[Resolved] RBL Bank — rbl credit card fraud transactions - not reversed

Narendra D

from Hyderabad, Telangana

Address:	Hyderabad, Andhra Pradesh, 500038
Website:	www.rblbank.com

My RBL credit card number ending with 6326 has been used for making fraudulent international transactions in tune o[censored]SD 567.93.

I have immediately called up their Customer care number (fortunately one was working) and was able to reach the Block credit card department and through her finally reached the General cards department after 20 minutes.

They have asked me to submit a filled in dispute form listing down all transactions which was sensible, but also an FIR. As I am in a remote village I have to spend 2 days to visit nearest Cyber crime police station. Instead they could have blocked the payments initiated as my call to them was within 1 hour of the occurrence of transaction.

I have had such international fraudulent transactions when using Credit cards from banks like HDFC, Citi but as soon as I have raised a complaint they have reversed those transactions without the need for FIR. Here RBL bank has made my life miserable and anxious and am not sure if I would get the transactions reversed going by how unhelpful their customer care is.

I wish this nightmare is over, I would never ever recommend RBL credit card to my friends not so much for security but for the pain in getting through to customer care and getting the genuinely fraudulent transactions acknowledged by RBL.

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Dec 6, 2018

Complaint marked as Resolved

After much waiting and patience the fraudulent transactions have been reversed by RBL (probably by Master card) The following is timeline of events 1. Fraud Transactions happened on credit card 2. Called RBL customer care to block the card and reverse transactions. 3. They blocked the card but transactions weren't reversed asked to get FIR 4. Went to Hyderabad and got the FIR sent copy to RBL 5. RBL said investigation may take 2 months (saying it is because of Master card) and asked me to pay minimum balance to avoid charges 6. Refused to pay for fraudulent transactions and submitted complaint to Reserve Bank of India as I have complained within 3 days of transactions which means liability is with the bank 7. Got interim credit from RBL until investigation concludes so withdrew Reserve Bank of India complaint 8. Followed up with RBL twice to eventually get the confirmation (from [email protected]) that dispute is closed in my favour without any other details. I wish RBL trusted it's customer and saved him/her some heart-ache and anxious moments rather than me going to Police and RBI and wasting my time for RBL to follow the guidelines laid by Reserve Bank of India. I have lost confidence on RBL and want to close my credit card which now seems like a herculean task as their Customer care numbers are not reachable and they don't acknowledge my credit card closure request. I may have to knock the doors of RBI again to end this once and for all

RBL Bank customer support has been notified about the posted complaint.