Transaction Dispute Form Date: 13-12-2024

Mr. Vinod Kumar Sharma

Name

12
Card Number (mandatory) (XXX Last 2 digits of your credit card number)

Details of Disputed Item(s)

TRANSACTI MERCHANT/SHOP/ TRANSACTI DISPUTED

ON ESTABLISHMENT NAME/ATM ON AMOUNT (Rs.)
DATE LOCATION AMOUNT
(Rs.)

20-11-2024 Raz*Housingedu (Locon Solutions) 49566.00 49566.00

20-11-2024 Raz*Locon Solu (Locon Solutions) 49038.00 49038.00

I am disputing transaction(s) mentioned above due to the following reasons (please tick the appropriate
reason/s). Request you to resolve the dispute.

1. I have neither authorized nor participated in the above transaction(s). The card was in my
possession at all times. I authorize SBI Card to block my credit card as per the Visa /
Mastercard / RuPay / Amex norms.

2. I’d ordered goods/services and the same were expected by date 21/11/2024 , but I never received the
same. I contacted the merchant on date 21 /11/2024 and their response was THEY REFUNDED THE
AMOUNT AND ALSO PROVIDE ME REFUND ID. (Please specify what good(s) or service(s)
were expected. Also attach correspondence with merchant for order status).

3. The transaction was unsuccessful, or the merchant confirmed non-receipt of payment (Provide a clear
description of the goods or services ordered / copy of all correspondence with the merchant)

4. Duplicate/multiple billing: I have done only one transaction, but I was billed (Twice/Thrice etc.).
(Attach accepted transaction receipt, showing the actual amount).

5. Paid by alternate means: First I gave my card for payment but later changed my mind and paid by
Cash (attach cash receipt/bill)/Cheque (attach cheque receipt/bank statement)/Other card (attach
charge-slip/other card statement).

6. The goods supplied/serviced by the merchant are not as described: The item(s) purchased or service(s)
paid for do not conform to what was agreed to have been supplied by the merchant or was/were
defective. (Please specify what good(s) or service(s) were expected & what were actually
delivered. Enclose any documentation that supports your claim. Please return the goods to
the merchant & provide proof of returned goods, copy of correspondence with
merchant, terms & conditions of contract/delivery and nature of defect etc).

7. The transaction amount was Rs. (provide amount & currency), but I was billed for Rs.
(provide amount & currency) (Attach a copy of charge-slip/sales slip/statement of card
account).
8. Transaction got cancelled, but I have not received credit/refund for the same (Attach credit slip/refund
note/merchant’s letter or any form of confirmation from the merchant that the transaction
was cancelled, and credit was due to you).

9. Cancelled membership/subscription/booking, but I have been billed for Rs.(Attach the cancellation
letter which you sent to the merchant).

10. Cash not dispensed by the ATM, but I was billed for the amount of Rs. /Cash dispensed partially by
the ATM for Rs. but I was billed for the entire amount of Rs.
(Attach copy of ATM slip).

11. My card was lost/stolen at AM / PM on / / and I’ve reported the same to SBI Card atAM / PM on
/ / by way of (Attach copy of FIR filed with police, if any).

12. Others (Please explain in detail. Please attach a separate letter, if necessary).

Declaration:

I declare that the information given above is true and correct to the best of my knowledge. I understand
that I can be held liable for all charges incurred before the time of reporting of loss/theft and also if the
dispute raised by me is found invalid. I agree to pay the charges levied by SBI Card for the same.

Any Additional Comments:

Primary Cardholder's Signature

IMPORTANT NOTES:-

(i) On receipt of the dispute claim along with relevant supporting documents (refer page 2 for the list
of documents / details required) within the timeframe as mentioned below, we will take up the matter with
the member bank and request them to provide the details on the basis of which the disputed charge was
processed to your card account.

Transaction and Network Type Time (from the transaction

date)
Domestic & International Transactions 90 Days
(Visa / Mastercard /American Express)
International Transactions 90 Days
(RuPay)
Domestic and UPI 30 Days
Transactions
(RuPay)

(ii) On receipt of clarifications from member bank regarding the disputed charge, we shall revert to
you with the clarifications on the dispute, which takes normally around 30 to 45 days in accordance with
the Visa / Mastercard / RuPay / Amex rules.
(iii) In case we do not hear from you by the stipulated revert date, the disputed transaction shall be
construed to be in order, and we shall be constrained to close the matter at our end.
(iv) Request to the Cardholder: Please attach copies of your correspondence with the merchant
and charge-slips wherever applicable and any supplementary documents pertaining to the
transaction(s) as appropriate.

List of documents and/or details required for

transaction dispute:

Reason for Transaction Details / supporting documents Example (for your reference
Dispute required only)

Services / Goods not received -Detailed description of goods / Ordered a new mobile phone
services ordered / purchased from an online merchant and
not received within the
promised timelines.

Product was expected by 15th

- Expected date of delivery
March 2020

Additionally, you can share

proof of merchant interaction

Services / Goods not as described - Detailed description of Ordered a red T-shirt from an
goods / merchandise ordered / online merchant and have
purchased receive a green T-shirt

- Have you returned the

goods / merchandise to merchant?
Please confirm Yes or No

- Details of the return of

goods / merchandise (Date and
mode of return)
Merchant has not received the -Detailed description of goods / Making an online payment
amount / failed transaction services ordered / purchased towards my phone bill. During
the process, the transaction
- Expected date of delivery failed but I have still been
charged for the same.

Was making payment on 1st

March 2020, services expected
immediately.

Credit / Refund not processed - Proof of credit note / refund Copy of SMS / E-mail
note or void transaction slip received from merchant that
(attach document) he is issuing a refund on
your SBI Credit Card ending
- For failed transaction, share with XXXX
proof of alternate payment
Copy of SMS / E-mail that
product or service is
cancelled / goods returned
and refund will be received
in 7-10 business day

Paid by Other Means - Proof that payment was made by Copy of Bank Statement for
any other mode. (attach document) other credit card / Other
credit card payment slip
- For failed transaction, share
proof of alternate payment Receipt / Memo for
payment made in Cash

Difference in Bill Amount - Proof that original transaction was Original product
supposed to happen for a different Price / original invoice
amount and the billed transaction along with final billed
amount receipt / invoice
is different (attach document)