[Resolved] HDFC Bank — fraud of hdfc bank branch

antara1992

from Pune, Maharashtra

Address:

9/2, Kalpataru Gardens, Boat Club Road, Pune, Maharashtra, 411001

Dear Sir,
I am very surprised with the my recent horrible experience with HDFC Bank, especially with 9/2, Kalpataru Gardens, Pune, Branch.
It is happened as:
1) My salary Bank a/c no. [protected], transferred from Whitefield Main Road, Bangalore-560066
to Pune branch on shifting of new employer, “Selling Simplified” on 26.10.2017.
2) While opening and transfer of savings account, the above mentioned branch had offered me a Free Credit
Card but I had politely declined the offer.
3) Received a letter on 23/02/19 from HDFC Bank, having subject “Suspend status of your captioned Credit card a/c ending 6903” along with several allegations.
4) Submitted a letter on 26/2/19, received by branch on 27/2/19 regarding the allegation and subsequently complained to the customer care on March 1st, reference number [protected], and again on 3rd Mar, reference number: [protected] to take action against appalling functioning of Branch.
5) Customer care replied against my query that the Credit Card has been received by branch (as not delivered) and has been destroyed. It also stated that an amount Rs. 4638.71 has been holding on funds of my Saving a/c no. ending 2002 and now the card has been converted to “Life Time Free basis smartpay” registration without any consent from account holder seems against the policy of existing rules of Banking.
6) I am being harassed by the bank and am being very unfairly alleged by the bank. The bank has not been able to provide me with any evidence whatsoever about usage of this credit card or receiving of Credit Card by me.
But outrageously, an amount of Rs. 4242.30 have been debited from my savings account on 28/2/19 as revealed from downloaded statement, which is shocking, created unnecessary agony, stress and pain with no fault on my part.
Could you please resolve it at the earliest possible opportunity for harassing a customer? Especially, a customer with no history of irregularity, thus hampering her social dignity.
Please arrange to release amount Rs.4638.71 in my savings account. An early reply will be highly solicited.
Antara Sengupta
(+91)[protected]

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May 3, 2019

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Apr 01, 2019

HDFC Bank Customer Care's response Dear Customer,

We confirm that we had already responded to your e-mail on March 28, 2019. We regret to note the same missed your attention. For further clarifications please reply to our e-mail. The reference number for this interaction is[protected].

-Manoj
HDFC Bank Customer Assistance

Apr 02, 2019

Updated by antara1992 Dear Sir,
Nothing to specify regarding HDFC mail dated Mar, 28. Mr Vishal talked to me but no solution have been extended.
However, Mail dated 22nd Mar, query reference number for this correspondence is [protected], no reply received yet though it was told that with in 5 working days they will enquire the matter and review it.
ANTARA

Apr 06, 2019

Updated by antara1992 Mail received.
From: Grievance Redressalcc <Grievance.[protected]@hdfcbank.com>
Date: Thu, Apr 4, 2019, 19:27
Subject: RE:'HBL=[protected]' Reply of Reference No. [protected]
To: antara sengupta <sengupta.[protected]@gmail.com>
Dear Mr.Sengupta,
This is in continuation to our interim response dated April 03, 2019, regarding your HDFC Bank credit card account.
We observe that a HDFC Bank credit card bearing number 5459 XXXX XXXX 6903 was processed basis your application. Further, we note that the Smartpay facility towards payment of M/s Vodafone & IDea (reference number [protected] & [protected] ) was incorporated on your card account basis the application received at our end. We have attached the statement for your reference.
In the absence of a positive revert/payment, an amount of Rs. 4, 242.30 was claimed from your bank account and credited to your card account on 28.02.2019.
Basis your request and to resolve the complaint amicably, we are willing to reverse the bank charges amounting to Rs. 2691.49 on your card account
Please feel free to write to us at: grievance.[protected]@hdfcbank.com for any further assistance / clarifications that you may require in this regard.
Kindly note the query reference number for this correspondence is [protected]
Assuring you of our best services at all times.
Regards,
Manikandan P S
Manager - Grievance Cell
Correspondence

Reply against mail dated 4th April, 2019 query reference number for this correspondence is [protected] .

Dear Sir,

Thank you very much for your reply. This response is a continuation of my previous email to you.

I am very confused about your overall response because it seems despite knowing, admitting and verifying all facts and data from Branch, you are still not agreeing to compensate me in full despite the harassment caused to me by HDFC.

You have proposed that an amount Rs.2691.49 might be reversed back to my account, out of the Rs 4242.30 and stated that “Basis your request and to resolve the complaint amicably, we are willing to reverse the bank charges amounting to Rs. 2691.49 on your card account”. I am unclear on why you are making it look like a gift from the bank to me when the reality is that you have caused me a lot of stress with your careless and baseless allegations like “no response to phone calls”, multiple letters to address” and worst of these all “irregular payment”. I am shocked to see that your casual approach to this issue and there is no mention of any apology for the harassment caused to your customer
Sir, I have detailed my discontentment categorically in my previous mail dated Mar 21, 2019 about the charging an interest to a customer who didn’t even have any idea about a credit card. Please see my reasoning in my previous email and I request you to think about the fairness of this with an open mind.

It is also to be mentioned that you have enclosed six credit card statements, in mail dated April 4, 2019, right from 18/12/2017 to 18/05/2018 but no purchase or use on card is present in any of those statements. This is a clear evidence of I never intended to use this card, nor it ever reached to me. By transferring the card in ‘Smart Pay’, the bank has claimed that in two mobile recharges Rs.600/- has been charged to the card. This was entirely the bank’s own decision (whether it transferred in mode of Smart Pay or Unsmart Pay) and I wasn’t included in this decision-making process, and therefore shouldn’t be unfairly punished for it. However, given that it was a valid mobile recharge, I am ready to pay Rs.600/- as a good gesture to the bank. But an interest liability of Rs. 950.81, as raised by you, would be misappropriation for which no law permits. Card statements prove that for more than six months, Bank was completely unaware that the Credit Card has been returned back to Bank. It is mentioned in your mail dated Mar 6, 2019 “We observe from our records that the card had returned to us and subsequently destroyed due to security reasons after a time span of 30 days. We wish to clarify that the same has been notified regarding the card undelivered to us” a return mail of credit card couldn’t possibly take six months to reach Branch. Any personnel from Branch didn’t reach to Employer (as it was Salary account) to verify whether account holder is dead or alive, bank had raised the bills either way.

Sir, in my mails, I claimed that all the proofs that Bank have (1) Date of issue of card and acknowledgement of post (2) Date of return of Card to Branch with acknowledgement (3) Intimation of Bills as sent to my mails with acknowledgements (4) Acknowledgement of letters that intimation sent to my home address regarding due bills (5) Any letters sent to my Employer regarding unpaid bills with acknowledgement, but nothing have been received yet. You are once again requested to send it to me to come into a conclusion.

Sir, it would be really appreciated if only an amount of Rs.600/- is deducted by Bank as a legitimate expenditure, and the rest of the amount completely refunded to my account to end this long process of harassment for me.

In last I like to mention that I am not " Mr. Sengupta", I am a lady account holder.

With regards,

Antara Sengupta

May 01, 2019

Updated by antara1992 Received mail from HDFC Bank

From: Grievance Redressalcc <Grievance.[protected]@hdfcbank.com>
Date: Wed, Apr 17, 2019, 17:35
Subject: RE:'HBL=[protected]' Reply against mail dated 4th April, 2019 query reference number for this correspondence is [protected] .
To: antara sengupta <sengupta.[protected]@gmail.com>

Dear Ms .Sengupta,

This is in continuation to our interim response dated April 11, 2019, regarding your HDFC Bank credit card account.

It is unfortunate to note that your recent interactions with the Bank has not been upto your satisfaction. We wish to assure you that it is our constant endeavour to provide outstanding services to you and ensure that your banking experience with us is always pleasurable.

We have arranged to reverse the bank charges of Rs.3109.92 levied in your card account. The relevant credit will reflect in your card account on 5 working days. Further we have arranged to reverse the GST of Rs. 535.89 debited in your card account. The relevant GST credit will be credited in your card account in 30 days. Post reversal we will arrange to refund the same to your bank account.

Please feel free to write to us at: grievance.[protected]@hdfcbank.com for any further assistance / clarifications that you may require in this regard.

Kindly note the query reference number for this correspondence is [protected]

Assuring you of our best services at all times.

Regards,

Manikandan P S
Manager - Grievance Cell
Correspondence

No action has been taken to reverse back the bank charges Rs.3109.92 levied from my savings account.
Antara Sengupta