I’m a client of HDFC from last 3 years and I’m in grate trouble because o[censored]nprofessional and unsupportive approach of your staff, just to inform you that last one and half week was one of the most painful times I have ever spent in my life.
On Friday while making some daily purchases I came to know that my debit cards transition was put on hold, and when I enquire about that in customer service. They said that their credit card division has put it on hold and they can’t help me, this was a shock for me as the credit card they are talking about was settle in months back, after deep enquires and after making several calls to customer service and to phone banking guys, I came to know that according to there record I still owe them around 25, 000 RS.
This credit card was settled and I pay according to reminder phone call from collection center, I have got receipt and letter with me, Karan was name of the agent who come down to my place on monthly basis and collect the payment, and he himself collect last payment and he promises that I’ll get no due certificate any day, every thing was fine for few months and then all of sudden they(collection) people start calling again asking for payment, and when I try to call Karan for the same, he advice me that please ignore such call tell them that card has been settle down, but later start receiving threatening calls and i took this seriously I contact Karn again, then he came up with different story, he advice please ignore such call as every time calls come from different Call Center and it take time to update all system simultaneously.
On Saturday first thing I did was I try to call phone banking and log a complaint and that operator assure a call back from concern department and she advice to go to my mother branch, It was quite frustrating and annoying for me, (On Monday) even in my bank branch on one take me seriously and no one entertain my request. I spoke to Rahul and he was not keen to listen to me at all also he gave me a suggestion that never trust these Collection People phone call, I was surprises, then I told him all story from binging and he took a call back request as well, when I spoke to Branch manager I try to show him all receipt I have and that letter, he gave some “Globe Gayan” and he ask for ref. number of complaint, then I log another complaint with Surbhi Malhotra with ref number [protected].
Since then I have only received one call and when I tried tell him that it might a confusion from your end and please consider my request and payment and advice a solution that gentleman took call back again.Later I call again and aging but no response, perhaps I was not shouting at them so they took me in wrong way.,
Day before yesterday I received a letter stating that they will debit all my money from account, I spoke to Herdeep Singh, he uses foul language as” paisa to main tere gale se nikal loonga “ and when my elder brother try speak him about all receipt and letter, that guy was very blunt and rude, he said that “do whatever u like to do and he do not give [censored] to it”
I have visit your Rajouri Garden branch, I spoke to manager there and he assured me that please allow us to take 13, 000 RS in one shot and he will take care of the rest.
I have received statement that is showing some pending amount, also they have taken out all of may money.
I’m worried now and it seem that no one can Help me out, all my bills are pending and also house rent, no one is ready to listen to me I think I should hang my self, I do not know how long I can take this…..!
HELP
If some one can help me, please call me at [protected]
Rajneesh Kumar
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I had a Gold Credit card with HDFC Bank and that A/c was opened in Dec 2006 up to April 2007.I had taken around 26K in total from the bank of which I Paid them around 16K. I was not getting my statement so I told them to give me my receipt other wise I will not make the payment and I didn’t pay in May 2007 they levied Charges around 3-4K as penalty and then started harassing me.
Two women called in Aug 2007 and Abused me I asked them why are they talking to me like this and they said "Aap to Chor ho aap jaise logon se aise hi Baat ki jati hai" .I called customer service and Complained about the same and they promised me that there will be no further call like this again. Those two women called again after 15 min (I was ok that I have filed a complain and HDFC will take some action internally)but to my surprise they told me “Jitna Rona hai ro lo Payment to hum nikalwa hi lenge” also they threatened me that people from recovery would come to my home and indirectly she threatened me that “you know how recovery people deal when they got to someones house” she said How would you feel “Jis mohale mein aap rehte ho wahan aap ki beijati ki jaye” to which I was totally Scared.
After that I asked them to close my card and settle the card that was in September 2007. They closed the card and said in order to escalate the process of Closure I must Pay them Rs.3, 300 . I did the same and made a payment of 3, 300 on September 29, 2007 also they asked me to cut the card in 4 peaces and send it to the Chennai office and I followed the same, After that no Calls in the month of October.
In the month of November2007 they called me again and they said you have not made your payment on time I told that they have requested to settle my Card an asked for the final payment and they told that no process or initiative has been taken and the money I had paid was just the months closing target and the person miscommunicated to get the money out of my Pocket .so I requested them to make Final settlement documents and tell me how much I need to pay then only I will make further payments.
The bank sent two people. Mr. Amit Singh (Mobile no.[protected])Deputy Manager Management and Mr. Ranjeet to settle the A/c.(Card).and they made me speak to Mr. Aman Malhotra who is Manager Debt Management .On that day my statement showed dues of 33, 000 where my credit limit is only 30K also to remind that as per my calculation I had already paid them around 26, 000 till that Date .They agreed to settle my A/c for 19, 000 of which Rs.3, 300 had to be paid then and there and rest Rs.2, 614 in another Six instalment and I agreed to the Same, they gave me a written record for the same and told me that they will send the originals through Courier .If Any one wants to Check I can show the transaction in my Bank Saving A/c that I made 6 payments on the first of every month and throughout these 6 months I kept asking for original papers and they assured me that they are calling from Rajauri Garden and my papers are Ok and they tried to send me the documents 2 times but I was not at home So I gave them an address to a General Store that is open from 8am to 9pm to deliver the documents but they didn’t .On further inquiry they informed me that no one was there that was a shock for me as the shop opens everyday .So they lied to me .
I kept paying the instalments on time, when I had to make my last payment I got suspicious and so I went of my own to Rajauri Garden where the bank employee told that my A/C shows a settlement of 27K to which I disagreed and showed the documents and they told that it was not a Valid document. I called Mr. Aman Malhotra (Manager Debt Management ) and he said that he was busy in an meeting and will revert back later to which he didn’t .I tried calling him Many a times but he never picks up my call his Mobile number is [protected].I even have a message saved in my Inbox that he had sent saying that he will call me later .
Any ways Since I too work in a BPO so I tried to contact my manager as I had a fear that HDFC will block my savings A/C .My Manager who has worked in a Collecton center earlier suggested that I must make the payment for the instalment to avoid being a default. So I did the same and made my last payment on May31, 2008.
Later again bank started calling me and told that the payments are not being made on time to which I disagreed and told that I have made all the payments and now according to me there are no further dews to which they disagreed and sent an employee for collection .I showed the person all the documents and told him in detail where I was coming from. The person spoke to his supervisor and told me that the collection agent have been playing with me.
Further in the month of September I once again started getting calls from the Bank from Mr. Raj(he said his name is Rajshekhar) and he asked me to make payment to which I disagreed and told him that I am not going to make any further payments . After a few days I went to withdraw money from my HDFC Saving A/c and I got to know that my A/c has been blocked and on inquiry was asked to contact the credit Card division.
I had to be in the Rajauri Garden once again and I spoke to Mr. Raj in person. He took Rs.600 Cash and they withdrew Rs.1900 from my Savings A/c and he informed me that who so ever and what so ever department that was dealing with me had given me false information and told that He will call me later .I kept calling him throughout the month and he kept telling me that its bank holiday, closing, Gandhi Jayanti, Dusshera, Diwali and reasons like that.
Yesterday(November 1, 2008) I got a call from a Ms. Ritu (Landline No.[protected] saying that I have not paid money on time to which I told her the whole story to which her response was that she doesn’t care a damn and she wants me to pay the money .I asked her for the dews and she told that I have to pay Rs.30, 000 to the bank.
According to my Calculation I took 26, 000 from the credit card, till date I have paid Rs.47, 000 towards the same and the bank still says that I have to pay 30k.
I just want to ask is there an end to this?
The bank is not ready to give me anything in written for any transaction or dealings, they just keep calling and keep on harassing me.
Any person who wants to join me or can suggest me as what needs to be done is welcome to write to me at sk.[protected]@indiatimes.com