I Shyamal Kumar, have the bank a/c with HDFC Bank a/c No. 024401050058511. every month my salary was credited in this a/c from May 2006. Bank Persons was always use to convince me for credit card at last I was agreed and got a card from HDFC Bank. As I was new user, I was innocent about the merits and demerits of credit card. Every was going good. Certainly I have lost my job on Oct. 2009. I have applied for PF withdrawal to my last employer on Dec. 2009 and that amount has been credited in my a/c on June 10, 2009 ie, Rs. 35120.40 (according to banker), When I have checked the balance it was 0.00, then immediately I have talked with phone banker and come to know that my amount of PF has been put on hold by the bank because of some dispute with Credit card. And in the mini statement I found that bank has debited so many vague charges to that a/c. I think bank has the intention to Debit all the available credit balance in this a/c by these vague charges. Because after so many calls and requests Bank has not given any solution till the time. And as I am unemployed from last 7 months, if I will not get this amount with in limited time frame I have to suffer with many other losses and the HDFC will be entirely responsible.

Payment record of CREDIT CARD from April 08 to Dec.08.

statement Month Payment
3/4/2008 4500
3/5/2008 2942
3/6/2008 6000
3/7/2008 nil
3/8/2008 2300
3/9/2008 9000
3/10/2008 10000
3/11/2008 1900
3/12/2008 Nil

So my payments are also regular.

To solve the problem have taken several initiatives:-
1.On June 13, 2009 called the phone banker and given complain against this matter, they have given a complain No. 09164098294.
2.On June 16, 2009 again called to phone banker at 3.30pm, on the other side GURDEEP(Girl) was there and according to her no such complain was in the record and given a new complain No. that is DEL079916.
3.On June 17, 2009 at 10.43 am got a call from some Dolon Dasgupta by no 033-22488058, and given a no. of some ARCHITA BISWAS ie. 033-22488123, and she told me that” she is the right person regarding this problem. So she will call you or you may call her on this number.”
4.On June 17, 2009 at 2.52 pm some one called and discussing regarding this problem but given any solution.
5.On June 18, 2009, I have made call at 11 am on 033-22488123 to Archita Biswas, but some MR. SOMYOJEET was on the line and when I have discussed about my problem he was shouted like any thing and not ready to listen anything. When I asked about the Principal amount and the settlement amount of my credit card he disconnected the phone. Again I had made call on same number no body was peaking the phone.
6.Finnaly I have again talked with phone banker divition with the reference of my last complain number and got 3rd complain number.

Now I am waiting for response. OR else I will go to consumer court for my rights.

Thanks
Shyamal Kumar