HDFC Credit Card
HDFC collects the money but do not update and close my account

I am an NRI settled in Dubai since last 3years and have a very strong relationship in line with many services from HDFC bank and I am surprised to see that one of the Credit card which is already closed a year back is still alive in the system.

This is one of the most destructive and discouraging matter for an organization which has one the leading status and most admirable process and services, but due negligence of the executive can hamper the same if things are not knitted well and corrected.

With reference to the call from 914066742500 (time: 12:28, UAE Time, date 20th Nov), for a transaction which has been closed a year back and no more related to any carry forward actions to be done but still every alternate month the call comes repeatedly since the last transaction was done on 13th Sept with full and final settlement toward a Credit card payment (4346 7710 0436 5079).

Procedure recommended by the collection executive on 13th Sept to close the card with 20, 000 INR.

• Takes Cash of 4000 (9/9) as an initial payment

• Collects three cheque (5334/- date : 7th Oct)

• Second cheque (5334/- date : 7th Nov))

• Third Cheque (5332/- date 7thth Dec), In this cheque, there was a Mismatch error by the HDFC collection department while writing the cheque:

• As the cheque was from my brothers account as I was already not in town and the same was signed and submitted but the executive has written the third Cheque as with a mismatch figure in comparatively to the words Vs figures, which any ways was not written in front of the us but subsequently a later transaction while presenting the cheque.

• Amount in the Settlement letter : 5332/- INR

• But in cheque it was written “Five thousand five hundred and thirty four only, vs in figures mentioned 5334, which itself is a totally mismatch and i had given these cheques predated without any amount mentioned over it as a belief and commitment to close my account. Then why did the bank collection team has mismatched the amount while writing and getting it to such situation for which a customer has to be in trouble for ZERO reasons.

Correction made again:

• Again the executive followed up and subsequently the payment was also done but as of date its not updated as I foresee or else I would not be getting calls from HDFC collection department.

• Also the same was done with full proof closed and followed up with the bank.

I am really very disappointed with such ill mechanism for which being haunted since every now and then receive calls for the above transaction again & again. If the system has not full proof in closing the transaction then the bank must at least respect the customer existing transactions based on which the credentials can be known and identified.

After series of complaints i get information from Sr. Mngr, Service Quality that the mistake is from my side and needs to be looked at where as based on the closed account letter provided by the bank and later the cheques being mismatched while doing the presentation is not at all into considerations which really is alarming to any consumer for such a big bank.

Company: HDFC Credit Card
Country: India

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