Hi Guys ,
Pathetic service from HDFC BANK for Credit Cards dept.
Check out following mail trail for full story. I end up paying whole ammount and will not continue using that in future.
From: HDFC Bank Credit Cards Support [customerservices.cards@hdfcbank.com] Sent: Fri 8/17/2007 11:31 AM
To: Bharat Sarmalkar (WI01 - Services)
Cc:
Subject: <AUTO> 'HBL=004-089-977' Thanks for your valuable support ...!!!!
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** This is an auto-response. The interaction is being tracked through the subject line. Please do not modify it**
Dear Customer,
Thank you for writing to us. This auto-acknowledgement confirms the receipt of your email.
If you have raised a query, we will get back to you shortly. If you are an existing credit cardmember and have not mentioned your credit card number in your e-mail, please send us an e mail mentioning the same, to help us assist you faster.
Our customer service representatives are available 24 hours a day, 365 days in a year for online assistance for your credit card queries at the call center numbers mentioned below.
Warm regards,
Credit Cards Team.
24 Hr Customer Support Center Numbers
Ahmedabad/ Baroda/ Rajkot/ Surat/ Ankleshwar/ Bharuch/ Gandhinagar/ Bardoli / Vapi / Bhavanagar/ Dahej/Silvassa/ Daman 079- 66004332
Bangalore / Mysore/ Mangalore 080-66224332
Bhopal 0755-4004332
Chandigarh / Ropar / Rajpura / Sohana/ Rohtak / Jammu 0172- 4694332
Chennai 044-66004332 Coimbatore / Trichy/ Erode/ Madurai 0422-4384332
Cochin / Thiruvalla/ Calicut / Manjeri/ Chenganacherry 0484-4084332
Delhi / Panipat 011-41514332
Lucknow/Kanpur/Allahabad 0522-4004332
Raipur 0771-4084332
Hyderabad / Tirupati 040-66624332
Indore / /Gwalior/ Jabalpur/Ratlam/Mandsaur 0731-4074332
Jaipur/Jodhpur/Udaipur/Kota 0141-5114332
Kolkata /Siliguri / Durgapur 033-22104332
Mumbai 022-28564332
Pune / Jalgaon/Ahmednagar 020-66034332
-----------------------------------------------------------------------------------
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organisation is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise . The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd.
-----Original Message-----
From: bharat.sarmalkar@wipro.com [bharat.sarmalkar@wipro.com]
Sent: Friday, Aug 17 2007 11:24AM
To: customerservices.cards@hdfcbank.com [customerservices.cards@hdfcbank.com]
Cc: mervin.fernandes@hdfcbank.com [mervin.fernandes@hdfcbank.com]; dominic.d'souza@in.hdfcbank.com [dominic.d'souza@in.hdfcbank.com]; Meenakshi.Iyer@hdfcbank.com [Meenakshi.Iyer@hdfcbank.com]
Subject: Thanks for your valuable support ...!!!!
Hi depti,
Am i suppose to explain the problem to every body in hdfcbank customer care ?
I have no issues in paying the bill. If you can check my history i have never delayed a bill. I just wanted you to confirm my exact payable amount on that occasion (25th June bill).
25th June i got a call from credit card dept. , i told him "some errors" in my statement, as per discussion with him, i made an interim payment of 1000 rs. but i didn't got any confirmation call on settlement amount from him back. i reverted on mail to Meenakshi.Iyer@hdfcbank.com (you can see that in trailed mail) . No reply from her.
After all this if you still want me to pay all specified amount, let me know. I will pay that. But along with this, please deactivate this card and confirm.
I have other credit card options available.
Thanks & Regards ,
Bharat Sarmalkar
IT Security Administrator
Mobile # 9819904222
bharat.sarmalkar@wipro.com
C|EH | CCSA | SCTA | MCSA | CompTIA Security+ Certified .
Dear Mr.Sarmalkar,
This is with reference to your e-mail regarding your card account.
We understand your concerns regarding the finance charge, we wish to inform you that in the event payment less than the total outstanding is received then finance charges is applicable. The same is mentioned in the Card Member Usage guidelines. We sincerely regret our inability to reverse the same.
Should you require any further assistance or clarification please do not hesitate to contact our service representatives at any of our 24 hour Call Center telephone numbers given below.
Assuring you of our best service at all times,
Sincerely,
Depti
Customer Service Officer
From: Bharat Sarmalkar (WI01 - Services)
Sent: Mon 8/13/2007 10:28 AM
To: customerservices.cards@hdfcbank.com
Cc: Meenakshi.Iyer@hdfcbank.com
Subject: FW: Your HDFC Credit Card statements
Hi Harsha ,
Thanks for the clarification, I will check that and revert on Issue 2) mentioned on my mail
I request you to please check history of mail and revert on Issue 1). I can def. understand the payment delayed but request you to understand why?
Do you really want me to pay this amount ? as I was waiting for confirmation from your side.
Please confirm, so that I can proceed further.
Thanks & Regards ,
Bharat Sarmalkar
IT Security Administrator
Mobile # 9819904222
bharat.sarmalkar@wipro.com
C|EH | CCSA | SCTA | MCSA | CompTIA Security+ Certified .
Dear Mr.Sarmalkar,
Thank you for writing to us.
This is further to your e mail regarding the card account .
With reference to your e mail regarding the finance charges , we wish to inform you that in the event we are in receipt of no payment, delayed payment or payment less than the minimum amount due then late payment charges and finance charges are applicable.
We observe from our records that , we have received part payments towards the card account and hence Finance charges are billed.
We wish to inform you that charges in Foreign currencies will be converted into indian Rupees using the exchange rate established by the bank for such transactions on the date when charges are processed by the Bank or authorised agents, plus any applicable conversion commission. Amounts converted by the third parties such as airlines or other Establishments will be billed at their rates.
We wish to clarify that the International transactions are converted into Indian Rupees using the exchange rate established by the VISA International for such transaction on the date when the charges are processed by the member bank, plus any applicable conversion charges. These rates are determined by VISA for such interbank/intercountry settlement and the same would apply in addition to the bank markup rates for transactions on the credit card for international transactions. 'The Cross currency Markup' @ 3 .5% on the transaction amount is currently charged for international transactions and the same has been mentioned on the 'Schedule of charges' in the card statement.
We also take this opportunity to clarify that in the case of transactions in other foreign currencies, the transactions are converted to a globally accepted currency value (USD) and then to Indian rupees, which may result in a net difference in the charge amount, when compared to the rate arrived at using regular RBI rate.
Should you require any further assistance or clarification please feel free to contact our Customer Service Executives at any of our 24 hour Call Center telephone numbers given below.
Assuring you always the best of service.
Sincerely,
Harsha
Customer Service Officer
24 Hr Customer Support Center Numbers
Ahmedabad/ Baroda/ Rajkot/ Surat/ Ankleshwar/ Bharuch/ Gandhinagar/ Bardoli / Vapi / Bhavanagar/ Dahej/Silvassa/ Daman 079- 66004332
Bangalore / Mysore/ Mangalore 080-66224332
Bhopal 0755-4004332
Chandigarh / Ropar / Rajpura / Sohana/ Rohtak / Jammu 0172- 4694332
Chennai 044-66004332 Coimbatore / Trichy/ Erode/ Madurai 0422-4384332
Cochin / Thiruvalla/ Calicut / Manjeri/ Chenganacherry 0484-4084332
Delhi / Panipat 011-41514332
Dehradun 0135-2744332
Lucknow/Kanpur/Allahabad 0522-4004332
Raipur 0771-4084332
Hyderabad / Tirupati 040-66624332
Indore / /Gwalior/ Jabalpur/Ratlam/Mandsaur 0731-4074332
Jaipur/Jodhpur/Udaipur/Kota 0141-5114332
Kolkata /Siliguri / Durgapur 033-22104332
Mumbai 022-28564332
Pune / Jalgaon/Ahmednagar 020-66034332
Toll Free No:1800 425 4332
Agra / Ambala / Amritsar / Aurangabad / Bareily / Bhopal / Bhubaneshwar / Bokaro / Cuttack / Dhanabad / Guntur / Guwahati / Hissar / Jalandhar /
Jammu / Jamshedpur / Khanna / Karnal / Kolhapur / Kottayan / Kurukshetra / Ludhiana / Mathura / Meerut / Moradabad /Mapusa / Margoa /
Muzaffarpur / Nabha / Nagpur / Nasik / Palakkad / Panjim / Patiala / Patna / Ponda / Ranjchi / Rewari / Rourkela / Salem / Sangli / Sonipat / Trichur /
Trivandrum / Vasco / Vijayawada / Vizag / Yamuna Nagar
-----------------------------------------------------------------------------------
Disclaimer :
The information contained herein (including any accompanying documents) is
confidential and is intended solely for the addressee(s). If you have
erroneously received this message, please immediately delete it and notify
the sender. Also, if you are not the intended recipient, you are
hereby notified that any disclosure, copying, distribution or taking any
action in reliance on the contents of this message or any
accompanying document is strictly prohibited and is unlawful. The
organisation is not responsible for any damage caused by a virus or
alteration of the e-mail by a third party or otherwise . The contents of
this message may not necessarily represent the views or policies of
HDFC Bank Ltd.
From: Bharat Sarmalkar (WI01 - Services)
Sent: Thu 8/9/2007 3:44 PM
To: customerservices.cards@hdfcbank.com
Cc: Meenakshi.Iyer@hdfcbank.com
Subject: FW: Your HDFC Credit Card statements
Hi all,
Last month statement also I have been charged extra amount, which I am not suppose to. I kept following with you and no revert on mail or on phone.
I need clarity on last two transactions mentioned in the bill of the month of July.
Card no :4346 7720 0168 3076
Issue 1)
Transaction date : 16/07
Details: Finance charges
Charges : 613.74 /-
I specifically mentioned in last mail , I don't want you to charge me extra for your faults. I am not responsible for above amount, simply I will not pay that.
Issue 2)
Transaction date : 27/06
Details: SIC 2 HK
charges : 21,143/-
Dollar rate on 27 June was 40.88 Rs. , I made a payment of 499$ . It comes to 20399.12 Rs.
Why I have been charged 743.88Rs. Extra.
If it is extra charges where it is mentioned that this extra charges are applicable.?
When i spoke to Ms. Neeta Chouhan from customer Care for clerification on above transactions she replied whatever it may be "you have to pay those extra charges as you didn't payed on time" She never tried to understand what was the reason behind that. I take that as an Irresponcible behaviour and bad service towards customer.
Am i responcible for mistakes made from you ?
Why should i pay my money for your mistakes ?
I have tried reminding or clerifying the issue from my end, if you are not reverting, I should not be responcible for extra charges. The root mistake started from you , I will not take blame for that.
Please note : If this is not solved here , i will escalate this to further level.
Revert if possible.
Thanks & Regards ,
Bharat Sarmalkar
IT Security Administrator
Mobile # 9819904222
bharat.sarmalkar@wipro.com
From: Bharat Sarmalkar (WI01 - Services)
Sent: Mon 6/25/2007 10:54 AM
To: Meenakshi.Iyer@hdfcbank.com
Subject: FW: Your HDFC Credit Card statements
Hi meenakshi,
As per information, I hv already made an intrim payment of 1000 rs. , but I still to get proper settlement amount (towards extra charges , already discussed with your helpdesk personal) from hdfc bank.
I don't want u people to fine me for late payment, in next bill cycle..
Thanks & Regards ,
Bharat Sarmalkar
IT Security Administrator
Mobile # 9819904222
bharat.sarmalkar@wipro.com
From: Meenakshi.Iyer@hdfcbank.com [mailto:Meenakshi.Iyer@hdfcbank.com]
Sent: Wed 6/20/2007 11:51 AM
To: bharatsarmalkar@gmail.com
Subject: Your HDFC Credit Card statements
Dear Sir/Madam,
Please find attached your HDFC Credit Card Statements
(See attached file: bharat k 2.gif)(See attached file: bharat k 1.gif)
Thanks & Regards,
Meenakshi Iyer
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the sender. Also, if you are not the intended recipient, you are hereby
notified that any disclosure, copying, distribution or taking any action in
reliance on the contents of this message or any accompanying document is
strictly prohibited and is unlawful. The organization is not responsible
for any damage caused by a virus or alteration of the e-mail by a third
party or otherwise .The contents of this message may not necessarily
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