HDFC Bank — Complaint against HDFC BANK and Country club cheating

Dear Grievance cell,

This is Balaji and I stay in Thavarekere, Bangalore. On 30th Dec 2014, I got a call from Contry club saying you are eligible for the worth of 25,
out of 50, 000 candiates and they have asked me to come and collect the same at Sarjapur, Country club office, Bangalore.
I went their at evening 6:30pm and they wanted to show some tour packages and club membership as a bonus gift for HDFC BANK Customers for 30 minutes.

After validating the hdfc association tie up with Country club from my side by some proofs that they shown to me,
the sales representative Mr.Sundar ([protected]) promised the below things as a additional gift as per the below details upon paying Rs.1Lakh

* Free 7 days & 6 nights all over the world every year for up to 8 person without any yearly due
* Interest free installments for up to 48 months for credit card payment of mine Rs.1.Lakh
* Free Gym
* Free Swimming pool
* Free Spa
* Free Function Halls
* Free Kids summer camp
* Free Kids karate classes
* Free Passes for Events like (New year celebrations, X-mas etc)
* Free Car facility for Site seeing places
* Customer can cancel membership at anytime after 6 months

and when i agreed to go for the 48 EMI option, immediately the country club sales person swiped my hdfc bank credit card for Rs.50, 000 initially. Then immediately I got a call
from hdfc bank asking for enhancement limit to 1.5 Lakhs on the same day (30.12.2015), I enquired about country club details to hdfc bank and they said EMI option
is there and country club is listed in their merchant list. After the confirmation they had to increased the swipe limit to 1.5 lakhs. Then immediately the country club
sales person swiped for another 2 transactions of Rs.34, 000 and Rs.16000. When I asked immediately about the instance EMI option, the sales person told me that the EMI procedure will
take 2 to 3 working days time to process and he got me EMI forms and one more agreement immediately to sign on it forcefully without giving me ample time to read through it by saying that
this offer is valid only for today upon signing it.

When I called the representative on the next day, he says he is busy and in meeting and started avoiding my calls. When I contact to country club customer care people they
told there is no such offer. After reading lot of consumer complaints and fraud schemes about country club in the internet in the following links[protected]

and still more, I realized it is the fraud scheme business doing by HDFC bank and Country club combiningly, I had raised the transaction dispute on the very next day
to HDFC bank and sent the cancellation letter to country club customer care people by mail and speed post within 10 days as per their cancellation procedure
(AIRDA norms).

But hdfc bank closed my dispute by favouring to the fraud merchant country club and at the same time there is no cancellation response from country club.
Below are the response i got from bank and country club

Response from bank

Dear Mr.Balaji,

This is in continuation to our response dated 21 February 2015 regarding your HDFC Bank credit card account.

We are fully sensitised to your concerns expressed and taking complete note of the same, we had once again taken a detailed review of your card account. We wish to reiterate that the three transactions for Rs.50, 000.00, Rs.34, 000.00 and Rs.16, 000.00 incurred at M/s.Country Vactions on 30/12/2014 were on a card present environment. In view of the above, the transactions remain payable by you.

Please feel free to contact our phone banking officers at :[protected]
or write to us at : PriorityRedressal.[protected] for any further clarification/assistance that you may require with regard to your credit card and we shall respond to you.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are also required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India); in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website for details of the Banking Ombudsman Scheme – 2006.

Kindly note the query reference number for this correspondence is [protected].

Assuring you of our best services at all times.


Bhargav K
Manager - Correspondence ( PNO Desk)

Response from country club

"This is to inform you that All Country Vacation memberships (party paid or full paid) is non refundable under any circumstances once the purchase is made.
This is clearly mentioned in the agreement form that has been signed by both parties.However a membership can be transferred, gifted or sold through your own contacts.
Country Vacations does not sell or assist in terms of contacts.For further assistance please contact[protected]/301".

But there are many cases hdfc bank has refunded to the customer's favour. Few of my friends got the refund from other bank by raising the dispute
and some of them got from hdfc bank also. I had even attached all the bank reference numbers to hdfc bank for the verification, but still they have rejected
my dispute and favoured the merchant.

My membership details
Email Id: [protected]
Phone number : [protected]
Membership Id: CVBG1CLUB5LB191308

Because of the false promises made by them like 48 EMI with 0% interest and life time membership and vacation trip with no further dues, i am mental torture now.

I have sent all the cancellation letter mails by post and by mail to them.

So Please assist me in cancelling the membership and get my money Rs.1.Lakh back.

My contact number - [protected]

Note: Attached files are the delivery report of cancellation letter which i sent to country club


Complaint against HDFC BANK and Country club cheating
Complaint against HDFC BANK and Country club cheating
Complaint against HDFC BANK and Country club cheating
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Dear Member,
Good Morning! We have gone through your queries and understood that you have been not given full information. We are sending more than 2000 members every month for holidays across our properties and exchange partner properties. Yearly approx. we are sending more than 30000 members and more than 1 lakh room nights are allotted to members.

I am sure you have taken membership to enjoy holidays and clubbing facilities along with your kids. Please be rest assure that we will provide you best of our services as per the membership scheme taken and membership form signed by yourself.
Download our Android & iOS based Country Club App from Google Play store for real time bookings and information about our events along with all properties details across the globe. Click below link

One more Information we would like to give you that we have now our presence in Malaysia and you can opt for a holiday there too.

For further any queries please login to our below mentioned portal link and give your complete membership details.
You can also reach us on below numbers and e-mail Ids
For Country Club Membership call us on:[protected]
E-mail Us On : [protected]

For Country Vacations membership call us on:[protected]/67484444
E-mail Us On: [protected]
Kindly click or copy and paste the link to browser and give your details of your membership

Best Regards,
Response Team.
Country Club Hospitality and Holidays

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