HDFC Bank Complaints & Reviews

To
National manager debt management
Hdfc bank cards divison,
No. 8. Bridge road.
Thiruvanmiyur,
Chennai 600041

Hi my name is arunkumar. And my credit card number is [protected]. I got a over due payment of 3450 for the total dues of 35630, iam paying regularly since from the day one, every time people from the backend team from space mnagement services, on the month of novemeber a girl named as shwetha from : space management services, she called at night 8pm and said to make the payment on the next day for 1710 rs, i requested that i need two daye time as my mother she has been hospitalised due to stoke, i need just two days of time so that i can make some arrangements for the payment. And im the only source for my family, all of a sudden she said that get away your mother from hospital and make the payment by tomorrow, she started to use absuive language and said that give your home phone number so that she can talk to my family memebrs so that she will send rowdys to get the payment of 1710, i pleadede that to givem me just two day of time at last my friend came forwarded and he gave me that money knowin my problem,
Again this month the same girl called on january 6th 2009 her name is shwetha from the same space management services, she called with the help of his team leader named as ajay from the same space management services, and they started to use profanity, and they said that to make the payment by tomorrow orelse they will make my life miscerrable, i said ok come and collect the money on the very next day, they said that they are gonna send an collection agent named as saravanan and his phone number is, i was waiting for that guy for the whole day, but no body called me nor came to my room, i called the customer support to 66003333, the customer support agent said that they will take care of this and henceforth this will not happen, i was waiting with that money for the rest of 10 days, even i called to that same collection ofice to the same number=[protected]=, they said they will give me call regarding this. But as usual no responce, again last night the same team leader called named as ajay from space management services, at night 8.45 pm, first he said to make the payment on the very next morning, as he is going to send the collection agent. Orelse if i failed to make the payment he will send rowdys to get payement. To my house that he statred to use vulgar absuive languages, and he gave my mobile number to all of his local rowdy friends to threaten and staterd to black mail that he will send rowdys and gundas to my house, for the whole night his rowdys friends were calling and using absuive language and threatening, so please help from these rowdys and the team leader (Rowdy, gunda) im so scared that what wil happen, but im shure that im going to file a case to consumer court and to police and to human rights violation,
Please help from rowdy team leader and gundas

Dear indians,

I warn all of you not open an account with hdfc bank. Or for that matter don't have any kind of dealings with hdfc bank. Do not take any loan from the bank, or get credit card from the bank. Please do not do this or you have to repent. They are continoulsy calling me for credit card paymnets as all my dues are clear. The bank did not gave me any no objection certificate, despite the bank officer had given in wriiten that you have given the full payment for your credit card payment. The staff or managers shout at you and harass you for giving more money when i have already all the amount due in my account. Not only this they seized my account which had rupees 17000 and i no more can use that account. Not that i or anyone in my family would now deal with hdfc bank ever.
I request all of yout to beware that this bank can go to any extent to cheat you and grab money from you. I am sure after the satyam case in india, hdfc bank would be the worst fraud case in the banking industry in india.

Dear Sir, I hold acc.No [protected] in HDFC Bank, 174 A, Block G, New Alipore, Kolkata 700 053
I'm a German with a valid residential Permit in India.At the time of the incident it was under consideration and now it is granted .
On 6.05.2008 HDFC Bank asked in a letter dated 2.05.2008 for details required in view of RBI Guidelines for KYC & AML, Passport, visa, Residence permit, acc .with other banks, IT return of the last 2 years, Pan cad, within two days othervise they are constraint to block the operation of the account.On 6.05 .2008 they the account saying that I did not response to their letter dated 2.05.2008.on 8.08.2008 I handed over the documents and th acc. was reopened.The Branch Manager was very rude to me when I said that I 'a preferred customer and I did nothing wrong and his action is illegal.He abused me like I'm a criminal. On 14.01 .2009 asked again for my residential permit.I told him that it is neither rejected not approved so there is nothing wrong.Then I consulted my lawyer and gave a legal notice to the Bank that I get harrassed and abused by Rahul Bhandari.Then he he abused me so that I had a total break down in the branch.I'm 60 years of age.
My husband, Soumitra Ranjan Mukherjee, left me for another woman and has 2 illegimate children with her.He being a Managing Director, in charge 100 employee acc ., and big customer forces the bank to harrass me.The branch manager leaked out the acc.details of all my finances from my tax file.My husband is using them against me in court because he wants to avoid maintenance payments.I file a breach of trust and illlegally blocking of account case against the bank.What else can I do?????
The HDFC Grievance center was not helpful at all because my husband is a powerful man.Ref:HBL=[protected]
Thank you Sabine Mukherjee

To Whomsoever it concerns(Dificult to pinpoint as the whole lot of you are evasive).

I have no other option than to go in for a settlement to ensure the normalcy of my life as its not a question of principle or ethics but purely survival.

I will make the settlement under protest, I have spoken to the Credit card division this morning. They know fully well what has happened, my brother Eugene who took the card spoke to Neetu as well and has admitted full responsibility.He is accompanying me to the Credit card office and will give in a statement that he is the card holder.

I cannot wait on your leisure to sort this out for the one reason that my bills are piling up and my kids are in a bad state. I have already sold what I could and mortaged mmy jewellry to ensure that this month tides over.

If I turn into an irresponsibel citizen instead of the model one, HDFC and the system is to be blamed for undue harrasment despite overwhelming support from my end to enable you to rectify a mistake you made.

You will despite my settlement, blacklist me I will not be able to go in for a home loan besides other set backs like my commitments to American Express, etc; I have lost faith in your ability to distinguish right from wrong.
I am a senior manager with a post grad from IIMB who deals with Fraud and the Police investigation unit. In all my years of experience I have never accused a customer blatantly of Fraud as a matter of fact working in such conditions has never hardened me to the fact that there is a distinction between the genuine and the pretentious.

I am utterly disappointed, I dont want to have anything more to do with your sense of right and wrong I just want this to get over like a bad dream.

I am basically paying for a HDFC credit card sales advisors mistake and its costing me 45, 000 besides the harrassment and the destruction of my reputation.
I give in because your system is so messed up there is no point of breaking my head against a wall.

If there is one intellegent person with the right ethics in your organisation I have not come across him or her.

You are a disappointment to the trust people put in you, that I put in you for the last 5.5 years and I would reiterate criminals are not born they are made by acts such as yours.

I have written to the Ombudsman they have not replied, I have spoken to your bank in person they have shied away from the responsibility. Your credit card division doesnt even appreciate that I have brought their defaulter to their doorstep they are so greedy that they just dont want to let go and admit a mistake, its really cheap.

I dont want to carry this on because I have lost faith in the entire system anything that happens to me in the future is your responsibility you have put me in a situation where I cant provide for my family or reassure them of their saftey.

In this system there is no point of being educated or straight, you need to be uneducated crooked and hitched up to people who have power to bend your so called protective arms.

Its disgraceful the way you have behaved.

Kind regards
Oliver Ireland

Dear sir,

I have opened an account with HDFC BANK(branch) HARI SING HIGH STREET Srinagar, kashmir, J&K on 26th dec 2008 account no [protected].My A/C was to be activated within 5 days of the date of openiing the account.But till date my account has not been activated its been almost a month since i have opened an account.After enquering about my activation problems to bank they have not come up with a satisfactory explaination about this and are acting in a very unprofessional manner.I have even told them to give my money back an amount Rs5200 which i had deposited at the time of a/c opening but again they keep on giving the excuse taht it will be done shortly.I am fed up of there unprofessional attitude.Due to this i have also anchored losses but am not getting the firm response for the same from the bank.

Kindly look into this matter by taking some sevear action against the bank or else i have to take some other action against them.This is a cheating case and needs to be delt with prime importance

Regards
Mayur wali

It is humbly submitted that subject cited Master card has been issued to me on 10/08 which is valid upto 11/11 and keeping in view the advantages and offers of this card I made my first transaction on 11.12.2008 by making Jetlite India Lines booking amounting to Rs. 25, 840/- expecting to get cashback on air lines transaction, further to keep good record and to develop relation with HDFC bank I deposited the above amount on 18.12.08 and made more payments through credit card just to verify the advantages. But, now, I stunned to see the bill as I have been deprived off the cashback on the fact that I have deposited this amount before due date.
Sir, is this the reward of depositing the credit - card payment before due time? As such either the cashback payment may be released to me or my this card may immediately be surrendered as I am no more interested to keep this type of card any more.
Thanking You.
Yours faithfully,
Sd/-
(Jitender Kumar)

good evening,

My name is Nilanjan Das and I'm an employee of IBM Daksh Gurgaon, Haryana. I hold my salary account with HDFC Bank who, allowed me a credit card, last year. Incidentally, I misplaced the card and immediately the card account was blocked. However, since March 2008 I've been issued bank statement(s) for the repayment of the card amount and since then, I've been making the payment(s), till date.

In one occassion I failed to pay the entire amount by the mentioned date and since then the problem started. Some Ms Pooja (for HDFC) started calling me and warned me of dire consequences if I donot make the payment by the end of the month. And now it seems a practice for HDFC to call my number and the worst part is they are calling my family out there in Kolkata (west bengal) and my office.

This month due to financial challenge I've made a partial payment and have informed HDFC (this time it is some Ms Shruti) about my incapibility of paying anymore, THIS MONTH. But the phone calls continue and owing to that I forwarded a mail to the bank informing about the unsolicitated calls made to my office & my family.

I asked them when I'm available on my mobile number and when your collection executive visits my place (regularly) to collect the monthly instalments then, why call my family or my office? When I've been re-paying the bank all these months and when I've already completed partial payment this month, can I not be allowed some extra days and thereby allow to pay next month? When the card was provided to me with a profit-motive for both the parties then why use o[censored]nparliamentary (and profaine) language for a customer?

And the following experience is rather shocking. I was called today morning and was asked the same thing of clearing the payment by the month-end. And this time I was verbally blown off as to why did I write such a mail to the bank?

I'm surprised- -surprised by the idea that as a customer I wrote a mail to my service provider about my dissatisfaction(s) for which I've to show reason to one of their collection executives? I wonder irrespective of attending calls and the collections executive from the bank then why such harrassment and use o[censored]nprofessional languages over the phone? Why such social harrassement? And in such a messy situation with this quality of service offered why should I think about HDFC (or refer its name to others) next time?

Rgds,
Nilanjan,

From the past 2 days, I have been following up with HDFC bank, Indira Ngar branch (MICR[protected] for change of my address for customer ID 6373933. Surprisingly senior people in the bank viz. Mr. Deshpande, Mr. Kazi have not been accepting MSEB bill as address proof because it is in the Name of my son Nilesh Ramesh Bhagchandani & not my name Ramesh D. Bhagchandani.

My question here to these authorities is that an MSEB bill cannot be in the name of all the family members, it can be in the name of only one individual. The addresss given is a new house bought in by my son, Ration card, Voter ID card, etc. will be on old address. When the father & son relation is clearly proved on the document itself, there seems to be no problem accepting it. Heights of harrassment ...isnt it.

My policy no is 11612186. The due date of my premium is 09/02/2009 (9th feb) . I made the payment of this year in advance (on 15th jan 2009). now, i wanted to see the acknowledgement. i called up they customer services division at mumbai. they assured me they will send it in a email the receipt of this year payment in 3 working days. later on monday, i got in touch with them again to take stock of the situation, but as they don't maintain any history of request, i had to give them all details regarding my request. i requested them to send me the premium receipt of this year in FAX. they obliged and assured me i'll be getting it by EOD of 19th jan. i called up repeatitively on 8-9 time on monday, but all the time i'had to give the details of the issue afresh. one assured me he send me FAX by evening...other assured he will send me through email by next day morning...no help as yet... i fed up of all these. i again caled up on tuesday... same repeatitive things... i am an employed person at one S/W firm ...I HARDLY FIND TIME TO EVEN BREATHE. but these ppl soemtimes advised me to visit office to get receipt...why i'm paying them ...if for a small small thing i have to waste 4-5 hrs. Simply let nobody come in contract with these fellows.

Dear sir,
I am ABHISHEK BHARDWAJ. I was working as cse with hdfc bank in delhi I.P extn. branch. my employee code is CA 18361. Some personal reason i was break my service. I got my termination latter but last two months i am not received any full and final status of my salary. I am very tensed against my salary.

My all formalities are totally completed by Mr. CHETAN SHARMA (S.M) against my final dues.

Regards
Abhishek Bhardwaj
Emp Code : CA-18361
Contact no : [protected]

The bank play with (* Conditions Apply). To rep pay the loan after 6 months they said 6 % preclosure charges. I feel its very high and some control over this conditions by goverment would help everyone.

Hi!!

This is to bring to your notice the unfair trade practices played by major Insurance Company.
I had taken an Insurance policy with details as below:

Policy No.: 10707528
Life Assured: Swarnpreet Singh
Plan Description: Unit Linked Pension
Payment Type: Direct Debit
Frequency: Monthly
Premium Amount: 5000/- (Five Thousand Only)

Since the starting, the HDFC had problem taking payment and I had to run every time for making my premium payments. Everything was going fine till December'2007. In the month of Jan' 2008, the premium amount was not debited from my Bank Account and the reason given to me was insufficient funds whereas there were enough funds to make the debit.
Anyhow, I received a call on the 21st Jan' 08 on the same from Mr.Pankaj Kapoor # [protected], [protected] stating that since the payment was not cleared through the direct debit, could it be possible for me to make a cheque payment? I happily accepted the same and on the 25th Jan' 08 an executive named Mr. Aamir Khan # [protected], Employee ID # [protected], visited my premises for the payment of the lapse premium.

On his visit, he was not carrying a receipt book and on contrary he asked for two cheques for Rs.5000/-. When asked, he said that since the payment for Jan' 08 was not cleared, the payment for Feb' 08 would not be debited since it as a closed Direct DEBIT account and I would again need to sign the Direct Debit Form for revival of the Direct Debit Facility. On this, I gave him two cheques with details as below:
a.Cheque No.: 055622 dated 25.01.2008 amounting 5000/- for SBI Bank, Sushant Lok, Gurgaon
b.Cheque No.: 055623 dated 20.02.2008 amounting 5000/- for SBI Bank, Sushant Lok, Gurgaon.

Now, since he was not carrying a receipt book, I made him sign on the photocopy of the cheques as a receiving. I also showed him the bank statement for the month of Jan' 08 and made him look into the
availability of funds and asked him the reason why the debit was not cleared. On this he replied, that sometimes the Direct Debit facility has a malfunctioning and is not cleared.
After this I went on an official project for 2 months to Dheradun.

On my return, there were two letters from the HDFC Insurance with details as below:
Letter Dated: 25th Jan' 08
Details: The letter clearly stated that instead of initiating a debit of 5000/- they initiated a debit of 10, 000/, which was not the amount they were supposed to DEBIT and thus the same was not cleared due to insufficient funds. And further they wanted me to make the payment.

Letter Dated: 19th Feb'08
Details: It was a revival quotation, stating revival charges of 250/- for revival for the lapsed policy plus my premium being unpaid for the month of Jan & Feb'08.

On receiving the above letters, I contacted the customer care and asked for the cheques, which were given as per the details above. The customer care replied that they have not received any cheques till date and they did not have any entry for the same. This annoyed me and I requested them for the closure of my policy on which they replied that the same could not be done before three years and also when I asked about the amount I would receive after three years, they replied that since it is a lapsed
policy they would make appropriate deductions and then return the money.

After all this, I made a written compalint to them as per the above and the reply recived to the same is below:

((On 6/12/08, Response Insurance <[protected]@hdfcinsurance.com> wrote:

Dear Mr. Singh,

Thank you for choosing HDFC Standard Life Insurance Co. Ltd. as your life insurer.

We deeply apologize for the delay in responding to your email.

With regard to your email, we would like to inform you that as per the confirmation from the concerned department we have sent the direct debit request for Rs.5000 only and we have received a failure due to insufficient funds. Hence we request you to kindly contact your bank for further information.

With regard to your email, we would like to inform you that as per the confirmation from the concerned department we have sent the direct debit request for Rs.5000 only and we have received a failure due to insufficient funds. Hence we request you to kindly contact your bank for further information.

With regard to the cheques we regret to inform you that we have not received the said cheques. We request you to kindly check your bank account whether they have been cleared and if cleared to which account.

The unit linked pension policy cannot be surrendered before three years. This as per the product feature which is mentioned in the policy document that has been sent to you. Since the policy is in lapsed state, all the units are deallocated and the fund value less surrender charges are held with us and will not be paid back. If the policy is not revived within 2 years from the date of lapse or 3 years from the date of inception whichever is later the amount held with us will be refunded.

We hope the above clarifies your concern.

Please feel free to write to us for further clarifications.

We assure you the best of our services always.

Warm Regards,

Ravi Sharma
Customer Service Officer.))


Further my reply to the above is below:

{{Dear Mr.Sharma,

Sorry for the delay in responding to your mail as I was not in town & was inaccessible to mails.

Your statement stating that INR 5000/- was only debited is entirely wrong as I have already checked with my Bankers and I have also received a letter from your organization stating that INR 10, 000 was debited and I have adequate proof, proving the same.

Thus, there is no point discussing the same and exchanging mails.

As far as cheques are concerned, no whereabouts about the same is known till date and I have already given a stop payment letter to my Bank.

Further, I have spoken to my attorney and if no response is received within 15 days of this email, I would have to file a legal suit against your organization and I would not be responsible for further actions.

Thus, taking this as my last email on the subject matter, reconsider giving my money back.

Awaiting your early revert on the same.

Regards,
S.P Singh
#91-[protected]}}

After the above mail I have not recived a single reply from them even after several reminder.

Now, my questions are:
a.Why did they debit 10, 000/- when they were supposed to debit 5000/- only?
b.Why the same was not informed to me even if they did?
c.Where are my cheques gone? They have clue on the same!! I really have to get my bank statement again and check maybe the said person has cleared it in his account!!
d.Where do I stand at fault in the above transactions, which were not cleared? Why should I face so much of mental trauma because of their faults?
e.Above all, if I want to close the policy, why should I wait for three years for my money?
f.Even after three years, they would not return my full money!! Why should I not get my entire money back?
g.Why should I face loss for which I am not at fault?

Please look into this and help me get out of this mental agony.

Regards,
S.P Singh
#[protected]

I have a HDFC Gold Credit Card which I was making regular payments within due date for the last 2-3 years, dus to financial problems I could not pay for the last 3 months and received calls from HDFC collection agency. They had collected overdue and charges amount for 2 months and stated they would
negotiate with HDFC and asked me what my settlement amount would be, I mentioned Rs. 30, 000 in three instalments. Now I get a call from them stating that that amount is not acceptable and they themselves raised the amount to a higher amount which I am not able to pay up. They disturbed me many times during my working hours and even at night 10 p.m. How do I solve this problem? Can I file a case against the bank. Anyone please advise!!

Dear Sir/Madam,
I am holding an HDFC credit card.Every month I pay a minimum payment.In this month I was suppose to pay the payment on 16th Jan, but due to fund problem I requested to Viren Saxena (collection officer O[protected]) that I will make the payment after 22nd Jan.He was not ready to understand my problem.He started abusing me and said he will send goondas at my place to recover the money.Even he called at my residence and started abusing my parents, brother and wife.Every five five minutes he was calling at my residence.Even he was giving blank calls after 7.00 pm.My mothers BP is high due to this and she is afraid.So I wrote a online complaint to HDFC bank regarding this matter.Next day morning one of the officer(O[protected]) called me up and said that if I don’t pay the payment than the collection officer as the right to abuse me and my family members.The officer even said that the collection officer as the right to call me several time (more than 50 times ) in a day.Same day that same officer again called me and even he called at my residence and abused my family members.So please publish an article about this matter in your news paper.

Regards

Hitesh Surti

Hello Arpita,

Below is the bolded and underlined mail i got from you for last issue. And just one sorry for the inconvenience.
Again another sorry for present issue i am again facing with EXPRESS IT COURIER is that right.

I had applied for cheque book request before 10th. On 10th i got the message and mail (As below) saying that is had been dispached.

It is 17th and still not received. Does it take so much time to deliver.

EXPRESS IT COURIER does have my mobile # and can't they call me up. Why sud they say "consinee not at home".
Even if i am not there at home, someone is sure that home. Will not belive "consinee not at home".

Last time i went and collected, however this time i will not do that.

I don't want sorry, i need action. And I want to know what action was taken with proof.
Even if there is E-mail communication to EXPRESS IT, i want to be part of that.


Best Regards

Hari.

----- Forwarded Message ----
From: HDFC Bank Support <[protected]@hdfcbank.com>
To: hari haran <[protected]@yahoo.com>
Sent: Monday, January 5, 2009 3:10:31 PM
Subject: RE:'HBL=[protected]' Poor Service by the Service provider for HDFC.




Dear Mr. Hari Haran,

Seasons Greetings from HDFC BANK.

Thank you for writing to us.

This is with reference to your e mail dated 05/01/2009 regarding Chequebook.

We are extremely sorry for the inconvenience caused to you.

Feel free to contact the nearest branch or call up our phone banking unit.


Warm Regards,
Arpita Bhattacharjee
Customer Support
HDFC Bank Ltd.

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[protected][protected][protected][protected]
From: HDFC BANK <[protected]@hdfcbank.com>
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Sent: Sunday, January 11, 2009 1:24:47 PM
Subject: Account Chequebook - Despatched

Dear Customer,

This is to inform you that your personalized chequebook for Account No. [protected] has been despatched to your mailing address provided to the Bank.

The despatch details are as follows:

Courier Name/Post: EXPRESS IT COURIER

Despatch Date: 10/01/2009

Airway Bill No./Reference No.: HBS[protected]

Website address of the Courier: www.expressitnet.com

For any clarifications:
Email us - [protected]@hdfcbank.com
Call us - To get our PhoneBanking number in your city click here
Call us at PhoneBanking - To get the number of your city/state click here

We are committed to providing you with the world-class service that you deserve. Thank you for choosing to bank with us.

Warm regards,

HDFC Bank Ltd.

Dear Sir,

My name is Mitesh Sampat and I have investment in HDFC Mutual Fund-Cash Management Scheme - Liquid Plus- Growth in the name of my wife Kajal Mitesh Sampat.

I am the second unit holder in the investment.

I had given a redemption request to HDFC Mutual Fund on 2nd Jan 2009, but till date the proceeds of the redemption has not been credited to my wife's ICICI Bank Account.

Folio number for the investment is 5097614/81 and Interactive id for the complaint is I478537.

Moreover, HDFC Mutual fund is not ready to give me interest for the delay, nor are they willing to give me money as per latest NAV.
They have told me that they will give me NAV as of 2nd Jan 2009, inspite of so much delay!

I have talked to their customer care executives several times, but that is of no use, as I have still not received my redemption amount.

Sir, I need this funds urgently and after no help form HDFC Mutual fund I am knocking your doors.

I am writing this mail to you on the faith that you will help me get justice for the same.

Awaiting your reply,
Thanking you,
Yours truly,
Mitesh Sampat

Dear Sir,
The detail of communication with between HDFC bank is given below.
They are trying to make me fool using wait 2 days more wait 3 days more.
Check the conversations. They deduct wrongly Rs. 1000/- from my account and not return it to me
and asking again and again wait for some time. If they cannot wait for card payments even 1 day how could i. They use to charge 3% interest i also want my 1000 rs + 3% interest because of delay in return my amount.

Please find the detail and do the need ful. I will be higly oblige.



Dear Customer,

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 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.

IMPORTANT:

Hotlisting of card: Loss of ATM, Debit card or any other Card issued by our Bank must be immediately reported to our Phone-Banking unit to have the card hotlisted (cancelled). The Phone-banking facility (Hotlisting Desk) is available round the clock. Unknown Beneficiary Addition/ Transfer of fund: In case you have received a message stating that a transaction has been done using your NetBanking login or a beneficiary has been added into your NetBanking account, please immediately call up our PhoneBanking Numbers and get necessary action taken. Please remember that such a timely action from your side will defeat the designs of the fraudsters.

Please click on the attached url for details of nearest Phone-Banking centre: http://www.hdfcbank.com/personal/access/popup_pbnumbers.htm

Assuring you of our best of services.

Warm Regards, HDFC Bank Ltd.

To register for FREE Email Statements, please visit the nearest HDFC Bank branch or register through NetBanking by clicking on the Email Statement Registration option."



-----Original Message-----
From: [protected]@yahoo.co.in [[protected]@yahoo.co.in]
Sent: Wednesday, Dec 17 2008 5:46PM
To: [protected]@hdfcbank.com [[protected]@hdfcbank.com]
Subject: Debit card

Name : MR. MANINDER SINGH
Customer ID: 8828499
Account No : [protected]
Dear Sir/Madam,
I have salary saving account in your bank. sir i was shocked to see debited Rs. 1000/- on 12-May-2008. in my account. Bank has debited to me Rs.1000/- as Debit card usage charges of 22-May-2008. Sir i just want to say that i have not used this amount on 22.05.08 which i was used you already debited in my account on same day. You are requested to please credit Rs 1000/- in my account. Do the need full as early as possible

Thank You & Regards
Maninder Singh

Dear Mr. Singh,

Thank you for writng to us.

With reference to your e-mail dated 17/12/2008 regarding the charges levied to your account.

Your query regarding the charges levied to your account is being attended to. We will revert to you within 3 working days.

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


Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.

Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.

What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm

Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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 organization 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Mr. Singh,

We thank for your patience and co-operation.

Please note that you had done a Transaction on 22/05/2008 for Rs. 1000.00, which was reversed on 02/06/2008 by the System due unclaimed by the Acquirer Bank.

On 12/12/2008, Acquirer Bank had claimed the money therefore we have Debit the account.

We request you to refer to the Dispute process as follows:



Kindly fill in the attached Card holder Dispute form and fax it across to us on[protected] to the kind attention of Chargeback Unit mentioning the reference number in the subject line of this e-mail, so that we can initiate a chargeback. Please write back to us confirming the date when you have faxed the same, to enable us to confirm its receipt.



Kindly visit the following URL to access information on our Branches as well as our PhoneBanking numbers:

http://www.hdfcbank.com/personal/customer_center/customer_center.htm


We trust you will appreciate that this is to protect our customers' interests.

We thank for your patience and co-operation.


Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.

Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.

What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm

Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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 organization 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Sir,

This is to inform you that i have send Card Holder Dispute form through fax on 19-dec-2008 on 11.04 am. to the bank.
Kindly note that bank has charged me this amount on 22-May-2008 and reversed it on 02-June-2008 because on that time i was registered complaint against bank i have received cash from ATM on[protected]. there were some problem shows on screen. That is why bank is reimbursed me Rs. 1000/-
Now i dont know why they claim this time. You please understand my problem and help me to claim the same.

Thank You & Regards
Maninder Singh
A/c [protected]




[protected][protected][protected][protected]
From: HDFC Bank Support <[protected]@hdfcbank.com>
To: MANINDER SINGH <[protected]@yahoo.co.in>
Sent: Thursday, 18 December, 2008 8:58:17 AM
Subject: RE:'HBL=[protected]' Debit card


Dear Mr. Singh,

We thank for your patience and co-operation.

Please note that you had done a Transaction on 22/05/2008 for Rs. 1000.00, which was reversed on 02/06/2008 by the System due unclaimed by the Acquirer Bank.

On 12/12/2008, Acquirer Bank had claimed the money therefore we have Debit the account.

We request you to refer to the Dispute process as follows:



Kindly fill in the attached Card holder Dispute form and fax it across to us on[protected] to the kind attention of Chargeback Unit mentioning the reference number in the subject line of this e-mail, so that we can initiate a chargeback. Please write back to us confirming the date when you have faxed the same, to enable us to confirm its receipt.



Kindly visit the following URL to access information on our Branches as well as our PhoneBanking numbers:

http://www.hdfcbank.com/personal/customer_center/customer_center.htm


We trust you will appreciate that this is to protect our customers' interests.

We thank for your patience and co-operation.


Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.

Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.

What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm

Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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 organization 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.


[protected][protected][protected][protected]
Be the first one to try the new Messenger 9 Beta! Click here.
Dear Mr. Singh,

We have noted your query and will revert to you within 5 working days.

The Reference Number for the above query is R50790327, which may be quoted in all future correspondence with us.

Also, you can get the status update by speaking to our Phonebankers quoting the above Reference Number.

For our phone banking numbers, kindly visit http://www.hdfcbank.com/common/customer_center.htm

We appreciate your Patience and Understanding in this regard.


Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.

Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.

What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm

Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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 organization 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W),
Dear Mr. Singh,

We regret we are unable to meet our earlier committed time lines for resolution and would require some more time. We assure you that your query is being attended to on priority and we will revert to you within next 3 working days.

It is our endeavor to provide timely responses, however, at times such aberrations occur, where we are unable to respond within committed time lines.

Your continued patience is solicited in the matter.


Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.

Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.

What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm

Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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 organization 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Sir,

Please let me know how long time i have to wait for small query. Why should i suffer from this. Where is my fault. Mistake done by HDFC Bank than why customer suffer and why you are not giving me credit for the same.

It is very clear that on[protected] i used debit card in ATM machine at West Patel Nagar due to non payment i put the complain in bank and bank return me my money in June after verify the slip and payments detail from collective bank. When collection department did not claim for the same than bank return me credit which is wrongly debited me on[protected].

Now u again debited me same thing and ref you are giving[protected]
What is this sir. I am tired of tabbing you people again and again.

Kindly do it on ASAP

Maninder Singh
A/c No. [protected]


----- Forwarded Message ----
From: HDFC Bank Support <[protected]@hdfcbank.com>
To: MANINDER SINGH <[protected]@yahoo.co.in>
Sent: Monday, 29 December, 2008 11:56:03 PM
Subject: RE:'HBL=[protected]' Debit card


Dear Mr. Singh,

We regret we are unable to meet our earlier committed time lines for resolution and would require some more time. We assure you that your query is being attended to on priority and we will revert to you within next 3 working days.

It is our endeavor to provide timely responses, however, at times such aberrations occur, where we are unable to respond within committed time lines.

Your continued patience is solicited in the matter.


Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.

Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.

What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm

Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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 organization 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.

Dear Mr. Singh,

At the very outset, please accept our sincere apologies for the delay in resolving your query / issue and the inconvenience caused to you.

We would need some more time to resolve the query / issue raised by you and request you to bear with us. We will revert to you in two working days.

We urge you to treat this delay as an exception and assure you that we are committed to quality customer service.

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


Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.


What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm

Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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 organization 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Mr. Singh,

Regret for any inconvenience caused to you and apologies for the delay in resolving your query / issue.

We assure you that your query is being attended to on priority.

We might require some more additional time to resolve the query / issue raised by you and request you to bear with us and will revert to you within next 4 working days.

We assure you that we are committed to quality customer service.

I had taken a ULIP policy from HDFC Standard Life Insurance. I was misguided by the agent. He showed me wrong illustration and did not tell me about the very high allocation rates. After paying 1500 for some months, I decided to surrender my policy. I submitted an application to their Maninagar (Ahmedabad) branch. Even returned the policy document. They did assure me that that there would not be any deductions from my account any more. I again visited the office after two days to re-confirm it. He re-assured me. But HDFC took out 1500 from my account on 16/01/2009. This amounts to fraud.

Dear Team,

My PF A/c # is MH/46135/11710 & My EMPloyee ID was R1677,
Request you to kindly provide me the PF A/c Status,

while Searching in claim Status The Message was: "Code does not Exist"

Thanks & Regards,

Rajiv Jain
[protected]

I recently approached HDFC for repayment of my existing loan by transferring the balance to another bank. As I am a floating rate customer, I should not be charged pre-payment charges. However, HDFC still has charged me pre-payment charges on the pretext that prepayment charges is not applicable only if you repay out of your own funds.

SBI has recently lost a case in the supreme court for charging prepayment penalty on balance transfer. But, our financial institutions simply refuse to learn from mistakes.

Please suggest/help.