Hi,
Around 4 years back HDFC bank called me and mentioned that they have free Credit Card for me with no annual subscription or renewal fee. I obliged and they collected my details over phone and sent me the Card. I used it and when I saw the statement they had added annual subscription fee (Not sure of what amount). I paid the expenses and called them to rectify - they first blamed other executives and later they asked me to send a letter. They also assured me that it would be rectified from next month's statement. I called them and followed up with them several times but even in next month they added the same. I payed my expense and then I requested them for cancellation. They canceled my card but they kept on sending the statement but everytime the Call Center used to tell me that they would rectify. After that they stopped sending me statements. An year later the collection agencies called me several times and I always explained the entire situation again and again. At that time I felt like going to Consumer Court but could not take the hassles. They mentioned that it is now 3K rs. After that they stopped calling me and I guessed they have corrected it.
Few days back i.e. 4 years later a nasty call was received by my wife in threatening tone for this payment. I am afraid of security and their harassment. I am thinking of taking some action against this.
Regards,
Manoj.
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