[Resolved]  HDFC Bank Bank Credit Card — Overdrawn

Address:

South 24 Parganas, West Bengal

Copy of letter
To,
The Grivence Cell Officer,
HDFC Bank Credit Card Division.Thiruvanmyur,PO-Chennai-600041. Sub.-Cancilation o[censored]nauthorised deduction of Rs. 30000/- by country club, kolkata
Ref.-E_mails with Balaji RG,Deputy Manager - Correspondence Customer Services, HDFC Bank Credit Card Division and charged dispute form.
Dear Sir,
My credit card no HDFC credit card no [protected] was charged wrongly with falls statement for Rs. 30000/- by country club, kolkata with 18 EMI .It was verbally asked to verify the card balance against a purchase scheme of club member-ship for one time payment of Rs 71000/- and suddenly they (two club representative named Himadri Roy & Biswajit Roy) took the card and charged the amount at their club premises at Marlin Homeland 5th fl. 18-B, Asutosh Mukherji Road, invited by Rupa Chakraborty on 07/04/12, though on written document their office address is 86-B/2-1st floor Gajaraj chambers, park circus connector, Topsia road, kolkata-46. My balance was Rs.26004/- only on that time . They mislead the customers which may be viewed seriously and the said transaction may kindly be cancelled immediately.This is a crime with the customer as well as It is a totally ill-legal manner/ activity. It can not be done in any circumstances. You do not replied on this important point or, silent regarding on that very legal issue. How u permit the country Club to do so?
The receipt was wrongly made signed by them which I disagree totally. This is a crime with the customer which may be placed to Customer Protection Court / Consumer Forum. Informed for your kind consideration.
Your customer care was contracted by me on 9/4/12 at 18-00 hrs and the person with whom I talked with- Madam Mohua. On her suggestion I faxed one charged dispute form to yr. no.[protected] on 10/4/2012 and the same was dropped at your drop box at BBD Bag Br., Kolkata-1 with documents.
I send you E_Mail on 12/4/12, 13/4/12, 16/4/12, 19/4/12, 26/4/11, 27/4/12 ,29/4/12, .2/5/12 3/5/12/, 7/5/12, 11/5/12 at 6.04 pm and 6.23 pm.
Till date you do not reply the cause of '' overdrawn amount without my permission/consent", I asked you repeatedly and what is the term & condition?
You wrote in your last mail dated 11/5/12 "In this regard, we wish to inform you that basis the interactions you had with the merchant, we have initiated our liaison with the concerned merchant establishment on best effort and shall be in receipt of revert from them in 50 working days. In view of the same, we shall revert once we receive response from them and our investigations get completed. "
In ref. to the above, as you charge the disputed amount of Rs1667.67 for Counntry Club in this month statement dated-2/05/12, may be withdrawn immediately and sent revised statement for payment.
Kindly consider the case and do the needful immediately as I am a valued customer of your bank for a long time.
I request u to cancel the said transaction and refund the same to my card balance on urgent basis, otherwise I have to take the whole issue to CONSUMER FORUM/ COURT and also higher Court for protection of customer & also I have to inform the whole matter to Govt. Financial Institutes like as RBI etc.
The decesion is also to be taken by me for withwrawan my card-membership immediately from your bank for lifetime.
Enc.-Copy of E_Mail to Country Club With regards,
Dated14/05/2012 (Mr. Santosh Kumar Shee)
M [protected],Base Ph.[protected].
My office-O/o the CCA, WB circle.Dept. of Telecom. Govt of India.at 8. Esplaned East,
Designation- Asst. Communication Accounts Officer(Gazetted)


***Copy of E_Mail to [protected]@countryvacationsmail.com
Deduction of Rs.30000/- againest HDFC credit card on 07/04/2012 for vacation life membership o[censored]r club
FROM: santosh kumar
TO: [protected]@countryvacationsmail.com
CC:customerservices.[protected]@hdfcbank.com,Thursday, 26 April 2012 7:40 PM
Sir,
I and my wife were called for publicity campaign of your company with a offer of a free gift at your club premises at Marlin Homeland, 5th fl. 18-B, Asutosh Mukherji Road, invited by Rupa Chakraborty on 07/04/12, though we saw latter on written document your office address is 86-B/2-1st fl.,Gajaraj chambers,park circus connector,Topsia road, kolkata-46.
Your staff (two club representative named Himadri Roy & Biswajit Roy) placed some plans for membership of your club, verbally and with a rough white paper, no printed scheme was shown, which is suspicious.Also offered some drinks, and we accepted the drinks. On the time of discussion going on, your staff offered one scheme for Rs.71000/- and asked, was I used any credit card? What was the credit limit? I answered, I am not confirm, but it may be near about 30000/- .
Then Mr Biswajit Roy took my HDFC Card and suddenly charged the amount for Rs. 30000/-against my HDFC credit card no xxxx xxxx xxxx 9583, when my balance was Rs.26004/- only, which I found latter after some quarry , It was also surprising, on that time, the said scheme of club member-ship was for a total amount of payment of Rs 71000/- was required . How they charged my card without my consent and without any arrangement of balance amount?
The receipt was wrongly made signed by them which I disagree totally. I felt letter , I was totally trapped. This type of action against a customer is a serious misconduct, mislead the customers and totally illegal. Now I have no fund is ready for payment. As per verbal discussion, it was then stated by me that my mother was very recent released from a Nursing Home and an expenditure was done for 1(one) Lakh Approx which was paid by me and I have the documents .They agreed and said ,no,no, u not to give any payment now. But they did the wrong thing with us.
Also overdraft can not be done in any circumstances without my permission which is a very important point and a very legal issue also.
Your club staff agreed to give some Ph. nos. and name of old customer then at the table in writing, again at the outside of the gate they said it will be send by massaging. Then on that office reception on last week another senior staff said (Named Imtiaz) No ,No, It only can give our Customer Care If they think fit. What is this ,one issue and three different wrong statements.., what is the policy ? I[censored] have anything!
So, I request u to cancel the said transaction and arrange to refund the same to my card balance on urgent basis,otherwise I have to take the whole issue to CONSUMER FORUM COURT, CONSUMER MINISTRY, GOVT. OF W.B. & also I have to inform the whole matter to Govt. Financial Institutes like as RBI etc., also I can go to the Higher Court because the matter is a case against PUBLIC INTEREST which are informed for your kind consideration please.
Kindly consider the case and do the needful immediately.
With regards,
(Mr. Santosh Kumar Shee)
Designation- Asst. Communication Accounts Officer(Gazetted).
Office-O/o the CCA, WB Circle, Dept.of Telecom. Govt of India. 8, Esplaned East, Rear Building, Kolkata-69.
M [protected], Ph.[protected]R),[protected]O).
(**Different reminders also send to Country Club, kolkata on 27/4/12, 30/4/12, 7/5/12, 11/5/12 etc. and over phone also to their three representatives as stated above.)