[Resolved]  HDFC Bank Credit Cards — credit card Harassment

I 100% Agree to Rajneesh, HDFC is the worst Bank to deal with.

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