HDFC Bank Bank Credit Card — misguidance to get minimum payment for my credit card due

Dear team,

I have written earlier few months before complaining about the credit card team harassing me in whatsapp. (Thats for missing payment for a month)

In dec '19 - i couldnt do the payment because of personal reasons and health issues im going through - what ever salary i get goes by 5th of every month on loans and paying interests - left with nothing to survive (You can check my account statements).in this situation i asked the deputy manager - chennai branch (Mr. Manivannan r - and his mobile # [protected]). To arrange for a settlement and close this credit card, which he agreed if i pay that months minimum due - i clearing informed him that i can not continue paying this minimum amounts as its never ending and my overall due is growing endless. He agreed to arrange for the settlement - so i paid about 13 thousand on 31st jan 2020 hoping for the settlement to happen. But there was no update, instead the cc teams harrasment started again from last month. I explained to each and every representative the situation but no use - they were more like machines than humans.


Instead - my salary account is blocked and showing negative balance of -17k, i was not able to access even those few rupees which was left for my survival. I was put into embarrassment when i swiped by card last night in the super marker and i have return the food items bought. Today morning - the collection team had went to my old chennai address in the early hours (About 7am) where i dont stay anymore since i moved to bangalore and informing about my payment due to my relatives - can there be any more disgrace the bank can do to the customers than these??? I called mr. Manivannan - there is no response and called the credit card customer care and logged compliant as well (Reference # [protected])

I'm already going through stress and metal depression - can share my medical records if required. Im on medication and severe financial crisis for last one year. I can not handle this situation anymore and this email will hold as evidence for further investigations. If the bank continues to harass me - i may have to take actions for which the hdfc bank and credit card collections team will be responsible.

I want my salary account to be released and need a settlement and time to close my credit card.
Don't want any calls anymore from the cc team - if possible put me to do not call list and they can not whatsapp me (Please refer my earlier complaint on this) or visit my relatives home.

Would request you to take care of my concern and to take actions on the teams who were misleading me.