Umesh Kumar has filed a complaint against HDFC Bank for charging the full amount on his HDFC credit card instead of converting it into EMI as selected during payment. Immediate correction is requested.
Note: If this issue has been resolved, the concerned brand (HDFC Bank) or the author of this complaint (Umesh Kumar) can inform us at Support@Choice4Voice.com. Once confirmed, we will either delete this article or mark it as Resolved.
Complaint Summary : HDFC Bank EMI Complaint – Umesh Kumar Raises Issue of Full Charge on Credit Card Instead of EMI
| Complaint By | Umesh Kumar |
|---|---|
| Company Involved | HDFC Bank – Credit Card Division |
| Issue Reported | EMI selection ignored, full charge applied on card |
| Transaction Type | Rent Payment through HDFC Credit Card |
| Expected Resolution | Immediate revision of bill as per EMI plan |
| Status | Pending resolution |
| Complaint Source | LinkedIn Post by Umesh Kumar |
Detailed Complaint
Umesh Kumar, a Sr. Team Manager, has raised a serious issue against HDFC Bank Credit Card Services.
He mentioned that during a rent payment transaction, he selected the EMI option at checkout, and the rent payment platform confirmed EMI selection. However, despite this, his HDFC credit card bill reflected the full amount instead of the EMI breakup.
Even after making the payment before the statement generation, the EMI conversion reflected in the system the next day, yet his bill has not been revised to reflect the EMI plan.
According to him, this is a clear case of mismanagement and a lack of timely customer support from HDFC Bank. He has already emailed HDFC but highlighted that emails alone should not be relied upon for complaint redressal.
He has warned that if this issue is not resolved within a day, he will escalate the matter further with relevant regulatory authorities including the Reserve Bank of India (RBI).
Why This Complaint is Serious
- Financial Burden: Customers opt for EMI to reduce immediate financial strain. Charging the full amount defeats this purpose.
- System Failure: Despite EMI being confirmed, the backend processing failed to reflect it on time.
- Customer Trust: Banking institutions must ensure transparency in billing to avoid customer harassment.
- Regulatory Oversight: Misrepresentation of EMI plans can be considered a violation of RBI consumer protection guidelines.
Umesh Kumar’s Demand
- Immediate revision of the credit card bill to reflect EMI breakup.
- Written confirmation from HDFC Bank regarding correction.
- Assurance that such discrepancies will not repeat in the future.
What HDFC Bank Should Do Next
- Acknowledge the complaint immediately.
- Correct the billing cycle to reflect EMI selection.
- Provide a customer-friendly grievance redressal system with proper escalation timelines.
- Avoid such system delays that directly impact financial planning of customers.
LinkedIn Source of Complaint
Original Complaint by Umesh Kumar on LinkedIn
Frequently Asked Questions (FAQs)
Q1: Why was Umesh Kumar’s HDFC credit card charged in full despite EMI selection?
A: This appears to be a technical/system failure where the EMI request was confirmed but not updated in the billing system.
Q2: What should I do if my HDFC EMI option is not reflected in my bill?
A: Immediately contact HDFC customer care via email and escalate the issue through the grievance redressal portal.
Q3: Can EMI conversion errors affect my CIBIL score?
A: If payments are delayed due to such errors, it can impact your credit score. Hence, prompt resolution is necessary.
Q4: How long does HDFC take to reflect EMI transactions?
A: Usually, it should reflect before the billing statement is generated. Delays are uncommon and must be reported.
Q5: What regulatory authority can a customer approach in such cases?
A: Customers can approach the RBI Ombudsman for unresolved banking and credit card-related complaints.
Q6: Can I dispute incorrect billing with HDFC Bank?
A: Yes, customers have the right to raise a billing dispute by contacting the HDFC grievance redressal team.
Q7: What documents are required to escalate EMI issues?
A: Transaction receipts, screenshots of EMI confirmation, and billing statement copies.
Q8: Is it legal for banks to charge full amount after EMI selection?
A: No, it is a violation of consumer rights if EMI was confirmed at the time of payment.
Q9: How do I ensure EMI conversion works properly?
A: Always take a confirmation screenshot during checkout and verify within 24–48 hours on the HDFC app.
Q10: Can such errors happen with rent payments specifically?
A: Yes, rent payments through credit cards often face EMI conversion delays due to third-party involvement.
Q11: What is the escalation matrix in HDFC Bank?
A: First level: Customer Care → Second level: Nodal Officer → Third level: Principal Nodal Officer → RBI Ombudsman.
Q12: Does prepayment of EMI help in such cases?
A: Prepayment is possible but should only be done after confirmation that EMI has been applied correctly.
Q13: How can customers track EMI conversions on HDFC cards?
A: Through HDFC NetBanking or HDFC Mobile App under the “Cards → Transactions → EMI Details” section.
Q14: Is Umesh Kumar’s complaint unique?
A: No, several consumers have faced similar EMI mismanagement issues with banks.
Q15: How can such issues impact financial planning?
A: A full charge instead of EMI can cause unexpected cash flow problems for customers.
Q16: Can HDFC be penalized for such practices?
A: Yes, if proven to be systemic negligence, RBI may impose penalties on the bank.
Q17: Should Umesh Kumar stop payment until resolved?
A: No, he should continue minimum due payments to avoid CIBIL issues while the dispute is being resolved.
Q18: What consumer rights protect customers here?
A: The Consumer Protection Act, 2019 safeguards against unfair trade practices.
Q19: Can I file a case in consumer court for EMI issues?
A: Yes, if the bank fails to resolve after repeated complaints.
Q20: How can banks prevent such issues in future?
A: By ensuring automated real-time EMI processing and better customer support mechanisms.
