[Resolved]  HDFC Bank Bank Credit Card — CONSPIRACY AGAINST CUSTOMER.

Dear Sirs,

I am having a salary saving account in HDFC Bank under account no. [protected] in A-12, Shopping Mall, DLF Qutub enclave, Phase 1, Gurgaon, Haryana -122002 Branch. There was a fund transfer of an amount of Rs.14750 & Rs.51348/- from my office as on 30th April 2009 to my salary account. I withdrew Rs.10000/- as on 03rd of may 2009 & used 2690 through my debit card. Further When I checked my account on 5th of may 2009, I was shocked to see the available balance as Rs.685.43. I immediately contacted customer care & was told that amount had been put on hold by credit card department & I needed to contact credit card department.

I, then visited to my home branch & asked for a meeting with Branch Manager at helpdesk. In reply they asked to meet Mr. Rangi upstairs. I met Mr. Rangi & he was unable to solve my problem. When I asked him for the relevant documents where I had authorize the bank to deduct my money without my concern, he gave me a piece of paper(copy is attached herewith) mentioning name of some Mr. Gaurav Sharma of credit card division from Rajouri Garden whom I could not meet till date after my numerous efforts.

I had to visit many times to Rajouri Garden office after having known the fact that credit card office is located there. But, to my surprise, no one is there to listen to customers. The guards over there treat the customers as they are notorious criminals. After wasting my whole day, handling with guards & going up & down as lift machines were not working, I again came back without any result. During my second visit I became somewhat aware about the structure of the bank divisions, which are spread over a length of eight floors over there. At sixth floor there is customer care services but customer does not have right to meet the bank representative, however he/she can call upon phone & representative will keep on repeating the mugged up lines without listening or understanding the customers concern & grievance.

After my rigorous efforts I was connected to Mr. Janit, Manager in customer care division. First he also repeated the same wordings but when he came to know that customer is educated & have some knowledge, he listened & asked to meet Some Mr. Puneet oberoi at fifth floor. Again it took me 1 hour to approach Mr. Puneet oberoi, who in turn treated very rough & simply asked who gave his number & name. He asked me to call Janit in front of him. He said he was senior manager & how dare someone could be to give his reference to any customer. His wordings were very rude & was shouting like anything saying “I am not sitting for you”. He suggested to write mails or call customer care, problem would be solved from there only. I am mentioning these whole things just to highlight the way of treatment to customers by bank officials & it was happening with each & every customer but people avoid to complaint keeping in mind that in India every thing has to bear.

In fact they are cheating the customers with concealing hidden conditions and not redressing the grievances of the complainant who made complaints with regard to poor customer service on number of occasions, and indulging in to Unfair Trade Practice. They are claiming the hard earned money of medium group by so many fraud commitments.

In My case, I had requested many times to credit card team on telephone(as there is no other way to reach them) to close out my card completely. Every time there reply was that Sir, you make the minimum payment & we have taken the request of surrendering the card. You can drop the card at any ATM drop box after breaking it into 8 pieces. I did the same .I made them a payment of Rs.700 & dropped the card in ATM drop box along with a written request to close the account. Again there was a call for last payment, This time bank representative was asking for 1020 rs. & gave assurance about closing the card.

What I can do is only trust. If bank system is faulty then what can I do. If there is loopholes in the system & communication gap among the employees of bank . Now, by claiming hidden & concealed late fee charges, finance charges, this charges & that charges & taxes they have made an outstanding amount of Rs.53108/ & same they have taken from my saving account(Rather I would say they have stolen ).

Upper most thing is that no one at bank is ready to listen. I have got fed up during last 18 days asking for rectification of my case. I have been calling them rigorously but all are misbehaving. I requested Ms. Archana verma to have a meeting with me to clear me about my issue, whose number was given to me by one of bank representative explaining that Archana was the concerned officer for the case. But she kept on diverting me here & there & never agreed for meeting.

My complete cash flow for the month has come to a halt. I don’t have a single penny for last 20 days to spend on my basic day today necessities.

Dear Sirs,

I have been suffering for last 20 days & it’s a mental torture what they people are doing with me. I am in very much stress & unable to focus on anything in life as everything is disturbed due to their maltreatment.

They are simply giving me mental agony & harassment.

Dear Sirs,

My humble request to you all is to look into matter by giving some of your precious time & give me relief.

I shall be highly obliged to you all for this act.

Thanks & Regards,

Praveen Garg
[protected]