[Resolved]  HDFC Bank Credit Card — not closing my credit card account-reg.

Address:

Hyderabad, Andhra Pradesh, 500079

Dt. 16th feb, 2019.

From:
P. Ravinder,
Plot no.49, vijaya homes,
Jillelguda, balapur mandal,
Hyderabad city-500079.
Mobile no. [protected].

To

https://www.consumercomplaints.in

Sir,

Sub: —
Cancellation/closure of my credit card no. [protected]
Credit card department not cancelling my credit card not giving
Noc, though i am ready to pay the total outstanding due amount
Of rs. 12, 552/- the department is playing mischief, fraud and cheating
Against me-reg.

1. I am practicing advocate in and around hyderabad city in all courts having 20 years experience. I have been using the hdfc credit card since long time.in the beginning there was no problem. But recently, the credit card department is doing mischiefs, frauds and cheating. Hence, i got disgusted and frustrated with their attitude and decided to close the above said credit card. The reasons for closing the credit cards are detailed as follows:

A). The credit card department have debited a sum of rs. 1899/- on 11th sept, 2018 from my credit card account without informing me for one assist (Insurance for all credit cards and debit cards). They have activated auto renewal system without informing me. And after several requests, they have deactivated the auto renewal system and they have refunded the above amount of rs.1899/- to my credit card account on 4th october, 2018.

B). The credit card department usually send the e-bill of my credit card monthly statement details to my email id regularly. Whenever i try to open e-bill by entering the password it will not open. I made some 10 to 15 complaints to the department regarding the above issue. Every time they are patching up the issue by pacifying me but they are not rectifying the above said problem permanently. I also requested them to atleast send the e-bill to my email id without any password locking. But even for that also they did not responded and said that there is no such facility. The department intention is to put me in dark so that i ignore to see the credit card statement. The department would add several types of interests and charges and levies to escalate the debt. Usually, the interest amount in credit card will be monthly compoundable. Thus, within a sort period the debt will be doubled.

C) there will not be any head office nor any branch office/s of credit card department in the city. Thus, i could not even meet them personally to collect the credit card account statement or to explain my grievance.

D) when i have any clarifications or doubts i usually make call to[protected] to the customer care number through ivr system. This system is very cumbersome and disgusting. I could not get the representative so easily. Sometimes i will get the contact of the representative with great difficulty after trying for 5 minutes, but suddenly it will disconnect. Again i have to make call.in this process i am losing about 15 to 20 minutes every time. As i am a practicing advocate, i cannot spare much time for ivr calls. Hence, i requested the personnel to give me direct number (Non ivr). But they did not gave me any direct number.

(E) on 16th oct, 2018, i called the customer care no.[protected] at 6.50 pm to clarify my credit card account details. As per the representative of credit card, my outstanding balance was rs. 12, 223/-. I have sent a letter through regd post on the same day i. E. 16th oct, 2018 to the credit card department, chennai informing that i was ready to pay the above said amount of rs. 12, 223/- with a condition that they should give me a confirmation to my email stating that the account of credit card is closed and there are no dues or claims pending against me relating to the credit card subject to payment of due amount. But till now they have not replied to my letter not sent me any confirmation that they are closing my account. Later when i called them on customer care the representative told me that my account was closed. But surprisingly since 3 to 4 days the people from collection department was calling me repeatedly over phone and insisting me to pay either the minimum due amount of rs. 1200/- or the total outstanding due amount of rs. 12, 552/-. I told them i am ready to pay the outstanding due amount of rs. 12, 552/- and asked them to give me noc. I even went to the hdfc credit card settlement department at maruthi next building, opp: secretariat, hyderabad, 5 and 6th floors on 15th feb, 2019. I tried to contact the concerned manager. But the receptionist and other staff members are not allowing me to meet the concerned manager and advised me to contact customer care people. The collection department and the settlement department are playing football with me by advising me to contact each other vice versa. To avoid continuous calls to me and having no other way i have paid rs. 1200/- minimum due amount to the credit card account in hdfc bank, saleemnagar branch on 16th feb, 2019. Simulatneouly i closed even my bank account of saleemnagar branch on the same day i. E. 16th feb, 2019.

2. By the above acts, it is crystal clear that the hdfc credit card department is resorting to all types of mischiefs, frauds and cheating with me. Being a senior advocate, i could not tackle the atrocities of credit card personnel. Then what will be the fate of general and gullible persons. The credit card department appoint persons of criminal nature and rude behavior to extract the monies from the general public at any cost. They play all cheap tricks and gimmicks. Because of the fraudulent nature of the credit card department, the good will of the bank is damaging. Because of the attitude of the credit card department against me, i have to close even my bank account bearing no. [protected]. I am having good credibility and credit score in the bank and cibil.

3. First of all they offer to allot credit card in a pleasing way. Later they will put all types of interests and charges, levies etc. And when it comes for the collection stage they will apply all types of pressures on the gullible people. The collection and recovery department are very rude and cruel and they know how to extract money either by hook or crook and suck the blood of the people. It is much advised to put some regulatory authority of central government for all the credit card departments to control, regulate and monitor the atrocities and over action of the credit card departments.

Hence, i request your goodself to take action against the hdfc credit card department and see that justice is done to the general people.

— p. Ravinder, l. B. Nagar, hyderabad.
Mobile no. [protected].