HDFC Bank Complaints & Reviews

getting continous calls from[protected] for credit card.

Dear Sir,
My name is Rakesh (Name changed), I applied for a Personal loan to HDFC bank due to very urgent requirement. I work for a consultancy named as ABC (name changed) but i am deputed at my client office which is a reputed Bank o[censored]SA & this is where i got a leaflet of HDFC bank with information about personal loan & a contact number of an agent named Dhanraj. With good hope i called the agent he took my details & he said he will callback. he called me back on 4th of august. Then he asked me to speak to his manager named Ashwini. I gave my Personal & Professional details very clearly to Ashwini. I told her that i Work for such and such consultancy and placed in such and such place, My take home salary is 25,000 per month , my total work experience is 21 months my designation is Technical Support Representative .
After listening to all the details Aswini said I can apply for the loan as i am Eligible. She asked me to submit few documents to the agent.
As i get my salary on 7th of every month i informed the agent that i will be able to give the latest salary slip after 7th of August. After this conversation even after telling that i will submit the documents the agent was calling almost on every day, which i thought a good customer service at least they remember their customer & concerned about them. The agent insists me to submit the document available on 7th of august i agreed and i met him on 7th i saw his HDFC ID card & submitted the documents i had. The agent asked me to sign on the application form & few other document like Loan Insurance & .Bank statement request form etc. I had trust as i saw the Bank ID card.
12th of August i got my Salary Slip for the month of July so i called the agent asked him to come & collect it. He came to a nearby place to my home & took the document. After waiting on 13th August whole day i called him on 14th August morning to ask the application status. He said he uploaded the document so the people from verification team will come on Monday to my home. On 14th August only someone called Salma called my referrals as they took one contact number of my relative in Bangalore & one banglorian local friend’s number. As per the agent information i took a day off from my office stayed at home just attend the bank verification agents. No body turned up on 16th of August. So in the evening of 16th August i called the agent & asked whether anybody will come today or not & i got a a 1st shock there when he said few documents are pending so my file came back to them so i have to submit my graduation certificate as i have less then 3 years of work experience. When i told this to Ashwini & asked why they wants this now as she did not tell me about this in the beginning when she knew that i have less than 3 years of work experience she started giving the medicine of Bank Policy & Procedure she said its bank procedure she can not do any thing she was not ready listen my concern. Any ways on 16th August only after finishing the conversation i scanned my Graduation Certificate & send it to Ashwini putting Dhanraj in CC.So on 17th I called the agent & asked whether he got my documents he said he will check & let me know. No update till afternoon i called back the agent in the evening & asked he said he got the documents & uploaded it so he tell me the status on 18th August. 18th August evening as usual i had to call the agent due to his consistency of not updating me on time. He said he will check with his manager & will get back to me. as expected he didn’t call me nor updated me with application status. So 19th morning again i called the agent but he said he has got no update i asked to speak to his manager but Ashwini did not come on the phone someone called Sultana who claims to be the Team Lead spoke to me & informed that as i have got less than 3years of work experience the application file not getting approval. And when asked what does that mean does that mean i will not get any loan Sultana said no i will get the Loan but it will take time as she has sent my application file to the Delhi Head Office for some kind of Waver, So she will get the update on 24th of August & accordingly she will update me. As i did not have any other option i agreed to her. (This is my 1st ever attempt to get a Loan i never ever applied for any kind of Loan).On 24th August with consistency no update till afternoon i had to callback. Spoke to Sultana she said the Head office in Delhi are not working as its a Holiday Rakhsa Bandhan. Again i agreed &.When i asked when can i get any update she said on 26th August when i asked why not on 25th she said 24th is holiday for her office so she won’t be working nor her team. Again i agreed as i still had faith on them. 25th as expected no callback i called back again in the afternoon again got disappointed as she was unable to give any update straight away she said she is waiting for the update from the head office so will let me know on 26th. this line is expected so again i called back Sultana i asked her about the status she said the file is still with head office & waver has not been given yet & as its month end Sultana asked me to wait till next month that is September2010. Now already i was running thin on patience when i asked her why this is happening isnt there any proper policy in place by the Bank she said its banks policy only. When i asked on what basis she is asking me to wait till September rudely she replied that this is Bank's Policy & if i can not wait then i can go to other banks for Loan & she will drop my file. As i am in urgent need of this loan i had listen to her but after disconnecting the phone line i realized what ever is happening is not Right. They are performing a foul practice so i called HDFC customer Care team spoke to Pramod in Loan support team thanks to him that he made me understand the procedure he said that no matter what the status of the Loan Application once i submit all the documents to agent the agent has to login & upload it & i will get a reference number a message on my phone but unfortunetly i have not got any kind of Message from HDFC bank. This was really shocking for me as signed on few documents & gave to the agent not sure what he is going to with it. So thought of putting it across the HDFC higher authority team.
Sir you won’t realize how important this Loan was for me. I told my Father the same i got to know that i am eligible for applying this loan as i knew that i have every thing in place & have all the documents required by the bank & assumed that will get the Loan. To be honest now i am not able to talk to my father properly due to Shame. I am really frustrated & disappointed. I am broken completely. This was my first ever attempt to get a Loan which turned out to be a Blunder.
Sir right now i have no hope of getting a loan but what i want or rather request you is to take STRICT Action against the employees who deceived me for days and purpose fully cheated me. Who are very unprofessional don’t deserve to be in a Bank. Sir I would be very much disappointed if no action taken against these people. Please take this as my humble request. If require i will take it further but really do want these kind of people making fool out of people. Bellow i am mentioning the details about the employees who I spoke to in HDFCBank.
And one more thing I would like to mention here is that I never got a answer from any of the above mentioned persons on the first call I kept them calling many time in fact I send them messages also but no reply. For your information i called the agent only for exactly 84time to get updates. so there is 84 calls made to Dhanraj only. You can check my cell phone details. One more request i want all my documents back please if loan application has not been processed. As I am really in scared to think what could happen with those document with my signature on it.

Agent Name - Dhanraj
Contact Number - [protected]

Dhanraj Manager's Name - Aswhini
Contact Number - [protected]

Dhanraj's TL Name - Sultana
Contact Number - [protected]

Verification Agent - Salma
Contact Number - [protected]

This is about the case of how HDFC personal loan department mistreated and humilated me and ruthlessly rejected my application.

HDFC Personal Loans is one of the most pathetic form of loans offering division in the world. They have no sense of responsibility towards their customers well being. They are nothing but money hoarding, ruthless people. I applied for a personal loan from HDFC and their executive who came to my home was a mindless who, despite of having the documentation proving of my residential status rejected the case stating that I stay somewhere else. When documents provided by me include a passport that has been prepared only after the police have verified that I stay in the current location. This rejected my application as he felt I was staying at a different location.
The fact that I am undergoing a divorce and I am currently with my parents home and have been here for the last one year was asked to me a million times and I was subjected to supreme humiliation. Even after explain this situation the credit office decides to reject the loan. I am on the verge of crying and I request them to reconsider and the credit manager Ms Manisha Patil rudely answers on the phone that ‘let the applicant cry I don’t care’.

All this for an amount as meager as 4 lac ruppes. I eventually pledged my jewelry and obtained a loan of the same amount within a day from Reliance Consumer Finance. A loan which after a 15 day processing period was reject on absolutely rubbish grounds by HDFC.

After rejecting my loan the credit manager calls, to humiliate me further by asking about my divorce and then tell me my loan is rejected.

I would request that such credit officers be dealt with appropriately, who think they are Gods and can treat people in need as worthless individuals.

Regards,
Annanya Gokhale

I've courier a letter to HDFC ERGO on 11/08/2010 from Ghaziabad to Andheri, Mumbai for the cancellation of my insurance plan and when i called on their customer support, they told that they didn't receive any courier, they said for any your quick cancellation, please fax the letter again, i request you to please rectify this

Consignment No.:[protected]
Courier Name : Blazeflash

Hi,

This is vikas singh using your hdfc bank credit card from the last 2 years. I was paying my installment of credit card on time but due to some financial problem i am not able to pay due amount on time that's why I made a call in your customer care and told him about the settlement of credit card. This month I have a balance of 3800 in my debit card when I checked out it . It was deducted from from my account. yet I have inform about the settlement to your representative. still at the time I have not got the settlement amount. If the thing is going on same then I am informing you that I will not pay any financial charges or charges on my credit card amount.

So I am requesting to you please inform me about my settlement amount as soon as possible on my mail ID or mobile number. and plz send some hard copy proof like NOC of my payment on my email ID . I am very thankful to you for this.

NAME- vikas singh
credit card No, - [protected]
address- v.p.o- ghanetta. teh- palampur, distt- kangra (H.P) pin- 176060

Thanks and regards
vikas singh

sir,
my self rajkumari verma, i had taken hdfc credit card which was issued against the FD. regullarly i am making payment to the card .
now the problem is bank is regularly hassaring me over the phone for the payment and telling that i had not made any payment and deposit.
but as par the credit card statement it is shown that in the payment recieved colume that this much of the amount is recieved.
bank is telling that they do not consider the refund amount as payment recieved and saying that u have to make the payment.kindly help
thanking you

Dear Concerns,

Before availing the loan the customer care executives were pleased and they are nice. Once the loan is taken, they treat us like a dog.

Venkatraman and Sharanya in ITC Building, Chennai has misbehaved and replied rude when i have visited their office for reducing my house loan interest.

Saw the same behaviour with velachery branch as well. So be-careful while selecting this bank for loan.

Regards,
Meeran

I completely agree with this complaint.
I was offered a Trading A/c and was told that only 1 time 750/- will be charge and then it will be free for lifetime.
Recently, I came to know that they have deducted 550/- for Demat A/c.
When I called care centre (which is also buggy like the bank), I was told that Demat A/c gets opened along with Trading A/c and Demat is charged 550/- yearly as maintenance charge.
Such details was never told to me by HDFC executive. He simply told that you can pay one time 750/- and keep this a/c for lifetime free. The charges will be decuted only when you do buy/sell of shares.

I thought, only HDFC credit card executives are fraud, but the same is true for the demat a/c executive.
As a bank HDFC might be average, but never trust their representative, who ask you to open a/c or take credit card. I have multiple bad experiences.
Beware of HDFC.

To
HDFC Bank LTD.
H.R Dept. Block No. 8, Ground Floor
Ambika Mills Compound Senapati Bapat Marg,
Lower Parel, Mumbai- 400013

Dear Sir/ Madam

Sub: To relies my one month salary and full and final settlement.

I am vikas kumar aggarwal employee code CV14191 was an employee in Rani Bagh Branch New delhi

as a Contract Sales Executive


Sir, I Have not received my termination latter from my Sales manager Mr. Rajat choudhary

but I have Still not Able to get my Salary for the period of above Mentioned date that is

from July 2010.

Sir, My Basic Salary Was Rs-6000 & Rs-2500 a Conveyance Allowance and Total of Rs-8500/- per
month. And my salary A/C is [protected]

sir, i am living in rented house, i have many liabilities, sir end of the month my sales

manager told me that you are terminated and your salary coming after 45 days but i am not

confirm that i am terminated or not because of i have not received termination letter,
i am married person. Please understand my problem. i am very worried about that.

it would be very difficult for me to manage my family expansive
now i am requesting you to release my one month salary and remaining amount of provident fund.
Please Please Please do the needful as soon as possible.



Thanks & Regards

vikas kumar aggarwal
Contract Sales Executive
Employee code CV14191
Branch Code 1565
Mob. [protected]
email id: [protected]@gmail.com

My Account have been restricted from depositing cash at non home branch and also cash withdrawl from cheque from non-home branch. I have copy of letter given by branch that this shall not be followed in future, yet till now i am suffering from same.
I have many a times got rejected from depositing cash at non-home branch, and on asking why, they say i have to talk to my home branch. When i go to my branch, the executive informs me that such is due to not much transaction in my account, and suggested me to take some products of HDFC, like credit card or mutual fund.
Since CBS is a free service by bank and Bank cannot force a customer to take any product, which shall constitute a defect in service under Consumer Act.

The act on behalf of Bank shows lack of concern for a customer who is 7 years, maintaining AQB, have been regular, been harassed to take product of bank.

This does not only ask for immediate reformin service but compensation for mental agony faced for irresponsible act ot Bank and sheer fustration caused by denial of basic banking service.

The officer in default should be immediately held accountable.

I have started my redressal with RBI against this act of bank, and since the false claim by branch in letter has just been to fool consumer.

This overall act shows lack of HDFC BANK's concern for marginal account holder.

Kindly help me to resolve the problem First the bank was not agree to settle the account and when it was settled bank is not follwing it.

Sub: Regarding Credit Card No [protected] on the name of Roopak Gupta.

Sir/Madam

I want to let you know that the excess Rs.12, 039 amounts is debited in the account of Roopak Gupta as per the settlement agreement.

The Credit card no [protected] is settled with the bank on Dt 22/06/2009 in 40000/- Rs and I issued eight cheque’s for the settlement .As per the settlement schedule I made the payments .The cheque’s which are Dishonored in the bank I make the payment in cash. But according to my bank statements some cheque’s are not presented in the bank. But some the HDFC executives are compelling me to give payment in cash ( saying that the cheque’s are bounce) again. I requested him to handover my cheque’s and take money in cash they failed to do so. The amount is directly debited in my account (Balance + Excess) when I was out of the country for training.

I want refund of the excess amount and my cheques or stop payment request and the full and final settlement letter on my corresponding address as early as possible.

When I contact with the branch they are not giving any response.

I have the Proof of settlement and the account statement with me.
Yours Truly

Roopak Gupta
Mob: [protected]

I have platinum plus credit card of HDFC Bank with last digit 9539. I have got the brochure from them and there was offer of getting 15% discount on base fare from INDIGO airline and 10% discount on domestic flight booking from yatra.com. Which interpreted like 15% on base fare from INDIGO and 10% on total fare from yatra.com.

I have booked two air ticked on yatra.com and entered the required promo code. But company has not given me the discount.

I have talked to customer care number of the HDFC Credit card[protected] on 16th august at 10.55 am, and Ms. Pooja, Ms. Trupti had tried to explain that the discount will not be available as the discount is on base fare and not on total fair even though it was clearly mention on the broucher that 10% discount on domestic flight booking. Also when i talked to them on customer care number as mention above they said that they will revert back to me on the same issue within 48 hours ( told by floor manager - Mr. Archit) . When i contacted them today ie 20th august at 11.20 am then Mr. Ashutosh told me that its not possible to give me reply and the discount. He said that i should go to website and get the term and condition before booking and you should not rely on the brouchers. I want to complain that why should they sending the brouchers for misleading. I have the credit card of other company where i was getting 5% flat discount which i have lost because of HDFCswrong offer.

I need to get my discount.I request you to take up the matter and oblige.

my mail id is [protected]@yahoo.com
Thanks and regards.
Manish Jain
[protected]

I hold a S/B account with HDFC bank since Dec 2005, reg for DND since Apr 2006-27 . I have complained bank multiple times I do not want any promotional calls . I have complained to Director/ chairman Aditya Puri/Tejali Mhatre , they assure me every time i will not receive call but still i do !! every day while i eat, drink, sleep, drive !!! HDFC bank the only one !! I have sent legal notices but bank has not bothered . Bank does not adhere to any rules laid down by TRAI and RBI about privacy of customer. No values , no commitments .

i do not want any loan, credit card,pl, insurance from HDFC bank

I have suffered a lot and wish to punish these people at any cost

Amit [protected]

Dear Sir,

My Credit card no. is [protected] has already been renwed for the period of March 2010 to April 2013 but hasn't been activated yet by the bank which is not appreciable and is showing negative aspect of this bank.

Kindly activate my credit card as soon as possible to use the services.

sir i have given a request for car loan for 2 lac rs in HDFC bank HALL Bazar RS towers branch..Mr Mohit gupta was handling my file..as i applied it on 13th of august i.e last friday and i was told that they will sanction me loan in 2 days..till yesterday Mohit was telling me you can take the car today..and when i reached the bank he asked me for some more documents...but this was his duty to tell me about all the documents required for loan at the begining..and when i asked him for the same...he had heated arguments with me....he talked to me very rude...as i am also a employee of their sister concern company i.e HDFC Standard life insurance co. i am feeling very harrased as my home is almost 50 km from amritsar..kindly see the matter....i am giving the no.of mr mohit gupta...[protected]..

your's faithfully
Gurpreet Singh
[protected]..

My p.f.amount not released,how can i withdraw my p.f.amount.

MY P.F.ACCOUNT NO.-91439.

MY EMP.CODE-A14845

MY E.MAIL ADDRESS-ajaykumar.[protected]@gmail.com

MY MOB.NO.[protected]

I have written to the customer service dept of HDFC as i was treated very badly in recent times and have received this mail as a response towards that! I would like to clarify certain things on my part as well. Let me just try to explain the REASON for me writing this mail as you seem to be completely UNAWARE of it!! As you have written below, i will just make your statements bold to make you understand....

(We observe from our records that your card account is currently overdue. We request you to effect a payment of the overlimit amount (Rs.10969.64) to regularize and make your card account available for further usage. )

I have been asking HDFC (Ms.Suman, Manager) to kindly CLOSE my credit card and trying to ask you for FINAL SETTLEMENT. I am really surprised that even after this request being in your records, you want me to make payment so that my card a/c can be regularized and made available for further usage?????

I had written earlier too stating that i was VERY UPSET with the way you guys treated this matter.... No where in the mail trail do i EVER SEE YOU APOLOGIZING for the same....

The card is issued in my name:
I am responsible for making the payments and have been doing so in the past too....
I have given my residential address in your records.

But no where have i EVER mentioned my maiden name, family details, contact nos or my parents name for that matter. But you seem to have all the details... Upon asking, you never have any answer for that. How can you associate a third person with regard to this card (in this case being my parents)??????

Your customer service representatives have been calling up on my parents cell and landline nos left right and center......They have disclosed my father's A/C details to my husband stating " HIS A/C IS LINKED TO YOUR CARD, HENCE WE WILL CHARGE HIM!!" There is simply no privacy being maintained...
My father is unable to work in office as he is just left attending calls from HDFC the whole day long!!!
Upon arguing, the representatives said " SAARA KHAANDAAN HI HARAAMI HAI"!!!!!!!

Is this the sort of treatment one should be expecting from your bank???

You print the CODE OF CONDUCT behind all letters that you send to me, but where is it being followed??? There is not even a single clause that you follow.....

-You would be contacted at the place of your choice and in the absence of any specified place of your residence, at the place of business/occupation.
- Identity and authority to represent would be made known to you in the first instance.
- Your Privacy would be respected.
-Interaction with you would be in a civil manner.
- Normally our representatives will contact you b/w 0700 hours.
- Your requests to avoid calls at a particular time or place would be honored as far as possible.
- Time, number of calls and contents of conversation would be documented.
- All assistance would be given to resolve disputes or differences regarding dues in a mutually acceptable and orderly manner.
- During visits to your place for dues collection, decency and decorum would be maintained.

Even after me telling you guys repeatedly NOT TO CALL MY PARENTS as they are simply not involved is not understood by you.

You seem to have every possible detail that may or may not be required by you, but you do not have a complete statement which shows the total payment that i have made towards the card till date??????

Am really surprised on the way you guys function. Your guy calls me up and says
" REPAYMENT KI AUKAAT NAHI HAI TOH LOAN KYUN LETE HO??"
" AAPNE TO CAR LOAN BHI LIYA HUA HAI..."

FYI, i have already closed the car loan a/c in my name and the funds were not given by your employees or you as a bank. I made a complete payment, so it would not be in the right sense to question my repayment capabilities!!!

And let me just add another line for you all...

If people like me stopped taking loans from banks like you, i see no way your bank functioning normally and giving out salaries to these ill mouthed CSR's that you have hired!!!

Bank: HDFC
Branch: Margao
Account Number [protected]
My details: Yeshwant Shet Talaulikar
Mahalaxminagar Talaulim Ponda Goa
[protected]

Hello experts,

I am a customer of HDFC Bank Holding an saving Account from September 2008. I am using my card for my daily transaction through ATM or Online banking. Today (16 Aug, 2010) while checking my bank statement online I have noticed that somehow my 1500.00 has been deducted from my account. Statement shows that Money has been withdrawn from ATM (CODE: NWD-[protected]-KOLHAPUR) even when card is with me all the time. and i was Home(Ponda) and for work(Verna IE) on same day. That means somebody using my duplicate card to access my account

I need your advise how to track this issue, can it be bank fault or its a 3 party froud or its a mistake by bank. I have already logged complaint to HDFC bank. How may i claim my money back ?

Thanks in advance
Yeshwant Talaulikar

Hello,

I had applied a personal Loan with HDFC Bank Ltd and they had taken the necessary documents and cheques.
Later i learnt that the loan has not been approved and i asked them to return my cheques but till date they have not done so and neither their executive ms INDU whose ph no. is [protected] gives any feedback nor picks up the phone.
moreover all my cheques taken were blank favouring HDFC Bank, since the amount eligible was not confirmed during submission of documents.
i need youe kind intervention for return of my cheques so that there is not any misuse of the cheques by any of the bank staff.

Regards,

B.N.V.RAO
PH No: +91 [protected]

I want to complaint some staff member of HDFC bank,who misbehave with me. i had taken a car loan by HDFC bank.my car loan number is 13456489,i have already payed 22 EMI and due to some financial problem i was unable to pay 3 EMI till august, then a collection manager mr.sushil singh came to my house and without informing anyone he broke out in my house and broke the glass of my car and pull it by crane.i dont like his behaviour at all.I have already complaint in court and police station and HDFC bank for misbehaving.I kindly request you to take some quick action againt these people.in .for your help i am giving proper details of their staff member,their name are sushil singh, amit and yogesh,staff of HDFC bank agra sanjay palace. mobile number of sushil singh is [protected] and amit's number is [protected].please grant my complaint and take some action

thanking you,


yours faithfully
PRADEEP KUMAR JAIN.