[Resolved]  Union Bank Of India — wrong transaction entries in my nov 2012 credit card statement(union bank of india)

Address:

Ahmedabad, Gujarat

My name is lalit kumar meena from ahmedabad. I have a union bank of india credit card that i have been issued some three years back from credit card department, Mumbai. I generally used that for railway e-ticketing and sometimes in some stores. In 2012 i did’t use my credit card for atleast 6-7 months because i have to gone for my studies at jaipur and credit card remains at ahmedabad at my safe. In oct 2012 when i came back i used it for one transaction and that for railway e-ticket of Rs.1300 something, but when next month bill came it was of Rs9500/- showing many invalid(wrong) transactions and all transactions were from foreign countries i.e international transaction seems like my card was hacked by some IT expert and used it. That time i immediately called up union bank of india customer care and told them about all this wrong happening. Customer care executive suggested me to block credit card immediately i followed him and instruct him to please block my card. Next day i mail to credit card department and told them about all this wrong happening. They told me to sent a written complaint duly signed by me. On the very next day i draft a complaint letter duly signed by me and mail the same to credit card cell. They replied next day that they will taken up the matter to visa authorities and settle the matter very soon. After few days bank sent a letter to me and instruct me to pay all the money. I replied back to them that why should i pay the money even though i did’t use a single rupee from that amount .it’s your system failure that somebody hacked your system and used customers credit card and its your responsibility to give full security to customers account so that no body used that for unfair mean. From that day i repeadetly mail to credit card department and cheif grievances officer but no result come so far. They don’t even replied to my mails. Few days back when i mail to chief grievances officer about all this he replied and sought new complaint letter from me. Once again i sent a letter through e-mail but nothing results come so far.
Evermonth union bank of india issues a new statement and and charge service charge and intrest on that disputed amount that i did’t use. I told them please don’t sent me those statement because i am not liable to pay that money but they do not listen.
Sir, its very IRRITATING,FRUSTATING AND CAUSED MENTAL DISTURBANCE. As a good customer i did what i can do i.e.block card, lodge complaint, follow up my matter. But thet linger my matter from last 4 months. Recently i got to know about my CIBIL REPORT and that showed me defaulter. I don’t understand till now what i have done wrong so that i have to face this bad situation. In future i have to face bad circumstances in dealing with banks for getting credit from them . I told them many times to please delete those entries from my credit card statement also service charge and interest charged on those invalid transactions but they are not interested in solving the issue. NOW ON 9/3/2013 I PAID ALL THE MONEY WITH INTREST AND SERVICE CHARGE THEY CHARGED TO ME FROM NOV2012 TILL NOW BECAUSE THEY ALREADY PUT MY DETAILS ON CIBIL THAT SHOWS ME IN DEFAULTERS LIST.
What is my fault?? I do not understand why they do not solve my matter i called them many times but not a positive response i get from them. I mail atleast 40 times but they are not ready to solve the issue. Please help me out sir.
I attached all the relevant documents(e-mails) that i sent to union bank of india below.
Please find the attachment below.

I hope i will get justice from this forum. Please instruct union bank of india to remove all this invalid transactions from my credit card statement also interest and service charge they charged on those invalid transactions from nov2012 till now.



NAME: LALIT KUMAR MEENA
CREDIT CARD NUMBER: [protected]
MOBILE: [protected], [protected]