[Resolved]  HDFC Bank — hdfc credit card

Address:

122002

I had made the hdfc credit card payment of 3, 631.00 via visa money transfer (Via hdfc bank) on sunday, 3rd december 2017 (Minimum amount against the due date of 10th december2017). The amount of 3, 631.00 was debited from my account but was not credited to my hdfc credit card *1789. I waited till 5th december 2017 to see if the payment amount of 3631 is updated/credit to my hdfc credit card but it did not happen.
I have contacted the hdfc customer services number of times to let them know my concern but they have been giving me the lame/standard script - raise complaint-will investigate-send email with bank statement!! And i have done all that as i was asked, unfortunately neither did i receive response or phone calls regularly with the progress.
I called hdfc custmer service on 5th december and explained the issue however i was told to wait till end of the day or until next day morning. As the payment did not get updated, i called customer services again on 6th december explaining the scenario all over again. I was told to send an email to the credit card team which i did but did not get the response (Unlike the automated response which says hdfc will get back to me within 48 hours),
The phone banker wasn't helping either in terms of my payment which was not updated instead asking for the payment against my outstanding bill! I told the lady on the phone that i know that i am being charged-interest for my outstanding however the point of the call was for the payment made on 3rd december which needs to be taken care of, then i was asked to go the home branch in-order to get amw (Something like that)... And i traveled from delhi to gurgaon, leaving my office work behind (Financial penalty) reached home branch bank around 3.35pm at qutub enclave - shopping mall and the guard said the bank closes at 3.30pm and refuse me to get in!
Calling customer service is one of the task - hold for a half an hour and the customer service representative has not been kind enough to help me.
I sent another email asking about the progress on 7th december for which i did not get, i sent few emails asking about the status on 11th december 2017 and finally i received the email response on12th december from senior management - priorityredressal. [protected]@hdfcbank.com asking about the challenges and i explained all over it again.
On 21st i received a confirmation email to which the payment of 3631 was being credited and it was my other credit card (Sbi and i don’t want this amount to be debited from my sbi credit card), hdfc bank did waived off the late payment charge of 750.00 which is no-where near to the pain that i have gone through.
Email received (Not responded to my entire query listed below -7 points)

I would like hdfc to:

Compensate 3, 631.00 + service/gst amount for extremely poor service/response and the amount of 3631.00 to be credited towards my credit card (Red) - 1st point of escalation was on 5th december 2017
Interest/finance charges (On full amount) between 21st dec ‘17 until the existence of this complaint to be waived off (Red)
Fixing c-bill: cause of the time it has taken to rectify - will impact my c-bill history, where my point of contact was to avoid the missing payment before 10th december 2017 (Red)
Waive off the late payment charges: 750.00 (Which has been done, confirmed from an email from hdfc)
Escalation of branch issues to the branch manager or higher directors (Sheetal srivastava did not give me an explanation as to why the bank was closed before stipulated time, due to which i had to pay the price, left office - has penalty, time & travel expenses, physically stressed)
Strict feedback/actions to be given/taken against the executives who could have dealt my case better (Per the hdfc company's policy) (Red)
The time it has taken to identify the root cause – else i would have sorted issue.
"re: my outstanding balance should be paid in full (Possibly) in some weeks time and i understand the possible regressive interest charges that hdfc levies. However once i have the terms agreed (As points listed above), i can then think about when, how-much and how to pay-off the maximum/full amount."