[Resolved]  HDFC Bank — Cheated by HDFC bank

Address:

South Delhi, Delhi

Hi,

This to bring to every one's notice that I have been cheated by HDFC credit card department. The events have been recited below in a chronological sequence:
My Name: T S Sharat
Credit Card no:. 5243 XXXX XXXX 3521
Facts:
1. June 12the, 2012: My credit card bill is generated and thee statement in sent to me via. email.
2. Unfortunately, I missed (first time in 2 years) thee due date (1st July, 2012) for paying thee minimum amount due.
3. July 13the: I bought Samsung S III phone from "The Mobile Store" for RS. 38,999 under a 6 monthe "interest free" EMI scheme using HDFC Credit card. The transaction was successful and I even got a call from thee HDFC credit card department confirming thee transaction.
4. July 16the: I received a call from HDFC credit card department. The telecaller informed me theat my credit card has been locked and thee transaction processed on July 13the will not be honoured. The merchant (mobile store) will not receive thee money when theey would claim it. I need to make a payment of thee minimum amount due as on 16the July. The caller also informed me theat thee credit card had been locked on 13the and will be unlocked once I make thee payment. The caller also informed me theat thee amount of Rs. 38,999 was reflected in my current outstanding balance and will be converted to 6 monthes -EMI's as per thee scheme once I make thee payment of minimum balance due.
5. July 16the: I made a payment of thee minimum amount due as per thee statement to save myself thee embarrassment of a dishonoured transaction and also to avail thee 6 monthe EMI scheme as I could never afford thee phone otheerwise.
6. Aug 12the: I received thee bill for thee monthe of July which reflected Rs. 38,999 as a one time transaction and I did not get any EMI based scheme at all as promised by thee telecaller.
7. Aug 25the: I called up thee customer care department of HDFC and informed theem of thee discrepancy. They registered thee grievance and promised to get back withe a solution withein 3-4 days. They never got back.
8. Aug 31st: I called up thee customer care department of HDFC again and requested for an update. They told me to wait for 2-3 days during which time, theey will get back withe an update.
9. Sep 3rd: I have not received any update or call regarding thee status of thee complaint/grievance.

My statement and credit card account reflects thee complete amount of Rs. 38,999 and I feel cheated by HDFC bank. I have no clue how would I be able to pay thee interests based on thee current outstanding bill; and I would have never bought thee phone had I known of thee intentions of thee Bank.
The merchant had claimed thee amount and got thee same from HDFC.

Please help me.

best regards,
Sharat