The Monopolies and Restrictive Trade Practices Commission (MRTPC) today issued a notice of inquiry to HDFC Bank for not preventing direct selling agents (DSAs) from making false promises to its credit card customers.An MRTPC bench headed by Justice O P Dwivedi directed the bank to file its reply within four weeks.The notice was issued on the basis of a preliminary report by MRTPC's investigative arm, Directorate General of Investigation and Registration (DGIR).The report alleged that customers were not told the terms and conditions when they signed the documents given by DSAs and card holders came to know about the terms only after receiving the cards.The report also said the customers are not revealed schedule of charges to be levied by the bank, the method of calculating interest rates and penal charges.Customers are not informed that DSAs are not employees of HDFC Bank, the DGIR report added.HDFC in its reply to DGIR admitted receiving a number of complaints against DSAs. The bank said it has taken action against them, but failed to produce any written record of customer grievances and remedial measures.The commission has posted the matter for the next hearing for the fourth week of January.DGIR has started similar process of preliminary investigation reports (PIR) against ICICI Bank, Citi Bank, ABN Amro, HSBC, American Express Bank.