On 18 February, 2009 three transactions were done using my Credit Card
details. The amount of those transactions is 1984.91, 1984.91 and
490.61. These transactions were executed on 18-Feb-2009 at 4:32 PM. When
the transactions happened I was not aware of them, I received three sms
from HDFC Bank informing about the transactions at 4:44 PM. I
immediately called up customer care and informed bank about the disputed
transactions and blocked my Credit Card. When I informed the bank, the
merchant had not claimed that amount from bank, I requested to stop
payment of those transactions. Same time I faxed a signed letter to bank
informing about the transactions to bank because this was the
requirement of bank to register case of disputed transactions. But bank
informed me that they will not stop the payment which they made when the
merchant claimed the amount.

Since then I have been communicating with HDFC Bank Credit Card division
for resolution of these disputed transactions. Every time i called up
customer care after that I was informed that this case will be sorted
out within 10 working days.

Bank's investigation was going on and now after one and half months bank
has advised me to get a credit advise or transaction reversal note from
merchant, then only they will be able to reverse these amounts to my
credit card. If this was the resolution to my problem then what
investigation was going on at bank. Here I also want to state that when
I have not done the transactions, how will I get a credit note from
merchant. I don't have any information about these transactions.

Some time bank I received an sms from bank that I should register
MasterSecure Code. After registering MasterSecure code nobody would be
able to do online transactions without that password. I never shared
that password with anybody else. Card was in my possession always. Then
what was the purpose of registering MasterSecure Code for online
security.

Now bank has said very clearly that without credit note from merchant
they will not reverse this amount to my credit card. Now for safer side
I have made payment of that amount to bank so that they don't charge
interest on it.

But now I need your help in getting that amount back from bank. Please
help.

Regards
Vikas Gupta