[Resolved]  HDFC Bank — Pulling money from saving account to credit card account at HDFC bank.

It is to put your the kind attention on the bizarre transactions happening these days in the HDFC bank. Without providing proper clarification they are pulling out money from the saving account to fulfill the unjustified claim on the credit card.

It all stated with a credit on call in the month of 4th Apr’06. After a prolonged follow up for foreclosure, I finally received the letter stating about the current outstanding of the loan dated on 11th May’ 06. Immediately (16th May’06 cheque no 739878) I paid the amount and foreclosed the loan. Surprisingly I was still receiving the statements but no body from call center able to clarify on that. In the mean time I received (5th June 06) a missive stating that the loan has been foreclosed. Though it was foreclosed from my end but astonishingly it was not pre-closed from the Bank end and the statement was reaching me month on month. The only touch point that remained open for me was the call center to lodge a complaint but it was dumb enough to explain the exact scenario. Though I was paying all the principal credits taken by me after that, but the accrued sum was getting accumulated.

Collection dept in the mean time started out-calling but “what for” was still unanswered. The overall intra-department functionality was so pathetic that no body resolved my complaint except saying in unison “payment is due”. It was awesome to experience the double standard of the bank - On one side they are sending letter about the foreclosure of the loan, on the other hand they are giving conscious effort in increasing the total outstanding by not foreclosing at bank end.

In this juncture I stopped using the card and waited for the resolution. Till date the resolution is still pending but bank has internally pulled away Rs 40741.41 amount from my saving account in two phases. Till date I have received not a single communication stating these freaky transactions. I have already sent a missive to Managing Director HDFC Bank too on that, but yet to receive any clarification.

Therefore need your intervention to get back this money in right shape. In this regard I would like to point out the way employees of HDFC bank communicates- rather than service sector it seems like a “command sector” with all sort of “false words” in wrong way during the communication.

Hence it is almost like a nightmare for customers of HDFC bank to have a saving account with them, as it is working like having a thief inside your house that can pull out any amount without notification.