Reserve Bank of India [RBI] Complaints & Reviews

Apr 25, 2018

Updated by logu_hockey Dear RBI Officer,
Very Good Afternoon,
Let me introduce Myself Loganathan working in Financial Inustry for the past 10 years.
This is with reference to my complaint lodged at HDFC credit card section Iam not satisfied with their reply because my complaint still stands unresolved. Hence I have been forced by them to complaint to you.
With reference to the reply mail given by HDFC credit card section, according to their reply will address my concerns point by point in a clear manner.
* My mail dated 19 March 2018, as confirmed by HDFC card section in the below mail in yellow below (Point num 1). I would like to highlight that I have not received any call from them after 19 March 2018. Hope this is there standard automatic steriotypic reply for all clients.
* I agree with your point num : 2 which states that due to non-payment I have been charges levied and added in my credit card outstanding which I have to make full payment along with charges. Here I would like to highlight my savings account was already had been lien marked and lien marked amount along with interest till 1 March 2018 was accepted and paid( Full outstanding balnce of INR 10177.10 as on 1 March 2018 was deducted from my saving account) This can be proved with HDFC netbanking statment.
* We wish you inform to your attention that my main complaint is that the point number 3 in the below mail contains the false information (Highlighted in Yellow for your quick reference). My saving account was already lien marked before 1 March 2018 for the amount of INR 10177.10 and the my card outstading debit should have been cleared already on the same day 1 March 2018(From my credited salary on 1 March 2018 already you have debited the total card outstanding) Keeping the debit in my card account from 1 March 2018 to 16 March 2018 and increasing my debit amount from INR 10177.10 to INR 11316.51 is the fault of HDFC bank card section.
On the other hand from 1 March 2018 itself I have been insisted through my various mails to make my card outstading NIL . But keeping sillence and increased day by day interest from 1 March 2018 to 16 March 2018, and after that bank is informing that “an amount of Rs.11, 316.51 has been claimed from your HDFC Bank account  079 xxxx xxxx 848 on 16.03.2018 and adjusted against dues outstanding on the subject card account”  which is not acceptable and not the fault of mine.
I humbly request you to help in refunding the excess interest of INR 1139.51 to my HDFC savings account on priority.
Regards,
Loganathan
Mob : [protected]

Mail received from HDFC Bank cards section :

Dear Mr.Loganathan,                                 
This is in continuation to our interim response dated 19.03.2018 regarding your HDFC Bank credit card account bearing number  489377XXXXXX0343.
 
1.) On receipt of your email,  our bank representatives had attempted to establish contact with you at the numbers registered with us. However, our multiple efforts in this regard were not successful. In view of the same, we request you to revert to us with your latest contact details along with your convenient time of availability for us to assist you further.  
 
2.) Our records indicate that we were not in receipt of complete payments towards the outstanding dues on your card account. In case of continuous non repayment/irregular payments, bank charges will be levied, the card will be invalidated from further usage and the card membership shall be withdrawn with immediate effect. Subsequently, the outstanding balance on your card account becomes immediately payable.
3.) We draw your attention to our cardmember agreement wherein it clearly states that the Bank, at any time and without notice, will have the right of lien and set off on all collateral's belonging to the cardmember. Collateral's, being any amount standing to their credit in any account whatsoever with the bank or in possession or custody of the bank. Accordingly, lien was placed by the bank to recover dues outstanding on your card account. In the absence of a positive revert/payment,   we wish to confirm that the Bank invoked the lien placed on your bank account and an amount of Rs.11, 316.51 has been claimed from your HDFC Bank account  079 xxxx xxxx 848 on 16.03.2018 and adjusted against dues outstanding on the subject card account.  
Due to continuous non-repayment on your card account, the same was invalidated from further usage. We acknowledge receipt of complete payment towards the credit card dues. Hence, there is no further outstanding payable on your card account as on date. The details of your credit card account shall be updated in the CIBIL database as per the laid down guidelines.
 
We have arranged to send the scan copy of NOC as requested by you and the same will be sent from the mail id CreditCardOps.[protected]@hdfcbank.net. We also wish to confirm the scan copy is password protected and the details of the password will be available in the same mail.  

May 08, 2018

Updated by VKrish2018 Dear Sir,

On my complaint to your concern I received the following mail from you on
Grahakseva Apr 19, 2018 as follows:

Dear Consumer,

Complaint Board is pleased to let you know that we have done an investigation on your query with subject - " True or False", on Apr 15, 2018, on Complaint wire under Complaint Board, Ministry of Justice, India.

Your funds are true and have been deposited in Reserve Bank Of India, Delhi. Please contact RBI Officially and Immediately to Mr. Anish Patel on +91 [protected], the Principal Secretary to the RBI Chief of Foreign Funds and file your claims.

Feel free to contact us should you have more questions!

Regards,
Complaint Board Investigation Team
[protected][protected][protected][protected][protected]--------

Therefore, on my personal quary with the RBI Guwahati and RBI Mumbai such kind of things as said by your concern is not true. As RBI do not take any fee or charges for any kind of money be it lottery or else as it doesn't deal with it and RBI never communicate directly to any private person other than it's own officials. As per your instruction I contacted this person called Anish Patel believed to be RBI official but to my surprise he has also minted some amount of money from in the name of fee and that. I have the details and can provide you if needed. While I have already given a message to you earlier regarding this but nothing is heard from your concern as yet.

Now I request you please return my money whatever I have deposited in the name of fee etc. through your official Anish Patel if all these are false and fake. This person already has my Account No. so money can be transferred easily and at any time.

Thank you.

Apr 20, 2018

Updated by kieranil Reply from the acquired merchant NETELLER
Dear DR R ANIL KUMAR,
Thank you for contacting us.

We can confirm that the card ending in XXXX has been used in our system for a deposit in e-wallet and respective e-money were used.

Our records indicate that the transaction was duly processed by NETELLER based on your bank’s authorization and the successful confirmation of details only you and your bank should be aware of.

To prevent fraudulent activity in the future, we have taken measures to ensure that the above-mentioned card cannot be used in our system anymore. What you should be aware of is that since your personal and financial details have been compromised outside our system, we are not in the position to investigate or provide information on the person who abused your details. That being said, we strongly recommend that you request a separate investigation with the Police or other competent authorities.

To support an official Police investigation, we will make sure to provide to the Police payment details, IP and other relevant information collected by us in the capacity of a payment processor, that would hopefully allow the respective authorities to identify the person who allegedly abused your details and take further action.

Also note that card holders have liability coverage on behalf of their card issuing bank so your bank could and should be able to provide a certain level of protection for your transactions. Where funds have been debited without authorization, standard chargeback procedures apply. That being said, we recommend that you contact your card issuer directly to try to resolve the issue. It should be noted that no reports or other evidence suggesting fraudulent activity have been received from your bank to date.

We hope you will find this information helpful and kindly apologize for being unable to give you a more positive answer at this point.

Kind regards,
Mihaela

NETELLER Account Security Team
Copyright © Paysafe Group Ltd. All rights reserved. Paysafe Financial Services Limited (FRN: 900015) is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money and payment instruments. Net+ prepaid cards are issued by Paysafe Financial Services Limited pursuant to a licence from MasterCard International. MasterCard is a registered trademark of MasterCard International.

ref:_00D206xzl._500D01gaHGX:ref