24 January 2024
i have used IDFC's first bank Classic Credit card. the limit is maintained low. One day to cancel the railway ticket by opening the IRCTC website, a call from the site asks to tell 16 digit card number and phone no. within a fraction of a second Rs. 30000/- amount is debited. without getting any OTP as well as the approval to increase the limit. called and asked to stop the transaction. and blocked the card. customer care asks to file a cybercrime FIR and submit a copy along with a Dispute form. on the day itself filed the complaint and FIR copy along with their dispute form. they acknowledged and" within 90 days it will be resolved " like the message received. after 30 days they send the statement to pay around rupees 31608.62 and continuously per day around 30 to 40 calls from all over India. making more harassment. today they sent MSG to pay Rs.35144.52.to all the issues were brought to their Nodal office head. but no response. and it is referred to RBI also. my question is the bank know where the amount has been transferred? if a bank employee makes a wrong entry, then he has approach the other paying bank to collect or with hold the transaction. in my cash why IDFC first bank not to follow the paying bank to recall bank the amount stolen? simply saying it is paid to merchandise. and it is my responsibility to pay. how the bank safeguards the customer. please advise,how i recall the stolen amount from my credit card
25 July 2024
To address fraudulent transactions on your credit card, file an FIR and submit a dispute form to IDFC First Bank. Report the incident and provide documentation. Banks are liable for unauthorized transactions if reported promptly. The bank has a 90-day resolution process. Document communication and escalate if needed. Seek legal advice if the bank fails. Preventive measures include never sharing credit card details.
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