Hdfc Dispute Email Address: Fill & Download for Free

Great QuestionToday if i have a problem with SBI - i can visit the Branch and the Branch Manager - in his own surly way has to address my concerns.Same with ICICI or HDFC or Axis or Kotak Mahindra.Now if these Banks have their own Digital Banking Apps - no issues because the Banks are Physically there in Bricks and Mortar. Even if they claim they know nothing and its a problem with the IT Department - you can sit on their heads and disturb them till they find out. At least it re-assures you that the Bank is physically there.You put your money in a Google Account or Amazon Account- How will you actually know where your money is? You dont have a physical branch.Say i have a dispute - my entire life will be based on App Supports and helplines and call centers and i have NO Idea where anybody is. My Branch Manager is a phone number and a Call Centre and a Email and a series of Bots coding app.NO WAY I WOULD PUT MONEY IN AN ONLINE BANK LIKE GOOGLE OR AMAZONLuckily our RBI feels the same way - so i strongly doubt if Google or Amazon will be allowed.If Mukesh Ambani or any of the Crony Oligarchs decided to do the same - the Govt may allow such a thing which would be a bad thing in my opinion.Banks have to be Physical for a reason. It involves money and Technology is not guaranteed to work 24 X 7.Imagine you have a Yono like problem for 3 days and there is no physical branch!!!! It would be a chaos to end all chaos.

Hello,It's really difficult to get your money back after to paid via credit card , every credit card offers different kind of dispute process , Amex very easy just call toll free number , they will give you temporary credit and dispute will keep continue between , merchant and card company. And other credit cards like AXIS , HDFC , ICICI you have to download dispute form from bank's website, fill it and scan it then send it to there e-mail address make sure you mention all details and attach copy of receipt or email send by merchant , very hard process then they will reply you in 3–7 days , Now it depends on merchant , if you have paid and didn't got the product in stipulated time period as mentioned on they t&c then you might get your money back , but it's going to take upto a months , but make sure talk to card company and tell them not add any extra charges or late payment fee on your monthly bill as it can be adjusted later when dispute is over. Or you can directly contact merchant or gateway company , as per name showing in your credit card statement contact them directly , this might be more fast process. You have to be little patience you might get frustrated and irritated with whole procedure because most bank representative are not knowing what info they giving you ..Hope this helps you .

Biggest scam in India! It is SBI credit card. Now it is blowing its own trumpet for being the second biggest card issuer in the country after adding 1 million new customers in last six months. But one minute, do you know at what cost? I think they have done this by misleading prospective customers. This ultimately has resulted in many disgruntled and defrauded customers like me who has either already surrendered or are planning to surrender the card. One of my acquaintances, a retired 4th grade employee has been issued a SBI card, doesn’t even know what to do with the card, what fee is associated and how to pay the bill. As a result he might be penalised with accrued fine since the date of the issue of the card almost a year ago.Okay, first thing first. Whenever I visit the local Bigbazaar store in Guwahati, each and every time, I see several boys and girls with or without uniform with SBI card logo embroidered target customers who are coming to BB for shopping. They keep on explaining numerous benefits of owning a SBI card including a so called discount of 10% on every purchase in Bigbazaar! To get rid of this nuisance, I ultimately gave into their pressure. I agreed to apply for a SBI card though I didn’t need it. I already have two credit cards issued by HDFC and ICICI bank. I have been using these cards without any issue for since last ten years. Nobody pushed me for taking the cards. I myself felt the need for it and applied by submitting forms in the respective bank branches.At the time of submitting the application form, I asked specifically if I shall get 10% discount on general BB purchases, he replied in the negative. He further added that the discount is applicable for FBB (Fashion at Bigbazaar) purchases only. As I hardly purchase FBB items, and hence the FBB co-branded card seems to be of no value to me. However after few verification calls from the SBI card call center, I got the card. Here one point to mention, the environment of the call center from where the calls were made was very noisy and the calling lady executive seems to be less professional when compared to those of HDFC and ICICI Bank.Then one day I got a call from the same type of noisy call center with same type of fast talking lady executive. She introduced herself as from SBI card department and asked me various questions relevant to the particular card I owned. She informed me that a cash back reward point of Rs 8,799 would be added to my card and she needed to verify the card details for this. As I was in between a heavy office work load, I wanted to finish the conversation as soon as possible and gave the verification details that the lady asked. Immediately afterwards, I got a sms stating that my card had been debited an amount of Rs. 8743! Then reality struck on my mind. I contacted the SBI call center without any further delay. As I was confirmed of a fraud by the responding executive, I asked him what step I should take to undo the damage. He asked me to first block the card and then to file a report in the police station. I requested him to get the card blocked. After the card was blocked, I asked him if there is any chance to get back the debited amount. He answered that it should be possible as the bank will be taking action on the matter. Then I came to the local PS to file FIR. I sent an email to the crime branch department with the attachment of the voice recording of the telephonic conversation that led to the fraud along with the copy of my application. I felt relieved as I started to believe that as a result of joint effort from bank and police, I would get back my hard earned money. But I was wrong. After two days, when I visited the PS to know about any progress regarding my case, I was informed that as the money involved is not very big, it perhaps won’t attract any further action.Then, though disappointed, I started analysing the whole development and the following points came into my mind:The caller seemed to have some prior information regarding my card. As this is an organised group, should I suspect that someone directly related to SBI credit card may also be involved in it?After my suspicion of a fraud I called the SBI cards call center. The executive after hearing the details from me confirmed that it was a case of fraud. Then I asked him what I should do at that moment. He advised me to first get the card blocked and then to report the case to the police station. When I asked about the possibility of getting the money back, he informed me that the bank will be taking action in this regard. But after few days of this incident, I reported one case to the HDFC credit card for a transaction which I felt the vendor did without my consent. The banker immediately advised me to submit a transaction dispute form to get back the money. He informed me that submission of the form is the most crucial part in getting back the money and without it no refund is possible. So I wonder how the SBI call center executive told me that I may get my money back even without submitting the dispute form. Did he forget to advise me to submit the TDF or it was intentional? Why he wanted me to believe that I would get back my money without submitting the most vital form?The next day after the fraud and subsequent hotlisting of my card, I logged on to the credit card account. I saw the card number is still in my account. I wanted to check if I could do any update on the card on not. I clicked on the PIN change button. I instantly got an OTP in my registered mobile for the PIN change request. Then I successfully changed the PIN of my blocked credit card. But in case of my other cards, nothing could be done after a card is blocked. Is it a security lapse in SBI card? (Edit- I tried to check if it is still possible or not. Bingo! I changed the PIN once again effortlessly on 26th May, more than two months after I got it blocked!)Then even more interesting thing happened. Two days after I changed the PIN, I got a call from a number +9112xxxx95903. The lady with a similar tone with the fraudster but with a different name, from same noisy environment (even blowing of vehicle horn could be heard in the background) introduced herself as calling from the SBI cards department and asked me if I got my PIN or not. Then she asked how did I receive it - by courier or generated it myself? Then she asked how - online or through customer care? At last she concluded ‘as you had generated the PIN on your own, the PIN would not be sent through courier’! I never had a more funny transaction with a call center staff in my life! I don’t want to pass comment on it as it is self explanatory how ridiculous it was! (Edit - I have not so far received any call informing that the PIN won't be sent via courier after my last PIN change!).I have the recordings of the above phone calls. A proper investigation including forensic test of the audios should be able to reveal the identity of the perpetrators of the crime. But nobody is interested.The local police seem to have already washed their hands away as the money amount involved is not large! The fraudsters also know this and hence they religiously work within a limit.The SBI authorities are indifferent. They are after the technical details only. On receipt of my dispute form (I sent in a zip file with the form, FIR copy and the call audios) they replied:“We request you to send the below mentioned documents in order to start our investigation:· Description of Services/Goods· Dispute Form· Expected Date of Delivery· Merchant contact ProofKindly note, we have not received these documents yet any delay in sending documents or in case of incomplete documents might lead to closure of your service request and liability of these transactions shall rest with you.”Now you please help me what I should write as response to the above! However I submitted all the details available with me along with the copy of a filled up dispute form once again.And ultimately Team SBI closed my claim putting all the blame on my shoulder.However my experience with my other two card issuers viz. HDFC and ICICI Bank are totally different. They have a very good track record of customer service and security. It seems that these two banks have a very robust transaction tracking mechanism. Whenever any transaction raise some doubt to their transaction monitoring team, they immediately make call to my registered mobile number to confirm. Their call center environment and professional attitudes of the executives are also far above SBI. I don’t know about other banks. Maybe this is the reason why the fraudsters target the SBI customers most. In my office, the day I disclosed my experience to a colleague, he instantly shared another two similar stories involving SBI debit card and net banking!The responsibility of SBI ends in reacting to customer grievances, pointing to who did what, whose fault it was. They do not want to cure the disease the system is facing. They even do not acknowledge that mostly their customers are being targeted by organised fraud groups. It is possible for them with the help of police to find out the beneficiaries of the frauds and bring them to book. In my case they found that the money got credited to certain JAY SHREE ENTERPRISES with web address WWW.JEANSLIKE IN at Hyderabad, though the web address does not return any result.If these perpetrators of crime are allowed to escape because of the passivity of the people in charge, then they will be encouraged to do more harm to the society. In any case if you are a SBI card holder, just keep on praying that this scam does not happen to you or just wait patiently till your turn comes!