HDFC Bank Complaints & Reviews

I got the following msg from HDFC bank

Congratulations! Your completed Personal Loan app is now accepted. Pls.quote Ref.No 16014383 for any status update- HDFC Bank.T&C Apply

But after 1 week when I enquired they told me that the loan has been rejected cos my companys profile was not satisfactory. Please help.

I had taken the home loans from Centurian Bank of Punjab Ltd.(CBL) around 3-4 yrs. ago at the rate of interest of 10-11.5 % later the Bank is merged with HDFC Bank and rate of interest has been revised around 15.5 % and after some time reduced to 15.25%.
And bank is saying that HDFC home loan rates are not applicable for CBL loans and I have to pay the home loan at rate as equal to personal loan rate. Bank is not ready to revised it and charging huge amount for Preclosure too.

Pl refer to my HDFC Bank Quarterly statement in which the following amounts have been shown and same have been debited to my above said account:
23/9/09 CCP D 200.00
23/10/09 CCP D 200.00
23/12/09 CCP D 68.82

I have been contacting the bank since last more than 15 days . They lodged a complaint also. But thee is no result.

Kindly look into the matter and effect the reversal of the said amount.

Regards,

B.K.Saxena

Mob: [protected]
[protected]

Hi,

Kindly note that 1 year ago 1 executive from charmwood branch Faridabad(HDFC Securities) called me up and told me that there would be lifetime free demat acount provided to you.now they have charged 551 rs for demat account.when I have gone to HDFC Demat desk NIIT Faridabad for complaint and closer for account no information given me and informed me that trading account no will be provided by charmwood branch now 1 executive call me from charmwood branch that all information will be provided by HDFC Demat desk NIIT Faridabad Branch now pls suggest what should I do.niether they refund me my money which they have deducted from my HDFC bank Account nor ready to close my trading account.
I didn't use 1 transation from that demat account.

My contact no is [protected]

Hi

I have applied for HDFC car loan on 18,Dec 09. I requested for amount of Rs 540000. Initially they were saying the amount will be sanctioned. As per my booking amount the car has already arrived in the showroom . And my delivery is scheduled as per the bank payment. So as per commitments from bank the car delivery was scheduled on 23 Jan 2010. On 18 Jan 2010 I was told by the bank that they will be able to arrange Rs 507000 and payment will be done right away on 19 Jan. But still they payment to bank is not done. the amount of tension I am going through is out of speech. Now as per their employee the payment is will be done by 26 jan 2010. Daily they are changing the words.

HDFC Bank Person Name:
Area manager:
Srirangam
Mobile No: [protected]

Sales Person name:
Shangmu Prabhu
Mobile Number:[protected]

Please let me how to deal with it.

Regards
Suneil Nayak

To,
Consumer Forum

Sub : Mental Harrasment by HDFC Bank

Sir,
I (Zaiggam Naqi) want to inform you that I am working in Dubai since December 2008. I received a phone call from HDFC REPRESENTATIVE Maahi regarding issue of Credit Card. I did all necessary correspondance through e mail. Credit Card issued by my name was received by my mother at my Uncle address in India. Since my mother is not much literate she kept the envelope containing card at protected place. On 1-08-09 my mother received one envelope through courier containing insurance paper.
After some times I received phone calls from HDFC regarding payment against use of credit card which astonished me because I never used HDFC credit card. After enquiring about credit card usage I came to know that payment of
Rs 25000.00 is done to HDFC Life Insurance Policy issued to me without my consent .This is fraud.
I intimated several times to HDFC bank officials regarding this matter but all gone vain. Now I received notice from Chennai based lawyer for settlement of case between 13-1-10 to 22-1-10.
I am in Dubai and as per my contract with my employer I can’t come India before 2012. This matter has puzzeled me and I am depressed. If any thing goes wrong with my life HDFC will be responsible.
I can send my representative to you and show him all doccuments signed by me and recording of telephonic conversation between me and HDFC Bank representative.
Take the matter seriously otherwise I will take legal action .
Thanks!
(Zaiggham Naqi)
Policy No- : 13054355
Date of Birth % 2-8-1979

Copy to : Advocate - D. Sathyaraj, HDFC
Customer Service HDFC - 3rd Time
Consumer Forum

I opened an NRO account in estwhile Bank of Panjab, which subsequently merged with Centurion Bank> In this new bank, Centurion Punjab Bank, I had a balance of Rs 5299 on 1.1.2007 in my NRO account number [protected], where as minimum balance requirement was Rs 5000.

On 30.3.2007, the bank charged me Rs 830 as minimum balance charges, and this continued. To avoid further charges I deposited Rs 5000 in my account but deductions continued. When It was taken over by HDFC Bank on 1.7.2008, I had a balance of Rs 7117.82 but bank continued to Deduct Rs 827.25 per quarter from my account [protected]. On my visit to India in November 2009, I was shown a circular which read that my account dropped the stipulated Average Quarterly Balance required to be maintained for the account.

There is no mention of the amount of Average Quaretrly Balance. How I know what it is. I live abroad. I assumed that it is Rs 5000 and I deposited more and more money to see it is more than that but at no stage I was told that it is to be more than Rs 10000. Moreover the quartely charges of Rs 827.25 are very much exhorbitant and the Indian authorities should see that the bank donot charge that much money just for keeping a saving account in the bank.

Hello all,

I just want to share my BAD experience with HDFC Bank regarding a new car loan. I booked a Tata manza car on 4th Jan 2010 from fortune motors navi mumbai for the deliveey on 24th Jan 2010. Next day, I went to CBD belapur branch and met Mr. Kaushik Das for car loan. He gave me all calculations of EMI, margin money, etc asked me for documents. I gave him all the required copy of documents and signed the application form. He told me in 2 days you loan will be approve as you are a existing corporate clients with HDFC and also using other HDFC product (FD, savings account and credit card). Next day i received text message from executive that my loan is approved and I have to sign agreement copy. I came at branch and Mr Kaushik introduced me to a office boy named Vijay (who I think is trained by executive for loans), Vijay took my sign on the agreement and also I also gave him copy of advance booking receipt which he said is required for disbursement form the bank to the dealer. Mr. Kaushik told me now the disbursement will be made within 2 days or most likely by Monday (11th Jan).

On 11th Jan, Vijay called me and asid there is problem with the dealer and sked me to change the dealer. I refused and said I have paid my booking amount and I will not change the dealer as it close to my home. I think bank executives have some commissionwith certain dealers so they push for them only.
I contacted Kaushik and he again assured that they will solve the issue and disbursment will be made by friday (15th Jan) and dealer will receive the money on Monday. Kaushik sent me a text message on Friday that cheques has been issued and dealer will receive it on Monday.

When I called Kaushik on Monday, Mr Kaushik didn't took my calls and replied with text message to contact colleague of him at different office.

I called this new guy and asked him about the disbursement, he said that he is still waiting for loan disbursement approval. I WAS SHOCKED that how Kaushik lied to me that cheque has been issued. This new guys (Santosh) asked me for one more day and next day he told me that loan can't be disbursed as Fortune motors has been blacklisted by the bank. I was totally frustrated by the time and decided to move to another bank because delivey of my car was on 3-4 days away.

Today 21st Jan, i applied for loan with another bank. Today HDFC called me and told me that disbursement approval has been made.


I still dont believe them till the dealer gets his cheque.

My Question to bank are:
1. If they were aware that Fortune motor was blacklist then why they accepted my application. I could have applied with other bank and saved 2 week.
2. Who is responsible for the harrasment i have gone through in these days bank or dealer. I think its bank!!

3. Why should not bank take strict actions againg Mr. Kaushik who made wrong committments and assurance to me.

4. Why HDFC bankk is doing promtionall event with Fortune cars on 23 and 24 th Jan, if bank is saying that dealer is black listed.

Guys please beware of the HDFC bank and specailly of the extra smart sales people who are over promising but under delivering.

OVERALL A HORRBLE AND FRUSTRATED EXPERIENCE!!!!

.

I am having salary a/c with HDFC Bank at Pune branch at Pradhikaran.
Later I shifted to Hyderabad & the new address at Hyderabad was also effected by HDFC in their records.
I had requested for a set of new cheque book since my cheque book was going to get exhausted.
The personal banker Mr. Venkat at St. Mary's branch told that the cheque book would come to me home address at Hyderabad.
After many days when I inquired with Mr. Venkat it was informed to me that the cheque book is lying in Pune HDFC & he cannot get that from him. I again reapplied for cheque book for which I received a letter at my Hyderabad add from HDFC that under KYC norms issued by RBI I cannot get more cheque books.
I do not know what to do since HDFC Bank is hellbent on harassing me for no fault of mine.

I had applied for Trading cum Demat a/c with HDFC Bank at St. Mary's branch at Secunderabad thru personal banker Mr. Venkat.
I have received the demat a/c bot not yet the trading a/c login_id & password due to which I was not able to sell my shares timely in the stock market. Moreover I am also not able to buy any shares from Market. I do not know what to do with this demat a/c when I am unable to buy or sell shares.
I contacted HDFC Bank for help thru their website which evoked no response.
Contacting Mr. Venkat at HDFC Bank is also of no help since he is asking me to directly deal with HDFC at Mumbai.
This is the type of customer service being provided by HDFC Bank when you request them to open a Trading a/c.

Dear Sir,

I am holding the HDFC Gold credit card No:[protected]. I have always payed my credit card dues on time but due to some urgent business i have to go overseas for 4 months from August 2009 to Dec 2009. when I returned in January 2010,i came to know my Card has been suspended for the reason that i havent paid Rs 1900/- in august which has levied with penalty and late fee to add up to Rs 4800/-,i was shocked i called customer care at number[protected] and requested him the detail of amount which on which the interest has been charged as i was sure there was no amount due...the representative rudely rejected my request and asked me to pay immediately... else face the consequence....i felt very
disappointed by his behaviour but i am firm as a responsible citizen i have every right to know what I am paying for , also no institution or organisation can force me to extract money illegaly .
Thanks
Ajay Joseph

I took car loan on New Honda City in Aug 2003. My car met with an accident after few months, Insurance co. took sometime to settel claims in between my 3 to 4 ECS got returned. I informed bank the reason and was ready to pay By paying one instalment extra every month alongwith there bouncing charges extra.

But Bank sent some Gundas to my house for collection who mis behaved with my mom due to which I fought with the bank. No one took my complaint seriously and finally I didn't paid any instalment and asked bank to make full n final settelement. It took another 1 year and finally we compromised and paid all banks dues and took NOC from them in 2005.

After that I have taker one Auto Loan from Citi Corp in 2004 which is fully paid, One home loan is running with HDFC bank only and also one personal load with Standard charted bank where all installments are paid on time without any default.

Now I want to go for a new car but coz HDFC has given my name as defaulter in Cibil no bank is ready to finance. Agreed in that particular case I was a defaulter but Bank forced me to behave like that it was not intentional. I work for Reputed company and belong to good family background with a good track record accept the details mentioned above.


I would request HDFC to pls. look in to the detail and accept my loan application. if not atleast provide correct information on cibil. When Bank has already got there money why they are still penalising me even after 5 yrs. they were equally at fault......

Pls. revert to me my Mobile no. is [protected].

Thanks & Regards

Monica Duggal

Hello sir,
I AM SASIDARAN FROM SALEM..I hold a HDFC Credit card . i have made a MY ALL AMOUNT of Rs 28000. they said U will be receiving the NOC letter and No dues letter. But until not i havnt received any thing. The amount has been cleared and refleted in Statment also. Today i spoke to the customer service . they said they dont have the details of the payment. How come they dont have the details of the payment and other things. i need to file a complaint on this. please help me tos solve this.THE ADDRESS OF THE BANK IS GIVEN BELOW
DIVYA
HDFC BANK PROCESSING UNIT,
A WING CONSULTANCY ,
102 NELSON MANIKAM ROAD,
SEBROS BUILDING,
CHENNAI

HDFC Bank started to harras consumer by charging on NEFT fund transfer . first of all HDFC are having less number of ATMS over city . So maximum tendency of anyone is to transfer money from netbanking . but now HDFC started to take unknown charges for NEFT fund transfer . Unneccessary consumer need to pay extra behind every transaction .

They are already using consumer's money . Apart from that now they will charge on consumer too .

HI,
I am using hdfc crdit cards but today on 20th jan 2010 i got call from their costomer execitive name Sameer from phone no [protected] and he abuse me and bound me to use such language also and this hurt me a lot . first they irritate me and next isult me . i want some concrete action

Dear Sir/Madam

My HDFC Savings Account no [protected] has been locked by HDFC credit card division. My account fund goes on hold. I am not able to do any transaction.

My Credit Card No.[protected]. Settlement Amount was Rs.10000/- which I will give payment in three installments, 1st installment of Amount of Rs1850/- which I have already paid by cash. Next two installments Amounts of Rs.4000/-.

After Paid my 1st Installment, I called Mr. Shankar Prasad Das (Mobile No.[protected]) every weeks, he said that hold for few days.

On 04/01/2010, I called to Shankar Prasad Das, he said that call to Mr. Ajit Singh (Mobile No.[protected]). Then send my father to Mr. Ajit Singh for Solve my problem. But there is no positive response. Mr. Ajit Singh said that call me tomorrow to solve this problem.

05/01/2010, I called to Mr. Ajit Singh, he gave me Tel No.[protected], the Number of Head of Credit Card Department Named Ms. Salma Khatun for solve this problem. I called lots of time to[protected], but there is no response. Then Call to Mr. Ajit Singh’s Mobile no. he disconnect my no. again and again. Then I called to Mr. Shankar Prasad Das’s Mobile No.,there is no response.

I called lot of times to Credit Card division of HDFC Bank, but they are not responding & not gave me right information. They are misguide me. (Person Named -1) Shankar Prasad Das, Mobile No.[protected], 2) Ajit Singh, Mobile No.[protected], 3) Ms. Salma Khatun, Tel No.[protected].

How can the Credit Card Department do Hold my Saving A/c without prior permission from the customer or any information from HDFC Bank.

HDFC Credit Card Department can check all my previous payment history. I was a prompt payer and should have trust.

I trusted the bank and kept money in Savings A/c. I had issued two cheques of Rs.1000/- and Rs.2000/- and other transactions.Who will bear the penalty and bret for the bounced cheques now.

I am getting in Problem for my daily transaction from last 04/01/2010. So, on 06/01/2010, Call to Grievance Cell to complain (Executive Person – Ms Sabnam). Complain No.TF[protected].

On 08/01/2010 one call comes from Tel No.[protected]. She said that Ms. Salma Khatun,(Mobile No.[protected]) Head of Credit Card Department would contact me for New Settlement on my above credit card.
No calls comes from there side, then I called to Ms. Salma Khatun, but I have not get any response and call transfer to massage box. Every time my mobile bill is increase for reason of call to that persons. Result every time I get harassment by HDFC Credit Card Department.

On 13/01/2010, one Call comes from[protected], Named Ms. Salma Khatun, She told me for settlement Amount of Rs.13000/- above. I am not accepting it because of my settlement amount was Rs.10,000/-. After Deducting Amount Rs.1850/-, Balance Rs.8150/- I can Paid it.

Then again I have report to Grievence Cell (Ms. Sabnam), She told me waiting for 24 hrs. But I have not received any response or any calls.

On 18/01/2010 at 19:29:16 P.M., one sms message comes from Hdfc Bank, Narration – “Amt of INR 11,473.37 debited to A/c xxxx4317 towards FUND TRF DM – [protected] value 18 Jan 2010. Withdraw cash 40% Faster at HDFC Bank ATMs”.

But one thing I want to know. When I have not signed Bank’s Auto Debit & Don't Giving Bank any Authority for Debit Money from my above Saving A/C. Then how dare Bank Withdraw Money from my Saving A/C. On 18th January 2010 HDFC Bank Transferred Rs.11,473.37 from my A/c without any intimation or call me.

Now Credit Card Unpaid Amount was Rs.8150/-, HDFC Bank Extra Rs.3323.37 Transfer to Credit Card A/c.

Please help me regarding refund my funds, which is extra transferred to HDFC Credit Card by HDFC Bank and close my above saving A/c and also above HDFC Credit Card.

I hope I will be getting some response and support from your side on this issue. Hope to hear from you in positive and get justice done

Regards,
Surajit Patra
Email : [protected]@yahoo.com

Dear Sir,
I have taken two wheeler ( Hero Honda CD Dawn Wide Vehicle Number MH29/L2086) loan from Punjab Centurian Bank, Nagpur which was tookover by HDFC Bank. Due to this problem, I didn't receive any documents from Centurian bank or HDFC. I have completed all EMIs of Rs.1457 without any bounce.
Now I require my NOC and statement of account urgently.
Hope u will reply immediately.

Regards,
Mr. Ulhas Bangde
[protected]

Respected Sir,

I am Saptarshi Banerjee of 59 Post Office Rd, Natun Para, Kolkata:700093. (Mobile number: +91-[protected])
A year back I applied for a personal loan of 1 lakh rupees from HDFC Bank, Kolkata (My loan account number is:[protected] for which I am paying an EMI of Rs. 2860/month through ECS system. This month January 2010, I missed one EMI due to some personal reasons. After that a personnel (Reshmi) from HDFC called me up to make that payment as CASH along with Cheque Bounce Charge. I made the payment the next day (16-Jan-2010) of amount Rs.[protected]+450) (Receipt Number:[protected]. But on 18-Jan-2010 I find that my account has been debited once again by HDFC of amount Rs. 2860. I called them up, but they say that the amount that I have submitted by cash will take 4 days to update, and in the mean time if there is amount in my bank account (within a span of 18 days) it would be automatically deducted. What kind of behavior is this? And also they are not ready to take a complaint. If I make a cash payment why not the account gets updated at then and there? And who would bear this loss of amount. Even if I get back the amount after say 10 days, who will pay me the interest for that amount, that I would have got if that amount was there in the account. Please help me regarding this.

Dear Sir,
I am Moreshwar Turkar having Credit Card [protected] paid a cheque of Punjab National Bank on 23-12-09 at 11.00am in HDFC bank but they collect payment on 29-12-09 from PNB which overdue me for Late fee & finance charges.
Why this type of delay is making to collect payment locally which requires only a day.
It is only to place surcharges and late fees on users na...
In the month of December I had to pay Rs 4056 against credit used and other charges, i had paid Rs 4056 on 23rd of Dec 2009 through local PNB cheques.

So, please arrange to cancel the late fees and surcharges laid on me.

Second thing is that whenever i have used credit card, you are giving SMS on my mobile number [protected] but in last month of December someone mis-used my credit card for booking on-line from Living Mrdia India Limited Delhi & Naaptol On line shopping Navi Mumbai, and no SMS is given on my mobile about trasaction.
I have doubts on your services and someone is behind this fraud happened on my credit card.
So, please arrange to track the person from Living Media India Limited who was handling me on[protected] at 7.25pm on their Interface [protected] and take the amount back.

So, please

I have two saving accounts with HDFC bank out of which one is salary account .
For last one month I am running around them to activate my third party transfer used in net banking, as sending money through check or draft to my parents is very time consuming.
Three times i have filled and submitted the form once in sanghvi (pune ) branch and later at aundh ( pune) branch.

Pls help me