On 3rd MArch 2011 i got SMS on my mobile that 3 trnastacion happened via my credit card of amount

INR 12,260 /-

INR 1800 /-

INR 80,000/0



out of which first two transtaciton were successfull and thrid was decline due to insufficient funds the surprise was transaction was done to benificary BSES Delhi.

It was a horror as i saty in Mumbai and never done those transactions it was a fraud, I immd called up SBI cards customer care who told me to send them the Dispute form filled with the details , i told them do i need to log the police complain for same to which they denied and said everyhting will be taken care by there team and i don't have to worry.

The night mare starts i wasd following up on status with them on same to which i was told it willtake 45 working days.

One day i get the call from there team who asked me some questions and said that they would get back to me but no one replied back, todat that is 6th April i called there customer care to enquire about the update and to my surprise was told that Case have been closed and i have to pay the amount to which i decline but they instited that i have to pay it and now are asking to lodge a case with police for the fraud why so late why was i stopped earlier when i was doing it.

why i should be penalized for not utlizing the credit

Can someone help me on this



my email is is sjaswinder@hotmail.com

credit card number :- 4006-6769-6909-6570 ( I asked them to block this and issuse a new card)

Please help me to get out of this mess and guide me what next to do