[Resolved]  HDFC Bank — Sale of Insurance

Address:

Hyderabad, Andhra Pradesh

Respected Sir/Madam,

I am Sunitha, an HDFC bank customer with Credit Card Account No.[protected]. This is regarding an outstanding amount of Rs.22283.22 on above account. In this amount payment of about Rs.10,000 was made to Bajaj Allianz Insurance in November 2008 (this I came to know when I enquired with HDFC) and the rest is interest amount. I would like to inform you that I NEVER applied for an HDFC Credit Card or any Insurance from Bajaj Allianz. The said Credit card account was opened without any information or approval from me when I opened an account with HDFC in January 2005 which I closed on 31st January 2006, I have submitted my check books and other
documents to HDFC in this regard, also I NEVER received any Credit Card from HDFC, so I was not aware of the Credit Card account opened by HDFC. This whole thing is a FRAUDULENT practice of selling insurance through phone to uniformed customers adopted by Bajaj Allianz in Collaboration with HDFC to pass the benefit to Credit Card salesman, Insurance agents, Telecallers and other middlemen to achieve their sales target. Please check and if possible answer the following questions I have regarding this practice:-

1. Can HDFC issue a Credit Card to the customer without anykind of confirmation or approval from customer and charge customer for the same, that too without handing over the Credit Card to customer.

2. I have opened an account with HDFC not Bajaj Allianz, its a third party in this case, then why my bank and contact information was shared with Bajaj Allianz without my consideration, as I was charged on an account even I was not aware of then the Bajaj Allianz people must have my account information, in this case HDFC is not maintaning the privacy information of customers.

3. I never received any certificate for the said insurance for which I was charged, can HDFC sell insurance on phone without any kind of documents or CONFIRMATION from customer, this is a forced sale by constantly calling (harassing) customer. I am again making it clear that I have never given confirmation to avail the insurance.


Thanks & Regards.

Sunitha.