[Resolved]  HDFC Bank — unauthorized credit card charges

Address:

Ghaziabad, Uttar Pradesh, 201005

I posted the below query and it has been marked as resolved without even discussing with me. I will keep on posting until i get my solution.

I have a hdfc regalia credit card in ending with 7412 and i have an issue going on since jan 2017. The bill for the month of jan 2017 which i got on 13/01/2017 had total dues of rs. 4, 567.56 and the due date for the same was 02/02/2017. Due to some personal hardship i could not pay the dues in time and it was delayed by a week. I made the payment on 09/02/2017. I was expecting some interest to be levied in the next bill and i was ready to pay it. But when i received the next month's bill it showed total finance charges and interest of rs. 3, 778.92 which is around 83% of total due rs. 4, 567.56.

Immediately after seeing this i contacted the hdfc credit card customer card through email and told them to look into this and send me the details calculation of charges as i was not satisfied by the charges.

I asked for such details for around 2 months continuously but i never the details i asked for. I always got a reply that the interest and mark up fee has been charged at certain percentage and this is not in isolation of my card account only.

I even called the customer care for helping me provide the details but they also did not gave me any such details.

Then in october i got a call from the collection department of hdfc credit card saying that you have not paid the outstanding please clear it, i explained them the whole case, name of the lady is ms. Deepika. She told me that higher amount of charges are because i made a payment of rs 50, 000 on 15/01/2017 immediately after my jan bill got generated and since i missed the deadline interest has been charged at total outstanding amount and not just on 4567.56 which is totally [censored].

The payment that got late was rs. 4567.56 and the interest has been charged some other amount for which the bill is even not generated. After that i have been getting many phone calls from hdfc credit card for the payment and every time i have to explain them the whole case and nothing happens.

Once i told the executive to put a waiver request which also got rejected and my card is now blocked.

Through this complaint i want to inform hdfc that i am ready to pay the late charges for 4567.56 which is genuine but not on any other amount and even not the accumulated interest which has been getting calculated every month.