[Resolved]  HDFC Bank — no due certificate and did not keep the promises by hdfc bank

Address: New Delhi, Delhi

Hi, my name is Nitin Chanana .I was using a credit card of HDFC bank . I dont know exactly, however roughly i can say i used that card for approx 2 - 3 years without any issue . I was payingall my bills on time etc . After that due to some circumstances i used my card for approx rs 75000 and was not able to deposit the credit card bills . Months passed but i was not in a situation that i could pay my credit card bills yet however when ever the customer service from hdfc called me about the payments, i inform them that am not in a very good financial situation . I ALWAYS ASSURED THEM THAT ONCE I AM IN A SITUATION TO PAY MY BILLS I WILL CALL HDFC BANK MYSELF AND WILL THE THE BILLS + I WILL PAY INTEREST + I WILL PAY THE PENALITIES AS WELL . The same i did . nearly in 2014 my financial situation become good and i went to lot of branched of hdfc bank myself that i want to pay the bills, interest and penalities and i called hdfc customer service as well and informed them the same . HDFC bank and HDFC customer service both denied to take the payments as according to them my case was transferred to their collection department . So i waited for the call from collection department and when they called me i invited them to my office in sector 2 noida . The person named Vinay ( who introduced himself as HDFC collection department representative and his supervisor came to my office . I told them that i want to clear my bills . The total payment they said is Rs 1, 22, 401 ( Principal amount + interest + penalities ) .Also they told me that if i just want to settle the matter then i can settle it in lesser amount by paying just around Rs 80, 000 . I said no I do not want to do any settlement but I want to pay the complete amount as I am very thankful to the HDFC bank that they waited so long for me to pay my bills .However I requested them to break this whole payment of Rs 1, 22, 401 into 3 installments .The HDFC collection department representatives took permission from their upper management and issue me a letter ( Reference number . for letter Del/NI/16681 ) . According to that letter, i was allowed to pay the amount in 3 installments and in return to that HDFC will issue me a NO DUE CERTIFICATE and the status of my card account will be updated in the CIBIL database . Also after the entire payment on the card account they will issue me FD based credit card as per my request . Then I paid the total amount in 3 installments as promised :: 1. First installment of 40, 050 on 29 march 2014 . 2. second installment of 40, 050 on 29 april 2014 . 3. third installment of 42, 600 on 31 may 2014 . The HDFC payment receipts and the letter issues are attached with this as attachments . So in total I paid Rs 1, 22, 700 . Its been a year now and i have not got any reply or any NO DUE CERTIFICATE from HDFC bank . Not even they have updated my CIBIL . I think this is a very bad customer service from HDFC bank toward their reliable customers .So i want that HDFC bank should take care of this issue and issue me a NO DUE CERTIFICATE and also update my CIBIL rating . Thank you, Name :: Nitin Chanana Credit card number :: [protected] Current Address :: Plot no. 579, flat no. G-3, Niti Khand - 1, Indrapuram, Ghaziabad, U.P-201010 .