[Resolved]  HDFC Bank — wrong charges

Address:

New Delhi, Delhi

This is being communicate you people from last few months about charges which add in my account and which i suppose follow up with team and every time you just put cut paste reply and totally objection on your reply.

Now i am not going to pay gst-vps, late fee, anything which is not being use. Today just pay 3800 rest you please take care how you adjust the amount and also i am now going to file a complain on consumer court. As per legally you will not charge me my over limit of my credit card.

Thanks & regards
Ujjal kr bora
[protected]

On monday, 14 january, 2019, 7:37:13 pm ist, senior management wrote:

Dear mr. Bora,

This is in continuation to our recent e mail dated january 10, 2019 regarding your hdfc bank credit card account.

At the outset, we wish to confirm that the bank takes earnest efforts to resolve queries and ensure appropriate communication to our customers. It is concerning to note that your recent experience has been otherwise in this regard.

Upon receipt of your mail we have reviewed the card account in detail. We take this opportunity to clarify to you that, in the event of non receipt of payment or delayed payment or partial payment (Which is less than the minimum amount due), late payment charges/finance charges will be levied to the card account, as applicable.

Finance charges are charged of the following transactions:
• on all retail purchase transactions in the previous statement from the respective transaction
Date till the statement date.
• on the total outstanding amount from the statement date till the part payment date.
• on the outstanding balance till the next statement date.
• on the fresh purchases done thereafter, till the next billing cycle.

We observe from our records that your card usage has exceeded the credit limit assigned to your card account and hence attracted levy of overlimit fee. To explain it further when the outstanding on your card account exceeds your assigned credit limit, an overlimit fee of 2.5% of the overlimit amount subject to a minimum of rs.500.00 would get levied. We request you to effect a payment of the overlimit amount (If not done earlier) to regularize and make your card account available for further usage.

Specific to your card account, we note that we were in receipt of only partial payment and hence all the bank charges levied to your credit card account are valid. We regret that we are unable to accede your request to reverse the bank charges. We are hopeful you will appreciate that payments for atleast the minimum amount due is required to reach the bank by the payment due date to keep the account in regular status.

Our records indicate that we were not in receipt of any payment to cover even the minimum amount due towards your card account. We wish to clarify that the bank, in its usual course of business, establishes regular contacts with our customers to keep them updated on the status of their card and also to facilitate payment of any outstanding dues that might have missed their attention. Hence, our representatives had established contact with you at the numbers recorded with us. We hasten to assure you that the contacts were established to ensure continued availability of your card for your usage and were not meant to cause any inconvenience to you in any way. We request you to ensure that your complete payment towards the outstanding is received by the bank to preclude levy of bank charges in future and to avoid any payment follow ups. We seek your understanding in this regard.

In the event you seek any further assistance / clarification with regard to your credit card, please feel free to write to us at: customerservices. [protected]@hdfcbank.com and we shall be glad to assist you.

In line with our focus and commitment to customer service, we trust that this grievance redressal cell has addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. If you are not satisfied with the resolution, you may write to our principal nodal officer ms. Zenobia neville mehta at hdfc bank ltd., 5th floor, tower b, peninsula business park, ganpatrao kadam marg, lower parel (West), mumbai 400013 or e-mail at [protected]@hdfcbank.com or fax at[protected]
Alternatively you can call at tel:[protected].

Kindly note the query reference number for this correspondence is [protected].

Assuring you of our best services at all times.

Regards,

Manikandan p s
Manager - correspondence