| Address: New Delhi, Delhi |
my name is Ritu sharma. my card number is [protected].This is regards to the HDFC Bank credit card settlement for which I was physically & mentally harassed by the agent named Ravi sharma - [protected] & his Team Leader Pradeep - [protected], i hold your bank card last 3 to 4 years and my last payment is on December 2014 is 33, 000rs/-, i got a call from collection department executive ravi sharma on December month for the payment of rs, 20, 000/-, i said him its not possible for me to pay this big amount in very short period, but he said if you never pay this amount your card should close and collection persons came to your home for colllect money, and they were very rude. i request him not do that with me. He said so pay the payment. after that i pay the amount of 4000rs, and than he call me again and said 16000rs is balance to pay i again request him its not possible for me. but he never listen and threatened to me. than after that i asked him for full and final settelment. he said ok i discussed it with my sernior mr. pradeep than let you know. my husband call to him for settelment he said my sr. is on conference so mr. pradeep said to my husband you total amount to paid is 33, 000rs, but i deduct 6thousand to 7 thousand for your account your settelment last amount is 26, 500rs.. than i sold my jewelary and pay 20500rs/- after that ravi sharma said now your balance is only 2000rs. you can pay it on january month. after this i purchased some goods for 3000rs. and i planed my last payment and present payment is 5000rs. so i paid it on january month end. but i called to customer care they said my total amount to pay is 15000rs. i shocked to hear this. i called so many times in customer care they were not help me out. and repeatedly said we arrange call for you with our collection department. collection department never call to me and never pick my calls. my husband also visit collection office of rajouri garden they were never help us for that.but nobody call to me. ravi sharma not picked my call, and pradeep also not pick my calls. iam very helpless. Nobody sort out my problem . my husband jobless, father - in - law heart patient my all earnings were spend on it. iam not in position to pay more money. please help me out. please help me out.
Today got checked in HDFC Link showing track your card application. Found the reason as follows.
Application Reference Number
[protected]O2
Status
DISAPPROVED
Remarks
DISAPPROVAL OF THE CREDIT CARD APPLICATION DOES NOT REFLECT IN ANYWAY ON YOUR CREDIT STANDING OR YOUR FINANCIAL STABILITY
I called Customer CARE and they are not giving any reason for Rejection. As per RBI GUIDELINE CIRCULAR NO - RBI/[protected]/100 BOD.FSD.BC.23/24.01.011/2008-09 DATED[protected]. HDFC Bank should give us reason or else we also file complaint in RBI and bank ombudsman.
We want Reason for Rejection as i have provided all the required documents they asked If we will not find reason for rejection, we will file case in Consumer court. It is my dignity which got effected and i am fully made up my mind for filing legal case against HDFC. I never had any credit card or liabilities from any bank in the past.
Please provide reason or else i will file case in consumer court.
Regards
Asif Maqbool
[protected]