I write to you as a very harassed and aggrieved customer.
I have an account with HDFC Bangalore, KG road branch (0091140052003). On 23rd August I deposited Rs 60,000/- into this account, as there were no funds in the account. On 29th August, I found that Rs 71,765.86/- has been debited from my account. I was not aware of the reason, as I had not given any such instructions. However, on checking with the phone banking, I was told that this was against an old HDFC credit card that I had owned till 2004. I had got this card closed in the same year, and had not received any statement for the same from 2004 -2007.
I am surprised that the bank tells me that they had not closed the card account when I had clearly directed them to do so in 2004. And now, after 3+ years, they are deducting this amount from my bank account, without any information to me on the same.
I am deliberately being kept in the dark about this transaction . The KG Road branch feigns ignorance about this transaction , whereas they are the ones who would have created the overdraft facility ( I did not have this facility till 21st August) and allowed usage of the same without my permission.
The Credit card department states that the card was not closed and surprisingly has refused to share the statement for this account.
The money had been saved by me into that account for a specific emergency in my family . Today, I not only have been deprived of the money. I am being subjected to an overdraft amount of close to Rs 13,000/- . Therefore, I deem this transaction as fraudulent. Moreover, this has been taken on an Overdraft without my permission. Now I am expected to pay interest on the OD also, again for no fault of mine.
I am extremely stressed out and depressed because of this unfair and wrong transaction, and have written this letter in extreme desperation , when I have been stone-walled by all in the bank.