HDFC Bank Complaints & Reviews

Hi,

I have applied for hdfc home loan before issuing check they introduced new conditions.. so i rejected the offer and asked them to stop the loan processing and return the processing amout to me but even after 6 months they didn't sent any reply for my mails.

I am holding a salary a/c with HDFC Bank since July, 2006. Every thing was fine till 9th May, 2008, when I lost my Debit cum ATM card. I called up to block my card immidiately which was done successfully. I had also applied for a new card on the very next day with the Nalasopara(W) branch. But when a bearer cheque of mine reached the Kandivili Thakur Comlex Branch on May 13th, the bearer was informed that I dont have balance in my account. That was so embarassing as I knew that I had more than Rs.20000 in my account. When I called up at the customer care they informed that a credit card which has been issued on my name in 2005 has been linked with the account. I had once applied for a card and I was informed by a written letter that I am not elligible for the card. Then where did this card come from?

I dont have any other account in this expensive city and all my money has been blocked by the bank, that to without informing me.

Pls Help me out of this otherwise I have to starve to death.

Regards

Sumanta Samanta
Voice - [protected]

On 7/5/08 @ 17:47 hrs i have went to draw cash at HDFC bank branch attached ATM located at Selayur, Chennai. I have entered the amount for Rs.15000/-, whereas i have received only Rs.13000/- (Denomination - Rs.1000x12=12000 & Rs.100x10=1000), i have not received Rs.2000/-. Immediately I have lodged complaint in HDFC bank through phone banking as well in the branch complaint register. On 16/5/08, now i have received reply from them that their accounts was correct and the ATM machine has dispensed Rs.15000/- only. I am very much upset of this and i dont know how to proove that i have received only Rs.13000/- cash. So i request all beware of ATM machines and count the amount you have received from the machine immediately or otherwise the Banks are cheating the customers. Any knows how to tackle this problem please kindly send a solution to resolve this issue.

To,

The Manager,
H.D.F.C Bank Limited

Sub - Regarding financial Assistance i.e. Financed of Motor cycle TVS APPACHE PB02-AW-5663, Loan No.3068188- on the name of Dalip Bharti s/o Shri Brij Krishan Bharti r/o H.No. 168/New Bharat Nagar, Amritsar.

Sir,
I, Rekha Bharti wife of shri Dalip Bharti deceased resident of No.1193/New Bharat Nagar Amritsar is taking this opportunity to approach your goodself for following favours :-

1. That I have already approached to your branch bankat Amritsar, Mall Road, ASR. On the subject but they have not Given any response till to date.

2. But bank is sending cheque to his bank account. But there is no enough balance so, the cheque is bouncing.We have informed your bank about that matter. We have no responsible for any cheque bouncing till to date or in future.

3. That as my husband has been expired in accident the said Motor cycle has been got financed with your bank branch at Amritsar but being I am Widow and have no source of income I am not in position to pay installments of the said financed amount. It also mentioned that accident of my husband took place on 13/10/2007 and necessary FIR NO.192 has been got registered in the police station Sultan wind Amritsar under section 304A/337/338/279/427 IPC. Further in the said accident my husband has been expired on the said road accident.

In view of above, it is requested that as I am unable to make payment of the installments of the said financed amount as such the bank can take the possession of the said motorcycle from the concerned police station. This is for further action please.


Yours faithfully Rekha dated:16 /05 /2008 .

I am working with M/s HBL GLOBAL PVT. LTD. as a Tele-Caller Executive vide
letter no. 23.2.2008 and employer code no.
HBL/AP/S27290. My verification for salary a/c opening was also done late
rendering my salary less till 30.4.2008 almost more than 2 months after
joining.

My Salary A/c no. [protected] was opened with bank and account no. for
salary transfer was forwarded to Accounts department for salary
disposition.

I was also assured by my Sales Manager -Mr. Nitin K Arora that the salary
would come on pay day of their company i.e. 12th of every month. and in
this case 12.5.2008.Now they say it would come on 1.6.2008.

This is the same atrocity many employees like me are facing when they work
for these registered limited company's and working and using the name of
Esteemed Banks.

many employees receive salaries after 4-5 months of joining. How can a
employee work and survive on such a long period without any work
compensation.or else they release advances in lieu of salary till they dont
release actual salaries.

I request the bank to take a strict action against these organizations and
also help me in releasing my salary on time as i supports my family
through my salary.

I would be greatful for your strict and appropriate action.

Shaveta Jain
[protected]

Hi,

I hold Hdfc bank Visa Platinum Plus card ([protected]) and have maintained an excellent relation with your bank. I am too a preferred HDFC bank customer.

I happened to call on May 1st 2008 to upgrade my credit card to Visa Signature. One of your credit card officer asked me to fax the letter of request along with my other bank’s credit card statement.
She also informed me that I need to pay an Amount of Rs.3, 999 as onetime fee for Visa Signature card to which I agreed with her. When I faxed on May 2nd 2008, your credit card officer
gave me a request number ([protected]) and requested me to wait till 4 working days. After that I made number of calls to know the status of this request number and each time I was
informed that the request is still in process.

On May 12th 2008, one of your managers, Taruni, told that Visa signature cards are routed only through my relationship manager.

Your Bank did not even bothered to call me as promised your Team manager, Taruni.

This is ridiculous. If the bank was aware of this procedure then why they asked me to fax the required documents and wasted my time and money.

When I enquired about the credit limit enhancement which the bank has done since long time, Taruni, The Team Manager of HDFC credit card division asked me to fax another letter along with
The statements and front copy of ICICI Bank Platinum credit card.

Here too I waste my precious time to confirm whether the bank has received the clear fax or no.

Most of the credit card officers either lack knowledge or they disconnect the call. I was kept on a long hold .The only one thing they are well versed is to ‘apologize’ the customers.

After running pillar to post to send clear fax to the bank, Taruni informed me to drop the required documents at the nearest HDFC drop box.

Had Taruni informed me to drop the required documents in the first place, I would not have wasted my precious time and money.

Is this the way your Bank treats their valuable customers?

Potential customers feedback is important for the bank. Please always endeavor to provide the best service to such customers.

I don't understand how this bank gets rewarded.May be for worst customer service in india.:-)

I never expected such a worst experience from the your bank and now I will have to think twice before making any further investments with the bank.

I have taken loan from HDFC around 5 years back in Floating Interest rates but they are charging me with a rate of 14 % p.a. and giving loan to new customers at 10.5 % p.a. and when i inquired they say that the interest rate will be as per RPLR of the company. i think this is not fair way of doing business and is cheating the public.
Can anyone help me to show me the way to get justice on this.

To,
Mr Abraham J
asst, manager -customer service,
HDFC credit card dept.

SUB: NON PAYMENT OF OUTSTANDING AMOUNT

Dear sir,
This is with reference to your letter dated 30th apr 08 which i recieved on 24th may 08 regarding cancellation om my credit card no. [protected]. The letter says that i have an outstanding amount of Rs 114/- but i would like to get it to your notice that I HAVE NOT RECIEVED THE ABOVE MENTIONED CREDIT CARD hence i had requested a cancellation. But inspite of that i recieve bills for the same and now you tell me i have an outstandind amount for a card that was never delivered to me leave alone using it.
Please note that this is my last communication to you as this issue has been a constant reason for mental torture for me as i have called customer service N no. of times for the same. Also please see to it that the bills of the card that are still sent to my residence stop immedietly.
Hope suitable action is taken as soon as possible. Thank you.
Regards,
Ms. Jhumma Mitra.

Hi Friends. I am new to the world of Credit Cards. For the past few months a sweet female voice started torturing me over phone to get a Credit Card. After a 100 calls, I agreed. then the agony began. These guys asked me the same bull question 100 times. asked me to spell my residence, permanent and local address. I was really irritated and once shouted that I do not need the card.

Then on Feb 25 or so m the card came to my office address. But believe me till this moment I have not got my PIN. They say I can pay within 50 days w/o interest. But this period is not 50 days, but only 30 days. . Just count and check.

Now they have not even sent the PIN. They claim to have sent it to my office address which I never got. I do not want any communication to my office address. The only thing I got was the stupid statement dt 14 March 2008. If I had not found that statement I would have been penalised.

Now I learnt how they work. They delibrately make the customers delay making their payment by not sending bills, intimations, PIN or any such thing so that they can suck blood (money) out o[censored]s. You know the interest we pay is the only revenue for the Card s. They wont prefer us paying in time as they wont get any revenue as penalty / interest / finance charges.

So buddies, be careful in paying ur CC bill in time. My first Bill was for Rs. 969.00 out of which I spent 500 for recharging my mobile and got a pair of shoes and other footwear for my room mate.
My current month outstanding is just Rs. 246.00, (recharge card) . Please spend in control so that we do not give any oif our money as revenue to the Credit Cards.

Kumar
[protected]

hdfc bank ltd, i worked there for 5 months or little more and left on 13 oct 2007
but now when i ask them for issuing me releaving letter they dont response and even dont pick my phone when i call them and then one day they ask 1000 rupees for getting the releaving letter and provident fund number too, they are just harrasing me and dont give me details that why till date no correspondance is there regarding the same, no one is bothered for this whom should i ask for help today its 7th april 2008, six months gone and no one replies to me
branch manager name is ramandeep singh
deputy branch manager jasmeet singh mokha

i hold a hdfc credit card and iam using it for past two months. at the time of issueing this card they never told me anything about petro card and how it works. they delivered statement late and then they are charging me for late fees. they never told me the details of card while issuing, they just gave me card at that time saying that there are no hidden charges. above of all when i called them and asked the details they just said that you have to pay and we are not responsible for anything. HDFC sucks.

HDFC Credit Card
Posted:[protected] by Debotosh Bhattacharya [send email]
Savings account on hold

Complaint Rating:
My Credit Card No:[protected] was due for settlement.
Every month I have been paying 4300 rs as minimum amount due.
This did not lower my Principle amount but the amount was adjusted.

I asked for settlement after which they took their own sweet time of four months.Meanwhile
the persistent phone calls came on coming for payment of min amount due.

Now even before receiving the settlement letter, for which I was ready, HDFC bank has put my savings bank account on hold and I cannot make any transactions.

All my ECS and other checks have bounced due to it.
No body from HDFC called or informed me that the account will be kept on hold nor did I receive any
communication regarding the same.

HDFC should understand the situation and should not act erraticly.

This is regarding a cheque bounce. I have issued an ICICI cheque to HDFC bank towards the credit card payment which was returned stating as insufficient funds. I had enough funds in my ICICI account for which when I contacted the HDFC customer Care to view the cheque, they are not willing to present/show the cheque to me.

Being a customer and the owner of the cheque, I have every right to veiw the cheque. However, HDFC is not ready to show the cheque. Don't know what to do. Can Someone at higher level take this up and do the needful.

I have my Savings account in HDFC Bank and They block my card without giving any notice in just three months. They issued a new card which I did not recieve till now and when I asked to reset my Net banking pin and send the new pin to my e-mil address they refused to do so, Now I am in a great problem as in I have to py for my debts and rent and I dont have my card or my cheque to withdraw the money form my account, for the phone banking they are f efusing to transfre any fund from my account to someone else's acount.

Please guide me what should I do now and whether I can get some compensation for their such srevice as after 5th I will be penalised for late payment charges for my installmet of Debts I owe and for the Rent which is still due to pay.

I got resigned Centurion bank of punjab in sep 2007.On 31/03/2008 i revd leter from Employees provident fund orgination-mumbai (ref-7236100/cash/20072008/ban68/583/6371 rl.no.172067&72366101/cash/20072008/ban68/590/6483 dt 31/03/2008.)that they have sent chq of rs.26198 and 6630 in centurion bank of punjab ltd, fgurgaon phase v, 5, 6, 7, paras town, dlf phase v, sector 53, gurgaon 122001.

But the above mentioned bank is saying that they have not revd.
Kindly solve it

hi sir,
I am Ganesh Pandurang Bane. I had taken a Credit Card from hdfc bank 3 years ago. when i get the credit card, after 15 day's i recieved call from hdfc bank for mediclaim. they told me you get the free madiclaim policy with this credit card. but when i get the statment for this credit card for that month, they withdraw Rs. 3500/- from my credit card account. then i go to the bank and gave them a cansellation form for...

DEAR SIR / MADAM

AFTER GETTING TOTALLY FED UP I AM TAKING THE INITIATIVE OF COMPLAINING TO THE CONSUMER FORUM, AS THIS IS MY LAST LIGHT OF HOPE NOW.
I HAVE BEEN THE CUSTOMER OF HDFC BANK FOR THE PAST 8YEARS FROM THE TIME I FIRST BEGIN WORKING, SINCE I WAS BANKING WITH THEM FOR A PERIOD OF 8YEARS, THEY OFFERED ME A CREDIT CARD, MAKING SUCH BEAUTIFUL PROMISES THAT ONE CANNOT ESCAPE, SAYING THAT THE CARD WAS FREE NO CHARGES ETC... AS THIS IS A GIFT TO OUR ESTEEMED WOMEN CUSTOMERS.

ITS A YEAR NOW, I HAVE USED THE CARD THRICE THRU ATM TO WITHDRAW SOME CASH OF 4, 000INR
AND HAVE PAID THE AMOUNT THRU DIRECT DEBIT ONTO MY DEBIT CARD, SINCE THE CALLS O[censored]NPAID AMOUNT WERE COMING EVERY NOW AND THEN, I CALLED UP THE HEAD BRANCH IN PANJIM, GOA, AND ASKED THEM WHY AM I CHARGED MORE THAN WHAT I HAVE TRANSACTED, THEN IT WAS BOUGHT TO MY NOTICE THAT THERE ARE MANY UNAUTHORISED TRANSACTIONS, I WAS VERY MUCH ANGRY CAUSE I NEVER RECEIVED ANY STATEMENT FROM THE BANK TILL THEN GIVING ME THE DETAILS, AFTER MAKING A HUNGAMA, THEY SENT ME THE DUPLICATE OF THE STATEMENTS, AND I WAS SHOCKED, THAT I NEARLY GOT AN ATTACK.

THE CARD WAS USED INTENTIONALLY AND ALSO IN THE ATM SOMEWHERE IN VASCO, WITHOUT ME USING IT, I WROTE TO THE CHENNAI CREDIT CARD DEPARTMENT ASKING THEM THE SAME, BUT TILL DATE NO RESPONSE, I HAVE ASKED THE BANK TO CANCEL THE CARD IN THE MONTH OF OCTOBER 2007 AND THEY CANCELLED IT IN MARCH 2008, THE PHONEBANKING HAS ALL THE DETAILS OF MY COMPLAINS BUT TILL DATE NO ACTION HAS BEEN TAKEN.

NOW TO MY SURPRISE ANOTHER CREDIT CARD IS ISSUED WITHOUT MY CONSIDERATION AND I DONT HAVE IT WITH ME, STILL MORE TRANSACTIONS ARE ADDED ONTO THEM.
KINDLY HELP URGETLY AS THIS IS RUINING OUR PEACE OF MIND,
MY CREDIT CARD NUMBER WAS [protected]

HOPING TO HEAR FROM YOU

THANKING YOU

SHEENA M DIAS
GOA - INDIA-

Dear Sir,

I was using HDFC card from last 2-3 years and was happy with the services but 8-9 months ago there were 2 transactions made from my credit card. I got this information from my monthly statement then I called the customer care to investigate this matter because I had never done this kind of transactions. When consulted with the customer care they told me that they are reissuing my card and will be received it to you in 2-3 weeks maximum. I said that if you can provide me the card number then I will pay your bills because every month I had to pay at least 1300 rs as an installment but they told me that they cannot tell me the new card number you can see it after receiving. I thought it’s ok if I will receive it in 2-3 weeks.

But I didn’t get the card till now and after that 4 months ago I had received a call from HDFC collection department and they gave me the only card number to pay the bill but it was including all the charges(late payment and Finance charges). I paid them 1500 rs through check and told them to please send me the card as soon as possible. But after 1 month I again received a call from collection department to pay the rest amount then I told them that please remove all Finance charges against my card number because it’s not my fault, I am ready to pay my installments if you wave off all the charges. They (as I remember Rahul and Nitin) promised me that they will send me the card and wave off my extra charges so on the basis of that commitment I paid the installments till December/ January. But some day back I got a call from collection that you need to pay the whole amount, again I told him the entire story but he threatened me and told me that you need to pay this balance in 5 minutes otherwise he is going to take some legal actions.

I made the following requests by an email:
·Waive off all the extra charges so that I will start paying the monthly installments only as I am a salaried person so cannot pay any extra amount.
·Send me the Credit Card as I have received two letters from HDFC stating that you need to clear you dues first.
·Take some action against the person who had called me this month and threatened me.
·Till Jan/Feb I had only 2 backlogs as an installment so please consider this matter on urgent basis.

But despite of waving off approx 5000 rs(Finance charges) they told me to waive off 1700 rs and now they have sent me an email that they are going to send my details to RBI credit .


Please advise...
Vikash Kumar

Dear Sir,

Recently, I had a fraudulent transaction on my HDFC credit card on the internet. This was on 16th April 2008. I immediately contacted Paypal, where my account was hacked and the site where online purchase had been done. Both responded positively and my money was recovered in 48 hours.

Contrast this with HDFC bank, whom I contacted within 2 hours of the transaction happening. They took 48 hours to mark the transaction as disputed. Also, till date, I have not heard anything from them despite my daily calls to the call centre. All I am told is that investigation is on and I will be notified in 45 days.

Are HDFC bank credit card users really safe? In such an open and shut case where my e-mails to western organisations yielded results in 48 hours, HDFC bank seems to be least bothered about its customers peace. Worse they have not even realised, that the case has been solved by somebody else. This only goes to prove that HDFC bank plays games with its customers and in the end would say that the customer must have given the card number to somebody on purpose. One of their call centre supervisors Sushant had said this and I am just want to caution other users, that however genuine they may be, HDFC is not even going to do any kind of investigation.

Regards,

Ganaraj Joglekar



Mumbai

I bought the above mentioned plan on 27-Dec-07, from that day I have been facing issues and feeling like why I bought this plan and why I am doing business with HDFC SLIC where the service is very pathetic. Please look in to this.



1. I have been asked to attend the medical test without the letter, where in I had to wait for the same.
2. I got the policy document three months after getting in to the deal
3. Even after submitting the mandate form during the policy preparation, ECS was not activated
Every month I am paying the premiums by going to HDFC SLIC office in Bangalore. You can imagine my state in Bangalore traffic
4. I applied for the online payment option on 18-Mar-08 in Bangalore office but I didn’t get any information about that.
5. I don’t get any major communications through either by mail or by post.
6. I again applied for ECS on 14-Apr-08, today I checked with my citi bank and they said that still they haven’t received the communication from HDFC SLIC for ECS.
7. Executives from HDFC SLIC don’t bother to reply the customer mails or queries, even if they reply, it will be very rude.
8. The business development managers don’t pass on the information to customers properly.
9. The office in hubli/dharwad don’t accept the outstation check for payment, even if they accept that they don’t give you the receipt. When I have the experience of above scenarios can I believe HDFC to pay without receipt.
10. But the BDM’s pass on the information to customers that they will accept the outstation checks and give the receipt as well. You need to go all the way from home to HDFC office and hear the contradictory reply from the HDFC office.
Can I believe in HDFC SLIC?

Its something like you have sold your product and left your customer deserted. When ever I see the HDFC add popping up in TV saying customer satisfaction is our primary goal, it looks sarcastic to me.

Even after all these issues I have not got a single apology letter from HDFC SLIC.

This time again I have applied for ECS and still its not passed on to citi bank, if I get any mail or post from HDFC after the due date to pay the premium along with fine I will not follow it up.

I have seen one consistent thing happening with me from HDFC SLIC is that I am frequently getting in to trouble and there is not even one to help me.

I have been associated with HDFC from last 7 years and I haven’t got any issues for banking and asset management. But I should say that the service from HDFC SLIC is pathetic.