UNAUTHORISED TRANSACTIONS
Complaint
TARUN JUNEJA
Country: India
Reference to my Credit card No.4477 4735 7356 8008 in which unauthorised transactions was made from my lost Add on card No.4477 4735 7356 8107 amounting to Rs.26412.00 on 21/06/2006 without verifying the authorised signatures.The Company officials thereof visited my office and assured me of catching hold of the burglar by contacting the offices from where the transactions took place. Subsequently the fraud charges of the said amount was thereby credited in my next statement Dated 21st July 2006 .But in the other month statement dated 21st Aug ,2006.the said amount was again debited to my account along with all the late payment/interest/service tax charges.
Seeing my previous record i had been duly depositing all my expences made through this card in the last one year of ussage .On 15 Feb 2007 the Company official had visited my office and had made me deposit Rs.130.00 as the min due amt. on my card and had assured me to take the matter to the higher officials and shall wave off all the mentioned charges being carried forword along with interest and late payment from my account.As on date the amt payable on my credit card amounts to Rs.55000.00 but nothing has been considered so far except the false promises made by all the officials.
You are thereby requested to look into the matter and guide me.
Thanking you in anticipation.
Seeing my previous record i had been duly depositing all my expences made through this card in the last one year of ussage .On 15 Feb 2007 the Company official had visited my office and had made me deposit Rs.130.00 as the min due amt. on my card and had assured me to take the matter to the higher officials and shall wave off all the mentioned charges being carried forword along with interest and late payment from my account.As on date the amt payable on my credit card amounts to Rs.55000.00 but nothing has been considered so far except the false promises made by all the officials.
You are thereby requested to look into the matter and guide me.
Thanking you in anticipation.
Comments
You would be advised to not post detailed account information, and in fact you should probably immediately change your card number for security reasons.
In the US, you would dispute unauthorized charges in writing within 60 days of the statement date showing the charges, to have a valid dispute under the U.S. Fair Credit Billing Act. I am not familiar with the details of Indian credit card law. You should probably, however, send your dispute in writing, with proof thru the postal service of when it was sent and received. You may also need to request, and send in, a notarized fraud affidavit to substantiate your claim.