Tata SBI Credit Card — Transaction dispute Case no[protected]

Address:

Pune, Maharashtra

Dear Sir/Madam
This is complaint Against the TATA SBI credit card for the transaction dispute investigation Case ID[protected]
I had raised dispute form against the payment of RS.750000 to country vacations, the transaction was disputed because the merchant did fraud with me by telling that the amount will be deducted through 36 EMIs which will be interest free but while swiping card he played trick and swiped card for 18 months, asking on the same, wile signing on charge slip, he convinced me and told that this amount can be converted into 36 equal EMIs by calling SBI help line as country vacations having tie up with SBI, but when I actual asked SBI about the same they denied and told that only 18 EMIs are interest free.
SBI started investigation and after 150 days declared that the liability is with customer and not the merchant.
I am not satisfied with the investigation SBI done in this case it was completely one sided and favoring to Merchant side because

1. For the investigation the case was not properly understood by the SBI

2. SBi had not contacted me more that twice to understand the case and my concerns

3. I have mailed several mails during the investigation period to the valid email IDs and I have got no response other than the auto replies

I had mailed several mails about my concerns to
1.[protected]@sbicard.com,
2. [protected]@tatacard.com,
3.[protected]@sbicard.com,
4.priority.[protected]@sbicard.com,
5.divya.[protected]@ge.com but SBI had not shown no mercy to call or reply to the victim customer about his concerns, I have back up of more than 10-15 mails which was not replied other than auto reply during this investigation, what kind of investigation is this?

4. Recently I received a mail on 29th April 13 from the SBI that the merchant has delivered the charge slip copy to my residence address which was registered with SBI-i.e.-Premlok park C-38 flat no-8 Chinchwad Pune 411033

But I want to mention here that the address registered with merchant was Different –I.e.Vishal angan Flat No-5 b wing Indira nagar Chinchwad,
So merchant can not send anything on the address which was registered with SBI, this means SBI is playing tricks and safeguarding Merchant by telling lie with the customer and I have not received anything on the both the addresses mentioned above against my payment

5. During this investigation I had raised the concern about the product and services not delivered to the customer against the payment of Rs.75000/-but SBI took no interest in this
Against the payment of Rs.75000 I was supposed to receive the welcome kit in which there would be cards with membership number of country vacation and cards with the membership number of country club and the procedure and information manual about the country club. but received nothing till date
Its now more than 180 days and I have not received the committed package from Country vacation even they have not informed me my membership number for country vacation as well as country club membership against which they swiped my card. I also shared with SBI several follow up mails for the same but SBI have shown no interest in helping customer to get justice but they tried to wind up the case in very rude manner
I want Justification about the following points from SBI

1. Why SBI has not returned my money back though the merchant has not presented any proof of goods or services delivered to customers residence, am I liable to pay Rs.75000 for not getting services from merchant just because SBI is having tie up with such merchants?

2.Why the merchant and SBI both are reluctant to reply to any of my follow-up mails during this 180 days of investigation, why I was un answered all the time, is there any tie up in both the agencies for not helping victim customers, its look like that, as both are reluctant to help the customer

3. Kindly justify SBI relationship with such bad record merchant whose representatives are arrested for cheating the customers, the proof of this was presented in my earlier mails to SBI