[Resolved]  HDFC Bank — Charges on my card 4854 XXXX 001X 0xx8 even after final payment and closure

Address:

560077

I have already made full and final payment of the card outstanding amount way back in year 09/2014, and also requested for card closure. But to my surprise, i see that there is an outstanding amount for this card amounting to rs 2809.

I came to know about is as i see that my cibil score is affected due to an outstanding of this amount to hdfc.
When contacted hdfc customer support they were unable to pull out the records as card is suspended status and transaction dated long back.
They arranged for call back, person who called abck after 2 days insisted the charges were valid and i have to make payment, how absurd is that.

Even after closure of my card, they keep adding late charges and then tell me to pay up, and also complain to cibil so that my credit history reflect bad.

This is ideal example where this bank is making illegal use of the cibil facility.

I have 2-3 other cards and evey month i spend around 50 to 60k, and no dues are reflected in this card. Even if there is a 1 or 2 delay in payment i get prompt reversal of the charges. (Unlike this hdfc bank.)

They do not have a greviance redressal cell, its all customer support for every number you dial.
Also in hdfc website 66224332 is given as greviance cell number, it is customer pin reset number.

Can anyone call me from hdfc at [protected] to resolve this issue and make my cibil score better.

Asif