HDFC Bank — Unethical language

Unethical Language - HDFC credit card collection person

Hari - [protected]
[protected]

I'm Bhargavi Bandhu have an HDFC account with customer ID 40553726. I have a registered HDFC credit card with this account.

We have a good track record for last 3 years in bill payments. We were never late or without paying the credit card bill payment. Since the lockdown there is no business to pay the outstanding due amount.

However, I tried to pay by paying minimum dues of amounts Rs. 8528/- for July and Rs. 9501/- for August. But I observed that more than half of the amount (Rs. 5111/-) is being incurred as finance charges and interests and Rs. 1000/- as GST. And I paid Rs. 60, 000/- at once. In this COVID-19 crisis, we are struggling a lot and not even able to fulfill our basic needs. I wonder how you bank people can be so ruthless and only profit oriented.

If this is the case and you people want to take all the minimum dues paid as finance charges, then perhaps I will never be able to completely pay back the actual principal amount, because whatever I pay is incurred as finance charges and interests.

I humbly bow down and request you to kindly waive off the finance charges (which I have already paid) for last two months and adjust that amount in the current dues.

I once again request that I will be able to pay the principal amount and not the finance charges. (Please consider my previous track record that each and every bill was paid on time)

I sincerely thank HDFC Bank for its support in times of need.

Now I couldn't pay as I ran out of my funds and no source of income as all my ways are shut down due to COVID.

Credit card collection department had been calling and I requested to waive off the interest charges after COVID lockdown where I didn't use my card even once after that and do the settlement.
But they are insisting on paying minimum due rather than settling my account.
This is very embarrassing situation. They were very much unethical and I experienced do or die situation.

Below are the numbers I got call from and faced the issue.

Hari - [protected]
[protected]

I faced unethical language as I never cheated anyone for money and have ethics. I request for settlement and see to that I clear the amount excluding finance charges after Covid lockdown

Thanks & Regards
Bhargavi Bandhu