[Resolved] HDFC Bank Bank Credit Card — Unjustified late fee charges | |
I paid my due amount on 04.01.2009 through cheque dropped in collection box at HDFC Bank, Kota. However, perhaps due to Sunday on 4th Jan. and holiday on 5th Jan. (Eid), cheque was cleared late which was not at all my fault. In the next bill I received statement mentioning late fee of Rs.350, which was not acceptable to me. Please look into the matter and inform me at the earliest. Thanking you, Yours faithfully, Sunil Sharma B-355, Talwandi, Kota (Rajasthan) Mob. No. [protected] e-mail : [protected]@resonance.ac.in Credit Card No. [protected] Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 2 Comments | |
Comments
Dated: 03.10.2010
To
Indian Consumer Complaint forum
Sub: Complaint Against HDFC Bank Credit Card Nuisance
Reference : HDFC BANK CREDIT CARD NO: [protected].
Dear Sir,
I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card, my credit limit was Rs.2, 38, 000/- and after that Bank has revised and reduced the Credit Limit from Rs.2, 38, 000/- to Rs.1, 77, 000/-. I have used my Credit Limit and I have already paid Rs.2, 77, 371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.
On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.
If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that, I have made excess payment against my used amount.
Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife, not only that, they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately, otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.
Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me, Is it a Reputed Bank ???
My Credit Limit was Rs.1, 77, 000/- and I have paid Rs.2, 77, 371/-. If my intention was bad then, why I will make the payment for Rs.2, 77, 371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???
Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.
Thanks with Regards,
Manas Ray Chaudhury
Bhopal.
NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)
[protected]Mr. Sunil, Mr. Dubey [protected])
NB: In spite of repeated request, the HDFC Credit Card Division were not Co-operating with me. Their actual Intention is bad and how to harass the customer mentally and physically in public place.
To
Indian Consumer Complaint forum
Sub: Complaint Against HDFC Bank Credit Card Nuisance
Reference : HDFC BANK CREDIT CARD NO: [protected].
Dear Sir,
I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card, my credit limit was Rs.2, 38, 000/- and after that Bank has revised and reduced the Credit Limit from Rs.2, 38, 000/- to Rs.1, 77, 000/-. I have used my Credit Limit and I have already paid Rs.2, 77, 371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.
On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.
If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that, I have made excess payment against my used amount.
Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife, not only that, they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately, otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.
Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me, Is it a Reputed Bank ???
My Credit Limit was Rs.1, 77, 000/- and I have paid Rs.2, 77, 371/-. If my intention was bad then, why I will make the payment for Rs.2, 77, 371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???
Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.
Thanks with Regards,
Manas Ray Chaudhury
Bhopal.
NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)
[protected]Mr. Sunil, Mr. Dubey [protected])
NB: In spite of repeated request, the HDFC Credit Card Division were not Co-operating with me. Their actual Intention is bad and how to harass the customer mentally and physically in public place.
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Unjustified Dues — : Unjustified dues showing repeatedly in the statements in spite of sending complaints.
Sub : Unjustified dues showing repeatedly in the statements inspite of sending complaints.Ref: Credit Card No:[protected]
Dear Sir,
Inspite of any e-mail dated 14.03.08 & 30.04.08 and besides numerous telephone calls to your 24 hour help-line, my problem regarding unjustified outstanding amount has not yet been resolved rather the same is going on increasing as usual fashion. The brief details the long episode are again furnished to you—
• Against statement dtd. 29.12.07 showing total due amount of Rs. 19623.42, an amount of Rs. 18706.08 was paid after detail telephonic discussion with Mr. Sajid ([protected]) on 05.01.08 as agreed upon.
• Surprisingly in the statement dtd. 29.01.08 the earlier due amount i.e. Rs. 917.34 was not reversed rather reflected in the statement. Again the matter was informed over telephone (customer care [protected]) on 08.02.08 and the legitimate amount of Rs. 443.08 was paid on 08.02.08.
• The same unjustified amount was repeated in the statement dtd. 01.03.08 and against the matter was briefed to Mr. Shib/ Ms. Radhika and I also requested to cancel the card if the due amount is not reversed back.
• Informed the total matter over e-mail dtd. 14.03.08.
• The same thing again repeated in the statement dtd. 29.01.08 showing total due amount as Rs. 2146.92.
• Meanwhile you sent one of your representatives at my residence when I was not there. My wife gave him my mobile no. But none interacted with me. It is quite objectionable to me.
• I got a letter from ICICI dtd. 03.04.08 Lombard and I asked them to stop the renewal of policy on 12.04.08. against any will.
• After receiving the last statement dtd. 29.04.08 showing the total due amount of Rs. 3076.25, I again interacted with Mr. Kiran on 08.05.08 and registered my problem explaining the earlier matter.
As per instruction I tried to contact Mr. Sharma[protected] since 8th May but Mr. Sharma did not find any time to discuss the matter till date.
Under this situation I would once again request you either waive all the interest, late payment fees and service tax charged since Dec’07 or please cancel the card with intimation to the undersigned immediately.
I confirm you no more correspondence shall be made from any end if you going on sending the statement without resolve the unjustified dues.
PLEASE TREAT THE MATTER AS URGENT
Thanking you
Yours faithfully
(Sajal Chatterjee)
38A, Canal west Road,
Kolkata- 700 004