[Resolved]  HDFC Bank — Loan Amount credited without intimation and now asking to pay penalty for the same

Address:

Maharashtra

Dear Sir / madam,

Subject: CASH ON CALL AMOUNT ON MY CREDIT CARD # -- 4050XXXXXXXX7072

This is to inform you that I was informed that my account was credited by loan of CASH ON CALL on my CREDIT CARD Number: 4050XXXXXXXX7072 for amount of 84750 INR.

I had called up your executive and requested to cancel my request. I had also informed your verification call officer and processing officer that I don’t need this amount and kindly reverse the amount which has been credited to my account.

I had received this amount of 84750 INR at 4.00 pm on 20 January 2010. Since that day I am calling at your customer care number and sending regularly mails to your customerservices.[protected]@hdfcbank.com email and requesting for reversals.

I immediately made a call for reversal as soon as the amount was credited to my account. I was told by your executive that it will be done within 04 working days. Now after repetitive calls and mails I did not receive any response from you neither by mails and nor by calls! No one bothered to arrange a call back or even reply by mail. In spite of several follow ups from my own side. I am very much shocked with the poor response for my complaint.. I have been mailing since January 20, 2010 the day my account was credited with the 84750 INR (cash on call)

I was assured on 20 January 2010 itself that the amount shall be reversed within 04 working days back but to my surprise it never happened and I kept complaining and calling your department and requesting your executives to do the reversal at the earliest!

Now more to my surprise yesterday i received a call long back saying that i have to pay the pre-closure fees to reverse this amount. Since day one when the amount was credited to my account, i have been sending emails and making long calls to your credit card department requesting them to reverse this amount which was all in vain.

And now after a month, i have been asked to pay the penalty for the pre-closure of loan. Your representative had a very bad and improper behavior while taking to me on call made today by her which was not acceptable at any norms.

I have been told that the amount could not be reversed as this amount was utilized by me, which is totally incorrect. Just see my account statement and details.

Day 01, January 20th 2010: My account already had 202017 INR and after that 84750 INR was credited to my account. After that day my account was credited with my January Salary and Bonus amount. Your executive gave me the reason for charging me with the penalty was that I had withdrawn any amount due to which the Loan amount was considered as UTILISED.

I had withdrawn the money on 06th February 2010. Your department had time for total 17 days (from 20 January to 06 February) why the amount was NOT reversed during this period, as I had been calling since January 20, 2010 then why the amount was not reversed and why things were NOT communicated by your department.

Now I am tired of requesting mails and making long phone calls, your department never responded and now after one month exactly I am getting calls to pay the penalty for the amount which was credited without my consent and after several follow ups I am asked to pay penalty.

Solve the matter if you can and accept Fault from your end or otherwise cancel my credit card. I have all records / proofs with me of all the mails sent by me since January 20th 2010 to till date as well as all phone calls made by me requesting the reversals.. Your executives and department is mere responsible for this issue which is necessarily created by their fault and negligence and it’s only me who is at losses in terms of MONEY and TIME.

This is my last mail to your credit card department and hence forth I shall NOT take any liability for any dispute arising for any payments to be made unless and until the issue is properly solved.



Regards,

Nazneen Khan

[protected]