HDFC Bank — Credit card

Address:

HDFC BANK - CREDIT CARD SECTOR-61 NOIDA 201301

To
RESPECTED SIR

Subject: Wrong Charges charged in Credit Card Statement
Reference My HDFC Credit Card No. : [protected] IN the name of Ram Kumar Gupta
Dear Sir/ Madam,

Please refer to my above reference HDFC Credit Card, in which bank is wrongly charge the amount in Credit Card.

In this regard, I will to inform you that in the month of August-2018 a transaction of Rs. 8000/- through my credit card to AHO MEDI HEALTH LLP. When I inform to HDFC Customer care executive to hold the payment they told me to fill the disputed form immediately I had mailed the ‘Dispute form’ to bank regarding the stopping of payment of Rs. 8000/-.
When I called to hdfc customer care executive they told me every time it is on process and neither your limit will be block nor any charges will be debit to you
Since the month of Nov-19 to Jan-20 some finance charges start to debit in my account when I told to customer executive they told me due to mistake charges debited to your account and it will be reverse and in future will not be debited any charges till the matter will not resolve.
In the month of March-20 due to Corona virus the lockdown period start no customer care executive was not available on phone after the lock down period they assured me that all charges will be reversed it is also the instruction of our HONOURABLE SUPREME COURT of INDIA
After that bank had never solve my dispute and regularly charging the Late fee and interest of Rs. 8000/- and I had call many times to customer care department and they ensure that my dispute will be solve and it will take some time for solving, but till
now “TWO YEARS HAD BEEN PASSED, BUT MY DISPUTE IS NOT RESOLVE”

Please note that my Salary A/c also in HDFC Bank Ltd, and one personal loan which I had taken from HDFC Bank ltd, and I am regularly paying the same in time’
You can also check the previous payment record of my credit card that before due date of the same I had paid in time without any fail.
As I am a customer of HDFC Credit Card, but your person are threatening me regarding making the payment of credit card, which is not resolve so far and I am mentally disturb and harassed by credit card department - customer care executive and when I Called to customer care executive they told me every time your query on process and all charges will be reversed but till date issue had not been resolve.

As I had also inform to Credit card division that I can make the payment of Rs. 8000/- to bank and agree to bear this loss, but before that charges of late fee and interest/finance charges should be waived off.

But they are not listening and every day they insist me and threatening to pay the dues and also every month they are debiting amount from my salary S.B. account no : [protected] without my permission and in spite of debiting the amount they are
adding every month the late fee and finance charges in my credit card account to harass me.

I again request to please help me and arrange to reverse the addition charges, also kindly adjust the paid/deduct amount of Rs 7581/- against my disputed outstanding amounting of Rs. 8000/-

DESCRIPTION AMOUNT
(Rs)
Late fee 6400.00
Finance charges 15491.07
IGST 3603.53
TOTAL 25494.60
Less : Charges reversed by Credit card 4308.42
NET charges debited by bank in credit card 21186.18
MY ORIGINAL DISPUTED AMOUNT 8000.00
Amount paid by me 1578.00
Amount directoly debited by bank from my Salary a/c 6003.00
TOTAL PAID/DEBITED FROM MY SALARY A/C 7581.00
BALANCE AMT (DISPUTED AMT-) TO BE PAID 419.00

Regards

RAM KUMAR GUPTA
MY MOBILE NO [protected]