Dear Sirs,

I am having a salary saving account in HDFC Bank under account no. 00441140084211 in
A-12, Shopping Mall, DLF Qutub enclave, Phase 1, Gurgaon, Haryana -122002 Branch.
There was a fund transfer of an amount of Rs.14750 & Rs.51348/- from my office as on
30th April 2009 to my salary account. I withdrew Rs.10000/- as on 03rd of may 2009 &
used 2690 through my debit card. Further When I checked my account on 5th of may
2009, I was shocked to see the available balance as Rs.685.43. I immediately
contacted customer care & was told that amount had been put on hold by credit card
department & I needed to contact credit card department.

I , then visited to my home branch & asked for a meeting with Branch Manager at
helpdesk. In reply they asked to meet Mr. Rangi upstairs. I met Mr. Rangi & he was
unable to solve my problem. When I asked him for the relevant documents where I had
authorize the bank to deduct my money without my concern, he gave me a piece of
paper(copy is attached herewith) mentioning name of some Mr. Gaurav Sharma of credit
card division from Rajouri Garden whom I could not meet till date after my numerous
efforts.

I had to visit many times to Rajouri Garden office after having known the fact that
credit card office is located there. But, to my surprise, no one is there to listen
to customers. The guards over there treat the customers as they are notorious
criminals. After wasting my whole day, handling with guards & going up & down as
lift machines were not working, I again came back without any result. During my
second visit I became somewhat aware about the structure of the bank divisions,
which are spread over a length of eight floors over there. At sixth floor there is
customer care services but customer does not have right to meet the bank
representative , however he/she can call upon phone & representative will keep on
repeating the mugged up lines without listening or understanding the customers
concern & grievance.

After my rigorous efforts I was connected to Mr. Janit, Manager in customer care
division. First he also repeated the same wordings but when he came to know that
customer is educated & have some knowledge ,he listened & asked to meet Some Mr.
Puneet oberoi at fifth floor. Again it took me 1 hour to approach Mr. Puneet oberoi,
who in turn treated very rough & simply asked who gave his number & name. He asked
me to call Janit in front of him. He said he was senior manager & how dare someone
could be to give his reference to any customer. His wordings were very rude & was
shouting like anything saying “I am not sitting for you”. He suggested to write
mails or call customer care , problem would be solved from there only. I am
mentioning these whole things just to highlight the way of treatment to customers by
bank officials & it was happening with each & every customer but people avoid to
complaint keeping in mind that in India every thing has to bear.

In fact they are cheating the customers withconcealing hidden conditions and not
redressing the grievances of the complainant who made complaints with regard to poor
customer service on number of occasions, and indulging in to Unfair Trade Practice.
They are claiming the hard earned money of medium group by so many fraud
commitments.

In My case, I had requested many times to credit card team on telephone(as there is
no other way to reach them) to close out my card completely. Every time there reply
was that Sir, you make the minimum payment & we have taken the request of
surrendering the card. You can drop the card at any ATM drop box after breaking it
into 8 pieces. I did the same .I made them a payment of Rs.700 & dropped the card in
ATM drop box along with a written request to close the account. Again there was a
call for last payment, This time bank representative was asking for 1020 rs. & gave
assurance about closing the card.

What I can do is only trust. If bank system is faulty then what can I do. If there
is loopholes in the system & communication gap among the employees of bank . Now ,by
claiming hidden & concealed late fee charges, finance charges, this charges & that
charges & taxes they have made an outstanding amount of Rs.53108/ & same they have
taken from my saving account(Rather I would say they have stolen ).

Upper most thing is that no one at bank is ready to listen. I have got fed up during
last 18 days asking for rectification of my case. I have been calling them
rigorously but all are misbehaving. I requested Ms. Archana verma to have a meeting
with me to clear me about my issue, whose number was given to me by one of bank
representative explaining that Archana was the concerned officer for the case. But
she kept on diverting me here & there & never agreed for meeting.

My complete cash flow for the month has come to a halt. I don’t have a single penny
for last 20 days to spend on my basic day today necessities.

Dear Sirs,

I have been suffering for last 20 days & it’s a mental torture what they people are
doing with me. I am in very much stress & unable to focus on anything in life as
everything is disturbed due to their maltreatment.

They are simply giving me mental agony & harassment.

Dear Sirs,

My humble request to you all is to look into matter by giving some of your precious
time & give me relief.

I shall be highly obliged to you all for this act.

Thanks & Regards,

Praveen Garg
9810902189