| Address: Chennai, Tamil Nadu |
To
Sub : Case Number : 67431 / 2011 , letter dated : 17/6/2011 (HDFC v/s Srivalli Krishnan)
HDFC Bank Limited
Credit Card division, 110 Nelson Manickam road , Aminjikarai, Chennai – 600029
Srivalli Krishnan -
I am Srivalli’s husband and would like to represent her in this matter.
Key facts :
My wife Srivalli had a credit card from HDFC xxxx-xxxx-xxxx- 6103 from HDFC since 2006. Without her consent or written approval the bank had added a new loan product to the card and started charging the same in subsequent bills. We saw the EMIs reflecting amounts which were unapproved at very high interest rates.
We had called their customer service numbers , but it was not altered. We gave written requests in the HDFC branch asking clarification of the same and removing this loan amount . They acknowledged the error by their sales / call centre agents and had suggested paying back in lump sum amount to clear just principal due and promised to close the loan product without any of the charges . Srivalli made the lumpsum payment in 2 installments.
But we were surprised that the card was not closed and surcharges continued to reflect in subsequent statements as ‘penalties, late fees, min. balance fees’ etc., which were over 200% higher than even the loan amount. We raised this issue to HDFC Ombudsman , but there was no progress in resolution.
Further, HDFC bank had started harassing and abusing over phone my parents and her parents , late at night trying to coerse us to pay. I intervened to have all their contact numbers removed from their database and said the only person they need to talk to is myself , Valli’s husband.
The case was referred to Lok adalat , but none of their representatives came to court to settle. They continue to mount surcharges and claiming we have dues of 4 lakhs now with them.
Inspite of RBI guidelines, and professional code of conduct they always take ‘soft targets’ like my dad and Srivalli’s parents when we are not around and have been sending thugs and abusive callers all the time .
In one such incident , they had tried to pull my wife , who was wearing only a night dress, in public and physically assault her. This was caught on camera and is being produced below. My father, who was constantly being harassed by bank agents, owe to undue stress , passed away in April . We have been in utter shock.
We approached the local police station (Thiruvanmiyur , Mylapore) with evidence. The concerned person was called and warned, but he said he was from an outsourced third party agency ( not a HDFC bank employee) and was asked to do so by the bank officials to complete the collection targets.
This whole series of events has caused undue stress for my entire family , for a loan product we never even applied for.We feel the amount being requested us to pay back is absolutely baseless, infact in contrary, my family have been subjected to immense physical and mental stress for past several months by the bank and its officials. We find the bank’s techniques and operations as very cunning and derogatory.
The calls had stopped for some time but once again in past week has restarted calling my inlaws in Bangalore who are senior citizens. They have sent threatening SMS that they would send people to physically coersce them .My PA , Mr. Vijaykanth is visually challenged, and they have been sending people to office and haggling him for past 2 days.
This time we want to make a formal FIR and proceed on criminal grounds to take legal action against the bank and its key staff/agents. (submitted to Aminijikarai police station)
1. Ms. Devi : [protected] ,[protected]
2. Vijay Balaji :[protected]abusive phone calls)
3. Dinesh verma :[protected]sms threat)
4. P. Subash – APS associates :[protected]
Key sections :
• Cheating (Section 415-424),
• Counterfeiting (230-263A and 489A-489E)
• Criminal Breach of Trust (Section 405-409)
• Outraging modesty of women (Section 354 )
We hereby declare that as the matter warrants a more thorough investigation on above criminal acts and also to banking regulatory bodies to deny licenses to operate such unauthorised credit products.
Dated : 12/ sep/2012
Yours respectfully
M. Venkata Subramanian
(spouse of Srivalli Krishnan)
Aug 13, 2020
Complaint marked as Resolved 
We suggest you to block the debit card to avoid further misuse. Pls mail us at [protected]@hdfcbank.com with your a/c details, txn details, contact number and ref id TTU[protected] from your registered email address. We will investigate from our end.
Regards,
HDFC Bank Customer Support