Credit Card Complaints & Reviews

CREDIT CARD NO [protected]
I RECIVED THE CREDIT CARD OF ABOVE NUMBEAR OF ABN AMROBANK AT JAN 2008 BUT DUE TO LESS CREDIT LIMIT I RETUNED THE CARD TO SAME ADDRESS AFTER THAT I PAY THREE TIME PAYMENT OF RS 450/- BUT MY CARD WAS NOT CANCLLED AFTER ONE YEAR THEY SAY ME THAT I[censored] PAY RS 300/- THAN UR CARD WILL BE CANCLLED BUT UPTO TODAY MY CARD WAS NOT CANCLLED AND ALSO BILL WILL BE CONTENU AND THEY PRESSURE ME FOR PAYMENT WHEAN I NOT OPEN THE CARD AND RETUREN TO ABN AMROBANK BUT UPTO TODAY THEY CALL ME FROM NUMMBER [protected] [protected] AND OTHER NUMBERS AND ALSO PRESSURE ME FOR PAYMENT MY NAME IS HARESH CHHABRIA CON NUMB=[protected] FROM ULHASNAGAR DIST THANE STATE MAHARASHTARA SO PLZ HELP ME

hello my name is raajveer my name is in cibil as credit card defaulter...the money is about 90000 INR which i couldnt paid for last 10 months due very bad financial problems.i am still sufering from same problem and i am ready to pay 20000 INR which i managed very difficult as cant pay more than this .
i had word with my bank citi bank but they want whole amount in full with interest i asked them to make emi for i year but they are not ready for that even....
now i am going to usa as married to usa citizen lady.i am not coming back to india ever and i have told this to bank but still they are not ready to listen..

help me out to get my name out of cibil as am offering this amount last time or else i will destrioy my pan no and am flying to usa and dont care about anybody..
i had asked them if you want money that is 20000 INR take it right now or just go away dont disturb me then also they are not ready to take .....
so now i have decided not pay single penny and to say get lost citi bank ......

My credit card no. [protected].
I have not been receiving the monthly statements for past four months.
Kindly send all the statements so that I can verify my accounts.

HDFC billing departmet harrassing me by holding my salary account. my credint card no is

[protected] ( inernational gold card) .Credit card department provided me EMI card By

charging me 400 rupees.I have purchased an A.C in the month of may 2009 at rs 15000 approx but

they have not converted that ammount in EMI and i have complaned this custmer care and credit

card department but they had not response to me. In the month of july i got a call from the number of

[protected] that was Mr lalit chaudhary( manager hdfc) who demanded me some of 1345 rupees

and told me that he will convert my balance which is 15000 rupees in EMI THEN HE SENT AN

EXECUTIVE to my residense to collact the money which is given by me on 21/07/09 .Reference

number given by Mr lalit chaudhary is[protected].Kindly release my salary which is 7638 rupees as

soon as possible and kindly take an action on it.

Thaking you
yours faithfully
MOHIT CHADDA

dear sir,
My name is bhim singh rana .I am use hsbc credit card holder .I am not work for 9 month
and not job in hand and no money my hand ..HSBC Bank me toucher in my house for tell my use in card 11 lac RS ..my family is sock this payment.But i am not use this payment .I am only Pay or use minimum 25 or 30 thousand only .
Please this topic solve ..

Thanking you
yours faithfully
(m)[protected]

I, DWARAMPUDI SUBBA RAYAL REDDY USED SBI CARD AROUND 5 YEARS APPROX. BACK AND CLEARED ALL THE DUE AMOUNTS AND AFTER RENEWAL MAY BE IN BETWEEN APRIL -AUGUST 2005, I DENIED TO RESTART THE USAGE OF CARD DUE TO RENEWAL CHARGES CLAIMED AND SAME INFORMED TO RESPECTIVE SBI CREDIT CARD - BUSINESS DEVELOPMENT PERSON AT THAT TIME ITSELF AND POSTED THE CREDIT CARDS(INCLUDING MY SPOUSE SUPPLEMENTARYCARD) IN PIECES FORM TO THEM AS PER THEIR RULES AND REGULATIONS.

THREFORE, I REQUEST YOU TO CHECK MY CARD TRANSACTIONS AND TAKE NECESSARY ACTION ABOUT CANCELLATION OF CARD ACCOUNT AND TRANSACTIONS FURTHER.

Reference:SBI Card Account Number [protected].

As per the purchases made from my credit card and statements received, I made all the payments in time for the full amount. I was surprised to receive the next statement showing the outstanding amount which I never received earlier. I tried to contact the customer care executive many times and wasted many days for hours but unable to reach. Immediately I stoped using the card which gives me more trouble than the comfort o[censored]sing it ( All other credit card in India are providing much better service than this card, where it isalmost impossible reach out a customer care executive for any problem faced by the user ). Once or twice I could reach the customer care executive after wasting amost 2/3 hours without any fruitful results. Last month I received a threatning letter also for the legal action and cancellation of my card. Then I contacted the customer care executive and asked me to deposit Rs 412/- against the outstanding ( which actually was not due to me ) and it was confirmed that my credit card is cancelled. I deposited the cash in protest, so that in future they should not harrass me. It is very shameful that HSBC, which operates worldwide is harrassing their users for the recovery of an amount which is not at all spent and making money out of such type of practice. I have all the statements and the details of payments against each statement which clearly shows that not outstanding amount was due against my purchases. Now you are requested to refund Rs. 412/- paid by me which was never due to me.

Date[protected]
To,
HSBC

Dear Sir


Re : Credit Card No.[protected]

I am employed with Everest Industries Limited having office at Mumbai. In or about Feb 2006, your marketing representative visited my Thane office and gave demo for the usage features of your card. While I was inquiring about the features of your card, your marketing representative obtained my signatures on some forms and obtained some documents from me for purpose of noting my name as “interested member” for filling inquiry form. Subsequently your Bank Credit Card bearing No[protected] was posted to me at my office address.

I say that without my using your card, your Bank sent me statement for Rs.210/-.approximately. I say that I immediately called your customer care number putting forth my grievance and called upon them to cancel my card and terminate services with immediate effect. I also called upon them to sent me letter for “No claim”, to which they showed their inability and stated that same is granted only in case where there is any dispute above Rs.1000/-, however they assured me that card is cancelled and services are terminated. I say that subsequent thereof, I have not received any statement from your bank till date.

I say that from last about 15 days, I am receiving sms from your bank for payment of Rs.4570/- towards aforesaid credit card pending bills. I had never imagine of such conduct from Big Banking Corporation like yours. I say that without usage of your services, how can I be made and forced to pay charges levied by you. I put forth my grievances with your customer care at Ram Maruti Rd branch, Thane who showed their inability to locate my bills and pending dues. They were also unable to provide me any Bank statement though I was ready and willing to bear the cost for same. I say that I also spoke to Mr.66667070 of your Bank collection centre at Mumbai,[protected] who responded to me rudely as if I am bring defaulter / criminal. I say that thereafter I spoke to your Delhi Recovery Cell at Telephone No[protected]/45023968 with Mr.Basant, who was also not able to resolve to my problem or provide me statisfactory reply.AND MR.SANJEEV TALKING TO ME RUDLY (he will see me at court) other wise pay 1000/- by tommarow afternoon between 12 to 3pm

I called[protected]/67116251/67116115 no one response

The said act of your to grab heavy & exorbitant amount from me for no fault of mine speaks of your volumes and attitudes to procure money by adhering to illegal means & making trap for the innocent customers like me.

I am therefore now constrained to put forth my grievance in writing for necessary action and resolution of my grievance. Request you please look into this matter and advise what should be my next step.
Yours truly,
Arun Shankar Kushwaha
[protected]@hotmail.com
[protected]
CC to for information and record

A) Thane
B) Mumbai
C) Delhi

Dear Sir,



This is to bring to your kind notice that I am one of the victim of cyber crime and found it very difficult to come out from the situation. For that I need your help to save me or help me out from this hectic situation created in between myself and HDFC bank.



There ware some fraud transaction, happened on my HDFC Credit card account number [protected] in the month of September 2008. When I received the statement for the month of September 2009 and surprised to see that few suspicious transactions happened in my card account and the same was immediately inform to customer care cell of HDFC bank. I was assured by the customer care representative that your case will take at least a month to resolve. But I am very sorry to inform you that nothing is happened on that month to till today except to pressurize by the bank to clear the outstanding against my card’s fraud transactions.



After a month again few fraud transaction were again happened on my card account (Summery is attached for your reference) that clearly indicate bank authorities was not at all taken any serious note of this fraud happened again with me. Due to bank negligence I become the victim of cyber crime.



Getting in touch the bank again, the customer care department was advised me to drop a complaint in writing to my nearest drop box of HDFC ATM. I was dropping the same (copy enclosed). I was again surprised that one day bank executive called me over phone and requested me to clear my long pending outstanding instead of taking action on my written complaint sent by fax too, I was clearly denied the person of paying my dues.



After some time one day one executive from HDFC bank was visited my residence and threatening me of paying the amount, that is not at all bearable or expected from such a resulted bank of India. I once again clearly informed the representative that I am not going to lay anything to bank unless and until my case have not been clear by the bank.



After that very day to till today I have 100 of calls for clearing of my fraud transaction amount. Now HDFC bank started sending legal notices for clearing of the amount.



It is also bring to your kind notice that on Aug. 29, 2009 the HDFC bank Card division has illegally transfer funds form my Saving Bank A/c No.[protected] and debited the payment of Rs. 8,279.59 without my consent.



It is also bring to your kind notice that fraud amount in the month of Sept. 2008 statement is Rs. 3,592.61 & in the month of Oct. 2008 statement is Rs. 3,906.25 and now comes to Rs. 13,135.51 with the late fees and service taxes that is not at all justified.



Now I have no option left to trouble you to help me out and sort the problem in-between myself and HDFC Bank and save me from the harassment done with my by the bank authorities.







I am mentioning below the letter dt. 21/10/2008, which I faxed & e-mailed to the Manager Credit Card Division, HDFC Bank.



Issue:



I have noticed some transactions in my statement, which was not made by me. When I called your customer care number then executive told me that my card data is hacked, due to that it happens.



I registered my number for secure net banking afterwards it happens. I am listing down the details for the fraud transactions for your reference.







Statement Date: 19/09/08



Domestic Transactions



12/09/08 FCY CONVERSION MARKUP EE 1.59

12/09/08 FCY CONVERSION MARKUP EE 55.17

16/09/08 FCY CONVERSION MARKUP EE 64.22

19/09/08 SERVICE TAX: @12% 14.51

19/09/08 CESS TAX: @3% 0.42



International Transactions



09/09/08 ZELDASUPPORT.COM 45.53

12/09/08 PAY-CONVRT.COM 1,576.27

12/09/08 ZELDASUPPORT.COM 1,834.90



Statement Date: 19/10/08



12/10/08 FCY CONVERSION MARKUP EE 58.71

12/10/08 MEMBERSLA.COM 1,920.91

15/10/08 FCY CONVERSION MARKUP EE 67.23

19/10/08 FINANCE CHARGES-RETAIL 148.24

19/10/08 SERVICE TAX: @ 12% 32.88

19/10/08 CESS TAX: @ 3% 0.98

11/10/08 PAY-HAIHOT.COM [protected] USD 34.62 1,677.30





When I came to know that there is no solution on telephonic conversation, I started written communication through e-mail, these were on March 10, March 17 & April 18, 2009.



Reply received from bank official is listed below:



I received information from Bank executives that “As apprised in the earlier response, we wish to reiterate you that on receipt of a request from a cardholder for details or a copy of a particular transaction, we in turn liaise with the concerned Bank for the same. Such requests are bound as per Visa/ MasterCard guidelines and the other bank is not liable to respond to our query should the dispute be referred beyond the specific time frame."



We observe from our records that we were not in receipt of any written instructions as on date towards the disputed transaction.



As you would observe from the reverse of the statement, all disputes should be communicated to us in writing within 60 days from the date of the statement which contains the transaction in question. We wish to inform you that our records do not indicate receipt of any written communication from you seeking clarification on the above charges. In future please refer any unrecognized transaction / charge to the bank immediately, as this will enable us resolve the issue to your satisfaction.



You can understand from the above contents of the answer given by HDFC bank that clearly shows that the fault is from my side only, on the other hand I have already informed the bank about disputed transaction on my card account well within the time.



So I request you to help me to sort out this issue between myself & HDFC bank at earliest & oblige.



Hoping for an early and favorable action from your end.



Thanks and regards,





SANJEEV GUPTA

A-90, Ist. Floor, Balaji Kunj, Chander Vihar,

New Delhi - 110092

MOB: [protected]

E-mail: [protected]@yahoo.com, sanjeev.[protected]@geipl.com

I.had ICICI credit cards visa & American express since Oct,2006. My credit limit was Rs.1 Lac. I have never defaulted on account of payment. I have always paid my dues on time. On 05/09/09 I was trying to book my e air ticket to Manchester, UK by using my credit card no [protected] (valid from Oct,06 to Oct,10) but my transaction was failed due to insufficient limit of my card. Immediately, I contacted customer care office and I was told that my credit limit was reduced to merely Rs. 14999/- I was stunned , few days back I recieved a call from ICICI executive to inhance my credit limit to Rs. Three Lacs and all of sudden it was reduced to Rs. 14999/- and that to without intimating me. I am manager in IDTR a unit of Maruti Suzuki India Ltd. It was a great insult to me and my organisation. It resulted a sharp reaction from me,I asked customer care office to cancel my both cards. There was no logic to keep the cards just for Rs. 14999/- My orgn is such a reputed one where many Co/Banks come with great offer. Certainly I can get new ones but I want to know have I ever defaulted on payments or not paid the dues,if not then why my limit was reduced,please inform me . Thanks & Regard.

dear concern person .

i am waiting for reply . my corspondace details is mentioned below . hope, you will take action this regards.


Thanks



Dear Concerned,

We have not received any reply/call from Ms.Amrita ( Mob [protected]) till
today i.e 10th Sep 2009.

We are finding Standard Chartered Bank is using unfair means to harass a
customer without any valid reason.

Kindly treat this as final email failing to which we have no choice but to
file a defamataion case against Standard Chartered Bank.

Note- we have called 10 times on above number but did not get any reply.

KINDLY TREAT THIS AS SERIOUS MATTER BECAUSE OUR PATIENCE IS RUNNING OUT ...

Thanks & Best Regards,

Vibhore

-----Original Message-----
From: Vibhore Srivastava [mailto:[protected]@regentrich.com]
Sent: Monday, September 07, 2009 6:23 PM
To: 'Card Services'
Cc: 'Naveen'
Subject: RE: At Your Service,Your Right Partner,Standard Chartered Bank
(KMM2930170I15977L0KM)

Dear Concerned,

We received call and statement from Ms Amrita ( Mob [protected] ) of your
bank last week against below email complaint sent by us.

One of my colleague visited Standard Chartered bank Gurgaon office today to
personally meet Ms Amrita and close this case.

The fact is that the statement provided by Standard Chartered bank is
totally incomplete and no way it shows that there is a payment due for any
bill from our side.

Ms Amrita assured she will get us details prior to the dates given to us to
see if Stan C can provide the bill claimed by them is really outstanding or
is some amount charged by bank for Interest or renewal fees etc and even
after customer has stopped using the card the customer is harassed for last
4 years now.

Kindly help us close this case immediately and issue us a NOC in this regard
because we have no choice but to file a defamation case and claim for mental
and physical harassment given by your bank without any claim on the
customer.

Kindly treat this MATTER as most URGENT and close the issue immediately.

Thanks & best regards,

Vibhore Srivastava
B-104,Happy Home Apt,
Sec-7,Plot-12A,
Dwarka,
New Delhi-110075
Mob-[protected]



-----Original Message-----
From: Card Services [mailto:card.[protected]@sc.com]
Sent: Monday, August 31, 2009 10:53 AM
To: Vibhore Srivastava
Subject: At Your Service,Your Right Partner,Standard Chartered Bank
(KMM2930170I15977L0KM)

Ref: 08/09/041060/VEE

Dear Mr. Shrivastava,

This is with reference to your e-mail dated August 21, 2009.

At the outset we are concerned to know that we have given you a cause
to complain about our services. The matter had been brought to our
attention. We regret for the inconvenience caused to you.

We understand form our records that our officers, had tried contacting
you, and as requested by you we have arranged to send your card
statements to the below mentioned address. We trust you will be in
receipt of the same shortly.

Mr. Vibhore Shrivastava
Plot No 12A, Sector 7,
No B-104, Happy Home Apartments,
Dwarka,
Delhi 110 085

Please feel free to let us know should you require any further
assistance or clarification in this regard.

Assuring you of our best services, always.

Yours sincerely,


Veena
Officer, Customer Care


This email and any attachments are confidential and may also be privileged.
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Standard Chartered PLC and its subsidiaries do not accept liability for
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Standard Chartered PLC is incorporated in England with limited liability
under company number 966425 and has its registered office at 1 Aldermanbury
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Standard Chartered Bank ("SCB") is incorporated in England with limited
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If you are receiving this email from SCB outside the UK, please click
http://www.standardchartered.com/global/email_disclaimer.html to refer to
the information on other jurisdictions.

Dear Sir,

I am After American Express Bank Credit Card Division.

I had taken a Card From Amex in 1991 and never used it. There was one BPL Mobile Bill for around 2174.54 iin 1993 which I too paid directly to BPL therefore asked the bank to cancel this entry. Therafter in May 2003 i got a letter from American Expess that they will temporarily credit this amount. After this i i surrendered my credit card cancelled and never used the card. Thereafter I too never got any correspondense from bank for any outstanding. To my surprise when i wanted to take a loan through Axis bank couple of months back they have reported that i have this credit warning raised against me by Amex. I called up American Express Gurgaon and also sent them Letter but never got a reply. The credit report in Cibil Reads as below

ACcountNum: 1166175
Reported By: AMEX
Account Type: CREDITCARD
Ownership: INDIVIDUAL
Date Reported:[protected]
Open Date:[protected]
Amount Overdue: 5,659
Account Status: Written Off

Would Be greatfull If you could help me to clear this matter. I do not mind mind still paying the amount even though i am not at fault.

It Looks like now these banks are taking CIBIL as a means of troubling customers to recover what they want if even if customer is not at fault.

Thanking you
Yours Faithfully
Rajendran V Nair
A 207, Alguj CHS Ltd. Pawar Nagar Thane west 400 610
Tel: 91 [protected] Res: 21717541

RECENTLY I HAVE CLOSED MY HSBC CREDIT CARD. HSBC BANK UNLIKE OTHER BANKS WILL DIRECTLY DEBIT LOT OF LATE PAYMENT CHARGES WITHOUT FROM THEIR SIDE SENDING STATEMENT OF ACCOUNT. EVEN FOR RS.100 THEY HAVE NOT SENT STATEMENT OF ACCOUNT BUT DEBITED RS.400 LATE PAYMENT CHARGES ALTHOUH IMMEDIATELY I HAVE FORWARDED RS.500 INSTEAD OF RS.100 AS PAYMENT BY HEARING OVER PHONE FROM THEM. I DONT WANT ANY JUSTICE FROM ANYBODY BUT IF POSSIBLE TO WARN HSBC BANK THAT ON THE PRETEXT THAT THEY HAVE SENT THE CARD STATEMENT THEY CANNOT CHARGE THE LATE FEE HEAVILY WITHOUT CHECKING FROM THE CUSTOMER WHETHER THEY RECEIVED THE STATEMENT (THEY SHOULD HOLD PROOF OF DELIVERY OF STATEMENT BEFORE CHARGING LATE FEE).

Hi,

I recently applied for a Standard Chartered bank Credit Card but after all successful verifcations were over, I received a regret letter from the bank stating that based on the cibel history my card request could not be processed. Kindly verify and let me know why my name is being reflected in the cibel since I had never ever defaulted on any credit card or loan in my life. Further if my name does present in the cibel kindly provide me with the details and reasons for the same.

Hoping for an early reply from your side.


My details for your reference is given below:

Name : Zubair Ahmed K

DOB : 19-Mar-1973

Mother's Maiden Name : Mariam Bi


Thanks and regards,

Zubair

why is my name in dfaulters list. ICICI bank is a fraud bank. I am not using their credit card still its showing i need to pay 17000k becuse of this my loan is rejected why should i pay whne i have not used ? see my records of other loans and credirt cards all the reapyments are on time what is this i have already told icici i am nt using their card then why so i dont want my name in defaulters list or I would like to file a case against ICICI Bank

To, the Manager ( CBIL)



Sub: Wrongly implicated credit card pending dues from ABN AMRO bank.



Dear sir,

This is to bring it to your information myself ‘Deepak M Bhatija’, control no :[protected] has been wrongly framed for pending dues by ABN AMRO bank as a defaulter for payment of Rs1800/- which I would hereby clarify as under,

ABN AMRO bank had issued a free credit card with a confirmation by their executive that there wont be any annual fees applicable to the same.
Post couple of month they levied an annual charge on the above credit card.
The same was brought to notice and informed to there call center, that I wanted to discontinue with the credit card and informed which was a breach of trust.
Post that I was continuously called up by recovery agents to clear payments and subsidiary penalty charges which were levied on the annual charges.
I warned them if they continue to harass me on the said case I would start my proceedings against them in consumer court. Then there phonecalls stopped from thereon.
Besides there isnt any written intimation from the bank towards registering a complaint.

And now I understand they have logged in my pending dues with CBIL which isn’t relevant and would request CBIL to please clear the outstanding record as the same wasn’t due on any purchase but a perfect example of non commitance from ABN AMRO bank. If you check the faulty outstanding levied are on annual charges and not on any purchases.

I would request CBIL to not allow such banks to login outstandings which are framed and nonrelevant and if to be allowed to be crosschecked with every case whether it’s a genuine login or not.



Regards

Deepak Bhatija

To
The officer in-charge
Subject: harassment from SBI cards
Card no:[protected]

Dear sir/madam,
I Subha Pradeep, w/o Pradeep Kumar Kartha wish to bring to your notice the following facts for your kind attention and necessary action. Of late I have been receiving unsolicited telephone calls from a person (telephone number [protected]) who claims to be a manager at SBI. He refuses to disclose his name but keeps talking about clearing an outstanding against a credit card from SBI. When I tried to convey that I did not know details about such a card, as I did not poses one he started using abusive language and even made immoral suggestions. On verifying further I find that my husband had possessed a credit card from SBI (card no:[protected] but am not aware of any transactions under the same or further details. My husband is currently out of station and I am not in a position to communicate with him. I have tried to convey this detail to the caller and also the fact that I cannot be held responsible for the outstanding position in his credit card if any. However the caller refuses to listen and continues to use abusive language. He has been trying to call me and other members of my family several times in the past few days and that too at odd hours of the day. I find this extremely harassing and intimidating and wish to inform you that it is putting me and my family under a lot of stress and strain. In light of the facts mentioned above I request you to use your good offices to take necessary action to put a stop to such actions from the caller. Please note if this harassment continues further I will have no other option but to approach the concerned authorities to redress my grievance. I will highly appreciate an acknowledgement from you side and a positive response to help stop this harassment.
.
Thanking You,
Regards,
Subha Pradeep
Cc: Vanitha commission

Hello Sir/Madam,

I have Preferred credit card holder, since last three month i got ICICI Prudential Life INS EMI in my statement, but i'm not took this INS. I had called customer care, they are not able to solve this issue. I talked to prudential customer care also, they said there is not record for your INS. In our local branch, ( Jabalpur Madhya pradesh) no body help me . This is really worst services in your jabalpur branch. Now i very Frustrated, let me know what i have do now?

Looking forward to your response as soon as possible.

Regards,

Pushpanjali

Dear Sir,

I had worked with,

ICICI Direct.com,
Sco-187, 188,
Sec-9C,
Chandigarh.

I had submitted my provident fund form 2 years before but I have not received my Provident Fund till yet If I call the provident fund office I dont get any response from them so I request you to kindly check the matter in detail & please help me to get my Provident Fund as soon as possible because provident Fund should be credited in the the account within 6months but its been 2years I am trying to get my provident fund so please help me to get my Provident Fund without any further delay.

Kindly see the mail it is self explanatory. Inspite of my pursuing the matter wiyth the bank for more than two weeks I have not got any satisfactory answer.

[protected] Forwarded message[protected]
From: sushant prakash <[protected]@gmail.com>

- Hide quoted text -
Date: Wed, Jun 24, 2009 at 6:40 AM
Subject: Re: 'HBL=[protected]' Fwd: Money Refund Confirmation from IRCTC: Kindly see the mail.
To: HDFC Bank Credit Cards Support <customerservices.[protected]@hdfcbank.com>
Cc: [protected]@irctc.co.in, sanjay.[protected]@irctc.co.in



Can you Please explain me this according to IRCTC THEY HAVE CREDITED THE MONEY INTO MY ACCOUNT AND HAVE GIVEN ALL THE RELEVANT DETAILS IF THAT IS NOT THE CASE PLEASE EXPLAIN.KINDLY PROVIDE ME WITH THE CONTACT OF HEAD CUSTOMERCARE AS WELL AS CREDIT CARD DIVISON AND I WILL BE ESCALTING THE SAME. Same is also being forwarded to IRCTC . PLEASE CORDINATE AND RESOLVE THE ISSUE. THE BANK HAS NOT BEEN ABLE TO GIVE AN ANSWER AS TO WHERE THE MONEY HAS GONE OR EITHER IRCTC LIEING. WOULD YOU LIKE ME TO TAKE THIS ISSUE TO CONSUMER FORUM.

[protected] Forwarded message[protected]
From: [protected]@irctc.co.in <[protected]@irctc.co.in>
Date: Jun 18, 2009 7:06 PM
Subject: Re: Money Refund Confirmation from IRCTC
To: sushant prakash <[protected]@gmail.com>



Dear Customer,


Kindly note that we have refunded the amount as per the following details. Please contact your bankers for confirmation with the given details :-

PNR Number[protected]Transaction Id[protected]


Payment OptionHDFC

Sr#REFUND AMOUNTSTATUSSETTLEMENTIDRECEIPT NUMBERACTUAL REFUND DATEREMARKS
1 1048.00Refunded[protected]may-2009 12:00:00 AM

Please check your account. Please send the scan copy/screen shot of the statement, if you have not received the amount.
?In future you are requested use the Refund status tracking service provided by IRCTC. Select the ?Refund to Status? Link in the left panel under the ?My Transactions?. On the plan my travel page after you log in to www.irctc.co.in giving your user id and password?.


Thanks & Regards,
Aayush Bajpai
[protected]@irctc.co.in
www.irctc.co.in
[protected]
----- Message from [protected]@gmail.com[protected]
Date: Thu, 18 Jun 2009 17:43:13 +0530
From: sushant prakash <[protected]@gmail.com>
Subject: Re: Money Refund Confirmation from IRCTC
To: "[protected]@irctc.co.in" <[protected]@irctc.co.in>



> Sir
>
> I have been pursuing this matter for two weeks now . HDFC bank have informed
> me that no such refund has been made from your side.Kindly do the needful .
> I am attaching the scanned copy of the ticket. A prompt response will be
> appreciated I do not want to escalate the matter to higher authority or
> consumer forum. Kindly resolve at the earliest.
>
> Ticket details:-
>
> PNR:[protected]
> Amount to be refunded 1048
> Please see scanned copy of attached tickets.
>
> Regards,
>
> Sushant Prakash
>
> 18.6.2009
>



----- End message from [protected]@gmail.com -----

Hi,
I have already applied for thr CDF(Customer Declaration Form) form as my credit card had been stolen by some1 and it was misused by the same person...so want to fill the CDF form for further investigation on the same...kidnly send me the CDF form on below mentioned address:-

Add:- 58/1, Girdharnagar Society,
Nr.Bank of Baroda, Shahibaug
Ahmedabad-380004

do needful...

regards,
Harshit Shah

I took Visa credit Card in July’ 2003 (My Credit Card No.- [protected] ) and we used credit Card facilities in 2/3 year, but we regularly paid min. amount till Aug’08.
In Oct’08 I have requested to your Andheri branch to close my credit card and settle my account . Mr. Desmukh has called me in second week of Oct’08, and they confirmed in end of Oct’08 my account will be settled, but till June 5th’2009 my amount was not settled.
We further discussed with Customer Care dept. (Mrs. Sneha) on 11.06.09 and we have agreed to settle my account in Rs. 88, 000/- (Rs. Eighty Eight Thousand ) in fore installment. First installment will be start on June 15th ‘2009 of Rs. 22, 000/- (Rs. Twenty Two Thousand) and subsequently other three installments will be paid, and completed by Sep’2009. Ref. No. of Settlement : SR10893460, Dt. 11.06.09.
On 14.06.09 when I was in Gujarat, your Mr. Sharma(Mob.- [protected]) of Andheri branch has send one representative to my house to collect Rs. 4000/- against my credit card due, my wife has informed to representative that myself in not available in town, so pls come tomorrow and collect the payment, but their representative threaten to my wife, if amount will not be paid immediately, then they will call to police, and representative has also threaten to my society security.
Meanwhile Mr. Sharma of your Andheri branch has called me, and I was also told by Mr. Sharma to pay Rs. 4000/- than and there to representative, other wise they will call the polish. Since, I was not in town I request to my wife to pay Rs. 4000/- immediately and she paid him.
I want to know is it the way service provides by your team to customer.
I have been totally frustrated and mentally tortured to us by them and there
responses.
Looking forward for you guys to help.
Regards,
Sanjay Srivastava
[protected]

hi, this is Harshit Shah frm Ahmedabad...my citi bank credit card had been stolen by someone and it was misused by the same person...so i am not able to pay my outstanding as it was made by someone...you are requesed to send me a CDF (Customer Declaration Form) so i can submit the same to you and the investigation can be implemented...please send me CDF form on below mentioned address:-
58/1, Girdharnagar Society,
Nr.Bank of Baroda, Shahibaug,
Ahmedabad-380004

awaiting for the form.

regards,
Harshit Shah
(Hello)+[protected]

dear sir,
in my previous complain i forgot my credit card no. 5189 **** **** 0006
address change
pratibha mishra
vishnupuri colony
church road
opp. st fidles college
aligang,
lucknow,
u.p
3 months statement also
regards
pratibha

Dear Sir,

I holding citibank, hdfc & barclay credit card since 5 years and my payment history was very good, I never ever fail to pay the monthly untill now.

Right now I have losed my job and searching a new job, so, I wont be able to pay the credit card outstanding, they may harash me by the recovery agents in that case what I am supposed to do.

I will be paying thus outstanding amount when I got job or money but at present I cannot. The total outstandin would be 80 eighty thousands, Please give me your best suggestion before I get in trouble with those recovery agents.

Thanks
Regards,
Peer.

Dear Sir / Madam,

I had a credit card account with standard charted bank. I had closed my account with the bank. Now they have put me in defaulters list. when i ask them abt the same, they say just ignore.complain now. Please help me to get out of this problem. I do not want my name on CIBIL. Due to this I am unable to get any Personal Loan or any other credit cards. I have been fooled badly by the bank.

With Regards

Ms. Suchitra Chaudhuri
932A/29, Jessore Road
"Shilpi Apt.", Flat No. 3
Kolkata - 700055.

Ph. #[protected]M)

my card no. is [protected] I have regularly paid the instalment but i have charged heavely by you and mentally harrasssed by your employee like i am calling from crime branch etc Please settele my account otherwise i got a call from shankar sheth branch pune no. is [protected], [protected].
Please tell me in which section of IPC and CRPC of our consitutation your employee give me a threating.

kindly settle my account please.

My son had defaulted payment on his credit card since he has met with a serious road accident and is on bed for the last 2 months. On my knowing this matter, I called HSBC Bombay & spoke to Ms Neha Joshi
I requested her to send me three details such as Purchases, Payment made and Interest component.
The lady named above is EXTREAMLY rude, mannerless, & abusive. We had been requesting for a DRAFT of a NO Dues certificate before we made the payment.She insisted that we first make out the payment DD that too in a language which is far from polite. She has not only behaved badly with me,
she used the same skills on my secretary and assassinated her character too.Absolutely shameful from a person employed with a reputed organization as yours..

30 minutes ago, we have sent a mail to your Mr Santosh. Kangne Asst. Manager Debt management
again requesting for a draft of the No dues certificate.

We are shocked at the treatment meted out to people who want to pay you your dues.

Mr. Director(Yogesh Sangle)/Manager,
One Year Ago i had applied For your Banks credit card.But since then i have not received the card, whereas you are sending me letters about the card statement and interest rate.How could you be so irressponsible.?
This is how your Credit Department works? I don't have your credit card, so there is no point of telling me about the bills & statement.
This is the Third time i had received your Letter.
I request you, not to send me any letter or any communication.I don't want your credit card.
I had contacted your customer care, they don't even have time to speak with me, stating call after two hours.Your service is very pathetic.

Request you, take neccessary action, and remove my all details from your Database. Else i have to serve you with Legal Notice with this kind of Harrashment.


Thanks & Regards.
Leelesh Kumar.

Hi,

I was issued a credit card by HSBC with incorrect name. Though, my first name was correct, my last name was entirely different. This happened almost 2 years back.
I called up the customer care and told them that I cannot use this card as my last name is incorrect in the card (and even in their database). If they send card with correct name, I will use the card. Few such requests did not result in issue of new card with correct name.
Then, I just forgot that issue and didn't use the card for ever.
Recently, the credit card section called me and told that there is some due on my credit card. They are claiming that the card got renewed for two years and hence this is the renewal fees and even if I have to cancel that card, this is the fee I have to pay as a settlement. Otherwise, they are take legan action.

My question is "as the card was not sent with correct name, and request for correction was not listened at the time of issue of card, asking for a settlement fee for cancellation of card is valid?" What should be my move now?

Thanks,
Shailesh