HDFC Bank — HDFC Bank doesn't follow customers instruction and harras them

4 Reviews
 Macha Laxminarayana Sateesh Go
Respected Sir, I M L Sateesh Goud request you to solve my issue(problem).
I have taken a personal loan in February 2007, an amount of Rs 75000/- from HDFC bank, when I was an employee of Brigade Corporation Hyderabad.
I had a salary account in Citi Bank.
I had given all the necessary documents to HDFC people.
They have submitted the ECS form also.
From the beginning of the first installment payment the ECS was not activated.
The Citibank people have put penalty of Rs 300/- me.
When I consulted Citi Bank people they told that the issue is with the HDFC Bank. They have some problem with the ECS.
I approached the HDFC people in Secunderabad they told the issue is with the Citi Bank.
The clerk in HDFC Bank has sent an executive to my residence to
collect the EMI of Rs 2750/- and I have submitted the ECS form again on behalf of HDFC in Citi Bank.
But again the next month too the ECS did not get activated.
The executive had again collected the installment amount from me. This has continued till September.
In September I have got confirmation from Citi Bank that an ECS has been activated .
In August I have joined WIPRO, now I am having an account in HDFC which is salary credited account.
I have filled and submitted form to change the ECS from Citi Bank to HDFC. (SI)
All the 8 months I have paid the installments but the collection have collected only after the due date inspite of I being reminding them before the due date.
The clerk has told me that I need to pay some fine(at the end of loan payment) for being paying after the due date. I have explained him that was not my fault, as the issue was between two banks HDFC Bank and Citi Bank.
Please let me know what should I do?
Please reply to this querry.
Complaint comments  3 Comments     Updated: Share0Tweet0


I also have a loan with HDFC When I was taking the loan they told the loan was for 14.5 % after two months of EMI I found that they were taking more interst - at the rate of 17%. I logged a complaint against the this .

In between this the ESC which was suppose to be debited on 7th did not happen . the bank did not present the ESC on 8or 9 th - is asking me to paythe fine for latepayment now . I enquired the the same in ICICI found that the HDFC didi not present that ECS on those dates.

I am find this bank is doing fraud .
IF there are more people we should log a compalint against this practice .
This is cheating .
HDFC Bank is very bad bank. It does not provide customer satisfaction. I have more and more and more complaint for HDFC Bank. And also customer care of this bank is very poor.

I have a personl loan with HDFC. But my ank is OBC Every month theare deducting tru ECS from last 2 years. But thismont their ECS got rejected and they called me for the payment.Balance is ther in the Account. As i enquired at OBC, i came to know that th ECS got rejected due o som connectivit problem between Banks, and all he ECSs for eery bank which came to OBC got rejected. Then all those banks re-submitted their ECS's and encashd their EMI's.
But this HDFC pople are pressing me o pay at their counter other wise i will become a defaulter. They are making dozens of calls to me.

I explained the situation to them, they are not ina mood to understand or hear u. They say that it is our responsibility to see that the ECS gets cashed. Atually it i not my problem, the cash is lying in the account It the inability of HDFC to encash Tru ES, moreover they are blaing us.

If so, whydo they tae ECS, then what is their role.
I think they have to gather information from RBI or OBC for the rejection of ECS. They want to put all the blames n the customer.


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    Branch 542, Trade World, A Wing, Ground Floor, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra, India - 400013
    HDFC Bank - HDFC Bank doesn't follow customers instruction and harras them