[Resolved]  HDFC Bank — Refund of Credit Card overpayment

Address:

Gurgaon, Haryana

Good Morning,

There is debit of more than rupee 30000 showing on my credit card with HDFC bank since May 2011 due to overpayment. I have made several requests via email, phone, HDFC website to request for refund. For almost an year nobody responded about the process of how to get the refund or asked for ton of paperwork to substantiate that it's a valid request for refund (though I don't understand why should I needed to provide evidence as it was obvious in their own system). None the less I provided the evidences requested but I still didn't received my refund. Then I had to leave the matter as I had to travel overseas for work. In Nov 2012, I pursued the matter with HDFC again and finally they agreed to refund in form of Demand Draft by mid-december. When I made a follow up phone call to HDFC in mid-december, I was told that I would receive it by about December 26th as it got delayed due to administrative issues. When it didn't came till January 15th, I followed up again and I was told that they cannot issue a DD and hence, need my saving account number to reimburse the money. I have provided that now but has been told that I would get the money by January 31st. HDFC bank associates have given case reference number every time with a promise that "it would definitely be refunded now". I would like to get some help from judicial system or consumer court about to not only get my money but with interest for the time (1year and 7months) it was showing due on bank's side just like HDFC credit card would have charged me if I would have not paid. I also need additional compensation for harassment and trouble I have gone through to get my money. If there is a true judicial system to provide justice to a consumer, kindly let me know and I would provide all the evidence supporting my claim. I can be reached at saurabh.[protected]@gmail.com. Regards, Saurabh Chhaparwal