[Resolved]  HDFC Bank — HDFC - Show some care towards your customers

I have a home loan from HDFC for the past one year. As per my account statement issued by HDFC or available on my online account with HDFC, my re-payment track record for the home loan has been perfect for the entire tenure till date. My payment is through ECS from my salary account and get debited every month on the due date, without any issues. Today, i got my CIBIL report, and i was shocked to see that despite an impeccable payment record, HDFC has shared info with CIBIL which says that twice (Mar'13 and June'12) i have gone 30 days past due date before making my my payments. My bank statements and HDFC account statements show a complete different picture, they clearly show that all payments have happened on the due date, without fail. Now, i dont think people at HDFC understand the impact of misreporting of such facts on CIBIL scores, or for that matter, the attitude of the customer call centre rep showed that they couldnt care less. I think HDFC trains its call centre personnel to be rude and indifferent to customers!! As per the extremely rude call centre person, HDFC doesnt report anything to CIBIL, and that i should talk to CIBIL to get this resolved. When i tried explaining to her about what CIBIL does and how banks share information with CIBIL, I was given the weirdest possible logic: I was told that since my payment date is 5th of every month, i am five days late every month (HDFC expects payment by 30th every month). It didnt occur to HDFC that they are the ones who give customers options to choose payment date from 3 options (5th, 15th or 25th of every month). And so, just randomly, for 2 months (June'12 and Mar'13) they reported me to be late by over 30 days!!! There was just too much more of such crappy logic for me to take from a rude, completely ignorant and uninformed HDFC call centre rep. While i have initiated my loan transfer process to another bank, HDFC needs to correct the CIBIL reporting on my account. I will take them to media and consumer court if they dont rectify. God help people who have to interact with their call centre. What a pain!!