[Resolved]  Tanishq - Gold Jewellery — DEBIT CARD SWIPED - MONEY DEBITED TWICE

Address:

Gautam Buddha Nagar, Uttar Pradesh

On Aug,11,2011 I purchased some gold jewellery from Pearl creations, Noida Tanishq retail outlet and i wanted the payment to be shared between my Debit card and Credit cards. the retail sales person first swiped my debit card and returned as there is a limit of Rs.25,000 on the card and asked for credit card from which he took the whole amount. After 2days I verified the bank statement I found that Rs.25000 was deducted from my bank. I reported the same to retail outlet who assured that if the money is received they would reverse it. But after a 10 days period they acknowledged that money received in their a/c but since there was no charge slip, they advised me to lodge a complaint to my Bank. which i did on 18th Aug,2011. the bank gave a service request and suggested me to wait for 10 days to respond. Even after 10 days the bank did not respond, upon my request the bank advised me to send a written customer dispute form to be faxed, which with great difficulty I did 4 times and bank continued to say they did not receive and suggested to send a scan copy to email which also initially they mailed that they were not able to read it due to type of file format, the mail was once again sent. the customer relations manager mailed that it would take some time and likely to be resolved by Jan'12. he has said it would take 10 days for the bank to transact with merchant bank and another 10 days it might get reversed or they would take up with VISA which would take 30 days. I am confused that with all the correspondence no one assures me of when the money would be reversed. The tanishq store accountant Mr.Dinesh also told during my follow-up that they can reverse money back to the bank but an amount of 2% would be charged. I feel a clear case of cheating by the retail outlet. I am not sure whether it is the carelessness of tanishq persons or poor response of bank. kindy help

my bank - ICICI
tanishq swipe machine - HDFC
tanishq store retail outlet in Noida- Pear Creations

G.R.Babu
Noida
ph:[protected]