HDFC Bank Complaints & Reviews

Pal,

Do not settle for anything, verify lawyers credentials and do not worry read the full mail below and visit the sites I have given and share this knowledge - THIS IS CRUCIAL.

Good Luck

A CREDIT CARD VICTIM
[protected][protected][protected]--------
First visit www.bankingombudsman.rbi.org.in

file a case here;Bangalore
Shri. K.R.Ananda
C/o Reserve Bank of India
10/3/8, Nrupathunga Road
Bangalore-560 001
Tel.No.[protected],[protected]
Fax No.[protected]
email: [protected]@rbi.org.in
Karnataka

Mark a copy to : New Delhi
Shri H Kulshreshtha
Banking Ombudsman
Reserve Bank of India Building
2nd Floor, 6, Sansad marg
New Delhi - 110001
Tel No.[protected]/23710882/23725445
Fax No.[protected]
email: [protected]@rbi.org.in

Next go online and file a case online at


http://creditcardvictims.org/page/eng

http://en.wikipedia.org/wiki/Credit_card

http://www.bcsalliance.com/x_creditcardtricks1.html [ full info on credit cards ]

Tactics Credit Card Companies Use to Get You to Pay More

Although the credit card industry earns more than one trillion every year, they aren't satisfied with that, and have adopted dubious tactics to further fatten their wallets. Late and over-the-limit fees now account for more than half of their revenues, so they like to encourage or trick customers into paying some sort of penalty fee. And they are now only getting away with it, but they keep raising their fees up and up -- just a few years ago a penalty fee was about $10. Now the average is $29.00. Consumer groups estimate that soon these fees will average $59.00.

Late and over-the-limit fees are not the only methods companies use to rake in trillions each year. There are also the credit insurance programs, universal default policies, dishonest marketing campaigns and other stupid card tricks. Many of the major issuers -- First USA (now Chase), Chase, Capital One, Providian (now owned by Washington Mutual), Citibank -- have been sued over allegations o[censored]nfair billing practices and accused of blatantly using tactics to cheat customers out of money. Some of these tactics are outlined below.

Not posting your payment on the day it's received -- Federal law requires credit card companies to post your payment on the date it is received. If they fail to do so, they cannot assess you late charges or added finance charges. Still, a common tactic most card issuers use is to post only those payments received by 9:00 a.m. or 3:00 p.m. on a given date. Payments received at 9:01 a.m. are posted the next day despite the fact that all the major card issuers have payment processing centers that operate 24-hours a day, seven days a week. Best way to fight back: Send in your payment at least 10 days before the due date. If you can't do that for one reason or another, arrange to make your payments electronically by signing up at your credit card issuer's website so you can quickly zap a payment to them and they can't claim that they didn't receive your mailed payment until after the due date. It is interesting to note that almost all of the major credit card banks used to allow customers to quickly zap a payment to them via Paypal.com free of charge. Of course, this must have put a big dent in their late fee revenue so some of them stopped allowing this (Providian and First USA to name two).

Tricking you in to paying late -- Federal law requires that credit card issuers mail you your statement at least two weeks before the due date, so companies have to resort to other tactics to get you to pay late. You know that your credit card payment is due on the 25th of the month, or do you? Your issuer might suddenly change it to the 20th of each month to try and get you to mail it in late. If it's received late, they will slap you with a $39.00 late fee. If it's late two or more times, they can legally increase your interest rate dramatically, to as much as 29%. At various times, several credit card issuers have even resorted to not mailing out statements at all to encourage customers to pay late under the theory that "it is a courtesy that we mail statements out, not a requirement." [First USA actually used that as an excuse once and lost many customers as a result.]. Best way to fight back: Always open your monthly statement immediately upon receipt and check the due date. Don't be surprised if it has suddenly moved up five days and you received your statement "late". You might have to immediately write a check and get it in the mail that day to allow at least seven days for it to get to them before the due date. You don't want it to arrive at 9:01 on the due date do you? If it does, you will be assessed a late fee.

Penalizing you for carrying a big balance -- If you carry a high balance on your credit card month-to-month, don't be surprised if you one day notice a small paragraph on your monthly statement that informs you your interest rate is going to increase from 7% to 28% next month. What the credit card company doesn't tell you when you sign up for the card with the low interest rate is that they almost always raise the interest rate dramatically on people who never pay down a high balance on the credit card or carry big balances with other credit card companies. It doesn't matter to them that you have always paid your bills on time and are never late. You can be a customer of theirs for 20 years and never be late or miss a single payment, but one day they will decide that you are no longer a good customer and raise your rate to 28%. [Citibank is notorious for doing this. Every time I see one of their ads in a magazine or TV about how much they love and respect their customers, I want to throw up.]

Credit card holder wins suit worth Re 1 lakh

The Statesman 29.5.07

Arunima Ghosh

KOLKATA, May 29: Credit cards may be a status symbol to some but for a vast majority of consumers irregularities in credit card bills can cause a great deal of harassment. The recent victory of a credit card holder against a leading bank will be a boost to such consumers who are regularly harassed by their banks.

A city consumer court has come down heavily on ICICI bank by slapping a fine of Rs 1 lakh, the highest compensation imposed by the court so far for discrepancy in credit card operations. The court of Calcutta District Forum, Unit-II, president Mr TK Ghosh and members Mr H Bhattacharya and Ms R Acharya pulled up the credit card division of the bank for recovering a loan that was never received by the customer. The bank allegedly asked the consumer to repay loan installments along with interest including late fees for a loan amounting to Rs 33,500, supposedly issued by the bank, which was neither solicited nor asked for or received by Mr Kalyan Kumar Sur. The court ordered the bank to pay Mr Sur a litigation cost of Rs 5000 along with compensation worth Rs 1 lakh.

Mr Sur was taken by surprise when his credit card statements suddenly displayed interest charges. He complained that bank did not respond to his repeated e-mails when he asked the latter to provide him with loan details. Instead the bank allegedly harassed him further by sending loan collectors to his residence.

The clause 5.1(b) under Reserve Bank of India’s credit card operation guidelines reads: “Unsolicited loan or other credit facility should not be offered to the credit card customers. In case any credit card facility is extended without the consent of the recipient, the credit sponsoring bank will be liable to pay such penalty as may be considered appropriate.” During the court proceedings the bank failed to substantiate with written documents that it had received a loan request from Mr Sur. When contacted ICICI Bank spokesperson in Mumbai said: “We are aware about this case and the bank might appeal before the state commission against the order passed by the city consumer court.”

Dear Friends,
I was an urfortunate holder of a HDFC Credit card from late 2004 to early 2006.
It was supposed to be a lifetime free silver credit card.
The card had a meager credit limit of Rs 12000.00 and I had hardly ever used it.
Whenever I had used it for small amounts I paid back within 2-3 days time not even waiting for the due date to come.
In fact I had a Citibank Credit card with a much higher credit limit and better facilities do I used to use that one more. You can check my repayment record with Citibank if you want. Satisfied by my clean repayment record they kept increasing my card’s credit limit and facilities every year.
I had no outstanding amount on the HDFC card and in spite of informing the bank again and again never ever received a single statement from them.
On one fine day, in early 2006 I called up HDFC Bank Credit Card Division Customer Care and informed them that I was going to destroy the card so that they can block the account. They said I don’t have any outstanding but as a fore-closure free I need to pay one hundred something rupees which would be coming in the next statement and I can pay it then. I again told them that I never received any statement from them. But they said this time onwards I would definitely get them.
Days, weeks, months have passed after I have broken the card into 4 pieces and dropped the pieces in the trash can of one of the HDFC ATM’s. Then suddenly I get a call from a person called Rajesh from HDFC Bank’s recovery section. It was about a year after I had destroyed the card. Rajesh said I had about 20,000.00 Rupees outstanding on my card and needed to pay immediately. I was stunned and I said there must have been some mistake on their part. But he kept insisting. He even threatened to drag me to the cops and the court. I felt nervous because I can’t deny that the card belonged to me because I had signed on the application form while applying for the card. Besides, I didn’t have any paper, statement, letter indicating that I’m being wrongly charged. I continued to argue with him but ultimately had to give in. He said if I pay him Rs 5000 –something on that day itself in cash, he would get me the letter of settlement within a day. I unwillingly agreed, in fear o[censored]nnecessary trouble and embarrassment.
I asked him to come to my office (TCS, Whiltefield) in Bangalore. He came with another guy from the collection agency, took the money, gave me a receipt and said he would be sending the settlement letter to me on the very next day. Ever since I had been waiting for that letter and it never came. I only have a copy of the receipt for that amount but it does in no way prove that the account had been settled. I tried calling him several times at the number he had called me from but it turned out to be an office board number so I could never talk to him.
For almost 10 months I did neither hear nor receive anything from the bank.
Now, on an official assignment I have come to Japan and I have to stay here for a couple of years if not more. Suddenly my father calls me and tells me that a certain Arjun from HDFC bank is calling and threatening them repeatedly saying ‘Your son owes us Rs 24000. Either ask him to pay or we’ll drag you to the court’. I asked my father to give them my japan contact number and email id but they said thay didn’t want to make international calls and kept harassing my helpless old parents. At last, I told my father to tell them about Rajesh and the letter of settlement that never came to me. Now they are saying unless I present the settlement letter to them, they will send goons to our place and issue a legal notice etc etc.
My agreement with my firm doesn’t allow me to go to India before I have completed 18 months here. I am feeling so helpless out here.
What to do? How to prove I am innocent?
Is there anyone who can help me out? Can my parents sue the bank for harassment? Is it possible without having all necessary papers? I don’t have any papers with me except for that last receipt, partly because of my foolishness but mainly because of the bank’s callousness.
Is there anyone who can help me out?

Devalin Sarkar
Tokyo, Japan.
Phone : +[protected]
Email : devalin.[protected]@tcs.com

this is third time that i am not geting bill at my residence. i alway pay the bill on time. no one even remind or call or sms the same so if thier is any delay i am not responsable.

Kindly note that I have started the same tactics as they are adopting. On phone, speak filthy abuses to them. If they come to your house, call police on 100 and say that they have beaten you or assaulted you and trying to take the tv etc.

These agents can not do any thing except to go to civil court for the recovery. If you have issued any cheque and that has been bounced that on first hearing pay that amount and declare that it was the final amount.

In case of court, you must ask the copy of plaint and all the copy of the slip signed by you for verification and also the details of payment received before replying and you simply say in the court that there is no money payable by you.

In Lok Adalat, you must not admit that any amount is payable and never sign any statement. You simply say that they are telling lie. Not a single paisa is due even if there is due of lac rupees.

By this, you may give nightmare to them and they would stop threatening.

Since I have started these practice, I am in peace. Today when I received the call from Citibank, I said that I am not coward who would suicide but would compel to you to for suicide and if you dare to come at my residence, i would give you a good beating and would hand over to police after making false allegation that you have assaulted me.

Further, if police does not receive your complaint that file the case u/s 156(3) before the magistrate requesting directing the police to register the FIR and at the same time write to Human Right Commission.

Dear Sir,

Yesterday I received official letter from Your Bank that they can not do any thing because time is over.

But I was informed immediate to your Bank and as they directed drop the letter in any HDFC Bank.

I have done same.

And when ever I followed your Bank they have always told matter is under discussion and because this is a transition from different Bank so it will take time.

Now your Bank is putting interest also on that amount which I have not taken

So how I can pay that amount which I have not taken.

Sorry but I will not pay any amount which I have not taken



With Best Regards

Amit Saxena






[protected][protected][protected][protected]

From: Amit Saxena [mailto:[protected]@roulundsbraking.com]
Sent: Wednesday, June 04, 2008 11:23 AM
To: 'customerservices.[protected]@hdfcbank.com'
Subject: Due To M/C fault money not withdrawn



To,

The HDFC Back Manager,

Credit Card cell



Dear Sir,

I was tried to withdraw 5000 Rs from my Credit Card ([protected]) on 12.02.08 at 13:44:04 from Central Bank of India Terminal code SITD021401.

But due some M/C fault I was not received money.

I have immediately entered complaint in Central Bank India Complaint Register and inform their Manager.

And at the same time I have informed to HDFC help Line.

After that I have followed several times to Ms. Priya HDFC Bank.

Today As discussed with Mr. Varun I am sending attached copy of receipt but it is very old and fed that’s why not clear.

But still I have put all the information what ever I can read. There is below information also printed

TX# 5805 RESPCODE# 0051





So please take necessary action.



With Best Regards

Amit Saxena

Date of Birth 200876

Roulunds Braking India Pvt Ltd.

Bahalgarh Sonipat.

Sub :- Convert The Wrong Monthly Emi

Dear Sir
My complain against HDFC Creadit Department. Sir,Last to Last weak i swap the money Rs 36850 my HDFC Creadit card. So, after 3 Days I talk the HDFC Creadit card call centre. I submitt the request convert the Emi for 3 Years.

Muzhe se yahe done kiya gaya ki aap ki Rs 36850 Emi ko 3 Year's ke liya convert kar diya gaya hai. Mene call centre se is emi ka refernce number maga,tua call centre employee ne kiya ki aap sure ho jao ki aap ki emi ko 3 Yrs ke liya conevet kar diya gaya hai.

After 1 weak mene call centre mea call kiya .Tu aun ka answer tha ki aap ne 1 yrs ki emi comvert kari hai. Jo aun ke end se wrong hua hai.

Hdfc Bank mere sath wrong dealling kari hai. Pls is issue mea aap mere help kare.

Regards
Nivesh Aggarwal
[protected]

i was using HDFC Bank Credit card(card no-[protected]).all the amount have been settled.the bank is not issuing noc.Pls help...

Change of my address: No:10shakthi nagar, 13 th street, nerkundram, chennai-107

Credit Card -HDFC
I have credit card HDFC No:-[protected] with total outstanding of approx Rs.21, 744.89 in Feb 2008 i told the Customer excutive that i am ready to pay the amount. when i was going through my HDFC Saving bank A/c came to know that Rs.4.473. has been blocked by the bank because that much money is due as credit card outstanding i have requested them to look into the matter i am ready to pay the settle amount please release the amount as i will have few cheques for clearing this week i talked to customer support department Kamlesh amin & Kavita complaint no ( [protected] ).I pay a cheque of 10, 000.00 to unblock the saving a/c, but they still saying that u have to clear all due iam ready to pay with 2/3 installment . i am waiting for the answer but meanwhile as they have blocked the amount me and my family is going through tough time any consequences to me and my family due to this attitute of HDFC credit card collection department HDFC bank will be responsible.
Before blocking they should have contacted me on my mail id if i was not available on my contact no.

Renganathan Balasubramanian
Credit Card no: [protected]

I am getting SERIOUS THREATENING calls from the telephone no: 64598802 of your credit card recovery dept. for making payment of credit card dues . He is talking in a most absurd and abusining unparlimentary words questing my integrity and calibre in my business circle and personal carrear . I request the HDFC management to take severe action for such indecent humane approach towards customers of your bank . I seek your concrete reply immediately on receipt of this message . Even now after sending the message if i am getting THREATENING calls from the above telephone number i.e 64598802 i am constrained to take police action against the person who telephoned to me. Awaiting your return reply and action. I assure you that i will settle the payment shortly .

Yours

R.Balasubramanian

I am also undergoing same situation from HDFC Bank.

hi!
my name is neha shama. i have a credit card from hdfc bank and have outstanding due on it. i possess that card since 2007. i'm making payments to it when they call but today AUG 11th i received 6calls from hdfc and they were abusive due to which i had to bang the phone as i have never ever used such language or heard this... IS THIS THE WAY TO DEAL WITH CUSTOMERS????? i received the calls from[protected] i had a spat with her as she was saying things which she is not supposed to. HER NAME IS NIHARIKA AND SHWETA as she keep changing names... i promised her that i'll make the entire payment in 7-8 days but she is still abusive. so want to register a complaint against her.

I request the HDFC management to take severe action for such indecent humane approach towards customers of your bank . I seek your concrete reply immediately on receipt of this message . I am constrained to take police action against the person who telephoned to me. Awaiting your return reply and action. I assure you that i will settle the payment shortly .

I too belong to legal background; and seriously want somebody to take action against this else i will be forced to take this matter further.

SEEK YOUR COOPERATION IN THIS MATTER.

Dear Sir / Madam,

My Aunt is getting calls from this number [protected] which are abusive. They are calling for a payments on loan availed by another person for which he had provided her number as a guaranter.
We have reported this to the police. We would like to know how to tackle this insane behaviuor of the person calling and how to go about getting the address for this no 32089146.


Regards

Shekhar Arelly

Hi

In continuation of my last complain still i am getting abusive calls from the HDFC CREDIT CARD COLLECTION DEPT. especially a lady called Reshma does not have any sense to how to talk she is keep using the words like "aapko sharam nahi aati kya" "dimag hai ki nahi tumhare pass" all such kind of indecent language she is using.I need an action against these people within 24 hrs because they are keep harassing me.I am hereby again mentioning her no.[protected].

Thanks & Regards
Priyanka Singh
#[protected]

They harassed me for one year and i want to share my experience with everyone.

HDFC bank Credit card recovery department is most notorious in the country.

That is the reason they can show very low Non Performing Assets because they never write off any of the settlements done with the customers.
They did the same with me for one year. I took the matter with ombudsman, using all the emails that i had sent for one year, the settlement letter scanned copy and the proof of payment that i had done. Now i have received the zero balance confirmation and the write off in cibil.

They try to get you into accepting expired settlement letter after which you have no rights. Make sure you make the payment within the written time frame of the settlement letter at all cost

*they sent harassing recovery agents on 'behalf of HDFC Credit card'
*the agent wanted me to make part payments rather than asking for settlement letter
*they tried to make me accept the expired settlement letter.
*they did not honour their written commitment made via their settlement letter for writting off the dues.
*they kept on refusing on emails and kept asking for more money for writing off in cibil records.
* I took up the issue with their "Nodal officer" as well but to no use.
*finally i took all the mails to the ombudsman and got the issue resolved.
*Till date HDFC credit card department holds that everything that was done is in accordance with bank policies. (only God knows how many inhumane policies do they have in their kitty)
*they have wasted my whole one year in followups, mental harrasment, and botheration.

Stay away from HDFC bank for all reasons.

I got a call from customer representative from hdfc bank On 27april 2015 .she called me 2 times on that day.i told that lady not to call.again she called on 28 april 2015.she started to abuse me.so I gave my call to my mother.she again started abusing my mother and father.that representative lady name is Tamil chelvi and I got call from this number [protected]

I got a call from [protected]. A lady named tamil chelvi called me on 27april 2015.i said dont contact me again.she again contacted me on 28 april 2015 And started to abuse me.i disconnected the call.again she called, i gave to my mom. She started to abuse my mom and dad.i just want to take action on her

From number[protected] agent called and told me that I have to take the loan from the,
An when I told that I never have asked for the loan, he started using abusive language and threatened me, I have recording with me too regarding it and am planning to submit it to the police station at my place. I even don't have account in this bank and will never open up for this misbehave.

This is Himanshu Sikka, working Bharti Airtel Ltd and i am you A/c holder[protected] in your bank for the last 1 year. Before few days i got the call from your call center by Rachna[protected] which is deal with credit card and she has taken my request for Credit card and i forwadred my all documents and cleared all the varifications.

After that she said it will be dlivered within 10 days. Day before yesterday when your feild officer came to delivered my card to me, he called me then said i am waiting at the reception. i said that plz wait for a while i will be there within 10 min and then again after 2 min i got the call from him and he said i cannot wait 2day are you coming or not? Is this is the way to deal with the customer? I was in the Office not in the residence in case i would be reach at the same moment. At the same moment i called to Rachna and brief the matter and till now no action to be taken from her and havent recvd any response from the bank also.

If this is your services to the existing customer then i dont want any services from you.

And 2day i have already forwadred my cancellation of credit card request to rachna and she has forwarded for the same.

I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

Dear sir,
plese send my creditcard statement in my e-mail id





Thanks
ranjitkumarswain

I have not recieved a single statement of my credit card nomber [protected] please send the statement on my e.mail [protected]@hotmail.com and also send me a my city card because my old my city card has cracked and I distroyed that and please increase my credit limit thank you

Dear sir/mam,

Till date we have not received the statement of my credit card my card number is [protected]. for your kind information i will not pay any extra charges for the statement delay.

Sir,

Ref:Credit card number:[protected]
I have not recieved my credit card statement for the past one year.I request you to help me in getting the statement through post or the above mentioned E-Mail ASAP.please provide your response immediately.

Regards
Pavithra P

Hi

Can someone please help me. I have a HDFC Gold Credit Card with 1, 50, 000 Credit Limit. This is not enough for me and I require atleast 2, 50, 000 limit a month. I have been using the card since November 2007 and have paid all my bills in full using an average of 1, 20, 000 a month... its been 8 months and no increase in CL at all.

Can someone please e-mail me at [protected]@gmail.com and help me out

Regards,
Arjun

my HDFC bank credit card duely expired on 05/08. just before expiry they had sent a new card which was not delivered by the courier service.also for the second time the courier failed to deliver the card quoting the address is not existing( how come the card statements are delivered promptly to my address???????). NOW I DO NOT WANT TO USE HDFC CREDIT CARD ANYMORE.I WOULD LIKE TO KNOW THE EMAIL ID TO INFORM THE CUSTOMER CARE WHICH I COULD NOT FIND IT IN THEIR WEBSITE.PLEASE HELP.

Hi,


I am holding hdfc card but may residence address Incorrect updated please correct update my residence address:-

HDFC CARD NO.[protected]

Nirmal kumar c/o Ram sharan advocate
Village and post office Rojokari Pahari
New Delhi-110038
(Near AshaRam Bapu ashram)
Ph.[protected]


Thanks & Have a Nice Day
With Warm Regards
Nirmal kumar
qru team

I want to get the monthly statements through email.

What process i need to follow.

Ranjit

Sir,

This is to inform you sum one called up from 40050285 & 40050286 and they are slanging in my phone no. [protected] .

They are calling me again & again in evry 10 min. For God sake please take some immediate action.My card no. is [protected].Even I have compained in customer care no. [protected] and they have given me case Id no. [protected], [protected] respectively.

Yours immediate will be highly appreciated.

Thanks & Regards

Vivek Kumar Gupta

I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

SUNIL GOYAL CARD NO 4346, 7720, 0367, 3307


I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

My name is Pradeep Kumar V K holding a H D F C Credit card no [protected], I have been useing this card since 2004 with a credit limit of Rs 22000/- But after 2005 i stoped useing my card and only kept on paying the balance amount, I do agree that their was some delay in paying but still whenever the collection person had asked for the payment i made it a point to pay at least the minimum amount - mean while i was transfered from bangalore to Mumbai in may 2007 and still i kept paying the amount, once i asked the collection person what is my balance due and he told me its Rs 61000/- just imagine my cr limit is only Rs22000/- how can the balance become Rs 61000/- he told me you do this minimum payment and you can have a settlement of account i agreed and did the same but after receving the payment he did not turn up to me and again the matter became pending, one fine day one Mr. Nagaraj had called me and told" we are redy to settele your account please pay Rs 12000/"- i told him right i will not be able to pay him in single go please give me an option of instaulment for which he did not agree and started sending bad S M S to me ( i Still Have Those SMS) than later one Mr Deepak had called me and told me to Pay Rs 12000/- as settlement amount with four EMI's . i made two EMI's on the Month of December -2008and Jan2009 mean while i lost my job and could not make further payments but still I informed Mr Deepak about this and also told him as soon as i get some cash i will do the same - on 2nd of April I recived a cq of Rs 72322/- as a final settelement from my old company which was the only saveing I had and I deposited the same in H D F C account My S B account No being [protected] and as soon as I deposited my Cq I called up Mr.Deepak that i have got some money with me and i want to settle my account for which he told me since I have not paid for last two months now the settlement is void, i informed him to help me on the matter and he agreed to do so telling that Rs 10000/- to be paid again i still agreed but for all my shock when i checked my S B account on the same day i found [protected]@ Rs 63000/- had be blocked from my S B account without any notice i tried to call each and every person but nobody is giveing me a correct answer nor are they trying to tell me with whom should I talk to till today ie 6th april 2009, Today somebody called me an gave the number of Miss Nitu Sharma[protected] I kept on trying to this number but the phone is always engaged, I kindlly request all to help me out of this problem and I would also like to ask the cr card person how can you block my S B account without any notice and I request them to look into my account as i have mentioned earlier I stoped useing the Card in 2005 but was always makeing the payment till jan 2009
please help me out
Pradeep Kumar vK

My card no. is [protected] i have not used my card from the time i received how ever i planning to use it now please let me know how much is the crdeit limit now?

I have not received statement of credit card No.[protected] More over transaction was also closed by your bank whereas amount in balance of my credit card. Reason may please be intimated. I also request to your kind honour please change my mobile No. [protected].
sunil Virmani

Dear Sir,

I Shajan Mathews C.C. No. [protected], I settled my credit card with offerletter of Rs. 41200/-. Rs. 2000/- advance given and balance of Rs. 39200/- as 11 instalements. Instalment amount was Rs. 3564/- p.m., I have paid all instalment, In mid my salary account was changed that time I informed concerned person and emi cleared through cash. I completed 11 inastalment, one lady called and said, for settlement Rs.400/- more required. I paid Rs. 400/-. after a month one male staff called and said Rs. 2000/- required for closing. I said this is very irritating, finally I gave Rs. 2000/- more closing, but last week I received a call from collectioin he said credit card not settled, more amount required., he said settlement amount showing in system and emi also received, but not settled, sir what is this happening, right now due to market crises I lost my job also, in, in last three months I am jobless person. Please close my account and send me zero balance statement.

Thanks

Shajan Mathews
[protected]

Dear Sir/ Madam,

I (PBR AMBEDKAR) my credit card number no: [protected]. I need help from your side. Pls help me in getting the hold funds. My total salary is hold due to funds pls release last month only I had paid Rs. 1500/- and the remaining amount I had requested for settlement. I will make settlement by this month end or else hold my salary next month also I am ready for that.. Even for bus pass and other expenses also I am unable to do my activities. Pls help me so that I can take amount from my account.

Thanking you,

Regards
PBR AMBEDKAR

HDFC Bank card divisiion customer mail ID no where it's shows. Even it is not visible in their own website also. Very worst Bank

Could you please tell how you dealt through this?

Dear sir,
plese send my creditcard statement in my e-mail id [protected]@yahoomail.com

card no [protected]

I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

Hi

there is no email id found in your site where i can send my complaint for not receiving the transation no of IVR for ticket booking from irctc railway,

if found any suggession related to same please reply in the below mail id.
[protected]@rediffmail.com

HDFC Credit Card — Not getting statement of Credit Card

Sir,
My name is Ashok Kumar Saini. I have Gold Credit Card on my name and one Addl card on my wife Kamlesh Saini's name. I have taken a personal loan also and paying installment well before due date. I am not getting my statement. I contacted customer care repeatedly but got the same reply everytime that it will be sent to you shortly. I got the consolation only not statement.
please do the needfull to get me statement if you can.
My address : Sr. No. 167 Talekar Bldg, Opp Ozone Bldg, Santnagar
Lohagaon, Pune - 411047
email : [protected]@rediffmail.com

Dear customer,

We request you to write to [protected]@hdfcbank.com with your credit card and contact details and the reference number TTU[protected]. We will check this frok our end and respond to you.

Regards, Customer Assistance, HDFC Bank

NOT GETTING STATEMENT
SIR,
Ref:Credit card number:[protected]
I have not recieved my credit card statement for the last month by mail.pls send it to me immidiatly.
call me on this no. if required...
Anil trivedi:[protected]

NON ISSUE OF CREDIT CARD

I HAVE APPLIED ONLINE FOR CREDIT IN FEB.2015 AS PER THEIR AD ON VARIOUS SITES.BUT TILL DATE I HAVE NOT RECEIVED CREDIT CARD & ANY RESPONSE OF VARIOUS REMINDERS.IT SEEMS THEY ARE NOT INTERESTED TO ISSUE CARDS APPLIED ONLINE.

Hdfc bank depository charges

Hdfc bank charges more than 850 as showing depository charges without my interest from this month as i have never contacted anybody for any service. Please help me what are these charges and how i can get these back

Relieving Letter Not provided till date

DEAR SIR my self Rohit Sharma emp code 108221 i am working sales officer HDFC Bank in Hing ki mandi Agra I have resion my post form 4 apr 2014 my reliving latter not provide Regad. Rohit Sharma emp.code 108221

Charge

who can give permision AQB limit and charges, saving interest rate 3.5 to 4 % And AQB not mataind in one year charge 35 % ?

Worng Bill Generate

When i had deposite the all pending amount then why are generate the credit card statement amount Rs. 1057/-. Iwant to clarification as soon as possible. your end.

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.

Hi,

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.


jana

Houseing Loan — NOT UPDATION IN MY LOAN A/C OF MY DEPOSITED MONEY

SIR,
I HAVE DEPOSITED RS. 457/- ON[protected] WHICH IS DEBITED BY MY BANK A/C NO.105843 ON 20.01.2007 THROUGH CHEQUE NO -472847 OF BANK OF RAJASTHAN ,LUCKNOW. BUT SEVERAL TIMES I HAD TRYED TO QUERRY FROM LUCKNOW BRANCH TO SHUSRI JYOTI/SALINI, SHRI RAJEEV(PHONE NO[protected]/VIKAS VIKRAM SINGH AND MR TONDAN. BUT THERE WAS NO RESPONSE TO ME FOR CLARIFICATION OF MY DEPOSITED MONEY TILL NOW. SUDDENLY TODAY I HAVE RECIEVED A LEGAL NOTICE .REGARDING THAT I HAVE QUERRYED FROM LUCKNOW BRANCH THEN I GOT TO KNOW THAT LEGAL NOTICE WAS SENDED TO ME FOR DEPOSITED MONEY WHIS I WAS ALREDY PAID. TO SAW THIS NOTICE MY WIFE GOT EFECTED WITH HEARTPAIN BECASE SHE HAD NOT RECIEVED SUCH KIND CORRIOR OF LEGAL NOTICE BEFORE .
PLEASE CLEAR THE SAME AND I WILL BE HAGHLY OBLISE TO YOU.

THANKING YOU

YOUR'S FAITHFULLY
SHEO PRASAD MISRA
LOAN A/C NO LBLUC[protected]
LUCKNOW

HDFC Home Loan

Apply For Home load But I Have Problem In My Salary Certificate Is Not Pvt Ltd It’s Proprietor So Your Bank Is Rejected Pleas Help Me & Call Me

My Mobile [protected]

HDFC Bank — Cheque not issued even when the loan is approved.

I have applied for a Loan for the past one and half months and still i haven't received the money. The executives are so careless in their work approach and gives invalid reasons. They are not interested in giving the approval and find reasons to delay it. The reasons such as the credit manager is on leave, one of the executives is on leave are the day to day reasons they give. Please look in to this seriously and i am damn tired about all these things. This shouldn't happen with anyone else. One of the executive named Mr. Abhay is such careless and irresponsible and doesn't deserve to be in the post he currently sits in. Please remove him or fine him or caution him...

I think you will consider this as serious and take it as a stepping stone for your bank's revival.

hdfc ltd, tiruchirapalli, housing loan — interest rate not changed

I have availed housing loan(No.[protected] from HDFC Ltd Tiruchirapalli, and I have requested them to convert my loan a/c as variable interest rate a/c from fixed interest rate. For which I have remitted Rs.1, 308/- in Jan 2004 and handed over the necessary signed documents to Mr. Mahendran of trichy branch.But sofar it is not done.Pl convert my loan a/c as variable interest rate a/c wef jan 2004(with back date) immediately.

sdfsdf — if you dont want loan go to hdfc

hdfc home loan is the worst thing it a very slow process it better to go to other bank and try for loan it takes more then 2 month for home loan in hdfc bank

HDFC — Loan against non.confirmation

Dear Sir,
I have applied Home loan. everything is fine & process fee 10, 166 also deducted from my a/c by ICICI, but at last they people said that your name is in cibil so you dont get the loan.

This is four your kind information that i don't have taken any loan in my career. But as per CIBIL report by HDFC the loan amount in my favour is 1, 24, 000 of the date of march 2008 and now it shows 1, 18, 000.
Plz. find the detaile of loan senctioned by the bank urgently otherwise the case will proceed in legal way.

regards
Promod kumar singh

Home Loan — home loan against the property evaluation

I introduce my self and my father as
SBI customer, Bareilly.50 days back we had applied for a hoam loan in d.d
puram Bareilly for a amount of 20 lacs as guieded by your team/SBI hoam
loan dept.We both are the salaried person and fully eligible for the said
and applied loan (as per the SBI norms). All the doucumentation have had
approved by the SBI team. Normally SBI claims to get it done in a week
time, unfortunately in our case it was more than 50 days.and after a very
dissatisfied answer from your said. Your team evaluated the property worth
of ten lacs only including the registration charges. And for the same
property, A nationlize bank excluding the registration charges
have given a loan of 11 lacs two year back."WE WILL APPRICIATE TO THE
SBI TEAM, IF THEY LET US KNOW UNDER WHAT CIRCUMTANCES OUR LOAN IS NOT
SANCTON". AND WHY IT IS DELAYED BY MORE THAN 50 DAYS. AND UNDER WHAT
PARAMETER THE PROPERTY IS EVALUATED A COST OF RS 8 LACS ONLY.AND HOW
WOULD THE BANK WILL COMPANSATE MY ALL EXPENDITURE AND TIME.

HDFC Home loan = Fraud, Cheat, Robbery. They take away the processing fee and deceive you

Sub : Personal Loand Account No. 91100832
(Erstwhile No. LOMP [protected] - Centurion Bank of Punjab)

Sir,

I had taken a loan of Rs. 1.00 lacs form Centurion Bank of Punjab, Express Building, Near ITO, New Delhi two years back and have been paying EMI of Rs. 2733/- successfully. Out of 48 installments I have already paid 23 installments. However, when I saw the statement of Accounts I was really shocked. They have imposed unnecessary penalty on me for no fault of mine. I have sufficient proof for this to show the concerned Bank Officers.

When I approached the the said Centurion Bank Office (Now HDFC Bank) they told me to contact on Customer Care Number. No body is listening my request. Sometime they guide me to go Safdarjung Enclave, sometime to Rajouri Garden etc.etc.

Recently I have received a Registered Letter from HDFC Bank dated 19.01.2009 from Mumbai Office which has been posted on 3rd February from Bombay, showing outstanding balance of Rs. 69, 496/- which is not correct. This is totally wrong. I am suffering through mental tension. May I request you to kindly depute some officer to sort out my problem.

Regards


M P singh
mobile [protected]

DO NOT GO FOR HDFC HOME LOAN. SALA CHOOR HAIN. BIG THEIF. INCREAST CLOSING CHANRGE FROM 2 % to 3 % without any press realease.

What ever from last 3 years I gave is Totally Intrest NO Principle Deduct.

THEY ARE BIG COOOOOOOOOOOOOOOOOOOOOR.

Take Loan from Nationalize Bank Only.

HDFC Home Loan — PrePayment Charges

Increase in the Prepayment Charges without any notification.

I have requested on 14 Feb 2009 (at that time charge is 2%) and i was told to collect it after 7 days. I reached to collect document on 21 Feb 2009 and found that bank increased rate from 2 to 3 % from 16 Feb 2009.

But as I put the request on 14 Feb which rate should be applied.

sdfsdf — Increase in the Prepayment Charges without any notification.

Increase in the Prepayment Charges without any notification.

I have requested preclosure report on 14 Feb 2009 (at that time charge is 2%) and i was told to collect it after 7 days. I reached to collect document on 21 Feb 2009 and found that bank increased rate from 2 to 3 % from 16 Feb 2009.

But as I put the request on 14 Feb which rate should be applied?

Bank is fooling the customers.

Regards,
Sachin

Hi,

I am also facing the same problem with HDFC.
What was the conclusion 2 or 3%.

Sir,

I had financed my bike form Centurion Bank of Punjab 3.5 years back and have been paying EMI of Rs. 1056/- successfully. Out of 36 installments I have already paid all 36 installments. However, sometime back one of there representative called me up and said that you have an outstanding balance of Rs11000 . They have imposed unnecessary penalty on me for no fault of mine. I have sufficient proof for this to show the concerned Bank Officers.

Best Regards
Rohit kaushik
[protected]
Ghaziabad

Guys no point taking all this here lets get together & Take the fight to HDFC.

I have created a group on Yahoo join it so that we can approch HDFC with our demands.

changed the name of the group

http://in.groups.yahoo.com/group/hdfchomeloancustomers/



Nitin Grover
Advocate
[protected]

Guys no point taking all this here lets get together & Take the fight to HDFC.

I have created a group on Yahoo join it so that we can approch HDFC with our demands.

changed the name of the group

http://in.groups.yahoo.com/group/hdfchomeloancustomers/



Nitin Grover
Advocate
[protected]

Guys

I have created a group for HDFC home Loan customers.It shall tackle the issues related with HDFC .This Group is open to all HDFC loan customers of New Town Height and Express Grens Memebers or for any different property they may hold.We will only be discussing related with HDFC Home LOAN.

In case you guys have taken a loan from HDFC please join it.

http://in.groups.yahoo.com/group/hdfchomeloancustomers/

Group Name Changed.

I also have loan from HDFC & its no fun paying them this high rate of interest.

They keep offering lower rates to new customers once they fall in tran the interest rate for them also goes up.

This group is for existing home loan customers.

Lets get together & Thanks for your support.

Regards

Nitin
[protected]

I am also victme of HDFC home loan.

sdfsdf — HDFC Home Loan Policies

Join the HDFC home loan group to make a difference.

http://in.groups.yahoo.com/group/hdfchomeloancustomers/

Please join the following group:

http://in.groups.yahoo.com/group/hdfchomeloancustomers/

This is a group for all home loan customers from HDFC. This is a place for all o[censored]s to get together & share our experiences. It also provides us opportunities unite & take steps to protect our rights & interests.

sdfsdf — transfer your home loan to LIC bangalore

tranfer your home loan to LIC or new home loan
only BANGALORE CITY pepole contact

ASHOK RAJ
LIC OF INDIA
BAGALORE-560001
MOBILE NO-[protected]
E-MAIL- [protected]@yahoo.co.in

Some of the advocates want to cash on any problem that are before the world .. you cannot blame them ...they need to survive in as much as any body want to.. In any problem, very very few of the professionals (not all) see colour of easy money, putting people into litigation.. Courts are already burdened with so many lakhs of cases and they abhor all frivilous and vexatious suits.. Even our CJI of India has observed that Advocates have their responsiblity in guiding every citizen of India in this process in as much to mitigate every other problem. So that delvery of justice is not stiffled with numerous vexatious cases.. In this regards bodies like National legal Services Authority and State legal Services Authority are doing an yeomen service in reducing the burden of the courts, as the courts are already bursting, overburdened and plagued with numerous firvilous and vexatious cases ... Hence public are cautioned for proper and better advise from professionals and should probe more on all such invitations for those o[censored]s who are disgruntled on any issues, be it services rendered, home loans, product services, cosnumer articles etc. Beware of these people who under the garb of professional advise, would set a trap and render us that much poorer by us spending money on unneccessary litigation. These are the poeple who invite all the gullibles into a long term litigation... you know why !! Their survival exists because of you... Hence forewarned is a better arm for all o[censored]s. Let us respect the Judiciary that has set precedents in this regard. Citizens are intelligent and they would not be spurned by such invitations. J AI H I N D -----Radhika, Advocate, Chennai.

As far as the lower intrest rate to new customer and higher to old is concerened... What they say is
There is this PLR(Prime lending rate) which is decided by the RBI and there is something called as spread, which is mentioned in your loan agreement and which will be same through out your loan tenure.
Your interest rate would eb PLR-Spread. so It is PLR which determine your intrest rate... for the new customers spead may be higher.

And PLR revision they do once ina quarter, suppose PLR has decreased in feb but it will be applicable to you only in April and if PLR increases by April then the incresed PLR will be effective for you.
Please check if this is mentioned in your agreement, if yes and they are not providing you interest rate based on that then u have every right to take them to consumer court.

Attn : Existing HDFC Home Loan Customers - Join Yahoo Group The existing customers of HDFC home loan have formed a group at Yahoo Groups by the name of 'hdfchomeloancustomers' to address the concerns of existing customers who are paying high interest rates. The group unites Hdfc customers and intends to take the issues like high interest rates, conversion fee, increase in loan transfer fee and treatment of old customer's with HDFC. The group is very active, vibrant with people from diverse vocations and regions. Please join the group. Please forward to all you know are HDFC customers"
--standard disclaimer at the end

HDFC Bank - Home loan — Home Loan interest rate charged

Dear Sir

I have taken a home loan in Centurion Bank of Punjab on 7th March 2007 . The Bank is now merged with the HDFC. As per the agreement signed between me & the CBOP the interest rate agreed is only PLR + 0.75 %. But actually Bank is now charging PLR + 1.25 %. means charging 0.5 % higher.

Despite the written agreement over 1 1/2 years now trying to approach various agencies, But no body is responding and giving a solutions to the above problem. Hence I coulnt see any other way except appraoching the Consumer fourms to address the issue.

I am looking for the reduction and repayment of the higher interest charged on my account.

We are also suffering from same problem.

HDFC BANK FOLLOWING HOME LOAN BUSINESS FRADULENTLY BY HARRASSING THE CUSTOMER. WHAT IS DEMARKATION LINE THEY ARE MAKING SAYING IT IS THEIR EXISTING CUSTOMER AND TAKEOVER CUSTOMER UNDER FLOATING RATE BUSINESS. OUR AGREEMENT IS WITH ORIGINAL BANK.. ANY CHANGE DIDN'T ASK US IF THEY WANT TO CONTINUE ACCOUNT WITH THEIR BANK.

HDFC BANK DON;T EVEN RESPOND IF YOU REQUEST TO CLOSE THE ACCOUNT.

PLEASE ADVISE HOW TO RAGISTER OR LAUNCH COMPLAINT AGAINT HDFC BANK.

THANKS

Housing Loan — not provide to me my demanded document

i am housing loan custamer of lichfl my loan a/c no, is[protected]
due to high intrest rate of lichfl i wants to takeover my loan to other bank so he demanded me
1) list of document
2)out standing amount statement
so i was give application in writing to lichfl's surat area office on date 15/04/09 and 08/05/09 and i was e mail to it's h.o., how ever lichfl not send me my demanded document and he ols not care to give any reply to my appli. and e-mail

I'd also taken loan from HDFC and was paying 12.25% from initial 8.75% I'd signed up for.

A smart way is to get out and stay out of high interest rates of Public/Private banks is by using some of NBFC and private institutions which offer lower rates of 6% - 7.5% .

And Its Fixed for entire duration of loan .

I changed from HDFC rippoff rate of 12.25% to 7% from private finance company.

I'll be saving over 16.4 lacs over the next 15 years by changing over to private finance company. This is money I'd have slogged to make banks richer...now I can use it to invest or get out of this loan 35% faster.than possible before.

If interested you can contact
Sujith [protected]

...and tell him Suresh Ancholi referred you to him.

H.D.F.C.Ltd — Change of address

Dear sir, I have 2 FDR of Hdfc ltd. which matured in 2001. But due to some reasons I couldnot renewed it. mean while I requested the bank to change of address as I shifted from Imphal to Guwahati. I requested them to correspondance with me at my new address. Now came to know that my money has been transfered into Consumer education fund. When I asked the bank that to whom they informed about it . They email me that they informed me on my imphal adress. When I complaint about this to them. the assistant manager Me Siddartha Basak said that the change of address was not done under the understanding that the same would be processed at the time of renewal of the Deposit.. Now when I informed them about my new adress int hat case how can they corresspodant with me at my old adress. How can I get back my money.

Home Loan — intrest issue

we have taken home loan from last 3 year ,the loans is in fluctuating basis,

earlier the rates increased day by day but when the rates got down as per rbi they never make the changes in the rate of intrest.

we are getting cheated from the abn amro bank & as we called the bank they said it will get change from next month

please guide us how to solve this issue

thanking you

manish agarwal
[protected]

What is the standard time for home loan approval. In my case, now, it is more than 50 days, the loan is not disbursed. What the HDFC back office people are doing, only God knows..? Totally unprofessional attitude and behaviour by HDFC Ltd.

recently I have taken the home loan from HDFC and going through hell lot of torture for documents transfer. So just want to get rid of these unprofessional people by pre-closing HDFC loan and then move to LIC. Please can you provide me process details to pre-close HDFC loan and move to LIC.

HDFC — HDFC interest rates on home loans

Hi

we took two housing loans from HDFC bank at floating rates. In the past when the rates went up the bank hiked the lending rates/ However now that the rates have come down the bank refuses to reduce the rates giving ridiculous reasong. Please let us know how do we go about forcing the bank to reduce th rate.

The loand have been taken for purchase of flat in Gurgaon

There is no group...

From web:

"There is no group called hdfchomeloancustomers."

HDFC — Charged fee without sanction of loan

HDFC has charged me Rs. 11000, as a processing fee a month back and not sactioned my loan yet. They are neither refunding my money nor completing the the process. It seems HDFC is trying to make money from the fees with no any effort. Please help me know, about the legal remadies available to take-up against this fraud.

Reg. Home loan at HDFC bank — Processing fee withdraw from my a/c

Sir,

I had applied for home loan in HDFC bank on 24th Dec 09. On 1st Jan i got a call from one of the bank rep (who took my appln) that the application is logged in and the file no. is[protected]. But by the time i got approved loan from other bank. Hence i informed them (through phone and by sending the mail to repective person in HDFC bank) to stop processing my loan file. But inspite of the mail and call, they have presented the processing fee in my bank and withdrawn the amount from my account. In this regards, i have sent many mails to HDFC bank and to the concerned people, but got no reply till today (i am following it up from 4th Jan 2010).

Regards
Swamy

sdfsdf — HDFC HOME LOAN - Unfair Policy

I have approached several banks in order to avail home loan for purchase of a flat which is under construction. I found a couple of nationalised banks offering less rate of interest as compared to the private banks. However, since the documentation & the processing time were more with nationalised banks, I had to go with HDFC. I requested HDFC for fixing interest rate for the first two years, like other banks have done, but it was denied then. My loan was sanctioned and partly disbursed in the 2nd week of November 2009. And now during the 1st week of December 2009, HDFC has announced that for new loans the rate of interest would be fixed until Mar 2012. I have approached HDFC again and requested to pass this benifit on to me, but they said it would not apply to existing customers and it was only for new loans disbursed since Dec 2009. I wish to highlight that whenever there is a upward rate revision, it gets passed on to all the customers, but if it is a downward one, it would apply only to new and not to existing customers. I don't see any justification here. Can some regulatory authority look into it and make necessary amendments to the Home Loan policy so as to make the interest rate uniform for all the customers?

most popular banks like HDFC ICICI when we touch in bank they told home loan section is close for two three months i am living in latur

Dear Sir,
This is devesh raj singh
i will give u best way for ur prbm

Thanks and regds
Devesh Raj Singh
[protected]

I am also a customer of HDFC paying 10.25% interest rate for my home loan, I also want to reduce my interest rate, Please help me.

sapan — sanction of loan

I have applied for loan in the LIC Housing finance ltd.civic centre,Jabalpur (M.P) in first week of march.I also personally met to Shri Rao .since then they have not given any information regarding the sanction of loan

sapan usrethe
plot no-12,2046
vijay nagar chapper rampur
Jabalpur
Mobile No.[protected]

Please read this email which I sent to them today, which will tell the story:

Hi All,

I have requested for the refund of the excess Proc. fee to Ms.Priya, on 17th May 2010, today it is 2nd of June 2010 wich is 16 days totally. Please let me know how many more days you require to send me the refund. I am totally disappointed with your services, and I feel that I have made a wrong choice by selecting HDFC.

I have applied loan in your Trichy branch and identified a property in Bangalore. I have send the photocopies of all the documents to Trichy on 14th of May 2010, which you would have received on 17th of May 2010. But till date(02-Jun-2010) I have not got the update for the technical evaluation and legal verification, and I am still waiting for this result to pay the advance amount to the property owner and to do the registration. When I called Mr.Ponnian to ask about the technical evaluation, I came to know that, nothing had not happened till date and I got totally shocked.

Please help me atleast now. 7th June 2010 is the last auspicious day to do the registration, if I skip this date for the next 2 months I cannot do the registration, so I kindly beg you all to complete the technical verification & legal verification tomorrow and fix an appoint for me tomorrow morning to show the original document in Marathahalli, Bangalore branch.

Based on the information received from Mr.Kannan, I went to Marthahalli branch 4-5 days back to submit the document photocopies, I was treated there like a joker, because they didnt got any information about this from Trichy branch and they were asking me 'what you want us to do with this document', and they simply received and kept it in their drawer, I dont know what happened to those document photocopies till date. When I told this to Mr.Ponnian today, he is telling that "now only you are telling me this, I will mail to Marathahalli branch and check the status of those documents tomorrow and update you"

Tomorrow I am going to take the builder to show the original land documents and plan approval in your Marathahalli branch of Bangalore, atleast for this I need proper guidance from your side like whom to meet and when to meet, this is very very crucial for me as the builder will not be available in Bangalore for a longer time. Please note that I cannot waste the builder's time, flat owner's time and my time tomorrow, if they say they didnt got any information from Trichy branch regarding this and if they send us back.

Thanks & Regards,

Ramasamy Subramanian

Dear Friend,

I would like to make you alert on few details regarding HDFC and other limited companies.

HDFC LTD is a limited company and is not a banking institute.
It is a self regulated financial organization and is not at all regulated as a refinancing institute or is not a Banking institute. Sales officers makes people fool by stating HDFC Home loan as part of banking division. Even interest rates charged by HDFC is very high which is increased in subsequent years.

As such rates of interests for home loan are definitely regulated by RBI but limited and private companies do not fall under their per-view. These companies fall under company Act and not under Banking Act.

At time of taking loan these companies promises low rates of interest and then increases rates of interest in subsequent years, which increases your burden of repayment in form of slow poison eating your lots of money.

I will share my personal experience:

I have a very bad experience with HDFC, My loan of 11 lac with tenure was only 20 years and was promised with 3% discounted rates for my loan account as the company with which I was working was a corporate client of HDFC, so my loan started at 7.25% rate of interest and a low EMI of 8595/- Rs only.

In later stages HDFC revised rates of interest stating that my loan is on floating rates, where as no discounted rates are applied to my account. More on no reduction in rates are done at all even when rates of interest of other banks and institutes fall down. Even when they offer low interest rates to new customers – on my inquiry they asked for a proceeding fees of almost 12 thousand rupees to revise the rates of interest.
My EMI is also revised to 10, 526/- Rs and the tenure is now increased. Today even after paying EMI for more then 6 years my tenure of repayment is more then 18 years and EMI is increased from 8695/- Rs per month to 10526/- Rs per month. So I will end up paying money to HDFC for more then 24 years.

So I will end up paying four additional years with new EMI to HDFC which will make me a loss of almost 10-12 lac rupees.

HDFC is offering new customer 8.25 rates of interest where as even when I am a old customer with corporate tie up with the company – I am charged almost 11% rates of interest and I am screwed up by paying more EMI.

I have started legal proceedings against HDFC – and warn you all that dont take loan from HDFC other wise your people will also end up in soup and will have to pay huge for small things.

REQUEST YOU ALL TO TAKE LOANS ONLY FROM BANKING INSTITUTES AND NOT FROM ANY LTD COMPANY--
Ask following questions at time of taking loan.

1.Is the company having word “Bank” in its name.
2.If the company is refinancing company - take in written that – rates of interest in the company will be regulated as per RBI norms.
3.Only those people whose files are not getting approved from banks and documents are not clear enough and are in need of loan should opt for such institutes, but mind it these ltd companies slowly increases rates of interest and eats away your lots of money charging high rates of interest.

PLEASE NOTE – HDFC is a limited company and not a BANK. Only banking institutes or company with word “Bank” in its name are regulated by RBI.
Before signing any document of ltd company please read the terms and conditions completely and take a lawyers advise if needed before going ahead to sign the same.

Please disseminate this information to all your friends and relatives so that they are not cheated by any private company in case of loans / home loans.

In public interest by:
Pankaj Kakani

HDFC ERGO — Fwd: Cancellation of charges or fine(without any reson)

dear Sir/ma'am;
I want to draw and again remind your kind attention towards the problem we are facing till now....due to no response from your side i have to again send this mail . Our Car loan no. was LADEL [protected]
Your bank has charged us for the bounced cheques which was not due to our mistakes..it was the bank mistake. The bank had sent us a technical letter confirming us about that there is not the customer mistakes dated on 16 july 2009.....
Due to any changes in account details whereas there was balance in our acconut...your bank doesn't remind us and they send the Technical Letter which i have tolkd you above...We contacted to the icici workers...they were still promising that you didn't have to any type of charges...but at the time of NOC..they didnt prove their promises and saying us to pay charges..

So,,therefore,please take out from this problem and please give us a breath of relief ...
Thanking You,
Kundan Lal Sharma
[protected]
[protected]@gmail.com

Dear Mr. Sharma,

We are the customer service team at ICICI Bank. We have noted your contact number. We will get in touch with you at the earliest.
Regards,
ICICI Bank Customer Service Team.

sdfsdf — Very Very Poor service

Hi All,
I had submitted the documents to HDFC for home loan on 21st July 2010. After following up daily i was able to to get the loan sanctioned on 17th Aug 2010. After that i had submitted all the original documents to the HDFC Loan Khoparkhairane branch for disbusring the cheque in the name of the seller, for which they told that it will take 3 days..Its almost close to eight days now and they are sure of whern can tehy give me the cheque.

Friends..i suggest please don't Go for HDFC Home loan in any case. You will have to suffer alot. and you will be the only person who will be concerned and bothered..the HDFC home loan team is highly unprofessional and doesn't pick up the call also.

Please be aware.

GUYS JUST READ ON, THIS WENT STRAIGHT TO THEIR COMPLAINT DEPARTMENT:

Hi,

I have applied for a home loan from HDFC, and for the same I was asked to submit more necessary documents to your Business Development head Mr. S. Vishwanathan at Vadodara (Gujarat) office who visited my office a few days back to get some more insights on my business. So on his request, I mailed him on 31/08/2010 at 9:48 PM with all required documents, Quotations my Bank Statements. NOTE that I have already provided my IT return statements with the necessary documentation required at your head office at Trident Race Course Branch (Vadodara) previously. After frustrating 6 days I kept calling your branch offices, and Mr. Vishwanathan to get the status of my loan application. I have already elaborated on the type of Business, The budgets for each project, My Clientele to your HDFC branch at Trident Race Course, Vadodara. I spent almost more than 1 hour trying to explain my business to your loan eligibility department which is "Outsourcing, Web Designing and Web Development".

What kind of stupid and sick policy you have for responding back? Or all of you are the same from your CEO to your Sales representatives and all the way down to your peons? I have already paid my booking amounts for the Home I wish to buy which is a serious amount of money even for an employed and serviced person who are on your TOP LIST for loan eligibility opposed to business enterpreneurs. ERGO I am not exactly looking for a serious consideration of loan from you judging by the way your progressing apart from your sales representatives who make GOD like promises, and they are almost convincing! So, please cut the chase, put your eyes and ears and hopefully your head too; in this matter if that's not too much of a problem to your list of agenda, and REPLY BACK IF YOU CAN OR YOU CANNOT. I've made this so simple "WE CAN" or "WE CANT" or I have a better explaination "WE WONT". If its "WE WONT" or "WE CANT", please give me a miss call I will call you back FOR SURE! and save you a few bucks, and If so then I can move on with my life, and approach other banks WOW! apparently I already have done that ha haaa...

Regards,

i am Nirav Bhavsar, I am working with Essar Steel LTD, Hazira. I stay at surat on rent basis & I purchased house in bharuch which is ground & first floor house for permanant stay. i appied home loan last 2 months in surat but i don't got it due to some reasom which is i don't know. so do needful. my mobile number is [protected].
thank you.

Hi Guys,

I had applied for loan with HDFC Bank in Loan against property category, they took my processing fees and rejected the loan, stating this was RBI's policy where as CITIBANK gave me a loan without and took the fee after the sanction of loan... On this when we went back to HDFC bank, the Relationship Manager of Nana Peth, Pune branch Mr. Naik started abusing me and threatened me to do whatever I can, he said you can JUMP FROM MY WINDOW but I will not entertain you along with him the person who came to collect our document Mr Madhav also insulted me like I owed something to HDFC Bank.

I have never seen such a pathetic service from any bank like this. Do people sitting in their H.O even realise that the bottom of pyramid in HDFC needs to be taught how to handle customers for effective business?

I will spread the word and will never ever let any one in my social network deal with HDFC Bank...

Sub:-Application regarding information of rebate on loan.

Dear Sir/ Mam,

With Due respect, wish to state that my name is Manju Devi and I live in Jaipur. My address is MR. RADHEY SHYAM SHARMA, PLOT NO D-43, GANESH NAGAR, JODALA, SIKAR ROAD NO. 14 VKIA JAIPUR. With reference to this letter, I would like to tell that I am the nominee of account no. 701650 (CITI BANK JAIPUR).

The respective account number was held by Late. Mr. Radhey Shyam Sharma.Further, I would like to inform you that he is expired on 20.07.2010. Sir, my husband has died on 20th July’ 2010, during his leaving, he was granted a home loan by your respected bank of amount 607327. Which was issued on 02 April’ 2005 for construction on Plot No. 12, SHEKHAWATI COLONY, JODALA SCHEME VKIA JAIPUR, 302013.

Now I want to repay this loan, hence please intimate whether he insured the loan amount? If no any concession is available in such case for repayment.

I kindly request you to look into the matter personally and reply my query on [protected]@yahoo.co.in as well as hard copy on my residential address at the earliest for further decision in the matter.

Thanking you sir,

Yours Faithfully,


(Manju Devi Sharma)

This Letter Submit to Citi Bank HO.But Answer is awaited pls help

HDFC HOME LOAN BANK — Home Loan Approval Letter Not dispatch on time

Hi,

I did not received Home Loan Approval Letter from HDFCHOME LOAN BANK Pune , though my loan is alreay approved .

It's now 1 month i did not received original copy of approval letter

fees — refuse to repay my fees

helo sir,,, my name is jatin gera ,and m a residense of palwal in haryana... my add.is869/53 jawahar nagar camp palwal...
in month of april i join a institute of hotel managemet i.e RIG INSTITUTE OF HOTEL MANAGEMENT..so i join this ins. t do acpurse of hoyel mgt.. for this i gave Rs.10,000 sa an initial amt but aftre sme day i eanted to quit so that i asked to repay my fees ....from dat day ther are saying dat iuwe will repay you but still i did"t got my money..so i want to a case file against tnem..

plzzzzzz sir revert me soon as soon as possible

Subject: Delay in disbursement.

My name is Vijendra Kumar HDFC Housing Loan A/c is[protected]. I have given a disbursement request on 29th November'2010 for disbursement request date 2nd December 2010. I was following up by telephone[protected], no executive is responding correctly, some were saying chech is ready some were saying please confirm before coming to collect the disbursement check. Today is 8th, yesterday i called up on the same number one executive told me to come and collect chech by today after 3 pm. today i again called to confirm and came to know that check is not ready becuase of HDFC technical error. They took almost 10 days and telling me sorry for inconvenience. Tommarow is my last date to submit the amount to builder, builder generally gives 5% rebate on demand amount if we deposit money before due date. if i don't submit i will loose 5% rebate amount (INR 9000). Apart from this i had to go for holidays and i am delaying because of this reason. And HDFC executives say that they can not do anything if it is delaying becuase of thier end. I would request you to preapare my disbursement amount by today itself so that i can deposit the same to my builder. Thanks Vijendra Kumar [protected]

sdfsdf — Charges are very very higher

They are charging more and more for verification.around thrice the amount when compared to public sector banks.Please never opt loans from hdfc limited.....

HDFC — finance has not made intime

Hello!Myself is Dr Rajesh B. Upadhyay M.D. A classic customer of HDFC bank(client i.d.[protected]. In this diwali I have decided to buy a house at Rajkot worth Rs 30lacs. I was having three options for home loan,which include SBI, AXIS BANK & HDFC. As I saw advertisement in diwali edition of one magazine which says HDFC home loan is instant with only simplicity and no complexity, I have applied for HDFC home loan and my file number is[protected]/AM23.
My loan is already approved on 30th November 2010 after providing a number of documents one by one for two weeks. Then I have called HDFC executive and equire for documents for disbursement of loan. I have sent my file including all necessary document on 2nd december 2010 and have completed all formalities by 6th december 2010. Afterwards When on 14th december,I contacted officer of HDFC,Rajkot office for my loan disbursement, he refused and told me there are alot of queries in property papers. But according to my builder, these queries are neither satisfactory nor acceptable. Ideally all these queries should be made before approval of loan. If have taken loan from AXIS bank or SBI , I have not to face such a problems. Other customers of same builder received finance from other instiutions in a period less than two week. HDFC has taken time more than one month. It is my great mistake that I have applied HDFC for home loan. HDFC has wasted my time,money and mind.Now I am planing to withdraw loan application.

Home Loan — Extra deduction of Processing money

Sir,

I applied for Top up loan on my Property Initially bank sanctioned me 7.0lacs loan and deducted processing fees RS.7722 ,after one month when time came for money disbursment, they told me that property valuation letter has been lost through bank then they again did third party property valuation , finally they reduce the valuation of my propety and bank told me that you will get only 3.25 lacs,They took Processing money as per 7.0 lacs and loan given is only 3.25 lacs, so I want to get return of my balance processing money through bank which has been duducted extra.

Name Shambhu pratap singh
Application No. [protected]
Loan Account No. LBNOD[protected]
Processing Amount Deducted: Rs.7722
Loan Disburced:Rs 3,25000

Dear sir,
My self is Mr. Bhimsen Pandua My residence is Hinglaj nagar-2, Mundra, Dist. Kutch state, Gujarat, My home loans sanctioned by you since 1 1/2 years ago, I have already submitted all required documents at nearest HDFC Gandhidham branch.Recently we have sent 2nd time sale agreement from Mr. Vinod Kumar Gupta whose Home Loan Ac No.[protected], through Maruti courier in Gandhidham address as per your requirements. Please suggest me when will be survey and usue cheques against home loan.

Please note that sale agreement validity is 11.02.2010.

Thanks and regards

Bhimsen Pandua

Dear Sir,

Once again I request you what happen my sanctioned home loan survey.Many times complaint by email, cell phone but no response got from you, I have already submitted sale agreement which validity is going to expire. It is my second time submission.Home owner is warning to sale other person if not possible to clear loan also not refund my deposit money Rs. 3, 00, 000/-. Hence you are requested to look into the matter and call me for deed.

I am a Sr.Supervisory employee of Rlys. HDFC of hubli of karnataka has wasted my 50 valuable days time and amount to the extant of 4300 as processing fee (first took 9300/- as prpcessing fee and after 3 months returned 5000). they first told that sanction in 10 days and door step service. but they made me to go their bank for more than 10 times and after 50 days they asked me to bring a conduct certificate from my dept. officers. Further they told that this certificate necessary for only Railway employees. finally i took loan from SBI as i have vexed with HDFC delay and conditions. they will first take P.Fee money before sanction of loan. SBI is good when compare with HDFC for housing loans

HDFC is thoroughly unprofessional, poor and unskilled people for service. They cheats by always asking money for reducing ROI and always keep ROI the highest in the market. HDFC Guys do not know how to talk to their customers.

To
whom so ever it may concern ,

Dear sir/mam ,
it shocking for me ,that my cell network services by idea was all of sudden stop in this today afternoon when inquired about it ,from your service provider she told that my documents were incomplete ,i have submitted my photo id as well as residential proof true copies of the original documents ,i have the proof because i have the photocopy of all documents preserved by me.

If you are not ,recontinuing my service within a couple of hours,i have no other source and course with me except to launch a complaint against your network service in consumer court and to contact RTI about the same .

Hope that you will do the needfull immediately ,which may restrain me not to go for the further actions,which may not be good for such a big cell service provider company

such sudden discontinuation, disturbing a lot to me being a senior citizen

Idea — stopping the network service without sufficient reason,even though require and proper documents have been submitted by us.

From : [protected] , Ashokkumar,Rana

stopping the network service without insufficient reason,even though require and proper documents have been submitted by us.


To
whom so ever it may concern ,

Dear sir/mam ,
it shocking for me as i am a senior citizen such discountinuation disturbs me a lot ,that my cell network services by idea was all of sudden stop in this today afternoon when inquired about it ,from your service provider she told that my documents were incomplete ,i have submitted my photo id as well as residential proof true copies of the original documents ,i have the proof because i have the photocopy of all documents preserved by me.

If you are not ,recontinuing my service within a couple of hours,i have no other source and course with me except to launch a complaint against your network service in consumer court and to contact RTI about the same .

Hope that you will do the needfull immediately ,which may restrain me not to go for the further actions,which may not be good for such a big cell service provider company

HDFC BANK / HOUSING LOAN — interest rate changing

Sir,

I have been a home loan customer with HDFC for the past 9 years and regularly paying the same with out any delay.I have taken the loan in interst fluctuating mode , which was a biggest mistake.Now my complaint is that when ever there is a reduction in interest i havebeen asked to pay 5500 more to come to the ew slab . i paid 2 times in the last 9 years when they got reduced in the year 2007 and 2008. I started the same with 8% and after 2 times reduction which was from 8.75% to 8.5% and then 8.5% to 8.25% i paid the money to come to the slab. Now it has gone up and the present interest rate is 10.75%. I am keping on paying the money but the period remain the same. For new loans they are giving with lesser percentage. Sir, why is it so you have a customer who pay te same for last 9 years who as taken loan for 10 lakhs and still has a loan of 7 lakhs after paying 9 years. If we want to change the loan to the other bank again i have to pay some percentage to close.Sir, do you feel we are cheated. Again i am agraduate and in finance industry think about a common man who is loosing his house , lands etc to these private banks which is growing leaps and bounds and buying new corporates and making more profits to the share holders making poor and needy more poorer and needy.
regards
anand.hari

PROPERTY LOAN — want to do full payment of home loan with some discount.

Dear Sir,
Day after i take a loan the interest rate is increased ,Genuinaly i have paid all my cheques there is no any bounced cheque now i want to clear my full loan withsome discount on that, please let me out from this and my loan no is HFPC00000007.since 6 years i am paying there is no bounce cheque do some negotiations.

I totally agree with all the comments here. I had similar experience with HDFC. I had applied for Home/Land purchase loan to purchase land in Coimbatore. Submitted all the required documents and processing fees of approx Rs11, 500. HDFC initially said they will fund only 70% of the total land cost as it is a "Land Loan". Only for "Home Loan", they give 80% for the value more than 20Lakhs. Since I said, I cannot afford to proceed if I have only 70% and was about the cancel the Loan, they confirmed that they will give 80% of the cost. HDFC did confirm the date of cheque issue and we did fix the Registration date and called the Seller, purchased the registration papers for few Lakhs and taken a DD few thousands, Also paid the seller the remaining 20% of the cost. On the day of registration, HDFC says, they will give only 70%. Also the managers said "HDFC does not encourage and provide loan for Land purchase. Because I am an existing customer, they considered for the same". The Sales executives say something and promise something, the HDFC managers, technical assessor, credit assessor does something. Never go to HDFC Sales Executives or HDFC for Home Loan. Finally I had cancelled my loan, lost the processing fee. Due to all these HDFC issues, I was forced to think about ending my life. I had cried a lot. But realized that HDFC is a cheater. They do not consider customers at all. Around 2 full days been wasted at HDFC office and no use. Now I am praying god to get the 20% of the amount paid to the seller.

Friends, please go to Nationalized Banks only. Keep sufficient time between your loan processing, sanctioning, technical assessment by the bank and the final cheque preparation and the date of Registration. Do not believe the Sales Executives and their promises especially HDFC bank. If you want to purchase land/home, please do save amount (keep your savings in nationalized banks only and never in any of the private banks) and then plan for it.

HDFC is a chor company.

the biggest chor are workign with hdfc.

You can even get a job by payying big money(if you have) .

Mr . S. Viswanathan from HDFc ltd. Vadodara charges rs.25 lacs for a job with HDFC. If you want a job, call him on [protected] and he will give you the job.

all the best.

If you want an housing loan faster, take the business development manager for lunch, give him good gifts (more cash if possible) and u will get your housing loan in minutes.

Contact Mr.S.Vishwanathan (baroda) on [protected] for faster and immediate housing loan. Fees - Only Rs.25 Lacs.

All the best.

sdfsdf — Poor/helpless response by officials from Top to Bottom.

It was country,s esteemed bank as per as private sector is concern; but whole GUJARAT team is hopeless & manipulating with customers.
Essential to be streamline.
Please guide to proceed further.

Best regards,

Prashant Mehta, Ahmedabad.

[protected]

fees — reduce the college fees

GE. SIR AND MAM
MY COMPLAINT IS MY COLLEGE FEES ARE PER SEM IN MCA DEPARTMENT ARE Rs. 23,400/- BUT I DON'T KNOWN HOW TO INCISE OUR FEES WITH RS.27000 AND LAST SEM ALLSO.

I have applied for a home loan at HDFC Kollam Branch(Kerala state ). the loan was sanctioned in principle for 22L( Loan Number[protected]. subsequently I have identified a property of 26 L Rs at Paravoor Municipality region in Kollam district of Kerala state. the property is 8 cnt with a well built house of 900 square feet. as per the demands of HDFC executive I have submitted various documents pertaining to the property during a span of 2 month.At the end of all I have been told that an engineer from HDFC came for the valuation of the property and valued 15L only. but that time home was locked and gate also was locked. then how the engineer could valuate the selected property. and the so called valuation of 15L for such a property is quite impractical and hold good for 10 years back. next day we approached the bank manager and asked for the documents and processing fee. they returned back the documents but processing fee they did not give. in fact they have not done even a single Rs work for claiming processing fee of 11200 Rs. it is clearly evident that to trap 11200 Rs from individual as Processing fee and at last at some stage to stop the loan saying some fabricated reasons. I hope to get a solution in this

Regards
Md.Iqbal
[protected]

sdfsdf — HDFC NOT PROVIDING CERTIFICATE OF INTERESTS

I HAVE BEEN ASKING FOR CERTIFICATE OF INTERSTS FOR MY HOME LOAN AND STATEMENT OF ACCOUNTS BUT THE BANK IS NOT PROVIDING ANY INFORMATION
[protected]@gmail.com

pl.senstion my home loan pending five month per month send doucu ment salary sheet selary statement and other doucument but not responce of hdfc barelly home loan depart ment by mr. arvind saxena demond doucument per month but not respond my mob.secive.pl.contect to hdfc bank barelly home loan department .thank you

Never go for HDFC they will cheat you. And not customer friendly. Go for any toher bank other thatn HDFC for home loan

Dear Sir,

This is to put my grievance before you that I have been misguided by HDFC agent and employees from the initial stage of taking the referred loan. The HDFC agent misguided me by saying that the loan that has been approved is Home Loan but later I came to know that it was Home Equity Loan. Since 2009 I have religiously paid my EMIs right on time but I was jobless and could not pay my EMIs for six months. Further during these years I never got any intimation from the company that the rate of interest has increased and no. of payable months have increased from 180 to 540 .Approached Mr. Sidharth Agarwal who committed to pay an amount against which the interest put on me will be waived off and further committed that I will have to pay approx. Rs. 2000 which will reduce the rate of interest and no. of payable months.. I went all the way from Faridabad to Munirka and settled the dues by handing over the cheque to Mr. Sidharth Agarwal, honoring his words.He has committed that after clearance of the cheque, interest will be waived off and it will be reflected online in my account within a week but it never happened.After clearance of the cheque, this person stopped responding to my calls even.I am writing this to you today because Mr. Sidharth told me that he will not do anything to waive off the interest and threatened that if I write to the company he will further find ways to harass me. This is highly unprofessional and a complete cheat at the Company’s end.

I am getting reminders from HDFC Faridabad that my EMI amount will be increased forcefully and the no. of payable months have already been increased. Mr. Siddharth Agarwal is diverting from his commitment. This is a clear cheating and the COMPANY is responsible for this since its employees are misguiding.

I request the Company to look into this matter since I am not in a financial position to bear such heavy charges and increased EMI. I request the Company to:
Waive off the interest put on me.
EMI will be same Rs. 6245/- as I am already paying
Let me know a minimum and nominal amount to be paid to reduce the no. Of payable months.
Let me know the minimum part prepayment Principal amount.

Also I am not getting proper response from Faridabad office. Please let me know the senior person to be contacted for settlement.

Your prompt and positive reply would be highly appreciated.

Regards

Pradeep Chakravarty
Mobile : [protected]

Hdfc Bank — letmedeals.com

Respected Sir, letmedeals.com web site froud to my credit Card two time transition & widral Rs.13998+13998=27996/- Please take it action this complaint & FIR. NB: My Money Refund !

Dear Sir/Madam,

I booked the Flat No 103 J Wing Gokul dham Zone 2, Vrindavan Nagari, MIDC, Navapur Road, Lupin circle, Pamtembhi Village, Boiser(w).I discussed with your Vasai branch related to Pradhanmantri Awas Yojana (PMAY).He replied me this area is not covered under this benefit.But Yesterday I went to ICICI bank for home loan they have agreed for giving PMAY subsidy for Boiser (w) location. Still I want loan from HDFC Bank.
If you are agree for giving PMAY subsidy as commitment by your executive at the time of form filing. Otherwise I request you please refund my processing fee Rs 8630/.

Thanks,
Raghavendra

Dear Sir,
I'm a Existing customer of HDFC Abnk hodling hdfc Credit card.my credit limit is 20k only i requested customer care executuve for the same but didn't recieve any positive feedback.

Being a customer of hdfc i[censored] cant exceed my credit limit ...i will close my acct n move to other bank...

Sir,
The HDFC Credit Card has been associated with AVA Merchandising for supply of goods through mail. I placed an order for Citole Watch which was processed and confirmed on 23/8/2008. Despite elapse of 14 working days I have neither received the aforesaid ordered product nor the promised Free Gift Louis Quartz ladies watch.
In the process the good name of HDFC Bank is also being tarnished. We request HDFC Bank Credit Cards to positively influence AVA Merchandising to immediately ensure despatch of the ordered goods otherwise HDFC Bank reputation will also suffer in the eyes of the general public.
An earlier email to AVA Merchandinsing has failed to elicit any response.
Aruna Dayal

I am a customer of HDFC from past 2 years now. I had placed a request for issiubg a new debit card around 20 days back. I have received my pin number but have not yet received the card. I had given a call on the customer care number and was informed that my card is at HDFC's dahisar branch. Whenver I call ur dahisar branch there is only one reply which I receive that is somebody will call u back and still I do not receive any call. The behaviour of people from ur dahisar branch has been highly annoying.
Request yoy to please look into the matter and take an appropriate action at the earliest.

Sanjana Anand

Hi all..
I'm Hema.. i'm holding hdfc credit card.. usualy i get cols frm customer care for my payments..
Actualy i'm in general shift and i work for 12 hrs (7:30am - 7:30pm)... and the mobile phones are not allowed inside my organisation (Strictly prohibited)..so i don carry mobile with me..
customer care cols me during the day times and i'l b nt able 2 pic the cols.. this is not my fault!
either they shud col me on sundays or they shud send me messeges..
But i wonder how come hdfc can train their customer care in such a worst way as well can provide such a bad service..????????
as i'm not able to pic the col.. one fine day i got a msg frm a mobile num..(" what u have desided and reply back")..
i wonder..whose num is this.. and i cold up back on the next day.. i came to knw its customer care..
when i ask them wat kind of msg is this? their reply is (Ms. hema why cant u pic our col? i[censored] are not interested to pic our col. let us knw immediately! dont do these kind of nonsense..! we are not jobless here! atleast do u have any idea to make ur this month payment or? u dont hav sufficient fund in hdfc a/c so hw can u make payment? )
wat kind of service does hdfc provides...??????????????
Does realy the HDFC running the customer care to service the customer or to interfear in customers personal?
For a kind information HDFC or their customer care is not a bank...

CUSTOMERS is ur BANK...

Dont loose ur customers by providing such a Worst service...

Hai..
I am swetha, I am an existing savings account customer in hdfc bank for past 3 years... And also i am holding your credit card for past 3 years... last 3 months i am in mumbai, due to some problems i cant able to pay my credit card payment, and also informed to your reps that, after coming back from mumbai(april 12) i will clear all my payments. you people are not at all understanding the customers... due to this your credit card section people hold my savings account funds (Rs 9614)... their is no rights, and who are you to hold my savings account.. this is not a way to collect funds from your customers... you can loose your customers easily... if you do like this i will close my account and move on to other banks... and also i have alreads taken one personal loan in your bank, it was completed succesfully... and started the 2nd loan for 1 lakh past 3 months they are clearing by ecs... if i close my account or stop my accout, here after you cannot receive any payments for my personal loan and credit cards.. i clearly understood that their is no security in your banks for your savings account holders. what a bad service is yours... if you dont release my account in 3 days... i will take legal actions easily, becoz my father is a police... and also i will do what is mentiond above... i am sure that i will close my savings account immediatly, and also i will see how you people will collect the amount for personal loan...

Request yoy to please look into the matter and take an appropriate action at the earliest.
Save your customers...Dont loose ur customers by providing such a Worst service...
Toni swetha...

I am vidyasagar, holding HDFC Credit card No [protected]

My Toatal Due amount for the month of march is 11196 INR, my statement date is 18/03/09

But i have not got statement on 18/03/09, they sent to wrong address, later address they updated by asking me on telephone, At finally i got statement on 4/04/09 to my new address, So immediately i drafted a chaque of OBC bank . Now i called customer care, they are telling 500 Rs fine already charged

I request you to Nully fy my 500 rs Fine, As it is absolutely your mistake which u sent statement to wrong address...

Hi,
I am Merwyn Arokiaraj, a card holder with HDFC.
I should say I had no problems with HDFC and I was happy with the service they provide me.Perhaps that is the reason, I have a HDFC loan, HDFC Savings Account, HDFC bike loan and HDFC credit card.

Now, I am totally disgusted with the service of HDFC Credit card.
There was a complaint which I made in the month of SEP, It is not resolved till date. Ideally I should be offered refferal rights because they have not dealt with my complaint seriously and have not respected a customers emotions. Infact there was no acknowledgement, no call backs, nothing at all. I had atleast called in around 10 to 15 times, spending the valuable time, been hours together on phones to sort this problem. unfortunately the problem is not resolved yet.

Let me tell you what is my complaint for the last time. When I called in HDFC customer care for credit cards in the month of September soon after my dads death due to heart attack, after the service they offered me a bajaj alliance health insurance 'for me and my mom'. I wanted to know the details.The lady whom i spoke to arranged a call back on my no. I received a call back from HDFC from a landline no. could not remember the name of the person as it is more than six months now, the person gave me the details on the pol, ...I conf let me look into the details, and i will get back to HDFC in case I wanted to take the pol. the person manupulated as I am not aware how it works with banking and Insurance the person conf that I do not have to worry, conf that I would receive a call from the Bajaj Alliance, asked to conf yes to what they say, gave the details what i need, confirmed that once I agree to what they say they would send a policy document, after
checking the policy document if you call back HDFC and conf that you want to go ahead with the policy then we would start collecting the premiums from your credit card. Incase I do not call back within a month the pol will automatically be void. Well I did according to what the person asked me to say, ...i did not receive any policy document and I see for the next month bill there is a bajaj alliance premium collected from the credit card.

I have made a complaint since than and the amount is not been put back. And after six months a girl by name Shweta called back and confirmed that we cannot take off that amount. It is rediculus, I have spoken to Shahanaz, Ramya (Manager), Manish, Priya, every one conf that it will be put back and its not done. And I am not ready to pay anything which I have not spent. I would not pay this amount which is linked to this Bajaj Alliance pol, ...around 7800.00 rupees. I would not pay any amount to HDFC till they get back to me and conf that they have taken off this amount which is probably showing on the Nov statement.I would like to have an acknowledgement of this complaint and I am sure you can trace the person who actually manupulated to get his lead.
I have also given a written complaint faxed to HDFC. there is no respect for the complaint which I have made. Please Cancel the Pol and remove any charges which you applied due to Bajaj alliance pol.

Hope to receive a reply.
thank you,
regards
Merwyn A

I am very sorry to state that since last 1 ys HDFC bank credit card division in rajouri is harrassing me by demanding whatever amount they could. I asked them the details/statement of my purchasing and my amount paid every month. but no response from them, instead of that some or other female calls up and start ..demanding money... I asked them for full and final settlement but they are not aggreeing. i said i will pay the money in court. please help me iam not in a condition to pay. i have left my job. My card no- [protected].mobile-[protected].they are demanding Rs 70, 000/- but i am not in a position to pay. i can pay in EMIs that too with the proper amount. I know credit card division is cheating me my adding some tax and some latefees. i used to pay the amount to there collection agent. plesae help me from this fraud. Regards Rakhee

I got my credit card on 18 april 2009 still i have not received my PIN or my credit card is not active.
Please solve my problem.

M OPENED NEW CURRENT ACCOUNT AS NAME KADER QURESHI INFRASTACURE URS HDFC BANK INTO BAVERLY PARKMIRA ROAD BRANCH BUT BRANCH PERSSANALS TOMUCH HARASHED ME REGARDING WELCOME KIT THE WELCOME KIT IS ALREADY THE BLUE DART COURIERE SERVICES BUT THEY DELVERD TO ME WHY I DON, ' KNOW .
MYSELF HAVING NUMBERS OF BUISNESSES SOME OF ACCUONT M CANCELLED WITH SAME BRANCH DUE TO VERY VERY POOR SERVICES NOW QUISTIONS IS WHY M AGAIN GO HDFC BANK FOR NEW ONE AS PREVIESLY M SUFFERED BADLY COZ MY FAITH IN HDFC.
THE BRANCH IS TWO MINUTES DISTANCE FROM BUNGLOW I THINK THE SYSTEM MAYBE CHANGE BUT THERE WHEREIS AS THEY BEFORE SO FINALY ONCE AGAIN M GOING TO QUIT THE MISRABLE THINGS M INVEST IN HDFC ABOUT 12 TO 13 LACS NOW M AFFRIED THE GO WHICH WAY.
SO KINDLY TAKE VERY DEEPLY COZ NOW M HAVING SHIFTED MY ACCONTS TO KOTAK MAHINDRA AS ALL ACCOUNTS FROM HDFC M DISSAPPOINT FOR THE SAID SERVISES M STILL HOPE DO NEEDFULL & KEEN URS STAFF HDFC FUTURE.

REPECTED.SIR/MADAM
SOME SPELLING MISTAKE TO BE CLEAR THE BLUE DART PEOPLE NOT HAND OVER MY WELCOME KIT..WHY I DON'T KNOW
THE BANK STAFF INCLUDING BRANCH MANAGER PERFOMANCES IS VERY VERY POOR..M SPOKE TO CLUSTER SANJAY MAHAJAN BUT HE HAVE SOFT CORNER BM MISS WINKLE OHSAN.

YOUR'TRULY

A.K.QURESHI

Dear Sir/Madam,

I hereby express my deep dissatisfaction I hold currently with HDFC as its account holder after a long compromise on the bank's attitude. But i should say the customer service departments attitude had been terribly disappointing and very irritating almost at every encounter I had with the bank.

To start with I am an salary account holder of HDFC; not because I had a genuine natural interest in HDFC but because the organization that I work with had tie up with this new private bank. I had no option but to open a salary account with HDFC.And when I was opening the account there was enough pressure on me to get a credit card as well as it if life time free and I happened to sign it to avid the through follow ups to 'take the card'. And that’s when my problems started with the bank. (Details of the credit card - I do no feel comfortable revealing online but on your contact to my personal e-mail Id, I will be free to disclose the same)

In btwn Aug - Sept 2006 - I opened the HDFC credit card.

In Dec 2006 : I had a 'stolen & replacement' fraud on my credit card .

When I called the customer care, there were of least help initially because they were hardly enquiring as to what has happened instead sounded suspicious with me- which was funny. They were however at least kind enough to tell me the shop names where the card was used. Along with my husband, I did the initial investigation (being worked with the fraud analysis dept) and with the help of the shopkeeper, we were able to identify who did it. WE CALLED THE BANK GUYS and asked them to deal it further 'their way' now that we know what happened. One executive by name 'Mahesh' has come to my home and I have told him very clearly that - ''PLEASE CLOSE MY CREDIT CARD ACCOUNT''. He said IT WILL BE DONE once I sign the fraud declaration, which the bank has sent to me couple of weeks later and I have signed it & sent them back. In 2 days of time. FROM THEN, I HEARD NOTHING FROM THE BANK FROM THEN. When the fraud happened in Dec 2006, I roughly remember the total due on the card was app. 33000.00 Rs 30000.00 was fraudulent which I have recovered from the fraudster with the help of the agent. However the rest app. 3000 (I hardly remember) was due from my side. As it was Christmas time I have requested the guys to come and collect the payment the next month i.e, January 2007. IT NEVER HAPPENED. There is absolutely no resp from the bank re my request from Jan to June 2007. When I get the statement I very clearly told them that I won't pay the extra charges for no fault of mine.

In June 2007 - I had an assignment to go to LONDON for few months on business. Before going, I have called up the bank and spoke to 'swapna', I guess - and told her that I wont be available in India for quite some time so please send somebody to my home so that I can make the payment and even if i am gone I am leaving the money behind, please collect. The girl was happy and so was I. BUT IT NEVER HAPPENED. I retuned Dec 2007.

January 2008, I get a call that the amount is due !? I call up the customer care and they apologised and asked me to make a 1000rs payment and the account will be closed. I did it the same month.

This is May 2009 - almost 2 years of my request to 'CLOSE THE ACCOUNT AND SETTLE IT'. In spite the guys never turned up to collect the amount, they went on adding the charges for these 2 years and at last made up the amount now close to some 5000.00 rs, which is ridiculous.

When I speak with the customer care - they are hardly aware of the facts because they don’t have a track of my record. They divert me to 'Collections'. And the girl that spoke to me is the most 'un-empathetic', un-apologetic' and stubborn girl ever bluntly throwing the 'attitude' that she can do nothing and I have the make the total payment !? Repeating the same statement word to word like a feeling less machine with absolute no consideration to what a customer would go through!

This is totally BAD

FIRST : EVEN AFTER SIGNING THE DOC, THE BANK DIDN’T CLOSE MY ACCOUNT.
SECOND: I DON’T HAVE THE ACCOUNT AVAILABLE ONLINE FOR ME TO MAKE ONLINE PAYMENTS
THIRD: I WORK 6 DAYS A WEEK AND I DO NOT HAVE TIME TO MAKE PAYMENT BY WALKING INTO BANK's BRANCH.
FOURTH: MANY REQUESTS ASKING THE GUYS TO COME TO MY HOUSE AND COLLECT THE TOTAL PAYMENT WAS NEVER CONSIDERED.

I work with multi-national bank and my work involves a lot of travelling (internally and abroad). I work 6 days a week and have only Sunday as a holiday. I have told this matter to the bank guys a hundred times already, whenever I call them or whenever they call me but still the calls and chasing wont stop. Often, I had calls from the collection guys of the bank 'reminding' me to make the payment - enough embarrassing and annoying, when you were to be 'reminded' in the middle of a busy day.

I request you most humbly please consider this and the many times of embarrassment the bank would have passed me through, not only by not acknowledging my requests but by continuously chasing for the amount which I am not liable for!?

Appreciate your quick response.

Dear Concern, I have not recieved my credit card statement to my address. Kindly mail it to my e-mail id [protected]@hotmail.com. My Credit Card No. is [protected]. As I am reiceving harassment call from the collection agent from nos. [protected] (Manish Rajput) and [protected] (S K Sharma).

HI.. i'm aravind from chennai... about 6 months ago i lost my credit card and requested for the replacement.. till date i didnt recieve it. when i call d customer care i'm getting irresponsible answers and doing the same crap again and again. My account with hdfc is a salary account so the dispatch address is my work place and i'm doing nyt shifts.. several times i called cx care to make a note in the dispatch that i need to get a call when the courier guys reach my work place.. still the same thing is going on. upon extreme frusturation i called the customer care few days back, and i was not getting proper response. so i used just one single word (fuk)..thats it.. the guy who took the phone call started being harsh.. i[censored] hdfc guys dont have the patience to listen to customers dont do business period. i dont know whos going to read this but i'm letting everyone know that i'm an extremely dissatisfied customer o[censored]r bank and i'll switch my bank if this goes on and on...

credit card no [protected] with reference to card i have written so many times to HDFC Customer care that from last one year unnecessary charges are coming in my bill taht amount Rs 25000/- and total out standing is 68809/- you are requested to kindly close my cards and make the amount in final, so that account can be clear.

Dear Sir/Madam
This is to inform you that my present working ofice has been shifted to new premisis at St.Marks Road. So I kindly request you to deliver my New credit card to below mentioned address. Also please inform to Bluedart courier immedietly. Since last 5 days i'm trying to get my card also i have given my new address to Bluedart courier, but still there no response from both HDFC and Blurdart courier. I never expected this service from HDFC.

Name : RG Girish
Customer ID : 32502320
A/c at Branch : Malleswaram
Bluedart AWB : [protected]
A/c Number : [protected]
Cell Number : [protected]

Again I request you to deliver my New credit card to the following address"

Old Adress:
#343, 11th cross, Sampige plaza,
Sampige road, Malleswaram,
Bengaluru 560003

New Address:
Electronica Hi-Tech Engineering Pvt Ltd
#304, 3rd floor, House of Lords,
15 & 16, St.Marks Road,
Bengaluru 560001
Ph:[protected], 42110312

With Regards

RG Girish
Engineer - Electronics
Electronica Hitech Engineering Pvt Ltd
St.Marks Road,
Bengaluru 560001
Cell:[protected]

i am shanmugam, after paying the amount to the credit card for bajaj alliance insurance through hdfc credit card i have not recd the insurance or policy. i have sent a lot of e mail but there is no rsponse. the policy is one year validity. already 6 months over.

my card number [protected] platinum credit card

pls tell to reback the amount or issue the policy as early as

these kind of cheating company are still surviving in the market???????

pls friends be careful in the activities of credit card

rgds
shanmugam m

hi sir/madam,
i would like to bring your attention towards the following mail. as i am already in a big debt due to loss of job, still want to clear this debt, and hdfc staff is harassing me by giving me threating calls and sms's by saying will come at your place with recovery team and threatening calls more than 30 per day.i have to switch off my mobile to get peace.please help me to get out of this debt, or guide me a way to complaint to ombudsmen of hdfc.
hi---
Shweta,


This is Saurabh Kochar, from Bihar. the card holder of hdfc- replying for the e-mail as under --
well i am very interested to pay back, all my debts, however, i am hanging between loads of debts and have to look after my family also, as i am the only source of income. And recently lost my job, got under lots of debts. Well i am very positively looking to pay the whole amount, but i wont make payments of the amount i disputed along with that the late fee and extra interest charges levied on the disputed amounts, which according calculation should b only around Rs.20, 000, .and i have already sent various e-mails n mails, faxes delivered documents.but no investigation has been done on this, neither the amount has been revert back to my card. So i need written documentation of the bill without the dispute charges, if you want me to pay on card. else i wont pay a single rupee. As i am not earing so much to keep on distributing money that i have not spent.i am CC this mail to hdfc ombudsmen also.
thanks
saurabh kochar.

--- On Tue, 7/28/09, ShwetaS.[protected]@hdfcbank.com <ShwetaS.[protected]@hdfcbank.com> wrote:


From: ShwetaS.[protected]@hdfcbank.com <ShwetaS.[protected]@hdfcbank.com>
Subject: credit card due [protected]
To: [protected]@YAHOO.COM
Date: Tuesday, July 28, 2009, 12:26 PM


Dear Mr. Sir/Mam,

Re: Your HDFC Bank Credit Card # -[protected]


This is with reference to the above mentioned card account.


We would like to inform you that there is an outstanding amount of Rs.39, 429.49 as on date on your card account Minimum Amt Due Rs.3910. We request you to kindly effect immediate payment of atleast Rs.1930 to avoid further levy of charges. Post your payment the card will be available for usage.

Please do get in touch with our Debt management Executive at the following number for any further clarification.

Ph : 42200548/[protected]


Assuring you of our best attention always.


Regards,
Shweta Singh,
Debt Management Team,

I have wrote the delhi police against these types of hrassment call from these bad guys.
This man S K Sharma called himself a lawyer and always say to mediate if anything would be wrong. [protected] (S K Sharma). I have made a complaint against him.

Sir again there is another problem with PNB ATM.As alreadey there is long list associated with PNB ATM fake amount deduction although amount does not come from machine.

I am a account holder of HDFC bank, Rudrapur branch with the account no.[protected] & MICR Code is[protected] but on 01/08/2009 i had to use Punjab National Bank ATM (Address of ATM is given below) after whole process done the amount INR 2300.00 didn't came out from machine but its deducted from my account. So, kindly do something against this fake deduction. as i seen this problem is not only mine but with other customers also.Kindly do as needful as soon as possible.

Name Punjab National Bank
Address Mata Mandir Road, Kashipur, Udham Singh Nagar, Uttarakhand, Pin - 244713
Contact Person Branch Manager
Telephone +[protected], +[protected]
Directions Mata Mandir Road
Timings 10.00 am to 5.00 pm
Closed on Sunday Closed
Facilities Lockers, Loans, Customer Care, Foreign Exchange dealing
ATM Locations ATM is available in the bank premises

Thanking You

Anoop Pushkar
Contact No. [protected]

Sir, My brother ratan kumar, recieved atm card over a month ago.But hehas'nt received his password.so, i kindly request you to look after this matter.

Pls send my credit card statement on my email address as soon as posible.

hi,
i am prashant dixit so mr. ajai kumar dixit. he has a ac in hdfc bank and also he has a silver mastercard credit card - [protected] which is lost, other person is used this card. plaese stop this credit card services
i humbly request to you

yous hdfc ac holder
ajai kumar dixit

hi, i am prashant dixit s/o mr. ajai kumar dixit, he has a c in hdfc bank and he has another silver master card is stolen and is card no.[protected]. please stop this service .

i have got one letter from lucknow . they want to recovery for libilities. it is stolen by other person . please do help.

i humbly request to you please stop this card no.

i want to know about hdfc pnsion planing sceam, so please provid methis sceam

thanks
manoj rai

I have my saving accounts in HDFC Kurukshetra (kkr). I have given the debit card pertaining to my savings account to my dad as i dont live in India. 2 months back he lost my debit card and was able to block it and submit the request for the new card the same day. Since then we are waiting for that "beautiful" debit card. It seems HDFC dont want me to withdraw my own money from my account. My dad went to the bank in person to see what bank is up to.

They are not ready to courier the same to my local address in Kuruksetra and want me to be present there to collect my [protected]@#$in debit card. I really dont understand the logic behind it. I have spent so much money just to courier the duly signed request form to the bank from overseas and this is what customer gets...

I request the bank to look into this matter ASAP, else i need to take a step further...

Thanks

I have applied for Credit card but not yet receieved . Courier person comes at my office address but at that time i was not present, now the person has gone back for 2nd time and the SMS courier servises have sent was deleted by misktake, Now courier company is asking for shipment number . I called to customer ser vices but they said they dont have the number, so what should i do next?
Please advice?

Umesh Mahajan — Loan against credit card

I never raised a loan of credit card of Rs. 955418/-. My PAN is AHHPM9885D.
My D.O.B is[protected]. Resident of 5- cheema nagar, mithapur road, JALANDHAR.
PIN: 144003. please inform the name of the bank who issued this credit card.

Yours sincerely,
Umesh Mahajan

I am an existing customer of HDFC Bank from the last 3 years. I hold 1 credit card and also had a savings account with HDFC. i had some overdues on my credit card and i was not able to make a payment for 1 month. I started getting calls from HDFC Bank regarding the payment. I explained them that i will not be able to make payment for few more days due to some financial issue and i am ready to pay the interest and all the other additional charges. But the guy who is calling me is not understanding. I have even talked to customer service and they say that if i am ready to pay the late fine and other charges applicable on the card due to late payment, it's ok. But the Gentelman from HDFC Bank Collection department keeps on calling me and is using abusive languages, and saying that " i will keep on calling you and bother you and your family till you make a payment. The kind of language he is using is absolutely unacceptable. I called customer service serveral times and they say that i need to give his name and the no. from where he is calling me but the person does not give me his name. He has my other no. also including me house no. and he is calling those no. also and abusing whoever picks up the phone, irrespective who it is whether my mother or brother. I have decided to complain this to police but before this i want someone from the bank itself to take care of this serious issue. This is the kind of service i expected from the bank like HDFC. If this way they treat there customers and if no proper action is taken against the person who is calling me i am sorry that i have to close all my account with this Bank.

Savings Account No.: [protected]

Note I have already send more than 4 mails and also a call to the customer care with no response.

First, there has been a deduction towards AQB, even if the bank had mentioned this (as stated by your customer care agent) I have NOT TAKEN COGNIZANT of this issue, as unless there is any discrepancy, I do not bother to read carefully any bank statements.

ICICI bank also had revised their AQB, and I had similar issue with them, but on contacting ICICI customer care, they agreed to reverse the amount (pleasantly so!) this facility is extended to all ICICI bank customers one time during the lifetime of the account. Naturally, after first instance it is the prerogative of the customer to maintain the stated AQB.

I request you to CLOSE MY ACCOUNT, as I do not want to deal with bank with rigid norms, which does not want to take into notice there are many customer friendly banks like ICICI.

Note, I shall be maintaining ZERO BALANCE henceforth, request your to close my bank account with immediate effect.



Dr. Hemanth

Dear sir,

Please be informed that myself Aman preet singh. i was using HDFC credit card [protected] & i used amount rs.52000 as per your bank guys told me from may 2007 to till feb 2010. But I paid rs.65000 as per your bank statement. But now your guys are asking me to pay more rs.47000.

After all I decided to pay all the amount because I want to close my credit card regarding this first I met Mr. chetan and he told me he will mail to Chennai for my settlement at that time he said me I had sent one mail to Chennai and I am waiting for reply from chennai but after that when I didn’t got any reply from chetan side then I visted your head office branch that time I met Miss neha because cheten was not there & as per neha she is the senior of chetan she told me she will do the settlement in rs.10000 and in the front of me she sent one more mail to Chennai but she requested me to pay rs.2200 at the same time and also she told this money will deduct in your rs.1r0000 amount. after that he took 2 weeks after 2 week I visited again she told me it will take some more time and you have to pay rs.2300 more and I paid. Mean 2 time I paid rs.2200 and rs.2300. But when again I didn’t got any reply then again i visited bank branch that time neha was not the one more new guy mr. manjit was there and same story he told me mean he will send the mail to Chennai but you have to submit rs.5000 . But I rejected that time. I don’t know what this guys are doing only making a fool of the customer.
And after that I dropped one cheque of rs.5000 in my bank they block that amount due to non payment of the credit card. Again one more check of Rs. 27950 they blocked .Regarding this issue I met Mr. abhishek verma ( Holding Deptt. Head.) & he told me he did’t got any mail regarding settlement of 10000 I shocked and he told me according to our bank your settlement should be rs.34400 minimum & before some amount which one I submitted that they will cut in 34400 and total amount I have to pay rs.24900. And I have to pay in 4 EMI which is rs.6246 each month. Again I accepted & also I filled one holding payment form and after 7 days I got the hold payment. But still settlement form is not with me . can you explain me is this & is this real face of HDFC bank. Now please confirm me the exact date to get the settlement letter don’t tell me this week or four five days story.




Thanking you.

Hi
I am an employee of HDFC bank, Rajouri branch, Delhi. I have been working for the bank in the investment sale department for last 4 months. Now sachin chaudhary, sales manager asks me to leave my job & he is not paying the salary to me for last 4 months. I am seriously very disturbed as i always got applaud from my seniors until last few days as i guess now they are taking it personal on me. I need help.

Thanks
arti

Dear Sir,
MY HDFC ACCOUNT NO.[protected] Yesterday i took my money from Axis Bank ATM center tamilnadu thiruchengode branch

First transaction dt;04.11.2010 time;18.24, atm id S1AW690, i check my balance Rs.19897.24/-, second transaction at same time i take Rs.10000/-, third transaction i enter Rs.5000/- but the amount was not received, account balance is reduced. MY MOBILE NO.[protected]/ SHIVA KUMAR.T . Pls respond immediately.

Dear sir,

This is to inform you that the following AQB charges debited from my salary account No. [protected] without my knowledge.and nobady can proper response for that amount where shoud be revert.

Therefor I may request you please revert my amount with intrest amt which is applicable as per abanking norms.

But I can say thoughtly your banking system is very poor as well as other banks.

Thanks and regards

Truly yours

Prem singh
Tel No.[protected],

Dated Amount
06.01.10 827.25
10.04.10 827.25
07.07.10 827.25
16.10.10 827.25

i am living in Dasuya, Dist - Hoshiarpur . At 11 PM when i visited your ATM machine in Dasuya for credit card payment and the guard was sleeping inside and did not open the door, i shouted to open the door because it was last day for credit card payment and now credit card cell will charge me huge amount of intrest for late payemnt . Now who is responsible for this customer myself, ur bank or that guard...waiting for ur kind reply...

Dear Sir/Mam

I am Hanuman Prasad Yadav, Credit Card no [protected] was trying to fill online form of CBCE CTET NEW DEHLI though payment of the cefit Card date 04/5/2011(first entry)

Due to network problem transation was not complected sucessdully but bank has deducted rs 500 plus intercity charges

I have earlier complaint ( Complaint no- [protected]) but till date not resolve the matter.

Kindly look into the matter

Mail ID - [protected]@gmail.com
[protected]

please refund the deducted amount as soon as possible.

with regards
Hanuman

Hello, My name is Amit, I have applied HDFC credit card two months back but till now i haven't get it and no updates as well. Just took my documents two times. Many times i tried to call but every-time Ur customer care number engaged. Last week i got a message from hdfc having application number so i am mentioning that her: [protected]N1. This is really bad ...So please tell me the status or updates if you are not in the intention to deliver it than i can go for any other bank credit card. Please reply

Hi,
I m very very disappointed with HDFC saket Branch New Delhi.
I m sitting in hdfc saket branch & nobody is helping out.
I[censored] dnt knw abt cust satisfaction than learn first & deal with cust for better services.
Bank policies are imp for bank but not more than a customer. You made these basted policies just becoz of cust
becoz of custs.. Customers are giving u business so how can u treat a cust in such a behaviour.. You r very useless & i m also going to write ur HDFC CEO as well.

Regards,
Gopal Nagar.

Hi,

My card no is[protected] .This card was taken in the 2007,It was misused by my friend with out my ignorance.I came to know that my friend has not paid full amount and it was setteled. Due to financial problems i was not able to pay full amount at that time.Now i want to pay the due amount.When i call to the HDFC bank customer care each and every time i call them they are giving different numbers to contact settlement department.No one is picking the call.From past 10 days i keep on dialing the numbers but none responded. Please let me know the due amount in my card and also the process of paying .Please do the need full

my mail id is : [protected]@gmail.com

Regards
Navaneetha

plz.sent Reason my mail id [protected]@gmail.com 2 time disapproved

in the credit card application form)




Application Reference Number [protected]N3
Status DISAPPROVED
Remarks A FORMAT OF THE COPY OF LETTER SENT TO YOU HAS BEEN ATTACHED FOR YOUR REFERENCE. PLS FULFILL THE REQUIREMENT AND RESPOND TO US FOR PROCESSING THE APPLICATION FURTHER. THANK YOU

This is regarding my credit card account card no. [protected] which is linked to my salary account with customer I&#039;d 24653933. I had a balance of 32000 to be paid on which I ws making some paymtn every month but was unaable to make the complete payment because my wife stopped working and she went through a spinal. Cord surgery. The bank blocked my salary of 35000 post which I have been trying to get in touch with the bank. I haave been calling them asking them that I want to make that payment. The bank is niether releasing thaat money nor they are transfering that amont towaards my credit card balance.on top of that they are just putting charges on my account because of which the amount has now gone to 40000. Every time I call them they provide me with a number to call which never works. I am struck and not able to understand what to do since the mooney which I can pay towards my credit is he&#039;ll with the bank. The last time I contactd them they said that they will arrange a call back for me but they did not. I am willing to make the paayment but they are not letting me do that and not at all cooperating. Rather they are just putting more and more charges on my account. Please help me

WORST SERVICE BY RANIGUNJ(HYD).EXCUTIVE MISS BEHAVES WITH CUSTOMER

HI I AM ONE OF THE SUFFERED GUY WITH HDFC BANK WORST SERVICE PLEASE DONT BELIVE HDFC PEOPLE AND BANK...THEY R READ TO CHEAT WITH BLANK CHEQUES AND SKIP AWAY AT LAST I FOUND THAT GUY...PLEASE DONT GIVE CHEQUS AND OTHER...

Credit card delivered to another address

Credit card delivered to another address please check my registered my mobile number that is [protected] and my application reference number [protected]J0
i conformed to postman through given speed post number and he says your credit card delivered to jabalpur city
please contact me on [protected] or shahid[protected]@gmail.com

Deductions which has not been refunded yet

I got my mobile phone recharged but the money was deducted twice from my account but the money was not refunded yet

Not accurate in information & regarding my credit card

Not a proper response & my credit card statement not received

I been able to clear all my bills with the help of [protected]@gmail.com, I received $15, 000 from them immediately after making payment, they are legit