HDFC Bank Complaints & Reviews

Sir,
I have misplaced the envelope containing my user name & password which was given to me for operating my savings account number [protected] through net banking . I therefore request you to kindly activate my net banking by providing me with another user name & password. The same may be sent to the following address :
# 409 , SECTOR 09
R K PURAM ,
NEW DELHI 110022.
Thanking you
VINEETH R.

I have availed two plot loans from Centurian Bank of Punjab, Mysore 3 years back, the said bank has been taken over by HDFC Bank. While sanctioning the loans I have been given at market rate of interest rates and they also pushed me to AVIVA insurance policy offering further 0.5% on discount on interest?.

To nightmare I understood, that I have been sanctioned the loan under 'Business Category' i/o Salaried person under NRI category, which I was never aware of. HDFC Bank is pushing me to provide fresh cheques and increased EMI etc., Curently I have been paying @ 13% though the market rates and again the rates from the same bank ranges between 8.75 ~ 9%.

After checking with the bank the concerned sales person has made a mistake to get a quick sanction of the loan mentioned as Business Category, which is none of my mistake.

Since this a part of Centurian Bank of Punjab loans, the HDFC Home Finance does't support any of the querries and I need to rely on HDFC Bank for any querries and their response very poor...............

Is there way can I get a solution to get charg at market rates or at par with the rates with HDFC Bank on housing loans?

My loan number are 91184382 & 91104304

Dear Miss.Mary Lopez
Customer Service Officer,

With regards it is to bring under your kind notice that I have sent you 2 mail regarding nuisance calls from[protected],I received a call from this number on 11/09/09 at 5.03 pm on my number at Bangalore[protected]though I am not a a credit card holder of your Bank&I never had an account of your bank in spite of I have been served with a notice from your Bank in the name of Mr.Suhas Joshi,whom I never happened to know!I cant understand why am I being targeted by your bank?why your bank is sending legal notice to my shop for Mr.Suhas Joshi whom I don't know at all!I hope this time you will remove all my records from your data base where we are no way related to Mr.Suhas Joshi at all.
Mr.KVS.Hebbar.
23404416
Dear Miss.Mary Lopez
Customer Service Officer,

With regards it is to bring under your kind notice that I have sent you 2 mail regarding nuisance calls from[protected],I received a call from this number on 11/09/09 at 5.03 pm on my number at Bangalore[protected]though I am not a Credit Card holder of your Bank&I never had an account of your bank in spite of I have been served with a notice from your Bank in the name of Mr.Suhas Joshi,whom I never happened to know!I cant understand why am I being targeted by your bank?why your bank is sending legal notice to my shop for Mr.Suhas Joshi whom I dont know at all!I hope this time you will remove all my records from your data base where we are no way related to Mr.Suhas Joshi at all.
Mr.KVS.Hebbar.
23404416

I, Hardik Patel was the employee of HDFC BANK LTD, Ahmedabd. I joined this organisation on 1st january,2009 in the team of Ankit Mahadevia (SALES MANAGER) and Abhishek Sarin (AREA SALES HEAD) as Contract Sales Executive. (Liabilities group)
Emp. Code : CH02734 Joining Date:[protected] Appointment Letter Date:[protected]

Abhishek Sarin told me that you join the system from the very first day and your employee code come in 20 to 25 days. I started my business from the very first day and my boss given my business to another my coligue, and told me that when your code will come he give your business back.

After 1 month he told me that your salary approval for 11500 not accepted by higer authority. then he submitted my joining kit to salary account department. but after 20 days they told me your code was not generated by higher authority.

After that my boss told me now you are in not my team you are in another AREA SALES HEAD named SIDDHARTH DAS. Then i meet him and he promised me that i give you code in 15 days and i also give you full salary.But after another 1 month he give me my appointment letter for the salary of 8500p.m..

And also told that I am giving you the salary of current month not last 3 months. I told him that if you are not giving me last 3 months salary i don't want to continue in your organisation. Then i went to ABHISHEK SARIN and told the whole metter but he was not intrested to do something for me, so i told that i complained about you and SIDDHARTH DAS so he told me that you do onething first you open the salary account on the basis of appointment letter and give me the account number. I arranged something and giving you the salary but till date nothing would be credited. I ofently called him up for my salary but he told me all time next month your salary would be credited. but from last 15 days he didn't pick up my phon.


please do something for me.

I am in trouble and i need the money.

Hi,
I have Value Plus Visa Card of HDFC Credit Card which I have never used or swapper a single penny ever but bank has issued me a notice of Rs.11783.05 and when I approached the contact person in notice Ms. Swati Nigam, she is not ready to hear my any words and only replied that when you take the service then you shall pay the whole amount and I can't give you any details regarding swapping or any more and after that I approached to customer care of HDFC Credit Card Division and he only replied me that I have noted your complaint and noted my mobile no. also and said the collection team approached you within 24/48 hours but no one can approached me yet. Please help me to out the situation.

Sir,

My Self Atul Verma

I am HDFC BANK credit card customer. I am holding this card since last one year. Initially bank gave me Silver card of there bank and after some time bank upgraded my card to Gold credit card and I believe that because of my good credit history.
I made my last payment of 20,000 in july with alldues cleared.

I purchased some item in August, That's the amount which is still pending

Because there is some outstanding on my card an HDFC bank recovery representative keep calling me for the same. I told them i will pay the amount next month with late fees and other charges
and bank have full right to that.

Now sir, situation that, recovery representative keep calling me and harassing me mentally as i am a Defaulter. As I had already request them but,they do not understand. Now they keeping calling me in odd hours and sending the recovery agent at my residence in absence of me after office timing. This kind of attitude makes me mentally harassed and I am mentally disturbed. Because of this kind of bank attitude my family life is disturbed.

A Person named Sumit from HDFC BANK recovery department office at Rajouri Garden New Delhi, called at my residence talk to my mother in harsh way. His mobile number is [protected].
He keep calling from the same number and from[protected].

2nd MAIL --

To
The Head / Manager / Mg Sales
HDFC STANDARD Life Insurance Co Ltd
[protected]@hdfcinsurance.com
Mumbai
Sub. : Issuance of No Objection Certificate.

Sirs

This is to request you that I am an agent of your company, I have taken licence on 17/10/2007 which is valid till 16/10/2010. Due to certain aforesaid reasons I don't want to work for your company anymore. I have taken agency from Sikar(Rajasthan) and have talked two-three times to the higher authority of Sikar Branch to give me NOC and also sent u mail before 7 days but they are not listening to my plea as well as they are saying if I give RS 1000 then only they will issued/given me NOC, so finally I am bound to tell you.
So, please give me NOC as soon as possible. The CC has also been mailed to [protected]@irda.gov.in . My details are as follows.

Insurer : HDFC Standard Life Insurance Co Ltd,Sikar(Raj)
Name : Sandeep Pareek
DOB. : 1/1/1981
F' Name : Mahendra.
Ag Lic. No.[protected]
Email : [protected]@yahoo.com

Please look into the matter soon.

Thanking You

Yours faithfully
Sandeep Pareek
Ag Lic. No :[protected]

I have availed person loan from HDFC bank in July -2003 amounting to Rs. 1 lacs. I was regularly paying EMI but I lost my job in jan 2004 onwards and I was unemployed for next 6 months. In Oct-2005, I settled the amount with bank of my pending amount to Rs. 22,000/- through their DSA/ Agent. And i have been given cash receipt.

Few days back I applied for an AUTO LOAN and I came to know that my name is in negative database of CIBIL and on enquiring the same I came to know that there is still outstanding against Personal Loan a/c of Rs. 42,000 with HDFC Bank. I visited to HDFC bank, ITO 2nd Floor Branch and met Mr Rishabh Jain and narrated him all the story. He asked for that cash receipt but unfortunately after 4 years I didn’t have receipt with me as I shifted to other place. He advised me to settle the amount. After showing him my real circumstances and agent dealing with me he advised me to deposit Rs. 26000 (Rupees Twenty Six thousand only) against full and final settlement. This time I requested him to give me the letter assuring that the bank will issue me NOC and request letter to CIBIL for the removal of my name from negative data base. He issued me the letter same date for settlement, and I have given him cheque of Rs. 26000/- against full and final settlement against the disputed amount and the same has been cleared from my account on 1st sept-09. Although I already settled it but due to non-availability of receipt, I could not argued on the same. i have received the account closure letter from hdfc bank too.

Now i have settled the said amount with the bank despite that BANK is not liable to remove my name from NEGATIVE / DEFAULTER from CIBIL LIST. On contacting bank advised me to approach directly to CIBIL for removal of my name. Note that bank had already written off my outstanding (which in no case was on my account) but they are smart enough to put my name in negative data base list of CIBIL. but when it comes to removal nothing has been done in this matter. i cannot avail any kind of loan forever despite clearing my outstanding dues. if such kind of regulations are in process then soon court and such organisation rules the people of India. However, i requested by mail to CIBIL authority to look into the matter and i hope so if some solution will come into picture.

Another interesting story i have come to know that if someone else taken loan BY FRAUD in your name then its not him, your name will be suffer for long life in the NEGATIVE DATABASE OF CIBIL LIST. Sin is done by someone and you have to pay for life long. What a law and regulations!!!!!

any solutions
MUKESH

Dear Sir/Madam

My name is Jithesh Nair and I have Trading and Demat account with Hdfc Securities. On successful logging into hdfcsec.com sometime during August 2009, I was forced to change my password- which I did successfully. Ever since the password change I was not able to login to my securities account.

For finding out more on this I contacted HDFC Securities Customer support representative and mentioned my problem and checked with them the procudure for changing my address and password reset on August 17th 2009. I along with my subsequent mail to the customer support team sent across my scanned copied of my Passport, drivers licence, voter Id etc to enable them to make changes to my Address.

Since then I have been sending mails to them on a regular basis with little or no response from their side. I had to make arrangement for meeting my family financial emergencies through sale of my stocks.

I am surprised and dont know what to do inorder to resolve this problem, I have also been trying to get in touch with some responsible person at HDFC Securities but their site does not have any details pertaining to managing customer grievance.

I thought this would be the best forum to address my problem, Hope someone takes a look at it and initiate necessary actions.

Thanks and Regards

Jithesh Nair

Hold my saving a/cs funds by HDFC
Hold my Salary a/c funds by HDFC
Hdfc Salary account no [protected] got hold my funds by hdfc credit card division.

Hi Indian Consumer Forum.

My HDFC salary account no [protected] has been locked by HDFC creadit card division.all my accounts funds goes on hold. I am not able to do any transaction.

I called lot of times to credit card division of HDFC bank, but they are not responding & not gave me right information.they are misguide me.

They have applied lot o[censored]nusual amount on my credit card, lot of finance & services charges.

I am getting in Problem for my daily transaction.

They applied me 47000/ rs amount, but I have used only 40% amount of credit card.

Please help me regarding release my funds,which is hold by hdfc credit card cell.

Regards,
Pankaj Sharma
Sales Head,
Amar Ujala Publications ltd.
Dharamshala,HP
[protected], [protected]

last year in march 08 there were some unknown amount /transaction appeared on my monthly statement, for which i asked the proof of voucher and HDFC reversed those transaction as they were not having any proof. Then they reissued me a new card wihout asking me and charged me for that in next statement which i never paid.
Then after six month the same charges again appeared on my monthly stetment without any preinformation to me. when i asked agin for proof they dint provided the proof and concontinued to charge the finance charges. which was really a shock to me. they neither proided me the proof. HDFC customer service is very irresponsible they do not handle the cases in a professional manner they never care whats customers frustation but they just use the words which have been tought to them. i called them lot of time that the charges are incorrect and provide me the proof then i can pay but they were just deaf to listen / understand my request .i was just asking for proof and never got the same Then after 5 months i asked them to block my card. and till today they are continuing to charging me the finance charges + late fee every month they send the statement even after the card is fully blocked. Kindly help me for this

I had been the employee of HDFC Bank ltd for past 5 yrs & I have resigned recently from the company last month.Before leaving the organisation I had vested my espos allotted to me by the company.I exercised my remaining 300 shares under organisations scheme ESOP 2007 at grant price 630.60 in the month of july'09.While applying I was informed by bank system by default about the exact amount for the purchase of share including FBT amount that was of total amount Rs.227265 including FBT amount of Rs.38085.

Now When I was credited with my shares in my account bank is asking for funding of my salary account with amount of Rs. 37000 more for direct debit towards the recovery of tax on perquisite.
My query is to clarify & to understand the concept of prequisite tax as even after paying FBT why am I suppose to pay additional perqusite tax as well.
Please confirm whether I am suppose to actually pay this perquisite tax over an above FBT or not.

Hi,

This is Rakhi Mukherjee, from Kolkata. Nowadays I am facing a big problem regarding my HDFC credit card account. Actually I have taken a Credit Card from HDFC back last year. I was using the card as well as making the payment for the same till FEB'09. But on FEB'09 I went to Mumbai due to some official work. While moving to Mumbai I lost my purse on the train itself, but I didn’t know where it has been lost. The credit card along with the Official I Card and few documents also lost. After that I have forwarded a mail to HDFC bank stating the current status, didn’t get a single reply from them. Even if I didn’t get a single collection or reminder call from their collection department. I was thinking also to make a settlement of the account as it was really getting a headache. But suddenly on this month (i.e. SEP'09) I was supposed to withdraw my salary from my salary account on 7th SEP'09, co-incidentally it was a also an account from HDFC. But when I checked my salary it was showing pending in Ledger Balance. Then I have confirmed from my office that my salary has been processed from them and from my office I have been informed that may be due to some banking issue its getting delay in crediting. After two day crossed, seeing that I am not able to withdraw my salary, I called up phone banking of HDFC. I have been informed that it may be a Credit Card holding but they would call me up within 24 HRS with the relevant reason. After getting No Response from them after 24HRS I went to my HDFC branch.They also were not able to clarify me the reason also committed to call me back within a span of time. On the same day I got a call from my Branch at 8:30pm stating that "it may be a Credit Card holding, as they also don’t know the reason for the same". Also they asked me to contact with their Credit Card department. I have done the same very next day. I went their Credit card section at Gilender House, Dalhousi, Kolkata-1. They confirmed that it is a Credit Card holding has been done by them only as I had a Credit Card with a different account with my name. Then I approached for a settlement as I also wanted to close the chapter, but they told me that they would not do the settlement as they have already got my salary on hold. I requested to them to release my salary after doing a settlement, i make them realize my current financial condition as I am the only earning member of my family and this is the month DURGA PUJA, so my salary is very much needed as some expectation my family has on me. After couple of days I again visited the Credit Card branch on today regarding the settlement. I talked with Archita Biswas, Avijit and Tapan, concerned person of Credit Card. Again they told me that they wont do the settlement, instead of that they charged me to give the full salary for this month (Rs 12000) and Rs 10000 more with four PDC of my current account. This to make you informed that my total outstanding of my account was near about Rs 20000. I requested them many times for the settlement but instead of doing this they talked with me in very sarcastic way.

This is to bring you kind notice that, I also spoken in my office to change my salary account or to process my salary in Cheque but as per their policy it is not at all possible. Means I would be working month on month and would not be able to withdraw my salary as from HDFC they have informed me that they would take the total money of Rs 22000, after that only they would release my salary account. Kindly see my condition that due to HDFC, I won’t be able to continue my JOB. They are hampering my personal as well as my career or professional life. And trust me if they are not releasing my account I have to leave my JOB only, I don’t have a single option other than that. I would be JOBLESS for this HDFC bank


Would request you to look my issue and kindly revert with the proper resolution as early as possible as I am really in a pathetic mental condition. I would be glad if you kindly resolve my issue.



Rgds,
Rakhi Mukherjee
[protected]
Kolkata-103

My complaint is 583rd according to your own listing, and now I don't doubt why it could be so!
I opened an account in HDFC Bank on MG Road next to my location of business thinking that it would be very convenient operationally, but within a week they shifted to a location which is so inconvenient that it requires half an hour to reach and 40 minutes to return. The plans for shifting may not have been taken within a week, they never informed me and there could be so many other customers like me who were kept in dark about their plans.
There was another branch further down the road on 18th June road, they could have just suggested that I could open my account there.
It seems that all they are concerned about having an account in their credit and whether the customer is put thru inconvenience is non of their concern.

Then they make a claim that one can operate through any branch, which is so untrue as per my own experience.
1. I issued bearer cheques to my employees so that they could withdraw the money from the closest branch, but the branch on 18th June Road refused to give money and asked them to go the the branch in Pato. I had to call up 3 - 4 people to get this sorted.
2. Next came the request for cheque book - one cannot make it at any branch, you have to go the branch where you hold the account. Again had to make 2-3 calls and the lady who was assisting had to speak to her manager to be able to accept the request.
3. I had made clear that the cheque book was required on a urgent basis and have it delivered at 18th June Road branch for which I was informed that i would have to collect it from Pato branch only as my account is there.
4. The icing on the cake is that I receive a message yesterday - "Your cheque book has been sent to MG Road branch on $var4.(cant understand what that means) Pls get in touch with the nearest branch - HDFC Bank." Today when I go to Pato branch to collect my cheque book, they tell me that it has been despatched to my mailing address which is in Mysore! And the best part the person who had called me asking me not to shift my account to 18th June Road branch and dum dumed about any branch operation and blah blah is asking me to get it from Mysore. There is no value for customers time and inconvienence they cause.
The Branch Manager was making a show that he was going to go meet customers and do some PR work but ignoring and giving no solution to the person who has a complaint and sitting right in front of him.
My request is that there should be an independent body appointed by the government to monitor the atrocities and irregularities being done by these private bank, where the customers are being charged and being misled with false claims of services being offered. A rating systems should be put in place which should be published so the customers make a better choice in dealing with the banks.

Hi,
I have been waiting for my HDFC Debit card which was dispatched on 10th, the air bill no. AWB [protected] BUT HAVN'T RECIEVED IT HAS YET. IM TRYING TO CALL ON CUSTMOER CARE NUMBER BUT ITS ALWAYS ANSWERING MACHINE. VERY BAD AND IRRESPONSIBLE SERVICE.
Please let me know about my Debit card, i have given my mobile no also.

thanking you
jayanti sarkar

Hi i am Virendra Ranka. i have HDFC gold Credit card. when i got gold card from bank they told me i will get 5% cash back on rail and air ticket. but never get that. then called to bank and they told me that minimum credit card statement should be 35000 Rs. then i buy two air ticket from makemytrip.com web site. before buying to ticket to this web i called to bank and they told me i will get 5% cash back when that minimum credit card statement should be 35000 Rs. from any web site.
but i never get this 5% cash back. at time of offreing this card they told me as i am from good company. i will get 5% cash back. why this bank is doing this. i need 5% cash back. i am using GOLD card from last 1 year. even they doing this.i need 5% cash back. can some one help me?
my cell [protected]

To
The customers care, HDFC bank ltd.
Two wheeler loans,
head office.

Sub- Regarding ECS bounce charges against Two wheeler loan.

Dear,
sir/madam
I am Bikash karmakar Res-West krishnanagar,Lalganesh Guwahati-34 .I have purchased a two wheeler loan from HDFC bank .My loan a/c no is 14971849 & Emi amount is 1644.00.
my salary account is credited on the 7th of every month and ecs is prensented in my acount on the 5th of every month.In that case i have to paid an additional amount of Rs.456 with everi EMI. I talked to HDFC executive regarding any procedure to change the ECS date but they told me NO. Then I told them that I'll pay the additional amount later but they also disagree with this. At present my financial condition is not too good and I my whole family is depedable on me in that case in every month Rs.456 is matter to me. So I request you to plese change the ECS prasentation date or if it's not possible then give some time for this.
please do the needfull.


Thanking you
Yours
Bikash Karmakar

Respected Sir,

I was working with HBL Global Private Limited as a Sales Executive and on 08th July, 2009 i have tendered my resignation to my head Mr. Rahul Patel who has countersigned the same as a token of Acceptance for my said Resignation.

I had work for 32 days for HBL as a sales executive and on termination of my job they have given me salary Rs. 2838 only, as a contract and appotinment letter i have given my Resignation with a period of fifteen days notice and they have given me salary for half month only.

I shoul be receiving salary for Rs. 7138.

Please look into the matter and do the needful


With Regards

Sheetal Patel
[protected]

'Pitruchhaya' Premanand Kavi's Pole, Wadi, Vadodara - 390017.
Gujarat

Dear Sir,
I am a NRI living in Dubai. I have availed Homeloan from HDFC Bangalore. (Loan ac no: .HDFC[protected], bangalore.)
I have been sening mails and sending mails to concerned to send me a statement of account of my homeloan which has fallen to the deaf ears of the officials in Dubai.
Last time when I was not serviced properly I was upset and wrote to the chairman. Immidiately the officer from Dubai called me and apologised and requested me not to escalate the matter in future and promised good service.

I sugget , that there should be a "PERFORMENCE EVALUVATION SYSTEM" for these officers which should have 25% + or - for customer compalint / customer delite aspect and HR should monitor these no of complaints for each employee. If this is done the employee who has more number of complaints will have nagative effect in his increments or promotion or can be sacked.
Regards
Govindraj K

Pl advice.
Regards
GR

Dear Sir,
I am a NRI customer having Home loan a/c no.HDFC[protected], bangalore.
I have been asked to issue my EMI pay ments advance cheques with out date. I have done the same and also sent several mails asking the concerned not deposit EMI cheques before 10th of every month. But contrary to my request every month my cheque is deposited on 1st of every month. My singale window contact for HDFC home loan in Dubai (he is manager in HDFC Dubai) now says I should have mentioned date as 10th. Actually he is person who has asked me not mention date & as proof I have slip which is written by him as its one of the madatory thing.
How do I deal with this kind of attitude?

Pl advice.
Regards
GR