Credit card fraud?

Question

On 02/09/2014 when i was traveling in train i was got the sms from bank that some transaction was executed on my card. i have immediately call up the bank and get the card card block . But the mean time three transaction was executed . Then after i have completed all the procedure to file the complaint and submission of dispute form with bank which required. Accordingly the bank has given me temporary credit of rs. 15000/- approx. but out of which transaction 10580/- was reversed back after in the month of january 2016 statement before that no communication was received from bank side the transaction of Rs. 10580/- is settled in favour of merchant even though the transaction was not done my me and even signature mention as harri kumar instead of my signature which was 100 % different as i always sign as vinod mishra . even on charge slip my name is also missing .you are requested to guide me for further process. how should i fight to get back the amount of transaction from bank. thanking

Answer 1

Dear Vinod,

At the outset, let me clarify that this site is designed 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.

You seem to have a strong claim. No doubt the bank would have investigated the matter and drawn own conclusions before settling in favour of the merchant. But the ought to have  explained the details to your satisfaction. Since your bank has failed in this regard and also considerable amount of time has lapsed, you can get remedy from the office of the Banking Ombudsman.

Please write a suitable letter to the BO narrating the entire sequence of events and enclosing copies of communications exchanged between you and the bank. I am sure you will be heard and get justice. 

For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website https://bankingombudsman.rbi.org.in/

 

Regards

 

J R Mohandas