HDFC Credit Card Late fee
Undue Harassment for Credit Card Payment

Hi,

My credit card no. was 4346771002938935.This credit card has already been expired in Nov. Against this card I have done only one shopping in Delhi for Rs. 560/- only and for which I have already paid the payment through the cheque in due time.

Now this card has already been expired and no longer exists. But after a gap of 2 years, HDFC bank is asking a late fee of Rs. 4400/- from me. I do not know how this figure comes now.

They have also sent me a legal notice to my address and asking me for this amount, otherwise they will take legal action against me.

Everytime, I ask them about my statement when & where I have done this shopping, please provide me statement so that I can pay the amount. But they are not in a position to provide me the same, rather they ask for the above said money. They do not have a basis for this calculation, still they need money.

Now after some days they want me to pay Rs. 1600/- and make the final aggrement with them. But I do not have to pay more that Rs.1/- to close this transaction. I really do not understand how a late fee for a transaction of Rs.560/- can arrive at figure of Rs. 1600/- after 2 years and on what basis?

Really these people are begging like hell and harrasing the customers? They beg us initially for getting the credit card without giving a single penny & their executives even come down to your place to get it done everything at their cost, but afterwards make you to harrass at later stage.

Please suggest us what to do now and how to close this issue.

Regards

Bijay

Company: HDFC Credit Card Late fee
Country: India

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