I would like to bring to your notice about misbehavior of HDFC Credit Card recovery Officer. I am a holder HDFC Visa Platinum Credit Card 4050 2820 0244 2437, this is complaints regarding the Abusive language & misbehavior of HDFC Credit Card Officer with my Mother & my younger sister at my residence on 22/10/11. The matter is - in the month of August 09 2011, my due date of Credit Card & the outstanding was 10500/-, whereas i had made the payment by Cheque on 06th of August 2011, but till 9th of August when HDFC Credit Card department didn't received my cheque, continuously inquire my IDBI Bank as well as to HDFC Customer Service also, while i was confirmed that HDFC Credit Card did not get my cheque on 16th August 2011 i made ATM Transfer from the HDFC Saving Account, then on 19th August 2011, in spite of cash payment HDFC Credit Card Collection Department had deposited the cheque & in my IDBI Bank account showed deficit balance for clear the cheque, as i had already made the payment & i didn't have sufficient balance, the cheque had been bounced, now since that day i am continually asking to HDFC Customer Service to refund my cheque bounce charges which my bank (IDBI Bank) had charged me, or else refund any actual expenses done by me, but since that day the HDFC Customer Service People were talking to me very irritating way, i remember the name of Tejal, Upendra, Christy, and four other people i dont remember their name, and the hectic day was when this Ashlesha and Sureshi reached at my residence & started abusing my mother and my younger sister by saying "tumhari ladki ne 100000 ka loan uthaya aur bharanae ke naam par har roj fault promises karati he" there no. were ashlesha - 9322534141, & Sureshi no. is 9920819655. As per my knowledge this banking people did not have right to misbehave at clients residence, and talk abusively with parents, and SPECIALLY THAT GUY HAD USED VERY CHEAP LANGUAGE WHICH I HAD RECORDED IN MY PHONE, when he called me second time his lines (SAALI TUJHE CARORPATI BANANE KA BOHAT SHAOUK HE GHAR WALE ITANE GARIB HE AUR TUJHE BANK KE PAISE SE LAKHPATI BANA HE, TU GHAR PE KITANE BAJE AA RAHI HE MAIN IDAHRICH BETHUNGA) i wish to attach that recording also but there is not any option to attach any file or else i can send you the from sendspace.com. Send big files the easy way![/URL]. As per these guys my outstanding is 100000/- of Rs. whereas till the date my outstanding is Rs. 45000/-.

Even when i lodged complaint to HDFC Support Email id also, they were demand for the Recording, when i send them recording by sendspace.com as the file size is bigger, then also they wanted to meet me (the person name is Virag (who call me) and his Senior Manager - Mr. Savio Fernandes) by saying that they can’t download this link, i have to meet them personally, just because by this recording only they will take any action against those people. But i told them if you people promise me to refund me the cheque bounced charges then only i will think to come to your office or allow you to come to my office, otherwise will meet in consumer court.




MY QUESTION IS "IS BANK PROVIDES CREDIT CARD ON THE BASIS ON THEIR FAMILY BACKGROUND?
IS BANKING PEOPLE HAVE THIS RIGHT TO ABUSE FAMILY MEMBER OF CARD HOLDER?
WHAT CARD HOLDER WILL DO IF BANK IS IN DEFAULT?
DOES THESE COMPANIES PROVIDE THE CREDIT CARD TO DEFAULT PEOPLE AND ABUSE THEM?
Inspite that, the matter goes in Mr. Savio Fernandes hand, he also argued with me for 4 days and after that even when I was not agree to make the payments he comes to the point of settlement, I asked him what is meaning of settlement, he explained me till the date my outstanding is 85000/- they will settle it by some of less amount to the actual, and difference amount bank will show in loss, I agreed with his sentence, and I agreed for the settlement then suddenly Ms. Charu came in the picture she also argued with me at least 1 hour. Then at last she explained me that the settlement amount will be 70600/- in 8 months EMI, but when I ask her, what about No Due Certificate from CIBIL? then she told me that my minimum amount still due with CIBIL till I am not cleared, here I shocked to listen this that Mr. Savio had confirmed me that this settlement amount is only the amount which I have to pay and then I will be cleared from CIBIL also, but when Ms. Charu told the detail I asked her to send the massage to Mr. Savio to call me because I wanted to clear from him also, then on 3rd day Mr. Savio called, once again he fought with me, by saying that I have to clear to all dues, when I asked him “why did he misguided card holder by giving them fault commitment” and I also asked him that I had sent you the recording of Mr. Sureshi (Person who Abused me and my Family member) then why Ms. Aslesha(Person who Abused me and my Family member)called me why not Mr. Sureshi then Mr. Savio Accepted that the Mr. Sureshi is not the HDFC Bank Employee.
As i am not defaulter i cleared my all dues till 09 of August 2011, why HDFC Bank Credit Card Collection Department wanted extra payments by depositing the cheque, inspite of that they continually harassing me and my family, whereas i just demanding to refund the cheque bounce charge i.e. Rs. 250/-, & reimburse all the other charges levied by HDFC Bank Credit Card Department. In this situation please suggest me the best solution to resolve this problem.

with regards
Namrata Maurya
9867128983

Originally Posted by namrata.maurya

I would like to bring to your notice about misbehavior of HDFC Credit Card recovery Officer. I am a holder HDFC Visa Platinum Credit Card 4050 2820 0244 2437, this is complaints regarding the Abusive language & misbehavior of HDFC Credit Card Officer with my Mother & my younger sister at my residence on 22/10/11. The matter is - in the month of August 09 2011, my due date of Credit Card & the outstanding was 10500/-, whereas i had made the payment by Cheque on 06th of August 2011, but till 9th of August when HDFC Credit Card department didn't received my cheque, continuously inquire my IDBI Bank as well as to HDFC Customer Service also, while i was confirmed that HDFC Credit Card did not get my cheque on 16th August 2011 i made ATM Transfer from the HDFC Saving Account, then on 19th August 2011, in spite of cash payment HDFC Credit Card Collection Department had deposited the cheque & in my IDBI Bank account showed deficit balance for clear the cheque, as i had already made the payment & i didn't have sufficient balance, the cheque had been bounced, now since that day i am continually asking to HDFC Customer Service to refund my cheque bounce charges which my bank (IDBI Bank) had charged me, or else refund any actual expenses done by me, but since that day the HDFC Customer Service People were talking to me very irritating way, i remember the name of Tejal, Upendra, Christy, and four other people i dont remember their name, and the hectic day was when this Ashlesha and Sureshi reached at my residence & started abusing my mother and my younger sister by saying "tumhari ladki ne 100000 ka loan uthaya aur bharanae ke naam par har roj fault promises karati he" there no. were ashlesha - 9322534141, & Sureshi no. is 9920819655. As per my knowledge this banking people did not have right to misbehave at clients residence, and talk abusively with parents, and SPECIALLY THAT GUY HAD USED VERY CHEAP LANGUAGE WHICH I HAD RECORDED IN MY PHONE, when he called me second time his lines (SAALI TUJHE CARORPATI BANANE KA BOHAT SHAOUK HE GHAR WALE ITANE GARIB HE AUR TUJHE BANK KE PAISE SE LAKHPATI BANA HE, TU GHAR PE KITANE BAJE AA RAHI HE MAIN IDAHRICH BETHUNGA) i wish to attach that recording also but there is not any option to attach any file or else i can send you the from sendspace.com. Send big files the easy way![/URL]. As per these guys my outstanding is 100000/- of Rs. whereas till the date my outstanding is Rs. 45000/-.

Even when i lodged complaint to HDFC Support Email id also, they were demand for the Recording, when i send them recording by sendspace.com as the file size is bigger, then also they wanted to meet me (the person name is Virag (who call me) and his Senior Manager - Mr. Savio Fernandes) by saying that they can’t download this link, i have to meet them personally, just because by this recording only they will take any action against those people. But i told them if you people promise me to refund me the cheque bounced charges then only i will think to come to your office or allow you to come to my office, otherwise will meet in consumer court.




MY QUESTION IS "IS BANK PROVIDES CREDIT CARD ON THE BASIS ON THEIR FAMILY BACKGROUND?
IS BANKING PEOPLE HAVE THIS RIGHT TO ABUSE FAMILY MEMBER OF CARD HOLDER?
WHAT CARD HOLDER WILL DO IF BANK IS IN DEFAULT?
DOES THESE COMPANIES PROVIDE THE CREDIT CARD TO DEFAULT PEOPLE AND ABUSE THEM?
Inspite that, the matter goes in Mr. Savio Fernandes hand, he also argued with me for 4 days and after that even when I was not agree to make the payments he comes to the point of settlement, I asked him what is meaning of settlement, he explained me till the date my outstanding is 85000/- they will settle it by some of less amount to the actual, and difference amount bank will show in loss, I agreed with his sentence, and I agreed for the settlement then suddenly Ms. Charu came in the picture she also argued with me at least 1 hour. Then at last she explained me that the settlement amount will be 70600/- in 8 months EMI, but when I ask her, what about No Due Certificate from CIBIL? then she told me that my minimum amount still due with CIBIL till I am not cleared, here I shocked to listen this that Mr. Savio had confirmed me that this settlement amount is only the amount which I have to pay and then I will be cleared from CIBIL also, but when Ms. Charu told the detail I asked her to send the massage to Mr. Savio to call me because I wanted to clear from him also, then on 3rd day Mr. Savio called, once again he fought with me, by saying that I have to clear to all dues, when I asked him “why did he misguided card holder by giving them fault commitment” and I also asked him that I had sent you the recording of Mr. Sureshi (Person who Abused me and my Family member) then why Ms. Aslesha(Person who Abused me and my Family member)called me why not Mr. Sureshi then Mr. Savio Accepted that the Mr. Sureshi is not the HDFC Bank Employee.
As i am not defaulter i cleared my all dues till 09 of August 2011, why HDFC Bank Credit Card Collection Department wanted extra payments by depositing the cheque, inspite of that they continually harassing me and my family, whereas i just demanding to refund the cheque bounce charge i.e. Rs. 250/-, & reimburse all the other charges levied by HDFC Bank Credit Card Department. In this situation please suggest me the best solution to resolve this problem.

with regards
Namrata Maurya
9867128983

Dear Ms Maurya,

We are sorry for the behaviour of our bank executives and regret the inconvenience caused. We will look into this from our end and take it up with the concerned teams. If you have any queries or concerns in future regarding this issue, please write to talktous@hdfcbank.com with the reference ID TTU000395405122011.

Regards, Customer Assistance, HDFC Bank

i Namrata Maurya, reference to mail you earlier regarding misbehaviour of HDFC representative, again HDFC Employee "aarey Raj" (said on phone) mobile no. 8976959857 come to my home again ARGUED with my mother and his Senior Mr. Sandeep mobile no. 9867722896 talk to me on phone, very irritating way having recording too, when i ask RAJ to show hid ID to Mother he runaway,
i has already call to Police and when i told him wait police will come and talk to you, he runaway, why???? if he is HDFC Bank Employee then why he RUN?
This is best collection against HDFC Bank & Employees too...................

with regards
namrata maurya

Originally Posted by namrata.maurya

I would like to bring to your notice about misbehavior of HDFC Credit Card recovery Officer. I am a holder HDFC Visa Platinum Credit Card 4050 2820 0244 2437, this is complaints regarding the Abusive language & misbehavior of HDFC Credit Card Officer with my Mother & my younger sister at my residence on 22/10/11. The matter is - in the month of August 09 2011, my due date of Credit Card & the outstanding was 10500/-, whereas i had made the payment by Cheque on 06th of August 2011, but till 9th of August when HDFC Credit Card department didn't received my cheque, continuously inquire my IDBI Bank as well as to HDFC Customer Service also, while i was confirmed that HDFC Credit Card did not get my cheque on 16th August 2011 i made ATM Transfer from the HDFC Saving Account, then on 19th August 2011, in spite of cash payment HDFC Credit Card Collection Department had deposited the cheque & in my IDBI Bank account showed deficit balance for clear the cheque, as i had already made the payment & i didn't have sufficient balance, the cheque had been bounced, now since that day i am continually asking to HDFC Customer Service to refund my cheque bounce charges which my bank (IDBI Bank) had charged me, or else refund any actual expenses done by me, but since that day the HDFC Customer Service People were talking to me very irritating way, i remember the name of Tejal, Upendra, Christy, and four other people i dont remember their name, and the hectic day was when this Ashlesha and Sureshi reached at my residence & started abusing my mother and my younger sister by saying "tumhari ladki ne 100000 ka loan uthaya aur bharanae ke naam par har roj fault promises karati he" there no. were ashlesha - 9322534141, & Sureshi no. is 9920819655. As per my knowledge this banking people did not have right to misbehave at clients residence, and talk abusively with parents, and SPECIALLY THAT GUY HAD USED VERY CHEAP LANGUAGE WHICH I HAD RECORDED IN MY PHONE, when he called me second time his lines (SAALI TUJHE CARORPATI BANANE KA BOHAT SHAOUK HE GHAR WALE ITANE GARIB HE AUR TUJHE BANK KE PAISE SE LAKHPATI BANA HE, TU GHAR PE KITANE BAJE AA RAHI HE MAIN IDAHRICH BETHUNGA) i wish to attach that recording also but there is not any option to attach any file or else i can send you the from sendspace.com. Send big files the easy way![/URL]. As per these guys my outstanding is 100000/- of Rs. whereas till the date my outstanding is Rs. 45000/-.

Even when i lodged complaint to HDFC Support Email id also, they were demand for the Recording, when i send them recording by sendspace.com as the file size is bigger, then also they wanted to meet me (the person name is Virag (who call me) and his Senior Manager - Mr. Savio Fernandes) by saying that they can’t download this link, i have to meet them personally, just because by this recording only they will take any action against those people. But i told them if you people promise me to refund me the cheque bounced charges then only i will think to come to your office or allow you to come to my office, otherwise will meet in consumer court.




MY QUESTION IS "IS BANK PROVIDES CREDIT CARD ON THE BASIS ON THEIR FAMILY BACKGROUND?
IS BANKING PEOPLE HAVE THIS RIGHT TO ABUSE FAMILY MEMBER OF CARD HOLDER?
WHAT CARD HOLDER WILL DO IF BANK IS IN DEFAULT?
DOES THESE COMPANIES PROVIDE THE CREDIT CARD TO DEFAULT PEOPLE AND ABUSE THEM?
Inspite that, the matter goes in Mr. Savio Fernandes hand, he also argued with me for 4 days and after that even when I was not agree to make the payments he comes to the point of settlement, I asked him what is meaning of settlement, he explained me till the date my outstanding is 85000/- they will settle it by some of less amount to the actual, and difference amount bank will show in loss, I agreed with his sentence, and I agreed for the settlement then suddenly Ms. Charu came in the picture she also argued with me at least 1 hour. Then at last she explained me that the settlement amount will be 70600/- in 8 months EMI, but when I ask her, what about No Due Certificate from CIBIL? then she told me that my minimum amount still due with CIBIL till I am not cleared, here I shocked to listen this that Mr. Savio had confirmed me that this settlement amount is only the amount which I have to pay and then I will be cleared from CIBIL also, but when Ms. Charu told the detail I asked her to send the massage to Mr. Savio to call me because I wanted to clear from him also, then on 3rd day Mr. Savio called, once again he fought with me, by saying that I have to clear to all dues, when I asked him “why did he misguided card holder by giving them fault commitment” and I also asked him that I had sent you the recording of Mr. Sureshi (Person who Abused me and my Family member) then why Ms. Aslesha(Person who Abused me and my Family member)called me why not Mr. Sureshi then Mr. Savio Accepted that the Mr. Sureshi is not the HDFC Bank Employee.
As i am not defaulter i cleared my all dues till 09 of August 2011, why HDFC Bank Credit Card Collection Department wanted extra payments by depositing the cheque, inspite of that they continually harassing me and my family, whereas i just demanding to refund the cheque bounce charge i.e. Rs. 250/-, & reimburse all the other charges levied by HDFC Bank Credit Card Department. In this situation please suggest me the best solution to resolve this problem.

with regards
Namrata Maurya
9867128983

As per the RBI act, the Bank / the recovery agents cannot follow such unruly policy. You can take legal help and you can sue the bank. Mostly it is the recovery agents who adopt such kind of unprofessional language and demeanor. Please lodge a complaint in the Ladies police station and talk to an advocate.