[Resolved] HDFC Bank Bank (Credit Card)

[Resolved] HDFC Bank Bank (Credit Card) — Fraudulent Act

S Sandeep S Amin from Mumbai, Maharashtra

I was using credit card of HDFC bank and has made the payment just one month late. The executive told me that you will not be charged late payment. After that every month I used to get the bill with late payment. That time too executive told me to ignore the same. Later on the amount raised to Rs. 7000. Before that the credit card department executive called me and insisted for settlement and I agreed for settlement by the amount told by them i.e Rs. 1000. On 7th January, the company deducted Rs. 7000 from my HDFC saving account when my salary got credited. I am a simple guy working in call center with the salary of 10k and now this bank has left me no-where else. This is my last hope. I would request you to please help me in this case and get my settlement done at the earliest. My contact nos are [protected] & [protected] Was this information helpful? No (0) Yes (0)
Aug 14, 2020 Complaint marked as Resolved
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Comments

Sandeep S Amin

from Mumbai, Maharashtra

If the company leaned on my saving account when the amount got raised to Rs. 7000 then why it didn't leaned when the amount was somewhere around Rs. 500/1000

Kumar Rajneesh

from Noida, Uttar Pradesh

Dear Sandeep,

I would like advise you from a view point of a professional expert.

First of all you should note that there is a standard procedure for the REVERSAL OF ANY UNDUE CHARGE pertaining to any credit facility provided by any bank.Normally in case of any matter related to CREDIT CARD ; usually Customer need to call the call center and need to explain the reason for delay.Bank at their sole discretion may reverse the charges in special case.

In your case it seems that you have not followed the same option rather than probably contacted the collection executive...who never have the power to reverse any charge.

As far as SETTLEMENT is concern ...in this case also Bank issue a letter of SETTLEMENT at first based on which the payment should be made.

If these procedures are followed in any case ...i am sure there would not be any kind of service issue at all.

Now you know better about your case.If you feel that you have followed the same manner...though you are facing this kind of issue ...I would suggest you to escalate this matter directly to aditya.[protected]@hdfcbank.com and mark a cc to tejali.[protected]@hdfcbank.com; jagdish.[protected]@hdfcbank.com; Grievance.[protected]@hdfcbank.com in order to have a proper response from HDFC BANK.

You may write me for any further assistance if required.

Best Regards
Kumar Rajneesh
B.Com, M.B.A., L.L.B ( Sydney )
Head
INDIAN CONSULTANT GROUP
Finance & IT Consultant
(Specialisation in Banking Disputes & Grievances )
visit us : www.indianconsultantgroup.com