[Resolved]  HDFC Bank — No due certificate

Address: 400089

This is Benny Stephan. I had been using the HDFC credit card for more than a year and I had to take a sabatical due to health issues for 9 months and I still managed to make the payment on time even when I was jobless except for 2 to 3 months where I couldn't make the payment of Rs60000. When I could not make the payment, HDFC Bank started calling me everyday and asked me for payment and I had informed them that I was Jobless and that I will make the payment at the earliest. I got a job and my salary account was with HDFC Bank and the HDFC Collections department had put my salary on hold and had taken the entire amount Rs60000 and they told me that I did not owe anything to HDFC Bank anymore and they also informed that the HDFC credit card is permanently blocked. In August, 2016 HDFC Bank has generated another Bill of Rs58 and they had emailed the statement. I was not aware of any such bill to be paid. I called HDFC credit card department and I was informed that I need to pay Rs58 and the representative scheduled a call back from the Collections department. I got a call today from the Collections department and they had informed me that I need to pay Rs58 and they will provide me the No due certificate and also that I need to wait for additional 45 days for the Cibil report to say blank. I also don't understand the term blank used by the HDFC Bank Collections department. I was also not given any information about the reward points that I had been accumulating on the HDFC credit card. Anyway, I have made the payment of Rs60 towards the HDFC Credit card today and I hope to get a call back from the HDFC collections department within 3 days as promised by representative from HDFC credit card department.This was the worst experience I ever had with HDFC Bank. I had read a lot about HDFC Bank not providing the No due certificate to their customers.
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Apr 1, 2023
Complaint marked as Resolved 
My HDFC credit card bills were settled long time back and I did receive the No due certificate. This complaint is resolved.
HDFC Bank customer support has been notified about the posted complaint.
Oct 15, 2016
Updated by Be Curious
I just received a call from Virag from Hdfc Bank grievance department and I was informed that they will be mailing the No due letter to the residential address and also will be emailing the no due certificate to my email address. I was again informed that credit card will remain blocked and all the reward points are lapsed. I informed him that I have 2 credit cards from Hdfc bank. I was informed that when the new card was given to me, hdfc bank had cancelled the old credit and now hdfc bank will only mention about the new credit card number in the no due certificate and will not mention anything about the old hdfc credit card in the No due letter wherein the loan was settled for the old hdfc credit card. I also informed him that if hdfc bank had cancelled the old hdfc credit card then I had never received a No due letter for the old credit card. Virag has told me to send an email to grievance.[protected]@hdfcbank.com requesting a no due certificate for the old hdfc credit card.

I just do not trust Hdfc Bank anymore. I will keep posting the further proceedings.
Oct 15, 2016
Updated by Be Curious
I do not owe anything to HDFC Bank. I have paid everything back to HDFC Bank.
Oct 15, 2016
Updated by Be Curious
I have send this email to HDFC Bank at grievance.[protected]@hdfcbank.com
===============================================================
Hello,

I have paid all the bills linked to the old HDFC credit card and also linked to the new HDFC credit card. This also includes paying the loan which was running on my old HDFC credit card. I request you to provide No due certificate for both the HDFC Bank credit cards. I would also like an acknowledgement about the loans which were running on my old HDFC Bank credit card which I have already cleared.
My old HDFC credit card is **** **** **** **** and My new HDFC credit card number is **** **** **** ****
Oct 17, 2016
Updated by Be Curious
I have received NO due confirmation letter for the new HDFC credit card which I had never used. I have not received No due certificate for my old HDFC credit card. I have also not received any acknowledgement regarding the loan which was cleared on the old HDFC Bank credit card.
Oct 17, 2016
Updated by Be Curious
Received this email from HDFC Bank
==================================================
Dear Customer,

This is with reference to your recent interaction with the Bank requesting for a "No Due Confirmation" letter for your subject credit card account.

Basis your request, please find attached the copy of the No Dues Confirmation letter.The attached document is encrypted for your privacy.You need Adobe Acrobat Reader 6.0 or above to open the attached file. To download Latest PDF Version click on http://www.adobe.com/products/acrobat/readstep2.html

Instructions for Opening the Email Attachment:
1. Click on the attachment provided with this mail.
2. You will be prompted for password.
3.The password consists of the First four letters of your name (in CAPS) and Last 4 digit of your card number or if incase your full Name is less than 4 characters then the password will be your Date of birth in DDMM format along with Last 4 digit of your cardnumer

In case you still have a query, please feel to visit our Bank website (www.hdfcbank.com) under customer center, where you can reach us for any query/complaint on the link provided.

Assuring you of our best attention at all times.

Regards,

Rajeshwari
Deputy Vice President
Retail Portfolio Management - Credit Cards
Oct 17, 2016
Updated by Be Curious
I have sent an email to HDFC Bank credit card team again
[protected][protected][protected][protected][protected]
Hello,

I have paid all the bills linked to the old HDFC credit card and also linked to the new HDFC credit card. This also includes paying the loan which was running on my old HDFC credit card. I have received no due confirmation letter for the new card **** **** **** ****. I was informed that the old HDFC credit card was cancelled when I was given a new HDFC credit card. I have not received an acknowledgement stating my old HDFC credit card had been cancelled. I request you for an acknowledgement stating my old HDFC credit card **** **** **** **** has been cancelled and stating that I have No due on the old HDFC Bank credit card. I would also like an acknowledgement about the loans which were running on my old HDFC Bank credit card which I have already cleared.
My old HDFC credit card is **** **** **** **** and My new HDFC credit card number is **** **** **** ****
Oct 17, 2016
Updated by Be Curious
I have also raised a complaint with the Nodal Officer on the HDFC Bank's website
===============Received the below acknowledgement on their website=================

Thank You for sharing your feedback.
Our Officials will contact you/response will be provided to you, within 7 working days.
Docket number will be sent to your e-mail ID by next working day.
Oct 17, 2016
Updated by Be Curious
Received an email from HDFC Bank
========================================================
Your message

Subject: Re: No Due letter for your HDFC Bank Credit Card account bearing number **** **** **** ****

was not delivered to:

CreditCardOps.[protected]@hdfcbank.net

because:

Error delivering to CreditCardOps.Maintenance; Router: Database disk quota exceeded
 
4 Comments

Comments

i want no - due certificate
hdfc bank
krishna nagar branch
[protected] my a/c no
name v p c v narayanarao
door no 70-11-2 santhi nagar patamata
vijayawada - 520010
Here I am Nirmal Kumar subba from Gangtok, I may kindly be issued "No Due Certificate as I had paid back all the dues pending in my Credit Card Account which is closed . The due amount was deposited at HDFC Bank, Hill Cart Road, Siliguri W.B Branch 0n 5th and 6th December 2019.
My Registered Mobile No. is :[protected]
My Email ID is : [protected]@yahoo.co.in
It would be nice if the said certificate is sent through email.

Dear sir I am karamvir S/O Shree krishan. According to tehsil nakal o[censored]chana district of jind Haryana dated on 01/06/2020, there is a loan of Rs1990000/ on my father's name Krishan S/O Shree chand from your bank with ref. of rapat no- 211 nd khevat no.- 619/708.
But, according to our best knowledge we are not having any bank account in any HDFC branch.
So, we need a written letter of No Deus certificate on demand of tehsil's letter (which is annexed with this request) on my father's name Krishan S/O Shree chand V.P.O- KARSINDHU TEH- UCHANA, DIST- JIND, HARYANA for prove to tehsil .please issue no dues certificate as soon as possible either on my email address- [protected]@gmail.com or on my home address writen above .

Dear sir I am karamvir S/O Shree krishan. According to tehsil nakal o[censored]chana district of jind Haryana dated on 01/06/2020, there is a loan of Rs1990000/ on my father's name Krishan S/O Shree chand from your bank with ref. of rapat no- 211 nd khevat no.- 619/708.
But, according to our best knowledge we are not having any bank account in any HDFC branch.
So, we need a written letter of No Deus certificate on demand of tehsil's letter (which is annexed with this request) on my father's name Krishan S/O Shree chand V.P.O- KARSINDHU TEH- UCHANA, DIST- JIND, HARYANA for prove to tehsil .please issue no dues certificate as soon as possible either on my email address- [protected]@gmail.com or on my home address writen above .

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