My credit card that was valid till 2014 has been cancelled without intimation. I have been using the card as usual and paying the dues through auto-debit. This week my card was getting declined at retail shops. On calling customer care I was told that the card has been cancelled as my card has been upgraded. However I have never used the new card that was sent to me. Also it has never been mentioned that the old card will be automatically cancelled. This is a breach of service contract. Typically an old card is supposed to remain active and is not supposed to get cancelled automatically when it is in its validity period. There has been no communication that it will be cancelled but the customer service representatives lied to me that the letter accompanying the new card mentioned that the old card will be de-activated and that I was also sent an email on 13th May about this but both of these is false. There has been no email sent mentioning that the old card will be de-activated nor does the letter with the new card mention about this. If HDFC Bank would be deactivating my perfectly valid old card before the expiry of the card then they should have intimated me which they did not. The customer service representative (Ganesh) on the phone laughed at me, kept me on hold for extended period of time and had not even logged the details of the call in the CRM system as he asked me to repeat the card number and other details after more than 30 minutes on call, most of which I was kept on hold. His manager Prahalad lied to me that the letter from the bank with the new card mentioned that the old card will be cancelled and mocked at me for not reading the letter and told me that I cannot expect him to open my mail and read it out for me. All this kind of mocking, ridiculing and humiliation was done despite the Bank being on the wrong side by not even informing about the cancellation and claiming that they have clearly mentioned it in the letter when it is not.

I would like an apology from the management of HDFC BANK for the inconvenience caused, wrongfully cancelling my card and for the deficient and pathetic customer service and also for the kind of mockery done by their customer service department. I would like to be compensated for the embarrassment that I had to undergo at the shops where my card was declined and also for the humiliation done by the customer service representatives. I should also be compensated for my wasted time.

Complainant Information
name- Jayanand