It's been 22 days since I have brought my complaint on the credit card EMI issue to the notice of HDFC customer care(Complaint no.:[protected]. Meanwhile I had called their senior management team (Ph:[protected] at least 4 times regarding the update. Every time they said "the complaint is under review and it shall be resolved under 48h for sure". As an evidence, I have recorded all my calls with them with prior consent. But my issue has not been resolved yet. My complaint was as given below:
I have purchased a TV from Samsung website on 17/08/2020 by opting the 18 month No Cost EMI. I was surprised to know from the credit card statement that my EMI was counted for 3 months with some interest rate. Regarding this discrepancy I had written emails and had telephonic conversations with the SAMSUNG team. They have replied with attached evidence confirming my 18 months No cost EMI and stated that I have to deal with the issue with the concerned bank (HDFC). Hence, I wrote to customerservices.[protected]@hdfcbank.com
Unfortunately, I have not received any information regarding the same in spite of repeated reminders even to the senior management team (Ph:[protected]. I'd even stated in my earlier emails that I would like to pay whatever be the entire amount when the issue gets resolved. I had been doing the full payments on my credit card bills until now, I was never this late. Delay in payments of credit card dues affect my credit score. It's clearly not my fault here. I have even stated that I can make payment for the entire amount right then, but on a guarantee that after re-adjusting my actual 18 months no cost EMI i would get back my money as credit.
Already statements of 2 months have been generated along with a fine for delay in payment. On the other side, HDFC bank's credit recovery team keeps on calling me multiple times even after i told them every time that i had raised a complaint against which i had not received any response and i told them i would pay the amount once the issue gets resolved. I don't understand why don't they keep calling me again and again. Why don't they communicate with their recovery team and ask them not to disturb & humiliate this customer until the complaint is resolved? You know what? My card is blocked for all purchases. I could not use my credit card during Dassehra festival. Do they understand how much pain and humiliation i had gone through for not being able to make online purchases using my credit card? and i am about to miss another festival (Diwali). I have lost my complete trust in the HDFC bank. I have even warned their senior management team three times at least stating that I would be approaching the legal route (consumer helpline/court) for justice if corrective action is not taken immediately. But i haven't received any response from HDFC. All documents in support of my communications with Samsung & HDFC are attached for ready reference. If required, i can provide audio records too.
Summary: I request HDFC to correct their mistake and change the EMI back to 18 months NO COST EMI, waive off the entire late payment fees and give me in writing, stating that because of this delay, my credit score wouldn't get affected. Also, i demand a formal apology letter with all reasons which led to this situation, humiliation and mental discomfort i had to go through because of this bank & it's concerned employees.
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