Syndicate Bank — home installment paid but still it is showing the arrears

Address:

East Godavari, Andhra Pradesh

I have a home loan a/c: [protected]. Every month me or my dad will deposit an emi amount before the deduction date (Usually last date of month). Every time bank system will do 4 transactions which are 2 debit (Total interest up to the month and emi amount) and 2 credit (Interest and capital amount received) transactions.

But in nov month advance amount of 911/- rupees is already available in loan account and remaining amount for the emi is 22500/- rs is transferred by my dad on nov 29th.

Usually i'll check my check account every month whether emi amount is properly deducted or not, but this time loan account is showing arrears of 22092/- rs, when i saw the statement it was not usual as every month statement, this time it has only 3 transactions (Total interest charged, emi amount and interest credited).

Mistakes i found after watching the statement is
—
1) loan payment received in advance is showing 911/- rs only which is the advance amount in loan account (Every month it should show emi amount i;e, 23004/- rs if sufficient amount is available in account)

2) system has not considered or taken the amount of 22500/- rs deposited on 29th nov 2017 for emi.

3) totally it has taken 911/- rs out of 18411 (Interest calculated till nov month)
4) remaining amount of 22092/- is showing as arrears.
5) why 22500/- has taken to account when it showing in credited transaction.

I spoke to the manager but he is saying that the arrears showing are for dec month, i asked if i havent paid by 31 st dec 2017 then it should show the arrears from 1st jan month. He said don"t worry no dues are there.

But for my confirmation i transferred 100 rs to the loan account first it showed as advance amount and it deducted that 100 rs as penalties and i can see the interest amount also got reduced for 100 rs from 17499 to 17399.

If the arrears showing are for dec month then 100 rs should deduct on 31-dec 2017 until that date it should show as a advance amount.

I spoke to the manager couple of time he said he will check with other accounts and let me know, but i dont want to delay the problem and affect my cibil beacuse it will create problem in future.

As i'm working in bangalore and the bank branch is in my home town where i cant travel frequently i thought of raising the consumer complaints

I'm attaching required docs for that, please try solve the problem asap.

Thanks,
Vamsi