HDFC Bank
Unauthorised transaction done from my savings ac

Dear Sir,

This is to bring to your notice one of the problems I have faced recently with HDFC Bank.

I have a savings bank a/c with HDFC vide ac no. 04861140013612.

On 17thNov'09, HDFC Bank credit cards section did an auto debit from my savings account vide credit cards funds transfer card no.4050281000382546 of Rs.21, 545.62/- without my permission or previous knowledge.

I traced the following details -

Transaction authoriser - A4158128

User no. 32645

Name - Aravind

I'm persistently calling HDFC customer care. Till date there is no response (Complaint no.09323025174).

I also dropped two emails (FW: <AUTO> 'HBL=008-363-356' Unauthorised transaction from my savings ac) to HDFC greivance cell but there is no response.

I visited nearby HDFC Bank and they asked me to call the credit card customer care, just blindly. No one bothered to do any help or support!

I'm being told that this transaction has been done to close my previous dues on a cancelled credit card 4050281000383660.I was not intimated about the change of card number neither did I receive any statements. I donot posses the card and also donot know about the internal card number changes done by the bank.

I have changed company as well as location and updated the details in HDFCBank webpage.

The email statements that I have been receiving since past three months cannot be opened due to change of card number.

I need your support on this issue wherein the bank has broken all rules of "FAIR PRACTICE" and code of conduct.

I need a justification/explaination for the following with appropriate refund and apologies from the bank.

1) How can the bank do an auto debit without prior permission from the customer

2) The bank if asked will never be able to show any proof of the statements and letters they say have been delivered to me

3) How can the bank be assured that the concerned person has really received the statement unless they have his signatures or credentials

4) I had a registered email id with the bank wherein I get statements regularly. Isn't it the responsibility of the bank to send notifications and other critical information to the email accounts also. Atleast the change of card number could have been intimated so that I could have paid the dues timely

5) Why wud I keep money in same bank account if I was not to pay credit card bills

6) Bank can check all my previous payment history. I was a prompt payer and the bank should have trust

7) Bank was in such hurry that they stole a big amount from my savings without even bothering to send a statement to validate the amount.

8) I trusted the bank and kept money in savings a/c. I had issued cheques to home loans and other transactions. Who will bear the penalty and bret for the bounced cheques now

9) I had lot of relationships with HDFC in terms of home loans, credit cards and savings. Due to this episode, today I have lost faith and closed all accounts/relationships with the bank. I have promised not to have any deals with such a nasty bank and will also blog on the internet about these malpractices

10) What has HDFC done with the 300 reward points on the card?

11) What is the use of passwrod protected statements on email? When you follow so much e-security, why cannot u share the change of credit card details also on email so that the customer can open the statements by giving correct password

12) Even if u deduct the money, there should be some written proof and validation to the same. Where is the calculation and proof for the same. U can email it atleast - on courtesy!

I hope I will be getting some response and support from your side on this issue. Pl find attached a snapshot of the unauthorised transaction done by the bank for your better reference.

Hope to hear from you in positive and get justice done,

Regards

Rajiv Chakraborty

9618111489

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Company: HDFC Bank
Country: India

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