This refers to my complaint filed with HDFC bank about not crediting the cheque deposited in my Savings account. Some of the bank's executives were however was unable to trace the same till today morning. However, they've credited to my current account and are not accepting the mistake.
Due to this mistake, I receive a SMS from HDFC Ltd.saying the loan went uncleared and I had to bear a penalty. Please note that there was a direct debit facility arranged from HDFC Ltd. to HDFC bank till the 10th of every onth. Dure to banks oversight, why should I bear the brunt of penalty.
Kindly note the details.
Self cheque from ICICI via cheque no. 419681 was deposited at the HDFC ATM at Catle Mill at 18: 18 on 7/4 via transaction no. 3543 (Amount Rs. 15000/-) into the Savings account of HDFC (A/c No. XXX XXX XXXX3515)
The same gets cleared by ICICI on 9th April and is reflecting in the statement.
On 15/4 at 16: 18, I receive a SMS from HDFC Ltd. about a uncleared loan.
I am surprised and then check my savings account. No credit is reflected.
Enquire with the bank and file a tele-complaint. They do not appear to find the problem and I start pressurising them. Then, at the complaints desk on April 17th, admit that amount reflects in the Current account (which I do not use at all). But the bank fails to do the rectification. On 18th, I once again file a e-complaint on the banks website.
Again on 19th I call up HDFC bank and fire them, no rectification. However on 19th morning they call me and ask me to telephonically transfer via TIN (telephone identification number), which I adhere to.
Kindly note that the bank is still not addressing my concern on making good the loss on penalty payment and in terms of interest accrued on my HDFC loan account due to your default. Also, they are not accepting their mistake of crediting my current account wrongly.
Mentioned below is the detailed e-mail list and responses from bank:
Sat, 19 Apr 00:03:34 -0700 (PDT)
From: "Chandrika Rodrigues" Add Mobile Alert
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Subject: RE:'HBL=005-221-346' Complaint/Feedback for - Savings Account NET.CS.Hpg
To: "Customer Service"
Please note that I do not even recollect my current account number as I do not use it. Hence there is no question of me depositing the same into the current account. Also, the banking slip from ATM also mentions the deposit clearly in my saving account i.e. XXXX 3515.
Please make good the loss as this is not an excuse. Simulataneously an filing a consumer complaint at the Consumer forum and also approaching the media.
Regards,
Chandrika
Customer Service wrote:
Dear Ms. Rodrigues,
Thank you for writng to us.
With reference to your e-mail dated 18-04 regarding Cheque related.
We wish to inform you that the said cheque was credited in your current reimbursement current account number ending with ***077 on 08-04. We wish to inform you that there was no delay from our end in crediting the said cheque. We request you to check the same through Netbanking.
Warm regards,
Hemant Mane
Customer Support
HDFC Bank Ltd.
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&--Original Message&--
From: [email protected] [[email protected]]
Sent: Friday, Apr 18 9:41AM
To: [email protected] [[email protected]]
Subject: Complaint/Feedback for - Savings Account NET.CS.Hpg
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Customer Type: Resident Indian
Customer Name: Chandrika Rodrigues
Country: INDIA
City: Thane
Mobile No. : 9821266688
Email ID: [email protected]
Product about which Complaint / Feedback: Savings Account
Other Product about which Complaint / Feedback :
Your Complaint / Feedback (s) : This refers to my tele complaint # 144290417 with reference to not crediting my cheque. Please note that the same was been deposited on 7th of April via cheque no. 419681 of ICICI bank at Castle Mill- ATM to account XXXXXXXXXX3515 wth the S No 3543. To my utter shock I realise that the same was credited by ICICI on 9th but there no credit appearing in my account statement. To add up to this I understand that my HDFC Loan cheque No. 5417 for Rs. 14430 returned unpaid and the loan office is now charging me with interest.(my loan account no. being 211776825) Kindly note that my call to phone banking at 6 PM today, clarifies that my cheque was credited to the current account. Please note that this is not pardonable as per principles as I had to bear the interest on loan with an additional mental stress. Hence, I request you immediately to make good the loss (in terms of interest accrued on my HDFC loan account due to your default) else I shall be taking up the same with the RBI. Regards, Chandrika Rodrigues
Are you HDFC Bank's Customer? : Yes
Relation with Bank: Account
Account / Credit Card / Loan Account No. : XXXXXXXXXX3515
Branch Name: Express Towe
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