[Resolved]  HDFC Bank Bank Credit Card — HARASSEMENT BY HDFC BANK

Ref : Credit Card no [protected]
Sub : Behavior of your employee

Dear Sir,

I would like to inform you that I am holding HDFC credit card no [protected]. On 18.03.2009 madam PRATIBHA (her office no[protected] had sent one person for collecting payment at my residence, As I am facing financial crises I had written letter and kept at home so that the same can be collected by you person, I was suppose to meet PRATIBHA madam within couple of days.
As I was not at home PRATIBHA madam talked to my wife and insisted her for payment, PRATIBHA madam told my wife to arrange fund from my neighbor and told so so so so many things including how is she (my wife) is not aware of credit card, she is also responsible & etc, etc. Now I wanted to know how PRATIBHA madam can talk to family members like this, then pratibha madam called up me, i told her that i will come meet her personally on FRIDAY morning at her office address WILSON HOUSE, LIC BUILDING, ANDHERI(E), MUMBAI on friday, despite of repeated request made by me for meeting her on friday, PRATIBHA madam wanted my wife to give in writing that I will come & see PRATIBHA madam on friday morning, even she asked to send fax for the same. I was shocked to listen attitude of such an established, well reputed, HDFC bank, it was an unbelievable & unforgettable experience for me, when i reached home in the night quarrel took place between me & my wife. We had heated argument,

Sir, I never said that i will not make any payment, I am facing financial difficulties so i just wanted to give her letter requesting hdfc bank to grant me some time period for the payment.

In the month of December-2008 my father was hospitalized, in the first week of February-2009 my daughter was hospitalized, & in the last week of February-2009 even i was hospitalized, i had undergone operation of appendix. ( I had enclosed all medical discharge reports with that letter) In that last year i had incurred huge financial losses in the share market. Right now i am all sorts of trouble. I am under immense pressure & tension.

But PRATIBHA madam should have not behaved like that now i want explanation how can she talk to family member in such a manner. When i have taken credit card then how can pratibha madam ask for the payment from wife & my neighbor?


Pls treat this matter as very urgent & very serious, i dont want you take any action PRATIBHA madam, but this is professional manner,

Pls revert back
Thanks & Regards



Thanks & Regards
(Rajiv. Dayama)



























From Rajiv. Dayama
206, Sonal Apt,
Din Dayal Nagar,
Vasai Road,
Thane-401202
Date :18.03.2009


To,
The Managar
Credit Card Division
Chennai.

Ref : Credit Card no [protected]
Sub : Behavior of your employee

Dear Sir.

This is what i had written to HDFC Bank Ltd the last month & in this month of April 2009 also when I had come & met you even given request letter for settlement your collection person or recovery agent MR. SANDEEP JADHAV (mobile no [protected]) sent his person/ recovery boy Mr RAJ (mobile no [protected]) twice at my residence even after I personally visited your office, situated at III Floor, wilson House, Old nagrdas Road, Andheri (East) Mumbai-400069 I met you Mr Guurav Unival & Mr Sanjay (phone no[protected] I explained all my financial difficulties & family problem and put request for settlement. I was expecting some kind of relief from HDFC bank, which you provided orally that you are going to do something for me but VERY NEXT DAY Mr Sandeep Jadhav sent his boy Mr Raj at my home and forcefully insisted my mother Mrs Lalita B. Dayama (62 years old) to make payment, even my Sanjay had asked her to sell her jewelry, utensils and repay loan taken by me, even asked Mr Raj recovery boy to sit I in my house till I return & to collect amount from society members, since that day my mother is so scared that she is crying continuously she is very much frightened & worried, Then Mr Sanjay called on mobile and spoken very loudly again & again and abused me and threaten me that his boy Mr Raj will sit at my home whole day & will collect money on behalf from the society members. Mr Sanjay finally given me deadline of 25th April, 2009 for making payment of Rs 8000/- if I fail to make payment on 25th April he was warned me that he will use all possible ways to harass me & my family members.
Dear Sir I wanted to draw you valid attention towards the fact that every month I am already making payments of Rs 7580/- against card no [protected] which we have settled and you are already having two post dated cheques dtd[protected] &[protected] for Rs 7580/- each with you.
Dear sir when I am not that kind of customer who do not want to pay then how HDFC BANK LTD can behave like this, when I am giving all kind cooperation to HDFC Bank then how can HDFC bank treat me and my family members like this. Sir now I am very very sorry to say that I helpless & I am under immense pressure and tension. Mr Sandeep Jadhav such an experience top level executive in the reputed organization like HDFC Bank should know how to behave with the senior citizen. What your people collection team, recovery agent has done is beyond tolerance limit; I have left with no other option than to take this issue to consumer protection forum. Reserve Bank of India. Print media & electronic media. You can not threat the customer like this. This is very very serious issue.
Pls revert back within THREE working days from the receipt of this letter/mail.


Thanking You,


(Rajiv. Dayama)
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Aug 14, 2020
Complaint marked as Resolved 
Complaint comments 

Comments

RAJ JEWELLERS — MISUSE OF CREDIT CARD

MY CARD HAS BEEN MISUSED BY SOMEONE.
I LOST MY CARD WHILE TRAVELLING.
THE CARD HAS BEEN MISUSED BY SOMEONE
I RECEIVED A MESSAGE FROM BANK THAT THANK YOU FOR USING HDFC CREDIT CARD FOR PURCHASE OF Rs.41500 AT RAJ JEWELLERS AT 9:06PM THE CARD IS MISUSED .
I HAVE NOT USED THE CARD
PLEASE REPLY SOON.
i can not pay any pement online .so what am i do, plz tell me .
CREDIT CARD DETAILS RECIEVED FROM CIBIL:
Account type: CREDIT CARD
Account Status: WRITTEN OFF
Amount Overdue: 26, 797
Reported by: HSBC
Account Information: [protected]
Date Reported:[protected]

Due to personal reason (Lost the job for couple of months), I made the settlement for HSBC credit card on 25 of June, 2007 as per the settlement document received from HSBC bank. But the executive collected the cheques from me had mentioned 26 of June, 2007 (i.e. 1 day late) on the payment reciepts as he said that it is not possible for him to deposite the money on 25 of June, 2007 as bank were closed in the evening. I too missed to check the settlement date in the settlement letter but I verbally confirmed number of times that I have nothing pending now against my credit card. Now after 2 years when I applied for loan, I got refusal as the HSBC bank has updated the status on CIBIL stating Rs.26, 797 outstanding against my credit card account. On enquiring to HSBC bank they state that as I made the payment a day late then the date mentioned in settlement letter so accordingly your settlement stands null and void. After requesting HSBC bank n-number of times stating the fact that it is not my fault as I made the payment on 25 of June, 2007 but your executive had put the date 26 on the receipts, there is no hearing. I had mailed atleast 10 times to HSBC bank but they are not responsding. Everytime they are giving excuses like my phone is not reachable or they will call me with in 4-6 working days. But still there is no staisfactory response from their end. Please help.

FYI
I have settlement letter as well as the receipts with me as well.

Thanks & Regards,
Nitin Sindhwani
[protected]

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