Sub. : Cancellation of Credit Card No. 4346 7720 0166 2104 and providing the Settlement Letter.
Dear Sir/Madam,
I was holding HDFC Bank Credit Card: 4346 7720 0166 2104 which was not used since February. I also have requested through phone-banking & consumercomplaints.com to cancel the said Credit Card. I am doing so since May and finally, after so many discussions had with your Recovery Officer in October I was suggested to pay an amount of Rs. 3516 for the Final Settlement, without referring the case to the RBI against approx. amount of Rs. 4700. The same amount was paid in October requested to cancel the Card and provide the Settlement Letter and committed to provide in a Week.
After the payment, I have neither received any Settlement Letter nor any statement up to January which must be sent on monthly bases. Suddenly in January I received the statement with additional charges for the duration from October to December.
This means that my card is not cancelled yet even after so many requests. As per call records of customer care, last time I talked with Settlement Dept. in October and that was for the Final Settlement, and amount was paid immediately.
If nobody from Credit Card dept. had suggested me the amount, then what should be the problem for customer to pay 1200 Rs. more to close the issue, as I am regular payer of another Credit Card.
Generally, the statement must be posted and acknowledged monthly as per RBI Instruction
Circular No. DBOD.FSD.BC.6/24.01.011
dated July 1, mentioned in following link
.
Because of mistake, ignorance and lake of internal communication by related bank staff regarding the issue, I am not ready to pay the amount mentioned in statement of January because of the given reasons.
Once again, I requested to cancel the card No. 4346 7720 0166 2104 immediately and provide me the Settlement letter based on the last Cheque of payment of settlement amount of Rs. 3516, October.
Based on the reply of my e-mail complaint launched in January I had a talk with your office and they were to contact me with in 72 hours but again it is ignored. The last follow up discussion had with your Settlement Officer on 30/01, Friday and again officer told me to call back with details, but again it is ignored.
Considering the ignorance of cancellation & settlement requests, you are kindly requested to provide the Settlement letter stating that the case referred to RBI is withdrawed by the Bank. You are also requested to provide clarification for the ignorance and referring the case to RBI.
But, as per my latest talk with HDFC – Credit Card, Debt. Management Officer, they suggest no solution other then the payment. I am also not able to understand,
(1) How much late payment charges they have added? As since last 3 months, bank has not sent any Credit Card Statement.
(2) Service Charge claimed for what? Neither they sent me the statement since Oct nor any transaction is been made since almost 1 year.
Seeking for your favorable reply.
Yours faithfully,
Jigneshkumar M. Patel
91-99251 52288
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