I am Chandra Shekhar Dwivedi, a customer to HDFC bank who was honored HDFC gold Credit Card. I have been using it since last one year and was happy with the services.
From the last few months there have been some problems. Please read them:
I was using Hutch as the service provider for my mobile the no is: [protected]. Unfortunately at the very same day when I made the payment of my hutch phone through my HDFC Credit Card, I lost my mobile. I called up hutch Customer Service to stop the outgoing calls and tell the last few dialed numbers. As there was calls being frequently made by the caller on some nos. I thought I could track my mobile through those nos. However Hutch CS denied to provide me the call details. I said that if you will deny me only about my last dialed nos, I would deny paying you as to tell me this has been mentioned in our service agreement. Despite of that they denied. I called HDFC bank credit card CS who told me that the payment for the merchant is still not claimed and they can only stop the payment if the merchant would not claim them. I called up Hutch again requesting them to do so, but was advised that they would not be able to do that at their end which was perfectly sensible. I again called up Credit card CS and was advised to send a fax for the same. To get you all aware is that the people sitting at CS of HDFC are so ignorant that they themselves do not know how to help and assist CS. The communication went on till approximately 2 o clock in the night and I have to pay approximately 400 bugs to my colleague whose phone I was using for calls. Ultimately I was assured by the CS that the payment would not be credited to the merchant even if they will claim that.
However, one can never trust CS team of HDFC, and the same happened with me. It made me pitched off.
I booked an online reservation of IRCTC by my HDFC credit card. The passengers were my mother and my sister. They were traveling at night in a Sleeper Coach. My mother is a mental patient and my sister has been the acting guardian. I did not have time to go and see off them and since the ticket printed online was confirmed, I did not have enough to bother. The Ticket Checker while verification said that he can not validate the same due to some reason. Later on when my sister informed me from some one's mobile I was shocked and was helpless to do anything. I called up Station inquiry and they also were helpless. Then I called up CS of HDFC credit card to check the status of payment. I was advised that the payment was invoiced however the merchant has not claimed that. I asked them to stop their payment and explained them the whole incident. However they denied my request and said that they could not do it at their end and I need to contact IRCTC which was closed during those hours. The next day I contacted the IRCTC, they said they could not do anything as the reservation was past dated and the bank has paid them the amount. I could not claim the cancellation as well.
Problem III: Despite of all these chaos when the bank could actually have saved me from all those above chaos, I made my mind to repay the whole amount. I contacted CS for the repayments. As I had one disputed postings of a Mobile Purchase on my card Account, I got my card Blocked. I contacted CS to reissue my credit card and send me the bills also. I was told that it would get delivered within 15 days following the receipt a written request for the same. I gave the request and did not got the card. When I contacted CS to know about the status of reissue, I was told that it would not be possible for the bank to reissue the card till I do not clear my total outstanding. I humbly said that I have got funds available and would repay the card but I would require my card to live up my livelihood for the rest of the month. But the CS Executive was rude and firmly said that the bank would not address the request till the time they would not receive the payment. I said that if in case I would not get my card back then in that case I would not make any payments as I would be using my funds for my Higher Studies. I was advised that it would be my sole wish and she is not bothered for that. I asked to call up the supervisor on the call and was told that she would not be able to do that as well and disconnected the call.
Problem IV: I then went off on my leaves for my higher studies. After some time, I got a mail from Meenakshi Mehrotra from HDFC Bank regarding the payments on which I reverted the same day. I would definitely start banking with HDFC after I get back from my leaves. I do not have funds available now to repay the bank as I have already used that. After this, I was given some threatening calls by Mr. Vikram Rana who said that he is from the Legal Department of HDFC bank Rajauri. Apart from me he started giving calls to my family as well. My father was mentally assassinated by those calls. I have some clippings of those conversation which I would love to post if in case if continues. I contacted Bank n no of times, and they only apologized and kept promising for a call back since last 15 days. I got a call from Summit who said that there would definitely be some compensation after the verification. I am still waiting for a resolution and will definitely keep on updating the same.