[Resolved]  HDFC Bank — regarding credit card annual fees cheated by sales and poor customer care

Address: 560043

Website: www.hdfcbank.com

From: avinash mondal
Sent: saturday, july 22, 2017 2:47 am
To: customerservices. [protected]@hdfcbank.com
Subject: re: re:'hbl=[protected]' regarding hdfc regalia cc ending with 1412 and 4114

Dear sir/madam,
Your sales representative has contacted me in month of feb 2017. I have given my documents to him on 14th feb. I have received my card in month of mar2017. Sales representative name was ganesh (Contact no : [protected]). I have finished 4 transactions with credit card issued before 30mar2017. I too have wats app conversation as proof of communication with sales guy ([protected]) till 24 apr2017.

I would like to inform that sales person has clearly told that credit card (Regalia) is completely free card. He clearly said that there wont be any annual fees or charges on card and considering the card as free, i have agreed for issuance.

Now it will be injustice if i had to pay annual fees which i was not communicated before taking card.

I have 3 different credit cards from other banks which does not have any annual fees and also dont encourage myself to take card with annual fees or any other charges irrespective of multiple benefits available. I have never been defaulted by any bank for delay payment or charges.

Its really very painful to spend time on this issue. I have already hotlisted regalia credit card before 2 months due unsolicited call from number ([protected]) and planning to cancel. I do not find hdfc bank safe for credit card as my card details are compromised and getting calls from individuals calling herself as hdfc employee.

Please take your time to investigate the matter and i can provide all details which you need but kindly reverse annual fees at earliest on my card so that i can initiate process to cancel the card.

Regards,
Avinash
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From: hdfc bank credit cards support
Sent: friday, july 21, 2017 4:35 pm
To: avinash mondal
Subject: re:'hbl=[protected]' regarding hdfc regalia cc ending with 1412 and 4114

Dear mr. Mondal,

Thank you for writing to us.

This is with reference to your e-mail regarding your hdfc bank international credit card account.

We understand your query pertaining to membership fee in your card, we observe from our records that you are holding regalia credit card and same can be provided as a first year free card by opting any of the below given options and from second year onwards spend threshold condition will be applicable.
Option 1 : 3 retail transaction in 90 days from the card setup date.

Option 2 : register your credit card for any one of the below products within 90 days from the card set up date.

Smartpay one bill registration (Or)
One assist (Or)
Add-on card (Or)
Credit shield / card sure (Or)
Payzapp activation with one transaction (Or)
General insurance

Further we also understand that you are in receipt of the call, we would request you to please provide the date and time for us to investigate and assist you,

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

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.

From: avinash mondal
Sent: wednesday, july 19, 2017 4:06 pm
To: customerservices. [protected]@hdfcbank.com
Subject: regarding hdfc regalia cc ending with 1412 and 4114

Dear sir/madam,
I am salary account holder of hdfc bank and an employee of itc infotech ltd, bangalore. I have received a call from your sales representative ganesh (No: [protected]/[protected]) 3-4 months before. Sales representative clearly said that hdfc regalia card has no membership fees and annual charges, based on which i agreed to take card from hdfc bank. He also asked me to do 3 translations to make the card active so i did 3 transations. But later i got call from lady with a mobile number ([protected]) who was saying herself as customer care executive from hdfc bank and taking confirmation whether i finished 3 transactions. She also said that she will be crediting reward points in my cc account. I found this call as suspicious because bank representative never calls from mobile number. Hence i called customer care and asked them to hotlist my card (552260xxxxxx1412). It was hotlisted by hdfc cc.

But yesterday i received cc statement inr 2875 against card number (55xxxxxxxxx4114) which shows active in my a/c. I am not sure if new cc is issued against my a/c because i have not received new card also not requested for it calling customer care or through email. I have only requested priority lounge card few days before hotlisting my ragalia cc (Ending with 1412).

As explained by sales representative, i have agreed to take card considering it free (Joining + membership) and also requested priority launge card. But now when i called customer care, she said that the card has annual fees. I consider myself as cheated and disappointed by employees of hdfc bank.

I have decided to cancel my credit card and priority launge pass and will send letter by post as suggested by your customer care executive. As card issuance is done based on false information about the annual fees free, please consider my request to reverse annual fees on my card. I will send a letter to chennai head office within a week.

Regards,
Avinash