Hi,

This is Jayesh Nagda,

I have been a customer of HDFC bank since 2004 the time i started my career with Accenture and still hold the same salaried savings account with your bank.

This complain i regarding my credit card Number : 4346-7730-0002-5640
The card was issued to me in Sep 2004 and i had been using this card till 2008


1) The transaction in dispute was on my credit card statement of Oct 2008, there was a transaction by the name of "Arvind Brands LTD" for Rs 1812.
2) What had happened at the store is that i had swiped my card and i was told that the card did not work, on which i paid via cash.
3) On seeing the amount on my card i had called up the customer care and reported the same.I was ensured that this will be resolved.
4) I had other purchases during that month and the total due amount was 4026, out of which i paid 3000 assuming that the 1812 would be reversed back in next month and will waive off against future credit.
5) I did not get a response on my complaint, but after seeing amount due on the next month, i had raised another request for the same. I asked the customer care to provide me with a receipt for the same as i have a receipt of the store with paid in cash stamped on it.
6) In between in Dec i had to move onsite when i had called up the customer care and requested my card to be closed.

7) On coming back a year later i was shocked to find that the amount of 1026 Rs pending had grown to some 4000 Rs
I immediately called up customer care and talked to them about the issue. i was told that they are closing the card.
Later i realized that the letter says there is a outstanding amount of Rs2000.

8) Post this there were a couple of months of communications between the CC department and me where in finally the lady trying to settle the matter agreed to send a person to signed collect the copy of the bill and get back.

Post this i did not receive anything on this card

Until suddenly today when i heard from my banker where i had applied for a loan that there was outstanding amount against me for HDFC card of 5150 which has been written off for which my loan cannot be approved/

I will kindly request you to look into this matter and get the matter resolved, i have already provided a copy of the receipt and can send across once again if required.

I have been a loyal customer and during my tenure of using the Credit card there have been couple of occasions where because of my lapse i have paid the late fees and other charges.

not to say that if defaulting on the amount was what i wanted to do i wouldn't have paid the whole amount rather than keeping the 1000 Rs


I have been asked to get a No dues certificate from your bank,
Firstly on immediate bases i want to settle this matter, and then i will followup this to get a refund of the amount. as i dont want my home loand file to be stalled.