[Resolved]  HDFC Bank — Excessive interest charges levied on credit card

Date :- 18/02/08

Head Customer Care
ICICI Bank Limited
Md. Illayas Khan Estate, 3rd. Floor,
Above Music world, Road No. 1,
Banjara Hills, Hyderabad-500034

Subject:- Waiver of Interest Charges

Ref: - ICICI Bank Credit Card No.:- [protected],

Dear Sir,

This has reference to your monthly statement (due date is 02/03/08) for above referred credit card. In this statement, you have charged Rs.591.75 /- towards interest and Rs.73.14/- towards service tax.

In this regard, I want to clarify that, I, have not received the January 2008 credit card statement after that as my best knowledge, I have deposited Rs.10500/- in my credit card account and same was received by you on 18/01/08. Today, I call to you customer care center (Miss Mamta, call time 3:45 pm) and she confirmed that your total amount was Rs. 11000/-, that’s why interest was imposed on me. Even after making the payment, I am surprised to see that, you have charged the heavy interest Rs. 571.75/- on Rs 600.00 balance amount.

I am using same card from last 4-5 year, but there was not a single issue regarding payment. I am always making timely payment. I have logged my grievances to your on line customer care cell but I am not getting the satisfactory reply.

I am extremely disappointed that bank of your repute make such type of mistake. Now I am requested pl. look into this matter and waive off the interest and service charges Rs. 571.75 + service tax.

Hoping for your early favorable action.

Thanking you,



Amit Jain
H.No.200/7, First Floor
Sector 3-A
Rachana Vaishali
Ghaziabad -201010
Contact No. [protected]

HDFC Bank Credit Card — levied charges

as i am a customer of hdfc bank credit card and from last 3-4 months i m not getting the statement of that and for that bank had levied Rs 6000(approx) as finance and late charges against my card and from last 2 months i am complaining for that but i am not getting any fruitfull answer.

ICICI Credit Mastercard — Late fee Charges

Dear Sir/Madam,

I'm Tara Chand Bahuguna & your credit card customer (My Credit Card Number is [protected]) I have no recived any statement till now by courier (from 06/2007 to 06/11) & no any alert's for payment submission. This complaint i have registered many times to call center but your working is same. So please tell me without satement how i can submit my bill amount before exact date. Please check my courier deliverd statement i sure it will all [censored] signature of deliverd. i am not capable for paying late fee charges.

Tara Chand Bahuguna
Delhi M-[protected]

Credit Card — interest charges

Credit Card No:[protected]
Statement dated Aug 29 2008.
I had received the said statement with a interest charges for Rs.2572.83 & Service Tax Rs.318.00. Can you clarify the same of the interest you are charging? I had a talk with someone from your call center who had promised me that this rectification will be done day before yesterday but today when I had a talk with Sudhir around 10.25 AM he again repeatedly said it will be done tomorrow.But my last day of payment is today I do not know "what I am Supposed to do". Anyway I am making the payment without the Interest and service Tax and I hope you will not charge me anything for this in near future.

icici kingfisher master card — Charges levied for credit /master card when not used

Dear Sir,

I am in possession of kingfisher mastercard which I have taken for my financial security after the offer was made by ICICI stating no charges will be levied and is free to be used as I am an employee of a listed corporate in this bank. However for past two years I am being charged Rs 101.00 for the same.However I have never used the facility of this card but do keep for any emergency. Requesting you to clarify this to me a to why I should be charged annually without any reason. And if it is not to be charged then should be paid back to the deduction made from my account.

I shall be grateful for your sooner response and for resolving this issue.

Thanks & regards

Krishna Kumar Singh

Credit Card — levy of unwanted interest

Hi! There,

I have been paying my credit card bills diligently to ICICI for the past so many months, though I had been levied over limit charges which I covered up in next couple of months still I am receiving the interest rates,
my credit card number xxxx xxxx xxxx 7002, please look into the matter, though ICICI promises lot of benefits & shows greener pastures, in fact it is really a back breaker to the coomon man & truly the services are misleading.

That being the reson there are so many defaulters for ICICI.

Hope it suffices my complain.

HDFC Bank Ltd — CREDIT CARD PAYMENT

My credit card no. is [protected] on this card my outstanding is due of not more than Rs 4000/- though because of late fee and other irrelevant charges and the total payment is Rs 8662/- for which collection people are calling me again and again finally they got agreed to settle my credit card a/c with Rs 4500/- which is actually my actual bill.


In the mean time i have an another bank a/c with HDFC which is my salary a/c with my new company and this credit card is not linked to my new a/c still they holded the amount of Rs 8662/- on this new a/c without any intimation if i am agreed for settlement of my actual amount of Rs 4000/- then why without any intimation an amount of Rs 8662/- is kept on hold and when card in not linked to my new a/c even i have not received any bill though late fee is charged in my bill of more than Rs 2000/- why do i pay if i have not received any bill.

I have received a letter from HDFC bank stating to pay the outstanding of Rs 8662/- which includes extra amount of late fee and other irrelevant charges if the same is not paid the same would be auto debited from my new bank a/c which is not linked with my card.

I am ready for settlement why is these people not agreed for settlement just because i have enough of money in my bank a/c so that they can deduct any amount they feel like .

Show me the terms and conditions which authorise the bank to auto debit the a/c without any intimation and if i am agreed to settle my a/c with the actual outstanding why is the bank not agreed on that .

If i would not have any account then they would have chased me for settlement of my card and they would have agreed on payment of actual why is the bank so reluctant to charge extra money which is not actually used by me and even i have not received any bill why do i pay extra charges of late fee and other charges.

If no action is taken on my request for settlement of my card then i will have to lodge an FIR and need to go to consumer court for unnecessary harassment, fraud and over charging .

HDFC Bank Ltd — Domineering Charges

My complaint is i am having my salary account at HDFC Bank Ltd, Manjalpur Baroda Gujarat. since last six-seven months i did not operated that account due some personal reasons. after that what they wrote to me on 28.03.2009 that your account will be treated as normal account from 1st of April (with three days of 28.03.09 dated mail) and for which you will have to maintain 10, 000/- per day for whole quarter other wise you will be debited 750/- INR Per quater. which is not acceptable to me due to following facts:
1.0 i did not agree these terms while opening an account with HDFC BANK LTD.
2.0 and if they are saying (indirectly) in there detail approx 10 and half page asseyed terms that all terms shall be in favour of HDFC in any case than after few days they will say this from now onwards if you are not maintaining 50, 000/- per day then your house will be ours after a month than i can not do legaly anything.
3.0 any business or transaction is based on mutually agreed terms and can not run by riding against either parties will (or unjust enrichment) as per "QUASI CONTRACT LAW" in terms of LAW language.
i am having my free demat account with them and i did not operated that too i donot know what charges they will impose upon now.
i think in INDIA THESE SMART BANKERS should be banned for time and must be screwed to follow strictly humanly rules.
IF REQUIRE I WILL DRAG THIS MANAGEMENT OF HDFC BANK TO THE CONSUMER COURT FOR JUSTICE.

HDFC Savings Bank — Excessive Charges Debit

I am a HDFC Savings Bank A/c. Holder and A/c. No:is [protected]. Since the opening my from November-2008 till Aug-2009 they have debited excessive bank charges without intimate to me the same

On the time of opening my account their representative express me to maintain a average balance is Rs.2500.00 only but latter on demanded excess amount

They never sent a statement to me from the begining

They have return my clearing cheque before deducting their charges and again deducted return charges

ICICI Credit Mastercard — credit card transaction without knowledge

This is to inform you that an online transanction has been done 05 times (1st transaction 10 thousand Rs, 2nd and 3rd Rs. 5000 each, 4th and 5th of Rs 3500) from my credit card No. [protected] on 23 Oct 09. A confarmatory message of this trqansaction details has come in my mobile approx. at 1310 hrs. This transactions has been done without my knowledge. I've lodged a complain to your customer care executive and the complain No. for the same is[protected].

It is therefore requested that the problem mentioned ibid may be solved at the earliest and necessary action may be initiated.

Thanking you and Regards.

Dear Rajib,

We're sorry to hear about your experience. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

HDFC — interest calculation

I am E.Narayana reddy holding credit card of no.[protected].I received a message regarding payment of due Rs 35351.65
I availed credit card limit Rs 15741 date 25/9/2011.
again Rs 2000 on 12/10/2011.Again Rs 4012 on 21/10/2011.
in this regard i want full details of charges individually.You had charged too much rate of interest .Kindly check into the matter.Send me feedback at [protected]@gmail.com

HDFC Credit Card — Charges Levied on Credit Card

Hi,

This is regarding the HDFC Credit Card # [protected].

I have made a online transaction on 08/11/2007 to pay my insurance premium of Rs 25,000.00. When I received the statement there was additional charges of Rs 775.63 as Finance Charges - Retail. I called up customer service to enquire about the charges and they said that you made premium payment that is why the charges has been levied. I have paid them Rs 25,000 amount as per my statement but they didn't clarify me about the charges as no other bank levy such kind of charges. Now they have made up that amount to Rs 14,000.

I want to know few things.

1. Why the charges been levied to pay the premium and why they haven't mentioned earlier.
2. From Rs 775 they have made it now 14,000.

These are charges which even they don't know why they have levied on me. I am feeling cheated. They have put my name in defaulter list which making any default.

Now I want to clear them up. but I am not getting any lead from the customer service and their settlement department.

[protected], [protected] these are two registered complaints # to settle down the things.
But still not getting any response.