[Resolved]  HDFC Bank — HDFC Credit card issue - records updated with wrong information

Address:

600033

Hi, in chennai on 2008 i was shifted from old rented house to a new rented house. After a month in my new rented house i have received a letter without any name, since the door number and the street name is correct, the postman dropped the letter in our box. I have opened the letter and read it because it was for my door number. Then i noticed that it was a letter from a lawyer mentioned with a credit card number from HDFC and some amount to be paid before so and so date. Also they have mentioned the person's company name wherein he was working when he was getting the credit card. Also it was mentioned that he got that credit card on 2004.

Since i dont have any relation with HDFC, I had showed this letter to my neighbor (who is living there for many years), she said yes before you guys moving here there was a family living here with two brothers. After they moved from this place she had noticed that the postman was dropping letters for them which comes from bank and lawyer. And she showed me some old letters that came for that door number and address. Since i dont have a HDFC credit card, also i have moved into that house only by 2008 i left it without taking any action.

After a month i have applied for a car loan with HDFC and it was approved because i was working in a mnc for 10 years and having a very good credit score. Also i was using ICICI and SBI credit cards for many years without any default. So the car loan was sanctioned from HDFC bank and the bank dealer was approached me again for applying for HDFC credit card. So i have applied for HDFC credit card. After a week i have got a letter from the HDFC credit card section stating that my credit card application was rejected saying no reason.

After couple of months i have received a similar kind of letter, but this time it came with my first name printed on the letter and some amount to be paid and they have also mentioned the company name that the person was working.

This time i wrote a letter to the lawyer also i called up the lawyer number printed on the letter and explained the situation. He said that he will update the information to the bank and he assured that i will not be getting similar letter. Meantime i have completed my car loan with HDFC and got back my security cheques with a loan closure letter.

Now after couple of years last week i had received a similar letter but it was from a different lawyer. Now i am completely pissed off. So this time i called the lawyer number and he said i want to talk to the concern bank.

So i called up HDFC customer care number and they are asking credit card number and other details but i dont have one.

Now my situation is,

I never got any credit card from HDFC at all. Also i was working for a different company that was not matching with the company name mentioned in the letter. Also i came to that house only on 2008. My only fault was that i have applied for a HDFC credit card after coming to that new address and the HDFC credit card section wrongly updated my name in their records with someone's because the address matched with an existing credit card.

Since the letter has come to my door step with my first name printed on it i am really worried because it will spoil my reputation ever if i moved to a different place.

So what should i do. I would request the respective HDFC credit card collection section would give me a solution to fix this. I dont want to get a similar letter from HDFC credit card collection section

Need help or suggestion..