It can be noted the Bank/CC Company has your email id. Had you registered your mobile phone number also?
Did the company ever issue any communication to you seeking your concurrence to issue you a new card on expiry of the card? Did you grant any concurrence to issue new card?
The CC is usually dispatched by a courier of repute e.g. Blue Dart and the delivery person of the courier has to see original ID of the recipient of the CC to whom delivery is given. Once the delivery is given and confirmed by courier the CC Company calls the CC holder and confirms delivery. PIN number of the card is sent separately.
If your email id, and phone numbers were in record of the company, then why the company did not communicate by means of effective mode of communication available to company including email id, phone number. Phone calls by company are recorded. If your phone number got changed and same number was allotted to some other consumer then the call recording would be in the custody of the company. If the person said he has received the CC he is liable to be prosecuted. You may apply your resources and find out the name and address of the new owner of phone number and keep it with you. The necessary action is to be taken by police and CC Company.
Since transactions have been made the police and also CC Company can obtain CCTV footage from its vendors at which transaction has taken place.
You have posted:
--“and started their "investigation". “The report of investigation has to be shared with you e.g. name of company official which has conducted the investigation and printed report as submitted by company official. Apparently the company official has concocted the report to suit and benefit the company.
Did the company lodge a police complaint? Company has to.
Company is duty bound to provide you the AWB number and name of courier, and reply of courier to CC Company which should include the name of delivery person and investigation report filed by BM of the courier.
--“They are also stating in a email, as I have blocked the card on 27th January , so card was righfully mine .”
You had acted on receiving an illegal bill and CC is supplied by company without any direction, concurrence by you, Company has to catch hold of the person of the company, courier, and user of the card.
You acted immediately, called the CC company on phone from abroad ( ISD Call) blocked the CC as per advice of phone banking official ( quote date, time of call, name of phone banking employee, his/her phone number and retain the bill) and demand the copy of call recording, call log data, telescriptt of the call. You may charge the CC company has tricked you.
The companies and especially SC bank (as per various posts on this website) is adamant, recalcitrant, and offender of the highest order and it shall try all tactics including keep on adding the late payment, penalty, finance charges, etc and report you as defaulter to collection, recovery agencies, credit bureaus, CIBIL/Equifax/Experian/ MCNF ( master card negative feedback list) etc………..and build pressure to pay up.
You may authorize some of your confidant/family member to initiate proceeding to defend your interest and approach a lawyer issue a legal notice to call back its illegal bills, and call back your name from all agencies including CIBIL in writing with a copy to you with comments that your name was wrongly reported, and supply you a free copy of updated CIBIL report. If the company posts as written off/court case it shall still have adverse bearing on you.
You may also file a police complaint and demand the copies of investigation report of CC company, courier, compel the company to file a police complaint, and consumer complaint in DCDRF.
You should drum that the CC issued was unsolicited.
You may log on to Confonet
and you can find out various decisions by consumer forums in case of SC bank and others also.
You can rightfully approach RBI,BCSBI, BA, various consumer/legal/social help portals, NGO’s, print and electronic media etc.