[Resolved]  HDFC Bank Credit Cards — A lien of Rs.7819 has been laid on my account illegitimately on June 16, 09

Hi,

This is to bring to your notice an issue wherein the HDFC Credit Cards Division has directly debited an amount of Rs. 7819 on my Visa women's Gold credit card.

I was given a committment & assurance by one of thier Senior Managers in March, 09 that they would clear off & negate y outstanding balance of Rs 6000 at that time) if I made a due payment of Rs 300 then. I very much & happily paid them 300 & was resting assured that my account would be all clear after that because this 6000 amount was balance on me on account of some extra financial charges laid by them for thier own reasons !

Post that, I again started getting calls from them in May to clear my dues & I was taken aback ! Every time I got a call from a different person at thier end who refused to tell me his name so that I can give his reference to any other call I may get in future. I kept telling them that I have already had a word with thier senior manager who has assured me that my account would be zeroed down & I do not need to make any payments. They were satisfied by my response & told me "Sure Mam, thats fine."

And then, one fine day when i checked my Bank Statements, I found that they have laid a lien & directly debited Rs. 7819 (the escalated charges till June) without any prior permission !

Now, they tell me that they did send me a hard copy of the lien notice to me (which I never received). Also, they tell me that there is no such policy of refunding the charges back & they are not concerned who soever talked to me & assured me of it !!

Besides this, I never got an sms alert or an email alert or a small phone call from them before laying a lien on my account ! Otherwise. they keep calling me for collections & used to send me alerts for every little thing. How can they just do away with directly debiting some amount without being confirmed that the customer is aware of it??

Moreover, every mail they write just rudely says that nothing can be done about it now & its a part of thier Card Member Agreement. Nothing of this kind was ever intimated to me while I was buying the card.

Everytime I try to contact them, a different person responds (Archana, Vidya, Ramesh...Please go through the attached email communication I have had with them since June 21, while the amount was debited on June 16, 09).

Why can just 1 person not communicate with me who is aware of the entire case history?

This is a sheer case of breaching a customer's trust, placing false commitments, miscommunicating things all across & falsifying the customers !

(My only mistake seems to be that I did not record the telephonic communication wherein I was assured that my balance would be negated.

Please take due measures to help me if possible.

Thanks,