Elaboration for @HDFC_Bank

Dear @HDFC_Bank,

Normally when I write a post with an intent to get to somebody, I spend some time, do a little home work, have a point and then roll it out.

Am doing this post in a hurry; because, you know, you’re trying hard to assist me on twitter but are unable to.

If you remember this tweet, read on for the response.

While I already replied to the tweet immediately and we’ve been having a disconnected conversation over twitter, this is just a sample to let you understand what I’m referring to, when I say “issues”. I repeat, it’s plural.

And, no kidding, but the terrible service you provide deserves more than 140 chars.

Story background:

A while ago, I contacted your branch where I unfortunately have my salary/ savings account. I requested them to stop an ECS request from Reliance Capital. I was surprised to know that I couldn’t do that! I have no control over my account? I didn’t dare to ask if I can at least block cheques anytime in the future; I kinda know what you’ll say.

Hold on for a moment now. I know you’re thinking “there is a way to stop ECS, all you have to do is get a declaration from Reliance Capital that requests you to cancel the ECS”. Now, take a deep breath and try to understand what’s going on in my mind.

If I come to you with a request to block a cheque (hypothetically, because a cheque is stolen, let’s say), you want me to find the cheque and submit it to you in original, along with my address proof, original passport, valid VISA, telephone bill, ration card, Voter ID card, 2 color passport-size photographs, and, may be my office ID card in original?

Think about it- if I can convince Reliance to cancel the ECS, why the heck would I come to you again and request you to cancel/ dishonor the request? I’m sure you have your dumb policies and bunch of forms at your finger tips, but can you at least get into my mind for a moment and look at the situation?

Here is an email that made me aware of your policy.

Current issue sample:

Again, this is not one of my primary concerns right now, however, as I told you, showing you a sample of why I hate HDFC so much and trying hard, in every way possible to kick you out of my life.

Your recent messages to me on twitter were talking about me visiting the branch to address the situation.

Well, that’s been on for about 6 months now and may be you call it “Retail Asset Branch” to sound/ read good on websites, but I refer to it as “Headquarters, Organized Crime, HDFC”.

Anyways, unable to bear with your pathetic Customer Service, being not in a position to explain every Tom, Dick and Harry, what assistance I need, and simply fed up with HDFC because no one can help me as it’s never “something you can take care of” (there’s always somebody else to address the concern and he/ she has not surfaced in 6 months!), AND more than all of these, not willing to pay huge penalties that arise due to your inability to solve a problem & you impose a fine everytime your kids need new school shoes, I chose to finally visit the “Headquarters”, and you wouldn’t believe, foreclosed the loan with credit card! *Sigh!*

That sounds pathetic even to read it, haan? I did it. Because, that’s how much I hate you now.

But, that’s not the point here, take a look at the letter below I received when I paid the total outstanding to foreclose the loan (yes, school shoes included).

Now, you tell me what do I do with this next ECS that’s referred to here. If I contact the branch, they will want a declaration from the “Headquarters” a.k.a Retail Asset Branch, with cancellation request.

While am not planning to deal with the “Headquarters” now, they gave me a letter that the loan is completely closed! AND STILL, you’re thinking of an ECS presentation.

The loan guy wants me to stop the ECS but the bank account guy won’t allow me to do it. For heaven’s sake, both are part of the same dumb organization!

Let me remind you again, immediately, that both these (the loan fellow and the bank fellow) are from HDFC. If you’re unable to stand on one word within your organization, imagine my plight to deal with HDFC and Reliance Capital in combination! By the way, if I have not mentioned already, they’re your tough competition for Customer Service; they rock as much as you do, but more on that later.

As I said, I don’t even have patience to explain all other such issues with HDFC. I understand you’ve charged me on my loan, as well as Savings account in the name of penalties because two divisions within your own organization don’t understand/ work with each other; but who can put a price on kids’ shoes, huh?

Thank you for all the attempts you did/ are making to address my concerns. Just to let you know the status: the reps who called me so far are useless; they ate up lot of my valuable time; and charged me heavy penalties on top of that.

I’ll pay for the uniforms too, could you please, please leave me alone?!!

Additional recommended reading: http://viveeonline.com/blog/?s=banking

 

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