Dear Sir,
I am a HDFC bank credit card holder. i have been using it since 3to4 months and make all the due payment before due date.
Since i have been using the HDFC bank Titanium International Credit Card (Master Card) No. 5289 4514 0001 0142 for online purchasing (internet) also but was limited to purchase of railway tickets and payment of mobile (Airtel) bills.
Dispute:
One fine evening i, e. on 12th Dec i received a message alert from LM-HDFCBK at 4.02pm nforming me transaction of Rs. 25050.23/- made through my credit card no. 5289 4514 0001 0142 at Riga at ldz. Ticket and while I was going through the details, I received one more sms from LM-HDFCBK at 4.05pm informing me of transaction of Rs. 8885.62/- made through my credit card no. 5289 4514 0001 0142 at Riga at ldz. Ticket total Rs 33935.85/-.
Knowing the fact, credit card no. 5289 4514 0001 0142 was with me and I was out of town, I was startled to read the aforesaid information of two fraud transactions. I immediately called HDFC credit card customer care service at (02228564332) and revealed the same information to Ms. Nisha (HDFC bank customer care representative). Ms. Nisha blocked the credit card no 5289 4514 0001 0142 and taken a request of replacement. Details are
Name of customer care representative - Ms. Nisha
Date & Time - 12th Dec at around 4.25pm
Reference No. - 11346730073
As soon as i was back in town i documented the same information on 16th Dec by writing email to [email protected] and requested them to initiate investigation to catch realy culprit and also mentioned them to file a complaint under cyber crime. following is the content of email which was sent to customer care
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Dear Officer,
This is Vedprakash yadav having HDFC bank Titanium International Credit Card (Master Card) No. 5289 4514 0001 0142.
This is to document that I had informed you through customer care number (02228564332) about two fraud transactions which were made through my aforesaid credit card. Details are:
Name of customer care representative - Ms. Nisha
Date & Time - 12th Dec at around 4.25pm
Reference No. - 11346730073
Brief: On 12th Dec I received a sms from LM-HDFCBK at 4.02pm informing me transaction of Rs. 25050.23/- made through my credit card no. 5289 4514 0001 0142 at Riga at ldz. Ticket and while I was going through the details, I received one more sms from LM-HDFCBK at 4.05pm informing me of transaction of Rs. 8885.62/- made through my credit card no. 5289 4514 0001 0142 at Riga at ldz. Ticket total Rs 33935.85/-.
Knowing the fact, credit card no. 5289 4514 0001 0142 was with me and I was out of town (Uttar Pradesh) I was startled to read the aforesaid information of two fraud transactions. I immediately called HDFC credit card customer care service at (02228564332) and revealed the same information to Ms. Nisha (HDFC bank customer care representative). Ms. Nisha blocked the credit card no 5289 4514 0001 0142 and taken a request of replacement.
Keeping in mind, I never shared my credit card details with any one, such fraud transaction is still improbable?
On 14th Dec I received new HDFC bank Titanium International Credit Card (Master Card) No. 5289 4514 0001 9648. I thank you for your prompt action.
I would like to mention here that I am not liable for any payment against this fraud transaction since it was indeed fraud transaction and being a responsible and genuine customer I informed HDFC immediately.
I request you to confirm me the waiver of Rs. 33935.85/- at earliest.
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As a reply to my email dated 16th Dec HDFC bank without investigation, held me liable for the payment. i reverted to their email on 20th Dec following is the content of email which was sent to customercare
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Dear Officier,
Firstly, I am literally puzzled to see your trailing email, now I suspect whether you have read my email or not because in my earlier email I have explicitly mentioned that the said transaction came to my notice only after receiving SMS to my mobile from LM-HDFCBK. I did also mention you that the transaction was fraud transaction and you can approach Cyber-Crime team to catch culprit.
Secondly, if you get time to read my email carefully please glance at the para no. 5 where I questioned you that how this transaction is possible since I have never shared my credit card details to anybody.
Further, you should appreciate that on receipt of transaction information through SMS from LM-HDFCBK, I immediately lodged my complaint to customer care number. Once again, writing below customer care executive name and other details for your perusal.
Name of customer care representative - Ms. Nisha
Date & Time - 12th Dec at around 4.25pm
Reference No. - 11346730073
I received another credit card (replacement) Ms. Bhakti (HDFC representative) who handed over this card, clearly confirmed that I am not liable to pay for this fraud transaction.
Your trailing email has forced me to think about your intention of forcing me to pay for fraud transaction inspite of all the clarification. You should find out how this transaction happened and if required should lodge complaint under cyber crime.
Please clarify soon so that I can may my last bill payment which something around Rs.-.
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HDFC bank again held me responsible for the payment, therefore i approached senior managment and requested them to resolve the issue
Following is the content of email which was sent to senior management on 30th Dec
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I have been very honest with you since I started using your credit card. As far as payment of any fraud transactions is concerned please be intimated that i am not liable for the payment.
Being a responsible customer as soon as I received the intimation of this fraud transaction i immediately informed your customer care.
Further, I repeatedly informed you that it is undoubtedly hacker’s job and you must investigate it but it appears that you just wish to force customer to pay the money though he is not liable.
I wish to inform you that I am not liable for the payment and as a responsible customer I did my part of the job by intimating you immediately.
I again say, I am not liable for the payment and I shall not pay it.
Your approach of forcing me to pay the money which I never used will put me in mental agony and nothing more.
You can go through the history of previous transactions which have been done through my card; I have always paid the due money before the due date. My only online transaction was with Indian Railway and why can’t you look on the other side that while I was doing online transaction with Indian Railway some hacker must have done something wrongful act to pick my password…
Your prejudice approach will compel me to take legal help to get this resolved…
I again repeat, Instead of blaming customer, please do the investigation with intention to dig out the culprit so that your other customers are not suffered with the same problem.
I hope you shall not encourage to discourage the customer to be in relationship with HDFC.
Awaiting your positive response.
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My all hope is now on your without prejudice decision
Regards
Vedprakash
9967631154
9619860869
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