I was holding HDFC Silver credit card.Unfortunately credit card got misused in the month of March 2007 , I have the exact Date of Misuse at Home and I launched the complaint with the customer care after seeing misused amount around 17000 INR.The customer care blocked the credit card and issued a new card to me and assured me that they will proceed with investigation.
They kept adding the finance charges in the statement for misused amount.When I called up to ask the status post 1 mnth,they said it will take 45 days and the investigation is still in PROGRESS.When I called up post 45 days,the representative said , I have to request in writing commencing the investigation about misuse and I was never told that before.When I faxed the misused transactions.I got a reply saying they cant proceed without any kind of investigation and I am liable to pay the whole amount as they cant initiate dispute with third party bank post 45 days.
So I kept denying from paying the misused amount whenever I got calls from the collection Department.Finally they put 14000 in my debit a/c on HOLD as I had debit a/c with HDFC.and then they debited that amount as I was not ready to pay the misused amount.
SO i had to suffer for nothing.I had launched complaint with customer and nobody informed me at that time to request in writing for commencing investigation.Otherwise I would have sent the fax at the same time and I wouldnt have to pay that amount.
So because of customer cares fault, I had to lose 14000 INR.
I want my balance back.