[Resolved] HDFC Bank Bank Ltd — Absence of agents from their desks and server issues during working hours completely unacceptable | |||
I have lost considerable time and money because of server issues at the service centre in Pahar Ganj, New Delhi. After my car was stolen, I paid several visits to the HDFC Bank's Pahar Ganj service centre and twice it happened that the server was not working. After waiting for several hours at the centre, I was told to come back another day. I have signatures of several other customers who witnessed the same issue on 28/01/2014. No service agent was present at the counters during the working hours and the security guard was turning the customers away. I was also able to take pictures of the centre where absence of service agents is evident. No agent was present at the counter while the customers waited in the waiting areas. Upon complaining to the Manager, he was able to process my request for foreclosure of my auto loan account. I had to pay a prepayment charge of 3 % on outstanding principal. However the service agents had failed to inform me that there is a rebate of 1% if an FIR is submitted. Although I had duly requested the agents for a list of documents required, I was not given the complete information. After complaining to HDFC Bank Ltd in Feb 2014, the bank apologized for the issues, acknowledged that server was not working during my visit but refused to compensate for my loss. The bank also tried to play down the issue as a one off instant instead of taking it seriously. I am a preferred account holder with HDFC Bank Ltd but I am considering breaking all ties with the bank and taking legal action unless the bank compensates my losses. K Lal Was this information helpful? | |||
Complaint marked as Resolved
Greetings!
After reported the matter to [email protected], I received the following response from [email protected] :
"We affirm that at HDFC Bank Ltd., we endeavour continuously to provide seamless service to our customers. It is most unfortunate that, despite our good intentions and efforts, you had to undergo some discomfort.
We confirm that you visited at our branch on 28th January 2014 and that time system was not working. We have foreclosed the loan basis the help from other branch.
As per the process of closure of theft vehicle, the client’s needs to be submit the FIR copy of waiver 1% foreclosure charges. In your case, you have unable to provide the FIR copy for waiver. As a result, we have proceed for closure and loan stand closed on 1st February 2014 with foreclosure charges.
We confirm that Mr. Prem has collected the No Objection Certificate/form-35 on on 04 February 2014.
The matter has been viewed very seriously and has been taken up for appropriate action by us so that our esteemed customers are not put to similar inconveniences again. We are grateful for your detailed feedback which will be of immense help in better understanding of the expectations of our valued Customers."
After a few more emails, the 1% foreclosure charges were waived off and refunded to me. Although the complaint was not filed for the money, the matter was reported in order to bring to HDFC Bank's notice the issues that customers face at the branches. I sincerely hope no one else has to face the same inconvenience as we did.
Regards
Prem | |||
 6 Comments | |||
Comments
HDFC Bank ltd — ABUSIVE WORDS SPOKEN BY HDFC CREDIT CARDS COLLECTION DEPARTMENT
I AM GAUTAM KUMAR , I HAVE BEEN ISSUED A HDFC BANK CREDIT CARD FOR MY CONVENIENCE. I WAS NOT RECIEVING THE STATEMENTS AT MY RESIDENSE ADDRESS AND DUE TO THAT BILL WAS PAID LATE OE ON LAST DATE WHEN I RECIEVED A CALL FROM CUSTOMER CARE EXECUTIVE TO PAY AND IN NEXT TWO MONTHS WHEN I NOT RECIEVED A BILL FROM BANK ,THEY CHARGED ME SO MANY FINE CHARGES ,FINANCE CHARGED AND SO MANY ELSE UNNECESSARY AND I REQUESTED THEM TO WAVE OF THE FINE CHARGES AND BEING A GOOD CITIZEN I WILL PAY EACH AND EVERY SINGLE RUPEE USED FROM THE CARD IN PURCHASE BY ME,BUT THERE WAS NO REPLY AND AGAIN THEY DID THE SAME THING IN NEXT TWO MONTHS AND THEN ALSO MY WORDS WERE SAME THAT THE BANK HAVE TO SEND ME THE DETAILS OF THE BILL AMOUNT AND ONLY THEN I WILL COME TO KNOW THAT YES THIS AMOUNT I HAVE USED AND THIS AMONUT I HAVE TO PAY BACK TO THE BANK BEFORE THE LAST DATE OF SUBMITTING THE BILSS ,,,BUT IF I AM NOT AWARE OF THE AMOUNT AND THE LAST DUE DATE,,,TELL ME HOW I CAN PAY WITHOUT ANY INFORMATION TO PAY THE REQUIRED DUES ,,,,,BUT SAME THIME IF YOU WILL START CALLING FROM YOUR COLLECTION DEPARTMENT TO PAY ON THE SPOT WHICH I S DOUDLED THE AMOUNT USED MEANS IF I USED 3500 FROM CARD AND WITH LATE FEE CHARGES YOU WILL SAY ME TO PAY 7200 RS INCLUDING EXCESS AMOUNT OF LATE FEES AND FINANCE CHARGES,SO BEING A MISTAKE FROM YOUR END AND I WILL NEVER PAY ANY FINE OR LATE FEE CHARGES BEC ITS NOT MY FAULT, AND THENSTART CALLING ON MY MOBILE FROM YOUR COLLECTION DEPPTMENT TO PAY THE DUES IMMIDAIETLY AND THE LANGUAGE THEY USE IS REALLY HORRIBLE AND THAT LANGUAGE SHOWS THE CHARACTER OF THE BANK CREDIT CARD SERVICES AND THIS SHOWS THE REPUTATION OF THE BANK AND IT IS UNDERSTOOD THAT THIS IS THE PROCESS HOW THEY HARRASHMENT GIVE TO THE PERSON AND THE PERSON WHO IS WEAK WILL BE FEARED BY YOUR COLLECTION DEPARTMENT ACTIONS AND THE PERSON TO SAVE HIMSELF FROM YOUR BANK COLLECTION HARRASHMENT ,PAYS THE BILL AND YOU ENJOY THE FUN AND GET THE DOUBLE AND TRIPPLE AMONT OF MONEY AGAINST THE ACTUAL AMOUNT USED BY THAT FEARED AND HARASHED PERSON,,,,,SAME IS BEING DONE WITH ME BUT I AM NOT WEAK BEC I HAVE THE RIGHT TO CHALLANGE THIS CRIME APPLYING ON CARD HOLDERS
AND I RECIEVED A CALL FROM YOUR COLLECTION DEPARTMENT FOR PAYING THE OUTSTANDING AMOUNT OF MY CARD AND THAT GIRL FRO BANK USED SUCH A RUBBISH LANGUAGE AND SHE KEPT ON INSULTING ME AND AGAIN AND AGAIN THAT I HAVE TAKEN MONEY FROM HER NOT FROM BANK AND HER CALL MUST BE RECODED ON THE TELEPHONE FROM WHERE THEY CALL FROM THE COLLECTION DEPPT AND THIS INSULT AND HARRASHMENT FROM YOUR BANK IS NOT TOLERABLE AND TOTALLY NOT ACCEPTALBE AND I WILL NOT LEAVE THIS MATTER TIILL THAT GIRL RELATED ISSUE IS NOT BEING APPOLOGISED FROM HER BEC OF INSULT SHE DID TO ME ...I WILL PAY THE ALL DUES PENDING BUT I WILL PAY ONLY THE ACTUAL AMOUNT I HAD USED FROM THEE BANK AND BANK WILL HAVE TO REVERSE ALL THE FINE AND INTRESRT AND LATE FEE CHARGES CHARGED TO ME AND THEY WILL SEND ME THE EXACT STATEMENT OF MY CARD
BEIING A CITIZEN OF INDIA I HAVE ALL THE RIGHTS TO PROTEST EACH AND EVERY HARRASHMENT GIVEN TO MEBECAUSE BANK IS NOT BIGGER THAN OUR LAW AND GOVT SERVICED PROVIDED TO EACH AND EVARY CITIZEN OF INDIA AND I CAN CAN LOUDLY
AND PROUDLY THAT I AM A CITIZEN OF MY INDIA
MY HDFC CREDIT CARD NUMBER IS [protected]
NAME IS GAUTAM KUMAR
HDFC BANK AMRITSAR
MY CELL NUM IS [protected]
WAITNG FOR YOUR REPLY
REGARDS,
GAUTAM KUMAR
we respect our law & order in INDIA against these type of private hdfc banks etc, , , , , , , , , our hope and law order is our power to protest and get justice from our legal sytem against all these typs of culprates
I have submitted a copy of the FIR to the same branch yesterday for the refund of excess amount. I keep getting calls from HDFC marketing teams that an HDFC Car loan o[censored]p to Rs 15 Lac is pre-approved in my name. If the processing amount is waived off and a better interest rate is offered to me, only then I will b considering HDFC Bank again. And I expect to receive better service this time.
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Credit Card — use abusing words
dear sir,maine aapke bank se credit card ke behalf pe loan liya tha. mera loan acc no. hai=[protected]. maine kayi bar complaint ki hai mere paas statement time pe na aane ke karan mujhe late fees deni parti hai. aur kal 3.50pm time pe aapke bank se phone aaya aur behad battamijji se bola gaya. apke executive ka naam hai sanjay ansari/ pankaj. mujhe ye hi dono naam bataye gaye the aur jis no. de ph aya tha wo hai[protected]. agar aapne is baare mein koi karvahi nahin ki to iam going to cosumer court.