[Resolved]  HDFC Bank Bank – Credit Card — HDFC Titanium MasterCard – Credit Card Final Settlement Issue

Dear Sir/Madam,
I had HDFC Credit Card which I was using past 4 years. I was using the credit card properly. Past one year, I could not pay the full amount within the credit period of 50 days. Hence, I was paying only the minimum due every month. So, my outstanding balance increased due to the interest which I could not afford and pay. Hence, we decided to close the credit card and we were planning to convert as EMI.

Credit Card Number: [protected]

We tried to contact the person regarding the issue. But, we could not find anyone to speak about settlement of credit card balance and we got frustrated. We don’t want to hold the credit card and wanted to close it. We were contacting customer service continuously. We advised us to come to Thiruvanmiyur, Chennai as the card hold an account with the Chennai branch. We stepped into HDFC Branch, E-City. The manager advised us to meet HDFC Bank – Credit Card Branch, Richmond Road Office at Bangalore. We went to the Richmond Road office and waited there more than 4 hours and could not find anyone to speak. We got irritated and step out from the office. We could not wait more than 4 hours as we came from very long distance.
After 2 weeks, they called us and told us to pay the minimum due but we wanted to close the credit card. After 2 days, Customer service of HDFC Bank pressured me to pay only the minimum balance due. They didn’t advise the proper procedure to close the credit card. Again, they called and told me that they will pass the call to their manager. Then, I spoke with the employee (Emp. No. V1064 – Vijayalakshmi – [protected]) from HDFC Credit Card Branch, Richmond Road, Bangalore and then she advised me to settle the payment and asked me to continue the credit card.
I wanted to close the credit card. But, they always insist me to keep the credit card (I don’t know the stupid reason for this). I was adamant that wanted to close the credit card. Finally, she suggested me to covert the outstanding balance Rs. 46482 as EIGHT EMIs. I agreed the same and paid the amount as follows.

Date Amount Mode Cheque No.
20/10/2012 4980 CASH -
15/11/2012 5928 CHEQUE 195426, HDFC Bank, KH Road, Bangalore
15/12/2012 5929 CHEQUE 195427, HDFC Bank, KH Road, Bangalore
15/01/2013 5929 CHEQUE 195428, HDFC Bank, KH Road, Bangalore
15/02/2013 5929 CHEQUE 195429, HDFC Bank, KH Road, Bangalore
15/03/2013 5929 CHEQUE 195430, HDFC Bank, KH Road, Bangalore
15/04/2013 5929 CHEQUE 195431, HDFC Bank, KH Road, Bangalore
15/05/2013 5929 CHEQUE 195432, HDFC Bank, KH Road, Bangalore
After issuing the checked, I was asked the proof. She gave me the reference letter dated on 25th October, 2012 and the Reference number is S1189639 which is duly signed by the P.B. Santhosh Kumar (Employee Code S4681)
She also clearly mentioned, Once all the cheques have been cleared then my outstanding balance would be zero.
Now, I have received the statement on 17th May 2013 which has the outstanding balance of Rs 22014. I have paid all the amount till date but these are sending wrong statements.
So I have the below concerns,
1. Why she is giving the fraud statement?
2. What is the purpose of paying all the outstanding amount through EMI?
3. Why should I pay new balance as I cleared the entire (outstanding) amount through 8 EMIs till May 2013 ?
4. What kind of legal action can we taken for this?
FYI, Credit Card expired on April 2013. I was not using this card for last 8 months .
Thank you.

Note: I have attached all the scan copy documents and Please let me if you could need other details.
Kind Regards,
Arunbhaskar R
+[protected]