[Resolved]  HDFC Bank — Credit card Fraud

I am an existing customer of HDFC bank and my salary is been credited in HDFC bank. Based on my salary account, i was offered a credit card by HDFC bank and the representative came to complete the formalities. Later after few weeks I received a message from HDFC mentioned that the card has been dispatched on 21/09/08. I kept waiting for the card and on 3rd October i called HDFC helpline to confirm the status and it was told to me that the card has been received and the same has also been activated by calling the HDFC Helpine. Moreover, two transactions has also taken place on 27th September. I went to the Branch at sector-62 noida and filled a charge dispute form along with the letter on 3rd Oct and it was confirmed to me that the same will be faxed to the credit card division. But, till 7th Oct the credit card division has not received any fax due to which my issue is still pending. Vasudha Goel the Branch Manager is not taking any interest to resolve the issue.

I have never received the credit card and I have never authorised any transaction.I think the Bank is trying to earn money by using such unprofessional means.

i have purchased rs20,000 goods from the shop Gupta Bantex Galary a/117 vikas marg Shakarpur.but the shopkeeper transacted 10,000 Rupees extra from my credit card account For this i had like to complaint against him on your customer care but no response from your side...please kindly solve my problem,kindly leave the action against the shopkeeper.and help me to return my 10,000 rupees...
my no. is [protected].

After paying my old dues ,I applied to BLOCK and CLOSE my card ,but HDFC charged my card about Rs 5000 in some insurance with I didnt applied,after 1 year from my card being blocked.And the HDFC bank executives countinously harass me for the money I didnt eat.

H.D.F.C BANK CREDIT CARD — FORGERY IN CREDIT CARD ISSUAL

DEAR SIR ,
I HAD GIVEN ALL MY DOCCUMENTS FOR APPLYING AN INSURANCE POLICY IN HDFC STANDARD LIFE . BUT SOME BADY HAS MISUTILIZED MY DOCCUMENT AND HAS ISSUED AN CREDIT CARD ON MY NAME IN HDFC BANK BHUBANESWAR BRANCH. AND AFTER SO MANY DAYS I CAME TO KNOW THAT I HAVE TO PAY RS 50000 BILL FOR USING CREDIT CARD. WHERE HAS I HAVE NEVER SEEN HOW THAT CARD LOOKS. SO DAY AFTER DAY I GOT SO MANY CALLS FROM THE BHUBANESWAR OFFICE. I TRIED TO CONVINCED THEM THAT I AM NOT THE USER OF THAT CARD. BUT STILL THEN THOSE PEOPLE ARE DISTURBING ME LIKE ANYTHING.even those people are using slang language when im not recieving their phone.

so my complain is being such an credible company how HDFC bank is issuing credit card without seeing the applicant and without his consent and signature.........

please help me , how can i solve this problem , because this thing is affecting me like anything. Even i cant con

File an FIR in police station.

Dear Sir,

sub: credit card delivered to unknown person , bank not taking responsibility of misuse

This is in reference to my card # [protected] issued by HDFC Bank.

The above card expired on 07/2009 and the bank has sent a renewed card to me, without any intimation or confirmation.

The renewed card was sent to my registered address; however I was not present there and the premises were locked.
The bank informed me that the card was sent by speed post and handed over to an authorized person. I am wondering how can someone else be an authorized person for a card issued in my name.

Later the person has misused the card and I have to go through the entire process of blocking the card filing a complaint and requesting a refund. Now the bank has re-debited the charges to my credit card account and held me responsible to pay.

As per the bank I have not updated my address; so bank is not responsible for the misuse. I am wondering if the card was really sent or not, because the bank is not ready to give me any delivery proof as well.

I am a customer of HDFC bank for the past 5 years and have been making all the payments timely for my credit card and loans.

Due the banks irresponsibility and indifferent attitude towards a loyal customer; I am holding some payment of the bank and informed them about the same.

I request you to kindly suggest how can I get relief from the bank and also save my credit history. Also I am ready to pay my legitimate dues any time the bank is ready to clear this dispute.

Please help.

Many Thanks and Best Regards,

Ashish Mittal
+[protected]
[protected]@gmail.com

I am from Kolkata. I was cheated off my original pan card/voter id card/two nos credit cards/electric bill/mobile phone etc by a gang of fraudsters (3 persons claiming to be bank representatives providing personal loan against credit card surrogate) in month of Jan’2011. Misusing my credit cards they illegally purchased Gold Jewellery valued Rs.100000/- from my HDFC Credit Card & Rs.40000/- from my RBS Credit Card. On the same day of the incident I called up respective banks customer care nos. & blocked the cards & requested the banks to block/initiate chargeback against these fraud transactions which were not carried out by me. Both the banks blocked the respective cards & asked me to lodge a Police FIR & send a charge dispute form. I filed a Police FIR on the same day of the incident & provided a copy of same to both banks alongwith respective charge dispute forms. Presently police is carrying investigation in this case & I have also approached the CID Dept with my case. Thereafter RBS bank has provided me a new card against the lost card & temporarily credited back the amount of Rs.40000/- to my new card a/c & matter is under investigation. But HDFC bank is not willing to issue me a new card against the stolen card & has denied to accept the charge dispute form with a reason “since I have provided the live credit card to 3rd party it is a violation of card member agreement & hence I am liable to pay for this fraud transaction of Rs.100000/-“ & they have also send me a statement with a new credit card no (whereas the new card hasn’t been recd by me till date) including this fraud transaction & are since then presssing me to make payment. Also note that after getting the transaction details from the banks I have personally visited the jewellery shop from where the fraursters carried out the transactions & collected a copy of the invoice & credit card chargeslips & found that the fraudsters have prepared the purchase invoice in my name & residence address (which they got from my electric bill) but the signature on the charge slips is totally fake & doesn’t match at all with my signature which was also putup on the respective credit cards. Pls advice me future steps to conclude this chapter with both the banks as I can’t continue my normal life & work because of this problem.

My Name is Arjun M.R, I was contacted by HDFC sales team that i will be given a TITANIUM credit card which will
have feature like free movie tickets and other offers. Since i liked that offer i applied for it.
They said that i will receive confirmation email mentioning all the benefits of the card and only if i reply i will get my card. To my horror after 3 days i found that there is no movie tickets benefit in this card from HDFC customer care and i immediately asked them to cancel it and they said they will cancel the card, and ALAS!! i was sent the card. I rejected the card when BLUEDART tried to deliver and asked the HDFC customer care to cancel the card and again HDFC hasnt cancelled the card. ANY TRANSACTION HAPPENING ON THIS CARD will not be mine and i will not take any responsiblity to it. My application number is [protected]s2.
I have written to Anurekha from grieveance and there is no reply. Please HELP
My email is cs.[protected]@gmail.com and phone number is [protected];

Hi,

I am writing in reference to my HDFC card ending with 0657, where fraudulent charge of rs 39,200 has occurred, the only information which I have got from the bank is "merchant is london based company". I would request bank to provide me details where the product was/is supposed to deliever & other information which can help me in tracing the culprit. I would need more relevant information from the bank.

Thanks,

Ajitabh Sinha
Mobile:[protected]

Dear Sachin,

We are in receipt of your complaint with regard to the issuance of a HDFC Bank credit card and the same is under review for an appropriate resolution. You may look forward to receive an email response from our end, to your email ID: [protected]@GMAIL.COM shortly. We thank you for your patience and cooperation in the interim.

Regards, HDFC Customer Assistance.

Dear Grievance cell,

This is Balaji and I stay in Thavarekere, Bangalore. On 30th Dec 2014, I got a call from Contry club saying you are eligible for the worth of 25, 000rs.gift
out of 50, 000 candiates and they have asked me to come and collect the same at Sarjapur, Country club office, Bangalore.
I went their at evening 6:30pm and they wanted to show some tour packages and club membership as a bonus gift for HDFC BANK Customers for 30 minutes.

After validating the hdfc association tie up with Country club from my side by some proofs that they shown to me,
the sales representative Mr.Sundar ([protected]) promised the below things as a additional gift as per the below details upon paying Rs.1Lakh

Free 7 days & 6 nights all over the world every year for up to 8 person without any yearly due
Interest free installments for up to 48 months for credit card payment of mine Rs.1.Lakh
Free Gym
Free Swimming pool
Free Spa
Free Function Halls
Free Kids summer camp
Free Kids karate classes
Free Passes for Events like (New year celebrations, X-mas etc)
Free Car facility for Site seeing places
Customer can cancel membership at anytime after 6 months

and when i agreed to go for the 48 EMI option, immediately the country club sales person swiped my hdfc bank credit card for Rs.50, 000 initially. Then immediately I got a call
from hdfc bank asking for enhancement limit to 1.5 Lakhs on the same day (30.12.2015), I enquired about country club details to hdfc bank and they said EMI option
is there and country club is listed in their merchant list. After the confirmation they had to increased the swipe limit to 1.5 lakhs. Then immediately the country club
sales person swiped for another 2 transactions of Rs.34, 000 and Rs.16000. When I asked immediately about the instance EMI option, the sales person told me that the EMI procedure will
take 2 to 3 working days time to process and he got me EMI forms and one more agreement immediately to sign on it forcefully without giving me ample time to read through it by saying that
this offer is valid only for today upon signing it.

When I called the representative on the next day, he says he is busy and in meeting and started avoiding my calls. When I contact to country club customer care people they
told there is no such offer. After reading lot of consumer complaints and fraud schemes about country club in the internet in the following links

http://www.mouthshut.com/product-reviews/Country-Club-reviews[protected]
http://www.thehindu.com/news/cities/Hyderabad/cheating-case-against-country-club...⇄
http://info.akosha.com/consumer-complaints/hotelsresort/complaint-against-countr...⇄
http://www.consumercourt.in/amusement-park/82166-country-club-fraud.html
http://www.consumercourt.in/entertainment/82987-fraud-complaint-against-country-...⇄
http://timesofindia.indiatimes.com/city/hyderabad/Country-Club-management-booked-for-cheating/articleshow/23430420...⇄
http://www.grahakseva.com/topic/country-club
http://www.complaintboard.in/complaints-reviews/country-club-l21944.html
https://www.consumercomplaints.in/country-club-india-b100222
http://www.grahakseva.com/complaints/220040/country-club-country-vacations-fraud

and still more, I realized it is the fraud scheme business doing by HDFC bank and Country club combiningly, I had raised the transaction dispute on the very next day
to HDFC bank and sent the cancellation letter to country club customer care people by mail and speed post within 10 days as per their cancellation procedure
(AIRDA norms).

But hdfc bank closed my dispute by favouring to the fraud merchant country club and at the same time there is no cancellation response from country club.
Below are the response i got from bank and country club

Response from bank
[protected]----

Dear Mr.Balaji,

This is in continuation to our response dated 21 February 2015 regarding your HDFC Bank credit card account.

We are fully sensitised to your concerns expressed and taking complete note of the same, we had once again taken a detailed review of your card account. We wish to reiterate that the three transactions for Rs.50, 000.00, Rs.34, 000.00 and Rs.16, 000.00 incurred at M/s.Country Vactions on 30/12/2014 were on a card present environment. In view of the above, the transactions remain payable by you.

Please feel free to contact our phone banking officers at :[protected]
or write to us at : PriorityRedressal.[protected]@hdfcbank.com for any further clarification/assistance that you may require with regard to your credit card and we shall respond to you.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are also required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India); in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website www.hdfcbank.com for details of the Banking Ombudsman Scheme – 2006.

Kindly note the query reference number for this correspondence is [protected].

Assuring you of our best services at all times.

Regards,


Bhargav K
Manager - Correspondence ( PNO Desk)


Response from country club
[protected]--------

"This is to inform you that All Country Vacation memberships (party paid or full paid) is non refundable under any circumstances once the purchase is made.
This is clearly mentioned in the agreement form that has been signed by both parties.However a membership can be transferred, gifted or sold through your own contacts.
Country Vacations does not sell or assist in terms of contacts.For further assistance please contact[protected]/301".


But there are many cases hdfc bank has refunded to the customer's favour. Few of my friends got the refund from other bank by raising the dispute
and some of them got from hdfc bank also. I had even attached all the bank reference numbers to hdfc bank for the verification, but still they have rejected
my dispute and favoured the merchant.


My membership details
[protected]-
Email Id: [protected]@gmail.com
Phone number : [protected]
Membership Id: CVBG1CLUB5LB191308

Because of the false promises made by them like 48 EMI with 0% interest and life time membership and vacation trip with no further dues, i am mental torture now.

I have sent all the cancellation letter mails by post and by mail to them.

So Please assist me in cancelling the membership and get my money Rs.1.Lakh back.

My contact number - [protected]


thanks

Balaji