[Resolved] HDFC Bank Bank Ltd. / Personal Loan — Rejection of pre-approved personal loan without any sound reason.

[Resolved] HDFC Bank Bank Ltd. / Personal Loan — Rejection of pre-approved personal loan without any sound reason.

A Ashu Gupta from Gurgaon, Haryana

Hi, This is to inform you that i have a salary a/c([protected]) with HDFC bank.Last week i got a call from there side that i have an offer on my a/c to get a personal loan up to Rs.1, 07, 000 though its a pre-approved loan so i dont need to submit much paper work for that with in two days funds will be transfered in your a/c.The very next there representative came to my home & took all the required paper work & three signed cheques.I got the confirmation for that through a SMS on my cell that my application for personal loan has been accepted.In that SMS there was a reference# 15031176 to confirm the status of the loan.After 4 days today when i got in touch with them i got the update that my loan application has been rejected.The reason they gave for this that i had a default in a two wheeler loan before in which few cheques got bounced.I was surprised listening this because i had never taken any kind of loan in my life so how come they rejected my loan without any sound reason.I m really upset on this.Would you kindly be helping on this matter as i have a very urgent need for this loan to have a renovation of my home.They must do a research on this as Looking for a positive feedback from your side. Ashu Gupta +91-[protected] Branch Address:-Ansals Arcade Plaza, Sec-18, Noida-201301 Was this information helpful? No (0) Yes (0)
Aug 14, 2020 Complaint marked as Resolved
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Comments

laharnath

from Pappinisseri, Kerala

In Refrence of the Loan ref no 19083569 dated 28 June and talk with the Loan agent Mr Ashoke Kumar working at SF ROAD, I would like to comment on your service that iam not a bit satisfied with your services, in actual iam totally shocked after having a feedback about the rejection of my PL application.I am a salary account holder, Credit card holder(HDFC) since 4 Yrs, Two wheeler loan(HDFC), is now completed, Hdfc ergo mediclaim is now running.
Iam told by your agent that my loan application is rejected due to the earlier loan application problem, 6 months ago, that somewhere it was rejected due to some kind of pan fraud done which also caused the termination of your staff Tapas.
The incident was happened in the month of Oct 2010, is been more than 6 months before.During that time I ‘d lost my PAN card and only thing which I had that time was Police diary of PAN CARD and Photocopy of that PAN card.During application I clearly told Tapas that I am having only photocopy and diary .I don’t know what happened that time after simply my application got rejected.I from my side clearly mentioned your staff about the whole thing during application.
Sir its very pity that the fraud had been done by your staff and client faced so big problem.
Going further I would like to intimate that iam declining my PL from my side and surely I will try not to deal anymore with your concern in near future.

Thanks