Dear Mr. Datta & all concern,
Re: Credit Card No. 5176521002003525
As per our meeting at your office on 25th May hereby I am sending this letter via email to lodge official complaint for MR. Dharamraj for Harassment & threat I had received from him.
The whole episode started for about 6 months back when your collection department started calling me for my overdue credit card amount. Firstly Ms. Kirti (Ass. Manager) started calling me & I was answering as well as paying my dues when & whatever is available with me. I also explained Ms Kirti about my financial problems.
Sometime I was not able to make payments as I could not arrange money. Then I started getting calls from Mr. Dharamraj. He used to talk to my family members very rudely even though I was not in India & my family member has nothing to do with my Credit card dues. On one occasion he send his Executive at my home in my absence & then when he called he started abusing my family members.
When I come to know about the same from my wife I called him from South Africa & he started abusing me as well. When I complaint the same to Ms. Kirti I stopped getting the calls. After about 2 months again he started calling from Mr. Dharamraj under his senior officer Mr. Jayesh (Ass. Manager) and same story started again. So I called to Mr. Jayesh but I think there was no action taken by his senior this time.
During this time I made once or twice payments as well despite my bad financial position due to the threat from him of harassing and abusing my family. During all this time I do receive calls to my South Africa’s Mobile no.: 27763982111. He kept calling there & abused me there in all his calls. I fear that this all happens in the presence of MR. Jayesh as I heard him in the background. But no one is stopping him. When I made complaint to Mr. Jayesh, instead of stopping him he was asking me to pay the money that’s all.
I came back from South Africa on 16th May. And again on 18th May I got call from HDFC bank from Tel no 022 6770 9231 from Mr. Dharamraj. This time he started his phone conversation using abusing words called “a Bhikari Paise kab dega”. This phone call was keep going until Thursday & I tried to avoid his calls as he was enjoying these abusing calls to me and my Family. Until this I was not taking his calls & abusive language seriously but when he called me on Friday 22nd May at about 8.00 Pm & started the same way & then started threatening me that if I don’t pay him he will take my family members from my house & auction them. Then I got worried and annoyed by his such language. So I called HDFC Credit card call centre & lodge a complaint (ref no. 09142146951) over the phone with Mr. Anil. After lodging a complaint with him I received call from your end by Ms. Roshni (Tel No. 022-28249635) promising me to take action against Mr. Dharamraj & concern person. She also apologized on his behalf and told me that your bank will send me an apology letter. Then I also lodge one complaint (ref no.09145012847 with Ms. Viji) at your grievance cell office in Chennai.
I am writing you this email so that you can take appropriate action against this person. I hope you take this complaint seriously as this is a question of my Family’s security & your bank’s repute also at stake. I have never expected your bank can be so harsh and rude to a person who is already under financial problems. I never refuse your bank to make payment.
So on your instruction I am planning to lodge a NC with local police station, but I will wait until you take Strict action against Mr. Dharamraj or if you are not capable of doing so, I have to take some action against him what every is possible by law. His conduct and behavior with clients will not only harass us but will spoil your banks repute also.
At the same time I am also worried that if you take some strict action against him, something might happen to my family in my absence. Mr. Dharamraj has all my personal details of me, whereas I have never seen him. If any such action creates any reaction and if any unexpected incident happens to my family, I will hold HDFC Bank responsible for the same.
I don’t want this episode to go from bad to worst so that I will urge you to take immediate action. In our meeting you keep assuring me of the same, but with my previous experience with other manager level staff from your bank (Mr. Jayesh & Ms. Kirti) I have no more faith in your words. I need strong action as this is not an acceptable behavior of your staff as far as my knowledge.
I further accept and assure that all my outstanding dues will be cleared as and when time permits me. I am not delaying it purposely but forcefully. But at the same time I urge your bank to please understand my problem and try to resolve my problem by giving me breathing time and if possible some relief on my dues. If your bank does the same, would be of great help to me and my family.
Also request you to make sure that any of your action against Mr. Dharamraj does not harm me in any ways, as this quality of staff are not trustworthy and loyal to anyone & they may harm any employers repute for their personal gain and frustration.
Also please advise me, should I really lodge a written complaint with local police station against your staff and your bank for my family’s safety. I am waiting for your advise on this & will accept your suggestion with full trust.
I hope above clarification and complain suffice your bank to take precautionary action to prevent my family and also at the same time take action against your staff, to prevent your repute.
Regards,
Ketan Shah
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