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Harassment for HDFC credit card payment

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Harassment for HDFC credit card payment

Post  COMPLAINT_BOT on Thu May 31, 2012 10:53 pm


I am Amit from Mumbai having credit card of your bank (Credit Card No: 5289 4550 0086 5813) at the same time I am the corporate customer of HDFC bank (having salary account in HDFC Bank). I am holding the credit card from last more than a year and was regular with my payments every month, suddenly due to some personal reasons I was unable to make payment on time (still have made the payments). This year stuck in a lot of financial problems but the Agency guys do not understand the problem of the customer and whenever called were so rude and used such disgusting language I would even not prefer to say or write. I told them every problem but they were always very rude and said you have to make the payment anyhow. The sample of language used was “Ghar becho ya apne aap ko becho par paisa do”. I do not understand why such guys are working in HDFC OR if HDFC encourages them to do these stuff’s. next time when communicated with her senior, the senior said “make the payment immediately I am not here to see or resolve your problem” you can ask anyone in HDFC my name everyone will tell you about you (indirectly he was tried to frighten me). Every time the agency guys called my home and tried to threat my parents. Without my permission they always looked into my account which is associated with my salary account and forced me to make the payments. Once there was only 4k in my account on date 7th of the month and they forced me to make the payment of 4k. I told them that whole month is remaining I will make the payment later please they said it is your problem not ours.

The total outstanding is always increasing and increasing, whether I make a payment of 10, 000 few months it goes on increasing ,it again goes to same amount as you can check with my details. In my entire duration of card holder I never checked the statement since I was under the impression that HDFC is a trustable bank, but when I checked my statement for April I saw Finance Charges = 1,641.90 were charged to me then I checked my previous statements and every time they are charging me this Finance charges. When I took the credit card this was not communicated to me by Bank/Agency/Customer Care. Then I called the customer care of HDFC Credit Card I asked the executive that I have been charged Finance Charges every month and this was not communicated to me he replied that do the entire payment else it will be charged every month. I asked the executive that I will make the payments slowly (monthly) since I am not in condition to make the entire payment at once.

Being such a reputed bank in market HDFC bank shows this kind of support to their customers I , I have logged a lot of complaints with Customer Care but nothing happened. Finding no other alternative I am bound to go to Banking Rules and Regulations. Again will ask my company to close my salary account in HDFC.

Note : Details of agency guys and call recordings will be furnished in front of Banking Rules and Regulations.



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