Hi ,

My name is Abhishek Dhanyabad(09899570554) HDFC bank has done fraud with me


Let me tell you a full case

In Year 2007 HDFC bank given me credit card -4346772003870788-Due to some reason i was not able to pay back the money( though i have paid 10000 Rs as an interest ) on time ,therefore bank offered a full and final settlement of the payment (19000 in seven installment) reference letter no 0230110- which was dispatched to me on 27/06/08- bank agent asked me cheque of 1664 Rs for first installment and in cash 1050 receipt number are as follows 12386606 and 12386607 respectively (payment made on 28/6/08),after the the was no delay in payment my full payment was completed in month of Dec'08 and when i asked for NOC from bank they said the payment of 1664 is due on your account then i checked with bank and find it out the of 1664 cheque was returned as it was thorned though i have given a proper cheque to agent. without any delay i paid 1664 in cash on 31st of Jan 2009. and all the payments are over from my side now HDFC Bank put my account (01201610000855 VIKAS MARG, N DELHI )on hold on 30/April/2009 for None payment of credit card , that is exactly not correct thing then also as account on hold HDFC agent called me in and said pay 1400 rs and all of your dues will be cleared so i paid receipt nos-8595220 again as i`m in urgent need of money ,But now bank is saying your first installment is late full and final settlement is over " please look in this matter and resolve it as soon as possible


CC-ombudsman (ombudsman.rbi.org.in)

Hello,

Kindly provide us your full contact details with a valid email id, so that we can guide you accordingly.

My dear friend I think HDFC is the most fraud bank, they just loot their customer anyhow, I also faced the problem with this bull shit card. I was holding HDFC credit card no. ******** 0227 8464 for the past 2 years. But for the past 6 months I am facing serious irregularities from the bank which has played havoc in my life. Kindly please make note of my complaints of the following : (I)For the past 6 months the above said problem has played havoc in my life. At office or at home I was always thinking about credit card problem, so much that I have become a patient of hypertension. And I am under medication and diet.

Collection department people r Real bastards, They misguide u like anything, all false commitments. Totally Fed UP.

Dear Sir,



This is to bring to your kind notice that I am one of the victim of cyber crime and found it very difficult to come out from the situation. For that I need your help to save me or help me out from this hectic situation created in between myself and HDFC bank.



There ware some fraud transaction, happened on my HDFC Credit card account number 4346771010566397 in the month of September 2008. When I received the statement for the month of September 2009 and surprised to see that few suspicious transactions happened in my card account and the same was immediately inform to customer care cell of HDFC bank. I was assured by the customer care representative that your case will take at least a month to resolve. But I am very sorry to inform you that nothing is happened on that month to till today except to pressurize by the bank to clear the outstanding against my card’s fraud transactions.



After a month again few fraud transaction were again happened on my card account (Summery is attached for your reference) that clearly indicate bank authorities was not at all taken any serious note of this fraud happened again with me. Due to bank negligence I become the victim of cyber crime.



Getting in touch the bank again, the customer care department was advised me to drop a complaint in writing to my nearest drop box of HDFC ATM. I was dropping the same (copy enclosed). I was again surprised that one day bank executive called me over phone and requested me to clear my long pending outstanding instead of taking action on my written complaint sent by fax too, I was clearly denied the person of paying my dues.



After some time one day one executive from HDFC bank was visited my residence and threatening me of paying the amount, that is not at all bearable or expected from such a resulted bank of India. I once again clearly informed the representative that I am not going to lay anything to bank unless and until my case have not been clear by the bank.



After that very day to till today I have 100 of calls for clearing of my fraud transaction amount. Now HDFC bank started sending legal notices for clearing of the amount.



It is also bring to your kind notice that on Aug. 29, 2009 the HDFC bank Card division has illegally transfer funds form my Saving Bank A/c No. 1201370022933 and debited the payment of Rs. 8,279.59 without my consent.



It is also bring to your kind notice that fraud amount in the month of Sept. 2008 statement is Rs. 3,592.61 & in the month of Oct. 2008 statement is Rs. 3,906.25 and now comes to Rs. 13,135.51 with the late fees and service taxes that is not at all justified.



Now I have no option left to trouble you to help me out and sort the problem in-between myself and HDFC Bank and save me from the harassment done with my by the bank authorities.







I am mentioning below the letter dt. 21/10/2008, which I faxed & e-mailed to the Manager Credit Card Division, HDFC Bank.



Issue:



I have noticed some transactions in my statement, which was not made by me. When I called your customer care number then executive told me that my card data is hacked, due to that it happens.



I registered my number for secure net banking afterwards it happens. I am listing down the details for the fraud transactions for your reference.







Statement Date: 19/09/08



Domestic Transactions



12/09/08 FCY CONVERSION MARKUP EE 1.59

12/09/08 FCY CONVERSION MARKUP EE 55.17

16/09/08 FCY CONVERSION MARKUP EE 64.22

19/09/08 SERVICE TAX: @12% 14.51

19/09/08 CESS TAX: @3% 0.42



International Transactions



09/09/08 ZELDASUPPORT.COM 45.53

12/09/08 PAY-CONVRT.COM 1,576.27

12/09/08 ZELDASUPPORT.COM 1,834.90



Statement Date: 19/10/08



12/10/08 FCY CONVERSION MARKUP EE 58.71

12/10/08 MEMBERSLA.COM 1,920.91

15/10/08 FCY CONVERSION MARKUP EE 67.23

19/10/08 FINANCE CHARGES-RETAIL 148.24

19/10/08 SERVICE TAX: @ 12% 32.88

19/10/08 CESS TAX: @ 3% 0.98

11/10/08 PAY-HAIHOT.COM 3057312203 USD 34.62 1,677.30





When I came to know that there is no solution on telephonic conversation, I started written communication through e-mail, these were on March 10, March 17 & April 18, 2009.



Reply received from bank official is listed below:



I received information from Bank executives that “As apprised in the earlier response, we wish to reiterate you that on receipt of a request from a cardholder for details or a copy of a particular transaction, we in turn liaise with the concerned Bank for the same. Such requests are bound as per Visa/ MasterCard guidelines and the other bank is not liable to respond to our query should the dispute be referred beyond the specific time frame."



We observe from our records that we were not in receipt of any written instructions as on date towards the disputed transaction.



As you would observe from the reverse of the statement, all disputes should be communicated to us in writing within 60 days from the date of the statement which contains the transaction in question. We wish to inform you that our records do not indicate receipt of any written communication from you seeking clarification on the above charges. In future please refer any unrecognized transaction / charge to the bank immediately, as this will enable us resolve the issue to your satisfaction.



You can understand from the above contents of the answer given by HDFC bank that clearly shows that the fault is from my side only, on the other hand I have already informed the bank about disputed transaction on my card account well within the time.



So I request you to help me to sort out this issue between myself & HDFC bank at earliest & oblige.



Hoping for an early and favorable action from your end.



Thanks and regards,





SANJEEV GUPTA

A-90, Ist. Floor, Balaji Kunj, Chander Vihar,

New Delhi - 110092

MOB: 9313848243

E-mail: guptasanjeev2k@yahoo.com, sanjeev.gupta@geipl.com

Dear Mr. Gupta,

As it's a fraud case, we wanted to know whether you have lodged any FIR for that or not?

I also faced a situation wherein my credit card was stolen. As soon as the transaction happened, I received a call from the HDFC bank representative asking if the transaction of Rs. 5000/- done by me, I denied it and mentioned that I was in office cab at that point of time. I found my card missing from my purse. He suggested me to call customer care and block it immediately which I did.

I, later, sent the information to HDFC along with the copy of FIR. I sent several mails to HDFC Chennai, made various phone calls to customer care to reverse the fradulent transaction. I cleared all the payment due to me leaving the one done after it was stolen.

I received no communciation from them confirming its reversal and no one reversed it. I was asked by customer care to call the collection company as now the card is closed at their end.
The collection company representative asked me to pay some amount and that it will be all. But when I made payment of around Rs.2000/- as a full and final in Dec-2005, i ws told that a letter will be sent which I never did.

Later when I was asked for the payment again, I called customer care who didn't answer it and now the colection company was not responding to me. They promised callback but no one called back.

Now, after 5 years, I now received a phone call asking for its payment which is a big amount now.

If my records will be checked, you will find all my payments were always done on time.

Its customer care is not at all supportive. They do not provide any information required.

The collection company is cheat, they collect payment as a ful & final but does not close your account.

I am so unhappy with its services that since then I stopped using HDFC bank and I asked my friends and relatives, not to use it.

During that theft, I lost couple of other cards as well from other banks, all of them reversed the fradulent transactions except HDFC.

I shall not be liable to pay what I did not spend that too when I immediatey denied the transaction. Also, shouldn't they be checking the merchant slip to verify signature. I they do not do that, they shoud stop getting it signed from the customer during payments.

Consumer Court - Please tell me what can be done about it. Thank You.

Originally Posted by RituG

I also faced a situation wherein my credit card was stolen. As soon as the transaction happened, I received a call from the HDFC bank representative asking if the transaction of Rs. 5000/- done by me, I denied it and mentioned that I was in office cab at that point of time. I found my card missing from my purse. He suggested me to call customer care and block it immediately which I did.

I, later, sent the information to HDFC along with the copy of FIR. I sent several mails to HDFC Chennai, made various phone calls to customer care to reverse the fradulent transaction. I cleared all the payment due to me leaving the one done after it was stolen.

I received no communciation from them confirming its reversal and no one reversed it. I was asked by customer care to call the collection company as now the card is closed at their end.
The collection company representative asked me to pay some amount and that it will be all. But when I made payment of around Rs.2000/- as a full and final in Dec-2005, i ws told that a letter will be sent which I never did.

Later when I was asked for the payment again, I called customer care who didn't answer it and now the colection company was not responding to me. They promised callback but no one called back.

Now, after 5 years, I now received a phone call asking for its payment which is a big amount now.

If my records will be checked, you will find all my payments were always done on time.

Its customer care is not at all supportive. They do not provide any information required.

The collection company is cheat, they collect payment as a ful & final but does not close your account.

I am so unhappy with its services that since then I stopped using HDFC bank and I asked my friends and relatives, not to use it.

During that theft, I lost couple of other cards as well from other banks, all of them reversed the fradulent transactions except HDFC.

I shall not be liable to pay what I did not spend that too when I immediatey denied the transaction. Also, shouldn't they be checking the merchant slip to verify signature. I they do not do that, they shoud stop getting it signed from the customer during payments.

Consumer Court - Please tell me what can be done about it. Thank You.

Hello,

Kindly post your complaint date wise so that we can guide you accordingly, as time limit is 3 years to claim the payments and you mentioned that its being nearly 5 years.

Their is no such fault on the bank side, you should take care of your credit cards.

What do I do in case if no one from customer care or collection department helping?

Plus why they cheated and collected the amount as full & final and didn't send any settlement letter?

Should we stop beliving what they say?

Originally Posted by admin

Hello,

Kindly post your complaint date wise so that we can guide you accordingly, as time limit is 3 years to claim the payments and you mentioned that its being nearly 5 years.

Their is no such fault on the bank side, you should take care of your credit cards.

HSBC CREDIT CARD – FRAUD AND CHEATING

I was holding a silver credit card of HSBC bank for many years. This card was issued to me stating that it is ‘FREE FOR LIFE’ and there are no joining fee or Annual fee or any other hidden fee at any point of time.

True to that, I was not charged any fees for the past many years UNTIL on 13th April 2010, they charged Rs. 700/- plus service charges towards annual fee plus Rs. 350 plus service charges towards annual fee of one add on card.

I sent an email requesting them to waive off the annual fees to customer care department in their email id info@hsbc.co.in on 14th April and I got a reply mentioning that there is no FREE FOR LIFE credit card and that there was some promotional campaign going on at that time, which is not there currently and I should pay the annual fees as above.

I wrote again saying that I was not informed of any promotional campaign earlier and also I was not informed of closing of any promotional campaign. I requested them to cancel the card immediately. They responded saying I have to pay the annual fee as above and then can take up request for cancellation through different channel, by writing to their office address or talking to phone banking.

I do not intend to make the above payment as I feel cheated by HSBC by giving false information and their deliberate intention was to cheat.

My questions are

1. Why the annual fee all of a sudden on a card promised to be FREE FOR LIFE?
2. Why the annual fee or joining fee were not charged in the past many years?
3. Why was I not informed of the promotional campaign to waive annual or joining fee at the time of taking the card? What are the details of the campaign?
4. Why was I not informed of the closing of the so called promotional campaign, if at all it were there?
5. Why was I not given an option to cancel the card before levying annual fees?
6. Why was I not informed prior to charging Annual fee.
7. My calendar cycle was from 14th to 13th of any calendar month. Why was the annual fee charged on 13th of April, which prevented me to cancel the card prior to charging the annual fee, as it was charged on the last day of the cycle.
8. Why was there no mention of the period for which annual fees are charged?
9. I know of one instance of such levy of annual charges and on request, the same was waived off on 15th April 2010, stating that the fee is waived due to some promotional campaign going on now. That means there is some promotional campaign going on now. Why was that promotional campaign benefits not extended to my card. Why this double standards of HSBC offering promotional benefits only to a few. In what way am I different from those?
10. Where can I take legal recourse and what are the legal remedial courses available to me from this daylight robbery.

I am submitting all the details now

Originally Posted by Ritu Guglani

What do I do in case if no one from customer care or collection department helping?

Plus why they cheated and collected the amount as full & final and didn't send any settlement letter?

Should we stop beliving what they say?

Anyway, please find below the required information:

1) On 18th Jul 05, a frauduent transaction happened for Rs. 5000/- which I immediately denied. Withing coupe of days, I submitted the copy of FIR alongwith a request letter to reverse that transactions but got no response.

2) On 18th Aug 05, Bill was for 9151.10 with all finance charges etc.

3) On 18th Sep 05, bill was for Rs 9298.67 as I paid for Rs. 400/- on 18th Jul 05.

4) On 18th Oct 05, bill was for Rs. 8547.70 as I paid for Rs. 1000/- on 20th Sep

5) On 18th Nov 05, bill was for Rs. 9089.39

6) On 18th Dec 05, bill was for Rs. 7622.47, as I paid Rs.2012/- on 17th Dec 05.

7) On 18h Jan 06, bill was for Rs. 8135.59

8) Later, I only received the statment on 18th Jun 06 which was for Rs. 11786/-

Now, I received a call and they said it is Rs. 33000/- and mentioned that my principal amount was 11000/- (Rs. 5000 + another small shopping for Rs. 6000 before the card was blocked.) This is not true as I have all the bills. I made 3 payments (400 + 1000 + 2012) and the only amount which I did not pay was Rs. 5000/- as it did not belong to me.

I sent various letters to chennai office and made various phone calls to customer care and collection department but no one gave a response or favorable reply.

You can see that I never intended not to pay the bill as I cleared al my dues, however, I just wanted to get the invalid transaction reversed as I do not belong to a rich family who can pay so much.

Please look into it and help as I do not have enough money. Maximum I can try to arrange is Rs. 3000 to 4000/-. Please help urgently.

The time limit is 3 years, now no one can take any legal action against you, and their is no use to pay 3000/- or 4000/- as your name is already in CBIL defaulter list and can not be removed if you pay part payment.

The main drawback is that you can not avail any loan from any bank.

Can you tell me then..how to get it removed from the defaulter list.. m not part paying now.. m now paying more than the principal amount i.e. Rs. 5000/- was the prinicipal amount and I am more than that..

To get removed your name from the CBIL defaulter list you need to clear all the dues.