[Resolved]  HDFC Bank — Collection department using unparlimentry language

HDFC customer service has been behind my life for just 200/- stating that I defaulted, talking to me in high pitched tone. I have been called more than 35 times in a single day by a male customer executive demanding 200/- else “being ready to face dire consequences”. I admitted my mistake and I clearly told that I have asked one of my friends to make the payment through his HDFC savings account but it would take 24 hours for my name to reflect as a beneficiary but HDFC customer service executive kept calling me and asking for payment. Despite telling that I was in office and in client meetings I kept getting calls at my residence as well as personal # innumerable times from the same executive more than 10 times in a single hour!!! The reason he had is to achieve his collection targets before 31st Dec but is that my mistake that it takes 24 hours for my name to reflect??? I have started the needful since I got the first call but HDFC customer service doesn’t have the time even for this automated process!!!

And it’s not a default, it’s just that while making the payment I made a payment of Rs 200 less and it got delayed as my savings bank account ICICI has withdrawn the facility of making online payments to other credit cards. Even if I make a fault, I understand that and would have gladly paid the late payment or any such fee…. But HDFC customer service executive’s behavior was totally uncalled for.

After I gave the reference # of the transaction and I was complaining of pathetic customer service, HDFC executive is not even interested in listening and just hangs up and rather calls me up from a different # and blasts me back asking me "Who the hell are you? who the hell gave me a credit card and where am i working and he will take care of me etc etc"

This transaction has been a test of my patience for just 200/- . I have been treated as if I defaulted by some 2 million rupees and ran away cheating the bank.

Is this how HDFC customers are treated? If for 200 Rupees I am supposed to get treated like a criminal on the run from cops, I don’t think it’s worth the association!

The transaction details are as attached and the reference # is 1184A1 and I want to escalate this as I didn’t expect this kind of treatment for 200 Rupees from a reputed bank like HDFC. I hope some action will be taken against the customer service executive.