Unauthorized Credit Card Transaction from a Merchant
Aneeshkumar P R
(Querist) 01 July 2010
This query is : Resolved
Please help me out
I have bought a healthoption package from one merchant on 2008 in Bangalore and paid Rs 1999. They have provided me some basic health check up voucher and complimantary tourpackge and I havent used yet.After one year they have called for renewal through credit card. And renewed I have renewed and they charged again Rs 1999.
After that the real problem started,once the customer people called me and asked to get your holiday packge and I asked them is it free, they told this package is absolutly free, after that they swipped my credit card many times, I have called their customer care and complained regarding this , but each time they have told me they cant cancel the amout.They deducted around 30,000 from my card. They given some false details and get all charge sheet sign from me. I have complained again their customer care. And one therir customer care manager assured me she will delete my credit card details from their accout, and they wont use my card again. But after one month they swipped 19,999 rupees from my card again. I called citi bank customer care but they said this amout is already swipped so they cant do any thing. Again I have called and complained the merchant's customer care.They told the amout is swipped so they told they will provide the 6 master health checkup voucher and 2 more holiday package.And if I provide the signature in charge sheet they will give a closed letter. I have signed again and they provided me a closer letter with the benefits and also the letter saying there wont be any further transaction in my card.
But Recently I have got an sms , they have again swipped my card with Rs 47,999 even I didnot get any call from them. I have called citibank they told card is already swipped so you call merchant. I have called again and they said one manager will come and see talk to me. And he came and told me, you are gold member of our company , that cost around 1.7 lac. I told I have already got a closer letter. But he told me he is the divisional manager and that closer letter is not valid and if you give an application for block the cared he will block that. Then he thretened me for singing in chare sheet he said other wise he will go legally and I will loose all amount (1.7 Lac). And I have given the sign.
I am really worried about this, could any one please help me to solve this issue. If any chance to file a case against them.Atleast for stopping further transaction.
Please help me.
Guest
(Expert) 01 July 2010
BTW all charges are put in suspense account for 15 days for any complains and the first time it happened I can understand ignorance but when you spoke ot card company they did educate you about it so it should not happen the second time but then it happened 3rd to 4th. time and now the account is reached 1.7 L.
In my opinion you "like the way" your card is charged again and again and the goodies promised thereafter otherwise who will get it charged after the way you gone through from 1999 to 1.7 L now ? The only solution is to search database of LCI members and enggage ld. advocate and file a case in consumer court.
adv. rajeev ( rajoo )
(Expert) 02 July 2010
only talks over fone does not help you. Issue legal notice instructing the company to refund the deducted amount with an interest within 7 days from the date of receipt of the notice.If they replied and failed to refund with interest then file a consumer case, because the act of the company amounts to unfair trade practice which amounts deficiency of service and initiate criminal proceedings
Aneeshkumar P R
(Querist) 02 July 2010
Thank you very much for quick replies.
But I have some doubts.
Now the merchant having all the signed charge sheets.And one application which I provided them last for blocking the card with paid amout.Then how the case will move.
Only I have one closer letter that saying there wont be any further transaction which they have provided my before the last transaction. And I have some voice records of discussion with customer care.
Also I havent use any of the services that they have provided.
Uma parameswaran
(Expert) 02 July 2010
It is not a matter .You can send legal notice and take legal action against them.
