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I want to complaint against HDFC credit card services. I have HDFC credit card ending with 2174 of limit ₹40000. I made a purchase of ₹33700 on Amazon in October 2022 and that request was cancelled same day. After some days I made I made purchase of ₹31, 372 and ₹6599 on emi and I was paying emi. Last month I calculated and found I have already paid the amount. Now when I checked I found 3 order emi was also going from starting and I have paid ₹25000 principal + ₹4000 interest extra to bank. When I contacted the HDFC Bank they told me that you didn't cancelled the emi that's why it was ongoing and they will only pay interest i.e ₹4000. Sir I need my money back from hdfc and they are threatening me to pay the rest amount of the product emi which is ₹14385. If that amount is deducted from the extra amount that I have paid that amount will be cleared and they need to pay me 11000 principal amount and ₹4000 interest.
And I have another question to HDFC Bank of the limit is ₹40000 how can they allowed me transaction of more than ₹70000 which is not possible at all as I have Kotak and Axis credit card too. I have registered cyber complaint also under complaint#[protected]
Sir my request to you is to get my money back. You are my last hope.
I have attached screenshot of the all 3 purchases(loan#85827565 was cancelled but bank didn't cancel)
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