[Resolved]  HDFC Bank — Service from hdfc bank

Address:

Kapurthala, Punjab, 144401

Hello,

My name is vikramjeet singh and i am holding hdfc diner club’s credit card. Credit card no is

[protected]

This is in reference to call received from your chandigarh office in regards to delay payment of credit

Card from my end today dated[protected].

I had one payment of my credit card that was due on[protected] but due to some reasons i could

Make it on time but the same will be done tomorrow.

My concern is regarding today’s call from your chandigarh office for follow up call to me to make

Payment of dues.

I attended the call and asked them that i shall make payment tomorrow and also apologise for not

Making timely payment.

My concern here is the personal and mental humiliation that i faced today by your bank’s executive.

During the call your executive have mentally humiliated me for not making payment and cursed me

Like anything in higher and hatred tone.

Even after my many apologises your executive insulted very absurdly. She was behaving if i had

Committed a heinous crime by not making timely payment for month only.

Your executive was also asking to make complete payment of card and to close the services. I have

Not seen any such guidelines in your docs where it is mentioned and customer has to be punished

With humiliation if he has defaulted in payment

I replied that it was my fault and i will make the same tomorrow. If there is any delay by me then i

Will pay the interest which is as per agreed guidelines with bank.

She was saying like,

Why are you not making payment on time?

Hdfc do not want to have customers like you.

Hdfc has doubt on my integrity.

Hdfc don’t want your interest but we need our payment.

You have used hdfc’s money in you bad time and now you are not paying. Is this the way that hdfc

Is giving credit card to use only in bad time.

Go to bank today wherever you are. Get the payment done any how today by any means.

Do not compare us with any other bank. We are hdfc.

The tone was so harsh and irritating if i have killed someone. Your executive was shouting like

Anything.

I want to know is this the way hdfc treat its customers. If i have defaulted any payment then i am

Paying interest. I am not in intention to not to pay the amount. I am attending all your calls.

Suppose even if have defaulted then there are procedures to recover money but bank has no right

To humiliate his customer.

But the way your people humiliated today, it has made me feel so depressed that i am some kind of

Criminal. For your information i pay all my tax on time to govt so i have no intentions like that.

For example, i have credit card for another reputed bank where i delay payment more than two

Months but never got such calls. I pay interest and there is no such issue and people who are

Following are very polite while communicating with us.

Credit cards are being given as a monetary power to customers for expense instead of hard cash

With a certain time grace to make payment and guidelines are also there of penalty for late payment

But there is no law written anywhere where bank can directly can take charge and blamed

Personally and put fingers on character of its customers.

I want to understand if hdfc promotes such way of communication with customers.

I want you to go through the ca and let me know how i would be able to recover for mental stress

That your executive has given me today. I am feeling very embarrassed the way i have been treated

By hdfc bank.

I am in such a shock that i am unable to continue my work and this call put me in such state on mind

That i am having feeling of criminal which is disturbing my inner self. This is all being the arrogance

From bank and the foul way of dealing with customers.

Need your action immediately and if required i will also take legal action to get this addressed.

Regards

Vikramjeet singh

Cell no-[protected]