HDFC Bank Complaints & Reviews

I had opted for HDFC CC in 2005. Post that I had purchased few things through this CC.



Till date I am being billed unnecessarily for do not know what. Every month, since last 7 years my account is being debited & yet the outstanding is still as it is. I have been calling your cc & mailing on your customer service email since many months but till date I have not got any resolution.



The CC issued to me in 2005 was replaced with a new one later. But, till date this card is not active. When called up the Call Centre, they say it is active but whenever I am trying to swap it, it does not work. All the more, the charges are still being debited.



I had asked for the statement for these 7 years but there was never any resolution to this. Finally when somebody from your team called me for my request last month, he informed me that I will be charged for the same at Rs. 125/- & hence, I had agreed as in any case you guys are debiting me unnecessarily each month. Now, today I get a mailer from your customer service id that I will be debited for Rs. 10500/- as Rs. 125/- is for one statement. For me even if it is one statement charges I need the statement (one only) for the full period.



Today I come to know from Mr. Ravi (Your CSE) that the auto debit facility is activated for only the minimum amount & not the total amount. I do not know why. When you guys are in any case going to charge me with some silly finance charges, then better debit me for the total amount & close it.



As per my knowledge, I have paid more than 1.2 lacs against some purchase of Rs. 20000/- & yet my account is not settled coz of HDFC CC’s non-co-operative approach.



Hence, As in any case, due to no reason, you guys are not sharing any details about whatever till date I have purchased, paid & whatever charges your have debited to my account so pls cancel my account immdly, deactivate all my services & requests including the Auto Debit Facility & close my account.

Don't buy HDFC insurance (LIFE Insurance, Endoment Policy, Young Person Life Insurance Pensions, etc.,) they are fraud company with big name, once you take their insurance... they keep taking money, and staff members keep changing, so you cannot keep track of payment, their payment schedules keep chaning every year... managers keep changing. I lost 1.25 lakhs.

Once you pay the amount, they don't email you back and don't pick up the calls.. they are always acting busy... act like as if they are working prompty.. but, it;s bull all loop..

Reasons: Managers is not their, The application has gone to bombay/mumbai, Medicals again and again, Apporoval department waiting.

So, please don't take insurance with HDFC. If you have extra money. Please help to people in-need or help some good charity, PLEASE DONT TAKE INSURANCE WITH HDFC and waste money and time.

I have all the proof of documents if anybody want's let me know.

I'm in the process of submitting my application to Lawyers.

Thanks
Uma

I've been an HDFC customer for more than 5 years. Have my savings account with the bank and also own a credit card (Platinum). I have had a fairly good relationship with HDFC owning to which I also went onto take other miscellenous services from them like personal loan etc.

I used to normally call up call center to check the payment due on me (billed as well as unbilled) and settle the full n final in one go.
However, my interaction with call center one day (where I was provided a completely false information about my balance) wrecked havoc in my life. When I asked her that am travelling abroad and if I owe any money to the bank (i wanted to settle all my payment - billed & unbilled in one go as always). She informed me that I owe no money to the bank, thereby leading me to spend money on shopping and hotel.

I was shocked beyond believe when I returned to India and found a heavy bill waiting for me (the bill included my expences incurred abroad - which is fine, but it also included a previous balance of 24000/-. Despite my numorous calls to the call center nobody logged my complaint. Finally call center started doing follow-ups with me and assured me of resolution.

The bank however very smartly stopped all kinds of follow ups with me and kept sitting on my issue. Months after months they would let the interest build up on my account. I got worred and called up the call center yet again asking for a resolution. FInally I had no choice but to inform them that am not going to take things lying down and would not pay you a single penny.

Now this case has gone to the collections team (which is the process bank starts to follow after a point) and they are harrassing me day in and day out but bothering my family.

MY ONLY APPEAL TO HDFC BANK IS, WHY CAN SOMEONE NOT COME AND MEET ME TO DISCUSS THE MATTER.

To,
the manager,
HDFC standard life ins. co. ltd.
2nd flour narayan krushina,
44 city center gwalior M.P.
pin- 474007

Respected sir,
It is brought to your kind notice that my policy no.12239224 was started from 22.10.08 & the undersigned has deposited regular 3 yearly, instalment i.e. payment of Rs. 15000/- each year total Rs.45000/-
It is also brought to your kind notice that the agent of your concern has printout that yearly payment of policy 12239224 could be submitted for regular 3 year after regular 3 year payment may policy was discontinued and the payment of Rs.22352/- has been done your concern in the name of my wife Smt. Shushma Kushwah as a nominee without my consent and without any application for saranding of policy in the name of my wife.
Now therefore it is to intimate me why the payment has been done without my consent & without any application for my policy.
Now I request to you to take action to the mater & proper payment could be done to me within a 15 days from the respected of this letter otherwise it will be liable to compliant to this mater "Consumer From" this may please be noted.

THANKING YOU

Your's Faithfully
B.S.Kushwah
Policy Holder - Policy no.12239224

Dear sir,

I am a HDFC bank a/c holder for nearly 3 years and I have a couple of loans already taken from them (vehicle and personal). And, all my transactions are clear and no bounces nor any faults have been done. I applied for a personal loan again for my marriage which is commenced on July2nd. I applied the personal loan on May but due to my HR's unavailability I provided the payslip soft copy little late and they put my loan request on pending. I pressed them and they relogged it on june they again have done all the formalities but still they're not giving me an answer either thru message or call. We trust this bank and relying on them for our needs, but if they're deserting us like this on crucial times, where'll we go? I am really ashamed to say that I hold a a/c here who is not at all helping to my problems. I am not asking loan for doing any unwanted expenses! All am askin is for my marriage.. I don't know what is going to happen,, today it is june 29th friday, tomorrow is satday, day after sunday. On Monday I don't think my marriage will go properly... All I can do is suicide ...

Never ever trust HDFC or their personal loan service. They have the worst services. They offer false promises like personal loan in 3 days and so. You wait for 2 weeks and still they say it is pending. All this happened to me while my salary account is in HDFC and i work in a very reputed MNC. My account number is [protected] in kakkanad branch, kochi. My cust id is 34881199. Now i am going to close my salary account in HDFC and ask my friends to do so also. Any other bank is far better than these cheaters.

Renjith
Mob: [protected]

mene hdfclife se ek policy 5.01.2012 ko li thi jo abhi tak nahi mili he or jo hdfc life ka agent he vo bhi meri policy ke baar me kuchh nahi bata raha he mene hdfclife ko onlien complaint kari jiska c.no.HDFCSL=734-867 or usi din compny ka email aaya hamne policy bhej di he 16.04.2012 ko jo kisi yadav ne receive kari he
me do month se bank ke chakkar kat raha hu lenik koi jabab nahi mil raha he

The staff at HDFC nungambakkam branch are really rude with customers.I had gone to the bank to pay my US visa fee.I was made to wait nearly half an hour before being told that I should go to another counter.The US Embassy should think about online fee payment method or tie up with a different bank.

Dear Sir
PLEASE READ THE MAIL IN HINDI

Mere pass HDFC KA CREDIT CARD ([protected])THA JISKA STALMENT 21236/- ME HUA THA JISE ME DE RHA THA JISKI MERE PASS PURI RASID HAI LEKIN WITHOUT ANY INFORMATIONS HDFC BANK NE MERA HDFC ACCOUNT CLOSED KAR 7000/-RS LE LIYE AUR DO MAHINE BAD PHIR SE HDFC BANK NE MERE UPER 41000/- RS KI RECOVER DAL KAR MUJSE UTNA AMT LE LIYA ISKI BHI RASID MERE PASS HAI

ALL DACUMENTS & SLIP IS AVAIBLE

ACCOUT NO [protected]
DETAILS

Amt Date
4300 cash 30.12.2008
1850 cash 22.05.2009
1650 cash 12.08.2009
1850 cash 22.10.2009
1650 cash 14.04.2009
4300 chaque 07.03.2009
7500 atn block 16.10.2009
23100 Total Amt


PLEASE HELP ME ON THIS MATTER


Mukesh Mishra
F 1 PLOT NO 225
SWAPNIL APARNMENT
TRILANGA
BHOPAL
[protected]

FRAUD CALL BY PLACEMENT AGENCY.
ADDRESS OF THAT CONSULTANCY COMPANY IS HBL GOBAL NO 2ND FLOOR ABDULA BUILDING THIRUMURTHY NAGAR 1ST STREET
AND FULL ADDRESS OF THE BANK IS HDFC BUZZWORKS 104 NUNGABAKKAM HIGH ROAD 208, 2ND FLOOR KAVERI COMPLEX CHENNAI
PIN-600034 OPPOSITE KFC RESTAURANT
HUGE LOSS OF MONEY
ATTEMPT TO MURDER

I SUMITH KUMAR SAH CREDIT CARD HOLDER NO: [protected]. GETING FREQUENT CALL FROM THESE NO: [protected] [protected] CALLS HIMSELF AS RAJU, I AM NOT ABLE TO CONCENTRATE IN ANY OF MY WORK, EVERY 2 MINS HE IS GIVING ME CALL. I AM READY FOR THE SETTLEMENT FROM PAST 1 YEAR. BUT THAT GUY IS TORTURING ME MENTALLY, I HAD NOT RECEIVED MY CREDIT CARD STATEMENT LAST 1 YEAR, FOR WHICH THE CREDIT CARD DEPARTMENT HAVE CHARGED ME LATE PAYMENT FEES, WHICH IS AROUND 15000/- LAST 6 MONTHS MY CREDIT CARD NUMBER WAS CHANGED, FOR THE SAME I WAS NOT INFORMED THE NEW CREDIT CARD NUMBER. I HAD LOST MY CREDIT CARD ON FEB FOR WHICH I HAVE NOT RECEIVED NEW CREDIT CARD. OFF ALL THESE ADDING THE EXECUTIVE OF YOURS GIVING ME FREQUENT CALLS. PLZ GUYS BE AWARE BEFORE TAKING HDFC CREDIT CARD. REF NO: [protected]

This is the complaint on HDFC Bank regarding Personal Loan.

One my colleague has taken personal loan from HDFC Bank. Without my consult he has given my mobile number as reference. The bank has not checked/verified me regarding my reference.

Here the problem is, the colleague left the company and not paying EMI's. The loan recovery staff are calling me and disturbing me very frequently.

I told them the loan customer srinivas Koduri was given my contact details without my knowledge.
Though they are asking and calling me only.

Dear Sir/Madam,

My name is sivakumar, My Account No.: [protected] , IT PARK, BANGALORE . My balance got deducted arround Rs300 from Savings account. This is not an first time,it is happening frequently. Without my intimation my bal got deducting. Please help me on this issue.

Regards,
Sivakumar

MY A/C NO IS [protected] IN HDFC BANK, DEFENCE COLONY WHERE I HAVE FIXED DEPOSIT ALSO. I HAD REQUESTED FOR TDS CERTIFICATE WITH THE BANK IN PROPER FORM BUT AFTER FOLLOWING A NO OF TIMES, ICOULD GET THE INFORMATION BUT NOT IN DESIRED FORMAT. AS PER RULES, I SHOULD GET THE CERTIFICATE WITH OUT ASKING BUT EVEN ON DEMAND , NOT GETTING IT. IF THIS IS THE SITUATION WITH PREFFERED CUSTOMER , THEN YOU CAN IMAGINE PLIGHT OF ORDINARY CUSTOMER.
HKGUPTA
[protected]@hotmail.com

OUT STANDING AMOUNT NEED TO CONVERT IN PL

Dear Sir/Madam,

Pls go through the bellow detail
Name-Sandeep Pal Singh
Card-[protected]
Total out standing-97824.65




I m not able to pay minimum due amount due to my bad financial condition i am paying minimum due since 3-4 years but my out standing is not decreasing.



Sir this is my humble request to you that pls convert my all out standing in a personal loan

with emi for 24-36 Month so that i can pay the out standing in easy installments.


i have all ready requested to customer care many times but they are saying offer not available if you can not provide me some emi option,I unable to pay your outstanding amount. If you do not provide me any kind of solution i have only way left that i can stop sending minimum dues amount and ask for settlement which is not good for me as well. Nobody wants to be a defaulter but in current scenario i have only two options to pay emi for converted in loan or be a defaulter by doing settlement with the bank instead of paying minimum dues of my card as my financial condition is not good.

I am very old customer of HDFC bank and hope you will definitely provide me some way out so that i can easily pay my outstanding to being a good customer of the bank.

Pls reply me soon


Thanks and regards
feel free to contact me

Sandeep Pal Singh
[protected]
Thanks and regards

Relieving letter and settle ment
I omprakash panigrahi worked as contract sales executive employee code CO-00696 .
My last working day with HDFC BANK was24 january 2012 at devendra nagar raipur Branch (0152).
I not yet receive F & Fand also I Still not received my RELIEVING LETTER as on 24 june 2012.
Please provide me the same as soon as possible.

Thanking you
omprakash panigrahi
[protected]
[email][protected]@rediffmail.com[/email]

Address
omprakash panigrahi
28 sai kuteer sai nagar jora
raipur
District -raipur (c.g.)
Pin 492006

I would like to file fraud case against HDFC BANK Ltd, Sector 14, Gurgaon.

I opened S/B with HDFC Bank in May, 2008 and when their executive approached me for opening S/B account, he did not give me any information regarding DEMAT account linked to it. They are deducting Rs 850 annually as annual maintenance charges whereas I am never aware of that I have such account. I only got to know in Jun, 2012 when I say my mini statement where it was mentioned that Rs 850 has been deducted as depository charges. It's typical fraud case where executive did not educate customer with all the details.

I submitted a Suggestion/Feedback e-mail through your website w.r.t. AMB and AQB charges that were levied against my account without my intimation, on 18/06/2012.



The e-mail that I received today (below) does not at all pertain to the e-mail I sent. It has absolutely no reference to what I had written on the 18th of June. I did not ask for a confirmation of account closure, as stated in he e-mail below. Moreover, no one by the name of Swapna Kakatkar contacted me on the 18th of June. I received a call today from HDFC asking me about my complaint. I do not know what's going on. I feel that I am being made to run around. I request you to refer to my original email/query again.



In brief, I would like to tell you what happened. A total amount of Rs. 4,138.52 was deducted from my account in June 2012 towards AMB and AQB charges. When I approached the branch i.e. Mindspace, Malad; I was informed by Ankeeta Rathi (Branch Operations Manager) that the account was converted to a Savings account as there was no Salary credited into the account for some time; and hence the charges as the minimum balance to be maintained monthly is Rs. 10,000. I wasn't informed of this conversion.



When I objected, Ankeeta told me that a letter was sent by HDFC to my residential address in 2009, informing me that the account was converted. I have not received any letter w.r.t. this. Moreover, when I told her that I would close the account if this is not sorted, she blatantly told me that I could go ahead and close the account. She also told me that it was not necessary for the bank to send me the letter as it is written in the Terms & Conditions booklet which I received at the time of opening the account, that after 3 months of salary not being credited into the account, the account automatically gets converted to a Savings account.



I asked for an Account Closure form and submitted the request for closure as I was very unhappy with the experience that HDFC provided me. I have been a customer of the bank since 2005 and have kept this account because I liked the services offered by HDFC, although the account was non-operational.



I received a letter dated 19/06/2012 with a Demand Draft of Rs.107.33 confirming that my account is closed. What has upset me is that there was no attempt made to retain me as a customer of HDFC. Is this how HDFC values and treats their customers?



I would really like to highlight the customer service and leadership skills of Ankeeta Rathi. Being a Branch Operations Manager, she was not at all service-oriented. Her tone was curt, rude and unhelpful. She did not demonstrate Ownership or Willingness to help at all. Her body language also showed disinterest. She was not at all empathetic towards me or my situation and this really made me feel that she did not care. Is this the kind of example that the leaders of HDFC set for their employees and reportees? Is this how Ankeeta grooms the staff in the Mindspace, Malad branch? Is it OK for employees of HDFC to blame things on policy and procedure (Terms & Conditions) and shove things under the carpet?



It has been very annoying and inconvenient for me as I had made provisions of the money in my account towards my EMIs and other committments. Now, I do not know what to do and this has caused grievances to my financial planning and budget.



I request you to please look into this matter and reverse the charges levied through a Demand Draft or by some other means (since the account is closed). I have also submitted a complaint through your PhoneBanking officer. The complaint number is MUMC[protected].



Moreover, I have also submitted a complaint with the Banking Ombudsman and hope that this issue will be resolved.



Looking forward to a favorable response from you as I am very upset with this experience

I have applied for a HDFC Credit Card, i've received my Application refernce number, and also
received verification calls at my office desk, verification got completed sucesfully, now the status of the credit card at the HDFC site is being shown as 'Disapproved' with remarks as ' PLEASE RESPOND TO LETTER SENT TO YOU FOR FURTHER PROCESSING OF HDFC BANK CREDITCARD QUOTING THE APPLICATION REFERENCE NUMBER'.

I called up the customer care and they've told me that there's some problem with the residence address and landmark, but then, if my residence address is the problem then to which address did HDFC guys sent the letter to which i have to respond, i haven't received any letter from HDFC to residence address nor to my office address. I din't receive any email as well.

The guy who was to perform Residence address verification came on a weekday and obviosuly the door was locked, but then, i should have atleast received a call from them saying such a thing happened and to set a convinient time/date to complete the address verification.
How can they just disapprove without proper notification.

I am very much disappointed with the way they carried out the whole thing.

Kidnly, let me know, what is the next step that should be taken to get this thing moving.

Hi All
Please be aware of HDFC Bank Loan fraud.
I had applied for Rs 100000/- personal loan from an Agent of HDFC Bank Hyderabad whose name was Venkat([protected]). He generally does his marketing through sms. Please avoid this person
He told me that it would be processed within 3 days but it took 2-3 weeks to get processed and that too after following up with them almost every day.
This guy convinced me to take the loan by saying that the interest rate would be 14.25% p.a. and when the loan process started he said it would be 15% p.a. and 1% processing fee and asked me to get on with the loan confirming that he would pay me the differential amount.This guy is a sheer cheater. Once the loan amount got disbursed he will not listen to the problems.Not only I had asked him not to include any insurance component to the loan and he confirmed me that it will not be included. But finally for Rs 100000/- the bank disbursed me Rs97714/- and when I asked explanation for the rest amount no one was giving a proper explanation.Apart from 1% processing fee I don't see any charges that should be debited from the account.

The authority concerned should look into this matter as this fraud bank with its fraud agents are try to cheat needy people and taking advantage of their innocence.These people should be dragged to court and made to pay huge fines then only they will thing 100 times before cheating people.