HDFC Bank Complaints & Reviews

Dear Sir,

I will like to lodge complaint agsinst the manager Mr. Manoj Singh and personal banker Mr. Shashibhushan of Datapada Branch,Borivali,Mumbai, where they projected an SAP scheme (saving assuarance plan) as an FD-RD scheme of 5 yrs providing 10% interest compunded annually where as the actual product was an life insuarance policy of 11 yrs providing at max 3.25% interest that too at end of the maturity peroid.

I came to know about it when I recieved my policy document. On questioning about the same from the branch, they asked us to surrender the policy but were not accepting there fault of cheating the customers by making false claims and wasting the user's time and money.

Seriuos actions needs to betaken regarding this as they are fooling around the people by making false lucrative offers.

Dear Sir/Madam,
HDFC Credit card Division.

Sub : Harrasment by telecaller.

This is for your kind information that I bijen Krishna Parija,holds a HDFC Credit card no:[protected].I am a regular pay master.but due to loss of my job and financial constrants I am paying the minimum amount each and evey month.But there is a lady from the collection team calling from the no given below :[protected] .During the payment time last month I requested to make the payment early June but she abused in vulger language to me and to my wife even she called up to my inlaws place and abused them.Then one Mr.Kunal Mishra called and said that he is named Dukhiatma and requested to make payment and I agreed to do the payment next day and I did the payment.Mr.Mishra had told me that as I kept the commitment he will definitely call me after their closing of month may and discuss for a smooth payment this month onwards.But unfrtunately he did not call back ,even I called him couple of times but he didnt picked up nor bother to call back.
Now for last four five days there are calls coming from the bank to make payment,and I requested please ask Mr.Mishra to call me and then I will make the payment.But unfortunately he didnt bother to call me back,rather the same lady called me today morning and asked for the payment,but when I asked her to ask Mr.Mishra to talk to me and then I will make the payment she started abusing and calling me and threantend that she will call me continuously and disturb me that no incoming calls I can receive.
Being a regular payer of outstanding this kind of beaviour from the people of HDFC bank is not at all acceptable.
Please take it seriously and make necessary arrangement .

Thanks and Regards,

Bijen Krishna Parija.

I Harpreet Singh worked as Insurance Coex employee code 70950 .
My last working day with HDFC BANK was 5 feb 2010 at Assandh Branch (1327).
I received F & F but I Still not received my RELIEVING LETTER as on 26 june 2010.
Please provide me the same as soon as possible.

Thanking you
Harpreet Singh
[protected]@gmail.com
[protected]

Address
Harpreet singh s% balwinder singh,
ward no 12 , Geeta colony, Assandh
District karnal (HR)
Pin 132039

Sir,

I write a letter to the Credit Card Division HDFC Bank but they are not responding properly. Please help me from the tourcher from their Recovery People they are abusing and shouting mental torurcher from the no. of [protected] / 33016800. they can't try toletsion. Sir whatever i purchased amt I paid more amt recently . Because not keeping well. Pls go through this letter which was send them.

Regards

Surendra Suvarna

22nd June 2010
From :
Surendra Suvarna
204 Om Matru Chayya CHS Ltd.
Dombiveli, Thane

To ,
The Manager
HDFC Bank Card Division
Thiruvanmiyur
Chennaai
Customerservices.[protected]@hdfcbank.com

Sub : Close my HDFC Bnsk’s Credit Card Matter
Ref : HDFC Bank International Credit Card No. [protected]

Dear Sir,
I wish to inform you that Whatever the problem are created in my Credit Card, because of your poor service / nonsupport/ Wrong Statement of April 2009 amt of Rs 784/- wrongly billed from your department atual amt was Rs. 400/-.
When I was in the problem I followed up regarding above so many times called in your coustmer care, they are not co-oparated from May 2009 to September 2009, pls check my record how many times I called, how many letter I submitted . In july submitted the letter for close my Credit Card Account and settle the amount as early as possible, your department not done that they are keep on charge the interest amount this way of treatment you are give the coustmer. When we are requesting as a Coustmer you are not bothered and not reply also . No reverse call in your side, No support from your side, Now your people are having my contact number for a earessment. When I made a complant nobody called for a help. Ultimate my dispute amount of Rs. 384/- credited on September2009 statement . This follow up May2009 to September 2009 then I got credited. In between you think how much I disturbed, how much telephone call I did, How much mental disturbed, how much expenses incurred , how much time wasted behind your mistake who will going to bear this loss. What penalty can I charge regarding this because of your poor management / service . I really surprised this not the only mistake , I show so many hidden cost in your statement for your information so Educated people doing like this.
The statement on dated 2/6/2009 you are charged Rs 128.25. as finance charge. I don’t know what a hidden cost, I spoke to your coustmer care ask them to reverse. You see the next statement only reverse of Rs . 116.29 this type of your people doing. Pls I can’t explain every mistake.
When I swap your Credit Card I am not received any SMS or any telephone call in your side, this is very important for security purpose both the sides, other banks are giving this facitly. which credit card was my family holding .Even I am having SB A/c and Demat A/c in ypur HDFC Bank that department sending SMS in every transaction . When the problem is going to know only after the statement come to our address. Statement also some time delay and early, That also not prompt. I think this is delibaratly doing for the erasement.
I not come to your Bank for apply a Credit Card , You sales team collect the contact number some other sourse . and come to my place provide the credit card.
Last One payment was pending I purchased from Croma amt Rs 699/- that time nobody called. I was out of town for official and non health purpose from July 2009 onwards still I was not in the billing address treatment is going on , recently your people called and follow up number for the due amt I surprise it is increased. amount was pending because I waited for the IRCTc amt credited to my A/c . after I see the statement Dt 13/6/2009.
My IRCTC refund amt lying in your a/c from 15/5/2009. It was lying one month in your a/c
These all happened because of your poor management
I not redeem the Reward Point that also pending.
Now your recovery people keep on calling and abusing and they give a mental tourcher in my number . I am a Blood Pleasure and Daibities Patient . I can not beare this tourcher. Frist call received that time I was not in the town your people told us 50,000/- due in my credit card , our people told them , he will get back soon, then also they are erased. This type of toucher, if any thing happened in my health you people will be the responsible.
When I came to know, I called your Coustmer Care they are not co operated. Then called your Credit Card Debt department. I spoke to Ms. Priya and explaind everthing. I told her I will pay Rs. 700/- which was last my purchase. She accepted to close the matter. Then 15/06/2010 she called and shouting it is not credited their a/c I told her drop the cheque on 7/6/2010 and it is debited to my a/c. 11/6/2010. That is hdfc banks cheque.and given the details also, If your account system perfect it is shown same day as per banks rules . it very surpise that , then she transfer the line to her senior . I explained everthing again. He cant not letison he keep on shouted and abused . This the treatment your people give to the coustmenr. Still I tolerate every thing ,. I thought all educated people in your Bank and good manner but it is not there , they does’n know how to speak the coustemer.

Once againg expain you my due and see my earlier record of payment

As per your Statement date : 13/6/2009
My total amount due : Rs.557.65
Less : This your Hidden Cost : Rs 460.48
Actual due was : Rs. 97.17
After I was only one purchase from croma on 24 June 2009 Rs : 699.00
I receive the Credit Amount as per Statement 13/9/2009 Rs : 384.00
I receive the Credit amount as per statement 13//7/2009 Rs : 48.00
Final Due was only Rs. 364.14
Instead of that, I recently Paid of Rs 700/- dated 01/06/2010..
Cheque No : 477942 Bank : HDFC BANK
Above all these matter you are counted as a Default coustmer , I am surprise.
Pls think about Coustmer’s point of view. I loose the trust from HDFC BANK because .
I having Saving account and Demat account and my family account and we are having corporate account in HDFC Bank. check the records.
If you are not co-oprated I will change all accounts to some other Bank. And go to other source
Once again I request, look into the matter please close the matter .further don’t give any call or tourcher for the payment.
Do the needful
Thanking you
SURENDRA SUVARNA.
C. C. : Mr Sai Girdhar

HI,

DON'T BUY A POLICY THROUGH A TELECALLER FROM ANY BANK BECAUSE THEY DON'T TELL FULL DETAILS OF THE POLICY.

THEY KEEP YOU IN DARK. AFTER A YEAR WHEN 2ND YEAR PREMIUM BECOME DUE THEY WILL ASK FOR ONE TIME YEARLY PREMIUM FOR THAT POLICY. 1ST YEAR IT IS EASY MONTHLY INSTALMENTS WITHOUT ANY CHARGE AFTERWARDS THEY CHARGE IF YOU PAY IN INSTALL MENTS. MY ONLY CONCERN IS, TELE CALLER SHOULD SHARE FULL DETAILS AND TERMS & CONDITIONS WHEN THEY ARE SELLING A POLICY TO THE CUSTOMER.

" EK BAAR FAS GAYA TO FAS GAYA, FIR KUCH NAHI HO SAKTA"

THEY ARE VERY SMART AND DIRTYMIND TO GET NEW CUSTOMER AND ACHIEVE THEIR TARGETS.

SANJAY

Hi

I am sanjay and I am your policy holder of your company my Policy No is[protected]. I m facing big problem of your management, Mr. Santosh Kumar Sharma is your employ of your company working in Sec 63 Noida Branch with team manager his living in Laxmi nagar this persion which is open my policy of your company, this person is very stupid and , Is bevkuf ne mera policy open karva tha. Pahle mere a/c se payment hota tha lekin isme faltu ke ECS ke paise katne lagte to maine ise bund karva diya or by cash payment karvane laga lekin yeh banda hamesha grace period me hi aata or paise le jata aaj tak isne koi bhi silip nahi di or ab alam aisa hai ki may-10 ka payment karne ke bad bhi meri policy laps ho gaya hai. Is bande ko das bar bola ki ghir pea a ke paise le jai or yeh gadha kabhi bhi ghir per nahi aata or ise phone karo to phone bhi nahi udhata is bande ne mere lakho rupe policy me laga rakhe phir itna ganda response deta hai ,yeh banda company ko to dhokha de hi raha sala policy holder ko bhi dhokhe me rakh raha hai. Is bande ko aap log company me kaise rakh lete hai agar apka team manager aise hoga to apke employ kase honge. Ase bande logo or apni company ko to dhokha de hi rahe or sath me company ke goodwill bhi kam ker rahe. Agar apne jaldi hi iske khilaf koi karvahi nahi ki to mai to apni policy to band karvunghi sath me consumer court mai bhi complain karunga or apne janne wale her logo ko bulunga ki is company me paise invest mat karo. Ishe apka hi nukshan hoga. Pls meri help kijiye or mujhe jaldi iska koi reply kijiye.

Thanks
Sanjay
Mobile No -[protected]

Salary issue

To,
The HDFC BANK LTD.
Human Resources Division
HDFC Bank House, 2nd Floor,
Senapati Bapat Marg,
Lower Parel, Mumbai 400013

Sub: Prayer For Realising My Salary From April 1 to 22nd April and Incentive for the month of March and April Month incentive not yet received

Respected,

Sir, I am Karthikeyan Subramaniam Bearing Employee Code: 71310 Was an Employee in Your HDFC Bank Ltd Porur Branch as a CONTRACT SALES EXECUTIVE.

Department : GOLD LOAN OPERATION DEPARTMENT

Sir, I Have Still not Able to get my Salary for the period of above Mentioned date that is from April 1st to April 22nd Still Not yet Received Sir

Sir, My Basic Salary Was Rs-3500 & Rs-2500 a Conveyance Allowance and Total of Rs-6000/- per month. Plus incentive also not yet received.

Sir, You can check my total business given to HDFC Bank Ltd during this term of period. Some A/C not login in my employee code. – Porur branch Gold Loan Operation Department

Sir, I have enclosed a copy of my offer letter along with this mail. Sir, I Request you to Please Reliase my salary. And PF Also release Sir.

Your Kind consideration is awaited by me.

Sir Still I am not receives my Salary Slip also. Please send it my Mail Id.

Please solve the My problem. Please credit my account number also given below sir.,

Your Faithfully
Karthikeyan Subramanian
Employee code: 71310
Date of Joining : 6th October 2009
PORUR CHENNAI TAMILNADU
Mob[protected] FL:[protected]
Mail Id: [protected]@gmail.com

Bank Account Details :

HDFC Bank Account Number : [protected]
Customer ID : 33885920
Account Branch : PORUR
A/C Open Date : 24/10/2009

my self Mr.rajshekhar having a salary a/c with hdfc bank but i didn't received any statement from hdfc bank since the a/c is opened by our company.
The co.details bajajallianz general insurance co.ltd
so.kindly do the needful

Sir,

I am lodging the complaint through this forum about the telephonic harassment by HDFC. I had received severals call from one of HDFC telecaller and behaving very badly and forcing me to pay huge amt of money which I never invested on the card as I have asked them to get my card settled but they are forcing me to pay total amt which I have never invested and also they are threatning my family members for which my father of 75 years of age got ill. so request you to please take stern action on the concerned people.

I have already intimated HDFC Higher authority regarding the issue but no feedback ha been received from them.

I therefore request the grievances cell of RBI to please look into the matter urgently to stop this harassment by HDFC Bank.

My Credit Card No is [protected]

Thanks & Regards,
Debankar Biswas

I am Santosh Mamgain working with airtel , one of my friend using HDFC Bank credit card [protected] , he is having some problem in payment, i don't know whats the issue, but yesterday my mother recieved the call from [protected] to my Ph [protected] and the person called using the abusing language. also given the timeline to make payment with in 24 hrs else would be any thing happen with me.

I have taken loan to buy two wheeler having RC No.PB 03 P 2266, from centurian Bank of BATHINDA branch on[protected]. First Check of EMI of Rs 1008-00 was debited from accont no.[protected] of ICICI Bathinda Branch.Then continue for 8-9 EMIs. Then I foreclose my acount after depositing outstanding amount. I have not received NOC for said vehicle yet.Now I forget My loan a/c No.I contacted to your Bathinda branch. He said, Go to our NOC department at Ludhiana branch. But
I cannot come to LUDHIANA for this small work.Please enquire about it send NOC at following Address.
I shall be thankfull to you
JAGSIR SINGH
#19957-A, St. No. 5
Jujhar Singh Nagar
Bathinda Punjab 151 001 , Mobile No.[protected]

HDFC bank as provided the worst services which can be offereed i have not recieved any updates and they dont even think of responding back to any of my queries .

I have reached out several times to there team to provide me with the details of there manager which again is never provided
________________________________________________________________
Hi All -

I am unhappy with the way the following loan application was treated.
I was told i will have my cheque being disperesed on Saturday 19th
June 2010. Based on the same i had paid the rest of the money to the
showroom. I have been sending messages to the following number and i
have not recieved any +[protected] and no call backs since Friday
18th June 2010.

I was also provided this local bangalore number and was told please
contact if you need help,.[protected] and no one respons on the
following number and even if they pick the call they state the person
responsible is not available.

I am currently in midst of confusion if i need to continue with this
loan process or ask my Automobile show room to take it forward for me.
but the kind of service and expectattion which was sent was really
bad and would not want any one to go through this kind of behaviours
from the hands of your team.

I was one of the strong advocates of your bank and would always
recoomend HDFC but from here on my perception is completely shaken.

Thanks,
Prashanth

DEAR SIR/MADAM,

I WAS USING HDFC CREDIT CARD ([protected]) AND HAVE DONE SETTLEMENT WITH HDFC CRAD DEPARTMENT , BUT STILL MY NAME I SREFLECTING IN CIBIL , WHERE UN IT WAS CONFIRMED TO ME THAT MY NAME WOULD NOT REFLECT IN CIBIL, EVEN THEY NOT GIVEN ME THE SETTLEMENT LETTER

I AM CONTINOUSLY FOLLOWING THIS WITH HDFC CUSTOMER CARE AND THROUGHMAIL BUT NO ONE HAS YET REPLIED TO ME

Dear sir,
May I know why should a bank takes a precloser charges of personnal loan
I am taking some money as a loan.I am paying it back to the bank as promised loan amount.
If I am paying upfront it is better that the bank got it's amount earlier and out from liabilities
When ever person is taking a personnal he is already screwed up so he is taking this last option of personnal loan
When his finance is stabilized and he want to come out of all the debpts bank won't let them come out this scraping high intrested personnal
I strongly believe that it is place we are still lacking and saying it's ok 4% or 5% pre closer charges
I just worked out it comes to half of your last installments pending means if I have 21 installments pending if I close the loan it comes to 10 installments
this is how even we come out of financial crisis but banks won't let us come out of the financial crisis
great No.1 banks
thanks to the RBI's overlooking these individual policies made by the banks
Pradeep Reddy,Ahmedabad

I HAVE HDFC SALARY SAVINGS ACCOUNT WITH THE BANK. I AM USING HDFC BANK'S NETBANKING. THE PROBLEM IS THAT AFTER COMLETION OF MY FIRST ONLINE TRANSACTION,THE SYSTEM REFUSES TO TAKE MY IPIN PASSWORD WHEN I TRY TO LOGIN AGAIN. IT GIVES FIVE CONSECUTIVE ATTEMPTS TO LOGIN AND IT ONE FAILS TO DO SO ,THE ACCOUNT GETS BLOCKED FOR 1 OR 2 DAYS. THEREFORE IT UNABLES ONE TO DO ONLINE TRANSACTIONS WITH THE BANK WHICH IS NECESSARY FOR ONE WHO CANNOT GO TO THE BRANCH EVERYDAY TO DO TRANSACTIONS. EACH AND EVERY TIME I HAVE TO GENERATE A NEW PASSWORD AND DO THE TRANSACTIONS AND IF I LOG OUT WITH MY ACCOUNT,I CANNOT LOGIN WITH THE SAME PASSWORD AGAIN AND MY ACCOUNT GETS BLOCKED FOR FEW DAYS ,IF I FAIL TO LOG IN FOR THE FIRST FIVE TIMES.

REGARDS

IPSITA BHOWMIK.

MY ACCOUNT NO IS - [protected]

CUSTOMER ID IS[protected]

I HAVE MY ACCOUNT WITH THE
STEPHEN HOUSE BRANCH,
4. B.B.D BAG,DALHOUSIE.
KOLKATA- 01.

Dear Sir,

Last week, I received a written communication on my permanent address, from HDFC bank, that a payment of Rs12,350/- due on the credit card no. [protected] has to be paid off immediately or I have to face legal action.

This is shocking to know that the last transaction of payment made was in 2004 for Rs 15,000 as the final settlement of all due and the card was blocked/inactive after that.

No communication by phone or writing has been made by HDFC bank regarding the outstanding payment from 2004 onwards.

Two months back an agency called up, on behalf of HDFC back and threatened to take me to the court of law, if I don't settle the due of Rs 12,350 immediately.

Call was made on my residential phone no. which was responded by my mother and my cell no. was provided for immediate contact.

I requested for the break of payment due in terms of principal amount and interest amount. This information hasn't been provided to me till date.

I was told by the agency to pay off Rs 2000 and settle all due against the outstanding of Rs 12,350.

I as a genuine customer, is willing to settle all due if pending, provided there is any principal amount due.

Since there hasn't been any communication received from HDFC bank, 2004 onwards, therefore I will not settle any interest/penalty levied.

I need to have a proof of all communication send to me at my registered address, registered email ID with HDFC bank if the penalty is to be considered as payable.

This is a harassment by HDFC back of a genuine customer who has settled all dues in 2004 itself.

I will file a harassment case against HDFC bank if the case is not resolved ASAP.

Regards,
Himalendu Bose
D 669 Ground Floor Chittaranjan Park
New Delhi -19
Cell No. [protected]
Present address:
5/1 Ranjit road Kotturpuram
Chennai
Tamil Naidu

with reference above sub.I Submit my pf form to BANDRA office on dt.24th may.2010 My Company code is MH/45327 and my PF a/c no.80510.but after inquiry on dt.03.06.2010 to till dt.18.06.2010 they do not receive my pf form I have also acknowledgement of Bandra office and I also send it through post and via e-mail but till date i didn't get any answer pls help me reg. this matter

I have been using HDFC Services(Salary, Demat, Credit card, and personal loan) from past 3 years. And with the kind of trouble they have given to me with credit card service, they cannot expect me to continue with any of the HDFC services in future.

I have explained my scenario to around 25+ people in HDFC(Bangalore, Chennai, Hyderabad, and mumbai), just to make sure if I can get in touch with any person who can give me better service then explaining me about rules book of HDFC. Whoever spoke with me was a person who wanted me to follow the rules of HDFC, or someone who was as ignorant as myself. I have been talking to so many people, with initiative from my end or from there end. Only to come to a conclusion that bank is always right and I am wrong.

When my card gets stolen, someone else makes purchases on it. How can they expect me to make the payment on time, I do expect some kind of investigation to be happened(I hope we have more to do in Investigation apart from calculating the number of days delayed in reporting loss of card). When they say they have completed there investigation after 3 months, and make me liable for the disputed amount. It's totally atrocious on there end to charge late payment, interest charges for this duration and directly debit amount from my salary account (Though they have rule to do that, and my stupidity of not reading it).

I do understand as a bank which serves millions of customers it will be difficult to put itself into the shoes of each customer. My intention is to understand how receptive HDFC is towards it customer, whether there is someone out there. Who can not only understand the problems customers are facing, but can also make decisions in providing better service.

HDFC can treat this mail as a rant, and need not bother about replying to me. As loosing one customer will not be a big deal to bank. And in my case, I do have other banks to deal with. My whole point in making this futile effort is to see how open a bank can be in providing services to it's customer.

I can explain my scenario to all the people in HDFC who are interested in listening customer pain points, and willing to improve the service provided from HDFC. And would request all those people who have only rules to be shared to keep away from me, as I have no interest to join as an employee in your legal or collection department, nor am I interested in using your services.

Regards,
Bhanu

As per our discussion with Mrs. this Tel no. 45501813 on date 06 may, you required two- three days more for investigation this case from my side ,I will give you two - three days but on eigth't day pl. reply me positively and the same Rs.14927.68
=(14527.68 +200+200) Unhold of funds on my saving bank account .



Shiv Kumar/Delhi/IN/E/Whirlpool
05/04/2008 09:35 PM

To
"HDFC Bank Credit Cards Support" <customerservices.[protected]@hdfcbank.com>
cc
[protected]@hdfcbank.com
Subject
Unhold of funds on my saving account no.[protected]Link





Dear Rajeswari Jayasekar,

Thanks for replying to my mail at least in HDFC somebody is there who replies after reminders.

I am appraising the facts through which i have gone through.
I have lost my Credit Card whose details are mentioned below on 17/05/05.
Immediately i have appraised the same to your call centre. You must be having the recording conversation with you, i request you to kindly go through the same and you yourself will come through the facts as you may not believe what i would say(as this time when you are viewing me you must be viewing as a defaulter).
Being a normal customer(Not working in any credit card division) how i would come to know that i have to also logged an FIR. Did any body informed me from your Support Centre(Understand what is meant by support) that i have to do the same.
After that on 20/06/05 one of your representative came to my residence in the name of Mr.Manish Arora Mobile No-[protected] and told me to pay Rs.200/= as a card closure fee. This was given to him vide receipt no F862022 dt 20/06/05 after making the confirmation on phone with Miss.Aparna on Tel no 51411660 that you make the payment of 200rs and give a letter in writing only after that we will get the same cancelled and you would be not liable for any dues. What you have to say on this ????????

I would request to release my payment what has been holded by you in my saving account & also pay for the damages what has been occurred because of this.


To [protected]@hdfcbank.com
cc [protected]@hdfcbank.com., [protected]@hdfcbank.com, [protected]@hdfcbank.com
Subject Wrong withdrawal in Saving ac no.[protected], Return Rs.10,039.68 in same account

Dated : 04/24/2008 01:11 AM

I had credit card no. [protected] of your bank. I also have a saving a/c[protected] in your Greater Kailash at Delhi Branch. I requested you in the last letter that the transaction of above Rs 18000/- has not done by me . More over i had already intimated your bank / your customer care cell immediately after the lost of credit card.
It was inform to me that the card has been blocked and no transaction could be done in future . Later a confirmation call was also made in this regards on the same day by your bank . After onward i received your bank statement in which a transaction of above Rs 18000 was made. this transaction was made after my request of ( lost and block ) of card . On requesting again this matter to your customer care a representative of your bank visited my house . He informed me still your care has not been blocked it can will be blocked after paying a some of rupees 200 /- . I also have an acknowledgement slip of Rs 200/ - which was payed after confirming to your customer care .
Know after three years i m surprised to know that amount deposited in my saving a/c ....... has been hold due to the transactions made in credit card which was not at my part .
It is again humbly requested you to waive of the credit card amount which was not done at my part and release the amount of my saving account no.[protected] . Other wise i will have to take help of consumer form.

MR.SHIV KUMAR
Account no.[protected]
Cust ID : 6493492

Respected Sir,

Credit Card No.[protected]

This is to inform you I had a Credit card of HDFC bank with the feature of smart pay and the sales person told me that the smart pay facility would be start from the card issuance date and utility bill pay directoly but the commitment was failed and due to that my insurance policy lapsed and suddenly after 6 months the smart facility active and paid the premium with interest but due to false commitment I had crashed, tore and stopped the card but bank has issued the statement.I had written so many letters to the bank with entire histroy after 2-3 yrs the I got the call from the bank for the same as sattlement (lumpsum amount from the total final amount) and I had paid (which I never used in any foam) sattlement amount as given by bank with bank exe commitment that the name should be removed from the CIBIL but still my name is not removed so request you to guide me for the further and process ahead.I had mailed to Nodal Manager of the bank but the situation remains the same.Due to miss information and communication of bank executive nowadays I have to suffer a lot.