Hi
HDFC credit card problems? I had an HDFC credit card. There were some charges levied on me for certain expenses which I was not informed about in certain cases & where the customer care people when contacted on phone gave me wrong information.
1) Currency conversion charges still not resolved (Rs1482.44) [2007.67* 3.5%]-595.50
2) Surcharge charged on fuel but never refunded. (Rs1500) paid for petrol
2) Card lost but the manager told me that he would not charge me extra for a new card. Later on I found new card issue fee charged. (Rs0)
My 2/09/07 statement showed an excess balance of Rs4, 971.76
1) On 15/09/07 I made an transaction of $50 (Rs 2007.67) & I was told by the customer care representative that I would be charged 3.5% as currency conversion fees which I agreed to as all credit cards charge this for currency conversion.
On 20/09/07 I received a refund of $15 (Rs 595.50) from the same seller with whom I had made the transaction as he had overcharged me.
On 15/09/07 I saw Rs81.47 reflecting on my statement which confused me. I called up the customer care cell of HDFC & they said it was finance charges.
That was when I really got mad as nobody could give me a proper explanation why the charges where levied on me. I contacted customer care on phone at least 25 times wrote emails & they insisted that they where finance charges.
On 30/09/07 there was cess- currency conversion fee .25
On 30/09/07 there was service tax currency conversion fee Rs8.48 in my 2/11/007 statement
As I had mentioned earlier I was only told about 3.5% currency conversion fees which I agreed to pay. I was not told anything about 12 % & 3%. for mutiple transactions.
Secondly I have not made any multiple tranasctions. It was a refund from the seller whom I had contacted only once for a refund which he immediately did so as he knew he was wrong.
Thirdly if you calculate 3.5 % of Rs2007.67 you get Rs 70.27 approx & they have charged me Rs81.47 which all the customer care rep where saying are finance charges & not currency conversion charges. If you cannot train the executives properly they should not be allowed to take calls
Please note that my 2/09/07, 2/10/07 & 2/11/07 statement s had an excess balance lying with HDFC from 28/08/07. I had also never received statements from the bank as I did not owe the bank anything. I had to call the customer care Dept regullary asking them to send my statements which they ignored.
2) On 16/11/07 & 21/11/07 I put petrol worth Rs 1000 & Rs500 & was charged Rs1025 & Rs512.50 (surcharge of Rs25 & Rs 12.50) Which was supposed to be reversed in my next statement which never happened
3) They reversed the charges of R112.36 levied on 7/11/07 fo issuing a new card to Rs 100 on 22/12/07 but still charged 12.36.
In my statement dated 2/01/08.
I have made other transactions during this period.
My 2/09/07 statement showed an excess balance of Rs4, 971.76.
Other transactions excluding these 3 issues are amounting to Rs2959
Disputes Rs 2982.44 (Currency, Petrol, new card)
Other expense Disputes=Rs 5941.44
Total less Excess = Rs 969.68 which I would have paid had there been no cheating, miscommunication, giving wrong information etc
I blocked the card & their customer care rep gave me the reference number.
I demand that they compensate me for harressment, mental torture and the amount of time they have made me waste on writing & sending emails for charges which where not told to me & then charged. The Finance charges, late fee charges & taxes are accumalting every month & yesterday I receive a call from their recovery agent to make the payment or else I would be issued an legal notice.
The latest outstanding according to them is Rs2357.99 for the statement dated 2/04/008
Total less Excess = Rs 969.68 which I would have paid had there been no cheating, miscommunication, giving wrong information etc
What do i do? The recovery agent has called me and is going to issue a legal notice.
Aditya
0 comments