[Resolved]  HDFC Bank — Useless HDFC still did not close my loan even after paying full amount for closer ( PL loan account number :[protected]

Address:

560066

HDFC Management,

Are you left with any shame or professionalism of banking.
It is really a very bad experience since I have took personal loan from HDFC bank.I am again force to drop you mail that even after paying the entire amount of 346, 900 INR to close my personal loan on 03/04/2017 it is realized from your customer care today that the loan is still not closed and no request for closure is happening. I am in complete shock when I heard this from your customer centre. Are you really serious in banking sector or looting with public or playing with their money. Such a shameless people you are. Really a frustrating banking experience with HDFC.

I went to your Indiranagar HDFC bank on 03/04/2017 to close my loan and gave a cheque of INR 3, 46, 695 of RBL Bank to close the loan and it is accepted and your executive told that it takes 7 days to close loan and within 15th of April you will receieve loan closure letter at my home address. On 05/04/2017 the cheque is cleared from my account, amount is debited and on same day you have deducted EMI of INR 11990 from my CITI bank account for the month of April. I had kept with little amount in my account for my monthly expenditures and with hope that it will be returned back to me early but its made me to wait till today and no excess EMI amount is returned yet. I doubted on you people and called your customer care to check status of loan and returning my excess amount of 11900 to my account. Your executive have told that loan is not processed for closure and have taken a complaint on it and asked to wait for another 5-7 days. Are you really serious about playing with me ? Have you thought I never think about my money and the interest it earns for me. Excess amount of INR 11900 EMI deducted for the month of April even after loan closure earns me interest daily if I keep it in my Savings account. But with your careless work/no dedication at work for not considering loan closure, I am bearing a loss of interest of amount which earns me some interest.You can not hold my excess amount unnecessarily for a month long and without paying interest for it.

You need to take below actions immediately without any delay:
- Close my Personal Loan immediately
- No single rupee of deduction from EMI amount INR 11990 which was debited from my account on 05/04/2017.
- For holding my loan closure process longer and keeping my amount INR 11990 with you, you must pay me the full amount along with interest of 15.75% as of loan Interest starting from 5th April to until the date you return my amount of INR 11990. ( The interest you need to pay for my amount of 11990 is 14 days * 63 interest per day = 1, 260 INR as of till today + the further upcoming days interest). You must return the excess amount as well as interest for the amount. Otherwise I am not going to leave you people and will drag to court.

This is very serious issue that even after getting full amount from customer to close the loan and not proceeded with loan closure and also the excess amount is deducted though ECS and kept excess amount unnecessarily with you.

I am definitely going to file a case consumer court for the cheat done by HDFC and will also police case if required.

Loan account Number : 37632589
Closed loan Date : 03/04/2017
Cheque cleared Date : 05/04/2017
Excess EMI deducted Date : 05/04/2017