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Submit your complaint →Sonu Kumar Ray shares his troubling experience with HDFC Bank regarding the Jumbo Loan foreclosure process. Despite repeated attempts, he received no proper guidance, highlighting a lack of customer support. Choice4Voice.com publishes this complaint to amplify his voice and demand accountability.
Complaint Summary : HDFC Bank Loan Foreclosure Issue – Complaint by Sonu Kumar Ray
| Complaint By | Sonu Kumar Ray – Senior Associate at Cognizant (Ex-Accenture, Ex-Capgemini) |
|---|---|
| Brand Involved | HDFC Bank – Jumbo Loan & Credit Card Division |
| Issue Highlighted | Lack of support and unclear process for Jumbo Loan foreclosure |
| Complaint Date | Shared publicly on LinkedIn (1 week ago) |
| Current Status | Pending – Awaiting HDFC Bank’s response |
| Original Post URL | View Complaint on LinkedIn |
Author of the Complaint – Sonu Kumar Ray
Sonu Kumar Ray, a seasoned IT professional currently working as a Senior Associate at Cognizant with prior experience at Accenture and Capgemini, raised his grievance publicly on LinkedIn. His expertise includes SCCM, Intune, Patch Management, ServiceNow, and Windows Server Administration. Despite his professional background, he found himself struggling with something that should have been straightforward closing a Jumbo Loan with HDFC Bank.
Complaint Details Against HDFC Bank
Sonu initiated a Jumbo Loan foreclosure request with HDFC Bank. Instead of receiving clear guidance on repayment, he was forced to run from one support channel to another.
Key Concerns Raised:
- No clear instructions on how to complete the foreclosure payment.
- Lack of guidance and communication despite repeated follow-ups.
- For a reputed financial institution like HDFC Bank, such an experience reflects poorly on customer care standards.
- Customers expect seamless and transparent processes, especially while clearing dues.
Sonu rightly highlighted that customer support is not only about resolving issues but also ensuring customers don’t feel helpless while fulfilling their financial obligations.
Brand Involved – HDFC Bank
HDFC Bank is one of India’s leading private sector banks, widely known for its credit card, personal loan, and retail banking services. However, cases like this show that when customer support fails, even reputed institutions lose the trust of their valued customers.
For financial services, transparency and timely resolution are essential. Loan foreclosure should be a simple process, but this case shows that even basic support is missing.
Choice4Voice.com’s Role
At Choice4Voice.com, we are committed to amplifying genuine consumer grievances so they reach the right decision-makers. Our goal is to ensure that no customer complaint is ignored.
📌 If you are facing similar issues with HDFC Bank or any other brand, you can:
- Publish your experience on LinkedIn and tag our official Choice4Voice.com page. We will feature your case for wider visibility.
- Or, directly submit your complaint through our website: Submit Your Complaint Here
✅ If HDFC Bank resolves this issue, we will update this article with a “Resolved” Note to ensure fairness.
Frequently Asked Questions (FAQs)
1. What is a Jumbo Loan with HDFC Bank?
A Jumbo Loan is a type of personal loan offered by HDFC Bank, usually linked to credit cards, allowing large borrowing limits with flexible repayment options.
2. How can I foreclose my Jumbo Loan in HDFC Bank?
Customers need to request foreclosure through HDFC’s official support channels, either via net banking, customer care, or branch visit. However, as highlighted in this case, the lack of clarity is a major issue.
3. How long does HDFC Bank take to process a foreclosure request?
Generally, foreclosure requests should be completed within 5–7 working days if documents and payments are in order.
4. Why do customers face issues in loan foreclosure with HDFC?
The most common issues include unclear procedures, miscommunication by staff, and delays in processing.
5. What should I do if HDFC Bank does not resolve my complaint?
You can escalate the issue to:
- HDFC Bank’s Grievance Redressal Officer
- Banking Ombudsman (RBI) if no resolution within 30 days
6. Can I raise my complaint on Choice4Voice.com?
Yes. Choice4Voice.com helps consumers by publishing genuine complaints to build awareness and pressure companies to resolve them.
7. Does HDFC Bank charge foreclosure fees for Jumbo Loans?
Yes, foreclosure charges may apply depending on loan terms. Customers should confirm the exact charges in writing before proceeding.
8. What rights do customers have when banks delay foreclosure?
Under RBI guidelines, banks are required to provide clear, transparent, and timely service. Customers can approach higher authorities if banks fail to comply.
9. How can I track my HDFC foreclosure request?
Customers can track their request via NetBanking > Loans > Loan Enquiry > Status or by calling customer care.
10. Can I submit evidence of poor customer support?
Yes, always keep written communication, screenshots, and receipts. These help in escalations and complaint submissions.
Final Note
This case highlights a serious gap in customer service at HDFC Bank. When even educated professionals face harassment while simply trying to close a loan, it raises questions about how ordinary customers manage such situations.
At Choice4Voice.com, we believe no consumer should feel helpless. By bringing such cases into the public domain, we ensure greater accountability and better customer service standards.
📌 If you have faced a similar issue with HDFC Bank, share your story with us today: Submit Your Complaint
