This complaint is against the bank credit card division.
The complaint is specifically against the collection department of hdfc credt cards.
I took a card 2 years ago with a withdrawl limit of just 25000 including the cash limit.
The payment were regular from my end till 1 yr and 6 months., but after that I noticed that even paying extra instead of the minimum amount mentioned the principal amount keept increasing.
For eg. the last payment made by me was 2400 / and at that time the principal amount was 28000, (OVERLIMIT), and secondlty when i received the next statement to my astonishment the amount had become 30, 150/-.
The irony is that I had called the call center to block my card immediately since I though it was stolen. But later I found the card, and the customer service did not remove the block saying that my outstanding amount was too high.
I have not used this card for more than 9 months now and even fafter the payments made which i know would have summed up to 32, 000/- atleast, my pricipal amount still stands at 30, 150/-
I stoped payment when the bank started sendig third party collections although I was regular with my payments and had excedd the amount way beyond I had used from the credit card.
The third party name "ViKAS ASSOCIATES" start sending collecyion boys at my resudence and they used all kinds of abusive language one can know. A few days say arround 25 days ago, the frequency of the guy comming for collection has increased from one per day to 7 times in a single day, and every time they come in a different pair.
I there fore have decied to lodge a formal complaoint agaisnt the third party collection agency "VIKAS ASSOCIATES' and drag HDFC bank to cout because of the abusive email sent by an HDFC employee himself working with the collections department.
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