Punjab National Bank Housing Finance [PNBHFL] Complaints & Reviews

Unprofessional staff especially at their gurgaon branch . Foreclosure requested for a home loan in mid march and they haven't issued the statement as yet knowing fully well that I need to leave out of the country. Unnecessarily charging over 10percent interest rates when the loan could have been closed within a day or two. The company changes its rules for making part payments and one cannot pay the excess a amount from own funds . better...

Security.

Sir/ Madam,

I availed the plot loan from your finance company, Dehradun Branch, and it is being properly repaid in EMIs for months. But now I wanted to close my entire liability on this particular loan, as the balance outstanding is very less, also principal portion is mainly remaining in the loan.
I would like to state that I want to avail a Four Wheeler Loan and to arrive at the eligibility criteria in terms of repayment, I have decided to close one of my loans and submitted a request letter dt. 27.01.2023 to PNB HFL for closing my loan account with them, together with the Cheque (Cheque No. - 143155) of Rs 885/- collected by PNBHFL against the closure charges. I was then informed that I will receive acceptance letter of loan closure from PNB HFL within 21 working days of submitting the application for loan closure. But I have not received any acceptance of loan closure from their side, even after around 54 days of giving my loan closure application.
I would draw your attention on the fact that the amount of Rs 885/- was deducted and as per your company guidelines, I should have received my loan closure acceptance by 27th February 2023(21 working days from 27th Jan 2023).
I would further add to this that you don’t allow closure between 23rd and 6th of the months.
This means delay at your end is making me suffer and I won’t be able to close loan in March, though funds are available in my account well before Jaunary.

Kindly note that I called customer care weeks ago, but not received any call back from PNBHFL.
I further called Dehradun branch from where I availed loan and submitted loan closure request but no satisfying response was given by lady, who also refused to tell her name when asked, but she told that my case is being handled by Mr Kartik Semwal and he was not in office at that time. She then asked me to contact him on his number [protected] but this number was initially switched off and then his number was on waiting. He did not find time to call me back, so I am writing this email to you after getting no remedy for my simple issue.

I request you to let me know the reason for this delay and the person responsible for this.
This is not the kind of service, customer expects from its finance service provider, that too a reputed name like PNBHFL.

I am attaching 12 months loan statement of my account.

I further urge the PNBHFL to find out the person responsible and also let me know the same. It’s not a tedious task I believe.

Regards and thanks

Ajay Rawat
Loan account no. - HOU/DEH/0619/709554
Mobile No. - [protected]

Applied for a foreclosure letter with PNB Housing on 6th of Feb 2023, with the applicable fees of Rs. 885.00. It was informed by the CS Lady that this document will be provided within 21 days but today being 23rd March 2023 the letter has not been issued. Sanction letter has also been submitted to the Bank, but sorry to inform, there is no redressal of the issue.

It has become very difficult to service two accounts in the same...

To
BY
HAND/
E-MAILD/
SPEED
POST
THE
BRANCH
MANAGER
PNB
Housing
Finance
Limited,
Ground
Floor,
D-2,
Sector
-3,
NOIDA,
U.P.-201301
ST, BJECT:
Sir,
March
16, 2023
REGARDING
ISSUE
OF
EORECLOSURE
LETTER
AGAINST
THE
IIOUSING
LOAII
ACCOUI\T
I{O.
HOU/NOUo32
0/784348
singh,
R/o. J-1245,
Tower-J,
Steller
One,
Noida,
Gautam
Buddha
Nagar,
Uttar
Pradesh,
I, Shishir
singh,
s/o.
shri
shailendraKumar
Pin-
201306,
would
like
to
bring
to
your kind
notice
that
I am
holding
a
Housing
Loan
Account
bearing
No.
HOUA'{OI1A[protected]
aforesaid
Branch
against
the mortgage
of
my
immoveable
property
bearing
Flat
No. J-l205, Tower-
J,
Steller
One,
Noida,
Gautam
Buddha
Nagar,
Uttar
Pradesh,
Pin
-201306.
My
aforesaid
Account
is
fully
operational
as
I have
been
duly
paying
the
schedule
EMIs
towards
the
loan
amount
availed
by
me
from
your branch
for
purchase
of
my
aforesaid
Property
from
the Seller
i.e-
STELLER
ONE'
Sir,
it
is further
to bring
to
your kind
notice
that
I
wished
to
foreclose
my
aforesaid
Housing
Loan
Account
by
submitting
in
your
2
Sir,
it is further
to
bring
to
your
kind
notice
that
I
wished
to
foreclose
my
aforesaid
Housing
Loan
Account
by submitting
an
application
ot 27.01.2A23
with
your branch
and
further
requested
for
issue
of
foreclosure
letter
as
well
as
list
of documents
pertaining
to
the
mortgage
of
my
aforesaid
immoveable
property
against
my
aforesaid
account.
Most
important$,
I applied
for
foreclosure
of
the
aforesaid
Housing
Loan
Account
against
my
aforesaid
property by
keeping
in
view
the
fact
that
a
term
loan
of
Rs.
24, 00, 0001-
was
sanctioned
by
the State
Bank
of
IndiA
Branch
at
RACPC
2
Noida,
The
Corenthum
Tower
A, Ground
Floor,
Plot
No. A4t,
Sector
62,
Noida,
Gautam
Buddha
Nagar,
Uttar
Pradesh-
201309
against
my aforesaid
properly
on
lower
interest
rate
vide Sanction
Letter
dated 24.A1.2023.
Pertinently,
I applied
the
said
loan
with
the State
Bank
of
India
for the
sole
purpose
to
foreclose
the
present Housing
Loan
Account
running
with
your
Branch.
While
submitting
the application
for
issue
of
foreclosure
letter
as
well
as supply
of
the
list
of documents,
I was
appraised
by the
concerned
official
of
your branch that
all
requisite
formalities
for
issue
of foreclosure
letter
and
supply
of list
of documents
will be
completed
within
21
days
as
per
banking
noffns,
since
I
duly
submitted
the application
forthe
same
and also
deposited
an
amount
of
Rs.
17701-
alongwith
the
said
application,
vide
Transaction
ID:
[protected],
doted
30.U.2AX.
Sir,
it
is
also
not
out
of
place
to
mention
here
that after
21
days
of
the
submission
of
my aforesaid
application,
I
personally
visited
your
Branch
several
times
and
requested
to the
concerned
officials
for
issue
of foreclosure
letter
against
my
housing
loan account
by
informing
the
fact that
my
sanction
letter
dated
24.01.2023
issued
J,
by the
State
Bank of lndia
is
valid only
for
3
months from the date of
issue. However, no heed
is
being
paid
to
my
requests,
despite
rny
several visits to
your
branch. In
the
light
of the aforesaid it is
being
informed to
your
goodself
with
hard
hearted
that
something is
being
cooked up against me with
malafide
intention to deprive
me
from
the
foreclosure of
my
aforesaid
home
loan Account
by availing
the facility
of the term
Ioan sanctioned by the
State
Bank
oflndia
on
lower interest
rate.
In the light of
the aforesaid facts
and
circumstances, Your
goodself
is therefore
requested
to
issue
a foreclosure
letter
against my
Housing
Loan
Accourtt bearing
No. HOUfit{OI/032An84348
as
well
as
supply the
list
of
documents
pertaining
to the
mortgage of
my
aforesaid
immovable
property
as soon
as
possible,
thereby enabling me to
carry
out
further formalities
in
connection with the
closure of the
aforesaid
Housing
Loan
Account *om
yaur
branch.
Favourable
consideration
from
your part
will be
highly
solicited.
Yours
Truly,
q;rlio

I have loan account with PNB Housing Finance and applied for Preclosure statement on 20th Feb and its informed to me that it be delivered on 18th March 2023 but the bank is not giving it and delaying it which is not a good treatment to the customer. Customer service person telling that due financial year to show the track to RBI we are not issuing the Preclosure letter.seeing this I have another 2 loan which also I will move out from the PNB without fail.. The behaviors of PNB housing is to cheat the customer only seems. They trying to retain the customer forcefully. My loan is at Banjara Hills Branch Hyderabad. account number HOU/HYD/0722/1008571.Almost one month over since i applied for Preclosure letter. I also paid the requisite amount of Rs 855/- for processing of letter.

I have loan account with PNB Housing Finance and applied for Preclosure statement on 20th Feb and its informed to me that it be delivered on 18th March 2023 but the bank is not giving it and delaying it which is not a good treatment to the customer. Customer service person telling that due financial year to show the track to RBI we are not issuing the Preclosure letter.seeing this I have another 2 loan which also I will move out from the PNB without fail.. The behaviors of PNB housing is to cheat the customer only seems. They trying to retain the customer forcefully. My loan is at Banjara Hills Branch Hyderabad. account number NHL/HYD/0822/1025135.Almost one month over since i applied for Preclosure letter. I also paid the requisite amount of Rs 855/- for processing of letter. This bank is the worst bank and just they cheat customer

Dear Sir/Madam,

Loan A/C #HOU/JAN/0918/580409
PNBHF Janakpuri Branch, Delhi

I am writing to express my disappointment and frustration regarding the lack of communication from PNBHF regarding the foreclosure letter of my loan.
It has been over 30 days since I requested information on the foreclosure Letter of my loan, and I have yet to receive any correspondence from PNBHF. I find this level of...

Dear Sir/Madam,
Loan A/C #HOU/JAN/0918/580409
PNBHF Janakpuri Branch, Delhi

I am writing to express my disappointment and frustration regarding the lack of communication and bad service from PNBHF regarding the foreclosure letter of my loan.
It has been over 30 days since I requested information on the foreclosure Letter of my loan, and I have yet to receive any correspondence from PNBHF. I find this level of service to be unacceptable and it has caused me significant stress and uncertainty about the status of my loan.
I have attempted to contact their customer service and office multiple times to inquire about the status of my loan, but have not received any response. This lack of communication has left me feeling frustrated and uncertain about the future of my finances.
As a valued customer of PNBHF, I expect a higher level of customer service and transparency. I kindly request that you promptly provide me with information on the foreclosure of my loan, including any updates or changes to the process.
I trust that you will take immediate action to address this matter and restore my confidence in your organisation.

Sincerely,
Ankit Jain

I am to state that I have requested the PNB housing finance Limited for the issue of outstanding balance of loan account no. NHL/OMR/1019/753207 & Loan Account No. NHL/PUD/1021/917680 on 06.02.2023, but till now I did not receive the same. When I approach the Pondicherry branch office, they are telling me that your request is under process. Even after completion of one month, they did not produce or not give the loan outstanding balance. already I have paid Rs.885/- per loan accounts on 10.02.2023 through cheque payment.

Hence, I kindly request you to interfere in this matter and instruct the PNB housing finance Ltd., to issue the loan outstanding balance as on 31.03.2023 .

Thanking you,

Yours faithfully,

Mohane M

Sir,
I have applied for home loan foreclosure letter to PNB housing finance limited Nagpur and paid necessary fees.
And when i asked customer care they told me it with in 48 hours i will receive call from concerned team and they will ask for reason why I want to foreclose my home loan or if i will sell my flat then will ask for aggreement letter copy. so I want to know why they require such letter. They should have to provide...

Greetings of the day..

I had availed of a housing loan through PNBHFL and my loan account number is HOU/GUR/1218/623482 .

I had applied for pre-closure of this loan on the 2nd February’2023 with reference number 20931394 at my service branch in Gurgaon. I had submitted all the required documents along with the requisite fees and they told me that the letter would be issued in 3-4 working days.
Upon repeated follow ups they informed that it will be issued in a maximum of 21 working days. As of today which is the 10th of March its beyond 30 days.

I have been following up regularly but in vain.
Till date I have paid all my EMI’s on time including the one which has been debited from my account today. From a customer’s standpoint I find this as an arm twisting exercise just to mint interest from loyal customers.

I fail to understand what is stopping PNB housing to just let me know the total amount payable.

I spoke to one of their customer care officer named Mr. Puneet yesterday and he promised that someone senior would call me back which never happened.

I would request your kind intervention and help to get this resolved and to ensure a pre-closure letter is issued and the loan is closed immediately.

Thanking you in anticipation.

Pre closure letter request was initiated on 13 January, more than 60 days has been passed till pnbhfl is not giving me pre closure letter.
Multiple mail and followups with branch has been done still no resolution.
Escalated issue to Nodal officer also still no resolution.

Home Loan Details:-
Branch : WARJE
Customer ID: 1166475
Loan Account Number: HOU/WRJE/0717/409515

Please provide outstanding amount letter for complete loan closure amount.

Reason :- Flat cancellation (Maharera order number for your reference : Complaint No. CC[protected])
Builder Skyi Team will be providing cheque in favour of PNB Housing Finance Ltd. for outstanding loan amount.

Requesting to provide outstanding loan amount letter on urgent basis.
After loan closure is successful, i will be needing all submitted documents of property with NOC
on fasttrack basis.

I have also taken icici property insurance and hdfc life insurance linked against my pnb home loan.
Requesting to assist in getting remaining insurance amount from your insurance partners after loan closure.

Hello Sir/Madam,

I Am Vishal Mishra, This is with reference to my existing Home loan account number:- HOU/IND/1121/927053

On 19th January 2023 I have raised request for pre closure letter and List of documents through PNB Housing Indore Madhya Pradesh Branch with service request 20835408
I was informed that it take 21 working days. Now it is 27th February 2023 but I have not received my requested documents.br...

Dear All,

I have following two loans with PNB Housing Finance Limited:

1.HOU/HYDK/1221/938113

2.NHL/HYDK/1221/938660

I placed a request for pre-closure and paid the requisite fee to my home branch (Kukatpally Hyderabad Location) on January 31st, 2023. its been more than 24 days and i have not yet received the pre-closure letters.

I am very disappointed with the service...

Hello,

This is with reference to my existing Home loan with PNBHFL with account no. HOU/GHA/1121/929826

On 18th January 22 I have raised request for pre closure letter and List of documents through Vasundhara, Ghaziabad Branch(UP) with service request 20814228.
I was informed that it take 21 working days. Now it is 23rd February 2023 but I have not received my requested documents.
I am making consistent follow up with customer care but looks like they are purposely making delay.
They are saying waiting for approval, update me shortly: till now no time lines share with me.

Why so much time is required to provide two documents. It is totally harassment from PNBHFL. I also marked the copy of communication to Nodal officer but nothing happened so far.

I wrote mail to Nodal officer today also and marked copy of mail to "executive.[protected]@pnbhousingfinance.com".

I request your help in this regard to get my documents as early as possible.

PNB housing finance team is delaying to provide foreclosure letter, why do they take morethan 45 days to provide foreclosure letter. Now a days systems are more faster to process any type of loans, but do their system are very slow in processing to close loan?
I have paid all my EMI genuinely and the same i am expecting from bank side. Money is most important matter for everyone and not only for banks. Already i have paid a lot to my bank. I am following with customer care team daily for providing a closure letter. PNB will not receive check from 24th till 4th of next month. Again there will be delay now. My loan account no is NHL/HYD/0918/584849

Hello,

This is with reference to my existing Home loan with PNBHFL with account no. HOU/HYDK/0219/644823.

On 2nd December 22 I have raised request for pre closure letter and List of documents through kukatpally Branch(Hyderabad) with service request 20467278.
I was informed that it take 21 working days. Now it is 10th February 2023 but I have not received my requested documents.
I am making consistent...

Hello Team,
I had applied for Home loan closure on 31st December at PNB housing's, Chinchwad Branch in Pune, Maharashtra as I'm selling my flat.
I got banks preclosure request reference no. 20680185 on same day. The submitted cheque for loan closure processing fees was cleared on 3rd January 2023. The message from Bank said letter will be issued within 21 working days or on 25th January. I even got verification call on 16th...

On February 1, 2023, I have submitted request for fore-clouser /preclouser in CP Delhi Branch[protected]. It is week over and I am not even aware of status of request. Customer care portal does not even show info on raised SR.

This is the only finance company, which ask for 21 working days to even provide the amount details one has to pay to get account close.

I had bad experience with them regarding interest...

I am following with the PNB housing office, Jalandhar for the issuance of Pre closure letter of my loan. I submitted the request on 14th dec 2022 and till date pre closure letter is not issued. Their retention department called my mother on 28th dec 2022 but she could not be able to attend as she is not medically well. I again contacted PNB housing Jalandhar office and explained about the call missed and requested them for the call back, but no call was made by them till 09 Jan 2023. I again called then on 10 th Jan2023 and i am surprised to listen that their executive Ms. Deepali told me that their retention department call my mother on 10th Jan 2023 morning around 10.15 am and she is not reachable. The same time I called my mother and enquired about the same, but she has not received any call. Then I requested my mother to visit their Jalandhar office. She is 65 years old and taking all the pain in such a winter climate to reach their Jalandhar office from Phagwara and saw her mobile phone to Ms. Deepali and asked her to check the call details for which they are claiming that she is not reachable/contactable. We again requested them to arrange a call on 12th Jan 2023 my mother receive a call from their retention department, but she was asked by an automated call to dial extension number when she dialed the extension number call got disconnected this happen 3 time but all in vain why can they make a simple confirmation call. I fail to understand when we submitted the physical letter for Pre closure along with the Fees and I am continuously marking an email to their customer care for the issuance of Pre closure then for what they are delaying all this is a customer harassment. Their Nodal officer also don't bother to reply to customer email don't know for what purpose nodal officer is there. Moreover, when my mother is trying to each on that number it's not connecting.