Dear Sir/ Madam
I, Jaya Grover (previously known as Jaya Khushboo before Marriage) have been thinking to complain about HDFC Bank for a long time but was waiting for a satisfactory resolution from them but I have not been given any importance or value for my complaint so now I am knocking your door for the justice. Let me explain what happened - I have a saving account with HDFC Bank as Jaya khushboo (previous name) which I am paying my car and personal loan through. Car loan Rs. 5720 EMI from HDFC Bank and personal loan Rs. 7051 EMI from ICICI Bank which were being paid very nicely and smoothly. I don't live in India any more as I study in England but I am sending money to my brother who lives in India and he is depositing the enough money in my bank account every month before the EMI date for both the loans. My car loan installments are not going through, despite the fact that I have sufficient money in my bank account. I was not aware of this until my relatives and colleagues of previous profession phoned and told me that they have been getting phone calls from HDFC Bank for me asking my contact details and telling them that they are trying to trace me as I am not paying back my bank loans. I hope you can understand how embarrassing it would be for some one like me who is paying all the debts honestly. to confirm that the money is being deposited into the right account or not my father went to the bank branch with all the deposit receipt and found nothing wrong in the account number and then I phoned up for 3 - 4 times to HDFC Bank customer service to find out what's wrong but unfortunately I did not get any resolution. I spoke to 2 - 3 different people, they all said the same thing that they can see the sufficient funds were there in the account but car loan EMI did not go through and was bounced back twice in a month and that happened for 2 consecutive months October and November. it has cost me the penalty on the account and ruined my record. First I spoke to Raju on 03-12 at 4:30pm IST, he asked me to speak to the car loan department to clarify this as he couldn't find the reason that why it got bounced then I phoned the HDFC car loan department and was told that because of insufficient balance, the payment couldn't go through when I told her that the balance was there for this payment, she asked me to speak to the bank as the payment was rejected for the non-sufficient funds (which is not possible) I again phoned HDFC Bank and spoke to Gurdeep, asked her the same. When she didn't find any satisfactory answer, I requested for a manager/supervisor to speak to me she asked me to be on hold, after a long wait on hold, she disconnected. I again phoned up as I was very frustrated and curious to find out the reason, spoke to Shivani and asked for the supervisor, I got a supervisor on the call named Vijay, explained him everything even he could not find any satisfactory answer to give me. Yo can not expect a bank like HDFC to do such things and have no answer to give to the customers. As I have been paying towards my debts and still being penalized, embarrassed and harassed with annoying phone calls to my relatives and friends also messages on my Facebook profile which they don't have any rights to contact me on. I request you to look into the matter and ask them to resolve this ASAP, also reimburse all the penalty and charges occurred on this particular issue...
My details are:-
Name: Jaya Khushboo
Bank account number: 00881140076739
Car loan account number: 13947132
car loan emi: Rs. 5720
My email: [email protected]
My telephone Number: 0044 7903853967
Regards
Jaya Grove
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