Dear Sir,

My credit card no. is 4346781011728417. On 29th Dec 2011. I have been informed by sms on my mobile no. 9320585617 that Rs. 35000/- (Rupees Thirty Five Thousand only), Rs. 10,500/-, Rs 100 has been debited from my card account in ETSAFE POS D at NETSAFE.

As i got that message I immediately called Customer Care Executive, But they provided me very misleading information.

On 29th December: [/B]As I have been informed by sms on my mobile no.9320585617 that Rs. 35000/- (Rupees Thirty Five Thousand only), Rs. 10,500/-, Rs 100 has been debited from my card account in ETSAFE POS D at NETSAFE. I called to Customer Care Executive regarding these transaction, she told me there is only NETSAFE Card has been generated.I denied that these card is not generated not by me. But she told me that there is no transaction from your account. So you should not be worried and it will be credited in your account with in 48 hours. I instructed her immediately block my card. At Evening Risk Management team told me that there was some fraudulent transaction done with your account and block your card.

On 30th December: Again I called to Customer Executive to know status of my refund then He told me that
these transaction has been done with my credit card but bank did not pay these amounts to merchant. I argued with him that yesterday customer care executive told me there is no transaction of that amount only netsafe card has been generated, he told me ha can not comment on it. But He assured me 100 % that you do not have to pay anything because that payment did not pay to Merchant and I registered complaint regarding it.The Customer care Provide complaint reference number is 11364726737.

On 31 st December: Again I called to Customer Executive to know status She told me that there are total 4 transaction which are disputed:

Sent flower Moscow 34192 (Paid to merchant)
Comtube communication se Moscow ru 9980.161 (Paid to merchant:
Merchant name not known 35000 (Not Paid to merchant)
Merchant Name not known 10,500 (Not Paid to merchant

I was totally shocked to hear it because for Sent flower Moscow 34192 (Paid to merchant) and Comtube communication se Moscow ru 9980.161 (Paid to merchant), I did not get any SMS from your side and on 29th December and 30th December call no one informed me about it.I have blocked my card on 29th November then How bank paid these amounts to Merchant.

But after one day customer care told me that you have to pay 35000 (34192+other foreign exchange transaction charges) and 10, 500 (9980+other forgein exchange transaction).

After investigation bank has informed me:

Basis your communication, we understand that you are not in agreement towards the transactions incurred at M/s Sendflowers.RU and M/s Comtube for Rs.34,192.18 and Rs. 9,980.61 on 29.12.2011 using your credit card. Basis your email, we had once again taken this up with the concerned for appropriate investigations regarding the aforesaid transactions. As an outcome of our investigations, it is observed that the transaction is secured transaction incurred authenticating / using the details which is confidential and known only to the cardholder. In view of the same, we are constrained to state that the referred transactions are due and payable by you.

It is 100 % unacceptable at one point of time Risk Management team informed me that some fraudulent activities occurred in my account, now Bank is saying it is authorized transaction, second as i immediately block my card then why bank has immediately paid to merchant.

I request you to kindly look into the matter immediately to get us rid of this hassle and see whats wrong with HDFC cause of which the transaction are taking place. all these transaction or ETSAFE POS D have HDFC as common credit card.


Pawan Gupta
9320585617