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[Resolved]  HDFC Bank Bank / Credit Card — Complaint: Credit Card No.: [protected]

Dear Sir,

This is to inform you that I am suffering from a cheating case of credit card no:[protected] On 19th june09 I received a call from telecaller([protected]) that I have made purchases of 24100/ through the mentioned credit card During march06 & total outstanding of the card is around 56000/- including interest, and you have to pay Rs 22000/- with in next three days to avoid any legal action. I was surprised after listing this because I havent received this credit card. I told that lady that when I was in Gurgaon working with matrix cellular services I have applied for a HDFC bank credit card but after that I resigned that organization & moved to lucknow. So my question is that how bank can deliver the credit card & even pin no(reflecting in Rs 4000/-cash transaction) to a wrong person, without taking my personal details proof. On asking the delivery details of the card they are unable to answer.After that I have taken the number of their Manager Anupam Sudha([protected]) to know more about the case she told that your statement of accounts have been sent to my office & bank is doing written communication from last three years. But I havent received a single statement till date, bank have my permanent address & my email ID also so why I have not been communicated to my permanent address. Now I felled harassed thru the entire case. On 20th june09 at 11.45 AM I received call from Banks legal advocate(Mr. Amit Tayagi) that bank has sent you the legal notice to you two times & if you do not settle the payment before 3PM a warrant will be issued against you & police will came to your home along with an advocate & take total outstanding of Rs 56000/- or objects of the same cost or arrest you. For settlement they told me to contact Siddharth Pandaya at HDFC bank . I went to bank & met with the same person, coincidentally Mr. Ashish Kumar Sharma(Deputy Mgr- Debt Mgt) from HDFC bank cards division was there I told the entire case to them but they told that he is from collection department they only settle your outstanding. In bank he checked the details of the card thru an online software but important details like DOB(20/06/1981 Actual against 19/02/1980 in system detail) phone nos at that time was wrong in spite of this they suggested to settle that outstanding. I have asked the concerned person to provide me disputed deceleration form to settle to avoid any legal action but they denied that they have not any provision of that you have to settle the outstanding & then you communicate to customer care over the case. So for a credit card which I have never received and in that important information like DOB, Phone no, Delhis Local address are wrong how can I pay for that even after getting threat of legal warrant. On 20th June 09 I also requested to send the copy of application form, Statement of account, Details of communication if any to my permanent address which is still awaited.

After this.due to continuous harassement from the bank officers mentioned Above. I have deposited Rs. 22, 000/- (Rs. Twenty Two Thousand) on 24/06/2009, Receipt No. C 17235107, settlement reference no. S 0530503. I would like to further state below facts.

1) I have never received the credit card.
2) I have never received any statement of a/c from the bank.
3) No communication has been made to my permanent address mentioned in the application form.
4) At the date of deposit of the payment by me, i have crosschecked the personal details mentioned in the bank's software against credit card no. [protected]. The date of birth mentioned in Bank's record is wrong. Phone No. mentioned in the Bank's record is wrong.
5)Deputy Manager - Debt Management, New Delhi, Mr. Ashish Kumar Sharma, was not able to provide any proof of delivery of the card/pin no. to me.
6) I have requested for a copy of application form, which was filled by me, which has not been provided to me till date.
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Aug 14, 2020
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