[Resolved]  HDFC Bank — deduction of 38961 inr without any prior notice due to fraud transaction happened during january 2017

Website:

www.hdfcbank.com

Hi bank,

I am sunil sharma and have been using hdfc bank card since june 2013 and using credit card since 2013.

I am writing this mail with deep regret of taking the decision to open a bank account in hdfc (Salary account).
This decision has taken me through mental torture and harassment because of following fraud trasnaction that has happened from my credit card as mentioned below.

"three charges of rs. 10468.75, 5312.50 and 5312.50 on 12-jan-2017 at m/s nepal sbi bank/nsbl, bhairbhairahawa np and[protected]/sewa bikas bkathmandu np".

Above mentioned transaction has happened without my knowledge and which has led me to metal torture from last 11 months. I have made a very wrong decision o[censored]sing your credit card in nepal in one of the location which has caused all this where my card was cloned.
Following transaction i have done in one of the restaurant in nepal which is only transaction and i strongly believe that these restaurant people have only cloned my credit card and made transaction of rs. 10468.75, 5312.50 and 5312.50 respectively.
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I have been following up with hdfc for the above mentioned issue since last 8 months but i did not get any proper help from hdfc and everyone month i was told to pay minimum due amount despite of the fact that late fee and extra charges were getting pilled up due to above issue and i was also told that once my issue is resolved all my extra interest amount and let fee charges will be waived off.

I have stopped using my card after knowing this fraud transaction that has happened from my account.
Finally on august after getting multiple calls from hdfc collection department and credit card team i was told to clear the amount which i have actually used, so did the same and cleared my amount except the fraud transaction amount and extra charges which were applied.
On 18th august 2017 i have cleared the amount which i have actually used.

Now at this point i was in assumption that i have cleared all the amount which i have used on.

After clearing the amount as well i was kept on getting multiple calls which has led me to depression and mental torture and affected my personal and professional life as well as i was tired of explaining same thing everytime to hdfc people.
So from september till december i used to get calls from hdfc and after explaining everything they used to cut the call saying "ok".

Finally on 16th december i got a message that 38961 has been deducted from my account and i was literally in shock to see that and immediately called customer care but no use, i called my personal banker asking for resolution but no use, she had no idea whatsoever she had forwarded the call to her manager who has tried giving bogus reason for the justification of above transactions.

Important :

Now in brief three transactions of rs. 10468.75, 5312.50 and 5312.50 on 12-jan-2017 at m/s nepal sbi bank/nsbl, bhairbhairahawa np and[protected]/sewa bikas bkathmandu np has happened from my account and bank has charged me 38961 inr which any intimation and calls or mails, following is the sms that i have received.

"inr 38, 961.73 dr to a/c no xx4334 towards fund trf dm-489377xxxxxx0506 val 16-dec-17. Clr bal inr xxxxxxx"

Being a loyal prime customer of hdfc this is how hdfc treat there customers, i have been using hdfc from last 4 hours and using credit card services fro more than 3 years and never had any issue and always made my payments on time and respected hdfc a lot.
After all this loyality and faith hdfc has disappointed me by deducting an amount of rs 38961.

I understand that bank is not fully responsible for the fraud transaction but charging fee and extra amount on that fraud transaction is not at all acceptable and very unethical behavior from hdfc.

I request you reverse my amount which was deducted from my account otherwise i will take this case to social media and file a complaint against hdfc for the mental torture and harassment that i had to go through during all the phase along with the deduction of 38961.

I ready to bear some amount fraud transaction and want extra charges to be fully waived off as that is something hdfc has charged instead of helping your loyal prime customer.

Looking for a positive response.

Customer id : 52364082
Name : sunil sharma
Hdfc bank account: [protected]

Regards,
Sunil