| Address: 723101 |
| Website: www.hdfc.com |
Full trail mail attached here between myself and HDFC bank conversations.
Kindly go through from below to understand the matter perfectly.
Thanks
Rgds
Debabrata Das
+91-[protected]
Debabrata Das
From: Debabrata Das
Sent: Wednesday, July 27, 2016 11:08 AM
To: 'Response.[protected]@hdfcbank.com'; grievance.[protected]@hdfcbank.com;
[protected]@hdfcbank.com; [protected]@hdfcbank.com;
countryhead.[protected]@hdfcbank.com;
countryhead.[protected]@hdfcbank.com;
codecomplianceofficer.[protected]@hdfcbank.com
Cc: 'aditya.[protected]@hdfcbank.com'; '[protected]@gmail.com'; [protected]@rbi.org.in;
[protected]@rbi.org.in
Subject: RE: RE:'HBL=[protected]' GRCA: APW[protected]AK DEBABRATA DAS...Why it has
been rejected after processing
Dear HDFC Senior Managements,
When you will provide me rejection letter in HDFC Bank letter head? Please give me a timeframe for the same.
Please note, I have apply through HDFC Purulia bank branch via proper from fill up with my signature. I need rejection
letter from the same branch in HDFC bank letterhead with physical signature of HDFC Bank payroll employee/personal.
This is my rights also. If you will send from any other places then kindly send it to me in my current address by
post which was I have submitted in bank at the time of the application.
Please note again, I need it soon as my lawyer is asking the same, because it will be submitted at Calcutta High Court. He
is very much clear in this regards. Matter is not about the denial, it is about the wrong information available in website.
As per him NO INDIAN BANK CAN DRAW CUSTOMER attention by showing wrong information(I have already checked
the same even I am able to directly applied to HDFC dap via dapweb) in their website specially those services which
hurts Digital India visions!
Matter will be taken up to Supreme court along with Indian media if required.
Kindly don’t ignore this mail. Our Honorable Prime Minister Mr. Narendra Modi is Cc of this mail and hope also he is
watching.
Thanks.
Rgds
Debabrata Das
+91-[protected]
From: Debabrata Das [mailto:Debabrata.[protected]@ericsson.com]
Sent: Tuesday, July 26, 2016 6:03 PM
To: 'Response.[protected]@hdfcbank.com'; grievance.[protected]@hdfcbank.com;
[protected]@hdfcbank.com; [protected]@hdfcbank.com; countryhead.[protected]@hdfcbank.com;
2
countryhead.[protected]@hdfcbank.com; codecomplianceofficer.[protected]@hdfcbank.com; [protected]@rbi.org.in;
[protected]@rbi.org.in
Cc: 'aditya.[protected]@hdfcbank.com'; '[protected]@gmail.com'; '[protected]@timesgroup.com'
Subject: RE: RE:'HBL=[protected]' GRCA: APW[protected]AK DEBABRATA DAS...Why it has been rejected after
processing
Dear Mr Ravi M/ HDFC Senior Managements,
Please note no one named Ms Shalini Shukla had conveyed me regarding the same.
I have tried today via HDFC bank National Website and application possible with my data. I have full snapshots in my
Laptop.
Please I and a India not a foolish person who will believed you peoples words easily. Kindly give me all in written in
HDFC bank letter head. I need to produce same in Calcutta High Court along with those snapshots. Already talked with
my lawyer regarding same. Also I will go for RBI Banking Ombudsman Scheme – 2006 but will take time. I need quick
actions regarding the same!
Furthermore I am keeping Cc our Honorable Prime minister of this email so that also he can under what happening
to our “Digital India” vision! Whatever showing in HDFC Bank National website is not matching with actual banking
systems and why a Indian girl marriage not happening due to this wrong things!
I am keeping Times of India in this mail for note and reference. Aside TOI please note these and print in yours paper or e
papers if required. I have enough evidence against HDFC bank to proof myself.
Thanks.
Rgds
Debabrata
From: Response.[protected]@hdfcbank.com [mailto:Response.[protected]@hdfcbank.com]
Sent: Tuesday, July 26, 2016 5:40 PM
To: Debabrata.[protected]@ericsson.com
Subject: Fw: RE:'HBL=[protected]' GRCA: APW[protected]AK DEBABRATA DAS...Why it has been rejected after
processing
Dear Sir,
This is with reference to your emails dated 18th and 26th July 2016 addressed to the Bank’s Senior Management regarding your
proposal for Personal Loan.
We have to advice you that your proposal for Personal Loan does not meet our bank's internal criteria for unsecured loan and the same
has been conveyed to you by our official, Ms. Shalini Shukla as well.
Our decision on the application may not be deemed as any reflection on your personal credit worthiness or stability. We sincerely
hope that the Bank will be in a position to meet your requirements in future.
Thanking you in anticipation of your understanding and forbearance in the matter.
In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a
3
fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory
guidelines, we are also required to mention that you may approach the Banking Ombudsman (appointed by
the Reserve Bank of India); in the event you are not satisfied with our handling of your complaint. Should
you wish to exercise this option, please log on to our website www.hdfcbank.com for details of the Banking
Ombudsman Scheme – 2006.
Warm Regards,
Ravi M.
Customer Service Manager (Chairman & MD Cell)
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400
013.
From: Debabrata Das
To: Response.[protected]@hdfcbank.com, grievance.[protected]@hdfcbank.com
Cc: [protected]@hdfcbank.com, [protected]@hdfcbank.com, countryhead.[protected]@hdfcbank.com,
countryhead.[protected]@hdfcbank.com, codecomplianceofficer.[protected]@hdfcbank.com, [protected]@rbi.org.in, [protected]@rbi.org.in
Date:[protected]:06
Subject: RE: RE:'HBL=[protected]' GRCA: APW[protected]AK DEBABRATA DAS...Why it has been rejected after processing-reopen
Dear Ravi M./HDFC Senior Managements,
Please note 5 working days already and also normal 7 days over. I have not received any reply regarding below escalations. Even
HDFC Bank Official Mr. Joy Banerjee ([protected] & Relationship Manager Mr. Satish ([protected]) not able to answer any of my
simple query!
It is clear that you peoples not able to answer regarding the same according to HDFC national website information!
Please note again, I have apply through HDFC bank branch via proper from fill up with my signature. I need proper justification in
written regarding the same in written from HDFC bank end in letter head for this rejection accordingly whatever mentions in
national website!
However I am attaching my current Experian Credit Report (CIBIL) report with this mail for reference. Score is -788.
Waiting for your reply/feedback.
Thanks
Rgds
Debabrata Das
+91-[protected]
From: Response.[protected]@hdfcbank.com [mailto:Response.[protected]@hdfcbank.com]
Sent: Monday, July 18, 2016 9:03 PM
To: Debabrata.[protected]@ericsson.com
Subject: Fw: RE:'HBL=[protected]' GRCA: APW[protected]AK DEBABRATA DAS...Why it has been rejected after
processing-reopen
4
Dear Sir,
We acknowledge receipt of your below e-mail received at the office of the Senior Management.
The matter is under review at our end and we will revert to you within next 5 working days. We solicit your
patience and cooperation in the interim.
Assuring you the best of our services.
Warm Regards,
Ravi M.
Customer Service Manager (Chairman & MD Cell)
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400
013.
From: Debabrata Das
To: [protected]@hdfcbank.com, [protected]@hdfcbank.com, grievance.[protected]@hdfcbank.com
Cc: countryhead.[protected]@hdfcbank.com, countryhead.[protected]@hdfcbank.com, codecomplianceofficer.[protected]@hdfcbank.com,
[protected]@rbi.org.in, [protected]@rbi.org.in
Date:[protected]:21
Subject: RE:'HBL=[protected]' GRCA: APW[protected]AK DEBABRATA DAS...Why it has been rejected after processing
Dear Sir,
This is the query regarding personal loan application for my sister marriage purpose.
Please note loan application ref no generated by HDFC bank system[protected].
Rs 2, 20000 has been already approved and I have got SMS for the same. Same amount was showing at time of online application
showing in HDFC bank national website even there also I have put/given all mandatory and non-mandatory details like my home
loan details and same I have submitted to bank at the time of document submissions. Please refer trail mail for more details.
I have submitted every correct details whichever asked by bank!
But I have just received a call from your Bank Official Mr. Joy Banerjee ([protected]) that my application has been rejected by
credit department even after such approve! Reason Banks norms not working in my case/application!
Now I have a question-
1. Why HDFC bank national portal showing different things when the actual reality is different?!? Which everyone can access that in
this country. Why wrong promises there in a such nation websites?!?
2. Why my loan is rejected even after manual approval via branch?!?
Aside RBI :- Please note above things! How HDFC bank playing with Indian peoples. Whatever in there national website is showing is
totally wrong with their actual banking systems. Can the provide actual justification about my loan application according to their
nation website application system or even there actual application system/norms?!?
Waiting for positive response from both HDFC and RBI regarding the same because only these types of faulty system my own sister
marriage will never happened!
Marriages of a Girl/Sister is really very sensitive till date in our country like India.
5
According to your feedback I will review the same with Govt of India and also with Indian media.
Thanks.
Rgds
Debabrata Das
+91-[protected]
Purulia, West Bengal
Dear Mr. Das,
Thank you for writing to us.
This is with reference to your e-mail addressed to the Managing Director. In continuation to our e-mail
dated July 12, 2016, we at grievance reddressal team have reviewed/ investigated the matter and would
like to share our findings / resolution as below:
We understand from our Bank Official Mr. Joy Banerjee that you have submitted the requisite document to
process the Loan on July 13, 2016.
Please note that final sanction of loan will only be considered as per the internal lending norms of the
Bank on Personal Loan.
You are requested to contact our official Mr. Joy Banerjee on [protected] for further assistance.
Thanking you in anticipation of your kind understanding in the matter.
In line with our focus and commitment to Customer Service, we trust that this Grievance Redressal Cell
has addressed your grievance in a fair and equitable manner and the issue has been resolved to your
satisfaction. If you are not satisfied with the resolution, you may write to our Principal Nodal Officer Mr.
Appala Pranesh Rao at HDFC Bank Ltd., 5th Floor, tower B, Peninsula Business Park, Ganpatrao Kadam
Marg, Lower Parel (West), Mumbai 400013 or E-mail at [protected]@hdfcbank.com or Fax at 022-
42197125.
Alternatively you can call at Tel:[protected].
Warm Regards,
Manish Katiyar
Customer Service Officer
Grievance Redressal Cell
HDFC Bank Ltd.
Our PhoneBanking numbers are available on www.hdfcbank.com Find your nearest.
This interaction is being tracked through the above reference number and we request you not to change
the subject line in future correspondence.
Disclaimer :
6
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you
have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you
are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any
accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or
alteration of the e-mail by a third party or otherwise.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
________________________________________________________________________________...⇄
Disclaimer:
"The information contained herein (including any accompanying documents) is confidential and is intended solely for the
addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if
you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in
reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The
organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013. "
From: Debabrata Das [mailto:Debabrata.[protected]@ericsson.com]
Sent: Tuesday, July 12, 2016 11:20 AM
To: '[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'
Cc: 'countryhead.[protected]@hdfcbank.com'; 'countryhead.[protected]@hdfcbank.com';
codecomplianceofficer.[protected]@hdfcbank.com
Subject: Query regarding personal loan application(ONLINE)
Dear Sir,
Please note my online personal loan application first- DPL[protected] on 10
th July. Application snapshot is attached with this mail for
reference.
I have applied through HDFC National Website by putting every details even non mandatory details also in application from. After
competition it has intimate me in written that “our representative will contact you soon” but unfortunately no one has
communicate to me till date and time! Yesterday full working day past and today also around now 11:30 AM.
I need a honest answer from HDFC bank senior management that whether those HDFC bank online system works or those are
only for show up purpose or hoax or etc?!?
Is really those online system works for the nationalize bank HDFC or we have to visit branch first and approach for the same in
personal first as our EARLIER GENERATIONS use to did?!?
Kindly reply soon. Waiting for your positive response.
Thanks.
Regards,
DEBABRATA DAS
Senior Engineer
Ericsson AB
7
BU/Department–BSS
C/O: Reliance Communication Ltd
South Lake Road (Opp. Subhash Park)
Purulia, West Bengal – 723 101, India
CALL/SMS – +91-[protected]
EMAIL ID – Debabrata.[protected]@ericsson.com
________________________________________________________________________________...⇄
_
Disclaimer:
"The information contained herein (including any accompanying documents) is confidential and is intended
solely for the addressee(s). If you have erroneously received this message, please immediately delete it and
notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure,
copying, distribution or taking any action in reliance on the contents of this message or any accompanying
document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a
virus or alteration of the e-mail by a third party or otherwise.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400
013. "
Right-click here to download pictures. To help protect your privacy, Outlook prevented automatic download of this picture from the Internet.
________________________________________________________________________________...⇄
_
Disclaimer:
"The information contained herein (including any accompanying documents) is confidential and is intended
solely for the addressee(s). If you have erroneously received this message, please immediately delete it and
notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure,
copying, distribution or taking any action in reliance on the contents of this message or any accompanying
document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a
virus or alteration of the e-mail by a third party or otherwise.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400
013. "
HDFC Bank customer support has been notified about the posted complaint.
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