HDFC Credit Card Fraud
Dear Sir,
I have a HDFC Credit Card. Last month I made a purchase of Rs. 14,300 with a six month EMI option. Before making the payment I made 2 calls to the customer service number to conform the charges associated (Date 17-12-2011, Time 17:50 (Duration 1.40 minutes) 19:00 (1.19 minutes)) I have proof for the same from my mobile service provider. The customer care executive told me that if the purchase is converted into EMI by the merchant then HDFC wouldn't charge me any additional fee and it would be a direct (total amount/6). Even after the purchase I made a call to the customer service and inquired about the purchase and I was told that it would be a direct division. However when this month's statement came there was a processing fee of Rs. 743 (an interest of 10.2% pa). I called up the customer care thrice about the same and every time the supervisor was busy (this was spanning three days). The third time I noted the name of the executive (Chandana) and got a request number (12006446223) and I am yet to receive a call back. And my number was never not reachable during this time.
I would want HDFC to check what there customer care executive have said to me by checking the call logs mentioned and if I am wrong I an ready to pay the amount and if otherwise I want them to reverse entry. However their response to the query was very unprofessional and I wouldn't want to deal with someone like this in the future. These things only damage the goodwill of a company. If I am not getting any response from the bank before the bill due date (22/1/2012) I intend to move against the bank in consumer court.
To add I have made such a purchase couple of months back and I was not charged any such processing fee in that instance. It was also for a six month EMI.
Regards,
Jayakrishnan J N
+91-9167761086
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