HDFC Bank — No consideration by the bank and caught in chicken and egg problem

Address:

Faridabad, Haryana

I have been holding the HDFC credit card for many years and have never missed a single payment. Then all of a sudden the bank decides to change the mode of statement delivery and start sending the statements on email. All that is fine, but the real duping starts later. At the end of the month, since I am not aware that the statement is not delivered to me physically, I missed the payment and obviously got the call from the credit recovery team which informs me that i need to pay X amount. I make the X amount payment immediately. Later I realized that when the credit recovery team calls, they dupe the customers by telling that the amount they mention is not the complete amount but just the minimum payment amount and they keep on doing it till the point the customer themselves asks. When I got too know this, I reported the complaint to the customer care but they never communicated back despite the promise "of returning back in 3-4 working days". The cycle keeps repeating and next time when I question the Credit recovery team, they say " Please make this minimum payment else your card will be de-activated and no request will be entertained". So I am caught in the chicken and egg problem. I make the minimum payments to keep the card active so that someone will listen to the complaint and I keep getting interest accumulated on the remaining payments and no one responds. At the end after an hour long conversation with the bank today, they out-rightly refused for any reversals. I have no issues paying the usage amount but the interest charges have been levied in dubious ways and the bank has transformed to a literal loan shark, harassing customers for payments day in day out and refusing not to listen or entertain the complaints. I will take the legal recourse against HDFC Bank for dubious ways to loot honest people.