[Resolved]  HDFC Bank — Worst Customer Service by HDFC bank

Address:	HDFC Bank House, Senapati Bapat Marg, Lower Parel, Mumbai, India - 400 013., Chennai, Tamil Nadu
Website:	www.hdfcbank.com

Dear Complaint Forum

This is Dennis Hankins, Customer with HDFC Bank. To brief you on the situation I had purchased a Micromax A90s phone on 21st November 2012 via Snapdeal.com, and converted it into a 6 months 0% emi and the merchant charged me twice for same item. I had made numerous calls to HDFC Customer service and explained the situation and also informed that I will not make any payment to the credit card until the Duplicate charge and other charges related to it are refunded, they gave me a Complaint reference number:[protected] and asked me to send me the cancellation invoice which I’ve sent . The transaction was refunded on 21st January 2013 (2 months after actual purchase). Before this issue could happen , I had a good relationship with the bank and never defaulted on any payment and was a privileged customer to HDFC. Please check all related transactions before 21st November 2012.

The real serious issue which I would like to report to you was the credit card statement dated 14/02/2013

On 19/01/13 there was a Debit of 8566 which was mentioned as a MER EMI, LOAN PRECL,[protected] I called the customer service and asked them for what this amount was charged, none of the customer service representatives where able to give a proper answer on why this was charged and some representatives told me that I had to pay this amount. Isn’t it Misleading the customer, I would request you to track all the calls I made to the customer service. Even some representatives from Grievance Redressal (Level 2 Contact) could not advise me on the credit card statement dated 14/02/2013. This is a very serious service failure on not knowing on how to advise and educate the customer. Finally days later I’ve received a call from a representative, who was able to explain somewhat close to understanding, and later I checked for myself and had it figured out the issue after hours of study it.

In addition to the above issue, on numerous occasions I have requested to close my account and also agreed to clear the outstanding amount. But still my account is not closed and the finance and other charges keep accumulating on the account. Instead what HDFC has done is they had closed the card and reissued me a new card, Another Service failure on the part of the bank. Seriously they are not able to empathize with the customer instead they mislead him.

Unfortunately, the HDFC Customer service/Grievance Redressal has not performed well and the service provided to me was inadequate. I am disappointed because the service was not performed correctly and the problem is still not solved. That is why I’m escalating this issue to you sir. Please look into this issue and I’m looking for a suitable compensation from HDFC Bank for the bad service which has been rendered to me. Also another request I would like to put forth, I want all the charges (Finance, Late and Service tax ,Other charges) to be refunded from November 2012 till May 2013 – I have already spoken to someone from the Grievance Redressal they informed me that they will get back with a solution , but still I have not received a solution, It has been over a month now. Request you to look into this issue, and whatever is remaining outstanding amount after the above requested charges are reversed I’m willing to pay the remaining amount and close my credit card account. I look forward to your reply and a resolution to my problem Please contact me [protected] for any further clarifications on the issue. Thanks


Sincerely,

Dennis Sheldon Hankins
[protected]
hankins.[protected]@gmail.com