I understand this is a big mail but to understand how hdfc credit card collection department abuses a customer financially and also psychologically.
Regarding my last emi of credit card settlements, i received a text message from hdfc providing their chennai phone number to reach out to since i didn't picked the call (Please note only one time they have called me and no call back after that). However, i was trying for the last 48 hours to connect, still the number is not responded or picked up. But receiving messages continuously mentioning am not picking up the call.
And about the issue, i am using hdfc credit card for last 5 years and i have paid two time more than what i swiped by my cc in the name of minimum due. So in lieu of that i was requesting the cc department to assist me with arranging for a settlement process (Remaining balance was 30k) from july 2017. But the collection agency and the some collection department representative was very rude pretending not to do so.
I was on a complete frustration, and one day july one representative used some abusive and filthy language who was forcing me to pay only the minimum amount due for the rest of the tenure not to go with the settlement process. With this utterly bad experience i have reached out to the senior persons and informed them that (Since, i have all the call recordings) going to file complaint with the banking ombudsman and media protocol (Just a courtesy to inform complaining before complaining about them). After all this mess finally they have accepted to do the settlements along with removal of my late payment records from july which is due to their behavior on april 2018.
But till now my credit report was not updated as they assured with no late payment records after july 2017. Hence, i hold the last emi of the settlements and requesting the credit card representatives for an appointment to explain about the issues.
Though this is a prolong issue the collection agency peoples not allowing to connect with the bank officials. And now they have hold my bank account which has 39k in it. Even if i want to pay the last emi of the settlement, it is not possible practically.
Atlast now they are picking call and claiming that my settlement process got invalid and i have to pay the total 47k now to unblock my acoount. Please note i didn't received any information about my settlement being revoked. They are very rude while conveying this and telling to do whatever i want.
Complaint number is [protected]
Yes, am finally forced to share all the data and call recording which i have with me to the banking ombudsman and to the media protocol to unveil how rude and worst the collection department works. But still the 5 year long relationship with a bank which am using from my first job holding me to do so. Hence am giving a final try hoping that you can at least look into this matter and if possible to take any action on this.
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