HDFC BANK Complaint – EMI Not Converted By Bank And I’m Being Charged For Finance And And Late Fees

Subject: EMI Not Converted by Bank and I'm being charged for finance and and late fees
My Name: Purna Prasad Poudyal
My City: Imphal
My Complaint Against: HDFC BANK
Complaint Category: Banks Complaints
Claim Amount (Approx.): 25k
My Complaint Description:
Hi Sir/Madam,
I made an 9 months EMI transaction of 50k for at Spice Retail Store at Sahara Mall Gurgaon to purchase iPhone through HDFC Bank Credit Card on 24 August 2015 . But I lost my wallet in which I kept my Credit Card on the very next day so just to avoid misuses of my Credit card I blocked my Credit card. After 2 or 3 days I got sms from the bank that there's a problem in converting your EMI kindly contact the bank after reading that sms from the bank I quickly called up the bank and narrated my the complete story, then the bank executive told me to apply for a fresh card and emi will be converted itself which I did right away. After few days I received my new credit card but when I saw my Credit Card Statement EMI was not converted. After that I called up bank and inform them to cross check and resolve the issue (as I wasn't and still I'm not in a condition to to make the complete payment as per the statement) they told me to send an email at the customer service. I send an email to customers service about the problem I got a reply from Rachit.gaur@pinelabs.com telling me to write a complaint to the same customer care. As my email is being ignored I called up to the customer care and narrated the whole story everytime I called (at least 70 time approx) then the executive told me not to make the payment on that first month so I didn't make the payment. From next month I started getting threatening kind of a call from the collection team that police will reach my place if I don't make the payment. I was totally frustrated and mentally tired of thinking who is going to help me on the issue. So I started making Rs. 10k payments on monthly basis which is already now 50k and I made payment of Rs. 5k on 15/06/2016.

For God sake someone please help me HDFC Bank has cheated on me I'm not a son of rich parents. I purchased that phone without eating my breakfast and lunch while working in a retail company as an executive.
I'll provide my Credit card detail over the phone or Email.

Thank You
Purna Prasad Poudyal

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3 thoughts on “HDFC BANK Complaint – EMI Not Converted By Bank And I’m Being Charged For Finance And And Late Fees

    • Hi Sir/Madam, I made an 12 months EMI transaction of 50k for at Spice Retail Store at Sahara Mall Gurgaon to purchase iPhone through HDFC Bank Credit Card on 24 August 2015 . But I lost my wallet in which I kept my Credit Card the very next day so just to avoid misuses of my Credit card I blocked my Credit card. After 2 or 3 days I got sms from the bank that there’s a problem in converting your EMI kindly contact the bank after reading that sms from the bank I quickly called up the bank and narrated my the complete story, then the bank executive told me to apply for a fresh card and emi will be converted itself which I did right away. After few days I received my new credit card but when I saw my Credit Card Statement EMI was not converted. After that I called up bank and inform them to cross check and resolve the issue (as I wasn’t and still I’m not in a condition to to make the complete payment as per the statement) they told me to send an email at the customer service. I send an email to customers service about the problem I got a reply from Rachit.gaur@pinelabs.com telling me to write a complaint to the same customer care which I already did. After that another e-mail I received was from manit.tiwari@pinelabs.com he told me to send the pic of a emi charge slip I send him that too. After that email was sent I didn’t get any reply from the bank. I keep on sending the email but it was totally ignored. As my email is being ignored I called up to the customer care and narrated the whole story everytime I called (at least 70 time approx) then the executive told me not to make the payment on that first month because they’re looking for a solution to short it out (I wonder the guy who received my call is still looking at it) so I didn’t make the payment. From next month I started getting threatening kind of a call from the collection team that police will reach my place if I don’t make the payment. I was totally frustrated and mentally tired of thinking who is going to help me on the issue. So I started making Rs. 10k payments on monthly basis which is already now 50k and I made payment of Rs. 5k on 15/06/2016 total payment comes to 55k. Kindly waive off my finances charges from August 2015 statement. For God sake someone please help me I beg you . I’m not son of Ambani. My parents are not rich enough to pay to banks. My old Credit card no : 5242160001860658 New card no. :5242160003004750 Name: Purna Prasad Poudyal Email: Purna_pdyl@yahoo.com My previous contact no.is changed. You can contact me on the no given below. Thank You Purna Prasad Poudyal 9612003069

  1. Dear Customer,

    Request you to write to talktous@hdfcbank.com along with your customer ID, charges detail and registered contact details. Kindly mention the ref ID- TTU-160616-05 in the subject line. We will take it up on priority.

    -Bejoy
    HDFC Bank Customer Assistance.

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