[Resolved]  HDFC Bank — Credit card charges wrongly levied

Address:

380015

November 2012 - i had been offered hdfc bank credit card. The executive told me during while offering the card that it is life time free. She even mentioned that there are some one time charges but those charges will get reversed because you get some welcome reward points on the first swipe. Under this misguidance (Or false promise) i took the credit card. I had been regular in paying the dues.

March 2013 - i was surprised to note that charges of rs. 1122 were debited to my statement.

April 2013 - i called the customer care and spoke to arpita regarding the false promises with which the card was offered and requested if something can be done. Arpita affirmed that charges shall be waived and she asked to send a mail to grievance redressal cell regarding the false promise and alleged fraud. As advised, i sent the mail to the grievance redressal cell stating all the facts and requesting the waiver. Also, i mentioned that i don’t want to continue with the credit card if such charges were to be paid with the card. The grievance redressal cell replied to my mail that the charges cannot be waived. I then requested to cancel the card and paid all the dues in relation to the purchases made by me excluding the charges.

Till date no action is taken by hdfc bank on the front of settling this issue. I keep getting payment reminders from hdfc bank. The worse part is that i have also received a legal notice which is threatening to report the matter to cibil. This is seriously appalling, that also from hdfc bank. I have also received calls from hdfc bank for payment of the entire amount due along with late payment charges and interest (Which has now increased to rs. 7940). I have always asked them for settlement to avoid this harassment. But no settlement has been offered to me till date.

I am happy to meet personally and explain the matter to the concerned officer of hdfc bank. I have all the mail communications in place for reference. I would expect a speedy solution, as this is a critical matter for me.

Thanks,
Kaushali