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HDFC CC employee cheated me...

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kingsathis

hello dimers,

urgently I need your suggestions… and help…

2 weeks before somebody call from… hdfc and offer hdfc millennia credit card with
.. 3 lakhs credit limit….I accept that and send my kyc documents…

today , I received hdfc money back card with only 50k limit….

I don’t need this card… she is cheating me… and now when I call him… she didn’t pickup my call…

how can I return this card… and how to take legal action against her… I have call record…

please give your legal suggestions

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Deal Lieutenant Deal Lieutenant
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she is cheating me… and now when I call him
22g hum dono ikathe english seekhne jayenge mujhe bhi sudharni ha

please contact hdfc branch and customer care first, they will help you.

Deal Lieutenant Deal Lieutenant
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she is cheating me
yeh line to universal truth ha.

Deal Subedar Deal Subedar
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Drop her a message that you are filing and FIR
file a police complain of cheating and submit the call recording…

she is probably just trying to complete monthly target…
As a customer we should always insist that forms are filled in front..kindly avoid giving out KYC documents just like that.
Essentially she will say that form was filled in front of customer and money back card was checked by customer himself ..ROFL

Analyst Analyst
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Do you have any existing credit cards? What are their limits? And finally how much monthly income you showed them?

Deal Cadet Deal Cadet
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Sudarshan61 wrote:

Drop her a message that you are filing and FIR
file a police complain of cheating and submit the call recording…

she is probably just trying to complete monthly target…
As a customer we should always insist that forms are filled in front..kindly avoid giving out KYC documents just like that.
Essentially she will say that form was filled in front of customer and money back card was checked by customer himself ..ROFL

overkilling.

Deal Cadet Deal Cadet
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kukdookoo wrote:

she is cheating me… and now when I call him
22g hum dono ikathe english seekhne jayenge mujhe bhi sudharni ha

please contact hdfc branch and customer care first, they will help you.

kya bhayankar komedy chal rahi hai yaha 😂

Deal Subedar Deal Subedar
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ask her to pay 2.5l every month till you get 3lack limit. what was she thinking when she was getting your hopes to roof top rolleyes

huhhh

Deal Newbie Deal Newbie
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already.. I have 4 credit cards from sbi ( 2 cards ) ,icici and kotak mahindra bank…

already.. I have 4 credit cards from sbi ( 2 cards ) ,icici and kotak mahindra bank…having overall limit of 5+ lakhs…
on card to card basis.. she suggested…

already.. I have 4 credit cards from sbi ( 2 cards ) ,icici and kotak mahindra bank…having overall limit of 5+ lakhs…
on card to card basis.. she suggested…I accept hdfc card… only because of millennia

Deal Newbie Deal Newbie
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guys, I don’t know… hindi… ( only read and write )

so, give any idea.. in English

Deal Newbie Deal Newbie
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andromeda wrote:

Do you have any existing credit cards? What are their limits? And finally how much monthly income you showed them?

4 cards having 5+ lakhs limit

Analyst Analyst
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kingsathis wrote:

4 cards having 5+ lakhs limit

I’m having hard time deciphering your earlier comments.

What is the min, and max limit among the cards you have? Do not add them up

Hunk Hunk
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kingsathis wrote:

4 cards having 5+ lakhs limit

overall or total limit is not of much concern. Just 1 card with highest limit, what is that limit?

Community Angel Community Angel
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kingsathis wrote:

guys, I don’t know… hindi… ( only read and write )

so, give any idea.. in English

is she your RM?
as u got the call recording, call up cc and explain about this properly, tell them to change the card but don’t close the card (something is better than nothing)
tag in twitter about this with proper English and they may revert you

Hunk Hunk
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There is a very high chance she said *upto 3 lakhs*, with “upto” spoken either very fast or near silently grinning
Please also check this.

Usually entry level cards like Moneyback etc would not be given with 3 lakh limits to begin with. It is possible that 3 lakh could be the max limit for this card. Maybe!

Deal Subedar Deal Subedar
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visit branch – share recording to Branch manager if they refuse escalate the case to higher authority.

Deal Lieutenant Deal Lieutenant
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there is no legality involved here. Only employee misguided you. so write to [email protected]
explaining the whole thing in simple words that Employee/RM misguided me about bank products. I didn’t get what I was offered in first place. If no satisfactory answer.
Next step will be nodal office

Mention name/mobile/landline no. from where you received call in your complaint.

Deal Newbie Deal Newbie
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atx88 wrote:

overall or total limit is not of much concern. Just 1 card with highest limit, what is that limit?

overall limit in all cards 5 lakhs…

single card 2.6 lakhs is the highest limit

Deal Newbie Deal Newbie
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atx88 wrote:

There is a very high chance she said *upto 3 lakhs*, with “upto” spoken either very fast or near silently grinning
Please also check this.

Usually entry level cards like Moneyback etc would not be given with 3 lakh limits to begin with. It is possible that 3 lakh could be the max limit for this card. Maybe!

no bro,

initially, I refused their offer…already having 4 cards…

she explain about that card… I’m also search about that card….

she speaks in local language ( Tamil) only….

I heard that audio again… she clearly named the card… and card limit… clearly misguided me…..

Deal Newbie Deal Newbie
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andromeda wrote:

I’m having hard time deciphering your earlier comments.

What is the min, and max limit among the cards you have? Do not add them up

minimum 50k
maximum 2.6lakhs

Analyst Analyst
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kingsathis wrote:

minimum 50k
maximum 2.6lakhs

They played it safe. In any case you can take up with respective person/branch/customer care as suggested above.

Deal Newbie Deal Newbie
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andromeda wrote:

They played it safe. In any case you can take up with respective person/branch/customer care as suggested above.

they are third party….. they collect all documents in WhatsApp… no contact… only for verification…. one person will came from bank side….

I send complaint about her in email…

let see what happens

Deal Newbie Deal Newbie
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andromeda wrote:

They played it safe. In any case you can take up with respective person/branch/customer care as suggested above.

okay bro 🙂👍

Hunk Hunk
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kingsathis wrote:

overall limit in all cards 5 lakhs…

single card 2.6 lakhs is the highest limit

Then it is misguiding or miscommunication.

Even in card to card basis, hdfc won’t offer 3 lac limit against 2.6 lac limit card. And I think what I thought earlier would hold that moneyback card won’t have 3 lac limit to begin with.

Maybe you can reach out to nodal officer and all that grievance mechanism, but I don’t think anything is going to change. They’ll say they’ll increase in 6 months or you’ll get option in 6 months or so or even if you threaten them to close card, it won’t affect them as they’ll put reason that customer not satisfied with limit so customer closed it.

You can threaten them with legal and all, still I think they’ll get away with it because they’ll mention some internal checks or policies to decide limit, which ofcourse is software decided based on few parameters.

I’ll say keep it now that you already have it. If there was to be any -ve impact on your cibil, that impact is already there & closing card won’t benefit you in any whatsoever way now. Use it for some offers or gv via smartbuy or just keep it.

Deal Lieutenant Deal Lieutenant
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bhai jo mil rha hai chup chap lelo chahe 50k ho ,
yha esi b janta h jinka card application hi reject ho gya

Hunk Hunk
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kingsathis wrote:

guys, I don’t know… hindi… ( only read and write )

so, give any idea.. in English

@kukdookoo लो करलो बात…

Deal Newbie Deal Newbie
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atx88 wrote:

They’ll say they’ll increase in 6 months or you’ll get option in 6 months or so or even if you threaten them to close card, it won’t affect them as they’ll put reason that customer not satisfied with limit so customer closed it.

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I’ll say keep it now that you already have it. If there was to be any -ve impact on your cibil, that impact is already there & closing card won’t benefit you in any whatsoever way now. Use it for some offers or gv via smartbuy or just keep it.

🙏 you are right..bro

Deal Lieutenant Deal Lieutenant
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….a girl with soft voice and convincing skills….a guy with lonely heart…a credit card is born….ohh no…credit limit is too low and i desired for this card and you gave me that card…

Deal Cadet Deal Cadet
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still_guessing wrote:

….a girl with soft voice and convincing skills….a guy with lonely heart…a credit card is born….ohh no…credit limit is too low and i desired for this card and you gave me that card…

dude is not sakth launda

Hunk Hunk
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TuckingFypo wrote:

dude is not sakth launda

U mean 2 say laund-आ पिघल गया T-uckingF-ypo error 🤔

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