To Whom It May Concern:
This is regarding complaint associated with my Credit Card. This card was issued to me in 2004 that time I was in Dehradun, however due to official reasons after couple of months I was shifted to Chandigarh as a result of which I wanted to get my billing address updated however even post discussing the matter with call center same was not performed.
As a result of which late payments were charged, as the collection team of bank somehow arranged my new contact number I started receiving calls for clearing my outstanding amount well till then no issues were there as I used to receive my billing details over the phone however when I raised my late payment charges issues it was always assured to me that I need not to pay the Late payment charges however the same was never reduced from my outstanding amount.
Hence I finally requested to closed my Credit Card & it was then confirmed to me by tele-callers that the same would be managed & as per them I paid the minimum amount for continuous 3 months & meanwhile I neither ever used my credit card however the interest remained cumulating in my outstanding amount.
As even post several discussions my billing was not getting stopped I cleared this thing to tele callers (Harjeet and Baljeet, both used to call from Chandigarh) that as far as paying the o/s is concern, no issues from my end however please provide me a full and final statement on your letter head at the same time I provided them my Fax number & address of communication so that same could either way provided to me.
However instead of receiving final payment details I started receiving calls from Legal department (Mr H.S.Barat # 91 9888000533) regarding my payments, I shared my complete story with him, he assured that the NOC will be provided by him however I need to pay some amount (that time my outstanding was varying in between 33000 to 34000) and I paid Rs 14000/- post availing his assurance.
I had a discussion with Mr h. S Barat more then 10 time all calls were initiated by me only and were actually the reminder calls from my end & eventually I provided one more contact number of Mr rajat (91 9358103945), the same was discussed with him as well & it was assured from both the persons that I would avail the NOC within 20-25 days as there approval process consumes some time.
However after the commitment date with was 6th August 07, I’ve not received any details of NOC so far.
In the end of July I had a discussion with Mr H.S Barat & he confirmed me over the phone that approval for closing my credit card has been received & final amount is Rs 36000/- out of which you have paid Rs 14000/- now you need to pay Rs 2-
Till now I was so much harassed so I didn’t raise any point from my end & I committed to pay the same amount just for the sake of getting away from all this.
However till date (20th August 07) no NOC is received so far & again I’ve started receiving calls from tele-callers i.e. the point from where my case was started it is now back to same point.
Now even when I’m trying to contact Mr H.S Barat or Mr Rajat they are not attending my calls, & have sent some messages as well however no response is there.
Besides my credit Card, I also took a personal loan of Rs 150000/- from HDFC bank in 2004 & trust me no issues are there... my saving account from which auto debit happens is 2251050019655. & so far no dispute or late payment or delay in payment of EMI happened from my end. Infect will never happen in future, I’ve been using services of HDFC for last more then four years however the experience of Credit Card is very bitter.
People handing credit card division are very unprofessional, I’m myself heading Billing & Collections function in telecom however such delays in closing issues in our industry are next to crime.
Moreover false commitments always lead to dissatisfactions, expecting some customer sensitive employee of HDFC to look into the matter.
Regards,
Somesh
91 9857199230
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