Kindly note that I hold a credit card account as well as a savings bank account with HDFC bank. There was a dispute on the card account as the bank had levied various charges on the same, though I had cleared all my merchandise and rightful dues on the same. I had been talking to your customer services desk, emails and letters to your grievance officer, but the same had not been resolved.
As the charges were continuously being levied, I talked to your customer services. I was advised by the customer care to pay certain amount in order to settle and close the card account. I paid the said amount in Oct'08, but card had still not been settled and new charges are being added every month. Apart from the same your collection agents and representatives are giving me calls throughout the day in odd times and hours, which is causing me immense discomfort and trauma.
Now to my utter shock and surprise, I find that my savings bank account funds have been put on hold. This is gross mistrust and against banking norms and fair practices, of holding my savings bank funds for the payment of credit card dues, without any intimation to me whatsoever. I have not given any direct debit / ECS mandate for the withdrawl of funds from my SB A/c. This is also not warranted under the Banking norms and standards board of India. (BCSBI).
In case the card account needs to be closed / settled there needs to be an amicable solution of the same and not holding the savings account funds of any individual. I would be viewing this very seriously.
I expect and I request your kind office to take necessary action on the same.
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