HDFC Bank — HBL=[protected]' Credit Card complaint addressed to PNO

Address:	Chennai, Tamil Nadu, 600100
Website:	www.hdfcbank.com/personal/products/cards/loan-on-credit-card/insta-jumbo-loan

This all started in Nov 2015 and till date there has been 17 mail exchanges between HDFC Bank represented by Manikandan who says himself that he is a Manager - Grievance Cell . I had a Jumbo loan for Rs 2707.75 PM with first EMI in Oct 2015 which got autodebit from my HDFC savings bank account on 26 Oct so I mistook that every 26th HDFC will debit but it is for 25th of every month. I took the responsibility and was ready to pay the penalty for it. On 26 Nov I spoke to the HDFC customer service and as per their instruction and email which I received from HDFC asking me to pay the due amount through ATM. So at 1130 am I made tthe transfer to my Jumbo loan account and got it acknowledged from them. I also asked them as autodebit failed on 25 Nov whether your team will try again today (26 Nov) and even if there is 1% chance I will deposit some amount as I have Home Loan EMI on 27 Nov. They assured as payment is done all has been sorted and you will be informed on penality later for the auto debit failure. But on 26 Nov evening after I left the office HDFC had blocked Rs 2707.70 from my savings account due to which my HDFC home loan got affected. On 27 Nov I have to make almost 100 calls to release the hold amount. After much fight it was released on 27 Nov evening. If I havent paid this Jumbo loan amount on 26 Nov they would have anyway put an hold to my account for that amount and my home loan would have passed through. Now I am not ready to pay any penality for the delay for Jumbo loan as this had affected my Cibil rating for my home loan failure. I was penalised for Rs 850 + Tax and was refunded for Rs 450 only. Now I want me entire penalty amount to be refunded but there is no proper response. My only query is when my account was filled at 1200PM on 25 Nov with Rs 5000 why HDFC did not block my account and why was it blocked on 26 Nov evening after I had settled my dues. I had never signed any paper with HDFC for autodebit from my savings account for the Jumbo loan payment. As per RBI Bank should not penalise if payment is done within 3 days and as this Jumbo loan is from my Credit Card this should been followed. I have been using this HDFC Card for 6 years from now and has been paying full amount without any due and i never expected this type of response from HDFC team.