[Resolved]  HDFC Bank — overcharged emi through hdfc bank on no cost emi purchase through amazon

Address: Kolkata, West Bengal, 700017

Website: HDFC Credit Card

[resolved] akosha.com — no cost emi - purchase one plus 5 via amazon

1 review
Pr priancagupta on nov 6, 2017

This is wrt my purchase through amazon via hdfc credit card with no cost emi option.
Amazon.in order #[protected]

I have already discuss with amazon and hdfc customer executive regarding the below mentioned issue.

I purchased one plus 5 @ rs. 32, 999 and paid rs. 100 more for delivery charges for 12 months installment.

I am being overcharged and the breakups are given below:
1st installment = rs.2399.86 x 12 =
Rs. 28798.32
Interest = rs. 358.39 x 12 = rs. 4300.68
Igst =rs. 64.51 x 12 = rs. 774.12
Total = rs. 33873.12

Difference = rs. 33873.12 - rs. 33099
= rs. 774.12

I have been overcharged by rs. 774.12

Hdfc customer executive asked me to get the mail from amazon regarding the payment of rs. 33099 and the mail for the same is being attached in the trailing mail fyip.

Mailfrom hdfc:
— forwarded message —
From: hdfc bank credit cards support
Date: fri, nov 3, 2017 at 3:02 pm
Subject: re:'hbl=[protected]' payment issue against card no. Xxx
To: priyanka gupta

Dear mr. Gupta,

Thank you for writing to us.

This refers to the merchant emi availed for your purchase through amazon.
We wish to clarify that the total interest amount billed towards the loan account will be offered as an upfront discount at the time of effecting payment towards your purchase, thereby enjoying the benefit of "no cost emi".

Therefore, your monthly statement although contains the principle loan amount plus the associated interest, the total associated interest for the full tenure has already been given as a discount at the time of your purchase.

In view of the above, kindly pay the equated monthly installments as featured in your statements, before the due date to avoid any future associated charges.

All the details are displayed at the time of transaction. We request you to check with merchant for further details.

Kindly note the query reference number for this e-mail: [protected]

In line with our focus and commitment to customer service, we trust the issue has been resolved to your satisfaction. If you are not satisfied with the resolution, you may write to us through our website - www.hdfcbank.com/escalation

We are committed to continuously enhance our customer experience by providing more value for our products and services. Towards enriching our customer experience, we provide best in class digital solutions through netbanking / mobile banking and payzapp.

Payzapp puts the power of banking directly in your hands. Shop online, experience hdfc bank smartbuy, send money to any one in your phone book, bill payments, mobile / dth and data card recharge in just one click. Hdfc bank payzapp is currently available for download from google play store, only for hdfc bank customer.

Netbanking / mobile banking offers varied services round - the - clock, just a touch away. You can access the following link http://www.hdfcbank.com/personal/ways-to-bank/bank-online/credit-cards-netbankin...⇄ to know what are the facilities/information is available through netbanking.
Also, give a missed call from your registered mobile number to[protected] and get your credit cards total outstanding amount, available balance and reward point balance."

For any other credit card query/clarification, do visit our hdfc bank webpage at the link www.hdfcbank.com/query for online assistance. We assure you of our best service at all times.

Assuring you of our best service at all times.

Regards,

Narayanan. S
Customer service officer
Hdfc bank ltd.

After sending the mail from amazon, pls see hdfc's reply:
Dear mr. Gupta,

Thank you for writing to us.

This refers to the merchant emi availed for your purchase through amazon.
We wish to clarify that the total interest amount billed towards the loan account will be offered as an upfront discount at the time of effecting payment towards your purchase, thereby enjoying the benefit of"no cost emi".

Therefore, your monthly statement although contains the principle loan amount plus the associated interest, the total associated interest for the full tenure has already been given as a discount at the time of your purchase.

In view of the above, kindly pay the equated monthly installments as featured in your statements, before the due date to avoid any future associated charges.

All the details are displayed at the time of transaction. We request you to check with merchant for further details.

Kindly note the query reference number for this e-mail: [protected]

Pls help why should i pay extra rs.774/- on no cost emi part, hdfc is not looking after the matter.

Again the statement has come and problem is not being solved.

Pls help!

Thanks
Priyanka