[Resolved] HDFC Bank Housing Loan — Harassment towards its Customer

nhasan51

from Kolkata, West Bengal

Address:

West Bengal

I am a Chartered Accountant by profession and a permanent resident of Kolkata. Presently servicing in a reputed Construction company in Kolkata. I have maintaining a Salary account no.[protected].with HDFC bank, UNB Branch, with “Classic Customer”Category and a personal Loan a/c no[protected].
During April,2012 I had been betrothed with your renowned Financial Institution with an urge to accomplish a housebuilding loan of Rs.2200000/- . Initially I had contacted with official of your Kolkata Branch, HDFC limited and with prompt effect an executive, DEEPAYAN BANERJEE ( HDFC Sales Ltd. 220/1 Hemanta Basu Sarani, Kolkata ) came down to my office with proposal forms and all sorts of terms & conditions in details as stated by law. As per bank requirement ,I have submitted all necessary documents and processing fees on the very next day On -20/04/2012 in the hands of your executive.
Thereafter, the next 8 days I didn't get any phone call or any information from the branch and I was inclined into complete darkness about the progress of the Loan Proposal. Also, I didn't get the Application number from your branch which is absolute necessary for further communication against my loan application. After contacted with your branch I was dazed to know that the Loan Application number has not yet generated. Next few days I have gone through a bitter experience of insouciance and tardy behavior of the Kolkata branch.
I was disheartened to acknowledge that my loan proposal has not been processed even after submission at the execution section of Kolkata Office. Also, the branch officials are unaware about the reason and unable to stated me the cause of rejection. In the meanwhile my promoter has cancelled the sale agreement due to the excessive delay caused by your branch. So, I have opted to cancel the loan application with immediate effect on 02/05/2012 request them to return back all the papers submitted to them .But, this was not enough for my frustration and agony, rather its uproar day by day because the above submitted documents, I have been unable to collect from your branch till date, due to acute slackness and sneaky attitude of your branch officials.
Regrettably, this is to inform you that though I have achieved 'SIBIL' rating no-806 with repute, I have been refused by your bank simply by their callousness and unprofessional attitude which is absolutely not expected from such a renowned financial institution. My paranoia about your company is proved very costly for my valuable time, money as well as mental impediment. Some days before I have send a complain letter to your customer care for not returning my documents, but instead of their acknowledgment of the same, they are maintaining absolute silence about my necessity.

I am writing this letter with lot of anguish and agony at the attitude of your branch showing towards its customers. I strongly urge your intervention into the matter and returned my documents at the earliest.

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Aug 13, 2020

Complaint marked as Resolved

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Comments

Somali Trivedi

from Gurgaon, Haryana

HDFC — Callous attitude, no customer service

There is lot of mismanagement at HDFC branch at Lajpat Nagar. No one addresses your issues and one is treated well for things that agents can get a commission on

I have been at receiving end many times, large value amounts take days to be credited, one has to run from pillar to post to get simple tasks done.

My husband holds a current account with branch and I am its authorized signatory Recently needed to send some money to US via wire transfer. I called HDFC for requirements stating that I am ailing with back injury and would not be able to take repeated bank trips so all that they required be told so that transaction could be done. I was told no issues I just have to fill a form and all will be done.

I travelled from Noida to Delhi and got the required form filled. Was made to fill forms in duplicate as there was no carbon available? Well lady at counter was busy on phone, after standing for 15 mts she did not hang up, had no time and when I gave her the form she nodded and I left.

Next day ( May 26 2009 I got a call from bank that this transaction cannot be done as I was just a signatory so I have to use my own account.

Did no one know the rules or they take customers for granted. Its disgusting I cannot take the exertion of going to bank, my husband needs money and they are so callous to our needs.

People should unite and get services that they deserve, these banks earn from customers and treat them as trash, DISGUSTING

Biju Thomas

from Pune, Maharashtra

HDFC is the most unethical bank in India.
Their total finance/late charges on a card with limit of INR 20K has been about 10K in the span of just 5 months. the only month in which a payment was not made was in Apr'09. Hwoever, they put a hold on my salary account.They make money by unfair means. Customer care is just a formality. You will doubt whether machines are replying if you see the response from their grievance reddressal cell. They encourage vocally to go to RBI...They are not afraid; because they have clearly known the limitations of Indian customer over the years.

After many communications, I finally decided to pay whatever they asked including interest, late fees/late fees on late fees and membership fees(on a free card) because I never wanted to be labelled as a defaulter. I don't know whether the bank will show that mercy atleast. Moreover, the cost of the time and head ache I had undergone was too far compared to the 10K they begged and ate.