Oct 16, 2019
Updated by S SREEKIRAN Sir, / Madam,
I owned a Credit Card with add-on card for my spouse from HDFC Bank (Branch at Entrenchment Road, East Marredpalli), but I could find no occassion for its usage since its possession in 2017. With effect from the month of May, 2018 messages started coming on my mobile that I was due Rs. 899/- or some other amount towards my credit card for which no statements were provided to me. Thinking that they are the charges for possessing of the card, I simply paid till May, 2019. The statement of charges, were, however, not provided to me on my registered mobile, on my registered email nor by tappal to my residential address. Finding it a big financial burden, I approached Mr. Ansari, the Relationship Manager of HDFC Branch from where I took the cards and requested him in the month of May, 2019, to cancel my credit cards ( Both Prime & Add-on). The original cards were taken, cut into pieces before me, enveloped in a cover along with my 'Cancellation Application' and had sent to Chennai. Even after that month also the credit card cell raised a debit of Rs. 1200/- which was paid by me duly informing Ms. Archana, concerned CTA Officer that I have cancelled my cards.
Yesterday i.e. on 15.10.2019, I received two letters of demand notice dated 05.10.2019 stating that the Bank has placed a Hold on Funds' in my captioned HDFC Bank a/c. by exercising the Bankers lien and Right of setoff option to the extent of the balance available in your captioned HDFC Bank a/c as on 05.10.2019. The Notice is also indicated that : Credit Card Balance as on date 05.10.2019 is Rs. 29, 364.14, extent of 'Hold on Fun ds' is Rs. 25, 837.00, and the date of Holds on Funds placed is 05.10.2019.
The outstanding charges of Rs. 29, 364.14 as on 05.10.2019 were not at all notified to me in the form of the statement and all of a sudden they raised this amount on my cancelled credit card. The notices are dated 05.10.2019 which were delivered to me on 15.10.2019 wherein 7 days time was given to me for the unauthorized charges paid to me. When I contacted Ms. Archana, the concerned Officer, to-day at 11:00 Hrs. she said she can not help in my case and adamently disconnected my call. My recalling to that number was invain.
When I contacted the customer care, the executive could inform me that the card is now being blocked since it was not blocked on my cancellation application.
Now, I request the concerned to please arrange to provide my total statement of the credit card account, the usage, the charges I paid vis-a-vis the final outstanding charges to be paid genuinely, so that I shall payoff and close my credit card account which facility was extended by HDFC Bank Ltd. to me charge a senior citizen unathorizedly and putting abruptly fund holding without any prior notice.
Samala Rajasekhar
Flat 30-268/81/101
Sailaja Arcade Santhoshimanagar Colony
Neredmet Secunderabad 500056
Greetings from HDFC Securities Ltd !!!
In order to address your concerns, we request you to share your trading account no. or write to us at "[email protected]". We will be happy to assist you.
Regards
Customer Care
HDFC Securities Ltd