HDFC Bank Complaints & Reviews

Dated: 03.10.2010



Sub: Complaint Against HDFC Bank Credit Card Division

Reference : HDFC CREDIT CARD NO: [protected].



Dear Sir,


I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card, my credit limit was Rs.2, 38, 000/- and after that Bank has revised and reduced the Credit Limit from Rs.2, 38, 000/- to Rs.1, 77, 000/-. I have used my Credit Limit and I have already paid Rs.2, 77, 371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.

On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.

If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that, I have made excess payment against my used amount.

Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife, not only that, they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately, otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.

Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me, Is it a Reputed Bank ???

My Credit Limit was Rs.1, 77, 000/- and I have paid Rs.2, 77, 371/-. If my intention was bad then, why I will make the payment for Rs.2, 77, 371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???

Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.

Thanks with Regards,

Manas Ray Chaudhury
Bhopal.

NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)

[protected]Mr. Sunil, Mr. Dubey [protected])

centurion bank — mis use of ATM

SIR I have applied for ATM card before 3 month but i have not received ATM CARD . However 1000 Rs has been drawn by new ATM card WHICH I have not received yet.

centurion bank — pension amount not yet received

MY EMPLOYEE NUMBER IS EMP1959.I AM AN ERSTWHILE EMPLOYEE OF CENTURION BANK. I HAVE FILED THE RELATED PAPER IN THE 1ST WEEK OF JAN 2009.WHILE I HAVE RECEIVED THE PF AMOUNT, THE PENSION AMOUNT IS STILL PENDING PAYMENT.REPORTEDLY THE WORKSHEETS HAVE BEEN PREPARED AS FAR BACK AS 1ST WEEK OF APRIL. BUT SOFAR I HEVE NOT RECEIVED THE PENSION AMOUNT. MY A/C no IS 9681 . I.O.B. PUDUR BRANCH AT MADURAI..KINDLY LOOK IN TO THE MATTER AND EXPEDITE PAYMENT. KARTIK.

centurion bank — personal loan

Dear sir/madam,

I have a salary/saving account in centurion bank A/C no-[protected].I had opt a personal loan agaist my salary account of RS 25, 000/= for the period of 01 year and the same i pay to bank through monthly installment within 01 year.as per cibil report says that RS 6000/= still i need to pay centurion bank as i have cleared all the installment.

You are requested kindly update the records in cibil .com sight.

Sambhaji Limhan
[protected]

centurion bank — loan repayment

From,
A.A.UDAYABHANU & SHEEJA UDAYABHANU
23/1730
THARAYIL HOUSE , PALLURUTHY
KOCHI - 682006



I had taken a loan from your bank worth rupees32000/-, on 23/200 we have already given you 33 cheque leaf of FEDERAL BANK ,PALLURUTHY BRANCH , to realized the amount from our account .But unfortunately it was reported that the entire cheque leaf and other documents has been washed away due to TSUNAMI attack. Even after I have continued the remittance through your agent. And obtained receipts and under my safe custody .the deciles of receipts number dated amount remitted ect. He is given here under,.

Even after the completion remittance of loan taken included the interest you have note return back R.c Book and switch key. Now it has reported that the amount has not been remitted please see that I shall ready to produce the Photostat copy of receipts of closing payment on your request. Please see my bajaj c.d deluxe re no: kl - 7 /6217. Is free from old debts taken from your bank. Please don’t make unnecessary trouble to me sending messages for remittance of loan and its interest. You’re all hearted supported to be solitude.

Now aim absolutely require a new loan worth rupees 35000/- .kindly help me. Sanctioning the loan.

I had also GIVEN SOME OTHER loans from your bank this has also been completely remittance.

Iam working as a tax consultant . my working purpose I take this vehicles. So please co- operative with me .

i think u should complain to the hdfc bank via mail and phone, these finance agents should be taught a lesson. Even my relative was charged for the cancellation, in our case the loan was rejected by the bank without giving us any genuine reason and still they dared to charge us rs 3000, when we told them that we will complaint to the police station, they refunded the full amount, but later on i heard that they deducted the amount from the executives salary. really beggars

why consumer should bear for the fault of dsa.

different cars have different discounts, i think it is common sense... 90% of the car cost sums up to a certain amount, and when discount is deducted from the car cost..that same 90% ends up being more than 90% funding on the car cost after discount, hence the loan amount reduces in ur case 83% of the original car cost and 90% after discount.
Bank have a policy to give max 90% loan...except few cases..so i think its a fair deal..and discount on the car does make a difference...

Thanks :)

i had booked a car from this dsa rgs 4wheel world (chembur) and gave the documents for the loan application through them to hdfc bank, they process my loan and they take 1 a cheque in there name as telling 1st EMI and as per HDFC statement we need to pay 1 EMI in advance (other then above cheque) and rest 35 in Installment.Please do the needful.

HDFC Bank — Loss of DD

1. It is indeed very unfortunate that I have to begin my letter by stating that the last few days of my experience with HDFC Bank has been utterly disappointing despite your bank holding a high status among our armed forces fraternity. I would like to bring out certain facts for your kind attention so that interest of a customer like me remains in good stead and your banks reputation remains intact.

2. On 07 Oct 2009, I had made a DD of Rs 3,40,700/- (Rupees Three Lacs Fourty Thousand Seven Hundred Only) from Sec-18 Noida Branch of ICICI Bank.

3. The DD was deposited by me personally in the account of one builder) at HDFC Bank in Noida Sec-18 on 07 Oct 2009.

4. For some apparent reason unknown to me, the DD was deposited in the said account and thereafter withdrawn without credit. The bank statement mentions the same. So far after almost a month, the money has not been credited to the said account for reasons best known to HDFC bank. My effort to find out the reason for this delay has gone in vain as I have been getting conflicting information from the HDFC bank.

5. This DD was a part of the payment I was supposed to make to the builder to confirm my allotment of a dwelling unit. The lapse on the part of HDFC has not only hurt me financially but also caused me undue harassment for no fault of mine. I am within my rights to know what happened to the DD made out of my money and deposited personally by me as I am very much the affected party.

6. I sincerely hope that you would look into this matter at the earliest and give a favourable disposal to my concern. In case, if my concern is not addressed I will find myself in a difficult position of filing an FIR against HDFC as well as approach the Consumer court.

I completly agree with your valuable insight. I too am a victim of HDFC_SLIC

I totally agree with your comment regarding HDFC standard life as they are Ranked 1 cheater in mis selling of policies and ill treatment of the funds paid in their plans.

Due to a typo error in DOB online policy, the policy is not given yet

Due to a typo error in DOB online policy, the policy is not given yet, even though DOB proofs are submitted 1.5 months back. We have done the medical and paied the premium emi too Proposal No.: 17250458

i have paid instalments on my car regularily iwant to conform my latest payment and pending instalments

Sir,

Sub: Car Loan Schedule yet not received Loanc A/c No.152 88 318.

I, Have taken financial assitance from HDFC Bank for the purchase of Honda city Car (Loan A/c No. is[protected] EMI payamnt being paid for Rs. 17, 345/- every month .inspite of several tughch to your Bnk, i have yet not received the Loan Schedule, it required urgently for our accounts financial year 2009-10 and further.

kindly provide as most urgent

E-mail : priya.communication.[protected]@gmail.com

PROVAS KUMAR GHOSH
[protected]

SIR MY CAR LOAN NO 16292921 . SIR MERE ECS P N B KE HAI OR ME 2 MONTH SE PARESAN HUN KIUKI GURGAON BARCH WALE AB BHAR KI BARANCH KA PAISA JAMA NAHI HKARTE. JISKE KARAN MERI ECS BAUNS HO RAHI HAI . ME CHATA HUN KI MERI ECS AB CORPRATION BANK SE LAGE.

Dear Sir,

I have HDFC Debit card. I had blocked my ATM card and account also.kindly check & arrange to RESET the password and unblock the debit card as soon as possible.

Name - JAVED KHAN J
Mob No:[protected]
My A/C No-[protected]
My Cus Id: 33499433
Branch - Avadi (TN)
Mail id: [protected]@yahoo.com

hi, i don't have a specific complaint as of yet. BUT CAN SOMEBODY PLEASE HELP ME OUT? PLEASE?!..A FRIEND OF MINE does have an HDFC CREDIT CARD as well as an HDFC SALARY ACCOUNT. since there was no payment made on the card except for the last but one month, they have HELD THE SALARY..no one's giving me a right solution..NO ANSWER AT THE BANGALORE COLLECTION DEPT..DOES ANYBODY KNOW THE SOLUTION..IF YES..PLEASE CALL ME OR MAIL ME..
CELL:[protected] BANGALORE
EMAIL:[protected]@gmail.com

hi, i don't have a specific complaint as of yet. BUT CAN SOMEBODY PLEASE HELP ME OUT? PLEASE?!..A FRIEND OF MINE does have an HDFC CREDIT CARD as well as an HDFC SALARY ACCOUNT. since there was no payment made on the card except for the last but one month, they have HELD THE SALARY..no one's giving me a right solution..NO ANSWER AT THE Delhi COLLECTION DEPT..DOES ANYBODY KNOW THE SOLUTION..IF YES..PLEASE CALL ME OR MAIL ME..
CELL:[protected]

HDFC Credit Card — salary A/C. has been held.

Respected sir/Mem,

I have my salary A/C. in HDFC Bank my A/C. No. is [protected] and they relased me credit card against it, I have paid amount time to time but last four month I lost my job due to recession recently i have joind MNC company, I got first salary on 30 sept. 2009, without any pre intimation it has been locked by HDFC .
Before it they have sent me setttalment letter on 27 aug. 2009 because of my job was not started at that time I was unable to pay first two installments , but now i m able to pay this tree installment up to 15 Oct. 2009.

But due to hold my whole salary I m unable to give food and medicines to my family, please help me.


Thanks n Best Regards,
Ashutosh Tiwari,
M192, Vyas nagar, ujjain,
Mob. [protected], [protected], [protected]

Dear Mr. Murty



It seems absolute zero response. Be happy with 5395/-. Now, I will not write any mail to you. But I learn a lesson.. NO RALATIONSHIP with HDFC in FUTURE. Reviews has been posted on websites with BLOGS and media circular.



Thanks

-Niraj



------- Original Message-------
Sender: HDFC Bank Credit Cards Support<customerservices.[protected]@hdfcbank.com>
Date: May 21, 2010 17:43 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr. Raj,

This is in continuation to our earlier email dated 18.05.2010 and your subsequent conversation with our Service Manager, Mr. Sumit Gupta regarding your HDFC bank credit card account.

Upon receipt of your email, we have again taken a detailed review and we wish to reiterate that we were not in receipt of any request for blocking your credit card. You may recall that the same was clarified in your conversation during April'10. Hence, we had communicated liability towards the credit card dues.

Owing to non payments since August'09 statement, applicable bank charges were levied and the card account was invalidated from further usage on 14.12.2009. Further, lien was marked on your savings bank account under due intimation and an amount of Rs.5395.00 was debited on 30.04.2010. We regret our inability to accede to your request to settle the card account basis the aforesaid lien claimed.

We understand that you wish to arrive at an amicable settlement towards your card outstanding. We request you to contact our bank officers at:[protected]/43161513 for any further assistance / clarification that you may require in this regard.

Mr. Raj, we wish to inform that your card account is invalidated from further usage and there is an outstanding of Rs.23147.44 payable post the lien invoked as on date.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.

Assuring you of our best attention at all times.

Regards,


Rajeswari Jayasekar
Asst Vice President - Service Quality
Credit Cards
------- Original Message-------
Sender: NIRAJ RAJ
Date: May 15, 2010 15:28 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr. Murty



As mentioned in mail, I have tried contacting you bank officers at[protected]. The time is 3:43.



Again the perfect example of pathetic customer service. No body has picked up the phone. Is it a Customer Care or phone has been fixed at somebody's home?



This is absolute rediculous response and customer satisfaction commitment. Now, I will not call any where.



One more thing, this is not the fresh settlement. Its your bank's fault that they didn't block the card. I was ready to pay the amount since I donot want any bad credit history with the bank. But you have already deducted 5395 from my a/c and hence consider the same as settlement amount and provide me the NOC.

Kindly look into my grievances: My credit limit was 15000/-. For someone else's purchase, I have already charged and paid Rs. 5395/-. which is almost the 45% of the credit limit. Now, I am not in condition of paying a single amount. I am just expecting this much favour from HDFC in order to continue the relationship. Also, hoping that this time some officials will pay attention to the same.



I am very polite to HDFC and expecting a positive response. Charging extra charges over and above the credit limit and then taking unleu advantage of a customer will not raise the appreciation of HDFC. Rather HDFC need to support the dissatisfied customer's for appreciation and good relationship ever after.



Hope your Bank people will understand the meaning of a satisfied customer. If you are assuring for the best attention then prove it. Assurance is not enough for customer satisfation. Where Best is expected better is not good enough.



- Niraj Raj

[protected]

Customer ID: 35174935

A/c No: [protected]



------- Original Message-------
Sender: HDFC Bank Credit Cards Support<customerservices.[protected]@hdfcbank.com>
Date: May 14, 2010 17:56 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr. Raj,

This is further to your recent email dated 11.05.2010 regarding your HDFC bank credit card account.
W are hopeful you will agree that the bank has been responding to your queries with promptness and due diligence. You may also recall that we had clarified your earlier queries vide our responses dated 23.04.10, 28.04.10, 30.04.10, 05.05.10 and 10.05.10 respectively.
As communicated earlier, we reaffirm that owing to non receipt of any payments since August'09 statement, applicable bank charges were levied and the card account was invalidated from further usage on 14.12.2009. Subsequently, we were constrained to place a lien on your savings bank account, under due intimation to you. In view of the same, an amount of Rs.5395.00 was debited on 30.04.2010.
Mr. Raj, we wish to inform that your card account is invalidated from further usage and there is an outstanding of Rs.23147.44 payable post the lien invoked as on date. In the event, you wish to arrive at a fresh settlement, we request you to contact our bank officers at:[protected]/43161513 for any further assistance / clarification that you may require in this regard.
In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.
Assuring you of our best attention at all times.
Regards,
Rajeswari Jayasekar
Asst Vice President - Service Quality
Credit Cards

------- Original Message-------
Sender: NIRAJ RAJ
Date: May 13, 2010 16:31 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute


Dear Mr Murty



Very much dissappointment and a bad experience in relationship with HDFC.



I am looking out for settlement and now your bank has already debited 5395 from mty a/c and cheated me. Kindly close this issue as I am not able to pay a single more paisa to HDFC.



Looking for your support on this.



Regards

-Niraj Raj

------- Original Message-------
Sender: NIRAJ RAJ

Date: May 11, 2010 15:31 (GMT+05:00)
Title: Fwd: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr. Murty



Its of no use mailing to you. Getting the same revert again and again means no listening to the concern of a customer. Again this is to reitrate that you guys are taking no care of your customer. If you all are taking it as granted. No issues. Now, I will not pay a single amount. Lets leave the issues for life long. Debiting 6000 rs from my a/c will not make HDFC a priority banking organization. Leave the case as it is. I have no use in doing the settlement.



Thanks a ton



-Niraj Raj



------- Original Message-------
Sender: HDFC Bank Credit Cards Support<customerservices.[protected]@hdfcbank.com>
Date: May 10, 2010 18:21 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr. Raj,

This is further to your recent email dated 06.05.2010 regarding your HDFC bank credit card account.
As communicated in our earlier responses, we reaffirm that our records do not indicate any request received for blocking your credit card account. Owing to non receipt of payments since August'09 statement, applicable bank charges were levied and the card account was invalidated from further usage during December'09. In view of the same, the outstanding stood payable by you. Subsequently, we were constrained to place a lien on your savings bank account and an amount of Rs.5395.00 was debited on 30.04.2010.
Mr. Raj, we wish to inform that your card account is invalidated from further usage and there is an outstanding of Rs.23147.44 payable post the lien invoked as on date. We request you to contact our bank officers at:[protected]/43161513 for any further assistance / clarification that you may require in this regard.
In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.
Assuring you of our best attention at all times.
Regards,
Rajeswari Jayasekar
Asst Vice President - Service Quality
Credit Cards

------- Original Message-------
Sender: NIRAJ RAJ
Date: May 06, 2010 17:18 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr. Murty



The same stands as it is as it was. Nothing needfull has been done from your side. I am still explaining my grievancec to HDFC.



My communication is pending with Ms. Monika from grievances cell..



Kindly intervene and do the needfull..



Regards

-Niraj Raj

[protected]




------- Original Message-------
Sender: HDFC Bank Credit Cards Support<customerservices.[protected]@hdfcbank.com>
Date: May 05, 2010 18:49 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr. Raj,

This is further to your recent email dated 30.04.2010 and subsequent conversation with our bank representatives regarding your HDFC bank credit card account.
We are sure you will understand that the bank has been responding to your queries with promptness and due diligence. You may also recall that we had clarified your earlier queries vide our response dated 23.04.10, 28.04.10 and 30.04.10 respectively.
As apprised in our previous communications, we reiterate that we were not in receipt of any payment towards your card account since August 2009 statements. Hence, applicable bank charges were levied and the card account was invalidated from further usage on 14.12.2009. As explained in the card usage guide, the outstanding on the card account stands immediately payable upon invalidation of the card account. Owing to non payments, we were constrained to place a lien on your savings bank account, under due intimation to you. In view of the same, an amount of Rs.5395.00 was debited on 30.04.2010. Further, our records do not indicate any request received during December'08 for blocking your card account.
Mr. Raj, we wish to inform that your card account is invalidated from further usage and there is an outstanding of Rs.23147.44 payable post the lien invoked as on date. We request you to contact our bank officer, Ms. Ruby Anand at: [protected] for any further assistance / clarification that you may require in this regard.
In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.
Assuring you of our best attention at all times.
Regards,
Rajeswari Jayasekar
Asst Vice President - Service Quality
Credit Cards


------- Original Message-------
Sender: NIRAJ RAJ
Date: Apr 30, 2010 19:13 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute


Dear Managing Directors of HDFC



This is the height of everything. Earlier the amount was showing in my A/c in hold status but this time it is not even in my a/c. The entire amount has been debited from my a/c.



CAN ANY BODY LISTEN TO ME. ITS HEIGHT OF CUSTOMER FRUSTRATION OUT OF YOUR POOR CUSTOMER SERVICE.


A LIITLE IGNORANCE OF YOUR BANK REPRESENTATIVE IS COSTING ME MY REPUTATION, MY STENGHT AND MY MONEY. THIS IS ALL BECAUSE OF YOUR POOR CUSTOMER SERVICE.



LOOKING FORWARD TO SEE MY AMOUNT IN MY ACCOUNT. HOPE YOU WILL HELP ME.



-NIRAJ RAJ

[protected]


------- Original Message-------
Sender: NIRAJ RAJ
Date: Apr 30, 2010 19:03 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute


Dear Mr. Murty



Surprised, the same response again and again but no resolution. My communication is still under pending with Mr. Sumit and Mr. Mr.Amrik Hundal.



Kindly intervene and get the issue resolved. This is the height of repeated mail each and every time.



One more thing, every time one or other manager calls me up and listen to the entire story. Then after a mail drops into my Email A/c stating the same copy and paste thing.



Kindly look into this as I am in a big trouble now. It seems the issue stands unresolved without your active support on this.



I donot want the things to be escalated to this level but probably you can understand the situation. In one approval of yours the case will get closed. But I am not able to understand that why it is taking this much time..



Seeking for some fruitful response from your end.



Managing Directors: Kindly intervene.



Regards

-Niraj Raj

[protected]

------- Original Message-------
Sender: HDFC Bank Credit Cards Support<customerservices.[protected]@hdfcbank.com>
Date: Apr 30, 2010 18:06 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr.Raj,

This is further to your recent email dated 28/04/2010 regarding hold on funds placed on your HDFC bank savings account.
As mentioned in our earlier communication, we once again wish to inform you that we were not in receipt of any payment towards your card account since August 2009 statements. Hence, applicable bank charges were levied and the card account was invalidated from further usage on 14/12/2009. Hence, we were constrained to place a lien on your savings bank account. In the absence of any positive revert/payment, we shall be constrained to invoke the amount from your bank account.
We would like to reaffirm that your card account has been invalidated from further usage and there is an outstanding of Rs.28121.07 as on date on your card account. Mr.Raj, we request you to contact our bank representatives at :[protected] / 43161513 for any further assistance / clarification that you may require in this regard.
In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.
Assuring you of our best attention at all times.
Regards,
Rajeswari Jayasekar
Asst. Vice President
Service Quality - Credit Cards

------- Original Message-------
Sender: NIRAJ RAJ
Date: Apr 28, 2010 19:35 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr. Murty



It seems, you are reading my mail only. The revert I am getting is not at all expected from person sitting at VP rank in reputed organization like HDFC.



My apology if I am hurting Mr./Ms Rajeswari Jayasekar in any ways.


Can you please suggest me, the difference between the the continuous conversation mentioned in trail mail. I am telling you the difference:

1. Being in customer satisfaction, HDFC believes in copying and pasting the mail. While as per you, you are making me believe on a typical langauge "Bhad me jao".

2. At this poing of time, I am really feeling disgusted and ashamed on myself in building a relationship with HDFC.



Every time, I have noticed that the mail came to me after 48 hrs of revert without keeping the CC person in loop. Are you guys aware of this?



Sir, I can't make you trust on my words. But probably this is the situation any customer would face.



Further to continue, this is to bring into your notice that, My conversation with service manager, Mr.Amrik Hundal is still not done. He committed me for a call back within 24 hrs with updates. Waiting for his call as he seems helping to me.



This is just to reitrate that my grievances are not been taken care till the time. I am not liable to pay a single amount to you guys, but I am ready for the conversation. This is just because, I donot want a bad credit with HDFC.



Why the problem getting this much time for the resolution?



Would request you to look into this and help a customer of yours.



Regards

-Niraj Raj

[protected]


------- Original Message-------
Sender: HDFC Bank Credit Cards Support<customerservices.[protected]@hdfcbank.com>
Date: Apr 28, 2010 17:46 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr.Raj,

This is further to your recent email dated 24/04/2010 and subsequent conversation with our service manager, Mr.Amrik Hundal regarding hold on funds placed on your HDFC bank savings account.
As mentioned in our earlier communication, we once again wish to inform you that owing to continued non receipt of payments towards your card account since August 2009 statements, applicable bank charges were levied and the card account was invalidated from further usage on 14/12/2009. As you may be aware, the outstanding on your card account stands immediately payable upon invalidation.Hence, we were constrained to place a lien on your savings bank account. In the absence of any positive revert/payment, we shall be constrained to invoke the amount from your bank account.
Further, we understand from the conversation with Mr.Hundal, that you intend to amicably settle your credit card dues. We wish to clarify that settlements are offered on the basis of prevailing outstanding on the card account and the same is as per the discretion of the Bank and as per bank terms only.
There is an outstanding of Rs.28121.07 as on date on your card account. Mr.Raj, we request you to contact our bank representatives at :[protected] / 43161513 for any further assistance / clarification that you may require in this regard.
In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.
Assuring you of our best attention at all times.
Regards,
Rajeswari Jayasekar
Asst. Vice President
Service Quality - Credit Cards


________________________________________________________________________________...⇄



Dear Mr./Ms. Rajeswari Jayasekar



Can I expect a reply from your side. Kindly release the amount. I am in a big trouble. We can discuss on this. Its not the right way to treat with a customer.



I believe the words would be taken care by you. Also, if possible, I want to fix an appointment with you in person. Let me see the details of the purchases. Also, would like to see what HDFC did against my issue.



Big name like HDFC doing such things is unexpected.



Mr. Srinivas: Kindly look into this.



Niraj Raj

[protected]

Customer ID: 35174935



------- Original Message-------

Sender: Niraj Raj,
Date: Apr 24, 2010 18:44 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute

Dear Mr./Ms. Rajeswari Jayasekar



I am pleased to get revert from an Asst vice President of HDFC. It seems the issues is taken care seriously but its not the reality. I would request you to please check once again for the issue.



If you can, then please check for a call recording during the period of Dec-08~Apr-09. I have informed your bankers to close my credit card after I did the last payment and closed all dues. I am sorry to say but I am unable to recall any of the details of my payments. Now, all balls are in your court. I belief the words of yours but as a customer you can understand my situation. For someone else's puchase, I should not pay. On the other hand I was forced to pay.



How can I made you belief that I had put a request of closing of my credit card. Also, I have come to know many instances wherein the request is not taken care of over phone banking. This is also to inform you that I did not get any communication call of settlement from your side.



Also, this is to confirm that the I have not received any of the communication or notice as such regarding credit card.



It was not the good response of your telephone bankers to talk. Atleast my experience was not satisfactory.



Kindly look into this so that the issue can be resolved. The relationship is easy to build but difficult to maintain.



Your dissatisfied customer

- Niraj Raj

[protected]

Customer ID: 35174935

A/c No: [protected]



------- Original Message-------
Sender: HDFC Bank Credit Cards Support<customerservices.[protected]@hdfcbank.com>
Date: Apr 23, 2010 18:06 (GMT+05:00)
Title: RE:'HBL=[protected]' Credit Card Dispute



Dear Mr.Raj,



This is further to your recent email dated 20/04/2010 and subsequent conversation with our bank manager, Ms.Ruchi Walia regarding hold on funds placed on your HDFC bank savings account.
Upon receipt of your email, we had taken a detailed review of your card account and wish to share our findings with you. We observe from our records that your card account was issued on 22/10/2007.
Specific to repayment, we observe from our records that we were not in receipt of any payments towards your card account since August 2009 statements. In view of the same, applicable bank charges were levied and your card account was subsequently invalidated from further usage on 14/12/2009. As you may be aware, the outstanding on your card account stands immediately payable upon invalidation.
Further, our records do not indicate any communication from your end regarding the loss of your credit card.
We invite your attention to our card usage guide where it is clearly mentioned that the Bank, at any time and without notice, will have a right of lien and set off on all monies belonging to the card member standing to their credit in any account whatsoever with the bank or in the possession or custody of the bank. Accordingly, a lien has been placed on your savings bank account with an appropriate notice being sent to your mailing address as per the bank records. In the absence of any positive revert/payment, we shall be constrained to invoke the amount from your bank account.
Mr.Raj, we request you to contact our bank representatives at :[protected] / 43161513 for any further assistance / clarification that you may require in this regard. We wish to clarify that settlements are offered on the basis of prevailing outstanding on the card account and the same is as per the discretion of the Bank and as per bank terms only.
In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.
Assuring you of our best attention at all times.
Regards,
Rajeswari Jayasekar
Asst. Vice President
Service Quality - Credit Cards
________________________________________________________________________________...⇄
Hi


To whomsoever it may concern!

This is to bring into your notice that I am a customer with HDFC. Customer ID: 35174935. It is a salary account.

The dispute starts with credit card which I was holding 3 years back. I am sorry to provide you the transaction details as the case is very old. As far as I remember, the case study is as follows:

1) I was holding a credit card for which the details cannot be furnished. (Customer with HDFC bank 3 yrs back).

2) I cleared all outstanding on my account in last quarter of 2007. Within one month my card had been stolen and hence placed a request for blocking my card permanently.

3) After 2 yrs, I got a call from your CC department about my outstanding on my said card, which was unexpected and not bearable.

4) Now, when I enquired with HDFC CCC for the same, they told me for non-registration of any calls from my side for the block of my card.

My Issues:

1) Due to the negligence of your CCC representative, I got a bad mark on my card. Which leads to future problem.

2) Just because of Banker's negligence, I am loosing my brain and peace. [clear case of mental harassment]

3) I got INR 5445/- hold in my newly opened salary account without any prior intimation to me. [clear case of monitory harassment]

4) As per CC department, total 26000/- is due on my card. I am now loosing my head like anything. I am a working professional and hence cannot work with these situation.


The irresponsibility of your resource I am facing many problem. Also, as a customer I am feeling cheated. Despite of call to CC for the block of services on my card, I have been informed that I had not made any call on such issue. This is your's person fault not mine that he didn't tag the call. I wish, I could have the call recording however I am sure you must have.


Now, since I donot remember the exact dates. I know I will be held responsible for your negligence. I want the money released from hold within 48 hrs of this mail as it was for my urgent needs.


Also, Credit Card department has no right to block my account. In case they can they have to first speak with me. I am having the same number and contact. With holding 5445/- you will be loosing a corporate customer, and I will be loosing nothing but the way to consumer court to seek help.


Released of my 5445/- will make me to discuss further. Else consumer court is ready to help me.


Your dissatisfied customer



- Niraj Raj

[protected]

Customer ID: 35174935

A/c No: [protected]

I have the same complaint. I have also been mislead my Ms. Archita Biswas of HDFC Bank. She doesnot respond to customer queries and is abusive.

I had settled my credit card account in Feb 2010, and paid two cheques amounting to Rs. 14, 000. Only Rs. 2000 and some change was agreed upon by HDFC representative to be waived off, which they had charged as interest.

I chased the HDFC representative to give me a letter of closure, and submitted my credit card. The credit card was closed, but they kept adding interest to the Rs.2000 change.

Suddenly I got a letter from HDFC bank that they are going to deduct Rs, 18, 000 from my salary account, which was a new account. I contacted Ms Archita, and all she did was abused and didnt answer her calls.


And one fine day they deducted 19, 000 without giving any notice!!

What is going on???HDFC BANK IS ON A SPREE TO LOOT CUSTOMERS and as employees they have appointed uneducated, unethical people, who dont know their job.

Madhu Dhelia

HDFC Bank — ID proof at the time of cash withdrawal

Sir,
My SB A/c No.[protected] at HDFC Bank Vijay Nagar Jabalpur. I send self cheque No.100164 sum of Rs.10000/- dated 05.06.2013 for withdrawal by the my sub employee but bank asking his ID Proof & contact No. kindly clear the any guideline by HDFC Bank or RBI.

This HDFC bank is chunk they are nonsense. There is really no RBI norms. As such. Today I went for cast withdrawal to HDFC bank and they told they will charge 3 rupee for 1000 rupee withdrawal. Being a beneficiary why they should charge me? Is there any RBI norm or its banks money making policy. These banks are already started charging lot things for each services they are providing. Why Mr. Modi is asking for opening Bank account. I would prefer to keep cash if I have to face such a pain in . I would recommend go to ICICI bank they are better service provider than HDFC.

28.10.2009

The Manager
HDFC Credit Card Division


Ref:- Credit Card No. [protected]

Sub:- Regarding Wrong Presentation of Cheque/Payment

Sir/Madam,

With reference to above said credit card number I want to inform your goodself that I got my credit card bill for the month of Oct.2009. In this bill on 03.10.2009 you had credited my a/c by Rs.1043/- and same day debited Rs.1043/- and imposed Rs.330.90 for payment return fee. Yet I had not given that cheque.

After seeing that bill I called at customer care and asked about that payment and they told me that I had given a cheque no.507885 of rs. 1043/- of HDFC Bank Ltd. I was shocked to hear that cheque number because that cheque I was dropped in drop box of HDFC bank Credit card tow years back (i.e.on 2.10.2007) against my bill of August 2007 and which were misplaced at your end at that time and then I called customer care. They advised be to drop another cheque. Hence I drop other cheque with Oct2007 month bill.

I don’t know how a bank can present a two year back cheque in current date. It is just like cheating with customer. Even I closed my HDFC bank Saving a/c on 18/03/2009 and remaining all cheques were destroyed by your bank representative before close of this a/c. As this a/c were closed so that abovesaid cheque were not cleared. This is not a matter of Rs.[protected] amount but it’s a serious offence to present a two year old cheque in current date.

Please look into the matter at the earliest and clarify me how this can happen by a reputed bank with its customers.

Thanking You.

Yours Truly,


(Shamit Goel)
H.No.-440, Sector-7B
Faridabad
Haryana
Mob:-[protected]

Beware of HDFC Bank and i herewith suggest you to close account immediately

I too am victimised by HDFC

I have taken the homeloan from HDFC ambernath Rs.110000 @ 9.25% for construction bangalowin may 2008.But now interest is reduced up to 8.25 for latest. But they are giving me the amount same interest rate @9.25.My loan is floting.
So please guide me & take neccessary action.

I am immensely happy and grateful for your service

Personal Loan — return EMI

Dear Sir,

with ref. to the above my personal loan a/c no.15559526 I have already paid your Loan A/c as per your Executive get amout. in Nov.2010 amount details is
cash rs.570 & DD of rs.20700 total amt.21270. but your bank dedected my EMI so PLEASED RETURN MY EMI WITH INTEREST AND MY POST DT.CHEQUE.

RAHUL KAWADE
[protected]

Personal Loan — Regarding personal loan

I Pudi SrinivasKumar was taken a personel loan in Hsbc bank Asilmetta Branch visakhapatnam on[protected] and upto[protected] i have paid the instalements regarly.After that the bank has stopped collecting the instalement due to some court orders raised by the Government on Personel loans and I have not received any information about the status of my personel loan.Recentily some private organisation named EMRON Securtues pvt Ltd approched me and ask me to clear the loan taken from Hsbc.Iam ready to clear the loan and I asked the said private organisation to get a letter from Hsbc about the loan clearance or any other authorisation to collect the loan on behalf of Hsbc to the said organisation.But till today they have not approched me with the information.I approched Hsbc bank regarding Emron securities pvt ltd.But they said they are not given any authorisation for collection of loans.I talked with the Manager Hsbc by phone regarding the loan payment.He told me to pay the amount to above mentioned agency only.But without having proper authorsationand information from the bank I dont want to pay to the private agency.And also Iam here to inform you that delay in repayment is due legal problems of the bank only.So Iam no way affected with the delay in payment.Recentily I approched a bank for car loan they are stating that my name is kept as a defaulter consumer loan in cibil report.Even though the delay is completely bank legal problem and it affected my financial status and kept me as a defaulter in cibil report.
So Iam here to request you to go through the facts and remove my name in cibil report.Iam ready to clear the loan amount only through proper channel to the bank.

thanking you,
P.SRINIVASKUMAR
MY mail id is pudi.srinivas.[protected]@gmail.com

Credit Card — Hold of salary account

due to insurance of bajaj allianz which is forced on my credit card account which is not confirmed by me which i will send the scaned copy of Bajaj Allianz policy on which the confirmation no is different. and my mobile no is [protected]. they have hold my salary account. and torchering me i have send them many emails about this issue also the scanned copy of the policy. now i want to charged them very heavily to know what a common man can do. please cahrge them 1000000/- ten lakhs.


please have a mercy on common people so that we are not suffered.

now the picture is very clear that this is not mynumber and i told them to release my saving account. they are not responding.


please reply with the solution.


SACHIN RANE

Margao, Goa
PH: [protected]

HDFC Credit Card — salary hold in my account

i have comlain alredy my complaint no [protected] complaint date is 7/4/10 and 10/4/10 but till now no anser pl do need full urently