Mr Parag Rao
Executive Vice President
(credit cards and product portfolio)
HDFC Bank Ltd.
Sub:I would like to highlight the Professional way for the Collection Method by HDFC BANK
Thanks for the reply by one of your Assistant Vice President(Debt Management - Credit Cards).
However, I am not satisfied at all with your reply...
This shows that HDFC Bank has no value for the time, respect, and money of your customer.
In the reply, I did not find any serious concern for the mental torture and the harassments caused to my family by your HDFC BANK.
I would like to highlight the Professional way for the Collection Method by HDFC BANK :
Specific to my repeated explanation regarding the payment follow-up calls and the professional method by HDFC, I hereby notify that
your Bank's representative had initiated intimidating phone-calls to my family in my absence by making unprofessional way of a routine payment follow-up call.
They used to pretend themselves some time senior police officer or some time a senior lawyer from Patiala Court .
They unleashed repeated threatening to my wife as well as my entire family that they were coming to seal off my home in any moment of time.
They were repeatedly scaring my family by saying that “ Right now, we are at Jamia Police Station so get the entire belonging out of home
within an hour and we are coming with a police to seal off the house”.
They called my home from the phone numbers (mentioned below).
Of course, this was one of the outstanding professional drives of HDFC to facilitate my payment towards the card outstanding.
Obviously, the same had been done in your usual course of business and was not intended to inconvenience me in any way!! (as per your views).
Beyond the limit, my family was time and again mentally tortured and harassed which might have led to come across any kind o[censored]ntoward serious consequences.
When I had brought this to the notice of HDFC, I received the reply “ We sincerely regret any inconvenience this may have caused you.”
This entire episode looked like they were dealing with a defaulter customer.
Although, I had reiterated that when I had received the reply to the letter on May 27, 2004 from {Rupande Thanawal(Customer Service Officer- HDFC)}saying that except
the amount of RS= 15396.00 the credit had already been processed. An investigation is on for RS= 15396.00.. I had sent a request after getting the reply of June 11, 2004 by the same Bank representative.
I had received the reply dated 19 Oct 2004 in the end of the October 2004 by Anand C (Customer Service Officer- HDFC ).I was advised to make the payment for the outstanding .Then again, I sent a letter to HDFC requesting to reconsider my claim and make a thorough investigation for the transaction RS= 15396.00 (Tayland Turizm).
I had received a phone Call around third week of November 2004 in reply of my letter, by Mr Sumit introducing me as Manager for Credit Card division – and he had given me
the address which was :C 2324 Janakpuri Cinema complex, Pamkhan Road Behind Petroleum Pump, Janakpuri, New Delhi
During the discussion over the phone Mr Sumit himself approved that my Credit Card Bill Payment history and the credit back ground was smooth and satisfactory .
He said that all kinds of bill were paid on time from my side except this Rs. 15396.00( Tayland Turizm) is pending . He showed his willingness to settle this dispute and move on.
He did express that he had some positive feeling about the entire situation. He advised me to visit to HDFC -Janakpuri Office and sit together with him so that he would settle this problem.
I had told him that I would be out of city .I would come back after two weeks in the first week of DEC 2004 then I would meet him.
From my side, I was already in constant touch with the Bank. The real authorized and decision making person had already given me assurance to have
this very issue settle down amicably.
So why was HDFC in such a hurry???
HDFC Bank rushed to my account (Saving Account :[protected] and withdrew my entire Savings (Fund TRF-DM-[protected])on 23/11/1004 without serving any prior notice to me.
Was I running away with HDFC money or was I really untraceable ?????
Amazing! Professional way of HDFC Bank???
Specifically during that time, when my wife was expecting my first baby. I do remember, I had gone to the doctor on 4th December 2004 for the further emergency check-up for my wife .
At that crucial time, I utmost needed huge money and naturally I looked towards HDFC ATM with full trust .I went to the HDFC ATM to withdraw my own money.
To my utter amazement and surprise, I found, my Saving Account balance[protected] was ZERO!!!
I was in state of panic and frustration over the missing money from my saving account . I am very sure that HDFC is not sensitive enough to realize the horrible situation that I was put into by HDFC BANK itself. The entire follow –up episode highlights the very inhumane dealings, as well as insensitivities of HDFC BANK towards its loyal Customer like me (with clean payment records and a big amount of investments through HDFC Bank).
And I felt like ...Cursed be the moment when I chose HDFC Bank for my financial needs.
This was the inner feelings and bitter experience towards HDFC Bank of from a customer like me. I will never and ever forget that experience in my entire life.
For that period of time, it was my utter priority to have my wife’s Medical-Checkup done immediately.
In response to this worst unprofessional behavior on part of HDFC Bank, the only reply, I receive is: “We sincerely regret any inconvenience this may have caused you.”
I could not figure out the impetuous and irrational action of HDFC Bank !!!
The Bank showed neither responsibility, nor any so called professional courtesy to at least inform the customer before withdrawing the customer’s money without any valid reason.
Whereas, In the third week of November 2004, I had received the phone call and the advice and willingness on part of the concerned person Mr Sumit ( Manager for Credit Card division) to get the issue settled. we had arrived to an agreement that we would be sitting together to come out with an amicable settlement in the first week of December 2004.
I had even received the letter dated 19 Oct 2004( in the end of October 2004). In response, I had sent a written letter requesting to review the investigation (first week of November).
In this intense flurry of activities, my money in the saving account[protected] was reduced to ZERO!!!
Is this the very professional way of trust building that HDFC promotes towards its customer in past, present and future ???
I would like to inform that my family lost peace of mind due to unprofessional ways of follow -up calls by HDFC Bank towards the outstanding payment.
HDFC Bank lost its professional commitments towards customer like me. The phone callers were persons like Mr G I Dogra and Sangeeta
from HDFC-Collection department ( bragging on their names resembling with the last name of either senior police officer or reputed lawyers ).
Whereas my name was looked upon by them to be from minority community with no power to manipulate and influence the situation.
This was the sole reason behind that boastful calls made by HDFC's Rep over the phone with threatening
like "" I am in Jamia Nagar police Station with the court order for House-to be sealed. So get out of house immediately with your belongings or deposit
the outstanding within 2 hours...those threatening, for sure, caused a horrific situation for my family(my wife, my mother and my little 9 month baby ).
I was terribly upset and disturbed till the evening of the day, being out of city.
Those calls came from G I Dogra(claiming to be a senior Advocate, Phone NO: [protected] ) threatening to seal the home.
Similar calls made claiming to be from Tees Hazari Court (Phone NO :[protected], [protected]).
Again, a call was received claiming to be from Gurhgaon Police Station (Phone No: [protected]).
What a mockery!! One of the call came from Sangeeta PS claiming herself to be a Senior Judge(Phone NO: [protected], [protected], [protected], [protected] ).
Obviously, I am looking for answers!!!
Why was I the ‘Chosen One’ to go through this turmoil which caused me immense mental pain and snatched the peace of mind of my entire family.
In addition, this unprofessional dealings of HDFC tarnished my image among my neighbor and community .
I will be looking forward to get the answers soon.( before reaching towards any amicable settlement)
Regards
Sajid Anjum
Credit Card No : [protected]
Saving Account :[protected]
66 Noor Nagar, 2nd Floor, Opp GGSS School
Jamia Nagar, New Delhi :110025
Tel:26917388
Aug 14, 2020
Complaint marked as Resolved 
So Plese do the needful