[Resolved]  HDFC Bank — Overcharging & irregularities of credit cards

Address:

Gurdaspur, Punjab

I had appllied and received a credit cards from HDFC bank . they hadn't properly intructed me in the mean time i didn't get my cards bills, i noticed from SMS that company had heavyly charged me unnecessarily. I requested for bills again and when i received the bills, i was shocked to see an amount of Rs.2000/- charged me unnecessarily. i complaint for that ammount but they told me to deposit Rs. 2500/- in credit cards account then we will waive off your Rs.2000/- (charged ammount) and that time i had deposited Rs.3000/- in my credit card account and they waived off that particular ammount. in the mean while(April2009) i had visited chandigarh and done some shopping but i realized that time my card not activated from them. when i came back after one week and called recovery centre for activation of my card. that time my due ammount was near about Rs.20000/- inclueded all charges. because my card was not activated hence i didn't deposit any money.

I was asked from recovery side to deposit Rs.1000/- but it was not sure wheather my card will be activated or not.but still i was ready to deposit the amount but due to my personal commitment it delayed one or two days and same time i recieved a call from recovery side and she misbehaived me and quoted me " AGAR APKI AUKAT NAHI THI VAPIS KARNE KI TO PAISE KYO KHARCH KIYE " to this i got annoyed and didn't deposit any money. then i recieved a call from RITIKA from recovery agency and she appolozied on behalf of her. then i deposited Rs.1100/- on her request in my account and she promised me waivedoff all the charges and activate card also within 15 days.

Nobody ask me up for a month thereafter. then i received a call again from RITIKA and she asked me a deposit balance amount. I required about the waived off charges which was pending a fault from them and i again requested card which was not done. she declined to give any waiver and insisted me to deposit the money.


then after a month a representative of recovery channel came with the due amount of Rs. 28000/-. He asked me for submit Rs. 5000/- and sattle for card acount. But I Refused for the same.

After few days,I received a letter form their Credit Card legal cell and immediatly I called up their mentioned number but same she didn't give me good response and she told me that your card will not be activated and if didn't deposit their full amount you will not get any banking service from HDFC. I was very tense that time and i didn't understand, what to do now. I again received a letter from HDFC BANK and mentioned their Mr. LALIT no.[protected]. I called up his no. and discussed all that things which was happend during that period. he promised me to clear all the dispute and sattle with Rs.20000/ but after two month I've also one opend new salary account in HDFC BANK and Credit Card department Hold my salary which was company cradited Rs.25,204/- on 30th july. after that i again called up to Lalit, he told me that i couln't help you but do one thing to call bank help no.[protected] and registered your compaint now. I call up their they told we didn't handle cradit cards queries so ragistered your compaint on credit card centre[protected].I ragistered my complaint their and Executive MEGHA told me that someone call you from our side within two days. when i didn't get any call from their side,I again called up and another Executive DEEPALI told me same wording. Nobody call me and I have received a letter from HDFC CREDIT CARDS DIVISION. And my balance amount is within one year 38,405.98 I shocked to see their amount and realized bank charge me up 50%. now they want to sattle with me hold that my particular amount Rs.25,204.00 but also said if you will not pay your all pending amount, always you will be defaulter of bank and will not get any any banking services.


Sir, I was discussing all that dispute regarding card with mr. Lalit from last two month.and he promised to resolved all dispute all. But now I realized they don't want to resolve my queries. they only want to hold my accout amount that why banks hold my amount without taking any explanation from me and hold my account if i didn't give any answer to them, credit card cell debit all amount 25,204/-from account without any explanation on dated 14/08/2010. bank didn't realized their fault. kindly resolve my problem as soon as possible.

Regards,


kamal Sahni

City- Pathankot
State- Punjab
Mob.-([protected])
Email- sahni.[protected]@gmail.com
Credit Card No--[protected]
Hold Account No.- [protected] ( Hdfc Bank Gurgaon)