[Resolved]  HDFC Bank — complaint against pollachi branch and loan center committing false commitment

Address:

Coimbatore, Tamil Nadu, 642002

Good day sir,

My name is NADAR VISHALRAJ S. I am one of your HDFC pollachi branch customers. I have NRE account from 24.01.2017. I am seaman working on ship as 2nd officer. I have good transaction since 2017. My wife also having saving account in your bank since 12.05.2015 she is running textile business at home. My monthly salary is 1200 USD and my wife earning 20 to 30 thousand per month, now coming to the point directly.

1. I applied for the personal loan from pollachi branch on 18.07.2018. Application number is 59260491 my application process took care by Mr. murali. He told me I will confirm the status I also called him so many times same reply I will do it sir and after one month he said not possible. Even not take proper documents from me only bank statement, adhaar card, pan card and one photo.
2. Again I applied for personal loan from Coimbatore loan centre on 23.08.2018 one day before Eid. Application number is 60399507. I got message from HDFC bank that application is has been accepted on 28.08.2018. I submitted all the documents passport, seaman book (coc), last 8 months salary slip, salary certificate from company, per ship joining letter and etc. Today I got personally message from bank staff that your loan has been rejected.

I ask why they said last 3 month’s salary was not credited in your NRE account. I said I am on vacation because my last contract on ship for 11 months apart from family. They said we need continue transaction. Please talk logically according to them don’t come to home stay on ship and send salary every month then apply. When I opened the account they said we will give good facilities.
My question is simple there is no any facilities for me on your bank as NRE customer and for my wife account also. For my wife account showing on net banking pre approved loan for 2.74 lakh when we go to ask them same reply no we can’t do anything. Even bank staff is saying please try at kotak Mahindra or bajaj finance. What is the use for keep my account in your bank???
They are not understanding my profession or not helping the good customer also.
My mobile number is [protected] and wife number is [protected] for contact us easily.
This is my first loan at your bank and worst experience I am facing.
Waiting for positive reply.
Thanks/Regards,

Nadar vishalraj s.
2nd officer(merchant navy)