HDFC Bank — unauthorized credit card charges

Mike19

from Mumbai, Maharashtra

Address:

Mumbai City, Maharashtra, 400057

Dear sir/ madam,

This is pertaining to the credit card no. 4854 99xx xxxx 3318.

I confirm to have made payment of inr 1590/- through cheque no. 163192 on 28/01/2019. Cheque was dropped at hdfc bank atm drop box on 28/01/2019 which is 6 days prior due date of 03/02/2019.

Even though dropping the cheque 6 days prior due date the hdfc credit card division is charging me late payment fee which is not correct. This simply means that they are collecting the cheque payment late from their drop boxes and are trying to earn some additional amount from me.

In this matter, i have been requesting hdfc bank credit card customer service no.[protected] to waive off these charges however, all in vain.

I request you to take up the matter with hdfc bank card division, tamil nadu chennai and help to have the amount of inr 1294/- waived off for statement dt: 14/03/2019.

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HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Mar 26, 2019

HDFC Bank Customer Care's response Dear Customer,

We wish to clarify that, payment of at least the minimum amount due towards the card outstanding needs to be received by the bank to ensure that the card account is active and available for usage. Further, to avoid levy of finance charges and late payment charges, payment of the total outstanding needs to reach the bank by the payment due date. Specific to your card account, we are not in receipt of complete payments towards the outstanding as per the statement due date and in view of the same, bank charges as applicable was levied to your credit card account. Hence, we request you to effect payment towards the total amount due within the payment due date to avoid levy of bank charges. You may refer to the below link for details of the same. https://bit.ly/2k7MGwQ

-Zubin
HDFC Bank Customer Assistance

Apr 09, 2019

Updated by Mike19 Dear Sir,

I have already explained in my complaint that " I confirm to have made payment of inr 1590/- through cheque no. 163192 on 28/01/2019. Cheque was dropped at hdfc bank atm drop box on 28/01/2019 which is 6 days prior due date of 03/02/2019.

Even though dropping the cheque 6 days prior due date the hdfc credit card division is charging me late payment fee which is not correct. This simply means that they are collecting the cheque payment late from their drop boxes and are trying to earn some additional amount from me."

Kindly clarify on below:

1. At the first place why am I being charged late fee even after making payment 6 days prior due date of the statement?.
2. Does it take 6 days for any bank to clear local cheque?
3. Above all, why is the customer and not service provider to bear the loss due to service providers mistake??

This is not justified at all when a 10 year old Customer is genuinely making timely payments for each and every statement received from bank.

Jun 24, 2019

Updated by Mike19 TOP URGENT REQUEST IMMEDIATE ACTION

Dear Sir/ Madam,

Pls note I have not marked this particular complaint as RESOLVED as it is still NOT RESOLVED.
Request you to please reopen this particular complaint.

Kindly refer to my last message Dt: Apr 09, 2019 wherein HDFC Bank Credit Card team is not able to clarify on the points questioned.
On 15 June 2019, they have sent me SMS to pay total outstanding of INR 2, 789/-.
Also their third party credit information company is continuously harassing me to make payments.

This means it is a genuine case of fraud and cheating through which they want to earn from me.
Kindly help to waive off these unauthorized charges immediately.