[Resolved]  HDFC Bank Bank Limited — Credit Cards - Incorrect product, misrepresentation

Address:

Bangalore, Karnataka

I had applied for an HDFC Bank Platinum Edge Master Card in first week of August. I went thru the regular process of validation and documentation and sought a MasterCard for a specific set of vendors who offered the discounts specifically Travel and Hospitality.

I received a card on 10 August, 2012 and to my dismay the card received was VISA.
I alerted the Customer Services the same day on the incorrect card dispatched and sought correction.

HDFC Cards team was initially reluctant and gave me reasons not to ask for a MasterCard.
I was clear on my ask and requested the matter to be addressed.

No action was taken until I called a couple of times and sought the matter to be escalated to a floor manager for the Customer Services division.
To my further disappointment, the floor manager suggested that the only way out was to send a letter to HDFC seeking request for a change of franchisee. I offered to send an email however the bank rep asked me to either courier it or personally drop it in a branch and to my dismay why should I as a customer be doing this?

Moreover, through the conversations with customer services, I heard somebody created a false report stating that I was happy with the card I received and it was basis the phone call that was made. Fact is this is utter lie and shows deceit and gap in the process.

Despite these transactions, the bank has not put hold on to the Annual Fee charges and are expecting me to pay for an incorrectly issued card.

I would want the bank to explain me in writing and I need compensation for this grievance over last 5 weeks.
I also need an assurance from the bank in writing that this would have no bearing on my CIBIL rating.

If required, I would want to pursue this in the consumer court for causing distress.
The last complaint number recorded with HDFC Bank Credit Card support is [protected]

Tarun Kohli