[Resolved]  HDFC Bank Credit Card — Hdfc credit card fraud harassment

Address:

Mumbai City, Maharashtra

To,
The Manager
HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041.

My Name is Namita Powale, I was HDFC CREDIT CARD HOLDER but since last three years my card is block account is settled. I already paid Rs. 38, 000/- or more and strictly called them cancelled my credit card. I received a call regarding same for payment confirmation and cancellation receipt of my credit card. My card limit was 40, 000/-. After couple of months collection agencies started calling me for payments. I was under impression that my account was settled and by them my account kept accruing following charges each month:
Late fee
Service charge for Late fee
Overlimit charge
Service charge for Overlimit charge
Finance charge / Interest
Service charge for Finance charge / Interest

Now, Ms Fatima Shaikh wants me to pay 72, 000/- (all above charges) thats not possible for me and I will not able to pay as well because I already paid my usage with interest of HDFC Bank. In last week I received calls from [protected], [protected], [protected]. I wanted to launch a complaint against these numbers as they using abusive language over the phone with me and next time I didn’t pick a call they called on my Husband’s office talked to owner of the company in abusive language. I am continuously telling them that I will not pay anything now because issue is over I don’t even know my card no because it’s a past since they are sending their executives to my home continuously calling my friends and family. Now I feel it’s kind of an extortion calls I am receiving from hdfc people and they don’t have any manners of talking to customers. Now I am a jobless pregnant lady from middle class family can’t be pay such a huge amount and y should I pay?? HDFC bank want me to pay Rs. 72, 000/- against for the credit amount Rs. 40, 000/- against which I Total I paid more than Rs. 40, 000/-. If will not pay this then they will give me, my family extortion calls. I need .How much a person has to pay to a bank against his card. It’s a crime for person to take hdfc card .A person has to pay more than his usage .I wants a right PERSON TO GUIDE ME where i can complaint against these persons and wanted to sort out this problem without paying a single penny.
Also I want few questions to be answered:
1. Does HDFC collection executive have right to lie and give false commitments to achieve their monthly targets?
2. Does HDFC bank have authority to abuse and threaten people to collect the money?
3. Does HDFC collection agent have rights to unethically avail card member’s family members and friend’s information?
4. Does HDFC collection agent have rights to call card member’s family members and for collection?
5. Does HDFC collection agent have rights to harass card member’s family members and friends and to threaten them?
6. Does HDFC bank often sends wrong letters for settlement to the customers?
7. Will I get justice and compensated for the trauma I had gone through due to unethical business practice followed by HDFC bank executives?
8. Will I get any written explanation and apology from HDFC bank?

HDFC bank has caused a mental trauma to Me, My family members and my family friends.
HDFC bank executives have jeopardized banks reputation and my financial standing.
I have been harassed, humiliated and traumatized by the recovery agents employed by HDFC Bank.
It has caused me great embarrassment in my society and spoiled my reputation.

I have lost faith in HDFC credit card division and the way your collection department behaves. Also I have all recordings regarding the harassment received from collection executive employed by HDFC Bank and would register a police complaint against them and the bank.

I need an escalation in this case and would like to get a favourable resolution to this issue, falling which I will be forced to take further.

Regards
Namita Powale