HDFC Bank — Credit Card blocked after paying my minimum dues | |||||
Hi, My credit card number is xxxx xxxx xxxx 2462. It's been month I'm struggling with very unprofessional HDFC Credit Card department Team. My issue is, I had to pay my minimum payment of 19000 in April 2016 and as suggested by their field executive I paid 10000 in April 2016 and the field executive told me, now we have received minimum amount of May 2016 payment as well. And your card is temporarily blocked and if you paid the rest minimum amount card will be unblocked. But After paying 10000 amount credit card team has put lien on my a/c on May 1, 2016 (but why). And In May they put my whole salary 19000 (HDFC is my salary a/c) on hold due to lien. And they deducted the entire amount 19000 on 18th May 2016. And after that, they blocked my card permanently. I logged complaint many times (HBL=[protected]APW[protected]MP) ([protected]) ([protected]). Sent complaint mails to id [protected]@hdfcbank.com. But I'm getting call from only one number[protected] and all the responses are same. Yesterday, In resolution of my complaint ticket, I got a call from their credit card team and a lady executive said me these line "You have made your minimum payment 10000 in April 2016 however, your minimum payment was 19000 but your card is not blocked due to this reason, it's blocked because bank wanted to block my card and they can do this with whoever they want because, it’s a bank property"(HOW CAN THEY SAY THESE KIND OF LINE WITH THEIR CLIENTS). And here is the call date and time details, June 1, 2016 - 3:49 PM. The call was recorded and you can listen these lines many times from her. I PAID MY MINIMUM DUES, THEN THEY PUT LIEN TO MY A/C, THEN THEY DEDUCTED MY WHOLE SALARY AND THEY BLOCKED MY CARD PERMANENTLY. Please look into my issue and let me know if any details required from me. My email id is "deepaksharma.[protected]@gmail.com" Regards, Deepak Was this information helpful? | |||||
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HDFC Bank customer support has been notified about the posted complaint. | |||||
 4 Comments | |||||
Comments
[protected] Forwarded message[protected]
From: "RPMC Senior Management"
Date: Jun 10, 2016 8:10 PM
Subject: RE:'HBL=[protected]' Credit Card complaint addressed to Sr. Mgmt. team
To: "deepaksharma.[protected]@gmail.com"
Cc:
Dear Mr. Sharma,
This is in continuation to our interim response dated 6.6.2016 regarding your HDFC Bank credit card account number[protected]XXXXXX2462.
Our records indicate that we were not in receipt of complete payments towards the outstanding dues. Owing to continued nonpayment/irregular payments, late payment charges and finance charges were levied to your card account. Please refer to our cardmember agreement which clarifies that nonpayment of card dues may render the cardmember liable to the risk of cardmembership withdrawal instantly . The outstanding balance on your card account stands payable immediately to the Bank on invalidation. In the absence of a positive revert / payment being received, the lien has been placed on your bank account.
We invite your attention to our cardmember agreement. It is clearly mentioned that the Bank, at any time and without notice, will have the right of lien and set off on all collateral's belonging to the cardmember. Collateral's, being any amount standing to their credit in any account whatsoever with the bank or in possession or custody of the bank. Accordingly, lien was placed by the bank and an appropriate notice had been sent to your mailing address as per the bank records. In the absence of a positive revert/payment, we wish to state that the Bank would be constrained to invoke the lien placed on your bank account. In view of the same, lien of Rs. 19, 709.00 has been claimed from your Savings Bank account and credited to your card account dated 18.05.2016.
We confirm that the above card account has been invalidated from further usage. Further we wish to confirm that as on date there is outstanding of Rs. 68, 273.93 dues pending on your card account post the aforesaid lien payment and request to effect immediate payment to avoid levy of further charges.
Specific to your query on card reinstatement, we regret to accede your request for the same.
In the event you seek any further assistance / clarification with regard to your credit card, please feel free to call our Bank representatives at:[protected]/66668102 or write to us at: PriorityRedressalRPM.[protected]@hdfcbank.com and we shall be glad to assist 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 www.hdfcbank.com for details of the Banking Ombudsman Scheme – 2006.
Kindly note the query reference number for this correspondence is [protected].
Assuring you of our best attention at all times.
Regards,
Rajeshwari
Deputy Vice President
Retail Portfolio Management - Credit Cards
________________________________________________________________________________...⇄
Disclaimer:
"The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013. "
From: "RPMC Senior Management"
Date: Jun 10, 2016 8:10 PM
Subject: RE:'HBL=[protected]' Credit Card complaint addressed to Sr. Mgmt. team
To: "deepaksharma.[protected]@gmail.com"
Cc:
Dear Mr. Sharma,
This is in continuation to our interim response dated 6.6.2016 regarding your HDFC Bank credit card account number[protected]XXXXXX2462.
Our records indicate that we were not in receipt of complete payments towards the outstanding dues. Owing to continued nonpayment/irregular payments, late payment charges and finance charges were levied to your card account. Please refer to our cardmember agreement which clarifies that nonpayment of card dues may render the cardmember liable to the risk of cardmembership withdrawal instantly . The outstanding balance on your card account stands payable immediately to the Bank on invalidation. In the absence of a positive revert / payment being received, the lien has been placed on your bank account.
We invite your attention to our cardmember agreement. It is clearly mentioned that the Bank, at any time and without notice, will have the right of lien and set off on all collateral's belonging to the cardmember. Collateral's, being any amount standing to their credit in any account whatsoever with the bank or in possession or custody of the bank. Accordingly, lien was placed by the bank and an appropriate notice had been sent to your mailing address as per the bank records. In the absence of a positive revert/payment, we wish to state that the Bank would be constrained to invoke the lien placed on your bank account. In view of the same, lien of Rs. 19, 709.00 has been claimed from your Savings Bank account and credited to your card account dated 18.05.2016.
We confirm that the above card account has been invalidated from further usage. Further we wish to confirm that as on date there is outstanding of Rs. 68, 273.93 dues pending on your card account post the aforesaid lien payment and request to effect immediate payment to avoid levy of further charges.
Specific to your query on card reinstatement, we regret to accede your request for the same.
In the event you seek any further assistance / clarification with regard to your credit card, please feel free to call our Bank representatives at:[protected]/66668102 or write to us at: PriorityRedressalRPM.[protected]@hdfcbank.com and we shall be glad to assist 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 www.hdfcbank.com for details of the Banking Ombudsman Scheme – 2006.
Kindly note the query reference number for this correspondence is [protected].
Assuring you of our best attention at all times.
Regards,
Rajeshwari
Deputy Vice President
Retail Portfolio Management - Credit Cards
________________________________________________________________________________...⇄
Disclaimer:
"The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013. "
[protected] Forwarded message[protected]
From: "Deepak Sharma"
Date: Jun 2, 2016 9:13 AM
Subject: Fwd: 'HBL=[protected]' Credit Card complaint addressed to Sr. Mgmt. team
To:
Cc:
Hi Sir,
I need your intervention to my credit card issue, I want it to be escalated. It's been weeks and still my issue is not resolved. I'm getting called by same people with same response. Yesterday a lady executive called me by number [protected] and in resolution she told me "you have made your minimum payment 10000 amount and your minimum payment was 19000 but your card is not blocked due to this, it's blocked because bank wanted to block my card and they can do this with who ever they want, because card is bank's property. WHAT IS THE MEAN OF THIS LINE.
IF MY CARD IS NOT BLOCKED DUE TO NOT PAYING MY MINIMUM PAYMENT BECAUSE I'VE ALREADY PAID IT. THEN HOW CAN BANK BLOCK MY CARD.
You can listen my yesterday's call record (June 1, 2015 - 03:49 pm) and you will hear these line many times by the executive.
Regards,
Deepak
From: "Deepak Sharma"
Date: Jun 2, 2016 9:13 AM
Subject: Fwd: 'HBL=[protected]' Credit Card complaint addressed to Sr. Mgmt. team
To:
Cc:
Hi Sir,
I need your intervention to my credit card issue, I want it to be escalated. It's been weeks and still my issue is not resolved. I'm getting called by same people with same response. Yesterday a lady executive called me by number [protected] and in resolution she told me "you have made your minimum payment 10000 amount and your minimum payment was 19000 but your card is not blocked due to this, it's blocked because bank wanted to block my card and they can do this with who ever they want, because card is bank's property. WHAT IS THE MEAN OF THIS LINE.
IF MY CARD IS NOT BLOCKED DUE TO NOT PAYING MY MINIMUM PAYMENT BECAUSE I'VE ALREADY PAID IT. THEN HOW CAN BANK BLOCK MY CARD.
You can listen my yesterday's call record (June 1, 2015 - 03:49 pm) and you will hear these line many times by the executive.
Regards,
Deepak
Hi Consumer Complaints Team,
Please see the above reply as I told you this is their 7 or 8th reply and every word are same in all the mails they are not escalating my issue on next level. I sent mail to their managing director email ID but they all are bliend, deaf and i think illiterate also.
Even you can now see the difference of their reply, what I'm asking & what they are replying. I've sent the mail to their managing director email ID & then they have sent the above reply. This how the pathetic HDFC Bank behave with their clients.
Regards,
Deepak
Please see the above reply as I told you this is their 7 or 8th reply and every word are same in all the mails they are not escalating my issue on next level. I sent mail to their managing director email ID but they all are bliend, deaf and i think illiterate also.
Even you can now see the difference of their reply, what I'm asking & what they are replying. I've sent the mail to their managing director email ID & then they have sent the above reply. This how the pathetic HDFC Bank behave with their clients.
Regards,
Deepak
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This is with reference to your concerns raised regarding your credit card account. In this regard, you may look forward to receive a response on your recorded email ID. In the event you seek any further clarification regarding your card account, please feel free to write to us at: [protected]@hdfcbank.com. Kindly note the query reference number for this correspondence is [protected]/[protected].
-Anay
HDFC Bank Customer Assistance