HDFC Bank — I am the owner of this credit card with HDFC bank card no 43467810********.The bank has been harassing me for so long.

HDFC Credit Card — The bank has been harassing me for so long.

Dear Sir,


I am the owner of this credit card with HDFC bank card no 43467810********.The bank has been harassing me for so long.

I have purchase one window A/C with some other purchasing around Rs.26000/- before purchase I asked the bank for EMI than the bank says that is possible and you can purchase after purchasing I have call to bank for EMI than the bank says EMI are not possible now I have been paid Rs.14909/- till last month but my outstanding amount is still increasing which has reached to Rs.37087.20/- bank keeps on charging interest.

The whole story is like this

I earlier talked to one of their reps he said He will convert whole amount in to EMI and your EMI will be 2087/- per month. I said fine. Than I paid Rs.2087/- on 9th July 09 to Mr. Somdutt Dhawan (Executive HDFC Bank). Next month (Aug 09) someone called me and said we have not any information about EMI and he spoke to his boss and said to me that pay Rs.900/- which is minimum amount and I will try to convert your amount in to EMI. I said fine and paid Rs.900/- on 22nd Aug 09 to Mr. Sonu (Executive HDFC Bank). Next month (Sept. 09) again I received a call by Mr. Sonu and he said your EMI request under process and you must pay Rs. 1590/- than I paid that amount to him on 3rd Sept. 09.Next month (Oct 09) Mr. Somdutt Dhawan called me and said your EMI amount is Rs-2087/- than I asked to him about last two month story than he said your due amount already has been convert in to EMI and your latter with details send to you within a week than I paid above amount to him on 18th Oct 09.next month (Nov 09) again Mr. Somdutt called me and told your EMI amount is reduce now you may pay Rs.1150/- I sai fin and than I paid Rs-1150/- to him on 5th Nov 09.Next Month (Dec 09) I received a call by Mr. Sonu and he said me last story that EMI under process than I asked to him about Mr. Somdutt than he says he is not aware about him than I confused and stopped the payment but Mr. Sonu suggest me that if you don’t pay that amount than your previous paid amount can be lost and he insure me that every thinks are cleared than I paid Rs-1700/- to him on 22nd Dec 09.Next month (Jan 10) again I received a call by Mr. Sonu and he repeat same story than I said fin and paid Rs-1718/- to him on 6th Jan 10. Next month (Feb 10) again call me by Mr. Sonu and take Rs-2000/- on 21st Feb 10. Now I have been paid Rs-14909/-till date and I have all the receipts. Now I received a call by Costumer care and she said your card over due and your minimum due amount Rs-1500/- some things than I asked about my previous story than I shock that above all commitment are false and they have not any record of request for EMI than I submit a request for final settlement of my card to convert in EMI of my due amount after few weeks I received a call from costume care and she said your due amount has been convert in to EMI after less 13% amount on over all due amount Rs- 37087/- and you must be pay in 8 EMIs and each EMI amount will be Rs-4032/- than I said hold first I will discussed with our clique than I will be informed you.

Now I don't understand why I do it should be settled with some dignity without harassing the consumer. Now keeping in mind I have used the card for 3 years. After all they have done with my family that is not acceptable at all. Is that what we deserve as Indian Citizens?

They have destroyed all my credit history too. With all fake commitments. I don't know what to do. I am just 32 yrs old and this bank has made my life hell. Please Help me.
Thank you

Sincerely,
Rahat Noor
M-[protected]

Hi,

do get in touch with me at above email address
i will help u

thanks

If the problem is not resolved, do not hesitate to go to RBI, this is the only way to keep these private banks under control:

RBI will take a note of it and forward the complaint to Nodal officer of the concerned bank, who is bind to take action with on the stipulated period.

Here is the link:
https://secweb.rbi.org.in/BO/compltindex.htm

Dear Mr Noor,

We regret the inconvenience caused and would like to investigate your complaint further. Request you to write to us at [protected]@hdfcbank.com, with the id TTU[protected] in the subject line of your email. Please include details such as your child’s account number, your account number and your contact details in the email.

Additionally, we request you not to post sensitive information such as your account number on a public forum such as this, as it may lead to your account being compromised.

Regards, Customer Assistance, HDFC Bank

They harassed me for one year and i want to share my experience with everyone.

HDFC bank Credit card recovery department is most notorious in the country.

That is the reason they can show very low Non Performing Assets because they never write off any of the settlements done with the customers.
They did the same with me for one year. I took the matter with ombudsman, using all the emails that i had sent for one year, the settlement letter scanned copy and the proof of payment that i had done. Now i have received the zero balance confirmation and the write off in cibil.

They try to get you into accepting expired settlement letter after which you have no rights. Make sure you make the payment within the written time frame of the settlement letter at all cost

*they sent harassing recovery agents on 'behalf of HDFC Credit card'
*the agent wanted me to make part payments rather than asking for settlement letter
*they tried to make me accept the expired settlement letter.
*they did not honour their written commitment made via their settlement letter for writting off the dues.
*they kept on refusing on emails and kept asking for more money for writing off in cibil records.
* I took up the issue with their "Nodal officer" as well but to no use.
*finally i took all the mails to the ombudsman and got the issue resolved.
*Till date HDFC credit card department holds that everything that was done is in accordance with bank policies. (only God knows how many inhumane policies do they have in their kitty)
*they have wasted my whole one year in followups, mental harrasment, and botheration.

Stay away from HDFC bank for all reasons.