Citibank — HDFC and CITI Bank are harassing me

pdbehera1982

from Belur, Karnataka

Address:

560024

Hi,

This complaint is to address how hdfc bank and citi bank are harassing me.

Background:
I took personal loan of rs 55000 in 2014 from hdfc bank. The hdfc loan account number is rs 27867221. As agreed the emi rs 1266 was supposed to be deducted automatically under ecs from my salaried account which is citi bank. The ecs mendate was rejected due to signature mismatch. Due to my busy schedule i could not follow up with the bank until may 2015. But in the meanwhile i paid the emi via billdesk. With great difficulty i managed sometime and on 15th may 2015, i went to citi bank and got my signature verified. Also, submitted a copy of verified signature with the hdfc bank, sahakarnagar branch. The ecs mandate was approved and the loan amount of rs 1266 towards personal loan account number : 27867221 went through successfully. However, in the month of july, i again got a message on my mobile stating that the ecs mandate has been rejected. I raised so many requests with hdfc bank and citi bank but none of the banks taking the ownership of resolving this issue.

Hdfc have told that they are not responsible as there is problem with my salaried bank which is citi bank. Citi bank have confirmed that there is something wrong with hdfc side. But both the banks agree that ecs mendate was approved in the month of may 2015 and emi of rs1266 was deducted automatically.

I have few action items for both hdfc and citi banks.

1) how many times does a customer submit ecs mendate? If the ecs was approved and emi was deducted in the month of may 2015, why are you harassing me and charging me the ecs mendate reject charges for no mistake of mine.

2) i am plannning to close this loan now, but i am not ready to pay the charges which hdfc levied for ecs rejection.

3) both hdfc and citi bank need to do an extensive investigation and come up with facts as to where the issue is.

I am sick and tired of following up with the banks. Never expected such disgusting service from banks claiming to be the best in the market. If there is any shame left, do take some ownership and try to solve the issue asap. I want both the banks to coordinate and get this sorted instead of asking me to follow up.

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Comments

pdbehera1982

from Belur, Karnataka

CITI BANK, Please see this ridiculous response from HDFC and action on it ASAP.

Dear Priyadarshan Behera,

Thank you for your patience and co-operation.

This is with reference to your e-mail regarding ECS presentation of your loan account no.27XXX221

Kindly note that the ECS mandate sent to your banker for verification was rejected and returned with reason “Signature mismatch”.Request you to arrange mail confirmation form Citi bank for ECS registration in your account for presentation of your future EMI. We have received the mail confirmation form Citi bank (email id- vinoth2.[protected]@citi.com) for your ECS rejection.

Alternatively, you can send your representative along with an authority letter, your and his/her self-attested Photo cum Signature Identity Proof at our Retail Asset Division Bangalore at any of the addresses mentioned below for submission of your Verified ECS mandate.

HDFC Bank Ltd.

Retail Loans Service Centre,

548/D, 1st Floor, Maruthi Mansion,

C. M. H. Road, Bangalore – 560038

HDFC Bank Ltd.

Retail Loans Service Centre,

1st Floor, No. 43, G Block, 60 Ft. Main Road,

Sahakar Nagar, Bangalore - 560092

You are requested to take it up with Citibank for further clarification on your ECS rejection.

For further assistance, you can contact our official Mr.Shyju P on [protected]

Assuring you our best services

In line with our focus and commitment to Customer Service, we trust the issue has been resolved to your satisfaction. If you are not satisfied with the resolution, you may write to our Grievance Redressal Officer Mr. Shrikant Shashikant Sapre at HDFC Bank Ltd., 5th Floor, Tower B, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel (West), Mumbai 400013 or E-mail at grievance.[protected]@hdfcbank.com.

Alternatively, you can call our grievance cell at Toll Free:[protected] or Tel:[protected].

Warm Regards,

Manoj Visai

Customer Service Officer

Talktous Team

HDFC Bank Ltd.

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pdbehera1982

from Belur, Karnataka

I am not sure where the problem is. In the Month of May 2015, I visited the Citi bank got my signature verified and also submitted a copy of the same with HDFC, Sahakarnagar. The signature mismatch issue was sorted long back but again HDFC is highlighting that they have received a mail confirmation from vinoth2.[protected]@citi.com that there is signature mismatch. Please look into it on priority.

Milind D. Gokhale

from Mumbai, Maharashtra