Credit card Fraud?

Question

This is regarding my complains: The first complain was raised on 20th Aug 2015. I was promised that I would get Rs.250 as cashback by the bank representative who came to collect the form, but was not reflecting in any of my statements. After frequent follow-up’s I was told that I am not eligible for it and they asked for contact details of the person who collected the form which unfortunately I don't have it, and bank provided an excuse stating that only online applications are eligible for this offer. Secondly, I was promised that I am eligible for 5% cashback on certain category of transactions which also is not reflecting in my statements from the beginning. I get calls from bank in this regards, some said I am eligible and others declined. and banks manager agreed that I am eligible for the cashback via email (earlier he declined the same while in a discussion on call) and the same is already credited to my card account. But I still can't find it. Only Rs.44.45 was credited as cashback in my account, the calculation for which even bank customer care support team and your manager failed to explain. Also, on my last call to customer care on 24th August 2015, the lady promised a call back from one of the Manager but that too didn’t happen. Later, I sent an email to on 26th August and don’t know why, I am still hoping that I would get a response in spite of sending him reminders. I am really annoyed with the type of service provided by bank.I have wasted hours on call with your support team and my money too.

 

Answer 1

Dear Ajay

Cash back is allowed only on certain category of purchases that too when specifically announced by the banks / merchants.  Cash back won't be there by default on every purchase.  If you are buying something based on the offer of cash back, you should to talk to the merchant / seller and ensure to keep a track till it reflects in your card statement.

RAJA