[Resolved]  HDFC Bank — credit card charges and calls from collection department

Address:

Mumbai Suburban, Maharashtra

Dear All,
This is in regards for the calls from the HDFC Bank collections department for credit card for outstanding bills.
My father, Mr.Asifali Nomani opened a current at HDFC Bank, Bhiwandi Branch, along with the same 21 savings accounts of all our family members.
My father is 62 years old and he did not which documents were signed by him when the sales executive visited our residence for the savings and current formalities.
But without requesting for any credit card he received one.
In Jan’2012, on a family outing in a restaurant, my dad used the credit card instead of debit card by mistake. Unknowingly that he had received a credit card.
My father did not receive any bills or emails for the bills generated until Feb’2013. He started receiving calls for the outstanding payments in the month Aug’2012. Wherein he repeatedly requested to send the bill copies on the email address or courier it on his billing address, but all in vain because he never received any bills on email as the email ID mentioned on the form was wrong.
After several calls received with inappropriate language and indecent hours by both my parents my father asked me to call on the customer services. As the Bhiwandi Branch staff did not help him out, just asked to call on the call centre number.
I rigorously followed up the case with the call centre people, and explained the story every time I called coz the calls were received by different executives. BUT NOBODY HELPED. THEY SAID THEY CANT HELP UNLESS MY DAD CALLED THEM.
Whenever my dad called them on[protected], after a lot of inconvenience, he yet never received the details of his bills.
Finally, my mother received a call once from Ms.Neeta, and she was very polite. She understood the entire episode from my mother and requested for my number. She called me instantly and asked for my address to deliver the bills. As my workplace is in Malad, she could only deliver it, being convenient to receive.
I received the set of all the Bills from Jan’2012 till date on 12th Feb’2013. To my horror, HDFC Bank charged late payment charges month on month. The bill added to Rs.6248/- wherein the swipe made was of Rs.2536/-.
Unwilling, whatever my dad understood from the situation he made the payment of Rs.600/-, Rs.2200/- and Rs.1100/- in Aug’2012, Oct’2012 and Feb’2013 respectively. In total of Rs.3900/-
Yet till date whenever we are trying to resolve the matter calling in customer care, the executives listen to the entire story and when asked to raise a request for waiver, they DISCONNECT THE CALL.
This nuisance is repeated several times. Yet the collection department continues to harass my father by using abusive language.
We really are unable to understand cant the collection check the total amount his current account or check the savings account balance of the entire family???
Cant they check the age of the customer to talk with respect with a 62 years old man????
My dad never asked for a credit card neither he was informed about it.Why??
And what is the use of the customer services helpline if they cant help the customer at all???
Request you to resolve this issue at the earliest as now my dad is fed up of receiving the calls from the collection department and is also unwilling to pay the bills as he was never informed prior about the bill details!!!!

Thanks & Regards’