HDFC Bank — unauthorized credit card charges

I am a hdfc bank credit card holder. The bank has auto debited rs. 1399/- from my credit card number ending with 4789 without my concern on date 01/12/2017 for oneassist mfee. It shows in my unbilled amount.

I am not interested about this service and don't want this membership any more. So i sumbitted a complaint on this forum (https://www.consumercomplaints.in) on 04/12/2017 and requested to cancel the membership and refund this debited amount of rs.1399/-.

On 05/12/2017, i got response from mr. Manoj (Hdfc bank customer assistance) and from mr. Sagar (Team oneassist). Mr. Sagar replied - "as per your request, we have cancelled your plan vide service request no. 2624739 & the refund will get processed in 7 working days".

But i am very much shocked by knowing that in spite of cancelling my oneassist fee, they converted it to smart emi (I. E.- loan) and also charged rs.100 for processing fee and rs.18 for gst.

I got email that -
—
"we are pleased to grant you smartemi as per the details stated below.
Loan no. Xxxxxxxxxxxxxxx8364
Unsecured loan type smartemi
Amount rs.1399.00
Fixed interest rate 1.50% p. M.
Tenure 3 months
Emi rs.480.39 (Excluding gst @ 18%)*
Processing fee rs.100.00
Preclosure charges 3% (Of principal outstanding at the time of closure) + gst @ 18%"
—

I have never opted for smartemi. Hdfc and oneassist once again made a mistake. They converted my oneassist mfee to smartemi. This is again an unauthorized transaction.

I contacted their customer care department by phone and also send emails on [protected]@oneassist.in, termloans. [protected]@hdfcbank.net, customerservices. [protected]@hdfcbank.com. I got acknowledgement receipt. But no action is taken. Till today (I. E.- 14/12/2017), my complaint is unsolved.

So both - hdfc bank & one assist - are kindly requested to:

1) stop unauthorized debiting various charges.
2) refund my oneassist mfee.
3) cancel my dial an emi of rs. 1399/-
4) refund my smartemi processing fee rs. 100/- + gst rs. 18/- along with interest charged + preclosure charges 3% + gst @ 18%.
5) please do not give me any more shock that could cause me a heart attack...!

Thanking you.