[Resolved]  HDFC Bank Bank Credit Card — Dispute transaction

I forgot credit card on 7 oct 09 at 8:30pm at Hotel Dhanraj Rest. & Bar. I reported to HDFC bank on 09 Oct 09 morning 8:30am and blocked the card. I registered FIR at near police station.
Meanwhile there was transaction of Rs. 10000/- on my credit card on 08 Oct 09 evening 7:40pm.
There was purchase of Mobile handset at Jay Videshi Bazar, Pimpri-pune.
I requested merchant for invoice/bill copy.
Merchant refused to give copy and told that he will hand over details to HDFC bank.
I communicated everything to HDFC bank. Bank promised me that they will investigation this matter and meanwhile you will be credited this amount in your statement.

In November first week I received statement from HDFC bank, in which this Rs. 10000/- was payable to me.
I called bank & following was the feedback from bank.

“The bank is not liable or responsible for any transaction incurred on the card account prior to time of reporting of the loss of the card and the cardmember will be wholly liable for the same. After receipt of proper notification of the loss by the bank, the card member’s subsequent liability is zero”."

I asked bank about the investigation, but no clear answer from bank and asked me to pay the amount.
I visited again to merchant where despute transaction happened. Merchant is again refusing to give invoice copy or any details to me. He is telling that he already handed over details to bank.
I am asking these details (invoice/bill copy) from HDFC bank, but bank is saying that we can not.
Bank should investigate or handover invoice copy to me. Because customer mobile no. and handset IMEI no should be mentioned on invoice/receipt.

I am registering complaint against bank and merchant in consumer court.

Dear Customer,

We understand your concerns and will assist you with a resolution. We request you to write to [protected]@hdfcbank.com with your card and contact details, details of the disputed transactions, complaint ids if any and the reference number TTU[protected]. We'll have a bank representative get in touch with you over this.

Regards, Customer Assistance, HDFC Bank

Customer service agents seems to have no clue of rules and procedures of the bank. My card was blocked for payment when I had to do a very important transaction. I cleared all my bills to restart the card and do the transaction. I was told it would be open in 24 hours, now its more than 2 days and its still blocked. I not only lost the deal, but also had to pay 6000 INR extra for their wrong information and misguidance. Banking is a support system to life not a knife to stab at the wrong place at wrong time.

Dear Sir,

I have serious complain about the attached transactions of value INR1, 13, 620.63 debited to my card account, the transactions are neither done by me, nor am authorized for such transactions.
If if this is system glitch, kindly check and correct, I have attached the list of transactions which are not done by me even though debited to my account.

Aruapananda Sil

The following unauthorized transactions have been done in my account. the same I have complaint to HDFC Bank officials

Transaction Date Merchant Name Transaction Amt. Disputed Amt.
14.12.15 DRE*DERMSTORE.COM 800-2133 6266.84
15.12.15 ARIVA SKIN CARE 800-932 5259.1
15.12.15 OX FAM- ON -LINE DONATION 800-932- 5259.1
15.12.15 DRE*DERMSTORE.COM 800-7769 335.62
15.12.15 DRE*DERMSTORE.COM 800-2133 6033.02
15.12.15 DRE*DERMSTORE.COM 800-2133 5602.09
15.12.15 DRE*DERMSTORE.COM 800-2133 5999.46
15.12.15 DRE*DERMSTORE.COM 800-2133 4349.58
15.12.15 DRE*DERMSTORE.COM 800-2133 3814.82
15.12.15 DRE*DERMSTORE.COM 800-2133 5489.91
16.12.15 DRE*DERMSTORE.COM 800-2133 3814.82
16.12.15 DRE*DERMSTORE.COM 800-2133 5489.91
17.12.15 DRE*DERMSTORE.COM[protected] 4475.11
17.12.15 DRE*DERMSTORE.COM[protected] 4360.44
17.12.15 DRE*DERMSTORE.COM[protected] 5068.51
17.12.15 DRE*DERMSTORE.COM[protected] 3533.69
17.12.15 BBX*BIRCHBOX INC[protected] 5753.91
17.12.15 SKINMEDIX [protected] 6600.66
17.12.15 L OCCITANE LWEBMO[protected] 4475.11
18.12.15 SERVICE TAX - MARKUP FEE 21.36
18.12.15 SWACHH BHARATH CESS - MARKUP FEE 0.76
18.12.15 FCY CONVERSION MARKUP FEE 177.4
18.12.15 SERVICE TAX - MARKUP FEE 24.83
18.12.15 SWACHH BHARATH CESS - MARKUP FEE 0.88
18.12.15 FCY CONVERSION MARKUP FEE 123.68
18.12.15 SERVICE TAX - MARKUP FEE 17.31
18.12.15 SWACHH BHARATH CESS - MARKUP FEE 0.61
18.12.15 FCY CONVERSION MARKUP FEE 201.39
18.12.15 SERVICE TAX - MARKUP FEE 28.19
18.12.15 DRE*DERMSTORE.COM[protected] 5325.86
18.12.15 DRE*DERMSTORE.COM[protected] 5099.02
18.12.15 DRE*DERMSTORE.COM[protected] 5603.93
18.12.15 DRE*DERMSTORE.COM[protected] 4202.95
19.12.15 SERVICE TAX - MARKUP FEE 26.09
19.12.15 WACHH BHARATH CESS - MARKUP FEE 0.93
19.12.15 FCY CONVERSION MARKUP FEE 186.41
19.12.15 SWACHH BHARATH CESS - MARKUP FEE 0.89
19.12.15 SERVICE TAX - MARKUP FEE 24.98
19.12.15 FCY CONVERSION MARKUP FEE 178.47
19.12.15 SWACHH BHARATH CESS - MARKUP FEE 0.98
19.12.15 SERVICE TAX - MARKUP FEE 27.45
19.12.15 FCY CONVERSION MARKUP FEE 196.14
19.12.15 SWACHH BHARATH CESS - MARKUP FEE 0.73
19.12.15 SERVICE TAX - MARKUP FEE 20.59
19.12.15 FCY CONVERSION MARKUP FEE 147.1
Total 113620.63

Hi,

I have requested for NOC from HDFC Credit Card department. My Card no - [protected] . Still i haven't recieved any reply from HDFC Credit Card department. Kindly requesting you to issue NOC . thanks

yesterday i have made payment through credit of only Rs 2100 only but i was shocked when i received the payments msg, payment was deducted 12 times from my credit card acount instead of one time..The shopkeeper didnt do it purposely it was because of some technical problems duplications hapen.The payment slips which came out from the machine it was showing failed transactions but the problem is why the deduction was made from credit account. i requset credit section to kindly look into the matter because an amount of Rs 23100 as total was deducted from my account for no transactions at all. Thank you.

Dear sir
Sending the dispute form pls check and add due payment amount 2500 my HDFC credit card ending 2004

we have alredy pay through IDBI NEFT deduct on account but not show in HDFC Credit Card ststemnent.

Please due alredy pay.

This is for your information.

Regards
Ankush
[protected]

Right I did not buy any app in google store and hdfc charge for it. Customers care executive misguide me rapidly.
currently this issue was not solve. Please guys don't use HDFC credit card.

All Customers care executive of hdfc bank are misguide me and please action against . I was calling again and again but problem is not solve.

This is screenshot

Hello HDFC Bank Team,

I have raised a complaint on 19/04/2017 regarding transaction dispute. I got debited twice from account from account rs.700/- and my complaint number is 1299261. so could you please help me out in this issue.

Regards,
Balaji.D
+91-[protected]

Please reverse the amount of Rs 10000/-(5000/-+5000/-) to my HDFC Credit Card ending 8585.
As these two transactions are not made by me. These amounts noticed me as I got massage from bank that about the transactions on my credit card. Card is kept under my custody.
I'm sending dully filled dispute form.

Regards

Kavita Chopra
+91-[protected]

Hi,

I have Debit card which was debited thrice for same amount.

three transactions were done as earlier transactions were Cancelled and supposed to be credited in my Account.

Only one extra amount was credited back and remaining one was left with Bank still not received after 48 hours.. Approached bank only to get fake email address on which sent email was bounced back

HDFC Bank Dispute number 1341452
Disputed Amount 596
Email address dc.[protected]@hdfcbank.com

Hi Team,

The transaction that took place in the below mentioned dates.

Courier that I had sent twice includes dispute forms, FIR copy & account details neither reached you or your team is acting smart by ignoring those couriers

I reached out to bank officials filled card holder dispute form for the transactions and couriered to Noida office, screen shot on delivery is attested Dated: 18-Nov-17

Compliant Reference No: MUMP[protected] (Dated: 17-Nov-17)-- New request raised, as the customer care executive told the previous one is raised only for 4 transactions where dispute clocked.

Complaint Reference No: MUMC[protected] (Dated: 06-Oct-17) --Old one where action and resolution is still due.

In total there was Rs: 20, 000 Approximately with the recent statements that I checked since March-2016 month and attaching are the transactions screenshot for your reference.

Branch- Begumpet, Suryodaya, Hyderabad-500016
Transaction details.
13-Mar-16 One97 Communication POS debit- Rs: 100
10-May-17 One97 Communication POS debit- Rs: 2380
21-June-17 One97 Communication POS debit - Rs: 500
26-June-17 One97 Communication POS debit- Rs: 1500
29-June-17 One97 Communication POS debit- Rs: 300
07-July-17 One97 Communication POS debit- Rs: 1000
13-July-17 One97 Communication POS debit- Rs: 800
20-July-17 One97 Communication POS debit- Rs: 600
27-July-17 One97 Communication POS debit- Rs: 400
01-August-17 One97 Communication POS debit- Rs: 600
08-August-17 One97 Communication POS debit- Rs: 400
19-August-17 One97 Communication POS debit- Rs: 600
24-August-17 One97 Communication POS debit- Rs: 600
29-August-17 One97 Communication POS debit- Rs: 600
02-September-17 One97 Communication POS debit- Rs: 600
11-September-17 One97 Communication POS debit- Rs: 600
12-September-17 One97 Communication POS debit- Rs: 600
15-September-17 One97 Communication POS debit- Rs: 600
23-September-17 One97 Communication POS debit- Rs: 600
24-September-17 One97 Communication POS debit- Rs: 300
25-September-17 One97 Communication POS debit- Rs: 600
26-September-17 Paytm POS debit Rs: 900
02-October-17 Paytm POS debit Rs: 900
03-October-17 Paytm POS debit Rs: 900
04-October-17 Paytm POS debit Rs: 900
07-October-17 Paytm POS debit Rs: 900
Note: I acknowledge that none of the above transactions were processed by me, neither I received any OTP for the same.

I had already filed a police case for the same:

On[protected] Morning around 11:00, I got SMS stating that a transaction of 7708.86 Rs. has been done in VIU - WEBPAY/IE APP FES NANAIMO on my HDFC Credit card.

I disputed this as illegal transaction done with my card. That morning I called the Customer care and blocked the card. They have given me the complaint no. [protected].

Then I was totally confused as I did not know this and I didn’t even get a SMS for this. Their billing system and internet security is very weak so that any one can hack and transact.
The case is now lingering for almost 7 Months and HDFC is telling only one answer that 'you are liable for the transactions'. They are unable to provide me any authentic details that I'm responsible for those transactions. I forwarded the case to their Grievance redressal team and progressive dispute team but all effort in vain --> No response at all.
I would advice all readers, please do not use HDFC Credit card and they are not secured enough and weak in billing.

Manpreet Kaur

Hello HDFC Bank Team,

I have raised a complaint on 05/01/2019 regarding transaction dispute. I got debited twice from account from account rs.4000/- Razorpay Airtel Paymen and my complaint number is [protected]. so could you please help me out in this issue.

Regards,
Deepak jha
+91-[protected], [protected]
[protected]@gmail.com

Hi All,

Really it is very shocking to experience that security system of HDFC Bank, it is very very weak.
People can easily missus and hack your HDFC card to do any number of transaction with any amount.
in this cases we never receives any OTP, no messages, no mails will come to notify.
This is very bad system process . Unless you call HDFC customer care and see your transaction history properly, you will never come to know the fraud on your account.
With me, around Rs1500 had been deducted and this i got to know when i called customer care.

So, i suggest to avoid useing HDFC card." Prevention is better than cure" ! Be alert.

Two dispute transcations of 10k each happened with me in April 2020 on my HDFC credit card. I immediately blocked card and reported the transaction, and also submitted the FIR copy and cc dispute form within few days.
The matter was closed in July bill, but again in August bill i saw same transactions for which i raised dispute.
Complaint number is [protected].
Please help in this matter.