Customer experience from HDFC fast tag

To give brief history of my experience :

1. In Nov. 2019, as a special gesture to all residents, HDFC arranged a camp in our building to issue fast tags. I gave required information including mail id and paid Rs. 500/- in cash, as was asked.

2. I was told that the tag will be valid for 5 years and out of Rs. 500 that have been paid?Rs. 350/- will be available as credit for payment of toll.

3. Soon after I received message on my registered mobile. The message confirmed that fast tag has been issued to me with details of customer ID /Tag number

4. Since fast tag was not used at Dahisar toll Naka (0ne of the entry points for Mumbai) for long time after this, tag remained unused.

5. Recently, when I tried to use it I saw a message there saying it is blacklisted.

My observations and nightmare after that is given below:

1. I found no record in HDFC for my payment. Is this a fraud? Is my money taken by the "persons" who came to our building?

2. My mail id is not registered. No idea why.?When I called bank, I was told that this service is outsourced. When I called the given number, they have no idea about anything. They just took my mail ID and said in next 48 hours you will get a call for confirmation of mail ID and then I can send a mail to check where is my money gone....

3. It is amazing that HDFC expects me to keep on taking all unwanted marketing calls, be very alert not to miss any of them since I do not know when that all important call from some unknown number will come.

4. I have always seen mail is confirmed on mail by all and the idea to confirm mail ID from unknown number on phone is uniquely stupid.

5. How am I expected to trust an unknown number and give my mail id and hope that it was from HDFC?

6. Apparently, I missed the call (as per their records). When I called again, cycle of fresh request and wait for call has started.

Summary :

HDFC seems to communicate with customers only when it wants to sell something

Once customer is in, all is left call centers and hope things work.

Agents working on their behalf have no accountability

Customers can be harassed and made to wait, pay for sins they never committed.

Customers can be treated like dirt and all their conveniences and simple processes can be ignored

My experience with other HDFC schemes is not very different and summary applies to them as well. And as the picture indicates communication is always one way...I have learnt my lesson...Thought of sharing my experience so that others can be wiser.