On 19-Mar-2020 we booked the following products on Flipkart through HDFC Bank debit card and opted to convert the total amount into consumer durable loan/Debit Card EMI.
1) Product worth Rs. 1, 100
2) Product worth Rs. 4, 879
On 01-Apr-2020 we received an email from Flipkart saying they tried to deliver the 2nd product multiple times but were unsuccessful so they have canceled the order and they will refund the amount to the bank.
On 02-Apr-2020 we received another email from Flipkart saying they have successfully refunded Rs. 4, 879 to the bank.
HDFC Bank did not inform us anything related to this for almost 3 months until July-2020 and suddenly we started getting harassment calls from collection agents asking to clear the outstanding.
Now, my mobile statement shows that they have charged me Rs. 590 on 16-Jun-2020 against some MiRevenue Hold Through GEFU and Rs. 118.56 on 29-Jun-2020 against Autopay DC because of which my savings account is in minus for Rs. 700 now.
My Jul-2020 statement still showed Rs. 4, 879 as outstanding under EMI.
Bank did not act on the notification sent by Flipkart and now for no reason, they are penalizing me because of their fault.
On all the call center numbers they have a pre-recorded message of calling them only for reporting or blocking of cards due to COVID-19 and for any other query we have to write them emails.
On writing an email recently, they are just giving a courteous reply saying they have removed the amount of Rs. 4, 879 and remaining amount of Rs. 1, 199 is converted into EMI
My question is that why the banking system of such a well-known bank so poor that they only wake up to issues when the customer writes an email?
Why are they looting customers with penalties that customers are not liable for?
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