HDFC Bank — I am complaining about unauthorised payments made by bank

Address:

Pune, Maharashtra, 411058

Hi All, I got multiple calls from the HDFC credit card department to take the credit card. I submitted my documents. I got a card which was not promised to me. I was told that I will get Rs. 2500 reward points.I got a card in June, 2015. I also have a letter which came along with the credit card stating that Welcome benefit of 2500 points i.e. Rs. 2500 will be given. I called the agent who sold the card to me and she mentioned that I should call the customer care service number to get those points. I called multiple times to the customer care number also spoke to the manager and was informed that I was misinformed by the sales representative and that they would send a complain to the marketing team and will get back to me. They never got back to me. I had mentioned even then that I am not going to use this card and want to return it. I have never used that card at all from the time I received it from June 2015 till Date. One day I get a message from HDFC bank i.e on 3rd November that a payment of Rs. 10579 was made via smart pay is successful. I have not authorised the HDFC bank to activate smartpay on the card. I have not signed any document or online activation for smartpay on my LIC account. They cheated me while collecting documents that they need a proof that I have an LIC and if at all I make any LIC payment using card my card will become free for life time. I got the card in June and since then the smartpay was not activated and all of a sudden I get a message that the amount has been paid. This is fraud as I have not authorised any smartpay to HDFC. I called HDFC call center number on 3rd November to register a complain against it and the floor manager "Sonu" mentioned that they don't have any authorization from my side and it is a mistake from their side. He also mentioned that they will file a refund with LIC and the amount will not be charged to me. I am concerned as if this amount reflects in my statement my CIBIL score will get affected. I have been assured by the manager that he will process a refund and it will not be added in the statement.