[Resolved]  HDFC Bank Credila — Bad treatment by executives

Address:

Mumbai City, Maharashtra

Dear Ripal Kumar Seth, Trust you are doing good and this mail reaches you in good health & spirits !!! This mail is pertaining to bring to your notice on my bad experience with HDFC credila department. Considering the good experience and service of HDFC banking department I was very much eager and sure regarding the credila services too. Thanks to few executives who proved me wrong. I had approached your representatives of Andheri branch Mr. Amar, who showed me a rosy picture of many possibilities with an assurance on the sanction of my loan. However, once submission of documents nobody followed up with me. After waiting for a week, I called up myself to understand what is the status of my loan application, I was said that my application got rejected and no reason was given to me. My question to the department is do you want the customers to call and ask about the status? Cant your department give a ring to me saying that it can't be processed due to x.y.z reason? As no reason was given to me on constantly asking... I requested them to reconsider my application. To this I was treated like a hot prospect again assuring me that they will call me by next following Monday at 11am. Let me inform you nobody called me again till the end of next week. Again I had to follow up and on doing so your representative i.e. Mr. Amar doesn't reply me well and speaks as if m begging them for loans. He forwards my call to Mr. Sawant who was said to be his Senior who replies me very rudely that the person who cross verifies the application is not on the desk and it will take more a week or two for them to get back. Of course my understanding of any such responsibility services says that such institutions have more than one person who can cross verify on somebody's absence. On questioning that Mr. Sawant replies me that this is how we work, if you want the loan you have to wait otherwise take your documents back on writing a mail to him. Today Amar calls me up to ask in his attitude tone "Sir we havent received your mail to return your documents. .. when are you dropping us a mail to give you the documents back". He called me once again today itself to remind me that I havent mailed him & he is constantly checking his mail ". Is this the way you guys behave with your customers?? Your Grievance Redressal Mechanism says that customer should be responded & through guided through the complaint procedure. is anybody even keeping a track what on this ??? I had to mail you this scenario in response to the way credila has treated me as a customer. Does anybody listen to the call recordings on what your lower level executives speak with your potential clients? Is there a quality check on these people? I would have gracefully accepted that there must be some requirement lacking at my end thereby my application got rejected/not processed (today I doubt whether did they ever consider it or not ). Is it the way way you train your executives? Or probably my loan amount was less that was needed to treat me better? It's a complete hogwash system of this department wherein the customers are treated as beggars who are begging to get loan. Am dejected with your treatment, and will not probe me any more to ever use your services in future. I know losing one customer will be like a pie in sky which wont affect your banking services. But I shall make sure whenever anybody asks me regarding your services I will be forced to not recommended this services to my near and dear ones as I don't want them to go through the bad treatment that I went through. With the end of this mail I want my documents to be returned as am I have lost my trust in your system and afraid that my documents will be misused.As you representatives come with lucrative offers to collect the document at the customers place similarly I want my documents sent to my address. I know sales people take the documents to show their Seniors that they have a lead which they are following up irrespective of the fact on how they are being reverted. I hope my efforts on bringing this to your notice doesn't go in vain and reached the somebody who is still high on their moral values. Regards, ... With Best Regards Rajnish Shetty Crime Specialist, +91 - [protected] / [protected]