Dear Sir,
sub: credit card delivered to unknown person, bank not taking responsibility of misuse
This is in reference to my card # 5175521002159913 issued by HDFC Bank.
The above card expired on 07 and the bank has sent a renewed card to me, without any intimation or confirmation.
The renewed card was sent to my registered address; however I was not present there and the premises were locked.
The bank informed me that the card was sent by speed post and handed over to an authorized person. I am wondering how can someone else be an authorized person for a card issued in my name.
Later the person has misused the card and I have to go through the entire process of blocking the card filing a complaint and requesting a refund. Now the bank has re-debited the charges to my credit card account and held me responsible to pay.
As per the bank I have not updated my address; so bank is not responsible for the misuse. I am wondering if the card was really sent or not, because the bank is not ready to give me any delivery proof as well.
I am a customer of HDFC bank for the past 5 years and have been making all the payments timely for my credit card and loans.
Due the banks irresponsibility and indifferent attitude towards a loyal customer; I am holding some payment of the bank and informed them about the same.
I request you to kindly suggest how can I get relief from the bank and also save my credit history. Also I am ready to pay my legitimate dues any time the bank is ready to clear this dispute.
Please help.
Many Thanks and Best Regards,
Ashish Mittal
91 99999 76619
[email protected]
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