My experience with Matrix and its Sales team has been utmost disappointing. I have been misinformed by the sales team, and my personal details have been used by this company without my authorization.

This is with respect to international sim card that I had procured from you for my travel to Thailand. We were 4 people who were interested in taking the sim cards. I was contacted by Richard from the Mumbai team. He came along with his boss - Varun and told us about the scheme and the charges.

After having confirmed to him that we wanted to take 4 sim cards for 4 different people, he told us about the documents required for taking the sim. He mentioned that he required a passport and the travel ticket copy along with a copy of the credit card for verification purposes. At no point in time during our conversation that took place on the 22nd of October, 2012 were we informed that the credit card details would be used to auto debit the payments against the use of the card.

Also while we were getting the documents ready, Richard and Varun told us that documents of only one person were sufficient to procure all the cards. They did not require separate documents for each member. When we asked him about the call charges and tariff, Richard showed a brochure mentioning the call charges. Again no mention was made that the credit card details would be used for auto debiting payments.

He made us sign some documents without mentioning anything about this. We had also presented him with 4 discount vouchers that we had received from ICICI bank. He told us that the said amount as stated in the voucher shall be deducted from the final bill.

On 12th November, I recieved a sms notification from my bank stating that my credit card has been debited with 4 different ammounts. When i called Richard to ask him about this, he told me this was a standrad procedure. When I asked his why was it not mentioned during any of our conversations - he had no answer. His boss Varun was equally rude to me nd was not able to provide a satisfactory answer. He kept lying that they had told us about the same.

I do not understand how can a company charge my account without giving me any prior information on Notification on the same.

Also I do not understand why Richard and Varun only took documents of one person and asked us to take all the four cards in one name when it was clearly told to them that 4 different people required the sims.

I also noticed that the bill has been generated without considering the discount as mentioned in the vouchers that we had handed over to Richard and Varun.

This is not just one incident where I was misinformed. On 23rd of October, I had called Richard to ask him about the Forex Travel card. I told him that we had already taken forex cards from ICICI Bank but that due to some reason I required another Forex Card. Richard got the formalities completed and asked me about the mode of payment. I clearly stated to him that I could not give him a cheque as I didnt carry my cheque book but I could do a bank transfer. I took the bank account details and in front of him added matrix as a biller. However, as a protocol HDFC takes a minimum of 12 hours to activate a biller.

On this premise I requested RIchard to get my card loaded with the specified dollars and that I would make the bank transfer as soon as the biller was activated. He called some colleague who took care of this and asked me to speak to him./. I spoke to the gentleman and made him understand my predicament. After listening to me, he assured to me that the card would be loaded by evening.

However, in the evening since I did not receive any confirmation on the loading of the card with the US dollars, I called Richard and tried reaching him but in vain. Richard was unavailable and I had no way of contacting him. I then called Varun who told me he had no clue about RIchard and that he was helpless. At no point in time did I feel that Matrix was trying to help me. At around 11 in the night Richard called me and told me the same could not be done because of payments. And then I receive a call from some colleague of Varun stating that he cannot load the card issued to me as I already held another Forex card from ICICI Bank. Again at no point in time was I ever informed of this.

At the very start of my communication with Richard, I had asked him if it was possible for a person to hold two cards as I already had a ICICI banks travel card. he gave his affirmation and had assured me of greeting things done for me.

It gives me a strong feeling that Matrix as a company seems to be surviving on misleading customers and using fraudulent practices in business.

Since my credit card has been wrongly charged and that too without my permission, please reverse all the amount immediately.Please issue a fresh bill with the discounts factored in which I will pay though cheque.

Also I need an explanation for this fraudulent behavior of the team.