HDFC Bank Complaints & Reviews

I am following for track record of loan on credit card from last 25 days.I am not getting.Kindly help me.

TO,
THE CEO,
HDFC BANK
SIR/MADAM,
There have been many complaints regarding the misbehaviour of the staff of HDFC bank here and today we also witnessed it, the staff here are reckless and rude and inefficient, especially Clerk Mr Rajkamal Savaliya. He is bad to women and they are harrassed by him. Kindly take action or else we will bring out a special negative feature in our National Paper
It is a deplorable matter that on one hand the bank claims that it is of international reputation and it behaves in such a way,

Your's Faithfully,
Malavika Chakrabarty, Resident Editor,
UT Mirror

hi,

I Prithi Lobo lost my pancard while travelling & hence would like a duplicate card to be issued at the earliest possible time. The PAN Card details are as follows:

PAN Card No: ADIPL2058E

So kindly issue a duplicate card. The Address to which the card is to be delivered is:

No.660, New No.41,
5th cross, muddappa lane,
Kodihalli Village, HAL II Stage,
Bangalore- 560008
Contact No: [protected]


Thanks & Regards,
Prithi Lobo.

I hold an HDFC account through which I withdrew Rs 20000 on 7th on recieving money I was surprised to find fully torn note of Rs 500 further joined by cellotape, on quering the gaurd I was told that he do not have any contact no of any official, then an employee named Mohit entered the branch both saying visit branch to get the currency changed in working hours, if I have to visit branch then why ATM machines are there and moreover I got Ms Priya Nodel officer of the bank nos. I tried to contact at 8.45 AM but she didnt recieved the call, I logded complaint on HDFC customer care they said we will revert in next 2 hours but till date no revert is recieved. If a bank can put torn currency in ATM machine how can this be ensure that HDFC Bank is not into practise of putting Fake cureency which due to negligence or any other reason is recieved in the bank. this is all about atm outside hdfc sector 8c chandigarh branch ATM.
Regards
Ashok...
[protected]

I have applied for HDFC Credit Card near about Dt:15.05.08, all the documents were correct and collected by HDFC agent, sorry to forgot the name of agent.

My complaint is that i have not received my Credit card till date

My address is
THAKUR SINGH S/ O SH. SURJIT SINGH
H.no. 1765
V&P.O. Burail
Near Dev Samaj college, Sec-45, Chandigarh

My Mobile No. is [protected]
Landline no. is[protected]

Kindly do the needfull at the earliest


REGARDS

THAKUR SINGH

Respected Sir/ Madam

I deposited a HDFC cheque on 23rd of last month(Friday), for my HDFC credit card at the HDFC bank branch in Chennai. My cheque was send for clearing at 12 noon on the same day, I knew the clearing time, since I was physically present and I saw the staff had handed over all the cheques(including mine) to their internal staff who collects and delivers the cheques to the corncerned department.Being the same bank cheque, it should have cleared on Sunday morning or Monday morning, unfortunately it didnt happen.When enquired to the call centre, I was informed even local cheques takes 4-5 working days. But, the call centre executives are unable to answer as to why.
What's the point in depositing the same bank cheque?
My 2nd issue, as usual not receiving statements regularly.
I also requested for a redemption form on the 29th of last month, till date no redemption forms send to me. I again requested on the 13th of this month, and I informed the staff its my 2nd request as I didnt recieve 1. The staff said the redemption form was delivered on the 31st through courier, but staf[censored]nable to say as where its been delivered, who has collected it, which courier company, or the airway bill number.

HDFC started off very well with credit card service, but as years pass by their services are going down.

Please do consider this complaint. Hoping for a better service in future. Thanks.

dear sir,

i want to inform you that HDFC BANK 'S CREDIT CARD NO. [protected] IS ISSUED with the name of sanjeev kumar having the correspondence address :- C/O vijay kumar village mannan p.o naugajja near park, Jalandhar ph.[protected]
but permanent address is given is mine i.e 48, new model town jalandhar. i dont have any card of hdfc bank

this person and your bank had entered wrong permanent address of mine. please give me clarification of the permanent address.

kindly inspect the matter and inform us as soon as possible.


regards:
sanjeev aggarwal

Sir/Ma'am,

I had made a NEFT funds transfer from HDFC A/c to Indian Overseas Bank A/c on the 6th of June, 2008. The details are below:

HDFC IFSC Code: HDFC0000240
INDIAN OVERSEAS BANK IFSC Code: IOBA0000677 (beneficiary)
Transaction Reference: HD[protected]
Amount: Rs. 40, 000

I have checked with IOB but havent received the credit of funds yet. Please address this issue.

Thanks,
Ashwin Vishwanathan
+91 [protected]

Dear Sir,

I have applied for personnel loan to 5th feb 09, but till date the status is not clear.
I request to tell the exact current status of my loan.

My HDFC salary account is [protected]
Contact No. [protected]

I hope ur sweet reply will receive as early as possible

Regards,
Narayan Hadgal

sir
i still not recieve my provident fund for 7 month and my employee code is CV09078

sir, this is to bring in ur notice that ur bank has taken twice installments from my account and front office customer care madam miss vinita is misbehaving with me and ur sales manager mr.nitin not trying to resolve it and returning the cheque .a period of one monty has been passed .pl resolve my problem
thanks

Hi,

I am Dhanesh C K.

I had a HDFC credit card.
No: [protected]

I have made an expenditure of Rs 7500/- through my credit card. I have made the payment to HDFC with interest of Rs 11850/-. I was told by Mr Kishore, collection executive that the account will be settled & I will receive a NOC shortly.
And in 2008, my HDFC Salary account having an amount of Rs 23400 is blocked by the bank. When checked, i was shocked to know that the credit card account is not settled & I need to again pay Rs 15562 which includes all additional charges. I was told by Ms Neethu Sharma, Deputy Manager Recovery department, Airport Road Branch Bangalore that the complete amount of 23400 from my salaray account will be debited towards the same. Have spoken to several HDFC officials, but was told that the amount upto Rs 1 lakh can be debited.

I have spent 2 days in HDFC Airport Road office. But none has provided me the bank statement. I was atlast forced to provide a letter for debiting the whole amount or the later amount crediting to my account will again taken by the HDFC Bank.

My complaint is againt
1. Mr Kishore, who has falsely promissed me the settlement after the payment of 10000 on 05-Jan-07
2. Ms Neethu has framed me unded defaulter & every time I meet her she abuses with the slangs. And how can the total amount of Rs 23400 or more can be debited against the 15562. Or hold the amount without the savings card holders knowledge. Also by not providing the bank statement.

I have already paid Rs 11850/- against 7500/- o[censored]tilisation. I would request the honorable officials to pls consider my complaint & help me in not suffering with this debit from my account.

Payments made via receipt numbers

1708718 dated 19-Mar-06 for amount 850/-
1708719 dated 19-Mar-06 for amount 1000/-
3417019 dated 05-Jan-07 for amount 10000/- based on which i was told that the amount will be settled & will receive NOC.

Expecting your immediate reply.

Thanking you,
yours sincierely
Dhanesh C K

hi, i have lost my customer ID & passward for netbanking how should i get it back

Please help me

Dear Sir,

Please find the mentioned below mails sent to me by your bank. It is very disheartening to say that Bank is playing a foul game with me.

The mail sent to me (against my complaints) On
Fri, Mar 28, 2008 at 9:04 PM
Wed, Apr 2, 2008 at 1:08 PM
Thu, Apr 17, 2008 at 10:45 AM
Mon, Apr 21, 2008 at 3:38 PM
Thu, May 1, 2008 at 2:01 AM
Fri, May 9, 2008 at 1:04 PM
Sat, May 10, 2008 at 12:09 PM
Mon, May 12, 2008 at 2:25 PM
Tue, May 20, 2008 at 7:05 PM
Mon, May 26, 2008 at 12:28 PM


The bank has written to me that

(On 28th March) - The bank is looking into the matter (

(On 2nd April) - You will get the RC within 15days (before 17th of April).

(On 17th April) - We regret for the delay in receipt of RC book to you as per our earlier
commitment.

(On 21st April) Rc transfer documents already submitted in RTO expected anytime now.

(On 1st May) - We would like to inform you that the process of R.C transfer has been completed. You are requested to contact Mr. Mukesh of M.S. Motors to collect the R.C Copy.

(On 9th May) - We confirm that the R. C. Book has been already forwarded to your dealer. You are requested to contact Mr.Mukesh of M.S. Motors to collect the R.C Copy.

(On 10 th May) - At the very outset, we are sorry that your experience regarding the R.C.Copy has been less than pleasant. We apologize once again and re-assure you that every effort from our side is being made to have your query resolved at the earliest.

(On 12 th May) - that R.C has been transferred and you can collect the same from Mr.Mukesh (Mobile no [protected]) owner of M.S Motors.

(On 19 th May) - regarding RC Book, we will reply to you in 3 working days. We request your co-operation in the interim

(On 26 th May) - We confirm that the RC Book has been transferred in your name, however
the same is pending with RTO for signature. The RC book will be delivered to you with in next 10 days

It seems through all your replies that Bank was not telling me the truth and was giving all the wrong information to me.
Now 5 months has gone by and I have not been given the papers to me.
1. I am not been able to drive the car with peace of mind.
2. I am suffering from mental torture and not been able to sell the car in case of financial crunch.
3. Meanwhile I stopped the EMI after giving proper information to bank through my mails (See my mails on different dates sent to bank) as I was not getting the RC. Even Bank did not bother to write to me on this.
4. And now, the goons of the bank are giving calls to pay the EMI with Interest and all that. They are threatening to me and my family.
5. I told one of them the whole story, but they continued the threatening.
6. Tell me why this is being done to Me.?
7. And why should I continue paying the EMI?
8. Who is responsible for all this and what bank is going to do against them?
9. Why should I not initiate legal action against the bank? (Bank has not responded to this also as I had mentioned this too in my mail).

Regards
Arjun Deshpremi
Director- ADS Media Pvt. Ltd
Ex Head- internet Coordination- Outlook Group
News Editor- Dainik Jagran (The No.1 Daily newspaper in India)


RE:'HBL=[protected]' Complaint/Feedback for - Used car Loan NET.CS.Hpg
16 messages
________________________________________
loansupport <[protected]@hdfcbank.com> Fri, Mar 28, 2008 at 9:04 PM
To: "[protected]@gmail.com" <[protected]@gmail.com>
Dear Mr. Deshpremi,

We thank you for your e-mail dated March 27, 2008 regarding Car Loan.

Your query is being attended to. We will revert to you within 4 working days.

Looking forward to your co-operation and patience in the interim.

Warm regards,
Pramod Patwa
Customer Support,
HDFC Bank Ltd.


________________________________________
loansupport <[protected]@hdfcbank.com> Wed, Apr 2, 2008 at 1:08 PM
To: "[protected]@gmail.com" <[protected]@gmail.com>

Dear Mr. Deshpremi,

Further to our e-mail dated March 28, 2008 regarding RC book.

We understand the our official Ms. Smriti Kaushik has contacted to you and confirmed the you will receive the RC book in next 15 days.


Warm Regards,
Pramod Patwa
Customer Support
HDFC Bank Ltd.
[protected][protected][protected][protected]---


________________________________________
Arjun Deshpremi <[protected]@gmail.com> Wed, Apr 2, 2008 at 1:45 PM
To: loansupport <[protected]@hdfcbank.com>
Dear Mr. pramod
Thanks a lot for this. I am waitin for this
Regards
Arjun
[Quoted text hidden]

________________________________________
Arjun Deshpremi <[protected]@gmail.com> Wed, Apr 16, 2008 at 3:32 PM
To: loansupport <[protected]@hdfcbank.com>
Dear Sir,
Please refer to your reply below. 'HBL=[protected]' Complaint/Feedback for - Used car Loan NET.CS.Hpg
As per Your reply I was supposed to get the RC book by Today. But I am sorry to say that I have not recieved the RC book yet. As per your assurances I allowed the EMI to be withdrwan from my account But Now I am ging to stop the future EMIs.
I would also bring to your notice that
1. I am suffering from mental torture due to non having the RC book even after 3-1/2 month.
2. I do not know what will hapen if something goes wrong with the CAR.
3. I had made it clear in my first mail that some conivence is there with the bank with the seller through Bank DSA. But i have been assured through calls from Bank and your below mail that I will get the RC. but I still feel some 420 is there in this case and there is defenite conivence between Bank and Seller. And that is the reason why I was given so many assurances which has never been fulfilled.
5. I am going through a mental trauma with Financial loses. If I would had been provided the RC which was promissed to be handed over to me within 15 days, I would had been sold the car to meet my loses on time. But it is not happening and I am making financial loses till date.
6. Again I suspect that bank through its DSA will not provide me the genuine/origional RC book.
I had taken loans from your bank and always returned the loans through EMIS without any fault or complain. As on date too, I am paying the EMI for a personal loan without any fault or complain. But this time in case of this CAR loan my faith is eroded.I hope you will understand my problem and do the right thing to retain the faith of people like me in your bank.
Regards
Arjun Deshpremi



On Wed, Apr 2, 2008 at 1:08 PM, loansupport <[protected]@hdfcbank.com> wrote:
[Quoted text hidden]


________________________________________
loansupport <[protected]@hdfcbank.com> Thu, Apr 17, 2008 at 10:45 AM
To: Arjun Deshpremi <[protected]@gmail.com>
Dear Mr. Deshpremi,

We regret for the delay in receipt of RC book to you as per our earlier commitment.

Your query is being attended to. We will revert to you within 4 working days.

Looking forward to your co-operation and patience in the interim.



Warm Regards,
Pramod Patwa
Customer Support
HDFC Bank Ltd.
[protected][protected][protected][protected]---


________________________________________
loansupport <[protected]@hdfcbank.com> Mon, Apr 21, 2008 at 3:38 PM
To: Arjun Deshpremi <[protected]@gmail.com>

Dear Mr. Deshpremi,

Thank you for your patience.

Our officer tried to contact you on mobile and office landline no[protected] but not getting through. Delay in RC transfer is due to HR 26 No (Gurgaon Authority). Rc transfer documents already submitted in RTO expected anytime now.

You are requested to contact Ms.Smriti Kaushik as she is handling your case
her contact number is [protected]

In case of any further clarifications please write to us.

Warm regards,
Dayanand Chavan
Customer Support
HDFC Bank Ltd.
[protected][protected][protected][protected]---


________________________________________
Arjun Deshpremi <[protected]@gmail.com> Tue, Apr 29, 2008 at 11:04 PM
To: loansupport <[protected]@hdfcbank.com>
Dear Sir,
It seems you people are making us fool. It seems from your replirs time and again. And that with a person who is
1. head - Internet - Outlook group of magazine.
2. Who was News Editor to India's No. 1 Newspaper Dainik Jagran.
3. Who was Deputy News Editor At Hindustan Times.com
4. Who did the top level Reporting for almost 12 years and covered the banking sector too including your bank and had regular interaction with HDFC bank Chief at that time.
5. To a person who is very senior journalist.
And Now, Please note
1. I have passed the instruction to my bank to stop payments against this car loan.
2. I am going to sue the bank for the false promises made to me through all your mails.
3. And try to cheat through cnivence with DSA and Seller of the car who is a close associate of your DSA.
4. And for all this only your bank is responsible and have to pay the damages against my mental torture and financial loses apart from paying legal expenditure in future.
Regards
Arjun
[Quoted text hidden]

________________________________________
loansupport <[protected]@hdfcbank.com> Thu, May 1, 2008 at 2:01 AM
To: Arjun Deshpremi <[protected]@gmail.com>

Dear Mr. Arjun,
We would like to inform you that the process of R.C transfer has been completed. You are requested to contact Mr. Mukesh of M.S. Motors to collect the R.C Copy.

Thank you for writing to us.


In case of any further assistance please write to us.

Warm regards,
Dayanand Chavan
Customer Support
HDFC Bank Ltd.
[protected][protected][protected][protected]---


________________________________________
Arjun Deshpremi <[protected]@gmail.com> Thu, May 8, 2008 at 1:38 PM
To: loansupport <[protected]@hdfcbank.com>
Dear Mr. Chavan
I had a talk to Mr. Mukesh. He again had promissed to handover the RC to me within two days. But till date I have not recieved the same. And That is why I have stopped the payment as I had written to you earlier.
Regards
Arjun


[Quoted text hidden]

________________________________________
loansupport <[protected]@hdfcbank.com> Fri, May 9, 2008 at 1:04 PM
To: Arjun Deshpremi <[protected]@gmail.com>
Dear Mr. Deshpremi,

Thank you for writing to us.

We confirm that the R. C. Book has been already forwarded to your dealer.

You are requested to contact Mr.Mukesh of M.S. Motors to collect the R.C Copy.


Warm Regards,
Ashish Bhatia
Customer Support
HDFC Bank Ltd.



________________________________________
Arjun Deshpremi <[protected]@gmail.com> Fri, May 9, 2008 at 1:34 PM
To: loansupport <[protected]@hdfcbank.com>
Dear Mr. Ashish
How many times I should contact. 100 or 1000s. You people are misleading me for the last two months naow and I am going through the mental torture for the last 4 and half months as I do not have the papers. Even I wrote HDFC as many as 8 times ands you people told me that I will get it within 15 days. And Now its again more than two months. Even I had stopped the EMI and you people are trying to make me fool.
I had again written to you that I am going to file a suit against the bank. But your bank is agnoring my the stoipping of EMI and legal suit. This is final call from my side. Now onward I am going to file a legal case against the bank without giving you further notice or reply to your maiols.
Regards
Arjun Deshpremi


[Quoted text hidden]

________________________________________
loansupport <[protected]@hdfcbank.com> Sat, May 10, 2008 at 12:09 PM
To: Arjun Deshpremi <[protected]@gmail.com>
Dear Mr. Deshpremi,

At the very outset, we are sorry that your experience regarding the R.C.Copy has been less than pleasant.

We apologize once again and re-assure you that every effort from our side is being made to have your query resolved at the earliest.

Warm Regards,
Dayanand Chavan
Customer Support
HDFC Bank Ltd.

"

________________________________________
loansupport <[protected]@hdfcbank.com> Mon, May 12, 2008 at 2:25 PM
To: Arjun Deshpremi <[protected]@gmail.com>

Dear Mr. Deshpremi,

Thank you for your patience.

We would like to inform you that our officer had tried to contact you, however could not be contacted you. We would like to inform you that R.C has been transferred and you can collect the same from Mr.Mukesh (Mobile no [protected]) owner of M.S Motors.

In case of any further assistance please write to us.

Warm Regards,
Dayanand Chavan
Customer Support
HDFC Bank Ltd.



________________________________________
Arjun Deshpremi <[protected]@gmail.com> Mon, May 19, 2008 at 4:04 PM
To: loansupport <[protected]@hdfcbank.com>
Dear Sir,
Now, its endless wait. I was contacted by Ms. Jain whose No. was given to me in your earlier mail. She told me that the RC book was unsigned by the authority and has been returned for getting it signed. So it is still nopt clear when will I get the RC.

Meanwhile I had stopped the EMI and for that I got a call from your bank to pay it. I have refused to do so ready to face the legal battle. As I had informed you earlier too, I am not going to pay the EMI unless I am getting the RC.
Regards
Arjun
[Quoted text hidden]

________________________________________
loansupport <[protected]@hdfcbank.com> Tue, May 20, 2008 at 7:05 PM
To: Arjun Deshpremi <[protected]@gmail.com>
Dear Mr. Deshpremi,

Further to your e-mail regarding RC Book, we will reply to you in 3 working days.

We request your co-operation in the interim


Warm Regards,
Joshin Peter
Customer Support
HDFC Bank Ltd.



________________________________________
loansupport <[protected]@hdfcbank.com> Mon, May 26, 2008 at 12:28 PM
To: Arjun Deshpremi <[protected]@gmail.com>

Dear Mr. Deshpremi,

Thank you for your patience.

We confirm that the RC Book has been transferred in your name, however the same is pending with RTO for signature. The RC book will be delivered to you with in next 10 days.

Incase of any further assistance, please write to us.


Warm Regards,
Joshin Peter
Customer Support
HDFC Bank Ltd.



________________________________________

I am really sorry to point this grievance, but can not help it. I really got frustrated by applying New Car loan from HDFC. Mr.Amol Modi from Pune branch has no knowledge about loans and is mis-guiding the customers by giving false commitment. My case is 10 days old and still the loan disbursement amount is pending. If HDFC cannot satisfy the customer then please please stop playing with them. Never under-estimate the customer powers.

Hon'ble Team Members!!!

I was working with HBL Global PVT. Ltd., sister concern of HDFC Bank Ltd. as a promotional executive, My Employee code was A05361, yesterday I've received a cheque of Rs. 479/- but till today (completion of 3 year) I didn't recieve the cheque of my provident fund, which deducted of every month with my salary of hbl ltd.

I've submitted my whole documentation which is need for disburse the amount of pf in your head office, but till today (after comletion of 3 years) I didn't get it.

Kindly confirm the status of my PF other wise I'll go to the court for case of the company or I'll send the notice to you.

Do it as soon as possible and needful

Thanks & Regards

Atul Kumar Singhal (A05361)
[protected] (mob)

DEAR SIR,

I EPFO SEND A LETTER DATED 30/7/2007 . THEY TOLD THAT YOUR FINAL SETTLEMENT OF P.F A/C NO-MH/23305/14406 THROUGH CHEQUES ARE ALREADY SUBMITTED IN HDFC BANK NEHRU PLACE, NEW DELHI. CHEQUE NO-295448(DATED-30/7/2007, Rs-4833, SBI BANK MALAD WEST)SECOND CHEQUE NO IS-401976(DATED-30/7/2007, Rs-1881, SBI BANK MALAD WEST MUMBAI)IN HDFC SAVING BANK ACCOUNT[protected].I GONE TO BANK FOR COLLECT MY SUCH AMOUNT DATED 12/9/2007 THE HDFC BANK MANAGER MR KRISHNA KUMAR NAIR ([protected])NOT GIVE ANY SUFFICIENT ANSWER. I ASKED FOR MY CHEQUES HE REFER ME TO ANOTHER BRANCH AND ANOTHER IS REFER ME TO ANOTHER.BUT TILL DATE I DO NOT RECEIVED ANY CHEQUE OR ANSWER FROM HDFC BANK.

SIR PLEASE HELP ME IN THIS REGARDS I WILL BE VERY THANKFULL FOR THIS.


RAJESH SRIVASTAVA
286/4, WAC COMPLEX, NEW DELHI-110010
#[protected]

My card number is 4346-xxxx-xxxx-5480
Hdfc bank has upgrade my silver card to gold card last year.I sent a written request as per their instructions but they sent me credit card statement before sending credit card.When I asked for credit card they asked me write to them again as my address saying that my address is not proper.(If my address was not proper how could they deliver the statement? and I already gave my address change and upgrade to gold card request in written thats how they delivery statement to my new address.)

Than I requested to them for ATM PIN many times...to my knowledge I requested starting from last September ever since I got my first and last statement after upgrade...but no response...they asked me to send fax with such request and I sent it than they claim we have not received any such fax ...the same is true for my phone request.Last request I made was 20th may 2008 and they claimed they have issued a PIN via mail and it will arrive within maximum 10 days, which has not arrived yet.Hdfc credit card customer need this PIN not only for cash withdrawal but also to check account status on line on their site so we don't have to call them or write to them again and again.

Than suddenly I lost my card and I immediately reported on phone on 28th may 2008 at 9 am to customer care executive named Dipika...and I requested her to send me an email confirmation regarding card block and that I have no outstanding balance as of blockage date and time...no email received yet.

Than I wrote several emails to customerservices.[protected]@hdfcbank.com and even escalated my complain.
I asked following...
1.what is my account status?..give me outstanding if any or tell me if any debits or credit pending effective as of 28th may 2008 ...on which I blocked the card...no email received yet...
2.I have kept my card on hold for now and I wanted an email confirmation regarding the same...no email received yet.
3.I asked if there is any time limit during which I have to request for reissue of my lost card? no response yet...

Since they are not responding to me in properly manner I am forced to submit this complaint here.

I am having HDFC Credit card. With card Number [protected]. Since Septemenber 2007. I have been roaming around HDFC credit card division, Ranigunj branch for final Settlement. Here I need to tell you something. If you go for any Banking Transactions of HDFC to Ranigunj branch, then you will be provided with Printed Token with your account on it. But if you visit for any credit card queries or final settlement You will be given a very tiny piece of white paper and writing your credit card number on it. Again I will come to my story….That time my total amount due was around 12000/-( twelve thousand Rupees Only). Then first time I waited for nearly 4 hours for final settlement. That was my first bitter experience with it. Then it continued for 7 visits every Saturday(continuously). Even nobody cared to help us by saying where is the water can to have some water to drink and moreover. Every person including an officeboy will become managers whenever necessary and they will directly tell customers that I am the manager or I am the supervisor here.
And nobody will update anything in the customer relation management screen if you visit for final settlement. This was all my experience.
After that as usual I will get calls to pay the amount. Again I will repeat the same story and they will say oh, you have visited for final settlement madam. Ok..then we will get back to you. That back will never come. And again one more new person will call next month for payment again the same story repeats. This was also my experience.

This whole story was told through email to Mr.Ramachander Rao, Deputy Manager, HDFC Credit Cards division. Finally he agreed for final settlement amount of Rs 10000/-(Rupees ten thousand only). But he wanted me to pay the amount immediately in cash and said that we will handover the letter. But I replied him saying that I can give you amount through cheque which will be cleared in three days as it is matter of Trust. This last email I sent on 5th May. But till now I did not get any reply from him and the final conclusion is…
Now my Salary account has been blocked for no mistake of mine(HDFC Account)

Is there anybody from HDFC credit cards divisions to help me in this regard.



Email ID: [protected]@rediffmail.com

I am not making any payment. I have wasted a lot of time & money arguing with you. you don't seem to understand English & the meaning of customer care.

Your communication is misleading which leads to additional charges which could have been avoided.

There is no outstanding as I consider it as compensation against harassment, telephone calls & writing emails to the customer care people.

Had you communication skills been effective & crystal clear no such misunderstanding would have arouse. when I have cleared your dues of more than Rs18000 before the due date. Do you think I would be arguing with you for a small amount.

I have been cheated. you can take me to court & I will justify my case before the Judge & other HDFC credit card holders

If you don't stop harassing me I will be putting your case in front of the consumer court for first providing me with wrong information and then adding service & finance charges on it.

You guys do not have any work it seems & you should be severely punished. Besides that when it goes to the court the compensation will be in lacs

My dues are all settled with you & I have no relationship with HDFC

Aditya Agrawal