HDFC Bank — Hdfc bank credit card — unprofessional attitude / dispute transaction

Address:

Gurgaon, Haryana, 122011

I would like to lodge my complaint against the HDFC Credit Card division for spoiling my social reputation by reducing my CIBIL rating score and hence not approving my loan even after my excellent financial status. FYI please I have been paying about Rs. 2, 24, 000/- as Income Tax to GOI every month and also give up my LPG cylinder subsidy as per the Honorable Prime Minister appeal. I would like to appraise point wise below. 1) Investor Clinic from Noida approached the Bank for the Home loan with my all documents to approve the loan from some Amrapalli Project in Noida and came to know my CIBIL rating is not good due to some pending issue with HDFC to approve the loan. 2) On 3rd Dec'15 I have personally visited HDFC Golf Course Branch to investigate the matter and requested Mr. Abhishek Dutta ([protected]) about said matter. I have given my all necessary details as per his request to investigate the case. Mr. Abhishek promised me to call on Monday i.e., 5th Dec'15 to confirm the status but I have not received any call from him. Then I called him and asked the status and he has told me nothing is pending in my name. 3) On second week of Dec'15 I wrote number of mails to [protected]@hdfc.com and cc to MD. Then finally I got a call that some Rs. 1000/- against some HDFC card in 2004 is pending and now requesting me to pay Rs. 3400/- without sending me the statement as well as any reminder calls. Now my questions with HDFC are: 1) Why HDFC approved my loan in 2006. FYI please I have closed my loan in 2010. 2) Why HDFC approved my loan in Dec'12. FYI please I have closed my loan in July 2015. 3) Why HDFC Bank has not raised this during the approval for above stated loan. 4) As per my knowledge I was not having any HDFC card pending amount. 5) Why HDFC Bank is not sending me the dues statement, if any, even after number email request to them. 6) Why HDFC Bank has not sent me the reminder call for the pending dues, if any, and wake-up now after 12 years when I personally approached their Golf Course Road branch. Appreciate if you can discuss with HDFC and take necessary action for mental harassment.