[Resolved] HDFC Bank — ECS returned even though the balance was there | |||
Dear Sir/ Madam I, Jaya Grover (previously known as Jaya Khushboo before Marriage) have been thinking to complain about HDFC Bank for a long time but was waiting for a satisfactory resolution from them but I have not been given any importance or value for my complaint so now I am knocking your door for the justice. Let me explain what happened - I have a saving account with HDFC Bank as Jaya khushboo (previous name) which I am paying my car and personal loan through. Car loan Rs. 5720 EMI from HDFC Bank and personal loan Rs. 7051 EMI from ICICI Bank which were being paid very nicely and smoothly. I don't live in India any more as I study in England but I am sending money to my brother who lives in India and he is depositing the enough money in my bank account every month before the EMI date for both the loans. My car loan installments are not going through, despite the fact that I have sufficient money in my bank account. I was not aware of this until my relatives and colleagues of previous profession phoned and told me that they have been getting phone calls from HDFC Bank for me asking my contact details and telling them that they are trying to trace me as I am not paying back my bank loans. I hope you can understand how embarrassing it would be for some one like me who is paying all the debts honestly. to confirm that the money is being deposited into the right account or not my father went to the bank branch with all the deposit receipt and found nothing wrong in the account number and then I phoned up for 3 - 4 times to HDFC Bank customer service to find out what's wrong but unfortunately I did not get any resolution. I spoke to 2 - 3 different people, they all said the same thing that they can see the sufficient funds were there in the account but car loan EMI did not go through and was bounced back twice in a month and that happened for 2 consecutive months October 2010 and November 2010. it has cost me the penalty on the account and ruined my record. First I spoke to Raju on[protected] at 4:30pm IST, he asked me to speak to the car loan department to clarify this as he couldn't find the reason that why it got bounced then I phoned the HDFC car loan department and was told that because of insufficient balance, the payment couldn't go through when I told her that the balance was there for this payment, she asked me to speak to the bank as the payment was rejected for the non-sufficient funds (which is not possible) I again phoned HDFC Bank and spoke to Gurdeep, asked her the same. When she didn't find any satisfactory answer, I requested for a manager/supervisor to speak to me she asked me to be on hold, after a long wait on hold, she disconnected. I again phoned up as I was very frustrated and curious to find out the reason, spoke to Shivani and asked for the supervisor, I got a supervisor on the call named Vijay, explained him everything even he could not find any satisfactory answer to give me.Yo can not expect a bank like HDFC to do such things and have no answer to give to the customers. As I have been paying towards my debts and still being penalized, embarrassed and harassed with annoying phone calls to my relatives and friends also messages on my Facebook profile which they don't have any rights to contact me on. I request you to look into the matter and ask them to resolve this ASAP, also reimburse all the penalty and charges occurred on this particular issue.... My details are:- Name: Jaya Khushboo Bank account number: [protected] Car loan account number: 13947132 car loan emi: Rs. 5720 My email: [protected]@yahoo.com My telephone Number: 0044 [protected] Regards Jaya Grover Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 3 Comments | |||
Comments
I have been replying you but not getting any resolution. I got a reply on 15/12/10 on my e-mail but did not get the satisfactory resolution. Though I have replied on the same day and got the response that you will e-mail me the resolution within 3 working days. Its been 1 month now but still waiting for the satisfactory resolution. I have e-mailed yesterday for the clarification and got the response from Mr. Vesai that you have already responded me on 15/12/10 with the same clarification that you sent me on 15/12/10.
I already know that but what about the clarification which I am looking for? Following is the copy of the e-mail which I again sent today and on 15/12/10:
I hope this time I will get full and proper clarification on this matter with my Bank Statement since October on my e-mail ID.
[protected][protected][protected][protected][protected][protected][protected][pr...⇄
--- On Tue, 1/11/11, sinha jaya <[protected]@yahoo.com> wrote:
From: sinha jaya <[protected]@yahoo.com>
Subject: RE:'HBL=[protected]' Fw: Reference ID: TTU[protected]
To: "Talktous" <[protected]@hdfcbank.com>
Date: Tuesday, January 11, 2011, 5:43 PM
Dear Mr. Vesai,
I knew that you replied me on 15/12/10 but I have already reverted you with my problem on
the same day to you and to the e-mail ID "customerservices.[protected]@hdfcbank.com". But did not get any reply. I have also requested for my bank statement on my e-mail several times. Following is the copy of that mail:
__________________________________________________________________
--- On Wed, 12/15/10, sinha jaya <[protected]@yahoo.com> wrote:
From: sinha jaya <[protected]@yahoo.com>
Subject: RE:'HBL=[protected]' Fw: Reference ID: TTU[protected]
To: "Talktous" <[protected]@hdfcbank.com>
Date: Wednesday, December 15, 2010, 5:12 AM
Dear HDFC Bank,
I understand that HDFC Credit card payment is due but this is very unfortunate to know that without my knowledge you have taken the money from my account. I am still not aware of how much you have taken from my bank account and moreover I had requested for the credit card statement to be sent to my mailing address as I wasn't sure about my outstanding amount and that should have been less than what your representative who came to my mailing address for the monthly payment collection told me. But neither I received your so cold notice nor the statement so everything is happening in dark for me as nothing was told or informed to me.
I understand if there is any outstanding payment then I have to pay but my question is, if this was the reason then why the telephone representative over the phone wasn't able to give this information? What about the trouble and cost which is spent on calling to get this simple answer? I don't have any problem paying off the outstanding amount of HDFC Credit card but at least I should be informed what I owe. What you gonna do about the reputation and my dignity were hurt by informing my friends and relatives as you don't have any right to disclose my debts apart from myself.
The resolution which I am looking to resolve this is, take off all the charges from the account for ECS Returned and send me the latest statement of the credit card also let me know how much has been taken off from my bank account for the non payment of credit card.
Thanks
[protected][protected][protected][protected][protected][protected][protected][pr...⇄
I already know that but what about the clarification which I am looking for? Following is the copy of the e-mail which I again sent today and on 15/12/10:
I hope this time I will get full and proper clarification on this matter with my Bank Statement since October on my e-mail ID.
[protected][protected][protected][protected][protected][protected][protected][pr...⇄
--- On Tue, 1/11/11, sinha jaya <[protected]@yahoo.com> wrote:
From: sinha jaya <[protected]@yahoo.com>
Subject: RE:'HBL=[protected]' Fw: Reference ID: TTU[protected]
To: "Talktous" <[protected]@hdfcbank.com>
Date: Tuesday, January 11, 2011, 5:43 PM
Dear Mr. Vesai,
I knew that you replied me on 15/12/10 but I have already reverted you with my problem on
the same day to you and to the e-mail ID "customerservices.[protected]@hdfcbank.com". But did not get any reply. I have also requested for my bank statement on my e-mail several times. Following is the copy of that mail:
__________________________________________________________________
--- On Wed, 12/15/10, sinha jaya <[protected]@yahoo.com> wrote:
From: sinha jaya <[protected]@yahoo.com>
Subject: RE:'HBL=[protected]' Fw: Reference ID: TTU[protected]
To: "Talktous" <[protected]@hdfcbank.com>
Date: Wednesday, December 15, 2010, 5:12 AM
Dear HDFC Bank,
I understand that HDFC Credit card payment is due but this is very unfortunate to know that without my knowledge you have taken the money from my account. I am still not aware of how much you have taken from my bank account and moreover I had requested for the credit card statement to be sent to my mailing address as I wasn't sure about my outstanding amount and that should have been less than what your representative who came to my mailing address for the monthly payment collection told me. But neither I received your so cold notice nor the statement so everything is happening in dark for me as nothing was told or informed to me.
I understand if there is any outstanding payment then I have to pay but my question is, if this was the reason then why the telephone representative over the phone wasn't able to give this information? What about the trouble and cost which is spent on calling to get this simple answer? I don't have any problem paying off the outstanding amount of HDFC Credit card but at least I should be informed what I owe. What you gonna do about the reputation and my dignity were hurt by informing my friends and relatives as you don't have any right to disclose my debts apart from myself.
The resolution which I am looking to resolve this is, take off all the charges from the account for ECS Returned and send me the latest statement of the credit card also let me know how much has been taken off from my bank account for the non payment of credit card.
Thanks
[protected][protected][protected][protected][protected][protected][protected][pr...⇄
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What your customer service team did after receiving 4 phone calls from me? I am surprised you people are still investigating this matter.