Tip/scg.Visa.Pos.Dt 240116?

Question

Without my permission some amount getting debited from my account, It is mentioned in the statement like TIP/SCG.VISA.POS.DT 240116. If I ask customer care they say if I use my debit card in hotel or some shopping it will be charged. Am using salary account and what is the use it, why you guys charge me for using debit card. The restaurant or super market or where ever we swipe they charge 2 percent for using card, the merchant will pay the bank some percentage and why the hell you guys charging from us too. you guys charging all sort of sevice charge, atm usage charge, quarterly charge etc etc from use without fail, including all this charge this hidden changers.  If this is your process alert us through sms u will be charged certain amount since you swipped with this merchant, you guys correctly charging 15 rs for sms right the what is the pain for you to alert a customer. If we repay loan or cc bill you guys keep on msging right why can't do this I need a proper response for this and i need my money back till now which is debited.

Answer 1

Dear Vikram

At the outset, let me clarify that this site is designed and managed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

It is always prudent to check regarding the charges, if any, when you swipe your debit card on any POS.  Unless you authorize the transaction, the account would not get debited.  Also note that, charges are always levied, when you swipe the card for petrol/diesel.  It is suggested that in future, whenever you offer payment through debit card, do check from the merchant regarding the charges.  For sure, at major outlets, they would not levy any additional charges, than what you are actually required to pay.  Only at certain small centers, this problem may occur.  

RAJA