HDFC Bank — refund issue, cancellation issue and service issues

Address: Kurukshetra

Dear sir/mam,

I, megha goel, refer to above and write to inform you that i want to file a complaint against hdfc life insurance co. My complaint credentials are as below:

1. I had applied for term plan of rs 1.50 cr on 09.07.2020. The premium amount of rs 96374/- has been remitted to the company on the same day i. E. On 09.07 2020 and my application no is[protected].
2. The company raised query for income proof, my correspondence address proof and ecs form on 11.07.2020. The reply to the query has been done on the very same day.
3. Again the company raised query for my income proof on 21.07.2020. I had already provided my 3 months pay slip but the company denied it as income proof. I then submitted my form 16 for the same purpose.
4. Then the company has mailed to me that the term plan of rs 1.00 cr has been accepted by the company on 23.07.2020 with premium amount of rs 70589/- and remaining amount of rs 25785/- will be refunded to my account.
5. After my acceptance, policy no 22748806 has been issued to me. Till date, i have neither received soft copy of the policy nor hard copy.
6. Then a message came from the company that my refund payment of rs 25785/- has been processed on 29.07.2020.
7. On 04.08.2020, i mailed to company that i have not received the refund amount in my account. The company replied that they had remitted the amount on 30.07.2020.
8. I had also mailed on 04.08.2020 to check where company had made payment as same had not received in my account?
9. Instead of inquiring at their end, they are still demanding statements from me. I have also given my account statement 2 times to the company but they are not serious about it.
10. On 08.08.2020, we received a mail from services deptt to provide utr no, date of debit, cheque no. Then i got surprised to see the mail what they are demanding from me.
11. After this mail, i have requested the company to cancel my policy as i had also got so much frustrated from such stupid inquiries.
12. It is pertinent to mention here that i have not received hard copy and soft copy till date i. E. 10.08.2020. Still this, on 10.08.2020, i received a mail that my look in period has completed and it is not possible to cancel my policy under look in period.
13. On 10.08.2020, mr. Kuldeep sharma, circle head of kurukshetra has talked to my husband mr. Ankush garg regarding these issues. He has assured that my refund amount will be credited to account on 10.08.2020.
14. I have not received payment, then i mailed on 11.08.2020 to mr. Kuldeep to look into the matter, then mr. Kuldeep has mailed that 'this is not my department. Donot make any mails to me.'
15. I have made many reminders to mr. Kuldeep and mr. Sunil narula (Branch head, kurukshetra branch) but they are not replying to my mails.

I think that the it is not a matter of concern for the company where the customer money is going on. As per company behaviour, it seems that fraud has been done with me by the co. I have also said them that i will move to court but nobody is there to care about it.

I request you to take the matter on priority and help me getting my refund amount quickly and also cancel my policy as soon as possible under free look in period as i have not received even soft copy or hard copy till date i. E. 11.08.2020. I also request you to take proper action for this harassment so that this does not happen again with another person.

Megha goel (Policy holder)