Swagnideep Dhar, Senior Cluster Sales Manager at SBI General Insurance, has accused HDFC Bank of harassment after paying his total loan outstanding of ₹37,450 on 28th August 2025. Despite clearing dues, HDFC did not close his loan account and instead charged a penalty, citing issues with GPay payment through their own link. Published via Choice4Voice.com to highlight consumer struggles with HDFC Bank.
Note: If this issue is resolved, the concerned brand or the complainant may contact us at support@choice4voice.com. After proper verification, we will either update this article as “Resolved” or delete it, ensuring fairness to both parties.
Complaint Summary : HDFC Bank Charges Penalty Despite Loan Closure | Complaint by Swagnideep Dhar, SBI General Insurance Senior Cluster Sales Manager
| Detail | Information |
|---|---|
| Complainant Name | Swagnideep Dhar |
| Profession | Senior Cluster Sales Manager at SBI General Insurance |
| Company Involved | HDFC Bank |
| Issue | Loan not closed even after full repayment |
| Amount Paid | ₹37,450 |
| Date of Payment | 28th August 2025, around 2:30 PM |
| Payment Method | Through HDFC’s link via GPay |
| Problem Faced | Penalty charged despite full settlement |
| Customer ID | 43995630 |
| Original Post Source | LinkedIn Post by Swagnideep Dhar |
🚨 The Complaint in Detail
Swagnideep Dhar, a respected professional working as Senior Cluster Sales Manager at SBI General Insurance, raised a public complaint against HDFC Bank over unfair penalty charges despite clearing his loan dues in full.
According to Swagnideep:
- He cleared his total outstanding loan amount of ₹37,450 on 28th August 2025 at around 2:30 PM.
- Payment was made through HDFC’s official payment link using GPay.
- Despite this, HDFC did not close his loan account and instead levied penalty charges.
- To add to the harassment, the customer service officer questioned why he paid via their own GPay link, suggesting that he was at fault for using the provided option.
This situation has left the customer feeling cheated and unfairly penalized, as he followed the bank’s own process but was still harassed.
Involved – HDFC Bank
HDFC Bank, India’s largest private sector bank, has frequently faced consumer complaints about:
- Unresolved loan closures
- Hidden charges and penalties
- Customer service negligence
- Harassment of borrowers despite repayments
In this case, HDFC Bank’s refusal to acknowledge a valid loan closure payment raises serious concerns about consumer protection, banking transparency, and ethical practices.
About the Author
Swagnideep Dhar is a Senior Cluster Sales Manager at SBI General Insurance, with expertise in team development and insurance sales management.
He is an experienced professional who values fairness and transparency in financial dealings.
By raising his voice publicly, Swagnideep seeks to highlight how even educated professionals with a clear repayment record can be subjected to unjust treatment by financial institutions.
📢 Choice4Voice.com – Standing for Consumer Rights
This case is published by Choice4Voice.com, a consumer advocacy platform dedicated to highlighting unresolved complaints against brands.
Our mission is to ensure that customers like Swagnideep Dhar get justice and that banks and corporations are held accountable for negligence or harassment.
👉 If you have faced similar issues with HDFC Bank or any other financial institution, submit your complaint at Choice4Voice.com today.
Frequently Asked Questions (FAQ)
Q1. What is Swagnideep Dhar’s complaint against HDFC Bank?
A: He paid his loan in full but HDFC did not close the account and charged a penalty.
Q2. How much loan amount did he repay?
A: ₹37,450.
Q3. When did he make the repayment?
A: 28th August 2025 at around 2:30 PM.
Q4. What payment method was used?
A: GPay through HDFC’s official payment link.
Q5. Why did HDFC charge a penalty despite repayment?
A: According to customer service, payment via GPay link was questioned, which seems unreasonable.
Q6. What was the Customer ID of the complainant?
A: 43995630.
Q7. Did HDFC officially close his loan account?
A: No, the account remained open despite full settlement.
Q8. Is payment through GPay a valid repayment method for HDFC?
A: Yes, when done via the bank’s official link, it is valid.
Q9. What impact has this caused the customer?
A: Unnecessary harassment, penalty charges, and emotional stress.
Q10. What position does Swagnideep Dhar hold professionally?
A: Senior Cluster Sales Manager at SBI General Insurance.
Q11. Why is this complaint significant?
A: It highlights unfair banking practices and lack of accountability.
Q12. Has HDFC responded to the complaint?
A: As per the LinkedIn post, no proper resolution was given.
Q13. Can banks legally charge penalties after full repayment?
A: No, unless repayment is delayed or incomplete.
Q14. What should customers do if banks don’t close loan accounts after repayment?
A: Immediately raise a written complaint and escalate to RBI Ombudsman.
Q15. How common are such complaints against HDFC Bank?
A: Many consumers have reported penalties, hidden charges, and unresolved loan closures.
Q16. Can this affect Swagnideep’s CIBIL score?
A: Yes, if the loan remains open, it may wrongly affect his credit report.
Q17. Is Swagnideep at fault in this situation?
A: No, he followed the bank’s own process and paid on time.
Q18. What legal remedies are available?
A: He can approach the Banking Ombudsman or consumer court.
Q19. Does Choice4Voice.com help with banking complaints?
A: Yes, we publish such cases to create visibility and pressure banks to resolve.
Q20. Can other consumers raise similar complaints publicly?
A: Yes, anyone can submit their grievance at Choice4Voice.com.
Choice4Voice.com Is Here to Help You
If you are facing a similar issue and would like our support in highlighting your concern, we are here to assist.
Simply write a LinkedIn post and tag our official page Choice4Voice.com
Submit your complaint directly : https://choice4voice.com/submit-your-complaint/
Our team will review and feature your case on our website to ensure it gets the attention it deserves.
