HDFC Bank Complaints & Reviews

Hi

This is Vishal Dabhade. I had applied for HDFC Credit Card as I am having Salary Account with HDFC Bank. However, it got declined stating my name is in CIBEL Defaulters' list. I have not taken any kind of loan or Credit Card before this so, there is no scope of being Defaulter. So, could you please let me know which bank has updated my name in Defaulters' list and how can I get it removed or settled down, as this site is provided by HDFC Banker to check with the other details. My E-mail ID is vishal.[protected]@gmail.com

Cash was cash deposited to my minimum 5K balance Savings HDFC Account of Airport Road Branch Bengaluru from other branch which is Hissar in Haryana. A total around Rs. 110 was later deducted from my account. When I enquired the Customer Representative. He told that any Third Party Cash Deposit from different branch a charge of Rs. 110/- and service tax is applicable. I asked if this is same for Aalary account, he responded saying Yes.

Question is why was this not intimated during the account creation.

This is clear cut cheating.

Hi

I happened to see a program in the channel last sunday with same kind of compliant on HDFC promotional offer.

Let me Introduce my , My name is Anish working with an MNC as a business controller. below is the short description of incedents.


It all started when HDFC Bank deducted 3300 INR from my account saying that i have not kept minumum quarterly balance for the account(Account No.: [protected]-HDFC bank Bangalore) which was opened based on the confirmation from the sales executive as a "zereo balance account". I called up the customer care 3 to 4 times to know the status ( ref code- BAN089431) one day one guy called up and said HDFC cannot reinstate the amount as this was opened before one year. Going back to the sequence of incedents from the opening of account.

Sales excutive assurance of Zero balance account.
Based on his assurance I have opened the account with 25k
Receieved the welcome kit , Welcome letter states that I have to maintain a balance of 25k or a fixed deposit of minimum 50k.
Destroyed the Debit card and Cheques
Called the bank and asked them to close the account.
Initiated the process by submitting the closure request @ koramangal branch bangalore
Next day recieved a call from the Empire Infantray road banch asking not to close the account as this was the special offer for me and the acount would be ZERO balance account.
Last month (sep 2010) transferred 55k to this account and 17th HDFC charged RS 3,309 for non maintenence AQB.(below give the transcations)
I appriciate if you coud broadcast in the channel, so that Banks would have a check on their employees for the wrong commitments.

Regards
Anish
Mob [protected]

Hi,
I have HDFC bank salary account along with one more saving and current account of HDFC bank and I am working for Dell Perot systems for past 3+years and I have applied personal loan for 2lacs and given 3 cheques along with requested docs.The cheque which I given is of saving account other than salary account but as I am running out of salary account cheque and due time I requested for the same. And the saving account is also attached for same customer ID, which reflects both the saving account and I am paying one auto loan and personal loan from past 2.5years without single late payment and also I am using HDFC bank credit card from past 3years without single late payment.Maitaining such good track record your bank (I am hesitant to say my bank) is hesitant to give personal loan stating we need salary account cheque and delayed in approving personal loan when need in hour of time and wasted the time. I feel disgusted the way bank staff handled it. Henceforth I won’t recommend anyone to bank with HDFC.
With pain,
Manjunath

Hi This is Ravindra Singh. I have never applied for HDFC Bank's credit card. Recently when I applied for a personal loan in HDFC Bank Pune, Bank rejected my loan application and on asking reason they told me that I am black listed at Cibil. In cibil on my name there is blacklisted entry for HDFC credit card. But I have never applied for any HDFC credit card and never received the same.

Please help me regarding this. Because I am not able to apply for loan because of this issue.

Regards
Ravindra Singh
[protected]
bangari.[protected]@gmail.com

Name- Raju kumar, applied for loan at HDFC Bank Boring Road, through HDFC Agent, to purchase Four wheeler Mahandra Scorpio, from the Sonali Auto Pvt.Ltd.
Appl. Date for loan - 25 Aug.2010.
Loan senctioned - nearly 27Aug.

Document signed & 3 blank check taken by Agent, named- Mr. Sami kumar on this basis that, when the company, Sonali Auto pvt. hand over the vehicle- Mahendra Scarpio to the custmer Mr.Raju Kumar. Than only he (HDFC Agent) relesed the Senctioned loan amount to the Agency (Sonali Auto).

Still Scorpio is not handed over to Mr. Raju Kumar. But cleverlly the Agent relesed the amount in favour of Sonali Auto. Due to that interest started as a laibility with Raju kumar.
Please investigate the case, and take action aginst the HDFC Agent named Mr.Sami Kumar.
Thanking you,
Mr. Raju Kumar.
Bakhtiyarpur, Patna.
Mob. No.- [protected].

I want to transfer my present accounts from HDFC Petlad branch to HDFC Anand branch due to transfer of my job from Petlad to Anand.The details are as under.
FROM:
Kiritsinh R. Vaghela
(S.B.A/C NO.[protected])
Mob.No.[protected]
Dt.31/08/2010
Respected Sir,
HDFC BANK LIMITED,
Station Road Petlad-388450
SUB;-Transfer of existing saving accounts from Petlad to Anand.
Anent to the above subject it is to inform you that I am a classic costumer of hdfc bank & other three accounts are also opened with my accounts as classic costumer group. I am servicing in MGVCL at Petlad but recently I am transferred from Petlad to Anand. Due to my transfer from Petlad to Anand I want to transfer my all four accounts from hdfc bank Petlad to hdfc bank Anand. Please take necessary action in the matter & transfer accounts as early as possible as my account is salary account.
Full Details of Accounts are as Under;-
1) Kiritsinh Raysinh Vaghela Saving account No.[protected]
2) Jashodaben Kiritsinh Vaghela Saving account No.[protected]
3) Monal Kiritsinh Vaghela Saving account No.[protected]
4) Jayraj Kiritsinh Vaghela Saving account No.[protected]

Thanking you.
Your’s Faithfully

( K.R.Vaghela )

Enclosed;-
Transfer order zerox copy

Dated: 03.10.2010

To
Indian Consumer Complaint forum,


Sub: Complaint Against HDFC Bank Credit Card Division

Reference : HDFC CREDIT CARD NO: [protected].

Dear Sir,

I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card , my credit limit was Rs.2,38,000/- and after that Bank has revised and reduced the Credit Limit from Rs.2,38,000/- to Rs.1,77,000/-. I have used my Credit Limit and I have already paid Rs.2,77,371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.

On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.

If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that ,I have made excess payment against my used amount.

Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife , not only that , they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately ,otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.

Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me , Is it a Reputed Bank ???

My Credit Limit was Rs.1,77,000/- and I have paid Rs.2,77,371/-. If my intention was bad then, why I will make the payment for Rs.2,77,371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???

Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.

Thanks with Regards,

Manas Ray Chaudhury
Bhopal.

NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)

[protected]Mr. Sunil, Mr. Dubey [protected])

Hi,

On the 1st of October 2010, I tried to withdraw cash from HDFC bank ATM located at Bandra (East) using my ICICI bank debit card. The ammount was Rs.10000. The money didn't come out of the ATM, but it still showed that the amount is debited.

I have raised a complaint to ICICI Bank and have also got the confirmation number for that.

Is there anything else that I need to do, in order to get this sorted/

Your comments will be appreciated.

Kind regards,
R. Haldankar

Sir

It is to state that i am an acount holder of State Bank Of India(Account No. [protected]). On 01.10.10, at 6.15pm i visited HDFC ATM at mahilpur branch- Distt Hoshiarpur. I have applied for withdrwal of Rs. 2000/- but the request could not processed and message appeared on Screen that Your requested can't be processed at the time. However on second attempt i got my money. But today morning when i checked my account. i found that a total amount of Rs. 4000/- has been deducted from my account mentioning withdrawl of 02 transactions of Rs. 2000/- each on 01.10.10. The same is submitted to you for your kind information and further needful please.

Sir,

I would like to draw your attention to the wrongly filled in details regarding my HDFC premium and its frequencies for my HDFC SAP plan.

I went to HDFC bank branch in sector 53, Gurgaon in September 2009 to make an investment of Rs 2 lacs. Branch officials showed me various investment options. Among these options SAP plan seemed attractive because of its high rates of return and saving assurance.

Mr. Anurag Bajpai from the bank suggested that instead of paying small amounts annually ( Rs 20000 ) if I pay Rs 2 lacs as lumpsum towards that policy ( that I intended to invest) I would get higher returns. I agreed and signed the documents. These document were half filled by him and did not contain premium or frequency details. He said he would complete these details later on mail me photocopies. After a month or so I received the documents. It showed a frequency of Rs 2 lacs per annum for 10 years.

Sir, there has been a big mistake on part of the bank. I contacted Mr. Bajpai many times and all the times he assured me that he would get it rectified. But during last one month I have been getting alerts that my premium is pending. I contacted Mr. Bajpai again. First he refused to recognize me but when I visited him personally in the bank branch he assured me that he would look into it. Later on he got back to me and told that I have to pay the premium amount of Rs 2 lacs.

Even in my dream I could not commit to pay Rs 2 lacs premium on this policy. Please look into this issue ASAP. I have been HDFC customer for past 7 years. All my savings are with your bank only.

Please resolve this issue. I do not need to pay anymore premiums on this policy. Kindly rectify bank records. I’ll be very grateful to you for this kind act of yours.

Hi,

I am using HDFC Forex card since last 3 months. This is a corporate card given by my employer.

Transaction Details:
On 22nd Aug 2010 my hotel reception swiped the card to make a transaction for $850, but transaction failed. so they swiped the card again, this time it was successfull.

When I checked my card statement next day, it showed me 2 debit transaction txn of $850. I immediately contacted my hotel front desk. They said in their system only 1 txn is successful and 2nd one is deleted/cancelled. They provided my printed copy for the same. They told me that, its upto my bank now.

Next day I contacted HDFC Bank on India no.(as they do not has US no.). They provided me a complaint no. and with a assurance that they will look into the matter.

Couple of days later I contacted bank again, this time they told me 'refund will come in 35 days'. This is really frustrating. They also asked me to furnish documents that says txn was cancelled.

I got the documents scanned and send them on email. They again responded me that they cannot refund on behalf of these documents and will refund only after 35 days.

I waited for 35 day's period. Now its more than 40 days. There is no refund yet. I have mailed them yesterday and they have stopped responding to my emails as well.

I would recommed not to use this HDFC Forex card. Even if you have, do not use it. Is there any senior bank person looking at it. If yes, please respond.


Thanks,
-Kapil Pandey.

Respected Sir/Madam

My old Address is #999,Near Purana Killa,Burail.But Now i Shifted to a new house this is 1529,Second floor,Room number 12,Near ashirwad hotel,Burail(CHD).But my old address is in my Credit Card home address,so please change my Credit card Home address to a new address.

Pin code:160047
Credit card number;[protected]
Phone number:[protected]
Mobile number:[protected],[protected]

Dear sir

i have taken a two wheeler loan from you on 19/1/2009 till to now there is no pending in repayment but still to now you are showing six installments in CIBIL why you are showing in my name in CIBIL.please remove my name from CIBIL OTHER WISE WE SHOULD FOLLOW THROGH LEGAL this is the remainder for you.my loan account is 14342983.(two wheeler loan)amount financed is 43,120/-.36 months.already 20 months completed.

Sir,
I am having my salary account [protected] with HDFC Bank Gurgaon DLF city branch but when i went to HDFC Bank Meerut(Western Kutchery Road Branch) to withdraw amount of Rupees one thousand without having cheque book then the concerned person asked me for valid Photo ID Proof and i showed them my Photo ID of Ministry of Communication and information Technology,he denied to take it as valid ID proof and then i went to Mr. Vishwas Gupta(Branch Manager HDFC meerut Western Kutchery road branch) redarding the same issue then he replied that you can not withdraw money from here even if you are carrying valid ID proof.He told me that if gurgaon branch send them mail regarding withdrawl of money then and only then i can withdraw money.But in HDFC bank website it is clearly mentioned that Photo ID issued by Central goverment are Valid ID proof.Secondly if there is a policy or guidline or Norms of HDFC bank that must be considered as solution to my problem then Kindly send it to me.

Thanks & Regards
Kshitiz Kumar

cheque book
sir,
my account no is [protected] my name is Anjana Devipls send me a new cheque book my old book is finished...

Sir,
I am Selvakumar.I have a account with HDFC Bank for the last 3 years.At Present my mailing address was changed.So kindly to update my new mailing address in the System.


A/c No: [protected]

Cust ID : 22556588

Branch: ITC Centre, Mount Road,Chennai.

New Mailing Address:
No:44/2, 4th Cross Baroda Street,
West Mambalam,
Chennai-33.

Contact No : [protected]


Regards,
Selvakumar.V

Respected Sir/mam
My name is Agnel dsouza handling a Two Wheeler loan from HDFC BANK Because of my financial crisis i was not able to make the payment so a collection department called me on my mother cell phone which was register on national DNC they called up and starting harassing my mom regarding the payment i had a word with piyush from kanjurmarg branch and he said that i need to surrender my vehicle if i don’t have power to...

I had requested for a personal loan to HDFC customer care. I also received a call from them stating that I allready had an approval of loan amount of Rs.240,000/-. Imran Farooqui was the representative who co-ordinated with me. When I had asked him for a loan amount of Rs. 100,000/- he said atleast you take a loan amount of Rs.150,000/-, then I will be able to give you 1.5% of waiver in intrest rate i.e. from 18% to 16.5%, and after an argument regarding insurance he also promised me for the waiver of insurance. So I agreed to the amount. All this conversation we had on 17th September 2010, and he sent a person to collect my documents on very next day. I called him and asked him whether I still have an offer of 240,000, can I opt for it. He said Yes I can opt for it. then he had applied for the same. and assured me that the amount will get disbursed on thursday i.e. on 23rd September 2010. When I didn't received the amount on Thursday, I called him and asked him for the status of my loan, he said it is still in process. On 25th he called me and confirmed me with the status that My loan amount has been approved by the credit managers and only the verification part is remaining which will be done by Monday i.e. 27th September 2010 and my amount will be disbursed again by thursday 30th September 2010. Today on 28the September I received a call from Mr. Parag Mapankar, He informed me that My loan has been approved for 195,000 instead of 240,000 & for 36 months instead of 60 months with no insurance waiver. When I asked them Why was it done, these people did not have any appropriate answer. Since 17th September 2010 I am asking Mr. Imran that want to talk to his manager Mr. Vivek Gaurav, but it seems that this person is so busy that he is not getting time to speak to his customer or it seems he is not bothered about his customers. The bottom line is I have been cheated & misguided with the false assurance from a reputed organisation like HDFC and nobody amongst the management team is bothered to speak to me atleast or help me out and HDFC has hired such kind of employees in their organisation. I am really very sorry to say about HDFC. I did have a respect for HDFC bank, but because of these people I have lost all the trust with the bank. I have an corporate salary account with HDFC since March 2006 which was opened by tracmail when I had joined. Even today also I am there with the company working as an Executive - Human Resources and We had salary accounts with the bank. I am going to request my company not to have such kind of fraud bankers. I would request you to take strict action aganst the bank and do the justice to me and to the people those who fall prey to this kind of fraud.

Sub- (a) settlement (surrendering) of my credit card

This is to bring to your notice that I have been constantly asking your executives
(last 04 months) about the procedure regarding the settlement of my credit card(no.[protected]).The card is on my sisters name Ms. Samritee Gupta Singhla,she is no longer using the card and is currently out of India.
Every time I speak to the HDFC executives I am asked to do the min payment, and I am assured that the card will be settled the next month. This is going on since 04 months, but sadly nothing has been done by HDFC.
This month when I received a call from the HDFC CUSTOMER CARE regarding the min payments. I apprised the executive about my previous talk regarding the settlement of card, but he/she refused to listen and kept on insisting about the min payment.He/She wasn’t ready to listen to what I had to say.I am sorry to say but a reputed bank like HDFC should screen people well before they assign them the duty of customer care. The way I was attended on phone is highly objectionable; the ‘CARE’ from the word ‘CUSTOMER CARE’ was completely missing.

Sub- (b) misbehaviour/foul language/getting personal on family.

Today (10.55am, 27/09/2010) I again received a call from [protected]of the same nature, asking for min payment. I very politely requested the CC executive to tell me the net amount I need to deposit, after which my card can be settled so that neither o[censored]s are bothered anymore. But what ever I said wasn’t of any concern to her. She was stuck to ‘min payment’.
She expressed the desire to speak to Ms. Samritee Gupta (the card holder and my younger sister), I told her that, she is married out of India, and is no longer using the card. Listening to this your CC executive said,’LET ME TALK TO HER AS SHE MAY BE OUT OF INDIA BUT SHE MUST HAVE NOT LEFT THIS WORLD’.
I don’t think this statement was needed. And it is just not acceptable at any cost. It calls for a written/verbal apology.
After listening to what she had to say I kept the phone. I again got a call, which was answered by my wife. She again very politely asked to tell her about the settlement procedure, and thereafter the needful will be done. Your CC executive told her, you can’t escape min payments, you can cut the call, not take it, run away from house, India but you will have to make min payments. The CC executive was shouting on top of her volume. Few abusive words were used too, which I need not mention.
I have never defaulted in making payments or in any other money transaction with HDFC.The only motive now was to surrender the card, for which I was asking for the net money to be deposited, and wasn’t interested in making min payemts.IN NO WAY MONEY WAS REFUSED,A SIMPLE PROCEDURE WAS ASKED.
I have deposited Rs5000/- in the HDFC account of Ms. Samritee Gupta,to assure my honest intentions.
I belong to a reputed and cultured business family,we are having 2-3 accounts in HDFC,but such kind of rude/indecent behaviour just not acceptable.

But I would like-
(i) A comment from your side on the statement/behaviour of your CC executive.
(ii) What do you have to say about the way your CC executives are avoiding to give info regarding settlement of card and in bargain asking for payments.
Kindly look into this matter ASAP n revert.

varun gupta