HDFC Bank Complaints & Reviews

i am your card holder. my credit card no. is [protected], ipaid by cheqeno.-098605of ratnakar co-oprative bank, vasai branch, dated 09/05/2008for Rs.7100/-, but tilldate not credited by your bank. after enquary to the collection boy "he said that by mistekly ihad deposit your cheque in the credit card no. [protected].pl. same credit my a/c and ingnore all penlaty etc.
From Dec.-2007to till date not recd.threfore, you are requested that pl. send me card statement for above period.
thanking you. my Email is [protected]@yahoo.com

Dear Sir,

I am not getting the monthly satement.
Please note of change of my address as :

No 17, 2nd cross, 3rd main,
Ayappa temple block,
viveknagar post,
Bangalore - 560047

Please provide my credit card outstanding amount on my e main address.
my credit card no is [protected]
I had changed my addresss so please provide it on my e mail address.


Regards
Pankaj Chaudhary
[protected]

non receipt of statement — credit card statement for march 2009

my icici credit card number is [protected]. I have not received statement for the month of march 2009.Kindly send the statement by post and also E-MAIL immediately.

My complaint regarding is that I amn't receiving my monthly statement on time.From last three months I amn't receiveing any intimation on phone also. Thats why I amn't able to pay my payment on time and always pay extra charges to clear the dues. I am very disoppointed.

I am using HDFC bank credit card and paying regularly amount. After making payment to Branch Milestone Branch at Nagpur but still Bank is Charging me Late Payment Charges.

Late Payment will not charged to me is already confirm from Collection execuitve seating at Branch.

Everytime same is happening with me and no i dont want to continue this Card.

Please let us know what is amount to be paid to close my account at the earliest and waive my Late Payment Charges.

Ashish Merkhed
[protected]

Credit Card — irregularities in maintaning account

I have a Sliver card from ICICI bank, i recieved my first statement which was dues on 18th Nov. Ipaid off the complete amount due on the card as per the statement at the lajpat nagar branch on 17th Nov.

When on 25th Nov i tried to use my card it got declined, i was embarassed & had to use my other card. when i checked with the customer care depatment i was informed that my card has been blocked by their backend & the same has been done due to non reciept of payment, however post me telling her that the payment has been made, she informed that the request of the same will be taken & the card will be active in 14 days.

A bank like ICICI which claims of " HUM HAI NA" & what not has behaved in an absolutely non prefessional manner post me paying my due on the same.

I have as of now requested them to cancel my card. i request an stringent action to be taken on this which is irregularity in handling funds & accounts.

i m ranjeet kumar and i am having to force to open account with HDFC bank and i did this process but still i did not find any kit from the bank and now i do want to close my account but they are not respondig me. and i m student and six thousand rupees they are not returnig me .
my account number:[protected]

Every person has complaints in life thats in 100000 that is 1 plz be calm & try to get it who r working in bank they r also persons like u thanking u

prabhu mishra

Dear sir
Re, opening of new account
Instruction overleaf no. SB[protected]
thru your tele banking person Mr.snehasis ghos & Mr Tej [protected]
With refarence to above your bank person mr.snehasis ghosh had visited our office on 20.05.08 & vide form no.SB[protected] opened a SB A/C in the name of Avinah Sharma and had collected cheque no. 140543 of HDFC bank, Jogeshwari Branch for Rs/- 5600/- which has been clear from our a/c.
Today more than 45 days here passed and i have not received the a/c no. and any correspondence of a/c, being opened by your branch. when we have tried to call mr. snehsis ghosh on his mob. no. [protected] he does not reply to my cell.
please tell us what to do wheather the account opened or not. we your a wait your urgent reply.
Thanking you,
sd/-
vimlesh sharma
([protected])

Dear sir
Re, opening of new account
Instruction overleaf no. SB[protected]
thru your tele banking person Mr.snehasis ghos & Mr Tej [protected]
With refarence to above your bank person mr.snehasis ghosh had visited our office on 20.05.08 & vide form no.SB[protected] opened a SB A/C in the name of Avinah Sharma and had collected cheque no. 140543 of HDFC bank, Jogeshwari Branch for Rs/- 5600/- which has been clear from our a/c.
Today more than 45 days here passed and i have not received the a/c no. and any correspondence of a/c, being opened by your branch. when we have tried to call mr. snehsis ghosh on his mob. no. [protected] he does not reply to my cell.
please tell us what to do wheather the account opened or not. we your a wait your urgent reply.
Thanking you,
sd/-
vimlesh sharma
([protected])
[protected]@yahoo.co.in

Please send HDFC Bank Current Account detiles...

I am a student, i would like to open a new account in your bank with zero balance, would you give me the information about it.

regards
B naru

HDFC Bank — Harsh penalty

To,
HDFC Bank
R/Sir/Madam,

I wish to intimate that I have a saving account no. [protected] in HDFC Bank, Saharanpur branch. I had transferred Rs 30000/- (Thirty thousand only) vide cheque no.263107 dt.1.9.2008 to my Provident Fund account no 1602111. The cheque was bounced back. At that time I did not have sufficient amount in my account. This cheque was accidentally issued because I have another account in SBI and I was a bit unaware of my HDFC Bank account status. At the same time I was having sufficient amount in my SBI account. Due to this mistake the HDFC Bank has posted a penalty of RS 350/-, which is too much. The transaction was made to the same person. Is this the right thing to post a penalty on such a mistake? The cheque was not issued to the third person or party. The bank is a bit too harsh.
I also wish to bring it to ur notice that on 2.9.08 I had put a cheque in HDFC bank for clearing and the cheque was returned by the bank. The bank told that there is a computer system failure and the cheque should be presented the next day. If the customer’s mistake is punishable than bank should also pay the penalty. There should be the same rules for the bank and the customers. I hope u will take the note seriously.
Thanks

To,

Banking regulatory authority

The above written complaint was lodged to the HDFC Bank. In reply to the complaint Mr. Narendra from HDFC called me on telephone on 27.9.08 through telephone no. [protected]. He threatened me that the bank could put me behind the bars for issuing a wrong cheque. How could the bank threaten the customer when they have already posted a penalty? This is complete “Gundagardi”. The banks can hire goons to recover debts. The bank can take automobiles away forcefully. They can do everything they want but the customer can do nothing. These banks have hidden rules, which they do not tell at the time of opening of an account. When the account starts operating they start to apply the hidden rules and begin cheting the customers. Kindly do something to protect the customers otherwise some day the bank will even threaten us to kill. I also wish to bring it to ur notice again that the cheque was issued to the same person and not to some other party or third person.

Regards

Zinda Hasan
14/498/5, Sheerazan Street
Near Atta chakki
Saharanpur-247001
HDFC Savings A/c no. [protected]
PPF A/c No. 1602111

Ph :[protected]
M : [protected]

many long time handover the document & complate the all formalties, but till date Signature is not
activate.
i want to know normaly how many take time to activate the signature ?

Kishor K. Shrimali
Jodhpur (Rajasthan)

Date : 29.05.2009


To,
The Branch Manager,
HDFC Bank Limited,
S.B.Road, Kolkata -700 020

Subject: Issuance of HDFC Bank Meritus Scholarship SILVER Certificate.

Dear Sir,

I am an account holder at your branch (No. [protected]).

My younger daughter Mahananda Haldar appeared for the HDFC Bank Meritus Scholarship and won the SILVER Certificate. The telephone nos. registered were[protected] and [protected].
This information was messaged to my mobile phone no [protected] on 19th of May 2009 at 9:23:26am. And since then I received 8 SMS to collect the SILVER Certificate, the latest reached me at 8:12:05am on 29.05.2009.
Your message very clearly states that Parent is to collect the same with Children I.D. proof.

I reached your branch on 27th May 2009 and claimed the same to the ladies in the front desk.
Initially I was told that I must bring my daughter to collect it. When I argued she told me to produce child I.D. I produced Birth Certificate and School readmission Bank Receipt, she rejected the Birth Cert. as well as the Bank Receipt and asked me to produce photo I.D. from the school. I replied that the School do not issue Photo I.D. card then she asked for the School diary I said that is yet to be issued since the new session not yet started. So, she transferred my case to the lady sitting to her right who advised me to make an application on a sheet of white paper (which the 1st lady gave me).
I wrote the application and then was told to give my mobile no, she checked the computer and told that the mobile no is not registered; she asked for the land number but told me that nothing is matching. I repeatedly told her to check the SMS in my mobile but for unknown reason she didn’t. Finally I was told to come some other day since the message that reached me so many times may not have reached your computer.
I am sure that the whole story narrated above makes some sense to you and your organization regarding your way of working and response to a simple man like me who traveled from Serampore to collect the valuable HDFC SILVER Certificate.
Please do the needful from your end and issue me the same at an early date.

Thanking you,

Yours Sincerely,



Mark Mohit Haldar

dear sir,

this is to inform you that this has become a regular habit of giving bankers cheque after 5 to 6 hours instead of giving in 10 to 20 min stipulated time .inspite of regular complaints made to the manager as well as staff problem remains the same .i also have a/c in standard bank and they deliver the banker cheque instantly..
kindly take the necessary action and inform us..

regards

i opened my account in mumbai with centurion bank. after its merger in hdfc bank, I was transferred to visakhapattnam as i m a naval personal. after coming here i got my address changed. after few days i recevied new hdfc atm card on 25 maybut i have not got pin till now which creating a lot of problems as my old card has been retained.that is a clear mistake of the bank due to which i m suffering. i lodged my complain on26 may in dwarika nagar branch of visakhapattnam but no action has been taken. hope u take a fast action otherwise i am forced to comlain for compensation in consumer court for mental and physical harrasment

Date: 08/06/2009

To,
The Branch Manager,
HDFC Bank Limited,
S.B.Road, Kolkata -700 020

Subject: HDFC Bank Two Wheeler Loan

Respected Sir,

This is to inform you that I MD ASADULLAHA KHAN have entered in
LOAN -CUM – HYPOTHECATION AGREEMENT no 14768508 for two wheeler Hero Honda Passion Pro on 28/04/2009 at BHANU AUTO MOBILES PVT.LTD Erragadda branch, Sir I have paid a sum of Rs 12, 400.00 towards down payment of above said vehicle and resived the vehicle on same day and I have resived a Repayment Schedule on 10/05/2009 it shows the down payment of 2 EMIS which is 3, 378.00 and I was agree for 30 months of scheme but the Repayment Schedule shows the 36 months Scheme .

The total cost of vehicle on Road as on the day was Rs 49, 400.00 when I pay 12, 400.00 the loan amount should be 37, 000.00 but the Repayment Schedule shows the Loan amount of Rs 46, 120.00

So I have made a stop payment of the cheques which I have given to the executive namely V. Krishna Mohan Employ code K0317

So I request you to look in the mater and take necessary action immediately

THANKING YOU

Yours Sincerely,

MD ASADULLAHA KHAN
Hno 5-6-10 DHAYARGUDA
SANGEETHNAGAR,
KUKATPALLY.
HYDERABAD- 500072
EMAIL [protected]@yahoo.co.in
CELL:-[protected]

Date: 08/06/2009

To,
The Branch Manager,
HDFC Bank Limited,
KUKATPALLY -500072

Subject: HDFC Bank Two Wheeler Loan

Respected Sir,

This is to inform you that I MD ASADULLAHA KHAN have entered in
LOAN -CUM – HYPOTHECATION AGREEMENT no 14768508 for two wheeler Hero Honda Passion Pro on 28/04/2009 at BHANU AUTO MOBILES PVT.LTD Erragadda branch, Sir I have paid a sum of Rs 12, 400.00 towards down payment of above said vehicle and resived the vehicle on same day and I have resived a Repayment Schedule on 10/05/2009 it shows the down payment of 2 EMIS which is 3, 378.00 and I was agree for 30 months of scheme but the Repayment Schedule shows the 36 months Scheme .

The total cost of vehicle on Road as on the day was Rs 49, 400.00 when I pay 12, 400.00 the loan amount should be 37, 000.00 but the Repayment Schedule shows the Loan amount of Rs 46, 120.00

So I have made a stop payment of the cheques which I have given to the executive namely V. Krishna Mohan Employ code K0317

So I request you to look in the mater and take necessary action immediately

THANKING YOU

Yours Sincerely,

MD ASADULLAHA KHAN
Hno 5-6-10 DHAYARGUDA
SANGEETHNAGAR,
KUKATPALLY.
HYDERABAD- 500072
EMAIL [protected]@yahoo.co.in
CELL:-[protected]

I've deposited a cheque on 11th of July 2009 (Saturday), it was updated on 13th of July 2009. However, the cheque was sent to some wrong branch or what I don't know about that. But you people are there to serve us or to question us ? this is ridiculous. If the cheque is not entertained by 2 days then I have to sue on the bank.

I applied for address change to HDFC Bank. I was having the account with HDFC from past more than 3 years. They took 2.5 week to change the address, then I raise the compaint and they took 3 days to call me back and told that sir, you didn't provided pin number. They are working like goverment department. Event other bank like ICICI bank are better in customer service then HDFC bank. Atleast if we will make mistake they will tell us immediately.

HDFC service is so poor u people do not taking care of your customers not even your phone banker i will never recommend HDFC bank to anybody for any thing. I have a sallery account in your bank(No. [protected]) and i am facing so many problem from last few months with HDFC bank now the latest problem is on the date of 2/10/2009 i did not went to any ATM but its Rs 200/- are deducted from my account next day on 3/10/2009 i tried to withdraw same amount in Axis bank ATM it was denied then i moved toward SBI ATM where i got Rs200/- but the amount deducted is Rs 400/- and when i check my mini statement it was deducted on 2/10/2009 when i did not went to any ATM aur Branch so who removed the amount but on the slip of SBI i can see that Mod balance was Rs 10169/- and after withdrawal of Rs200/- the avail balance is Rs 9769/-, And the call center people are so harsh, they did not answer u properly, i always have horrible experience with HDFC Bank i will prefer the ICIC bank instead of HDFC in customer service
ASLAM R SHAILH([protected])

Hi,

I am a user of HDFC Credit card [protected] from last more then one and half year and also holding the salary account in HDFC Bank from two years, both with a very clear credit history.

This month due to some unavoidable circumstances at my family i could not make the payment on the due date 09.10.09 for the month of 19.09.09.I got frequent calls from some of the collection agency for HDFC Bank today i.e 19.10.09 from the no[protected],[protected].Although i know the executive did not give his right name, he addressed himself first as some Mr Amit and later as Mr Nikhil Chopra which i got to know later on from the Vishwas Nagar, Shahdara Branch of yours that these names are fake.

I feel so disappointed that a Bank like HDFC has recruited such non professional staff for handling their customers.I was addressed like this"Madam, if you dont have the money to pay then why do you shop?""Dont shop when you cant pay" "answer me when will you pay"these sentence was repeated to insult me again and again by the executive.I straight away went to the nearest branch at Vishwas Nagar, Shahdara, and i lodged the complaint in the written to Mr Pankil (Relationship Manger).At the same time, i again got the call from the above mentioned number from the same guy and he used the same abusive language with Mr Pankil as he was not knowing that he is speaking to one of the HDFC Personnel, as Mr Pankil addressed himself as my elder brother on phone who takes care of my credit card payments.

Although Mr Pankil was able to satisfy me with the support that i can mention his name in my written complaint as an evidence of the abusive and unprofessional language used from the collection agency perhaps?

My purpose of writing a mail is not just to write and let you know but i would want an action infact an immediate action on this, and a written apology from the Bank.i believe HDFC Bank should hold the responsibilty for this incidence completley as the recruitment has been so poor and unethical.

Before i take the next step of taking the complaint to consumer court for harrasing me mentally, causing me stress and nervousness, and use of abusive language on a professional call, action would be desirable.

A waiting for your favorable action,

Regards,
[protected][protected][protected][protected]

Ms Mona Khanna
Customer Relationship Manager
Reliance Industries Limited
+91 [protected]

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

Daughter of Mr A K Khanna, IRS(C& CE)
Assistant Commissioner
Customs, Central Excise & Servixce Tax
[protected][protected][protected][protected]

Empréstimo / Oferta de Finanças

Você está procurando ajuda financeira, eu estou oferecendo um empréstimo a uma taxa máxima de baixa de 3%, seguro e sem garantia, todos os candidatos interessados devem entrar em contato

imediatas para mais details.Email via [protected]@admin.in.th

Seu fielmente
Mr. Cole Bray

SAB BAKWAS HAI...
Neither their service support us or if we are trying to get management numbers, emails for direct contacting or complaining that also I am not getting neither from their website . Only phone banking numbers are specified just to talk on phone. For any query or complaint their representative will say ohh.. sir you will get it done in seven days . No one is present to take notice of you and solve your problem quicker. Hopeless service. Only Advertisement... Service ... I think they don’t know the meaning of “ SERVICE” in 21st century.
Call to this number and verify how many time their customer service executive will receive your call or you need to go to bank and waste your precious time..{No..[protected] HDFC bank, Poonamallee Branch..}
I am not getting a credit card no sorry….. not a single update from last 20 days… again it is going to take more than 1 month .. but their specified duration is 15 to 20 days only…. What the hell they are doing from last 20 days??
They don’t know the value of TIME .

[protected]@gmail.com

HDFC will do this nonsense things always

Hi,

I am PR Swamy .last month 11/02/2010 i have requisted for the cuurent account referance no.SB[protected], till today it is not activated . i have not received any communication from your side, whether it is accepted or rejected, even though providing all necessory communication details in application . I feel very bad about this

PR Swamy
[protected]

Respected Madam,

This is Manoj Agarwal, customer concerned with HDFC branch Jhunjhunu[333001], Rajasthan.It's right time to have a modification/change in staff in ur said branch.These person create problems for customer.I need to have a demat in HDFC but my God...Process started on Jan02, 2010 & still no demat concerned paper password & all ...
I don'thave any..They made my address wrong, PIN Code wrong [Correct PIN-333001 & Concernede PIN proof document has submitted so many times] & say sorry again & again.They gave me some excuses, some forms, some useless talking & the above is my achievment from ur bank service with only a saving A/c.I[censored] recruit a staff member plz take feedforward & feedback otherwise they will make stand u with Protector & Gamble Company.Self motivated, energetic personnel should be your prime operation.I am sorry I just give u a suggestion only. So far as a am concerned i can wait no more now .If you satisfy me with coming 7 days with personal attention...it will be ok otherwise Sitaro se aage jahn aur bhi hai...ICICI may solve my problem..

Thanks a lot for consideration

Yours truly

Manoj Agarwal
Customer HDFC
Jhunjhunu[ 333001]

Hi Team,

I am Ranganath Sharma, having salary account in HDFC bank account dept...

As in the process i have applied for the Personal Laon... ( Exe : Somaiah ) and document collector is Ashok.

As per the conversation over the phone with Somaiah[protected] as per his suggestion loan amount will be pushed upto 2lacs ...

In the conversation he has mentioned about the interset rate, processing charges and insurance ( 1500 rs ).

After submitting all the documents to the bank ..i had received 4 calls from the customer care enquiry about the myself ...in the process i have spoken to a lady from crdit department ( Divya ) as per her statement she has clearly mentioned that ther will be Waveoff of the Insurance from ther side as i was not coming under that category ...and she also mentioned that i will be deducted only the 2% processing charges.

later after 2days i had executive coming in to my office ( Rajesh ) ...at that time also he has also mentioned that the insurance amount will be waived offf and i wont be getting any deduction on that ( Insurance )

After all these i have got the amount of 181000 RS on 21-jun-2008 wherein more than 6000 have beeen deducted ...i was shocked to see this and surprised.

as per the bank officials stated me that the amount of 187000 is the amount approved for myself.

Calculation : 187000*2/100 = 3740
=[protected] = 183260
Agreement charges :[protected] = 183110

RS 183110 is the amount what i should have got from the bank but i got only 181000 which is 2000Rs lesser than what i expected.

when i called up to ask regarding the same ...they are telling that its INSURANCE ...again shocked and surprised ...

I just want expalnation on this why ther is dislink between the departments as they are not sure of what they are telling ...and each every is giving different to the customer.

and i also dont where the money is going ...and to who;s pocket.

Please do investigate or else please educate the People of different departments.

And I am very much disappointed with HDFC ...

I want the detail letter on this.

Thanks & regards
Ranganath
[protected]

am Ragavendran. R. My complaint ID 100000. It is almost 2 months since my money had debited from my account. I have never seen such this poor response. I spent a lot to call your customercare and there such a bad response and false promises. Your customer care people often tell that they would call me and response within 24 hours. But, I have received nothing so far. I do not like to critize people but in this I have no words to criticize you. I should receive call tomorrow regarding this. Kindly see the complaint records and credit my money as soon as possible. There should be no further delays and reasons in this.

Further, I have submitted the charge back form last month 19th. Do the needful at the earliest. I am really disappointed of your poor service.

Regards,

Ragavendran. R
[protected]

I have loads of complaints for HDFC bank; These bank officials are corrupt; they always look for a bribe; I requested change of the address two times; once the form was filled up by them and they give tear copy, to my surprise they changed the form and added unnecessary lines to my address that was not supported by my address proof. Another time i went to bank with similar request and i filled up the form and to my surprise again they added additional items to my address and they did not change it.
I wanted housing loan since i maintained the account there and you won't believe they did not bother to take even my application.

HDFC bank is lousy and i will not r recommend to deal with the same if you another option. You do not feel secure.

Hello Sir,
Myself Raman Tyagi, I had a Credit Card of ABN AMRO BANK on 2005. I always paid regular payment when I hold that Credit card. After 11month I had no need of that credit card than I tell to customer care person please tell me full and final payment then I give go to you and I settled it. Then they told me you give 594/- Rs. Payment for full and final payment to repasentative that time I am not in home then my wife give 594/- Rs. Cheque to that person after 5 month they again call me your some payment is pending that time I again ask to customer care please tell me what is your full and final payment .that time they told me you give only 317/- Rs. for full and final settlement. Then I again gave to them that amount cheque and on that payment time I told to that gay who come for payment please write Full and final settlement then he ask to his manager then he write the full and final settlement on me receipt . after give this payment every 6 month they call me and abusing me and my family, tell your payment is due and now they give my file to SABI and now I want some lone and credit card then citi bank tell to me your SABI give low rank please help and save me to this case.


Raman Tyagi

[protected]@rediffmail.com
[protected]

Good evening

I dont know is there anyone looking out this site forunderstanding the need and query of the CUSTOMERS.

I'm also one among may who are suffering from the unplesent approch of bank.

Its a whole torture of around 20 days but still nothing happend positive though i presented all the credentials to establish my crediblity.

I was under the impression HDFC offeres a good service which was shattered and was being seduced. today i'm in a position where i firmly advice not to opt for any services from this bank atleast.

Ramakrishna

sir/mam
hdfc is the worst bank i have ever dealt with.i submitted a form for opening a zero balance account with this bank on 27 of september in PHULLANWALA BRANCH OF HDFC IN LUDHIANA as my company has ties with this bank and after a lot of delays my account was opened and now they say i cant withdraw money until i have got the welcome kit from them.though i have got the message on 16 of this month that my welcome kit has been dispatched on the very same day.when i enquired about such stupid reasons they say that these delays are due to diwali.sir/mam diwali is yet to come then how could these delays be?????kindly see to this problem.
please

Dharamveer Singh
Ludhiana.

I have visited to HDFC bank (East of kailash) Branch, My purpose was to make correction in address / address change. Staff was not helpful and not even guiding me well that what document should I provide for that. One of female executive even said that this cannot be done from here because your account is with noida branch. I have told her that I lived here in east of kailash but still she was continuing saying this. Second executive was very rude I was sitting and no one standing behind me and he said that wait for some time and sit on the next chair and there was no chair vacant at that time.
I felt very bad and I have immediate left from there.

Hdfc Bank — HDFC IPMS transaction not working

I transferred amount using HDFC IPMS service. Still not credited back to me.

About charges diducting agains my ECS failuair

Date- 12/05/2016
HDFC Bank Airoli has Deducted ECS DR Return charges 400.75/-Rupees from my HDFC AC [protected]. Because my HDFC AC balance is less to pay ECS to my Gopinath parsik janata sahakari bank AC 4299.

I have not got my cash

Hi Sir/ Madam

I have not got my cash from ATM Rs 700 at Nacharam at UBI Bank
done on 06/07/2016 at 11:38 13

Please look in this

My Debit card no: [protected]
Cell No: [protected]

I am already paid Rs.5000/- in my loan account[protected] on 17.05.209 by cash

There is unprofessional approach has been adapted by HDFC group specially in insurance sector. This is the wake-up for all o[censored]s to work towrads resolve.

Regards- Ram
[protected] (Kolkata)

yes for last two years Hdfc Banks activity is not satisfactory. Clients harrasment, Direct fund reduce from on line SB a/c without any previous notice to their customer against credit card dues. I can't understand how bank adjusted SB accounts fund against credit card due without any permission of customer. Is it any law ? Have any RBI Rule regarding this matter? I don't know, any person can write regarding this matter.

HDFC Bank Savings Account — Unjustifiable/informal Deductions

Hi,

I have a savings account running with HDFC Bank since May 2007 provided by my previous employer (Genpact).

Following are a few facilities provided by the bank for corporate salary accounts

1. Zero balance (no need to maintain AQB)
2. Free Check books
3. ATM

Those I availed from time to time. In Sep'2008 I left my previous organisation, however continued to use this account on regular basis as there is a (ICICI) personal loan payments being debited from this account.

In June'2009 suddenly bank put a hold fund on my account that I have dues unpaid for a HDFC personal loan. I have supporting mails with me to prove that this personal loan was settled. Due to that hold fund the icici personal laon EMI got bounced and both banks charged for bouncing. Even after my regular calls to HDFC bank they neither refund me those deduction nor I ever recieved any call from branch as suggested by telecaller.

Now for Last two quarters I have been charged with around one thousand ruppies for bouncing charges, AQB.

I have been calling their call centre and been confirmed by telecaller that a call has been fixed with branch for call back. however I have not recieved any call in last two months.

My grievance here is I have never been informed as to why this happened. Bank represantatives never give me call reference number. I am feeling like being robbed.

I would have had no issues if bank had informed me that beyond a certain date following charges would be applicable. However the way they have been playing is absolutely unprofessional and disgusting.

Please help.

Pradeep Kumar
[protected]

Thanks for immediate response I have responded with my contact details, however will provide account details once your representative contacts me.

Kind Regard

Pradeep

saving account — mismatch right procedure

We have a saving combined account no [protected] for name Sunil Kr. saini & Mrs shakha Saini in State bank of India Branch Budhana Muzaffarnagar , UP). now due to emplyment we stay in Roorkee (Ramnagar) Utterakhand so I applied check book & recieved in month March 2010, only in the name of Sunil Kumar Saini Printed on every check, first time in Month May 2010 I visite for withdrawal from check from branch Roorkee (Ramnagar Utterakhand) the check retained say no scan sign attached in core account. than I Visited for that in Budhna branch than they replied would be attached in 02 -3 days, again I try to withdrawal amount from check Roorkee (Ramnagar ) second time, & again retained check because signed attaced of Mrs Shakha in place of Sunil KR. Saini whenever on check bookname printed Sunil Kumar Saini.
Please stop my harssment & nerveousness.
Please help................

Regards Sunil Kumar Saini & Mrs Shakha Saini

TCS — NO response from the Bank Personal Loan Dept

Actually my ECS is supposed to clear on 5th of every month but this month it did not clear on 5th. and sufficient funds were there in my account and when it did clear on 6th due to some reason there was less funds available.

When i am calling the bank to re-clear the ECS no one is responding or the no is busy always.

My no is [protected]

This complaint is on Axis bank

Actually my ECS is supposed to clear on 5th of every month but this month it did not clear on 5th. and sufficient funds were there in my account and when it did clear on 6th due to some reason there was less funds available.

When i am calling the bank to re-clear the ECS no one is responding or the no is busy always.

My no is [protected]

Personal — getting a fraud letter

Date: Wed, 14 May 2008 04:41:53 -0700 (PDT)
From: Send an Instant Message "Barrister Nelson Qentor" <[protected]@yahoo.com> Add Mobile Alert
Yahoo! DomainKeys has confirmed that this message was sent by yahoo.com. Learn more
Subject: Fill Your Verification Form Immediately And Submit To The Paying BAnk
To: [protected]@yahoo.com

Yahoo! UK & Ireland




FROM: THE DESK OF THE E-MAIL PROMOTIONS MANAGER INTERNATIONAL PROMOTIONS/PRIZE
AWARD DEPARTMENT, MICROSOFT CORPORATION WORD LOTTERY
UNITED KINGDOM.61-70 Southampton Row,
Bloomsbury London United Kingdom WC1B 4AR.



ELECTRONIC MAIL AWARD WINNING NOTIFICATION
AWARD PRESENTATION CENTER: UNITED KINGDOM

You are required to fill your claims verification form

FULL NAMES:...

CONTACT ADDRESS:...

COUNTRY:...

SEX:... AGE:...

MARITAL STATUS...

TEL NO:...

EMAIL ADDRESS:...

OCCUPATION:...

POSITION HELD...

AMOUNT WON:...

REFERENCE NO:...

BATCH NO:...

WINNING NO:...

SERIAL NO:...

LOTTERY DATE :...

SUBMIT THIS FORM TO THE PAYING BANK

BANK NAME:DIAMOND BANK
BANK EMAIL:[protected]@yahoo.com

Regards,
Yours faithfully,
MicroSoft World

(Photograph) Queen Salote Tupou III of Tonga[protected]

Mrs. Basheera Abubakar Mrs. Caro Smith
(Co-ordinator). ( Secretary )



LOTTERY SPONSORS: CHIEF SPONSORS;

MICROSOFT CORPORATION UK, MICROSOFT CORPORATION AFRICA,
MICROSOFT CORPORATION USA, MICROSOFT CORPORATION ASIA.

Past winners.

Sir, I have applied for personal loan in HDFC through net signing
i got a call from chennai office, i have handover all the xerox copy they asked, for loan amount of Rs50.000/- but still they asking me a copy of my land document, i have stoped and collected my cheque, please check and reply me
my details : Chennai - Mount Road
1, My Email id [protected]@gmail.com
2, My loan Amount Rs 50.000/-
3, A/c no :13245482 dated on 19.05.2008
i have spoken to officer Mr.Chandrasaker cell no : [protected]
and also team leader Mr. Murali cell no : [protected]
one person called senthil he is the person who collected and filled the agrement form and collected the cheques, later he says your check as been teared from our office, i have complaint to Mr. Murali Team leader about this information given by mr.senthil, this is not fair reply from hdfc staff, i was fedup . please take action,
atlast i got my cheque after 10days i signed the agrement,
i want to know why they rejecting the loan, before itself they have to inform me about the document?
please take nesserey action thanks

Regards

Agnel Robert
[protected]@hotmail.com
[protected]

I had applied for a personal loan in HDFC through a DSA in Delhi, DSA tole me that the only 500 rupees processing fess will be deduted against your loan disbursal i said OK but they charged more than 1500 rupees evenafter it was not a big problem.

Problem starts when they made my fake signatures on some insurance policy without my confirmation and the amoutn of that also deducted some 360 rupees again that was not a big problem but my only concern is that "why they made my signatures on any document i.e. illegal" and when i am asking for same they are not assisting me any more.

Now they made my fake signatures for a small matter but it can be a serious in any future requirements. Please help in the mattter as no support from HDFC bank.

sir
my personal A/C no.13448557 was approved in july 2nd 2008 and final bank formalities alsocompleted but my loan amount not receive till now.When will credit me.
name- premkumar.v
addr.- 54, subramani nagar
Thirumullaivoil
Chennai-600062 thank u.

sir
my personal A/C no.13448557 was approved in july 2nd 2008 and final bank formalities alsocompleted but my loan amount not receive till now.When will credit me.
name- premkumar.v
addr.- 54, subramani nagar
Thirumullaivoil
Chennai-600062 thank u.

hdfcbank — verification not yet done

sir'
I have applied passort in kerala last year(25/04/07) but for the time of verification i had been in delhi so i got my verification status that " not under the territory of cochin passport office".so as per my request they have been transfer all my docs to delhi passport office.from bikaji I got the cash receipt.and I cofirmed all my docs reached delhi passport office.(05/08/2008). but till verification pending, i have to move abroad coming month, so kindly look into the matter immediately as soon as possible, , , KEY NO;[protected]
MY Phone no;[protected]

dear sir/madam,

i have fully closed my personal loan from your bank.my agreement no is 3132828.now i want to take NOC on my emailid also .

plz do needful.

thanks and regards

jitender kalra

BHARATH BUSINESS CHANNEL LIMITED — PAN CARD NOT RECEIVED AFTER 15 DAYS

Dear Sir,

I have not received pan card after 15 days, which is submitted on 05.09.2008 vide application form Dockt No[protected]

Please do the needful

regards

Anand Kallapur

Sir/Madam,

I have applied for personal loan in HDFC through net signing
i got a call from Delhi office Motibagh (Ms.Renu - [protected]) & i have handover all the documents for 100000/- Rs. & my verification has done since last week but any confirmatio not received yet & DSA staff
no. is always switch off since last week & any reference no. not given by him.
Pls confirm about my loan if any other details need call on mu Mobile.# [protected]

1, My Email id -manoj.[protected]@aramex.com
2, My loan Amount Rs. 100000/-
3, A/c no :[protected] (Citi Bank)

i want to know why they rejecting the loan & pls advice.

Thnx

Rgds:-
Manoj Kumar Dwivedi
K-6/18, Mahipalpur, New Delhi-110037
[protected]

pushkar — FOR issue cheque book on my home address

hi,
my name is pushkar rathore. I openedan account with axis bank. my account no. is [protected].
Kindly issue me a new cheque book on my address.

pushkar rathore
[protected]

Dear Sir/Madam,

I had applied for a Personal Loan which is a Pre-Approved Loan of 83000/-. I had submitted all the required documents to the Bank through an agent of the HDFC BANK PERSONAL LOAN DEPT, S.B. Road, PUNE, but my loan was rejected. the bank never bothered to call me and inform me the status of the loan process. i had to call them up and inquire about it. The representative named Shilpa Phulake was co-ordinating with me in the regards. I was told that after the documentation, within 3-4 working days the loan amount will be in my account. But even after 2 weeks i did not see that. Even the area sales manager Mr. Pushkar Thakur assured to me through another representative over the phone that the amount will be in my account by Wednesday evening[protected] but still i did not get it. i called up on Friday evening, had a word with a Supervisor at customer service named Riddhi who apologised and said that she will look into the matter and call me back. Till now i only got to know is that no status is reflecting in the system about my loan account or application.


The other day Riddhi called me and told me that she had spoke to Mr. Thakur and that they are checking upon it. On the other hand Shilpa Phulake who was co-ordinating with me says that my application was rejected my the concerned depaatment. When i enquired her for the reason she told me that i did not receive the calls they made me for the verification process, to which i strongly refused and said that it was impossible and i never received any call. She kept arguing with me and finally she said that she'll again submit my documents and post that in the same week i'll receive the amount as it is pre approved and that there will be no problem, but the submission will has to be done in the momnth of March again as Feb was about to end in 3 days. I agreed to it. I waited for it. Now again i called up to know the status to which she said that my loan application has been rejected again. i had called her up on her mobile phone. I was really surprised by her answer. i told her that even then no phone calls made to me by the bank and i had to again call back. She said she had calledme on friday but i disconnected her call. to which i agree completely. but she never bothered to call me back again on Friday later, Saturday, Monday nor on Tuesday. I had to call them up. This is the type of Customer Service i am experiencing form my own bank, the bank which i BANK with. I have a salaried account with HDFC. I wasloosing patience while speaking to her but i still maitainedmy calm and spoke politely to which she rudely disconnected the call and switched it off.


I had even emailed Mr. Thakur about the same too, but he never replied back to my mail. I even called him up but he never received my call, never picked up his phone.

KIndly do something regarding the customer service.


Regards,
Shailesh Tengli
Pune-38

Dear Sir/Madam

I had applied for credit card 1 year back when it was rejected I dont know what was the reason .Soon I got call from other other HDFC bank they said it can be possible if I reply again, but again it was rejected.
After 1 year again I got call from HDFC Bank, Senapati bapat Road branch from Deepali. who said this time there will be no problem but after 45 days i have not got any response from you people.


I just want to know that you people only take the documents for log in file or you are serving your customers.

Dear Sir/Madam

I had applied for a Personal Loan of 100000/-. I had submitted all the required documents to the Bank through an agent (Sneha Joshi[protected] of the HDFC Bank Personal Loan Department. The internest rate is offered by Re-presentative is 16% but when i got a confirmation call from the HDFC Loan department they told me 22% interest rate. They have wasted my 4-5 days.

If Anyone apply for personal loan in HDFC Bank make sure they will charge correct interest rate.

Thnx

Regards,
Nilesh K

TO
Authority
HDFC BANK
Complaint/Customer Care

My Self Ratish Satishchadra Rele the administration manager of Bharat Business Channel Limited (Videocon Group Enterprise)
d2h.
i had applied my file for personal loan through SECURE WEALTH CORPORATION, Poonam Plaza Offc No 114, Opp Narender Park
Mira Road East, swap.[protected]@gmail.com,[protected], +91-[protected] (HDFC Bank DSA),

On 17 DEC 2011, i had completed all my pending docs submitted in DSA. Upto 25 dec 2011 no any verification from HDFC bank. so on 25th i called to that DSA (Mr.Sarfraz Nawaz) & ask about my loan feedback, there he has told me "My file is in under loan process and asked pan card clear copy... but the question is why he ask on 25 and why after my call only.??
anyway then i mailed clear pan copy same that day. but on 29 dec 2011 he return ask me the pan photo is not clear & want original pan card. but my self its a super clear copy (no need to ask - please check that copy attach with this mail ), i m surprises what the hell this working process of that DSA, But Then i also mail them my driving color copy on 29 dec 2011 where they can see my clear photo (ID) and resolve pending problem.
Now today is 4 jan 2012, and today they asking me both hard copy. Now i m shock, what was going on with my file whole 15 days completed and that DSA not yet logged my file, bec still there is no verification at my residence and office place. after this kind of irritated ness, i shouted on mr. sarfraz nawaz may be he is in-charge of your bank DSA, so he directly told me that he is going to reject my file and dont call again... now i ask you is this proper way to doing loan.???
Here i would to know why HDFC gives their DSA to like this stupid people (mr.Sarfraz Nawaz) whom not having proper training, working of how to do personal finance work. how can we trust on bank were they say personal loan in 48 hours. may be hdfc bank is not having well train sales coordinator, DSA. etc etc.

KINDLY GIVES BANK DSA TO PROPER PEOPLE WHOM PROPERLY HANDLE CLIENTS, AND KNOW THERE IMPOTENCY AND EMERGENCY OF LOAN.

REGARDS

RATISH RELE
ADMINISTRATION MANAGER
BHARAT BUSINESS CHANNEL LIMITED
(VIDEOCON GROUP ENTERPRISE)
D2H.
+91 [protected]

i have also suffered same problems with them.

while signing fd application one must check that "sweepin" is selected.
Else that can be simple fd made.

HDFC SAVING ACCOUNT — Fraudulent ATM withdrawal

Hi Sir/Madam,

I would like to bring to your notice that a fraudlent ATM widrawal has taken from my saving a/c with HDFC Bank.

I have lost all faith regarding the security and responsibility of the bank. I was assured by the bank representative that an action will be taken within two days however nothing has been done from their end.

I would like a stringent action taken against it.

Regards
Nisha

pls send my three mnts statment of my saving a/c

HDFC SAVING ACCOUNT — lost net banking userid

dear concern,
my acc no -[protected]
name-dharmendra uniyal
bank location-hdfc vasant vihar delhi
mob no-[protected]
I lost my net bank userid please regenerate same .

thanks .I will check.

BEWARE FROM HDFC BANK OPENING SAVING ACCOUNT

To the,
Regional Manager
Credit Card Division
HDFC Bank Ltd.

Dear sir I am Sarvjeet Singh, working in a telecom company at Noida. This is to inform you that I am holding HDFC Credit Card from last 3 years and due to some financial reason I was unable to make my complete credit card dues but was paying due amount in installments and I had decided that I will finished all my pending in next few months.

Few days back I got to know that my corporate salary account is blocked. I called in customer care then came to know that due to pending amount in credit card my salary account has been blocked. I went to Rajory Garden to settle down the case and the full payment but the people over there treated me badly and were not in mode to settle it down.

Now I am going to deal this issue through the legal way as there are some personal priorities where I need my salary account functional.

Please suggest what should I do now?


Regards,
Sarvjeet Singh
+91 [protected]

I totally believe above complaints. Same has happened with me. have been subjected to gross verbal abuse, breach of privacy and untolerable misbehviour by your employees Mr Jatin and Mr ram sitting at Rajouri Garden OFFice. your employees have not sent any statement neither email or anything for my bill and keep calling to pay the money.

The height is today between 2 and 3, MR Jatin called up again and again 20 times shouting on phone, telling me not to use the card if i cant pay. He wants to send his employee tomorrow at his convenience and wnats me to wait for him. When i asked him to first send em the bill, he told me that there is some fault in their system and they are not sending any bill.s Later, he started misbehaving tellnig me to pay as and wehn they are saying and asking me questions like where am i going on SUnday and why I am leaving home early. IT IS NONE OF YOUR BUSINESS. he further misbhaved and told me that he will complaint against my boss and further kept on demanding. KINDLY REGISTER IT AS EXTORTION CALL.

he then DEMANDED AN EXPLANATION OF WHY I DONT PICK UP HDFC'S BANK CALLS. DESPITE MY REPEATEDLY TELLING HIM THAT I HAVENT RECEIVED ANY BILL, HE MISBEHAVED, USED RUDE LANGUAGE AND TOLD ME NOT TO USE HDFC CARD IF I DONT HAVE MONEY. PLESE CHEKC YOUR CALL RECORD, I told him clearly that i want to pay the full amount but send me the bill first but he KEPT ON MISBEHAVING ASKING ME PERSONAL QUESTIONS AND SHOUTING.

I HAVE FILED A POLICE COMPLAINT AND I WILL ENSURE THAT THEY ARE DEALT WITH PROPERLY.

Misbehave by the Collection Agent (lady)

I am having a HDFC credit card for the past 1 year. I have been harrassed by the Collection Telecaller of HDFC Bank . I have been making my payments regularly except from July 2008. Since my financial position is tight I am making delayed payments to HDFC. I am also paying the interest rate and penalty fee for the delayed payments.

The payment I had to make was 3000 and I informed the lady that I might not be able to make a payment today, but ya surely in next week and I am ready to pay the extra.

And she is like "At any cost you have to give the cash. You better make the payment. We are the people who gave the money and so we have the right to get our money back"

When asked for her name, she says " You want to complain to my manager? I dont care"

I am surprised to hear that. Are the managers just for a namesake without any responsibilities. If so I am not surprised by the attitude and behavior of the employees under that manager.

She shouted at me and is using filthy language on the call. She talks all nonsense. Gave the name as Sunita and she is calling from[protected]

She is abusing in the phone. This disturbs me a lot and upsets and is spoiling my mood.

I called up the customer care department and I hope they get back to me.

Credit Card — miss comittment

TO,

DEAR SIR,

SUB : OVER CHARGES GVING TO ME WITHOUT GETING ANY INFORMATION

SIR,
I JUST KINDLY INFORM TO YOU THAT SOME BUDY CALLED ME IN YOUR COMP .HE SAY THAT, OUR COMPANY OFFERS U TOURIST PAKAGE + HANDLING BAG ON PER PHAPS 4 YOUR GOOD RECORD AND PERFORMANCE TAHT IS TOTALLY FREE OF COST NO CHAREGES TO GIVE UP YOU. YOUR EMPLOYE MISS COMITTED TO ME AND ALSO CHEATED ME ( YOUR COMPANY GETING OVER CHARGE ON ME OF RS. 8000/- THIS STUPID TRAVEL PACKAGE WITHOUT INFORMING TO ME MY CREDIT CARD NO- [protected]) I REQUESTED TO YOUR COMPANY, PLZ REMOVING THIS UN INFORMED CHARGES TO ME OTHER WISE I TAKE A STEP AND GOING TO CONSUMER COURT AND COMPLAINING AGAINGST YOUR COMPANY FOR THIS MISS COMITTMENT. PLZ, TAKE A ACTION ON IT OTHER WISE I CANT PAY ANY PAYMENT ON YOUR CREDIT CARD.

THANK U,


BEST REGARDS
POOJA ARORA
contact no- [protected]

hi
friends
is anyone interested to open a demat account free in HDFC Please contact us At
[protected]( Pruthviraj)

hi,
i am employee of renowned company.i have completed all the formalities.so far i have not received account no. when i talked with the person are there they are not giving response.
happening is i dont have PAN Card for that i already applied.but i am having learning license and SBI bank account.
if it is possible to open my account in hdfc. waiting for ur imminent reply.

i want to know my salary account number.
i am working as s.e in hdfc bank $my code no is cg 10148.
my date of joining is[protected]. $my date of birth is[protected].

I am Joe by name. I own a company called Hardwork Entertaintment Ltd. And i want to open a salary account for my employee. How do i get the format for that please help me out.

Question; Company Introduction letter for a Salary Account opening

Thx hoping to get reply soon.

i want salary account

Hello
I am Aliasgar and I am working in an educational firm and I wanna open a 0 balance account in HDFC is it possible .
You can contact me on my personal number [protected] or [protected].

I own a zero balance salary account.Last month after the withdrawal of a sum of amount thru ATM i found a sum of Rs2000/ as MOD balance and only the balance amout in the account as avail balance, i would like to know what this MOD balance is, which i'am not informed of.No employees at the bank could clear my doubt.

hiii
i m hasan ..working in HDFC bank for past 2 months i have received one slip of my salary account in which there is 4 thousand rupees is extra showing as MOD balance

i wanna know that what is this MOD balance is exactly n why it is in my salary account slip

thanks
regards
sheikh hasan
hdfc bank

njindia invest pvt. ltd. — salary not received

dear sir
i parvej alam khan was an regestration c.r.o. in njindiainvest pvt. ltd. at there ghatkopar branch. i lesft this job on 1st april, 2009. now its 5 months has passed but i still didn't get my salary of march month. i resigned from there after informing them and with there permission. i mailed 4 times to the concern person(vatsal soni) for my salary and NOC certificate but i didn't get any one of it.

i request you help me to get my salary and noc certificate.

hi this is mansoor i wanna to open salery accout, i request banker of hdfc to contact me, thanks

Greetings from M.sujatha
I am working in HR department in a finance company. We have completed all the formalities to open Salary account in HDFC bank, Somajiguda, hyderabad. But some of our employees dont have their surname in their ID proof (PAN card, Ration Card, Election Voter ID card, Driving License, and Arogya sree card and also in their SSC Certificate also), What we do in this case, some of our employees are be rejected to open salary account. What we do now ?

Kindly respond to me

Regards
M.Sujatha

iam employee of methodex systems limited in varanasi and our company has salaray account tie up of 36 branches in india, iam very much disappoint with service of your bank .In 3 branches of your bank i have submitted my documents but due to the ignorance of your employee and manager of sigra, lahurabir, i have faced much problem. now also i have submitted my all document near about 10 days, but unable to get my accout no.

Hi sir i have account in sbi in hyd. but suddenly igot a mod balance 7 lakhs what is the mod balance please telme deeply ok .any one

need to check wheather account is activated

Dear Sir/Madam,

I am employee of NJ India invest. I have completed all the formalities.so far i have not received my salary account no.& kit (ATM card & Cheque book) when i talked with your salary executive they are not giving response. Please do something as early as possible.

I have saving account in HDFC bank and i want to know my balance .

We would like to open corporate salary account of our Employees wth HDFC BANK so pl send us representative or details at below address.

MACHINO POLYMERS LTD.
PLOT NO. 2, SECTOR - 33,
NEAR HERO HONDA COMPANY,
GURGAON - 122001.

CONT NO ;- [protected]

sir,
I have a senior sales executives in hdfc bank sohana branch in Direct Sales. Request to my account
no.[protected]. and I dont know my Provident fund account. I request to you please send me a my provident fund account number and my salary slip .

Regards
krishan kant mahajan
senior sales executive
63012
hdfc bank ltd
sohana(mohali)
A/C---[protected].
Employee code no[protected]
Email.[protected]@gmail.com.

Please any one let me what is a MOD Balance?

Iam SBI salaried account holder. Today I found that MOD Balance in my account is RS.[protected] lakhs). Iam not getting what exactly it mean.

Hi sir i have account in sbi in FAIZABAD. but suddenly igot a mod balance 46 THOUSAND what is the mod balance please telme deeply ok .any one

Hi sir i have account in sbi in faizabad. but suddenly igot a mod balance 46 thousand what is the mod balance please tel me deeply about that .any one

Hi,

I am employee of M/S Exide Industries Ltd. in Aligarh spoke opreted from Agra branch and our company has salary account tieup of your Bank from calcutta baranch for all over india.
I want open salary account in Hdfc Bank-31, Ramghat Road, Aligarh.
How do i get the formet for that please help me out.
Thx hoping to get reply soon.

Note:-
1. I have HR appoitment letter of company & salary slips.

Hi,
I am employee of M/s Exide Industries Ltd. in Aligarh spoke opreted from Agra branch and our company have tie up of your bank from calcutta branch.
I want to open salary account in Hdfc Bank-31, Ramghat Road, Aligarh.
How do i get the formet for that Please help me out.
Thx hoping to get reply soon.

DEAR SIR,

MY AVALABLE BALANCE IS SUDDENLY GOES RS.1827 INSTEAD OF RS.[protected] WAS ADDED TO ***MOD BALANCE **** I DON'T KNOW WHAT IS THE MOD BALANCE. SO PLEASE HELP ME TO UNDERSTAND WHAT IS MOD BALANCE (******MOD BALANCE*****)


WHAT IS MOD BALANCE ?

i want to open the salary account but dont know to open a account and dont know to fees process ...

I m employee of reputed Pvt.Ltd company working at jodhpur (Rajasthan) Branch
We wan to open salary account in HDFC bank-chopasani road Branch Jodhpur .So we submitted all required Documents, ID Proof & Referance letter to HDFC's Bank's Represntive"Miss Sweta"

we have submitted all our documents & they will inform us that we will recieve our Salary account number within 2 days

Before 8 days we have submitted our application form..but still today we haven't recieve our Account conformation

& Bank staff not giving responce to our appication...its urgent to submitt our accoutn detail in our company..but due to Bank's iresponcible work we are in big trouble...& we haven't recieved salary yet

Plz. do something for us... Thanx & Regards

i have open the zero balance salary account at HDFC bank. i would like to know the formalities to change salary account to Saving Bank account.



Can anyone pls help me.

I wanna know that what is the third party deposite & why the charges applicable for the deposit by me or else n why it is in my salary account. so plz clear me or asap

Dear HDFC Executives,
I am Sivasubramanian From Chennai Tamil Nadu, India.I working as senior software engineer in SIPTECH Solution Ltd.Chennai Elnet Software City Next To TIDEL Park.
Our company have salary a/c with HDFC Bank In Sastiri Nagar Adayar Chennai.I am willing to open Salary A/C in HDFC.Our company tried to open a/c for me.But HDFC executives didn't interested for creating A/C.I am very same to this kind of service.Please help me to Open Salary A/C For me.
Thanks & Regards
Siva

i am lubin from kallambalam, working in hotel taj ..i am really hurted for the incident happend in hdfc branch, karamana, trivandrum, : for account opening, when i submitt details of my account in karamana branch that officer is very very poor in service.this make a bad image to your services.last i am very happy because, of one of the other officer mr.anil kumar help me and i am satisfied with him.he is really nice and responsible man...

thanks
Anil kumar
hdfc bank
karamana
trivandrum.

Hi This is Padma Kandala padma.[protected]@yahoo.com cont - [protected]/[protected]
My account is not activated

as per account num - an date -15/05/2010 AccNUm - [protected]

Area Mg Road View the Map and get directions for this Branch

Address 25/1 Mg Road
Shankaranarayana Building
Bengaluru - 560001

still i have did not received msg from your Hdfc bank
So plz as soon as requesting you to activate my account

From Mphasis
Designation - Obelix CSO

thanks
regard
Padma Kandala

I have open the zero balance salary account at HDFC bank. I would like to know the formalities to change Salary Account to Saving Bank account. Please help me...

I have completed all the formalities.so far i have not received my salary account no.& kit (ATM card & Cheque book)

TO,

THE MANAGER

HDFC BANK LTD,
KATHRIGUPPE,
BANGALORE 560085


SUB: (Continue Salary A/c [protected] in HDFC Bank )



Sir,

This is my Previous Company Salry A/c [protected], I want to Continue my Salary A/c, Plz Convert and let me know
I hereby Certify that the below mentioned person is an employee with us having the Employee Code No –TK5996 and the Address, Signature & Photograph in this form is in accordance with our records, We confirm his employment with us since 1st Sep, 2010
As per our records, he does not fall in the tax slab and hence not required to submit PAN no, In event of the above employee leaving the company, bank shall be entitled to close the salary A/c basis an intimation of same from the corporate

This Certificate is issue to open Salary A/c in HDFC BANK

Please find the below Employee Details:

Corp Name: T & M Services Consulting Pvt Ltd,
Corp Code: TAN002
Employee Name: SUDHAKAR PALAI
Employee Code: TK5996
E-mail: sudhakar.[protected]@kotak.com / [protected]@yahoo.com
Mobile No +91 [protected] / [protected]

PLZ CONVERT MY SALARY A/c No [protected], I want to continue my A/c [protected], this is my preveious company salary A/c [protected]

Dear Banker,

I working in TEAMGLOBAL LOGISTICS PVT LTD co. .Company open my a/c in your bank but some address issue not receiving me the WELCOME KIT & my A/C also block

Please I send you complaint form its no.is EA[protected] .so I humbale requist to you quick action on that, so I can Enjoy the Banking.

So please do that ...

hi this mahalakshmi i want salary account pls cont[protected] asap.

dear sir,
I join hdfc bank bulandshahr D.M. road branch as a Contract Sales Executive .My joining date is 27/12/2010 and my Acquition Manager was Mr. Jeetan Sehrawat who transfer to Ghaziabad Indirapuram Branch, My Emp.Code is CP15476 and name is Praveen Kumar Saxena .
I have not get my salary account detail from joining to till today and nobody halp me about this matter .Now I am hopeless and gatting suffer from my financial condition.
Now this is your duty as superior that you solve my problem and take any further action against this fault.In hope a positive reply by you.

Thanking You,

Your's Sincerly

Praveen Kumar Saxena
Emp.Code CP15476
DM Road, Bulandshahr (U.P.)203001
Cont.No.[protected]

I AM SALIREDACCOUNT OPEN THE MONDAY 18th and not account number recive the today 28th sir i request my account number please sending the urgent.MY NAME IS NITIN BAJPAI FROM THE HDFC BANK AUTO LOANS SALES EXUCTIVE.

Hi Dear Sir /Madam, I am vinoth kumar from bangalore. i am working as a trainee insurence surveyor in Cunningham Lindsey International Pvt Ltd.. JP Nagar 5th Phase, Bangalore . My date of joining 05.05.2011 i want create open Salary Account and i have Company offer letter and PAN card, Id proof only...I got offer letter and Payroll slip with digital sign from our delhi head office Managing Director...then i went 4 or 5 times in jp Nagar 2nd phase HDFC bank but that bank acc..staff (Mr.Thananjar) Contact no [protected]...did not accept my documents... so i am in Critical situation ...so kindly please give me some idea...
This is My contact no [protected]
Thanking You, Yours Faithfully,
B.vinoth kumar

netbanking traction problem

dear sir my netbanking peroblam traction peroblam 2 days i am counstlat your hdfc bank but not soultion my peroblam i am trction ony day 50 to 60 many lose my i am colse my account not peroblam sot out me

reg- my two wheeler loan account deatils summary

Sir, i have an two wheeler loan account in your bank i want know my two wheeler account deatils & summary

as iu have a credit card with your bank vide credit card no [protected] as i had been told that someone has misused my credit card and now bank will cancel this card and send yoy the new card but till date i didnot recd my credut card you are requested to kindly send me the credit card at the earliest or call me at this no [protected]

thanks & regards

maninder pal singh

ATM — WITHDRAWL OF MONEY FROM HDFC ATM

Dear Sir,
I (Miss Parul Singh) am having a salary account in UBI ASAF ALI ROAD BRANCH bank(A/C NO. [protected]).This is regarding a transaction(Dated:[protected], Particulars: [protected]/[protected]/413) made from my salary account ,I was withdrawing Rs. 3000 from HDFC BANK ATM in Munirka ,New Delhi, the whole process took place, but at end the message which was shown was ‘CARD IS INVALID’ and the amount was deducted from my salary account . So please look into this matter I’ll be highly obliged to you.
THANKING YOU.
Yours Faithfully,
PARUL SINGH

Dear Sir/Madam
Plz Give me Entraction How to Activate my Account

To,
The Branch Manager,
HDFC Bank,
11th Floor, Ambadeep Building,
14, K.G. Marg.
New Delhi.

Sub: Non accepting the Loan amounting Rs.48, 043/-

Sir,
I was applied for a loan of Rs. 1, 00, 000/-(Rs.One Lack) your representative Sh. Noor Mohammad who was collecting my document from my office i.e. Room No. 106, Directorate General of Home Guards & Civil Defence, Nishkam Sewa Bhawan, CTI Raja Garden. He give me assurance that my required loan amount Rs.1, 00, 000/- has been approved and the documents are required to be sign. I asked him to show me approval but he gets my sign. And keep me in dark.

A disbursement Advice dated Mar-11-2008 Reference No.[protected] Account No. 12862935 a loan of amounting Rs. 48, 043/-(Rupee Forty Eight Thousand Forty Three Only) have been sanctioned and delivered to my office to some one.

Sir I was applied for loan Rs. 1, 00, 000/-(One Lakh Only) and sanctioned amount is very lover and not fulfill my requirement and not sufficient for me this amount is not acceptable to me I am surrendering this Cheque to you

It is therefore requested kindly cancelled this loan.

Thanking you

Yours truly,


(MOHD.FAROOQ)
Instructor Civil Defence,
Encl. Cheque No. 179554 dt. 11/03/2008 Dte, Genl. Of HG & CD,
Room No. 106, First Floor
(M) [protected], (O[protected] Ext.no. 726
Copy to :-
1. Governor Reserve Bank of India, with the request to kindly see the working procedure of bank and working of their staff.
2. Delhi State Consumer forum with the request to kindly help me in this case against the Bank Policy or their employee.
3. Manager Punjab National Bank, with the request to kindly stop the any kind of payment releasing to HDFC Bank through Cheque No. 050775, 050776, 050777 and 050778 or ECS
4. Hon’ble Supreme Court of India, New Delhi for information please.


(MOHD.FAROOQ)

My international debit card has been blocked. Kindly relese the lock so that i can draw money from ATM's.

This is one of the bad service they giving after deduction a amount the sending latter to home before increasing the account from 2500 To 10000 They didn't send me latter after charging the 827 they send the latter to my home this is very bad from HDFC BANK JAKASANDRA Branch

They Give Me Contact no They didn't pick the call so please take action

Thanks

This is very very very very very very very very bad service i see that before increasing the account balance they didn't send the latter after charging amount they send me the latter

HDFC Credit Card — False commitments and undue harassments by HDFC Credit Card employees

I AM CUSTOMER OF YOUR BANK , MY GOLD CARD NO-[protected] . ON 25.10.2007 FROM BHUBANESWAR BRANCH A CALL COMMING FROM [protected] AT 13.55 CALL WAS A LADY , WHO THREATEN AND USED UNCIVILISED WORDS TO ME . IT WAS UNBEARABLE .WE HOPE BANK WILL INQUARY THIS MATER AND TAKE ACTION AGAINEST THE LADY WITHIN SEVEN DAYS , OTHERWISE, I COMPAIL TO SUIT A DIFAMATION CASE AGAINGT THE EMPLOYEE ASWLL AS THE BANK .

I completely agree to this.. HDFC Sucks... Life threatening calls till abusive words for us and even for our family members... shut down this godamn bank...! not worth having any customers, you dont deserve any!

AXIZ BANK/CREDIT CARD — False commitment made and deny of commitments by officers

AXIS BANK CREDIT CARD NO [protected]
On request of A Sales manager O[censored]TI BAnk now Axis Bank, I applied for a card.I made soem purchases but recieved the bill on 10th of April, the due date of the last payment.I made the payment and iformed customer care regarding the same, who in turn assured me of reversal.After that two statements were recieved by me but the charges were still reflecting.I called up customer care in July and the executive promised me a reversal and requested me to deposit the oustanding amount and the same would be reflecting against my credit balance in the next statement.I did so and made some purchases for the amount so that my bill would be balanced .But nothing happened.After that i have been regularly mailing them but there hasnt been any response.Instead everymonth they send the bill with accumalated charges.I have spent hundreds of rupees in calling them in their BOMBAY Customer care and even on request of a sales manager deposited the amount i had made purchases for.There hasnt been any reversal.I have umteen times asked them the recording regading my talk with the executive who had promised the reversal but they have been deviating from the statement and denying all such commitments.
The staements have damaged my credibility in my area and i am mentally harrased by AXIS Bank 's Behavior.There is no one to listen and the customer care doesnt response.I have sent more than 15 mails but there hasnt been a proper reply nor any action to resolve my problem.
Officers like Vineet garg, Prashant Kabade have promised to revert back but never ever done so.

Plz help and advise me for my next course of action

Thanking You
Regards

Naveen Kumar Agarwal
[protected]

I strongly agree with all those getting suffered for having HDFC Bank Credit card.For being an employee of a MNC, i have been requested several times to apply for a credit card of HDFC Bank by their executives.They rang me up in my mobile several times to convince me for applying the card.After many request, i have applied one.But idont like to purchase in credit card.But used for 2 or three times and i paid it back to bank before even getting the statement.But now they are sending statements which are showing that i have taken a credit of Rs.40, 000/- which is beyond my imagination.Now the bank executives are calling me up at my mobile and at my residence number and using abusive languages, and also threatening my elderly parents.Now, i have requested them to come to a settlement through my legal counceiler as i dont want harrashment of my elderly physically challeged parents.They have even send "Gumdas" to threaten my parents.Please suggest me what i should do in stead of keeping faith on the law of the land.

Rajeswari,

Please do not try to send me an pre drafted Email.

As per your last email i tried calling the Telephone #s mentioned there in the email both Bangalore and New Delhi(Looking For Miss Monica Khana).

This activity was repeated for Last three days and spoke to different executives. One of them was Disha Verma not ready to get Monica on line.

Now you have been telling me that there is no record of me reporting the loss of the card and i have captured incident from your organisation which is again catching my nerves.

I was told that you people have already sent me an Settlement letter and this shows in your record. I have not yet received any kind of settlement letter on the address given to you in one of my previous email and you should have a record of the delivery date and the person who received it.

Your executives don’t know how to talk to customers and their irate tone as if I have disturbed them.

I have been a part of the service industry for last 8 years and have never come across any situation where a customer was tortured till Death. I HAVE ALREADY SUFFRED TREMENDOUS LOSSES DUE TO THIS CREDIT CARD..

MENTAL SOCIAL FINANCIAL PERSONAL... I AM KEEPING A TRACK OF ALL THESE EMAILS TO SHOW PEOPEL HOW HDFC RUIN THE LIFE OF THE CUSTOEMRS WHO DRE TO OPEN AN ACCOUNT WITH THEM.

I HAD TO LEAVE Wipro Just because of this never ending Pain because you guys were eating my Hard earned Money(MY Salary)

HDFC force people to HANG Themselves

Thanks,
Victor Wilson
American EPay
Office:[protected] Extn: 2327
Fax:[protected]
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631

From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: 08 May 2008 08:29
To: [protected]@americanepay.com
Subject: RE:'HBL=[protected]' RE: RE: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account. On receipt of your email, we have once again taken up a detailed study of your case, basis your complaint and wish to share the following with you.

As communicated earlier, we observe that our records do not indicate your intimation on the loss of your credit card. We wish to reiterate that an amicable settlement had been arrived on the outstanding dues on your card for an amount of Rs.15300.00 payable in six monthly installments during the month of September'06. We observe that the payment towards the same was not effected within the stipulated time frame and the settlement was deemed null and void.

As clarified in our earlier emails, we take this opportunity to reiterate that a settlement on the card account is arrived upon mutual agreement between the customer and the Bank and a settlement letter is issued upon finalisation / acceptance by both the parties on the outstanding dues at that point in time. We wish to inform you that upon your request, the settlement was reconsidered and the same was validated. We wish to highlight that we had processed the refund of lien for an amount of Rs.6730.00 towards your savings account.

As mentioned earlier, owing to the fact that the Bank has incurred a financial loss due to the earlier settlement offer, the Bank reserves the right to refer your card details to the negative database/regulators. As is mentioned in the Card usage guide relating to the Credit Bureau India Ltd.(CIBIL), the Bank is authorised to disclose from time to time any information regarding the credit card(s) to any credit bureau (Existing and Future) without any notice to the customer. The Credit Bureau India Ltd.(CIBIL) is an initiative of the Government of India and Reserve Bank of India to improve the functionality and stability of the financial system. All Banks and financial institutions participating in this initiative are required to share customer data with CIBIL.

Mr. Dagar, we regret our inability to accede to your request to delist your details from the referred database in the absence of payment of Rs. 57328.76 towards your credit card account. We request you to effect necessary payment to enable us do the needful.

We request you to contact our bank representatives, at the contact number:[protected] to arrive at an amicable resolution and for any further assistance / clarification that you may require with regard to your credit card.

We request you to contact our Bank Officer, Ms. Monica Khanna at the contact number:[protected]/41809124 for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Regards


Rajeswari Jayasekar
Senior Manager – Service Quality
Credit Cards





-----Original Message-----
From: victor Wilson ([protected]@americanepay.com)
Date: Monday, May 05, 2008 05:36 PM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: RE: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Shalini,

Thanks and i will wait for your response.

Thanks,
Victor Wilson
American EPay
Office:[protected] Extn: 2327
Fax:[protected]
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631

From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: 03 May 2008 02:04
To: [protected]@americanepay.com
Subject: RE:'HBL=[protected]' RE: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg



Dear Mr. Dagar,

This is further to your appended email regarding your card account.

We wish to inform you that we are looking into your concerns and will respond to you within 7 business days. We thank you for your patience and request you to bear with us in the interim.

Assuring you of our best attention at all times.

Regards,


Shalini
Deputy Manager - Correspondence
Credit cards

-----Original Message-----
From: victor Wilson ([protected]@americanepay.com)
Date: Tuesday, April 29, 2008 09:15 PM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Rajeshwari,

Madam with due respect!

See there is no point beating around the same facts which we have already discussed and read numerous times. If you look back in your records you would find that i have been telling you that ALL THIS HAPPENED DUE TO THE LOSS OF THE CARD AND LATER ON MISUSED. DUE TO SOME TECHNICAL REASONS THIS IS NOT RECORDED IN YOUR SYSTEM(Also told to me by one of your credit officer from Delhi)

Let me shout AND SCREAM TO THE TOP OF MY VOICE AND TELL YOU THAT I DIDNT MISUSE THE CREDIT CARD AND IT WAS STOLEN. PLEASE ALL THIS IS GIVING ME MENTAL TORTURE AND DISTURBING MY PEACE. PLZ PLZ DONT FORCE ME COMMIT A SUICIDE DUE TO THIS TRAUMA. My only mistake is that i signed on that credit card application which you people reflected as a big offer when i opened another account as a salary account at Wipro... Plz plz plz don’t do this this is harassment till death.

I HAVE BEEN DEALING WITH HDFC BANK SINCE MY FIRST JOB(2001-BARISTA) AND STILL HAVE AN ACCOUNT WITH YOU PEOPLE. Does that tell you that i have been associated with HDFC since last 7 years in different companies.

Please get the needful done and lets not make it any more difficult

Thanks,
Victor Wilson
American EPay
Office:[protected] Extn: 2327
Fax:[protected]
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631

From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: 29 April 2008 10:07
To: [protected]@americanepay.com
Subject: RE:'HBL=[protected]' RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

We take this opportunity to reiterate that our records do not indicate your intimation on the loss of your credit card. We once again clarify that that an amicable settlement had been arrived on the outstanding dues on your credit card account for an amount of Rs.15300 payable in six installments during the month of September 2006. As the payment towards the settlement amount on your credit card accountwas not effected within the stipulated time frame, the settlement was deemed null and void.

As mentioned in our earlier interaction, a settlement on the card account is arrived upon mutual agreement between the customer and the Bank and a settlement letter is issued upon finalisation / acceptance by both the parties on the outstanding dues at that point in time. Basis your concerns expressed on the exercise of lien on your savings account, for an amount of Rs.6730.00, we had reconsidered the settlement on your credit card dues and had arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account.

We understand that you are not in receipt of the settlement letter of your credit card account. We have arranged to resend the same to the address as mentioned by you. You may look forward to receiving the same shortly.

As clarified earlier, it is clearly mentioned in the Card usage guide that, as per the extent of business the bank is authorised to disclose from time to time any information relating to Credit Card(s), to any credit bureau (Existing and Future) without any notice to the customer. The Credit Bureau India Ltd.(CIBIL) is an initiative of the Government of India and Reserve Bank of India to improve the functionality and stability of the financial system. All Banks and financial institutions participating in this initiative are required to share customer data with CIBIL.

Owing to the above and the fact that the Bank has incurred a financial loss due to the earlier settlement offer, the Bank reserves the right to refer your card details to the negative database/regulators. We reconfirm that we would be able to delist your details from the referred database on receipt of your payment for the total outstanding of Rs.57328.76 towards your credit card account.


We request you to contact our Bank Officer, Ms. Monica Khanna at the contact number:[protected]/41809124 for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Regards


Rajeswari Jayasekar
Senior Manager – Service Quality
Credit Cards











-----Original Message-----
From: victor Wilson ([protected]@americanepay.com)
Date: Friday, April 25, 2008 08:31 PM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Cc: [protected]@ndtv.com ([protected]@ndtv.com)
Subject: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Rajeshwari,

Thanks for reverting back to me after such a long wait however I am not convinced with whatever facts and figure you have mentioned in your email.
TA
First thing first...

I tried contacting you people at the # given in your email however till date they don’t respond back. They try to treat me with no respect and I feel humiliated by the unprofessional words they use.

A settlement letter was never sent to me on the address for communication.
I have been requesting for the same since the month of December 2007 and that long enough a period to be patient.
I carry no records of this settlement which is again not professional.

Let me remind you that I still hold an account with HDFC and also have plans to be with the same organization for this new venture American EPay.

WE ARE IN A URGENT REQUIREMENT OF 50 NEW SAVINGS/SALARY ACCOUNTS FOR THE EMPLOYEES WORKING AT AMERICANEPAY WHICH HAS BEEN RECENTLY OUTSOURCED IN India.

I understand all the legal notifications which you have tried to express in your email however you probably have no idea of the HARRASMENT which I have been through and looks like it’s being CONTINUED .

The loss was not only to your bank however it was to me too in a greater extent(MENTAL/Social/Financial).Lost my peace due to this trauma I repeat once again THE CARD WAS LOST & Misused. I AGREED TO PAY THE SETTLEMENT AMOUNT

So here I would request(polite) you to do the needful to take my name out of the negative database and send me the letter at my Current address:::

931/Ist Floor
Sector 23a
Gurgaon.



Thanks,
Victor Wilson
American EPay
Office:[protected] Extn: 2327
Fax:[protected]
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631

From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: 25 April 2008 09:31
To: [protected]@americanepay.com
Subject: RE:'HBL=[protected]' RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email .regarding your credit card account.

At the outset, we regret to note the concerns expressed in your email. We take this opportunity to clarify the concerns expressed. We wish to state that payment of atleast the minimum amount due towards the card outstanding needs to be received by the bank to avoid levy of bank charges and ensure that the card account is active and available for usage.

On examination of our records, we observe that we were not in receipt of payment to cover the minimum amount due as per your monthly outstanding since August 2007. Owing to the same, the card account continued to incur bank charges and the credit card was subsequently invalidated from further usage. Further we observe that an amicable settlement had been arrived on the outstanding dues on your credit card account for an amount of Rs.15300.00 payable in six installments during the month of September 2006. As clarified earlier, we once again wish to inform you that a settlement on the card account is arrived upon mutual agreement between the customer and the Bank and a settlement letter is issued upon finalisation / acceptance by both the parties on the outstanding dues at that point in time.

Basis your concerns expressed on the lien exercised on your savings account for an amount of Rs.6730.00, we had reconsidered the settlement on your credit card account and had arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account. A written communication in this regard was also sent to your mailing address as per our records.

We take this opportunity to clarify your specific query on the card account details appearing in the negative lists, it is acknowledged in your Card Member Agreement that, as per the extent of business the bank is authorised to disclose from time to time any information relating to Credit Card(s), to any credit bureau (Existing and Future) without any notice to the customer. The Credit Bureau India Ltd.(CIBIL) is an initiative of the Government of India and Reserve Bank of India to improve the functionality and stability of the financial system. All Banks and financial institutions participating in this initiative are required to share customer data with CIBIL.

Owing to the above and the fact that the Bank has incurred a financial loss due to the earlier settlement offer the bank reserves the right to refer your card details to the negative database/regulators. We would be able to withdraw your details from the shared database on receipt of your payment for the total outstanding of Rs.57328.76 towards your credit card account.

We request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Regards


Rajeswari Jayasekar
Senior Manager – Service Quality
Credit Cards



-----Original Message-----
From: victor Wilson ([protected]@americanepay.com)
Date: Friday, April 25, 2008 07:18 PM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

This is the third email and still waiting for someone to contact me regarding my settlement letter.
Please show some sense of courtesy and professionalism.

Thanks,

Vishal

Thanks,
Victor Wilson
American EPay
Office:[protected] Extn: 2327
Fax:[protected]
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631

From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: 18 April 2008 16:00
To: Victor Wilson
Subject: <AUTO> 'HBL=[protected]' :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Customer,
Thank you for writing to us.
This is a system-generated response to acknowledge receipt of your e-mail. The subject line contains the reference number allotted to your e-mail. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Your feedback is important to us and we are committed to provide a satisfactory resolution. Our Customer Service Executives will respond within a maximum of two working days. In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution.

If you are an existing credit cardmember and have not mentioned your credit card number in your e-mail, please send us an e mail mentioning the same, to help us assist you faster.Our customer service representatives are available 24 hours a day, 365 days in a year for online assistance for your credit card queries at the call center numbers mentioned in the below URL.
http://www.hdfcbank.com/personal/cards/popup_ccnumbers.htm
Assuring you of our best services.
Regards,
Credit Cards Team

Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organisation is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise . The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd.


-----Original Message-----
From: Victor Wilson [[protected]@americanepay.com]
Sent: Saturday, Apr 19 2008 2:20AM
To: customerservices.[protected]@hdfcbank.com [customerservices.[protected]@hdfcbank.com]
Cc: [protected]@americanepay.com [[protected]@americanepay.com]
Subject: :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg
Mr. Philip,

CC  Rajeswari Jayasekar



I would request you to send me my settlement letter from HDFC Regarding the settlement of my account. As I have been waiting for the same since last four months.

I still hold a savings account with you people and still facing problems due to this settlement.

I had applied for an Education loan from a financial institution(other than HDFC) and found out that you people have put my name in a negative database which is like a HARRASMENT for rest of my life.

If you look at the chain email below you will understand the whole situation.

I was thankful to you people for helping me out at that time when we resolved the issue however it’s not fully resolved.

I had a word with the Billing executive and she was not able to help me with my concern.

I would be looking to hear back from you.

You can contact me at [protected] & [protected]

My Address is as follows

Vishal Dagar
931 First Floor
Sector 23A
Near IMT college
Gurgaon


Thanks,
Victor Wilson
American EPay
Office:[protected] Extn: 2327
Fax:[protected]
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631







Dear Mr. Philips,

I am happy and Thankful to few professional people like I came across while resolving this issue.

My best regards to you and your team. Thanks for keeping the trust and winning a customer once again.

Thank you

Vishal


Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Friday, December 07, 2007 10:54 PM
To: Victor Wilson
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

As mentioned in our earlier interaction and as apprised during the conversation with our Bank Officer Ms. Monica Khanna, we reconfirm that we have refunded the amount of Rs.6730.000 to your savings account. We confirm that your credit card is currently invalidated and there is no outstanding as on date on your credit card account. We assure you that you would be in receipt of a written communication regarding the same shortly.

In view of the above and the clarifications provided on your earlier interactions, trust the matter stands clarified and concluded.

We request you to contact our bank representatives, at the contact number:[protected] to arrive at an amicable resolution and for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Sincerely


Dinkar Philips
Deputy Vice President- Debt Management
Credit Cards.


-----Original Message-----
From: Victor Wilson ([protected]@americanepay.com)
Date: Thursday, December 06, 2007 09:10 PM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Rajeshwari,

I thank you for your time and efforts to resolve the issue. Today I got a confirmation call from one of your representative Maulika and she confirmed that the previous settlement has been considered and I will be getting a settlement letter shortly.

Please bless it if the above information is correct.

Thanks once again for the big relief.

Thanks,
Vishal


Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: Victor Wilson [mailto:[protected]@americanepay.com]
Sent: Monday, December 03, 2007 8:34 AM
To: 'HDFC Bank Credit Cards Support'
Subject: RE: 'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

I have been trying to contact your customer centre regarding this and they don’t speak on the same lines we have been talking since momths n months now.

Please stop fwd these already drafted emails and request you to be specific on certain aspects. I am reachable on my cell phone and if you can’t call me then give me the number of a responsible person I can contact.

We need to resolve this ASAP.


Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Monday, December 03, 2007 6:23 AM
To: Victor Wilson
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

We take this opportunity to reiterate that our records do not indicate your intimation on the loss of your credit card. We wish to clarify that your earlier settlement on your credit card account has been validated and we have arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account.

The same would be effective shortly.

Mr. Dagar we request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Sincerely


Rajeswari Jayasekar
Manager – Service Quality



-----Original Message-----
From: Victor Wilson ([protected]@americanepay.com)
Date: Thursday, November 29, 2007 08:49 PM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

Hi Rajeswari,

I appreciate your attention and the time you devoted to address my concern however with due respect I would like to disagree on the note that your bank do not have records of the card loss.

I had reported the loss of my card at 02.30 am on the very same day I discovered it.

Could you be more specific about the reconsideration on settlement of my credit card? Does that mean I need to go through another settlement or the previous settlement is considered as I have paid the entire amount with penalties etc?

I m not asking you any refund here instead want to settle this problem ASAP as this is once again disturbing my peace of mind.

I am already under medication and expect you to make it short and simple.

Once again let me repeat that I am not interested in any new settlement where you guys expect me to pay some money to settle the card.

Thanks for your time.

Vishal






Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Thursday, November 29, 2007 8:07 AM
To: Victor Wilson
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

It is unfortunate to note the concerns expressed regarding your interactions with the Bank. We wish to assure you that it is our constant endeavor to provide outstanding service to our customers and ensure that their banking experience with us is always pleasurable. We have taken cognisance of your feedback expressed and the same is shared with the concerned for suitable redressal.

We wish to clarify that regular contacts are established by the Bank to keep our customers updated on the status of their accounts and remind them of any dues which are to be paid to regularise their accounts. As the payment towards the agreed amount was not received within the stipulated period, the settlement was considered void.

We wish to inform you that our records do not indicate your intimation on the loss of your credit card. Basis your concerns expressed, we have reconsidered the settlement on your credit card account and have arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account. The relevant credit in your Bank account would reflect shortly. We confirm that your credit card is currently invalidated from further usage.

We request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Sincerely


Rajeswari Jayasekar
Manager – Service Quality
Credit Cards





-----Original Message-----
From: Victor Wilson ([protected]@americanepay.com)
Date: Thursday, November 22, 2007 04:07 AM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Philips,

I agreed with all terms and conditions of your bank at the time of settlement however you have no idea of the harassment and frustration I went through because of your organization and people working there. You need to look back on the regularity of payments till January and after that it was interrupted only because of the misleading by your people.

Overall I have already paid more than I was supposed to pay and I carry all the required documents to prove it.

Banking is another name of trusting people for your money and other needs not harassing them with abusive languages and threatening to them.

I was supposed to get my settlement letter from your end which I never received from your end I still cared to pay my instalments as per told.

I have already been contacted by the credit managers from the local office at my home and I have explained the situation to them number of times.

I appreciate the time u took to contact me and I have nothing against you however I would be interested in elevating your attention to the kind of experience I had dealing with HDFC. I was using your bank for my salary account since 2001 under different companies and had never expected this kind of treatment.

I have already mentioned about not making any further payments towards the whatever outstanding showing for that card. I hope u forgot to realize the card was stolen and I still had the courtesy to pay the settlement amount.

Thanks for your time


Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Wednesday, November 21, 2007 2:01 AM
To: [protected]@americanepay.com
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

On receipt of your mail, we have taken a detailed review of your complaint and wish to share our findings with you. We wish to state that payment of at least the minimum amount due towards the card outstanding needs to be received by the bank to avoid levy of bank charges and ensure that the card account is active and available for usage.

On examination of our records, we observe that an amicable settlement had been arrived on the outstanding dues on your credit card account for an amount of Rs.15300 payable in six instalments during the month of September 2006.

We wish to share that settlement offers are time bound and are decided based on the prevalent outstanding dues on the card account. Hence it becomes essential to avail/comply to the terms of the settlement offer by effecting a payment towards the agreed amount within the stipulated period, in the absence of which the same would be considered void.

We observe that we have been in receipt of payment towards the settlement amount on your credit card account however, the same was not effected within the stipulated time frame. Hence, the settlement was deemed null and void.

We invite your attention to our card member agreement where it is clearly mentioned that the Bank, at any time and without notice, will have a right of lien and set off on all monies belonging to the card member standing to their credit in any account whatsoever with the bank or in the possession or custody of the bank. In the absence of payment, the lien was invoked by the bank on your savings account and an appropriate notice was sent to your mailing address as per the bank records. In view of the same, an amount of Rs. 6730.00 was claimed from your savings account towards your credit card dues.

Mr. Dagar, we confirm that your card account is currently invalidated from further usage.

We request you to contact Mr. Nishant Sharma, at the contact number: [protected] for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Sincerely


Dinkar Philips
Deputy Vice President- Debt Management
Credit Cards.



-----Original Message-----
From: [protected]@americanepay.com ([protected]@americanepay.com)
Date: Friday, November 16, 2007 02:40 AM
To: [protected]@hdfcbank.com ([protected]@hdfcbank.com)
Subject: Complaint/Feedback for - Credit Cards NET.CS.Hpg

[protected][protected][protected][protected][protected]
Customer Type : Resident Indian
Customer Name : Vishal Dagar
Country : INDIA
City : New Delhi
Residence/Office No. :[protected]
Mobile No. : [protected]
Email ID : [protected]@americanepay.com
Product about which Complaint / Feedback : Credit Cards
Other Product about which Complaint / Feedback :
Your Complaint / Feedback (s) : Credit card # [protected] debit card [protected] My credit card was stolen and I reported the issue little later however I was ready to pay the amount which was reflecting on my side. it has been a terrible experience since day one using HDFC AS my banking company I was given a settlement amount of 15300. to be paid in six months. The manager at the local branch has been misleading me since begining.i was paying my installments regularly till January however in the month of February due to abusive phone calls from the bank I tried contacting the manager and reported the issue. HE was supposed to send the agent to collect the amount from my home as I was doing the night shift but it never happened. I still overlooked the matter and paid both the installments in march. after that I asked for the settlement letter as I was paying the last instalment and I had no faith in the people I was dealing with. they refused for the letter and hence I didn’t pay the amount in the following month. finally after being fed up of the system HDFC WORKS I PAID THE ENTIRE AMOUNT OF 1700 WHICH WAS LEFT IN MAY OF THE TOTAL SETTLEMENT AMOUNT. I UNDERSTAND I HAVE ALSO DONE A MISTAKE BY NOT PAYING IT ON TIME BUT IT WAS ALL BECOZ I WAS MISLEADED BADLY ALL THE TIME. the issue has caused tremendous humiliation and mental harassment to me and my family. In the month of June there was forced withdrawal of 7630 out of my salaried account for the same dispute. To tell u the truth I have also lost my Carrier and job at Wipro. I would like to bring this to the attention of higher management how painful it is to even deal with HDFC for its products. Please make a note of this that I am not going to pay even a single dime towards this credit card NO MATTER WHAT. please stop these collection calls or else I might have to approach to the legal authorities here for the harassment to me and my family. Was assured by the HDFC Credit Cards Authorities that once the settlement amount is paid a confirmation SEETLEMENT LETTER would be furnished to me. But, even after doing the same I have not received any settlement letters and the COLLECTIONS department keeps on the harassment and demands the letter by the bank.
Are you HDFC Bank's Customer? : Yes
Relation with Bank : Credit Card Holder
Account / Credit Card / Loan Account No. : [protected]
Branch Name : credit card
[protected][protected][protected][protected][protected]


Dear Mr. Philips,

I am happy and Thankful to few professional people like I came across while resolving this issue.

My best regards to you and your team. Thanks for keeping the trust and winning a customer once again.

Thank you

Vishal


Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Friday, December 07, 2007 10:54 PM
To: Victor Wilson
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

As mentioned in our earlier interaction and as apprised during the conversation with our Bank Officer Ms. Monica Hanna, we reconfirm that we have refunded the amount of Rs.6730.000 to your savings account. We confirm that your credit card is currently invalidated and there is no outstanding as on date on your credit card account. We assure you that you would be in receipt of a written communication regarding the same shortly.

In view of the above and the clarifications provided on your earlier interactions, trust the matter stands clarified and concluded.

We request you to contact our bank representatives, at the contact number:[protected] to arrive at an amicable resolution and for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Sincerely


Dinar Philips
Deputy Vice President- Debt Management
Credit Cards.


-----Original Message-----
From: Victor Wilson ([protected]@americanepay.com)
Date: Thursday, December 06, 2007 09:10 PM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Rajeshwari,

I thank you for your time and efforts to resolve the issue. Today I got a confirmation call from one of your representative Maulika and she confirmed that the previous settlement has been considered and I will be getting a settlement letter shortly.

Please bless it if the above information is correct.

Thanks once again for the big relief.

Thanks,
Vishal


Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: Victor Wilson [mailto:[protected]@americanepay.com]
Sent: Monday, December 03, 2007 8:34 AM
To: 'HDFC Bank Credit Cards Support'
Subject: RE: 'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

I have been trying to contact your customer centre regarding this and they don’t speak on the same lines we have been talking since momths n months now.

Please stop fwd these already drafted emails and request you to be specific on certain aspects. I am reachable on my cell phone and if you can’t call me then give me the number of a responsible person I can contact.

We need to resolve this ASAP.


Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Monday, December 03, 2007 6:23 AM
To: Victor Wilson
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

We take this opportunity to reiterate that our records do not indicate your intimation on the loss of your credit card. We wish to clarify that your earlier settlement on your credit card account has been validated and we have arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account.

The same would be effective shortly.

Mr. Dagar we request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Sincerely


Rajeswari Jayasekar
Manager – Service Quality



-----Original Message-----
From: Victor Wilson ([protected]@americanepay.com)
Date: Thursday, November 29, 2007 08:49 PM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

Hi Rajeswari,

I appreciate your attention and the time you devoted to address my concern however with due respect I would like to disagree on the note that your bank do not have records of the card loss.

I had reported the loss of my card at 02.30 am on the very same day I discovered it.

Could you be more specific about the reconsideration on settlement of my credit card? Does that mean I need to go through another settlement or the previous settlement is considered as I have paid the entire amount with penalties etc?

I m not asking you any refund here instead want to settle this problem ASAP as this is once again disturbing my peace of mind.

I am already under medication and expect you to make it short and simple.

Once again let me repeat that I am not interested in any new settlement where you guys expect me to pay some money to settle the card.

Thanks for your time.

Vishal






Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Thursday, November 29, 2007 8:07 AM
To: Victor Wilson
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

It is unfortunate to note the concerns expressed regarding your interactions with the Bank. We wish to assure you that it is our constant endeavor to provide outstanding service to our customers and ensure that their banking experience with us is always pleasurable. We have taken cognisance of your feedback expressed and the same is shared with the concerned for suitable redressal.

We wish to clarify that regular contacts are established by the Bank to keep our customers updated on the status of their accounts and remind them of any dues which are to be paid to regularise their accounts. As the payment towards the agreed amount was not received within the stipulated period, the settlement was considered void.

We wish to inform you that our records do not indicate your intimation on the loss of your credit card. Basis your concerns expressed, we have reconsidered the settlement on your credit card account and have arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account. The relevant credit in your Bank account would reflect shortly. We confirm that your credit card is currently invalidated from further usage.

We request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Sincerely


Rajeswari Jayasekar
Manager – Service Quality
Credit Cards





-----Original Message-----
From: Victor Wilson ([protected]@americanepay.com)
Date: Thursday, November 22, 2007 04:07 AM
To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Philips,

I agreed with all terms and conditions of your bank at the time of settlement however you have no idea of the harassment and frustration I went through because of your organization and people working there. You need to look back on the regularity of payments till January and after that it was interrupted only because of the misleading by your people.

Overall I have already paid more than I was supposed to pay and I carry all the required documents to prove it.

Banking is another name of trusting people for your money and other needs not harassing them with abusive languages and threatening to them.

I was supposed to get my settlement letter from your end which I never received from your end I still cared to pay my installments as per told.

I have already been contacted by the credit managers from the local office at my home and I have explained the situation to them number of times.

I appreciate the time u took to contact me and I have nothing against you however I would be interested in elevating your attention to the kind of experience I had dealing with HDFC. I was using your bank for my salary account since 2001 under different companies and had never expected this kind of treatment.

I have already mentioned about not making any further payments towards the whatever outstanding showing for that card. I hope u forgot to realize the card was stolen and I still had the courtesy to pay the settlement amount.

Thanks for your time


Thanks,
VICTOR WILSON
Best Practices
American Epay
[protected] extn:2327
E-mail:[protected]@americanepay.com
Fax:[protected]
American EPAY Inc.
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631



-----Original Message-----
From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
Sent: Wednesday, November 21, 2007 2:01 AM
To: [protected]@americanepay.com
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

Dear Mr. Dagar,

This is further to your recent email regarding your credit card account.

On receipt of your mail, we have taken a detailed review of your complaint and wish to share our findings with you. We wish to state that payment of at least the minimum amount due towards the card outstanding needs to be received by the bank to avoid levy of bank charges and ensure that the card account is active and available for usage.

On examination of our records, we observe that an amicable settlement had been arrived on the outstanding dues on your credit card account for an amount of Rs.15300 payable in six installments during the month of September 2006.

We wish to share that settlement offers are time bound and are decided based on the prevalent outstanding dues on the card account. Hence it becomes essential to avail/comply to the terms of the settlement offer by effecting a payment towards the agreed amount within the stipulated period, in the absence of which the same would be considered void.

We observe that we have been in receipt of payment towards the settlement amount on your credit card account however, the same was not effected within the stipulated time frame. Hence, the settlement was deemed null and void.

We invite your attention to our card member agreement where it is clearly mentioned that the Bank, at any time and without notice, will have a right of lien and set off on all monies belonging to the card member standing to their credit in any account whatsoever with the bank or in the possession or custody of the bank. In the absence of payment, the lien was invoked by the bank on your savings account and an appropriate notice was sent to your mailing address as per the bank records. In view of the same, an amount of Rs. 6730.00 was claimed from your savings account towards your credit card dues.

Mr. Dagar, we confirm that your card account is currently invalidated from further usage.

We request you to contact Mr. Nish ant Sharma, at the contact number: [protected] for any further assistance / clarification that you may require with regard to your credit card.

Assuring you of our best attention at all times.

Sincerely


Dinkar Philips
Deputy Vice President- Debt Management
Credit Cards.



-----Original Message-----
From: [protected]@americanepay.com ([protected]@americanepay.com)
Date: Friday, November 16, 2007 02:40 AM
To: [protected]@hdfcbank.com ([protected]@hdfcbank.com)
Subject: Complaint/Feedback for - Credit Cards NET.CS.Hpg

[protected][protected][protected][protected][protected]
Customer Type : Resident Indian
Customer Name : Vishal Dagar
Country : INDIA
City : New Delhi
Residence/Office No. :[protected]
Mobile No. : [protected]
Email ID : [protected]@americanepay.comProduct about which Complaint / Feedback : Credit Cards
Other Product about which Complaint / Feedback :
Your Complaint / Feedback (s) : Credit card # [protected] debit card [protected] My credit card was stolen and I reported the issue little later however I was ready to pay the amount which was reflecting on my side. it has been a terrible experience since day one using HDFC AS my banking company I was given a settlement amount of 15300. to be paid in six months. The manager at the local branch has been misleading me since begining.i was paying my installments regularly till January however in the month of February due to abusive phone calls from the bank I tried contacting the manager and reported the issue. HE was supposed to send the agent to collect the amount from my home as i was doing the night shift but it never happened. i still overlooked the matter and paid both the installments in march. after that i asked for the settlement letter as i was paying the last installment and i had no faith in the people i was dealing with.they refused for the letter and hence i didnt pay the amount in the following month.finally after being fed up of the system HDFC WORKS I PAID THE ENTIRE AMOUNT OF 1700 WHICH WAS LEFT IN MAY OF THE TOTAL SETTLEMENT AMOUNT. I UNDERSTAND I HAVE ALSO DONE A MISTAKE BY NOT PAYING IT ON TIME BUT IT WAS ALL BECOZ I WAS MISLEADED

Thanks,
Victor Wilson
American EPay
Office:[protected] Extn: 2327
Fax:[protected]
Citicorp Plaza, Suite 510
8420 W. Bryn Mawr Ave
Chicago, IL 60631

=
=
=
=

I apply for a change my billing address before 7 days still i do not receive my credit card till now and whenever I make call in credit card customer care they told me that sir within 5 day you will receive your credit card so pls send me my card earlier to earlier.

Dear sir,

Citi bank offered me the top off loan on existing loan and i had taken that but for some personal problem i had to cancel this loan and i had done that by sending back the DD to their office. They had taken 25 days to cancel the top off loan and confirm me on 20th Aug, 08 but surprisingly again Reboked the loan amount of existing loan which i never told them to rebooked, actually i told them i will pay existing loan amount immediatly as per their guidelines..

Citi Bank managers confirm me that they will not charge any preclosure on top off loan and existing loan if i pay immediately and i had done that by taking loan from other bank on 12th sept, 08. I had again and again contacted them and waited for their reply, they just pass the time by saying to wait upto billing statement every month from Aug. Now their charges was leivelled again on my billing statment amounted to Rs.17, 000/- and they are denying any commitment given to me on phone .. They are just fooling the customer on phone and rebooking the loans with out any confirmation, keeping the customer darkness to collect the charges falsely... They are using my card account like their personal savings account .. MOre ever i didnt receive any closures of all loan taken with this bank even after i had requested from last two months.. This banking they are doing with the customers, and changing their words, commitment as they like.. Please take urgent action on this bank immdiately

Hakeem
[protected]

HDFC Credit Card — HDFC credit card, delisting from CIBIL A/C

I was having a credit card account with HDFC.
Due to some urgent reasons I went to UK for a year. I asked my HDFC, card support people, to let me know my balance urgently, but as I was not aware of my last transaction they didn't check my balance.

After coming from there, I got few calls from collection; I made some payment as per the agreement.
After a year I come to know that I am in the defaulters list in CIBIL, and the payment I made was for settlement, not for closing the account.

I made payments again and got a NOC from bank in 20 days, and forwarded my request for delisting my name from CIBIL. It is almost 2 months over and they don’t have any answer for the TOT (Total Turnaround Time) on my request and also they dont reply on mails as well.

I HAVE A HDFC CREDIT CARD SINCE 3 YEARS, WAS DOING MY REGULAR PAYMENTS ON TIME .SINCE LAST YEAR MAY I WAS NOT ABLE TO MAKE PAYMENT ON TIME AS I LOST MY JOB AND MY FINANCIAL SITUVATION IS REALLY BAD .SINCE JULY I STARTED GETTING CALLS FROM HDFC BANK RANIJUNG BRANCH SECENDRABAD ASKING ME FOR PAYMENT .I EXPLAINED MY SITUVATION BUT THE REPLY I RECIEVED IS ( TO SELL ALL HOUSE HOLD ITEMS AND MAKE THE PAYMENT) THE COLLECTION AGENT AGENTS SPOKE WITH ME WITHOUT ANY RESPECT.HUMANITY AND THEY STARTED SENDING RECOVERY AGENTS. SO I MANAGED TO PAY 4000 RS FOR 2 MONTHS.LATER I WAS NOT ABLE TO MAKE .SUDDENLY FROM FEB 2TH ONWARDS I STARTED GETTING HARRESMENT CALLS FROM MANAGER CHANDRA SEKHAR FROM HDFC BANK ASKING ME TO MAKE THE PAYEMENT. THEY CALLED TO MY HOME AND STARTED SPEAKING WITH MY WITH MOTHER ATLEAST 15 TIMES IN A DAY FOR THE PAYMENT, I MADE 4000RS LAST MONTH AND I ASKED THEM FOR SETTLEMENT, .THE MANAGER INFORMED ME THAT HE WILL SETTLE THE CARD IF I MAKE THE PAYMENT, SO I MADE .HE INFORMED ME THE CARD WILL BE SETTLED FOR 74, 000RS AND 4000RS WILL BE DEDUTED, AND I INFORMED THE MANAGER ALSO EVERYTHING I WILL MAKE 5000RS AS PAYMENT FOR 9 MONTHS .BUT SEND THE THE SETTLEMENT AMOUNT PAPERS .HE STARTED SAYING THAT HE WILL SEND THE PAPERS IN JULY AND TILL JULY MAKE EVERYMONTH 5000RS .WITHOUT ANY PROOF HOW CAN I COME TO A CONLUSION THAT THE CARD IS SETTLED FOR 74, 000RS .AND AGAIN THIS MONTH HE STARTED CALLING AND ME AND THIS TIME HE STARTED HARRESING ME MORE IF I DONT MAKE THE PAYMENT HE WILL SENT RECOVERY AGENTS TO MY MOTHER OFFICE AND TO HOME AND THEY WILL TAKE CARE OF IT ..

credit card no .[protected]


Are you pepole reading my mails or not i have been repeating for
> colletion of payment but no body turned up and i have received one
> letter from your department stating if outstanding is not paid my
> amount will be debited automatically,
>
> i have been repeating for collection of payment due to i am unable to
> pay off my outstanding online if no body is going to turn off how
> would i submit my payment, if my amount is debited from my another
> bank a/c i going to sue your company because it is your fault if i am
> asking for colletion peole to collect my payment but no bodu is
> bothered to collect my payment and instead you are sending me letters
> .
>
> Stop sending me letters, send some collection guy to collect my
> payment otherwise i will have to take legal action if my amount is
> debited from my bank a/c automatically i am not responsible if some
> body is nt turning up to collect the payment
>
> Aishwarya
>

credit card no. [protected]

Are you pepole reading my mails or not i have been repeating for
> colletion of payment but no body turned up and i have received one
> letter from your department stating if outstanding is not paid my
> amount will be debited automatically,
>
> i have been repeating for collection of payment due to i am unable to
> pay off my outstanding online if no body is going to turn off how
> would i submit my payment, if my amount is debited from my another
> bank a/c i going to sue your company because it is your fault if i am
> asking for colletion peole to collect my payment but no bodu is
> bothered to collect my payment and instead you are sending me letters
> .
>
> Stop sending me letters, send some collection guy to collect my
> payment otherwise i will have to take legal action if my amount is
> debited from my bank a/c automatically i am not responsible if some
> body is nt turning up to collect the payment

HDFC Bank - Credit Card Department — Improper Service & Unfair Treatment

I have been treated in an unfair manner & my personal detail/ my name & my reputation has been thoroughly spoilt by this bank.

Further they are now claiming me balance dues which have been actually cleared through my side long back.

CUSTOMER SERVICE IS NOT READY TO SAY ABOUT THE SETTLEMENT. I DON'T WANT TO GIVE EXTRA AMOUNT AS INTEREST, SERVICE CHARGE, MINIMUM DUE, AND OTHER MISCELLANEOUS CHARGES OF THE REPAYMENT MONTH FOR WHICH SETTLEMENT REQUIRED.

Sir,
I have been using HDFC credit card ([protected]) only for a year though I have four other credit card of different bank. I have never failed to pay the installment before. Last month Oct'09 I have submitted a cheque of Rs. 500/- from my Axis bank account. But due to some circular problem the cheque bounced and it was not intimated through my new mob. no. [protected]. This month Nov'09 when I am ready to pay back the total outstanding I am charged 1500/- extra (~3800/- to 5226/-) as interest, service charge, minimum due, and other miscellaneous charges, which I am unable to pay. Though your customer care is very polite they are not ready to give any information about the settlement and forcing me to give the extra amount.
I want to see what action you are taking in favour of me. My earnest request is to expose your answer as it would be witness by all your valid customer.
* Note: I have already disburse immediate payment of Rs.670/- and want to settele the amount within Rs.2500/- as soon as possible or I am unable to pay further.
Regards
Sudipta Dey
Mob:[protected]

From the day I received credit card, Im struggling to get your each and every services promised at the time of applying for card.

I kindly request you to refer the below mail.

I confirmed for Balance Transfer offer and Travel Bag offer for the first purchase with the customer care executive at the time of applying the card itself.

Even after that, when I received SERVICES Call for my card from your executives, they confirmed me the both above mentioned offers on my card.

I struggled hard for enhancing my credit limit.. Now the same is happening again.

Im using ICICI & SBI credit card. But in both cases, I got what I was promised at the time of applying for card.

Im working in Tata Consultancy Services around 3 years..

But I have not faced this kind of problems with any other banks.

I dont understand why your people are making false commitments.

Im totally depressed with the way Miss Priya has replied now..

Its not my call to make false statements and mails.. Im demanding the ones promised by your customer care executives..

My demands are because my needs are such... That's the reason I applied for cards / loans with HDFC...

Is this the way you treat a customer?? What a irresponsible reply I have received...

Besides, Im possessing two loan relationship with your bank ..

Sir, I would like you to look into this issue and give me a satisfiable reply before the new year..

I need a proper responsible person's number who can resolve my issue in real.

I want this to be my last mail escalation to you.. Im tired of sending mails to you and making calls to your customer care..

Thanks & Regards,

Deepa

91-[protected]

I HAVE A SIMILAR ISSUE WITH HDFC BANK

Dear Sir/Madam

I have a HDFC Credit Card [protected] which I received in September, 2011 when I was out of station (Kolkata) even if I didn’t want to have that. HDFC issued the Credit Card to me & issued to my office address without my consent. Though I rarely used it, I have been paying my dues monthly. (HDFC representative used to visit my office & collect the same in cash). In the month of October, 2011, I received HDFC EGRO POLICY INSURANCE which I denied but they forcibly made that policy in my name and credited the policy amount. I tried to contact their Customer Care to resolve this issue thousand times but every time they assured it would be adjusted in the next statement. I decided to stop using the card since last August 2012 & most surprisingly I received the same HDFC EGRO POLICY INSURANCE Auto Renewal statement. Neither I opted for it (rather I requested them to discontinue this last year, 2011), nor HDFC took permission/consent of mine to re-new it & to credit the policy amount. Now I decided not to pay a single penny in the name of “Minimum Monthly Payment” to HDFC Bank Recovery Agents and rather want “One Time Permanent Settlement”. Now Recovery Agents are reluctant for doing any kind of settlement and more over they are calling me more than 20 times in a day for the payment using filthy language and improper words for collecting the payment, when I stopped picking their calls they started calling on my office number and harassing me for payment, they even disturbed my personal life also by calling my parents and speaking to them in inappropriate words.
Also they are giving excuses and asking me to pay for the current month so the settlement amount will be less. I can anticipate the further hidden objective behind this excuses & reluctant to pay a single penny in the name of “Minimum Monthly Payment”.
Though I hadn’t asked for the HDFC EGRO GENERAL INSURANCE, but they credited 14, 616/- INR from my credit card for the same against my wish.
However, I am ready to pay the total amount credited for my personal use but not ready to pay the credit amount for that HDFC EGRO POLICY INSURANCE and its fictitious Auto-Renewal Policy & also for any false statement not attributable to me. In this regard, I would like to request to kindly issue a One Time Settlement Letter against which I will pay the exact amount (including Interest Rate) that I used personally.
I don’t want to use HDFC Credit Card thereafter & must be over with any kind of “Due Payment Ordeal” in future. I hope my letter will do a bit to solve my problem for which mutual co-operation is expected from your much esteemed organization.
Otherwise, I will be compelled to take Legal & Necessary Judicial Action for the permanent settlement of this matter.

Regards,
Aritra Bhowmick
Kolkata, 16th October, 2012.

Seema Gupta
[protected]@gmail.com

it all started before 6 month, when i received a letter from the HDFC bank stating that bank directly taken my balance from my saving bank account against credit card dues and still therewas dues of Rs.5581.and after that they are regularly making telephone calls any time of the day which was very very disappointing to me as i belongs a high profile job and knows the value of out standing but i had not been made any transaction from last 18 month through credit card and i was seeking for sending my statment on my address to knowing the dues and if it is than deposit rhe same and i send request to up date my address in prescrobed format of bank but they did not done and blocked my card.
finally i request to send my statment at your local branch, Alwar ( rajstahn ) on dated 6.12.13, than i collect the same and understand the dues, which was shocking to me.

detail are as under

I had been made an transaction on dated 22./03/2012 and same has been cancelled immediately but taxes amount has been debited and same by mistake on non receiving statment i could not deposted on dated 03.05.2012 RS. 2160/-
I never got any statement for the same at my address from last 36 month.


The dues are totally for delay which has made Rs more than 16000/ on dated 3.11.2013 from Rs.2160 /- and i have deposited Rs. 6957/- but still bank is asking to deposit Rs 9500/-


Detail of Dues on 03.05.13 Amount 2160/-

Paid on 12.11.12 Rs 2000/-

Paid on 19.06.13 Rs 4657/-

Paid on 29.11.13 Rs. 300/-


I have paid Rs.6957 against Rs. 2160/-. Therefore must be reveres rest of the amount

Hi,

HDFC Bank had provided me the Diners club credit card and that card is not working any where .So i had given a call to customer care and request for downgradtion of existing credit card from diners to visa or master, They had suggested me to write a letter and send a scan copy on mail and give other copy to nearest branch .I had given the copy in kalwa branch .now it is more then month but as and when i m giving call to customer as they are giving me the false commitment you will receive your new cards on working 7 days, 4 days, 3 daysy and i had spoken with one of there supervisor .Now i have to track supervisor he know the status apart from that nobody knows the status of the cards. Superviosor name Avnish Mishra and he had provided me the cell number of his manager Faisal Shaikh and given the assurance he will resolve my issue. That is more then month and i am not getting proper reply from any body.

and Infact i had given a call 4 to 5 times and they are telling me Mr. faisal Shaikh is in meeting .


so tell me the process of cancellation of diners club credit card


Regards
Mukesh

Hi
my name is Neena Goel. I've Regalia Card ([protected]) I have a complain they took out money in my saving account June 7th 2018 about 2950.00Rs and i didn't used my card why they did you took out this money I'm scared to use my card. Please find out and let me know what happen. Thanks

Neena Goel
[protected]@gmail.com