HDFC Bank — Charging Incorrect Charges

MohitSanjwaal

Address:

JASTECH SYSTEMS PVT LTD, PLOT NO. 258,SECTOR-8,IMT MANESAR

I, Mohit have a savings account with HDFC Bank, Manesar, Gurgaon Branch having Account Number # [protected]. I have taken a personal loan from your bank whose EMI is due on the 7th of Every Month. On 7th Feb 2021, the EMI didn't get deducted from my Account till 9 pm, however, the account has the amount for the EMI to be deducted. As am very much concerned about my CIBIL, so I paid the EMI using Netbanking at night on that day so that my CIBIL won't be affected. But to my surprise, even after paying the EMI on time, the bank charged a bouncing charge. Now I request you to reverse these charges as the EMI was paid on the due date itself. Otherwise, it Will be a poor example for those who pays their dues regularly on time and this will ruin your bank image among my family and friends. Looking for a quick positive response from your side.

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HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Apr 14, 2021

HDFC Bank Customer Care's response Dear Customer,

We have shared your comments with the concerned team and our bank official will get in touch with you on or before April 17, 2021. We request your patience in the interim.

-Zubin
HDFC Bank Customer Assistance

Apr 23, 2021

Updated by MohitSanjwaal Dear

Please clarify the withdrawn amount vs deposit amount on account of loan number # 8808040. Kindly get the extra debited money reversed to my account asap.

Date Withdrawn Amount Deposit Amount (From Bank Side)

7/2/2021 RS. 4283

8/2/2021 RS. 4283 RS. 4283

9/2/2021 RS. 887.98

10/2/2021 RS. 3395.02

11/2/2021 RS. 2985

15/2/2021 RS. 649

TOTAL RS. 12849(Dr) RS. 7917(Cr)

Difference(Debit vs Credit): RS. 4932

EMI Amount: RS. 4283

Amount Extra Debited: RS. 649

Please don't fool innocent people. Get my statement checked and get the extra debited amount reversed.

A screenshot of the mail received from the Bank end has been attached herewith for your reference.

I really wonder that HDFC bank have hired so illiterate people who even don't know addition and substraction.

Apr 23, 2021

Updated by MohitSanjwaal Account Summary of loan account# 8808040:

Date Withdrawn Amount Deposit Amount
7/2/2021 RS. 4283(Dr)

8/2/2021 RS. 4283(Dr) RS. 4283(Cr)
9/2/2021 RS. 887.98(Dr)
10/2/2021 RS. 3395.02(Dr)
11/2/2021 RS. 2985(Cr)
15/2/2021 RS. 649 (Cr)

TOTAL RS.12849(Dr) RS.7917(Cr)

Difference(Dr vs Cr): RS. 4932

EMI Amount: RS.4283

Amount Extra Debited: RS. 649

Apr 30, 2021

Updated by MohitSanjwaal Any update or should I raise the subject matter to RBI OMBUDSMAN.

Nov 24, 2021

Updated by MohitSanjwaal should I raise the subject concern to RBI OMBUDSMAN?

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Comments

MohitSanjwaal

I haven't received any response from your Bank side. I just simply want to ask, Are you going to reverse these unappropriate charges charged or Should I register a complaint with RBI Ombudsman for the same.