[Resolved]  Standard Chartered Credit Card — Standard Chartered Bank Provided False statement

Dear Sir,

I had a credit card with Standard Chartered bank (Ac. No. [protected]) with expiry date 09.07. I never used the card for any purpose (neither physical swapping nor e-transaction). Never activated the card or even show it to anybody. It was always in my locker at home. I created the account only for repeated request for free card by bank vendors.

Now last month I got a card statement from the bank amounts to Rs 62,054.00 for some transaction I have never heard even. I called up the customer care immediately and ask them to withdraw the charges at once. They asked me to fill up dispute they will send and fax the filled up form to the number they mention. I did the same immediately after getting the form from them. After few days without getting any response from them I wrote to their grievance cell (Card.[protected]@in.standardchartered.com) to provide some feedback on the above.

Again after few days, they have found some transaction as valid and I have to pay the amount and they are investigating others.

Now I have few doubts. There may be two cases.

1) The bank trying to cheat myself charging false transactions on my account, which is highly probable.

2) They have done some mistake and did some wrong billing.

If first is the case then I have nothing to say. In case of 2nd option, there are few possible way to do the mistake.

a) They put someone else’s transactions to my account by mistake.
b) They have issued a card with the same account number as mine to another person and didn’t delete the old account and the amount has been charged to me. This is possible as the expiry date of my card has been reached (09/07).
c) They have issued a updated card with new expiry date for me and handed over the card to a wrong person. This is highly possible as the expiry date of my card has been reached (09/07).

In this circumstance, I am very worried about the issue. Could you please help me to get rid of all these false transaction amounts and take strict steps against the aforesaid bank so that they will not dare to harass any responsible citizen of India in near future.

Thanking You,

Indrajit Ghosh