HDFC Bank Credit Card — Transaction allowed on over limit on blocked card

Address:

New Delhi, Delhi, 110019

On 19th Aug 2015, I got an SMS, stating that Rs. 6, 114.00 and Rs. 6, 201.00 was charged via M/s FITNESS FIRST INDIA PV NEW DELHI on my HDFC Credit Card. We contacted the Card immediately and the following questions and facts were stated: 1) The card was over limit and blocked 2) It was blocked because we had requested it to be blocked. 3) we had intimated the bank that no further transactions of any kind were to be made on the card due to our incapability of paying up extra funds apart from dues. 4) the Bank/ its calling team never informed us before allowing the transaction on a blocked card. On extra expenses the bank would call and inform that the transaction cannot be processed due to insufficient credit limit, whereas this time, 12305 rupees was allowed to be charged on a blocked card, since it was automated by some random club? This too right around the same time we paid off our dues to the credit card? After several calls and emails, On Sep 10th ( e-mail: [protected]) i got a reply back from the Bank stating that we needed to provide cancellation of Club Membership copies to the Bank. The problem with the demand was that the Fitness Club had taken a hand written termination application and had not intimidated its Gurgaon Finance Branch. On request FFP was trying to sell us another month of membership instead of monetary refunds which we refused. Since we havnt been availing the club membership since Feb of 2015, we refused to pay to FFP the amount for which the bank/ we were charged. We had also written emails for transfers and closures later to the club which were always replied to as kindly pay off your dues first. Obviously we didn't since it was fault at their end that there was no coordination between their Saket and Gurgaon branches. Our main motive was to pay off our dues and close the card. Which we had informed the Bank. But we suppose they thought, its a big amount so lets just bleed the customer of some more interest, which they from our past records knew we were being unable to pay. Since HDFC allowed a transaction to happen on a blocked over limit card, we are unable to do so. What they failed to anticipate was that we already had the amount due ready to close to card. We are forced to bear with this disputed amount without it being our fault. Please do something about it. This is harassment.