Credit card# : 4617 8720 0126 4901
Alternate Account# : 0001012780001500702
With respect to above subject, on 9-Jun-16, three Employees from HDFC Bank, Begumpet, Hyderabad, Branch, lead by Mr Rijesh K Joseph, Manager “Retail Portfolio Mgmt – Cards” came to my residence (House# 28, Praneeth Homes, Mallampet, Bachupally, Hyderabad, 500090) stating that I have credit card outstanding amount of Rs. 2,45,663 against the above HDFC credit card which is supposedly in my name.
It came to me as a surprise, as I did not have any credit card with HDFC bank nor I had applied for any credit card from HDFC bank ever.
They informed me that the above credit card# was issued in April-2012 in the name of Shyam Sunder Bhagat which is my name. On further discussion, it was revealed that the credit card was issued against PAN# AFSPB1238G which unfortunately matches with my PAN# also.
It was also discovered during our discussion at HDFC bank at Begumpet that the below information used in obtaining the credit card doesn’t match with my details
• Home address: Address used on the credit card is H No. 12-5-187, Flat# – S2, 2nd Floor, Gaddam Residency, Taranaka, Hyderabad, AP, 500017 where as my address is House# 28, Praneeth Homes, Mallampet, Bachupally, Hyderabad, 500090 and I have been staying here since July-2011
• Company email id: Used on the credit card is [email protected] which is a fake email id
• Personal email id: Used on the credit card is [email protected] which is also not my email id and is probably fake
• Permanent Address: Used on the credit card is Kolkata address which is also fake address.
• Receiving of the Physical credit card: The card was received by a person named Prasanthi at that Taranaka address. The person claimed to be the sister of the person who applied for the credit card. Neither I have a sister named Prasanthi nor I lived in Taranaka ever.
• Credit Card Spending: Spending was done on the credit card from Apr-2012 till Oct-2012. None of the spending was done by me
• Credit Card Collection: The person has been paying some amounts against the credit cards in cash from somewhere in East Godavari. None of the payments were made by me
The above credit card doesn’t belong to me, I have never applied for any such credit card and not used the credit card as well.
I had requested HDFC bank to investigate the above matter and figure out the real culprit and give me in writing that I am in no-way responsible for any of the liabilities or damages arising against the above fraudulent credit card issued by HDFC. For sure there are lapses on the side of HDFC bank is issuing the credit card without proper KYC verification. Also, I had requested the bank to verify the below:
1. Credit card application form to check whose passport photo and signature was used
2. What photo id verification was done by Bank while issuing the credit card
3. What photo id proof was obtained by the courier company while handing over the physical credit card to the unidentified person
4. What address verification was done by the Bank?
5. Why there is no email confirmation verification was done from the credit card requestor’s company email id?
6. What verification bank did to make sure the email ids and phone numbers provided were correct?
7. The last collection on the credit card was done in Oct-12 by the unidentified person, why bank has not been chasing the person since then, why suddenly bank is approaching me now in Jun-2016?
I had to visit the HDFC Begumpet Brach on 9-Jun-16 to get all the details and unnecessarily spend the whole day. This has caused me mental agony and harassment.
I want to lodge a FIR against HDFC bank, Begumpet for issuing a credit card in my name to some fraud without due diligence, hence becoming party to the fraud. I work for Oracle in Hitech city, hence requesting ypur to kindly log a FIR against HDFC bank in getting me the below:
1) A written note from HDFC bank that I have no liability with respect to this credit card as I have nothing to do with this credit card
2) Remove this fraudulent credit card non-payment details from my CIBIL record
Leave a Reply