[Resolved]  Indian Health Organisation — withdrawal through SBI credit card by fraudulent means and misrepresentation

Following is the text of my complaint against the firm which was sent by registered post on 25/08/2011 but till date no response. One wonders how to retrieve the amount that is fraudulently withdrawn by this firm.
Kindly share the avenues where consumer and criminal complaint can be filed against this firm. My email id is :- sunidhi.[protected]@gmail.com

The Proprietor,
M/S Indian Health Organisation
C -25, C Block, Pashami Marg,
Vasant Vihar,
New Delhi-110057.
Dear Sirs,
Sub:: Fraudulent Withdrawal of Rs.4,400.00 through my SBI Credit Card.
I received a call on my mobile on 08/07/2011 from your marketing team and it was informed to me that I am being issued a Card by IHO which could be used at all reputed commercial establishments and all doctors and chemists and that with its usage a discount upto 20% would be available on all transactions with all . I was further informed that the charges of Rs.4400.00 would be collected from me after 50 days and that too after taking confirmation from me about the satisfactory availability of the facilities as per the information supplied to me to which I agreed. I was informed that the amount would be collected through my SBI Credit Card for which registration was required. Upon my enquiry as to why the registration was required now, it was informed that the amount would be collected only after taking confirmation from me after 50 days and for the purpose of confirmation they required the SBI card particulars.
Reluctantly I agreed to disclose my SBI Card particulars after reassurance that the amount would be charged to the card after 50 days upon taking my confirmation. I was perhaps put on conference line or on internet by use of some technology. I was asked by your marketing team to punch my Card No. and other details which I punched as desired. However I was not told to punch the amount which was fraudulently fed at your end. This realization came to me the moment this call was disconnected and I found that during the call I received a message from SBI Card informing that a transaction of Rs.4400.00 has taken place.
I was upset and repeatedly tried to contact the toll free no. which I had obtained during the interaction with your marketing team without success. This made me suspicious that further amount may be debited by the unscrupulous elements and I talked to my SBI Card Helpline and was advised by them to block my card which I immediately agreed to.
Later in the day when I was again contacted by some other department of your office, I told them about the cheating and with difficulty convinced them that the amount was charged without my knowledge. After my convincing the team about the unfair manner in which I was cheated and how much harassed I was feeling and disclosing my intention of approaching Distt. Consumer Court , apologies were offered and I was assured that the amount would be reversed shortly.
I received another call the next day and again an attempt was made to convince me to accept the card but I firmly told that I was not prepared to accept any product that was being offered by cheating me and misinformation. Again I was told that the amount would be reversed wihin a few days. Instead of reversing the amount, I was surprised and upset that despite all the above apologies and promises to reverse the amount, your company went ahead to deliver the card to me through courier which I could not have accepted for the reasons already stated and having full knowledge of my hurt pride due to the feeling of having been cheated which has added insult to the injury.
My repeated attempts to contact your service centre in this regard on toll free no. subsequently has failed to yield any desired result as the number was busy every time I tried.
It was with great difficulty that I could arrange the address of your organization today. I donot know any reference number of your organization which I should quote for easy identification of this transaction. However for your reference the amount has been charged to my SBI Card [protected] on 08/07/2011 at 12:42 p.m. as per the message detail available on my mobile.
In view of the above I request you to immediately arrange to reverse the amount fraudulently charged to SBI Card without my knowledge alongwith any plenty of SBI Card and punish the guilty persons responsible for cheating the innocent people for their greed to earn commission by hook or crook.
I have already been harassed a lot in view of what is stated above. Thus I will be constraint to seek legal intervention by filing a criminal complaint alonwith approaching the Consumer Court for redressal of my complaint in case suitable action is not taken within 7 days.
Yours Sincerely,

( Satinder Kumar)
House No. 3138, Sector 21 D,
Chandigarh.
Mobile No. [protected].