HDFC Bank — Non Receipt of Statements regularly in time, and still being charged for it

Address:

Kolkata, West Bengal

My HDFC Card number is - [protected], and I am facing issues regarding statements of credit cards. 2 years back, I did not get statements for a few months, and after 4-5 months later again statements started coming, with added charges. My card became overlimit. I complained over phone, but I could understand that people who were calling me for payments were not from bank. They seemed agents or collection executives. I had personal problems, for paying full amount at once, but I kept on regularly paying the minimum monthly amount every month and have kept on doing this till november 2014. In fact the people who called from Bank said that I can pay the minimum amount due, and sometimes they even asked for the minimum amount only. Suddenly, from November 2014 I was started being pressurised to pay full amount and the person who called was calling at all odd hours of the day, and a letter was also sent that I was not reachable over phone, and various communications from bank were not attended by me. However, this is a complete wrong statement, as I was very much reachable and was speaking to their executives every month, and also making the minimum payments every month . On 8/12/2014, a letter was sent to me that my HDFC account is locked, and by 23/12/2014 I must pay the full amount, On 23/12/2014... Rs. 17537 was deducted from my account. Interesting this account is actually held by my Mother and not me, and is a Senior citizen account. I have a joint account here, and upon insistance from bank executives, I have made quite a few ATM transfers for the Credit card from this account. Then a person named Subir Singh (phn-[protected]) called me and told me that I need to deposit Rs.1000 more. Interestingly, this same person visited my home, and since I was not at house at that time, left his card, and I contacted him upon reciept of the same the very next day. Mr. Singh visited my home on 8/12/2014 and the letter from the Bank was also dated on the same date!!) I was in guwahati, and I made the Rs. 1000 payment in cash from there. Mr. Singh assured that all these payments will be reflected in my statement. The next month I did not get any statement!! No acknowledgement of payment made!! Called HDFC help line, they had no clue for my payment, or statement. They could not say anything, and said that they will arrange a callback in next 4 days.I am not going to accept the bank sending me a statement after 3 months, and then again ask for money. Please treat it as a formal complaint.