[Resolved]  HDFC Bank — Forcibly Extracting Credit Card Dues 4.5 times the Credit limit

Sir/Madam,

This is a complaint against HDFC Bank and HDFC Credit Card division. 5 years ago HDFC Bank issued a Credit Card (No: [protected]) to me with a credit limit of Rs. 8000.00. After couple of years I was unable to pay the amount due to financial issues in my family. HDFC bank goons started calling me and harassing me over the phone using abusive language. This made me change my phone number. In some month’s time I was able to arrange the money to pay back, and called HDFC Cards division, however with many tries I was unable to contact the right person or department to pay back. I tried this couple of times however in vain.

This year I joined a company that has a HDFC Bank Account. My Salary account (No: [protected]) was opened in Basaveswaranagar Branch. I got my first salary of Rs. 34332.00 in the month of June 2009 from this company. As soon as the money was credited in my account HDFC bank put it on hold without any communication to me or any permission from my side. When contacted they were very rude to reply and did not get any communication. When my company contacted HDFC and wrote a letter, they informed it was because of my credit card. In few days I received a letter from a solicitor of HDFC telling me that my money is being taken because I had not paid my dues. I tried contacting HDFC bank asking them to go for a settlement of the issue. However no one called me or tried to settle this issue. In few days my complete Salary of Rs 34332.00 was debited from my account without informing me, which is 4.5 times more than my credit limit on the credit card of Rs 8000.00. As my family is heavily dependent on my salary to run my house and make ends meet. I went through lots of trauma in the last 2 months because of the financial crunch and could not pay my monthly bills.

I request you to please look into the issue and demand my money to be returned with a compensation for my mental trauma and financial losses incurred.



Yours Faithfully,
Sowmya Banerjee