Religare Wellness / Citibank — Forgery done by religare

I made purchase from religare on March 14 2009 of Rs. 1, 366.00 through citibank debit card but due to communication failure the amount has been deducted twice via trace numbers 592909 & 593914. When i came to know about it next day I immediately visited the store and checked about. store member said that in their system it only shows one transaction so they gave me settlement copy and advised to give it to bank and promised that they will not claim that second amount. I called my bank and bank representative provided me a ready credit on March 25, 2009 and informed that if vendor does claims the amount thats fine but if they claim then this temporary will be deducted back.

Later on June 02, 2009 bank took the money and informed that vendor has claimed the second amount as well and since then I am fighting for my money which neither bank nor relligare know where it is.

Now my complaint or question with bank is that if we swipe a card an authorization code comes up which gets printed on paper which we sign and we also get a merchant copy. So what is the use of that paper we sign called as "merchant cop" if bank doesn't even bother to look if there is any such receipt or not and if has been signed by the same person and they just give money to anyone who takes the card and swipe. Still they say that they have secure banking. This is second bank with citibank, first time it happened with airtel as a result of which i gave up my postpaid connection and afterwards after this case i also changed my account to hdfc bank and also stopped shopping with relligare.

Now issue with relligare is that they did forgery and without even receipt and even after promising they claimed the amount which don't belong to them and such a slow system that even after providing bank letter a month ago they are still investigating the matter.

Today I have given last chance to relligare otherwise i am going file a police complaint and sue both of them bring them consumer court. kindly see if anything can be done.