[Resolved]  HDFC Bank Bank Credit Card — Harassment call for Credit card payment

Dear HDFC team

I alway feel proud to say that I am a satifised customer of Hdfc bank - The best thing of hdfc bank is the service the promptness and the efficency. But from the past few days the harrasment which I am undergoing makes me feel that Hdfc is also just like any other bank.

I would breifly describe you about the problem which I am facing - I would be very happy if I could get any solution from your end.

Issue:



I have requested for a settlement on my credit card no [protected] and I have got the settlement for Rs 139600/- with a payment in 8 shots (enclosed settlement letter) my last 2 installments has been bounced and have cleared the same with in 30 days period.



It has mentioned in the settlement letter that the contract of settlement is void if any dishonour of cheques - Keeping that in mind I have asked your telecalling representative during payment of my bounced installment that wheather it will cause any problem since it has mentioned in the contract that it is void if the cheque is dishonoured - Your representative has stated that It will be a problem and any issues will be taken care by them. Based on the trust and the reputation of the bank I have paid the outstanding via cash (receipts enclosed).



Last month I have got a call from your collection representative named Mr. Anand for payment of 84000/- I have said that I have done a settlement for which he has crossed check and asked to mail the settlement letter to his superior Mr. Porchelvam who is marked in this mail - There was no revert neither from Mr. Porchelvam nor from Mr. Anand and suddenly during 2nd of July I was not able to access my ATM card and when found out I came to know that my SB account has been lien marked for RS 53000/-- I rushed to HDFC bank Nelson Manickam road branch and met one Ms Eswari on 3rd july 2010 - She had listen to my grivence and said that she will try to do a reversal of my liened account - I was contacting her the every alternate day but till now she is not able to make out any thing.



I have been moving pin to pole to all your branchs mentioned below



1. Nelson manickam road branch

2. Lattice bridge branch

3. Vadapalani branch



but it was only a waste of time No one was able to give any solution to me - The answer was very simple to contact the help line.



I have also contacted help line several times - I only hear from them that I will be contacted by concern department in 3 hours time but no one has called me yet.



I have few concerns which I request for a solution



When I have paid the entered settlement amount then why is my account marked lien?
If the contract was void by my dishonoring of cheques then why did your representative collected the payment from me?
When I have already done the payment for the dishonored cheque why do I get a notice for sec 138 after 3 months of making payment?
The lien has been marked on 2nd July but I get a notice from you only on 8th July 2010?
How can you mark lien to my account with out informing me?
Why have your representative not contacted me for further settlement?
Why do you marked lien to my account when the trail mail from Mr. Porselvan says that I need to 3760/- and I can reuse my card


I am writing this mail with a heart felt depresssion and hoping that I will get a solution for my queries and my amount will be reversed.



I would be forced to go to consumer forum and Banking ombudsman if I am not getting any proper solution from you.



thanks and regards



Noor Mohamed Majeed







[protected][protected][protected][protected]


Subject: Hdfc Credit Card Pymt Remainder
To: noor.[protected]@familycreditindia.com
CC: noor.[protected]@hotmail.com
From: Porchelvan.[protected]@hdfcbank.com
Date: Sat, 26 Jun 2010 17:09:01 +0530

Dear Mr. NOOR MOHAMED MAJEED


Re: Your HDFC Bank Credit Card # - 4346********6124

This is with reference to the above mentioned card account.

We observe from our records that your card is currently over due. We would like to inform you that there is an outstanding amount of Rs. 82, 464.64 /- as on date on your card account. we request you to kindly effect immediate payment of Rs.3, 760 / to avoid further levy of charges. Post your payment the card will be available for usage

Please do get in touch with our Debt management Executive at the following number for any further clarification.

Ph :[protected] Extn -1561
[protected]

Assuring you of our best attention always,

Sincerely,
Debt Management
CreditCards

HDFC Bank declared 'Best Private Bank in India' in the Euromoney Private Banking Survey 2010.
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Harassment call for Credit card payment
Hi,

This is Tushar. I have a HDFC bank credit card. I am getting lots of call from HDFC agency for doing credit card payment, however as per settlement done with HDFC back I have done all payment, however after completion of payment they have start calling me again that your settlement is invalid and you have to do balance payment.

I am not using There credit card from more than 1 year however they are keep sending me bill and adding charges on same. As per discussion with HDFC agent on called while paying last payment she told me this is my last payment and I will not get this bill again.

Now I have pay to HDFC more than what I used, I do have settlement and payment details with HDFC back. The problem is HDFC has multiple agency they do not have proper record of customers, hence every Agent is talk different and guide on different way, now they have cross the limit and using bad works and they harassed me & my family.

I have try to reach HDFC back however they are not ready to take compliant saying they are not looking credit cad division and I have to go there head office. There is no clear direction to whom I have to reach to resolve this issue.

Please let me know because I bore with agents abused words, and don’t want to keep any relations bank like HDFC. please contact on [protected]@yahoo.co.in