It is the most horrible banking experience that I have gone through and I am literally being harrassed by your bank for no fault of mine. I never got the details of the so called outstanding and the copy of so called settlement letter signed by me.

I also got a call from Ms Mandeep after Ms Ruchi Walia called me, just to convey whatever Ms Ruchi Walia has told me was not correct??????? Amazing committments ? She clearly refused to give me the escalation matrix being followed in your bank despite this issue remain pending for so long.

My following questions still remains unasnwered and despite repeated requests you are not reverting on mails with the history attached..

What made you to arrive at this amazing figure of Rs 34/- as settlement figure?
What made you to upgrade my credit card which had an overdue to platinum card? Why any outstanding, if there was any, was billed to my platinum card statement.?
Why I was not communicated by your bank ever about any details about the dues on my previous credit card.
Why this matter has come up so late when it existed in the past?
When this matter has been reported to CIBIL?.

I am simultaneously taking up this matter with banking ombudsman, as it is not resolved at all.

Regds
Sanjeev Kumar

--- On Wed, 7/22/09, HDFC Bank Credit Cards Support wrote:


From: HDFC Bank Credit Cards Support
Subject: RE:\'HBL=007-523-081\' Fw: Re: Fw: Cibil Clarification---Control No. 3********--Sanjeev Kumar
To: \"sanjeev sharma\"
Date: Wednesday, July 22, 2009, 6:44 PM


Dear Mr. Kumar,

This is in continuation to your e mail dated 21/07/09 and subsequent conversation with our bank officer, Ms.Ruchi Walia regarding your credit card account.

Taking complete note of the circumstances explained by you we have taken a detailed review of your card account and wish to share the findings with you.

As informed in our earlier mail we wish to reiterate that we were in receipt of your payment towards an amicable settlement prevalent during May’07.

As apprised during the conversation we request you to effect a payment for the waived amount of Rs.3947.00 to enable us issue a no dues certificate towards the card account and update your details in CIBIL accordingly.

Mr.Kumar, in the event you seek any further assistance / clarification with regard to your credit card, please feel free to contact us at: 011-43161511 / 43161513 or write to us at: customerservices.cards@hdfcbank.com for the same.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website \"www.hdfcbank.com\" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.

Assuring you of our best attention at all times.

Regards,


Rajeswari Jayasekar
Senior Manager – Service Quality
Credit Cards