Hi,
I have a salary account with HDFC bank ltd Sec -18 Noida branch since August'2008 when i joined EXL service. suddenly on 1st March'09 when my salary is credited in my Salary account, i was not able to withdraw my funds late night as i required them due to medical emergencies.
Next day when i called up on Cust Care of HDFC, i was told that the funds have been help by Credit card Division due to some reasons. in some time, i get to know that there was Credit card issued in my name somewhere in 2007 on my previous orgnisation, which i have never asked for never signed any documents for issuing a credit card.
Credit card no which i was told is [protected]
further i was told that card was blocked in april or june 2008, however my new account was opened in August'08.i have been challenging how could a credit card be issued on my name without my prior permission, i should have any confirmation calls or application no. but none at the time of issuance.
however, i was told funds were put on hold as the required details were matching with the Credit card.
my funds got blocked with out informin about such scenario, my office address & mobile no. was already updated in the new account, through which they could have contacted me, but that didn't happen. infact when i was talking to an Associate in Jankapuri Credit card division on the telephone[protected], i explained all the facts & why should i suffer about this & being ill i required money, i asked them to release the funds & we can still work it out.but the guy Named SURESH started abusing with vulgar words which i fail to mention here & he blamed me as a theif without even listening to me.
On visiting Jankpuri branch, the same thing happened no one was ready to listen to me.
my debit acrd no. [protected]
amount debited without my consent 12702.47 on 16 march'09
my appeal to the forum is to help me with my case & guide me through as i dont want to lose my hard erned money due to banks negligence on issuing credit card on my name with out proper verification & rest of the formalities.
they have put my account on hold, so as soon as i recieve my salary it would again be held for such reasons.i have tried my best to come to some conclusion, infact i had word with Credit card associate from Mumbai called Shruti. They telling me i have to pay the amount around 70000 Rs for which iam not resonsible.
Details are
my debit card no. [protected]
Credit card - [protected]
amount debited with out my consent 12702.47
name - Vandana Pandey
mobile no. [protected]
Thanks,
Vandana
Sub: Complaint Against HDFC Bank Credit Card Division
Reference : HDFC CREDIT CARD NO: [protected].
Dear Sir,
I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card, my credit limit was Rs.2, 38, 000/- and after that Bank has revised and reduced the Credit Limit from Rs.2, 38, 000/- to Rs.1, 77, 000/-. I have used my Credit Limit and I have already paid Rs.2, 77, 371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.
On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.
If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that, I have made excess payment against my used amount.
Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife, not only that, they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately, otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.
Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me, Is it a Reputed Bank ???
My Credit Limit was Rs.1, 77, 000/- and I have paid Rs.2, 77, 371/-. If my intention was bad then, why I will make the payment for Rs.2, 77, 371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???
Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.
Thanks with Regards,
Manas Ray Chaudhury
Bhopal.
NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)
[protected]Mr. Sunil, Mr. Dubey [protected])