[Resolved]  HDFC Bank — debit card

Address:

A-7,Bharat Apartments, Near Surya Vihar,Rajgarh Road, Solan, Himachal Pradesh, A-7,Bharat Apartments, Solan, Himachal Pradesh, 173212

Dear sir/ma'am

In july 2019 (22nd july 2019, 24th july 2019), i filed a online written complaint for not getting replacement of debit card on their website. My debit card was valid upto 04/18.
25th july 2019, i filed complaint on hdfc mail ids. On july 26th 2019, i had received call from branch manager-hdfc bank. I am very surprised when he told me that hdfc bank has already issued me two debit cards and also replacement of my expired card has been shown in system.. Fact is that only one card has been issued by hdfc bank to me. He told me that replacement has also been given. He said it had been dispatched but he doesn’t know why it has not been delivered. I asked him about dispatch and receipt detail but he has no reply.
Secondly branch manager accepted that it’s their responsibility to inform customer in advance about expiry of card and as per system.
On july 30, 2019 i received one more mail from branch manager in which he regretted and mentioned that branch has started internal investigation behind non issuance / delivery of debit card before expiry date and ensured to respond within 7 days but no reply.

After reminder, on 1st august 2019 he sent me reply that as per their records renewal card has got delivered in the month of mar'18 through courier and my father has received the same and expiry of new card is year 2023. Just he read my father’s name from my address mentioned in my account and made story like this.

Anyhow i asked him to send me the scanned copy of receipt, he has nothing to share but i have not received any response.
After reminders, i have received call from branch manager on 23rd august 2019. Same day he again called me around 2.30 pm and asked me that senior executive from md office (Corporate) is there and she also wants to be part of telecon. She listened and asked me about whole complaint. She asked me to send her screenshot proof for expired debit card as being shown as active in account.
Main issues are:
• in their feedback, hdfc bank always claims to respond within two days but they didnt give even a single response for online complaints (Their website).

• some months back i went to other city and use my debit card but unable to use it. I had to borrow money from my family friend. If in other state, i had no option to get money, then who was responsible for the consequences which i had to bear (Specially being woman customer) due to bank irresponsible approach and system failure

• my debit card was valid upto 04/18. If it is expired how it is active till date.

• as per hdfc bank, two debit cards had been issued in my name. Where is second card? If really hdfc bank has issued second card and if some other person is misusing second card then who is responsible?

• if system is there for automatic replacement of debit card before expiry of three months, then why system got failed.

• bank charge heavy amount for services and least concerned about customer who are paying to bank.

• if during telecon on 26th july 2019, branch manager-hdfc bank had no detail of dispatch then how all of a sudden, he was so sure about dispatch detail on 1st august 2019 (Mail)

• if bank claims that they had issued replacement of card then why don’t they share dispatch detail? Only fake evidences and information.

• mails communicated to md and other but all hv taken matter lightly.

Due to such banks only customers cry later on like customers of pmc bank/yes bank/pnb bank and so many such banks.

I request you to look into this matter and because of irresponsible /unprofessional and unethical behavior /lack of system transparency/fake and manipulated statements/deficient service to resolve issues, it is most respectfully prayed that honorable authorities direct the bank to pay damages for not providing replacement of debit cum atm card till date and mental harassment /agony and cheating the customer as per consumer protection act 1986 amendment 2019.

I have all records available as proof. (Pls ignore complaint no [protected].. Without attachment)

Thanks/regards,
Ritu sareen
([protected])