[Resolved]  HDFC Bank Bank Credit Card — Undue harassment

sir, i have compelain that the executive of hdfc bank came to me at the time of gave me cradit card told me that u r a doctor so our compony give u cradit card life time free that sceme for doctor only .after that i receive bill which i can cancel through there executivv and she says it never been happen again but these nonstop harresment steel go on&on and every year i received there bill for charge whuch i must not paid. so gave me solution because i m a doctor & ihave no time to go every time to there executive for these same compelain.

To,

The HDFC Back Manager,

Credit Card cell



Dear Sir,

I was tried to withdraw 5000 Rs from my Credit Card ([protected]) on 12.02.08 at 13:44:04 from Central Bank of India Terminal code SITD021401.

But due some M/C fault I was not received money.

I have immediately entered complaint in Central Bank India Complaint Register and inform their Manager.

And at the same time I have informed to HDFC help Line.

After that I have followed several times to Ms. Priya HDFC Bank.

Today As discussed with Mr. Varun I am sending attached copy of receipt but it is very old and fed that’s why not clear.

But still I have put all the information what ever I can read. There is below information also printed

TX# 5805 RESPCODE# 0051





So please take necessary action.



With Best Regards

Amit Saxena

Date of Birth 200876

Roulunds Braking India Pvt Ltd.

Bahalgarh Sonipat.

The Manager
HDFC Bank Credit Card Division
New Delhi.

Sub:- Reversal of Late Payment & Interest Charges
Reg:- HDFC Bank Card No. [protected]

Dear Sir / Madam,

This is bringing to your kind notice that I’m holding above mentioned credit card from last 2-3 years. And I’ve made all my previous payments on time. From last couple of months few Late Payment & Interest charges are carried forward in my credit card statement.

I also would like to inform you that from Nov’2007 onwards I’m traveling abroad very frequently and due to the same I was unable to pay my outstanding amount on time, but apart from that I’m regularly paying my monthly charges (Purchases for the month). And also would like to inform you that from last from Feb’2008 onwards I used the above mentioned card only once in April’2008 (which was already paid).

I would like to request you to kindly reverse my late payment and interest charges so that I will start using above mentioned credit card regularly. For your reference please find below the summary of my late payment & interest charges as on date and my current outstanding:-
Statement Dt Interest Late Fees
5.12.07 393.26
5.2.08 203.04 350.00
5.3.08 116.65 350.00
5.4.08 54.22 350.00
5.5.08 68.64
5.6.08 60.70 400.75
503.25 1, 844.01
TOTAL 2, 347.26
I hope you will understand the circumstances and do the needful at earliest as possible.
Looking forward for your kind co-operation and support.

Thanks & Best Regards


(AMIT KUMAR)
Card No. [protected]
Tel No. [protected]

The only way to handle these cases seek legal help and record all conversations with the call center and collection agents. In case of abusive harassment on the phone walk to the nearest police station and lodge a complain with the recorded conversation.

This has helped me in more then one ways

Hi,

I Have HDFC Credit Card with number [protected].

Yesterday I got a call to pay the dues and penalty (In total Rs. 15525/- ), Immediately I went for clarification, they showed me some partial statement which was not clear to me, I asked for a detailed statement but the recovery team told me that their system shows only this much and they cannot provide me a detailed one, The way the spoke to me was very harsh and they were reffering me most of the time as a fraud which hurts me a lot. If I was a fraud I wouldn't have gone to their branch yesterday, but they said that you will be made to come to the branch.

Today due to the pressure and threathening from them I have given a Cheque of Rs. 15525/- (Citi Bank. Cheque Number: 472961) to the recovery team (Bangalore –Airport Road).
The due date of the Cheque is 21st Aug. 2008.

I need to verify this due amount which HDFC is claiming that I have to pay, before paying to HDFC. As I had changed my company during November 2004
But I could not change the address of this credit card account. This was done with the assumption that I have closed all my dues with HDFC credit card.

As now you are asking for the dues, hence please send me the statement details during this period so that I can verify the charges. I will keep this Cheque payment on hold unless I verify these penalty details through the statement.

Please send electronic copy of statements from Nov 2004 till date. This shall help me in clarifying my doubts.

If I don’t receive the statement in electronic form before 21/08/2008, I will hold the payment and the payment will not happen.


Regards,
Imtiaz.
[protected]

HDFC Credit Card Late fee — Undue Harassment for Credit Card Payment

Hi,

My credit card no. was [protected].This credit card has already been expired in Nov 2006.Against this card I have done only one shopping in Delhi for Rs. 560/- only and for which I have already paid the payment through the cheque in due time.

Now this card has already been expired and no longer exists.But after a gap of 2 years, HDFC bank is asking a late fee of Rs. 4400/- from me.I do not know how this figure comes now.

They have also sent me a legal notice to my address and asking me for this amount, otherwise they will take legal action against me.

Everytime, I ask them about my statement when & where I have done this shopping, please provide me statement so that I can pay the amount.But they are not in a position to provide me the same, rather they ask for the above said money.They do not have a basis for this calculation, still they need money.

Now after some days they want me to pay Rs. 1600/- and make the final aggrement with them.But I do not have to pay more that Rs.1/- to close this transaction.I really do not understand how a late fee for a transaction of Rs.560/- can arrive at figure of Rs. 1600/- after 2 years and on what basis?

Really these people are begging like hell and harrasing the customers? They beg us initially for getting the credit card without giving a single penny & their executives even come down to your place to get it done everything at their cost, but afterwards make you to harrass at later stage.

Please suggest us what to do now and how to close this issue.

Regards

Bijay

dear sir

i m creditcard holder of hdfcbank i m just fed up with d service provided by hdfc creditcards people someday before i called crdt card dept to know my outstanding a guy said dat my outstnd was 15000 as i have nt recd bill of dat mnth i mae a payment immediately through chq i waschrgd late fee & finc chrg for dat few days i called back a guy dat system were so would give me a callback few min later he called me n said he would reverse dat but i have to take thier insurance policy from dat day they were harassing me like anything den i called back i escalated dat call i had talk with mr dominic floor mgr of crdt dept he said dat guy was a new one so called me after dat he cut my call i would like to mr dominic dat wen a guy is new y dey r allowed take calls nd sales pressure also would to suggest dat pls train ur new guys properly after dat make dem to attend a call otherwise u will loose ur preferred cust for dat
akshay

mumbai date 31/03/2011