HDFC Bank Complaints & Reviews

i have been getting threatning call from hdfc bank, iam a student and i was given card by hdfc bank now as iam not able to make the payment, they are calling at my land line number and harassing my parents and some times they say that we are calling from delhi high court and ask rishi to make the payment .i have told them many times that after six months i will get a job then i will settle the account .last time also they came to my home and told my mom to give the money otheerwise the consequence will not be good so my mom paid the money(minimum amount).now daily these people are calling on my landline and mobile number and threatning me and my parents

I have been a CC holder with HDFC BANK for over 5 years and have never faced such abusive and threatening calls for recovery.

This agent from tel. number has not only been abusive but also talking of dire consequences for a delayed payment even when assured that the payments will be made in 3 days since I am out of town.

While it is common that such complaints and grievances do not carry any weight and will be treated as yet another trash by general public who continues to suffer either at the hands of terror agents.

This kind of abuse from a respected institution like HDFC Bank or its gang member is very hurting.

He has not tell me his name and collection agency name on phone.

To,

The Manager
HDFC Standard Life

Subject: Non receipt of Policy Document, (Policy No[protected]

Dear Sir,

I, Amlan Purkayastha, have not received my Policy Document till date. I have been told
By the concerned agent that my Policy has been delivered at a wrong address.

For the last two months I have been taking pain in calling Customer Care, the Agent again and again.
But my complaint is not redressed yet. I even contacted Over Night courier, they too are unable to
Give any solution.

On 11th July 2009 I have been advised by the customer care executive to lodge a written complain. In this communication I have been informed that I am not required to pay the Indemnity
Charges (Ref. No- IPE 750324).

I, therefore, request you to do the needful for the procurement of my policy ASAP.
Need not to mention that I being a Classic Customer of HDFC (Customer Id 7403403),
Expect a timely and positive response from you.

Thanks & regards,

Amlan Purkayastha

Mobile No – [protected]
C-9, Ground Floor
Tagore Garden Extension
New Delhi- 27

Note*
Below I am giving the policy Detail including the Financial Consultant Details
Policy No:[protected]HDFC Savings Assurance Plan)
Date of Commencement[protected]

Financial Consultant Details
Name
Ms INDERPAL KAUR
E-mail
[protected]@hdfcinsurance.com
Phone
[protected]
Branch
HDFC Bank- Meerabagh
New Delhi- 87

Unwanted call from HDFC credit Card department

I am using Airtel prepaid conection and always call comes from HDFC Credit Card Department that I hold a credit card and my over due payment is left but never I had got credit card and never applyed this kind of things. I am Govt Emp in Survey of India as GIS Analys Engineer and I only use ICICI debet card.
I have a complain from this no[protected] & [protected] his name is Jitender and some time he unneccessary give missed calls and abusive in the phone. I had called police 100 and told them but nothing happend I am planing to take a good action for this now.

I just want that you pls inquire into this and make some arrangement so that he/she is not able to call/msg on my number.

I will charge this things to HDFC Credit Card Department for abusing and unneccesary calls in my number.

thanks
Jaanvi
[protected]

i am sub lieutenant shashank trivedi...i am a naval officer in indian navy...posted at karwar karnataka...there is no hdfc bank or atm in this town...i did a transaction of 10000 rs from sbi atm...the money gt deducted bt i didnt get the amount...i registered a complaint in hdfc complaint desk...and they said that after 12 working days the amount will be credited to my account but on the 13th day they call me up and say that the transaction which i did was successful and the money will not be credited back...what should i do now

Dear Team,

This is for your information that I have received a letter against the loan account no 12176844 on 5/6/2009 from “HDFC Bank Ltd. RETAIL ASSET DIVISION GILLANDER HOUSE, 1ST FLOOR A 1, 8 N S ROAD”. It is noticed that in that particular letter HDFC Bank Ltd. clearly indicated “we shall recover the possession of the said vehicle in the event you failed to pay the whole of the amount Rs. 3, 077.00”.

I am unable to know the reason for making the payment of Rs. 3077.00 to HDFC Bank Ltd. without any cheque bounce & other reason duly informed to me with proper evidence like cheque return memo since my bank statement with account no [protected] (Axis Bank Ltd.) shows there is no cheque bounce as such.

It is requested to shows some evidence for making payment since I already gave the PDCs (Post Dated Cheque) on date 5/3/2008. This is only harassing me & my family, since my parents are the aged person. There is endless call received for making the payment are herewith “[protected], [protected], [protected]”.

My intension for making the payment of Rs. 2288 without any charges since HDFC Bank Ltd still not provide any evidence for cheque bounce or other reason. It is like a water color picture with the tenure of 17 month not a single cheque bounce case appears.

Below mentioned are the PDCs details
Sl No Ch. Date Ch. No. Ch. Amount Name of the Bank
1 5/12/[protected] 2288.00 Axis Bank
2 5/1/2008 023363 2288.00 Axis Bank
3 5/2/2008 023364 2288.00 Axis Bank
4 5/3/2008 023365 2288.00 Axis Bank
5 5/4/2008 023366 2288.00 Axis Bank
6 5/5/2008 023367 2288.00 Axis Bank
7 5/6/2008 023368 2288.00 Axis Bank
8 5/7/2008 023369 2288.00 Axis Bank
9 5/8/2008 023370 2288.00 Axis Bank
10 5/9/2008 023371 2288.00 Axis Bank
11 5/10/[protected] 2288.00 Axis Bank
12 5/11/[protected] 2288.00 Axis Bank
13 5/12/[protected] 2288.00 Axis Bank
14 5/1/2009 023375 2288.00 Axis Bank
15 5/2/2009 023376 2288.00 Axis Bank
16 5/3/2009 023377 2288.00 Axis Bank
17 5/4/2009 023378 2288.00 Axis Bank
Red marked indicates amount is not clear without any reason from HDFC Bank Ltd.
It is requested to close the loan account no 12176844 on an urgent basis.
Please do needful as early as possible...
Thanks & Regards.

Kousik Adak
[protected]

HDFC Ltd. is illegaly charging higher home loan interest rate from its old customers whereas they are wooing new customers by offering them home loans at lower interest rates. A recent court ruling has also said that this is an illegal practice. See the link and the news article pasted below.

http://timesofindia.indiatimes.com/Chandigarh/Bank-to-pay-Rs-1-lakh-for-overhaul...⇄

Bank to pay Rs 1 lakh for overhauling loan account
8 Jul 2009, 0134 hrs IST, TNN

CHANDIGARH: Deciding a complaint filed by Panchkula resident Birbhan Goyal, the consumer forum held on Tuesday that enhancement in the rate of interest in the case of home loan is illegal and unwarranted. Imposing a penalty of Rs one lakh, which the bank will pay to Goyal, the forum said, ‘The bank is directed to overhaul accounts of all its loanees and bring the rate of interest at par with those at which the loan (home) is advanced to new customers from time to time, so that all its customers, whether old or new, who have opted for adjustable rate of interest pay the same rate of interest during any particular period.’

Stating that the finance company and the bank adopted unfair trade practice, the forum, headed by Jagroop Singh Mahal, held, ‘Whenever enhancement takes place, the rate would not be more than that at which loans are being advanced to new customers, meaning thereby that if after enhancement, loan is advanced to any new customer at a lower rate, the rate of interest of the complainant and all other loanees would also come down to the same level.’

After completing all formalities needed to avail a loan, Goyal entered into an agreement with a home finance company and the bank. A loan of Rs 37 lakh, which was to be paid in 180 instalments in a period of 15 years, was sanctioned and he started paying the instalments from March 2005 onwards on a regular basis. However, a letter took him by surprise in August 2008. The letter allegedly stated that the repayment schedule through EMIs was being revised to increase the repayment time from 180 to 502 months. He immediately approached the bank?s local branch and requested cancellation of the payment rescheduling but to no avail.

Denying allegations, ICICI Home Finance Company Ltd and ICICI Bank Limited, in their written reply, pleaded that the complainant had opted for floating rate of interest and due to increase in it, they had increased the tenure of repayment of monthly instalments to reduce the financial burden on Goyal.

Arguing before the forum, Goyal’s counsel stated that the finance company and bank adopted unfair trade practice by increasing rate of interest for old customers at a higher rate, whereas the prevailing rate of interest was much lower, which was depicted through their announcements and advertisements in the newspaper to attract new customers.

After hearing the pleas, the forum held that the interest rate of any old loanee would be lowered to bring it at par with the interest rate at which the loan is advanced by the bank to its new customers.

Respected Sir / Mam

2 weeks back I have lost my debit and credit card. I have informed the HDFC bank customer service to block my both the cards and they have done the same however after 2 days i have realized they have not blocked my card only but i m not able to do any online transactions as well from my account. The error which i m getting while using netbanking facility is "there is no Active ATM / Debit card linked to this account", therefore I am unable to take any money from my account. I have called the customer service and they said that its been done for my security however somebody should inform me in advance that if I block the card than I will not be able to access my account online however no one has given me that information. Due to my office work I could not manage to go to the branch to apply the new card and becuase of the same reason I was unable to pay my credit card min due amount of Rs. 3300 approximatley. Yesterday (8th July) i have received the call from the collection dept and they started threatning me and shouted at me. I was politely trying to make them understand that what is the problem and i will pay the amount asap once I get the cash from my account. I was in the middle of the meeting and they were harrasing me over the phone when i was talking to my clients. not only that they said if i dont pay the amount in 1 day i have to bear the consequnces, they can do anything with me. I have to disconnect the call because I was not able to tolerate the words which they were using. They said I am talking to a bank employee and they can talk the way they want. i am any roadside crap if they are the bank employee, does govt given them any title of padmabhushan or padmashree. Have they been given doctarte title becuase of their services to the country so what does "bank employee means". Suddenly after that i had called to HDFC Branch Manager - Bomannahali (Bangalore Hosur Road) and spoken to Sumati (Branch Manager) and explained her everything. I have given her the number from where i was getting the collection calls. Today (9th July) I went to one of the HDFC Branch (Bomanahalli - Hosur Road) and take the cash from my account and paid the payment in cash. however in the evening I have received the call from collection dept and they started harrasing me, and threatning me and used some of the abusive words as well. When i have asked them to be polite and speak to the bank manager as i do not wish to talk to them the lady name called Sona and Executive called Manuel said i have to be ready to bear the consequnces, and i dont know what they can do with me. They have told me I am the bank defaulter and a customer that should not have a respect to even have a bank account. Is this why we have private banks. Is this what I need to listen when i have lost my card and trying to manage without money. is this wat called a customer service which HDFC gives a commitment or advertisement of... This is simply demotivating, and painful to deal with HDFC. I am not a criminal who have done a big fraud ... I am supposed to pay 3000 rs and my 32000 right now is blocked in my saving account which i can not touch / use / take.

Please do the needful as I am really been treted like a road side crap as a customer. I have been abused / threatned by the bank employee.

Regards
Ruchi Arora

i had a personal loan with HDFC bank. Near the completion of the loan my communication address got changed. I called the customer care before the account closure for changing the communication address and the executive told me that it can be changed only after the account gets closed. Next i called again after my last EMI payment and this time the executive said that as the loan account is closed so no changes can be made. For collecting the NOC letter i have to visit their branch and nothing else can be done.

To top it the executive (Mr. Eman from JP Nagar branch in Bangalore) said that i was accusing the bank and no executive can provide such misleading information.

Dated: 26/06/09
To HDFC Bank
India

To whomsoever it may concern (HDFC CREDIT CARD STATEMENT - [protected])

This is to bring to your notice that as per the card statement sent by you it is clear that there were no dues pending on since Feb- Mar 2004. The statement with statement date 26/08/04 shows and confirms the same. We have cancelled the card in four pieces and dropped in Koramangala branch in person before leaving India in Feb 04. The proof can be established from the fact that there were no transactions for a regular history card after Feb 04 and there were dues pending to be paid.

However, HDFC bank officials have not updated the records or for whatever reasons, the credit card dep’t has levied an annual charges on my card to the tune of Rs 756/- and sent to my old address which I had vacated long back. This was not even followed on my cell no[protected] being active since 2002 to till date and also on my email ids ([protected]@in.ibm.com & [protected]@yahoo.com). With no response to pay these charges and they got accumulated without any follow up with year on year charges on account of late payment fee of Rs 165+ and is showing a big outstanding due. The first call I received for some dues was on Dec 08, to which I replied that I hold no credit card from HDFC. Further, I received no response and kept on increasing the dues without my knowledge. The card is suspended and charges due against my name reported to authorities without my knowledge.

This is a clear case of harassment of the consumers and in a bid to sell the cards at whatever cost, HDFC credit cards guys have played with our records and blemished the credit history. The utter negligence and sheer callousness of some HDFC officials has become a reason of dispute on my cbil history. .

Pl treat this matter seriously & revert the amounts entirely to restore my CBIL history ASAP.

I can be reached on the following contacts below for any clarifications. Alternatively, now being in India, I use credit cards and if the same is reissued with all dues reversed and history restored will be happy to use and take forward.

Waiting to hear from you,

Regards




Uttam Kedia
uttam.[protected]@gmail.com

Sir,
I have taken a personal loan from Hdfc account no.12639936 last year jan2008. I am regularly depositing the instalments. Unfortunately I don’t have any job since
10th Nov2008, But still somehow i am arranging the emi amount & submitting the same. Last month i have received a call from Hdfc collection department named RK puri, (phone no.[protected], i told him that i am unable to pay the emi this month as i still don’t have any job & i’ll try to submit on next month. He told me that if i’ll submit one more emi they will provide me the 6th month duration time for submitting the rest emi as i do not have any job. After that i had arranged somehow & submitted the Emi. I knew that i will not get any time & still i have to submit the emi. Now on dated 20th/Jun/09 when i was out of station & only my mother was present at home ...two people from hdfc collection department came & told my mother that they have come from coat & they are going to paste a notice on our house and also they were shouting at top of their voice, they used very rough language. Ist of all they should make a call before coming to my place. Without my knowledge they came to my house, harassed my mom & collected the emi. They told my mom that anyhow she has to give the emi otherwise they will take action. My mother really got scared & she started crying to see their behaviour.
The behaviour of recovery persons who visit my home was not good at all & i really really want you to take some action against them. You can also see my record, i have paid the emi regularly, i do not have any job since nov’08 but still somehow i am giving the emi. But as i have not paid only 1 ½ emi the people from collection department came to my place without informing me & also harassed my mother & collected the EMI. Which is really really not tolerable.
Please look into the matter and take some action. I have also registerd the complaint against these people in HDFC, my complaint no is[protected]. The receipt no of emi is 17310491. There is a stamp on the receipt from SAB. One of the guy was saying that he is a hdfc sales manager & the other guy name was Kapil.

For any further query please call me at [protected]/ [protected].

Ms Tumpa ray.
New Delhi.

Dear Sir/ Madam,

I have been holding HDFC credit card for more than a year and 3 months and have been paying the minimum payment on time inspite of getting the credit card statement from the bank. However, they have blocked my saving Account to get their money recovered without intimating me about the same.

Do you take the complaints seriously as I have been seeing lots of complaint against them but no result posted.

Now, I am in urgent need of money and not getting any help from the Bank.

Regards,

Manish Behl
[protected]

Hello Sir,

Actually i use the credit card when i am unable to use debit card- like ticket booking where i am unable to use debit card-this occurs in rare cases the same way i used to book ticket using credit card -(52605), i was unaware of due date-thinking not 55days over... i didnt receive any sms alerts even, usually i get lot of sms alerts as 5% off for this that like that, which i need to delete immediatedly as i should not occupy more spacein my mailbox...this messages are unnecessary where i should have received prestatement alert- which would have helped me.

when i enquired to customer care n no. of times they said they waved of late fee- what about additional charges which now reached as 3000+ due.
i never use this for buying on credits any thing. Only when i am unable to use my debit card i use this credit card, and immediately make the full payment of purchase.so i request you to please look into this and wave all those off and do me justice, today(7/2/09) alone i called 4 times, as usual most of the time server was down and atlast one staff was telling -'only today'-- that for sms alert yrly pament of Rs98 should have been done... if that is the case they should have informed this prior and i would have paid for it. it would have solved all the problems. why none of your staff has informed me about this prior... so they just got this answer today and passing it to customers... Arent we paying for sms alert in mobile phones, same is this case, we have a debit account, upon it we get the credit card, and you say fees is there...ok... why you people did inform this prior, if sending prestatement is costing you.. then how come you people are sending the advertisement sms as discount..x% on purchase of dress.. or what ever etc... Those were unnecessary compared to the interest, tax you are levying on amount due for payment.

Some banks even we dont have debit account in them send us the pre-statement alert in mail and sms. Are they not thinking of customers..?

So i request you to wave those extra fee which you have levyed on my card.. so that i dont have any due.. with respect to your answer to my queries/grievances i have to prepare myself about continuing with the card. Please answer me in detail.Also please send me the cummulative statement from the purchase of that ticket-in makemytrip which amounts to 52605 till today.

-----

after this mail, i didn't receive any response they didnt send me any statements for that mail, but they never fail to put interest above interest to- a non exitence purchase for which i paid after talking to a customer care person, she told she will be waiving all related interest and latefee, so i gave a check payment for the purchase bill+200 she told its service tax, a person came and collected at my house, why should she false promise and later says only latefee could be waved off, if that is thecase then i would not have paid at all, i would have seeked legal/other raised complaint like this, after this i had some person problem because of that i could not follow vigroulsy, but i have called your customer care many times, i have my telephone bill, i can show you all the phone call for this purpose, , now i am again into sorting this vigroulsy, but the customer care people are not at all co-operative, one customer care person say i need to pay 125+service tax to get a cumulative statement for any month before 6 months from now, so even for jan2009 i need to pay 125+service tax, what about the statement not send by customer care dept, even after my email request, till then i didnt receive any cumulative statemtent.

because as they have failed to send my statement for the feburary 2009 email where i have asked statement from the ticket purchase date(23/09/2008) to then till till date(07-feb-2-2009) as August 6 2008 till feb 6 2009 is six months only.so i am entitled for a cummulative statement till date.

Pls do justice to me for which out of nothing a interest came and it got accumulated nearly to Rs5000
till date. pls do favor by looking into this case.

Thanks

Dear Sir,


MY HDFC BANK DEBIT CARD NO IS [protected] AND SB NRE A/C NO. [protected] (VIJAY KUMAR SHARMA)

I HAD USED MY HDFC BANK DEBIT CARD AT ONE OF ICICI BANK ATM LOCATED AT OPPOSITE OM TOWER, CHURCH ROAD, MI ROAD, JAIPUR, INDIA ON 04 JULY 2009.

ON 04 JULY 2009 I CHECKED MY BALANCE, IT SHOWED 9555.07 BY TXN NO. 5890 DATED 04/07/09.

THEN I TRY FOR WITHDRAWL OF 6600/-, BUT TRANSACTION DECLINED BY TXN NO. 5891 DATED 04/07/09,
AND RESPONSE CODE 072 ( UNABLE TO PROCESS).

THEN AGAIN I TRY FOR WITHDRAWL, BUT TRANSACTION AGAIN DECLINED BY TXN NO. 5892 DATED 04/07/09,
AND RESPONSE CODE 058 ( INSUFFICIENT FUNDS).

THEN I TRY BALANCE INQUIRY, BY TXN NO. 5893 DATED 04/07/09, IT SHOWED 2955.07/- INSTEAD OF 9555.07.

I DID NOT GET ANY MONEY FROM ATM THEN WHERE MY AMOUNT OF 6600/- HAD GONE.

ALSO TODAY ON 06 JULY 2009 WHEN I CHECKED MY BALANCE AT HDFC ATM BY MINI STATEMENT IT SHOWS DEBIT TXN OF 6600/- DATED 04 JULY 2009.

KINDLY DO NEEDFUL ASAP.


Regards,
VIJAY KUMAR SHARMA
0, [protected].
[protected]

Dear Sir,

I 'm using HDFC BANK Credit card from last 2 years, i paid all the month minimum due amount last two not paid. for that they locked my hdfc bank salary account and they block all the money and they taken for the creditcard payment. without informing me they blocked my salary account and money. if we call to the cust care people they are telling account and money not to be release. Plase enquire about it.

Thanks,
Karthik

I want to return the policy as I have not been given
the policy which i opted for. I opted for pension plan with a monthly
premium of Rs 2000/- for the duration of 03 years whereas I have been given Young Star Plus-II with the monthly premium of Rs 2500/- for the duration of 10 years. Alteration to my opted policy can be seen on the application form which must have been done by the agent to suit his own benefits in terms of commission. I have complained the very moment II got to see the policy details over net several times but got no result so far. My previous complaint no & interection id are - 69280 and 8339, 2706 repectively but no satisfactory reply from the company. I am working in IAF and posted at Air Force Station Trivandrum, Kerala & don't have sufficient time to visit my home branch. Thereby I intend to get my policy terminated as soon as possible.
Policy Number/Client ID:[protected]
Contact No.- [protected] / [protected]

I have filed the complaint mentioned below which explains the case:

Dear Mr. Giridhar

I was shocked to receive a letter from your credit card division for the Card no. [protected] which shows an outstanding amount of Rs. 12622.72.

I would like to remind the HDFC Bank authorities that it was your salespersons who walked into our government institution and after a lot of pleading they got savings bank accounts (salary accounts) cases prepared and opened for our staff which none o[censored]s availed. None o[censored]s deposited any money into these accounts as our salary accounts were already active with SBI. This was explained to your salespersons but they were bent upon just achieving their sales target. The savings account opened in my name was #[protected].
Along with this they also pushed credit cards on a few of our officers. As I already had a Gold Credit card from another company, I was reluctant to get another but the salesperson pressurized the whole staff and some o[censored]s got the cards made to satisfy the poor guys. I just made a single transaction on that card and surrendered the card after paying the dues as well following the prescribed format of cutting the card and dropping it in the HDFC ATM drop box along with the due amount. There were a few hiccups after which your helpline on the phone informed me that my account was settled and the card was no longer valid as it had been returned along with the payment.

NOW, FOUR YEARS LATER YOU SEND ME A LETTER CLAIMING THE ABOVE AMOUNT AND THREATENING LEGAL ACTION. THIS IS HIGHLY OBJECTIONABLE, ESPECIALLY THE PARA IN THE LETTER THAT YOU HAVE SHARED MY PRIVATE INFORMATION WITH OTHER BANKS AND INSTITUTIONS.

IF YOU DO NOT CORRECT THE SITUATION, IT IS I WHO WILL SUE YOUR BANK FOR LIBEL AND DAMAGE TO MY REPUTATION.

The Bank has renewed FDRs automatic for 2 year 15 days @6% p a. The Bank has kept special rate for 6month 16 days, 9 moth 16 days, 1year 16days, 2year 16 days. The Bank is renewing FDRs for 2 year15 days 15 days @ 6% pa.whereas they 0ffer 7.25 % for 2 year 16 days. why give 1% less for by renewing for one day less tenure.
The customer care officer say you can get the FDR cancelled by sending mandate signed by all the holders. This way we shall bel loosing interest for the period form the date of maturity to the date of cancellation.
Definitely there is deficiency of service. Kindly see their rate structure.

I am Manish Jha. I worked in HDFC Bank Ltd in Gurgaon at Khandsa branch as a Team leader. I joined HDFC Bank Ltd. on 19thDecember, 2008. My employee code is CM15162. My interview has been taken by S.M (Mr. Gaurav Goyal) and fixed up my salary Rs.12000/- p.m.I was given branch at Cyber city in gurgaon and there was no facility to mark my attendance. I worked hard for two months but I got neither appointment letter nor salary, even my salary account has not been opened. I asked to S.M about salary then he replied “You have not salary account yet, so you will get your salary within two months after opening your salary account. It was shocking moment for me because he had no time to open my salary account so it was uncertain that when I will get my salary even if he open my salary account that very moment despite that I will get it after four months of joining the organisation.I was facing severe financial crisis that time so I asked him any idea to get my salary within a month then he adviced to give resignation and said “you will get D.D. of your salary in 15 days against your 57 working days. So I gave him resignation on 16th feb, 2009. Now more than 4 months have been passed and whenever I make him call he says financial year[protected] has been closed so you can’t get your salary. After a long telephonic conversation he agreed to pay Rs.13000/- only and paid the same on 26/06/2009.But this amount doesn’t justify my 57 days hard work according my fixed salary. Still I am passing through mounting mental pressure and financial crisis.

Dear Sir,

This is to inform you that I am suffering from a cheating case of credit card no:[protected] On 19th june09 I received a call from telecaller([protected]) that I have made purchases of 24100/ through the mentioned credit card During march06 & total outstanding of the card is around 56000/- including interest, and you have to pay Rs 22000/- with in next three days to avoid any legal action. I was surprised after listing this because I havent received this credit card. I told that lady that when I was in Gurgaon working with matrix cellular services I have applied for a HDFC bank credit card but after that I resigned that organization & moved to lucknow. So my question is that how bank can deliver the credit card & even pin no(reflecting in Rs 4000/-cash transaction) to a wrong person, without taking my personal details proof. On asking the delivery details of the card they are unable to answer.After that I have taken the number of their Manager Anupam Sudha([protected]) to know more about the case she told that your statement of accounts have been sent to my office & bank is doing written communication from last three years. But I havent received a single statement till date, bank have my permanent address & my email ID also so why I have not been communicated to my permanent address. Now I felled harassed thru the entire case. On 20th june09 at 11.45 AM I received call from Banks legal advocate(Mr. Amit Tayagi) that bank has sent you the legal notice to you two times & if you do not settle the payment before 3PM a warrant will be issued against you & police will came to your home along with an advocate & take total outstanding of Rs 56000/- or objects of the same cost or arrest you. For settlement they told me to contact Siddharth Pandaya at HDFC bank . I went to bank & met with the same person, coincidentally Mr. Ashish Kumar Sharma(Deputy Mgr- Debt Mgt) from HDFC bank cards division was there I told the entire case to them but they told that he is from collection department they only settle your outstanding. In bank he checked the details of the card thru an online software but important details like DOB(20/06/1981 Actual against 19/02/1980 in system detail) phone nos at that time was wrong in spite of this they suggested to settle that outstanding. I have asked the concerned person to provide me disputed deceleration form to settle to avoid any legal action but they denied that they have not any provision of that you have to settle the outstanding & then you communicate to customer care over the case. So for a credit card which I have never received and in that important information like DOB, Phone no, Delhis Local address are wrong how can I pay for that even after getting threat of legal warrant. On 20th June 09 I also requested to send the copy of application form, Statement of account, Details of communication if any to my permanent address which is still awaited.

After this.due to continuous harassement from the bank officers mentioned Above. I have deposited Rs. 22, 000/- (Rs. Twenty Two Thousand) on 24/06/2009, Receipt No. C 17235107, settlement reference no. S 0530503. I would like to further state below facts.

1) I have never received the credit card.
2) I have never received any statement of a/c from the bank.
3) No communication has been made to my permanent address mentioned in the application form.
4) At the date of deposit of the payment by me, i have crosschecked the personal details mentioned in the bank's software against credit card no. [protected]. The date of birth mentioned in Bank's record is wrong. Phone No. mentioned in the Bank's record is wrong.
5)Deputy Manager - Debt Management, New Delhi, Mr. Ashish Kumar Sharma, was not able to provide any proof of delivery of the card/pin no. to me.
6) I have requested for a copy of application form, which was filled by me, which has not been provided to me till date.