[Resolved]  HDFC Bank — MISUSE ON CREDIT CARD

Below is the email detail which i have sent to HDFC bank on 29 Dec with attachment.Same hard copy of this letter was given to Hdfc bank on 29 dec at Nariman Point in Mumbai

To,
HDFC –Credit Cards
Mumbai.

Dear Sir,

I Mr. Anil Mhatre holding credit card No-[protected], would like to inform you that there were 2 transactions amounting a total of Rs.[protected] towards Kingfisher and 4000 for Book my show tickets) on my credit card yesterday which was not actioned by me.

I would also like to inform you that I am also liable to receive SMS for any transactions done on my card. But I had not received any message for the transaction done for Rs. 11529 at 4: 45 pm, I had only received an SMS for the transaction of Rs. 4000 which was done at 21:20. It was only after the receipt of this message that I called your call center and was also informed about the earlier transaction of Rs. 11529. At the same time I have immediately locked the usage of my card.

Kindly look into the matter, as the transactions are not pertaining to me and the payment for the same will not be done by me.

If I do not find these transactions being settled by your side I would like to surrender my credit card as I don’t think it is safe for me to use a credit card of such a bank were there is no security in the usage of same.

Expecting a quick response and action from you.

Regards,

Anil Mhatre
(Mobile: [protected])




AFTER THIS I GOT EMAIL FROM BANK



________________________________________
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Wednesday, January 06, 2010 8:36 PM
To: Mhatre, Anil
Subject: RE:'HBL=[protected]' CREDIT CARD DISPUTE


Dear Mr. Mhatre,

Thank you for writing to us.

This is with reference to your mail regarding the charge of Rs.11529.00 on 28.12.09 at M/s Kingfihser Airlines.

We wish to confirm that we are in receipt of the CDF, basis which we have initiated our liaison with the concerned Member Bank regarding the above transaction. To avoid any further inconvenience to you, we have provided temporary credit to your card account towards the above charge. The relevant credit for the said transaction will be reflecting in your January 2010 statement.

With reference to your query regarding the charge of Rs.4000.00 on 28.10.09 at M/s Book My show, we wish to confirm that we are investigating on the same and we will revert once the investigation is completed. In the meantime we request you to effect payment to avoid further levy of charges.

Incase you seek further assistance or clarification please feel free to contact our Customer Service Executives at any of our 24 hour Call Center telephone numbers mentioned in the below URL.

http://www.hdfcbank.com/personal/cards/popup_ccnumbers.htm

Assuring you of our best service at all times,

Regards,

Kiran B
Manager - Correspondence
Customer Services
[protected][protected][protected][protected][protected][protected]
THIS WAS MY REVERT TO BANK



From: Mhatre, Anil
Sent: Friday, January 08, 2010 5:06 PM
To: 'HDFC Bank Credit Cards Support'
Subject: RE: 'HBL=[protected]' CREDIT CARD DISPUTE
Importance: High

Dear Kiran,

Thank you for revert.

Just to inform you that I am a HDFC credit card member for the last 3-4 years and I have never defaulted on the payment. In spite me informing you that I have not done the below 2 transactions, you are asking me for the payment. I don’t understand this. I guess you have your investigating teams in place. Please ask them to investigate this matter as I have complained on the same date i.e.28 dec. and I was in my office on that day. I can forward you my attendance details if you need so.

I will surrender my card if you again insist on payment. You can levy as many as charges as you want. I will not make any payment.
If you could have investigated this matter from 28 Dec. itself you could have found out by now as the guilty was supposed to use the services on Book My Show for 31 December which I checked with the vendor and informed Priya in your investigating team.

Again the flight ticket was booked for 29 Dec. In spite of me informing you why you did not take any action on 28 dec.? The person traveled on 29 Dec. which I checked with Kingfisher and informed Priya. I received a call from HDFC bank only after 3 days???This is not accepted. Don’t you guys understand the meaning of Fraud?
Why it took you all 3 long days to contact me???? We could have resolved the matter on 28 itself and could have got hold of the culprit.

Just for your info, when we lodge complaint for fraud with other banks, action is taken on that day itself. You can check with the other banks offering credit cards.
Why you took 3 days to call me???? And now asking for payment????

I WILL NOT PAY A SINGLE PENNY FOR IT !!!!!


Thanks & Regards,
Anil Mhatre
Sr. Executive – Operations
Travel Corporation (India) Ltd|1st Floor | Chander Mukhi | Nariman Point | Mumbai - 400 021.
Cell: [protected]



AFTER THIS I GOT REPLY FROM BANK


From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Monday, January 11, 2010 8:20 PM
To: Mhatre, Anil
Subject: RE:'HBL=[protected]' CREDIT CARD DISPUTE

Dear Mr.Mhatre,
Thank you for writing to us.

This is with reference to your mail regarding the charge of Rs.4000.00 on 28.12.09 at m/s Book My show.

We understand that you are not in agreement with the above said transaction. We wish to confirm that the credit has been processed the merchant towards the above said charge (Rs.4000.00) on 05.01.09 and the relevant credit will be reflecting in your January 2010 statement.

Further, we would like to reiterate that we have provided temporary credit towards the charge of Rs.11529.00 on 28.12.09 at M/s Kingfisher Airlines and the relevant credit for the same will reflect in your January 2010 statement.

Incase you seek further assistance or clarification please feel free to contact our Customer Service Executives at any of our 24 hour Call Center telephone numbers mentioned in the below URL.

http://www.hdfcbank.com/personal/cards/popup_ccnumbers.htm

Assuring you of our best service at all times,

Regards,

Kiran B
Manager - Correspondence
Customer Services
[protected][protected][protected][protected][protected][protected]
AFTER THIS I REPLIED TO BANK


From: Mhatre, Anil
Sent: Wednesday, January 13, 2010 3:24 PM
To: 'HDFC Bank Credit Cards Support'
Subject: RE: 'HBL=[protected]' CREDIT CARD DISPUTE

Dear Kiran,

Thank you for revert,

I do not require any temporary credit kindly please clarify from your end, if you could go thru my email I have clearly informed that both the transactions are not pertaining to me, then how you can debit or give me a temporarily credit, I am not liable for both the transactions. To keep you informing because of this problem I am not able to use my credit card.

If you do not solve this matter by this week end I will have to forcefully surrender my card. Please don’t exchange any further mails just solve this matter by this week end and let me know.


Thanks & Regards,
Anil Mhatre
Sr. Executive – Operations
Travel Corporation (India) Ltd|1st Floor | Chander Mukhi | Nariman Point | Mumbai - 400 021.
Cell: [protected]

Direct: +[protected]| Fax: +[protected]/ 22883664
Email: anil.[protected]@in.thomascook.com

BANK REPLIED AFTER THIS

Dear Mr. Mhatre,

This is with reference to your e-mail regarding the charge of Rs. 11529.00 incurred at M/s.Kingfisher Airlines on 28/12/09.

We once again wish to reconfirm that basis your request we have provided temporary credit towards the above transaction.

However, in the event that you do not hear from us / re-debit of said amounts within the next 90 business days, you may construe the same as resolved in your favour and the above credit(s) as final / permanent credit.

Incase you seek further assistance or clarification please feel free to contact our Customer Service Executives at any of our 24 hour Call Center telephone numbers mentioned in the below URL.
http://www.hdfcbank.com/personal/cards/popup_ccnumbers.htm

Assuring you of our best service at all times,

Regards,

Archanaa
Customer Service Officer.

THIS WAS END OF EMAILS


ON 14TH FEB I GOT SMS from HDFC bank,Dear Customer,Proof o[censored]sage on disputed credit card charge sent.If not in acceptance please send fresh Letter -hdfcbank.


Dear sir,

Could you please help me on this,as i m a salaried person the amount is huge for me.

Please look into this matter.Need a help from you