HDFC Bank Credit Card
Harrasment

The complaint is regarding the misbehaviour of the Collection department of HDFC Bank.

The copy of the letter is placed herewith for your information

Darshana S. Kedare

A/303, Devshrushti CHS,

Near Brindavan Society,

Thane (West) – 400 601

To

The Manager,

HDFC Bank Card Division

Sub: Complaint against collection agency executive.

Ref.: Credit Card no. 4346 7720 0175 7128

Dear Sir,

I would like to complaint against your Customer Care personnel for his erratic behavior. He not only threatened me but also used a filthy language while communicating with me.

In Oct’ I had made a call to the Customer care department for settlement of outstanding payment on my credit card. After which I had received a call on 3rd or 4th of Nov’09 from credit card department (Mr. Abhijeet) saying your settlement has come for Rs. 18, 000 which you need to pay in 6 installments. I requested him to check whether it is possible to make the single payment and for which will I be able to get any waiver in the amount. He said he need to check the same & will revert back. Next day, I received a call from the same person saying first I need to clear the outstanding amount for that month & later he can check on the same. In response to this I made an immediate payment of Rs.1380 (Check No 065355 Thane Bharat Sahakari bank ltd.) on 6th of Nov ’09. After that I did not received any call from the concerned department.

In the first week of Dec (8th or9th Dec) I received a call from Mr. Bharat Sharma, Personnel from HDFC collection department saying my settlement of Rs. 21, 990 has come. I told them about the previous call which I had received for the settlement of Rs 18, 000 & asked him to check on the same but he denied the same & instead started arguing. He also started cross questioning me. I requested him just to check on the previous settlement & give the satisfactory answer so that I can make the payment for the exact settlement amount. As he was not ready to listen anything I told him I will check with the customer care or with the nearest branch.

On Saturday, 11th Dec’09, Mr. Bharat Sharma again called me saying “kya hua maine aapko do din ka time diya tha? I told him I could not talk to them or go to the nearest branch as have a small baby & will be calling them on Monday i.e. on 14th Dec’09. But he was not ready to listen anything and started using foul language again & again also used words like “ye settlement bhi chala jayega or nahi bharana hai to bhad mai jayo”. On 15th Dec’09, at 3.30 pm, I called up the customer care complaining about the same & they assure me that I would receive a call from the concern department.

On 16th Dec’09, I received a call from Mr Pankaj, who listened to my problem & answered all my queries. He also agreed that there was a settlement of Rs 18, 000 and the same was forwarded but did not get approved. He also surprised as to how I received a call for the settlement of that amount. He then assured me that he will again check the same & will let me know the exact settlement amount.

On 15th Dec’09, Mr. Bharat Sharma again contacted me. I told him that I have spoken to customer care & expecting a call back from them. He again denied on same saying you haven’t made any calls to customer care & was not ready to listen anything. He then transferred the call to one of his colleague Ms. Sameera who was not ready to listen to my problem but instead was kept on speaking for 10 min without listening to me. I heard quietly whatever she said & when I tried to speak, she again started the same record & did not listen to me. Thus I had to disconnect that call forcefully.

On 16th& 18th Dec’09, I called up the customer care for my final settlement but no satisfactory reply was received from the executive, I asked him to escalate the call but he informed me that as my card is in inactive state, they will not help me & asked to contact on 02230751711/1712. I spoke to executive named Sachin who failed to help me hence requested to escalate the call. He denied the same saying he does not have a facility to do so. After insisting him he said that I will be receiving a call back from his supervisor. On 18th Afternoon I got a call from Ms. Jyoti Swami who listen to my complaint but failed to help me. She instead threatened me of putting my name in defaulters list. I told her I am ready to make the payment only if she is ready to e-mail me the rules & regulation regarding the same but she denied & did not give satisfactory answer & disconnected the call.

On 19th Dec’09, Mr Bharat Sharma was continuously kept calling on my mobile as well as on land line and harassed me for doing instant payment. Moreover he has also called to our neighbor place and insisted him to call me on phone. My neighbor is an Old man, aged 72 yrs and he is bed ridden. He stays at his place alone so he told him his inability to call me. On hearing this Mr. Sharma told him “Tumko Jitna Bola Hain utna Karo.”

I hereby once again want to make it clear that I really want to make a payment and now I will make the same only if you send me in writing the final settlement amount. To avoid the postal delay you may send my settlement letter by hand delivery and collect the cheque of the same amount on the same date.

I also want an apology letter from Mr. Sharma for misbehaving with me and my neighbor.

It is to bring to your notice that I have also forwarded the copy of this letter to the Consumer forum for necessary action.

I hope taking into consideration your market reputation you will take stern action against Mr. Sharma.

Thanking you.

Regards,

Darshana Kedare

Company: HDFC Bank Credit Card
Country: India

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