Dear Team,

I, Kalyan Majumder, having a credit card (#4854 9919 0148 3809) in your (HDFC) bank and I
paid my dues time to time to HDFC Bank but one month before I noticed that the dues I paid in
time but unfortunately the dues amount is not reduces and also I noticed that there is an another
amount is debited from my credit card every month, my account is linked with my savings
account (#03521070006494) which is in HDFC Bank Barasat branch in the particular savings
account my two personal lone and my four wheeler loan ECS is linked and also my rent for the
mobile tower is credited.

Last month when the minimum due I noticed I called your executive that I will meet your
concerned authority to discuss regarding the due amount and the ecs debited from my credit card.

In the mean time demonetization of currency happened and I was sick too. The said points I had
clarified to your representatives that why I was not able to come to your office.

On 15th Dec, 2016 my all ecs got bounced and I rushed to the Branch Manager Barasat HDFC
Bank. He replied that my savings (#03521070006494) account is blocked and on 16th Dec, 2016
my all amount is debited from my savings account.

On 17th Dec, 2016 I received a letter which is manipulated. The date of the Notice received from
HDFC Bank credit card department that they have intimated me regarding the savings account
blocking and they mentioned that they also intimated me regarding this matter through several
letters phone also. The letter which I received by registered post on 17 th Dec, 2016 is dated 01st
Dec, 2016 which is manipulated. Because delivery of the letter took 17 days from Kolkata to
North 24 Pgs through registered post. If it is true I want the proof that they posted on 01 st Dec,
2016

The thing that Bank done illegally that Bank blocked my savings (#03521070006494) account
without intimating me and also debited (94,289.90/-) the whole amount and to justify that they
send me a back dated letter. In letter CC dept. mentioned that they intimated me through letters, I
want to see the acknowledgement of the letters. In the current market situation without
intimating personal savings account blocking is not ethical, the ecs which is bounced for the
reason who will be liable for that, who will bear the ecs bouncing charge ?

I have no intension for not to clear my dues, if I have intension I can change all the ecs to other
bank account and also I cleared my fund from the account.

Is there any rule that the cc dept. of HDFC debited the whole amount (94,289.90/-) to clear the
total dues instead of minimum dues.

I am requesting you to refund my amount (94,289.90/-) to my savings (#03521070006494)

account urgently and give me a particular time to meet with your cc dept. official to discuss the
dues and waived my ecs bouncing charge.
Thanks and Regards

Kalyan Majumder.