[Resolved] HDFC Bank — personal loan

Pinks77

from Bengaluru, Karnataka

Address:

New Delhi, Delhi, 201301

This is in reference to agreement number 47577226.

I had availed personal loan from hdfc last year in may 2017. This year i experienced some financial difficulty and was unable to pay one month emi.

Your collections team started following up. A gentleman named anuj bhati, contact number ([protected]), started following up with me and i have been paying my emis every month as soon as my salary is credited.

In august 2018, i told them i am still going through some financial problems hence want to reduce monthly emi but have all the intentions to pay off my loan.

Anuj then contact his manager (Manish from ito branch), who told me i should pay my august emi and he will send a request to bombay office for reduced emi and will get back to me by sept 5, 2018.

He didn't get back and i was again told to pay off sept emi (22088) and was also told manish forgot to process my case with head office. Then gentleman named rahul ([protected]) took me on a conference call with manish in last week of september and told me manish reports in to him.

Both of them informed me the approval has come in, however, i have to pay sept emi for 22088 and from oct onwards, my emi would be 13476 for 58 months and every 10th of month, emi would be deducted. I asked rahul i would pay and then he should e-mail me the details of new loan schedule and he acknowledged the same over message (Screenshot attached).

Anuj bhati also informed me the same over whatsapp (Screenshot attached) after which i paid my sept emi (Of rs 22088).

This month i noticed ecs of 22088 was again presented and got bounced off and i have been following up with rahul who informed i need not to worry and he will e-mail me all the details.

This morning i spoke to anuj and he informed, manish left the organization and a new manager named vijay kumar has come in and he has no details of what was promised to me. This afternoon vijay called me and asked to escalate the matter and assured he will also try at his end.

This is unacceptable. Your bank representatives have been telling lie to me, making fake promised. I am going to escalate the matter to consumer court as well.

In the meantime, i request you to please take my sincere request and resolve the matter amicably and at the earliest as i was just also told by vijay next month my account will go into deliquency.

I need my monthly emi to be reduced but want to stick with hdfc for all my banking needs.

Request you to please get this issue resolved at the earliest.

Anuj bhati: [protected]
Manish (Ito branch): didn't save his contact number but anuj knows him
Rahul: [protected]
Vijay kumar: [protected]
Screenshots attached:

I have spoken to rahul twice today and he informed he is e-mailing me the new loan details soon and now he has blocked my number.

+2 photos

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Nov 16, 2018

Complaint marked as Resolved

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

Verified Support

Oct 10, 2018

HDFC Bank Customer Care's response Dear Customer,

We are working on your concern vide Ref ID:[protected] and will revert to you in 3 working days.

-Manoj
HDFC Bank Customer Assistance

Oct 10, 2018

Updated by Pinks77 Ok

Oct 11, 2018

Updated by Pinks77 I got a call from ITO branch today, some lady named Khushboo or Komal (didn't get it properly) (Ph:[protected] asked me to narrate my entire story again which I did. She then put me on hold for over 5 mins stating she will investigate the matter, comes back from hold and informs, reducing EMI or rescheduling the loan is not an option and also that her investigation confirms no commitment was ever made to me on reduced EMI. WoW, even FBI would be proud of such super quick investigation. I then yelled at her and she got Manish on the line. Surprise again, I was told by Anuj ([protected]), Manish has left the organization and Vijay ([protected]) has joined at his place. I told Manish I was made aware you have left the organization and he informs he hasn't and both Vijay and Anuj reports into him. I asked Manish why did you make false commitment and as usually another HDFC employee refuses to accept. He tells me he had informed he will try at his end. I confronted him and reminded him, he was there on the conference call in last week of September with Rahul and both told me my loan has been rescheduled and new EMI of 13476, would start from October and every 10th of month, ECS would be deducted. I was so angry at his lie that I abused him and disconnected.

I then called up Vijay and asked why did Anuj lie to me now about Manish and Vijay took Anuj on conference call and I confronted Anuj now and he started to stammer, quite obvious he was caught on his lie. He informs no I just informed Vijay has taken over the charge as new manager while stammering. I yelled at him now and disconnected.

I then called up[protected] and spoke to another representative named Mithali Yakkarnall and shared the entire above episode and also requested her to please have my complaint routed to some senior management team. All of your folks from ITO branch have just been telling me a white lie and trying to make a fool for last 2-3 months.

Employees are brand ambassadors for any organization and your employees have been brand disasters so far.

Mithali could not confirm exact duration when someone will reach out to me again however did mention complaint would be appropriately handled by Mr Aditya Puri's complaint desk and they will surely get back to me.

Looking forward to hear another lie from HDFC.