[Resolved]  HDFC Bank — Salary Account on Hold

Address:

West Delhi, Delhi

Sir

My salary account is[protected] with HDFC bank Connaught Place branch.

Yesterday my salary was transferred in the above mentioned bank account number. I am unable to withdrawal my salary from above mentioned account number. I called in HDFC bank customer care number. According to the executive the salary is on hold from credit card devision.

I was managed a credit card of HDFC bank around 6 years back. Same was settled from HDFC bank Naraina Branch on Rs. 10, 200/- in three shots. Two installments were completely cleared but in last installment I faced some misbehavior issues with the lady executive of DSA. I told her clearly that rest amount of Rs. 4,500 is pending from my side and I want to pay the said amount only on one condition that please share the statement of my credit card. Because the limit of credit card is Rs. 10,000/- and I already paid around Rs. 17,000 on the card. She use vulgar words against me.

Please see the attached documents of trailed mail with HDFC bank.

Now today I had a word with Ms. Ruby Anand of HDFC bank credit card division. I told her that this is my salary of whole month and I have a wife and 2 year old child with me. If you want I agree to pay the card limit amount to you and please release the rest amount of my salary. She ignored and told that whole amount of salary around Rs. 32,763 will be settled as a settlement amount. Please arrange Rs. 10,000 more or we will send a mail to Chennai for approval on Rs. 32,763 to settle the card amount.

My whole salary blocked by HDFC bank. Only Rs. 4,500 is due from side and I agree to pay Card Limit amount amount of Rs. 10,000/-. But I want to release my salary.

Sir I am very depressed and want your intervention.

Please do the needful.

Mails to HDFC bank is given below:-

From: Sethi, Amit (Amit) **CTR**
Sent: Monday, November 29, 2010 6:28 PM
To: 'ravi.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'
Cc: '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'; 'naveen.[protected]@hdfcbank.com'; 'Punita.[protected]@in.hdfcbank.com'
Subject: RE: HDFC Bank Credit Card [protected]
Importance: High
Hi All

Received two calls from Ms Ritu from landline No. [protected] today 6:16 PM. She said that:-

Ms Ritu - TUNE PAYMENT KARNI HAI YA NAHI KARNI HAI.

My Words - MADAM KAISE BAAT KAR RAHE HO

Ms Ritiu - TUJH JAISE KAMINE AADMI KE SAATH AISE HI BAAT KARNI CHAIYE.

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]


________________________________________
From: Sethi, Amit (Amit) **CTR**
Sent: Monday, November 29, 2010 5:32 PM
To: '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'; 'naveen.[protected]@hdfcbank.com'; 'Punita.[protected]@in.hdfcbank.com'
Subject: RE: HDFC Bank Credit Card [protected]
Importance: High
Hi All

Received a call from Ms Ritu from landline No. [protected] today at 5:01 PM. She was calling from Naraina 2nd floor collection branch. I told her clearly that please connect me to your senior Ms. Punita Tiwari but she regret to connect me.
She was behaving like an illiterate people and speaking very rudely and highly. She said that "Kya tum intelligent ho. Payment karte ho ya nahi. Agar payment nahi ki to dekh lena. Esclation karne se kuch nahi hota. Resressal kya kar lega".

In 7 minutes telephonic conversation she was a put a pressure on only one word - PAYMENT PAYMENT PAYMENT.

If again I receive this kind of calls. Same matter will be delivered to LEVEL-3.

Address : HDFC Bank House, Vatika Atrium, A - Block, Golf Course Road, Sector 53, Gurgaon - 122002
Tel :[protected]/4664245
Fax :[protected]
RIM : [protected]
Email :ravi.[protected]@hdfcbank.com

Please interven.

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]


________________________________________
From: Sethi, Amit (Amit) **CTR**
Sent: Friday, November 26, 2010 11:14 AM
To: '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'; 'naveen.[protected]@hdfcbank.com'; Punita.[protected]@in.hdfcbank.com
Subject: RE: HDFC Bank Credit Card [protected] - Card Statement and Card History Require
Importance: High
Hi All

Received a call from Punita Tiwari from Mobile No. +91 [protected] today at 10:45 AM. According to her words "I am failiar with this kind of mails and I am unbale to provide any kind of details. If you need then please come to our Naraina Branch, New Delhi I'll give you the access of my system and password login and generate the information yourself. If you do not want to make the rest payment then no issues no impact on bank. This will be continue."

Point 1 - If you do not have required details then why commitment was made to customer.

Point 2 - If you do not have any kind of NBW Warrant or Court Notices then why you called me to your Janak Puri Branch and agreed to show the softcopy of NBW Warrant (Unable to Show the NBW Warrant).

Point 3 - If you do not have any kind of Warrant then why you called me and said rudely "Pay the whole amount within 36 Hours or your warrant will be executed".

Point 4 - Systems or servers are yours, peoples are yours, working for you then why system and password offer to customer for self access of your database records.

I appreciate the spoken skills of Ms. Punita Tiwari.

Already mentioned in the trail mail and till now I am receiving your calls.

Good response and understanding.

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]


________________________________________
From: Sethi, Amit (Amit) **CTR**
Sent: Friday, November 26, 2010 10:39 AM
To: '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'
Subject: FW: HDFC Bank Credit Card [protected] - Card Statement and Card History Require
Importance: High
Hi

FYI...

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]


________________________________________
From: Sethi, Amit (Amit) **CTR**
Sent: Friday, November 26, 2010 10:27 AM
To: 'naveen.[protected]@hdfcbank.com'
Subject: HDFC Bank Credit Card [protected] - Card Statement and Card History Require
Importance: High
Hi

As discussed several times.

Please share the HDFC Credit Card Statement and card history for the rest of the period (DISCUSSED WITH Ms. RITU) for the account [protected] from start to till date.

Reason for Card Statement and Card History - Received many harrassment calls and letters before and after of settle the card regarding Court Notices / NBW Warrants / Use of Vulgar Words / Open the case in front of family members personally or verbally through phone.

As discussed with Ms. Ritu above mentioned card already settled on INR 10,200.00 in 3 shots. A amount of INR 5,500.00 already paid to bank and the rest amount of INR 4,700.00 is ready to pay in cash. Received a letter from HDFC Bank Cards Devision stated that the settlement being time bound, any default in payment of the ammounts as agreed or within the time stipulated under the settlement will invalidate the settlement and render the same void. After couple a days I received a notice from court under SECTION-138 on the above mentioned card account and a notice letter from S.S.Advocates Chennai. Credit Card Statement is a right of customer stated under RBI Circular DBOD.FSD.BC.17/24.01.011. Please read the below mentioned points carefully:-

1. Customer’s rights in relation to credit card operations primarily relate to personal privacy, clarity relating to rights and obligations, preservation of customer records, maintaining confidentiality of customer information and fair practices in debt collection. The card issuing bank/NBFC would be responsible as the principal for all acts of omission or commission of their agents (DSAs / DMAs and recovery agents).

2. The intimation for including an individual’s telephone number in the Do Not Call Registry (DNCR) should be facilitated through a website maintained by the bank/NBFC. The numbers cleared by the card issuing bank/NBFC for calling should only be accessed. The bank/NBFC would be held responsible if a Do Not Call Number (DNCN) is called on by its DSAs / DMAs or Call Centre/s. The card issuing bank/NBFC should ensure that the Do Not Call Registry (DNCR) numbers are not passed on to any unauthorised person/s or misused in any manner. Banks/NBFCs/ their agents should not resort to invasion of privacy viz., persistently bothering the card holders at odd hours, violation of "do not call" code etc. The disclosure to the DSAs / recovery agents should also be limited to the extent that will enable them to discharge their duties. Personal information provided by the card holder but not required for recovery purposes should not be released by the card issuing bank/NBFC. The card issuing bank /NBFCs should ensure that the DSAs / DMAs do not transfer or misuse any customer information during marketing of credit card products. In the matter of recovery of dues, banks should ensure that they, as also their agents, adhere to the extant instructions on Fair Practice Code for lenders (circular DBOD. Leg. No. BC. 104 /09.07.007 / 2002–03 dated May 5, 2003) as also IBA’s Code for Collection of dues and repossession of security. In case banks have their own code for collection of dues, they should, at the minimum, incorporate all the terms of IBA's Code. In particular, in regard to appointment of third party agencies for debt collection, it is essential that such agents refrain from action that could damage the integrity and reputation of the bank/NBFC and that they observe 11 strict customer confidentiality. All letters issued by recovery agents must contain the name and address of a responsible senior officer of the card issuing bank whom the customer can contact at his location. Banks /NBFCs / their agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude the privacy of the credit card holders’ family members, referees and friends, making threatening and anonymous calls or making false and misleading representations.

My only contact number is [protected] - PLEASE DO NOT CALL ON ANY OTHER NUMBER

Mail already sent for DNC on[protected] dated Tue 9/21/2010 2:36 PM - MAIL ATTACHED

My current address is 1st Floor Vipul Orchid Plaza , Sector-54 Suncity, Gurgaon, Haryana – 122002.

As discussed with Ms. Ritu, please send your executive on above mentioned address with the card statement and card history for rest of the period and collect the rest amount in cash from me.


A discussed with Ms. Ritu - Please call me on my number [protected] only after Monday and after 4:00 PM because I am out station for company audit and unable to receive your call before Monday 4:00 PM.

PLEASE AVOID CONTINOUS CALLINGS (15-17 CALLS PER DAY)

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]