TanjiroSun
TF Buzz
Hello everyone,
I recently faced a shocking issue with IDFC FIRST Bank and a fraudulent merchant claim, and I need advice on how to fight back. Here’s what happened:
The Beginning:
I joined a gym and paid INR 6,120 twice (totaling INR 12,240) for two gym memberships using my IDFC FIRST Bank card. I received valid bills from the gym and thought everything was settled.
The Dispute:
Due to gym closing down within 20 days of me joing for a countrywide scam their owner done , I disputed both transactions with IDFC. The bank initially provided a temporary credit while investigating. I was confident that the case would be resolved fairly.
The Shocking Twist:
After waiting for weeks, I received an email from IDFC stating that my dispute had been closed in favor of the merchant because they had “successfully delivered the goods/services.” But when I checked the proof submitted by the merchant, I was shocked—first they provided proof for only 1 6120 transaction and they claimed I had purchased Omron Nebulizers worth INR 6,120 !
This was a complete lie. I had never purchased medical equipment. My payment was for two gym memberships, and I had proper bills to prove it. Yet, the bank accepted the merchant’s fake proof without verifying the actual transaction. To make matters worse, they reversed my temporary credit of INR 12,240.
The Fight Back:
I immediately responded to the bank:
• Exposing the fraud: I pointed out that the merchant’s claim was completely false.
• Providing real proof: I submitted my gym membership bills, which clearly showed what I actually paid for.
• Demanding a fair investigation: I requested the bank to reopen the dispute, reinstate my temporary credit, and ask the merchant for actual proof of gym memberships, not a fake nebulizer invoice.
Current Situation & Next Steps:
I am now waiting for the bank’s response after my escalation. However, I am also preparing to escalate further if they don’t act fairly. Should I take this to the RBI Ombudsman, or any other authority?
Need Advice!
Has anyone experienced something similar? What’s the best way to escalate and ensure justice? Any guidance would be greatly appreciated!
Looking forward to your insights. Thanks in advance!
I recently faced a shocking issue with IDFC FIRST Bank and a fraudulent merchant claim, and I need advice on how to fight back. Here’s what happened:
The Beginning:
I joined a gym and paid INR 6,120 twice (totaling INR 12,240) for two gym memberships using my IDFC FIRST Bank card. I received valid bills from the gym and thought everything was settled.
The Dispute:
Due to gym closing down within 20 days of me joing for a countrywide scam their owner done , I disputed both transactions with IDFC. The bank initially provided a temporary credit while investigating. I was confident that the case would be resolved fairly.
The Shocking Twist:
After waiting for weeks, I received an email from IDFC stating that my dispute had been closed in favor of the merchant because they had “successfully delivered the goods/services.” But when I checked the proof submitted by the merchant, I was shocked—first they provided proof for only 1 6120 transaction and they claimed I had purchased Omron Nebulizers worth INR 6,120 !
This was a complete lie. I had never purchased medical equipment. My payment was for two gym memberships, and I had proper bills to prove it. Yet, the bank accepted the merchant’s fake proof without verifying the actual transaction. To make matters worse, they reversed my temporary credit of INR 12,240.
The Fight Back:
I immediately responded to the bank:
• Exposing the fraud: I pointed out that the merchant’s claim was completely false.
• Providing real proof: I submitted my gym membership bills, which clearly showed what I actually paid for.
• Demanding a fair investigation: I requested the bank to reopen the dispute, reinstate my temporary credit, and ask the merchant for actual proof of gym memberships, not a fake nebulizer invoice.
Current Situation & Next Steps:
I am now waiting for the bank’s response after my escalation. However, I am also preparing to escalate further if they don’t act fairly. Should I take this to the RBI Ombudsman, or any other authority?
Need Advice!
Has anyone experienced something similar? What’s the best way to escalate and ensure justice? Any guidance would be greatly appreciated!
Looking forward to your insights. Thanks in advance!
