HDFC Bank Complaints & Reviews

Hi,
My mother has a saving account in HDFC.
Since October, we have got two fraud transactions on her account for the sum of 12500 and 7860 respectively. Both the transaction are looking as directed to WWW PAYTM COM POS DEBIT in passbook.
For the first Transaction she might have overlooked the message but today, again we had deduction of 7860 and she noticed it.

Message we received is as follows:
Thank you for using debit card ending XXXX for rs.7860.00 in noida at paytm1293914 on[protected]:14:59:47 avl bal: rs.XXXXX.XX

This is turning out to be a big fraud and many users from HDFC are affected by it as you can see many such complains here.
Please take necessary steps to get us out money back from frauds.

Regards,
Pranav Vinchurkar.
S/O Anjali Vinchurkar.

Hi my name is prateek godha, i am using hdfc credit card from last 2 years and making payments on time, from last 6 months i am paying minimum amount to bank but my amount is not getting deducted which i am paying every month, as they are adding finance charges, over limit fee and taxes, so whatever amount i am paying to bank is of no use it is just like i am paying interest, hdfc recovery people they keep on calling me and harres me to pay the minimum amount of 2900, as i asked them for settlement, they said that first pay the 2900 then they will do the settlement.

I am fed up now as they keep on calling me to pay the minimum amount. I don't know what to do now, they are not listening me at all ad keep on harresing me.

Please help me

I had purchased a forex card from hdfc and some unknown transactions have occurred before even i has swiped the card anywhere for the first time and i have lost about 340$ (Roughly more then 18500rs) i have been trying to dispute this change with hdfc customer support and has been receiving the worst customer care i have ever seen! Ref no. Hbl=[protected]. After days of waiting the latest email i received was from arun kumar who dosen't even know the complaint properly and says i should be contacting the merchant directly. This is a theft by hacking or some sort due to hdfc's poor firewall systems. How should i be able to reach the merchant?

I am a hdfc bank credit card holder. The bank has auto debited rs. 1399/- from my credit card number ending with 6829 without my concern on date:12/01/2018. I am not interested about this service and don't want this membership any more. So cancel the membership and refund this debited amount of rs.1399/-

Name :- vinita sahni
Mobile no. :- [9968xxxx11]
Credit card number ending :- 6829

Dear concerned,
I am a hdfc bank credit card holder. I have paid my credit card amount on time to time but the bank is continuously charging unnecessary finance charges 122.48 rupees in january month statement and 118.18 in december month statement. Also they have charged 1300 rs for 5500 amount that i have taken from atm in last november month 26.11.2017. Their guideline stated that 5% or min 500 rs. Charges will be applicable for amount taken from atm but this amount is beyond 5%. Also, they never intimated me for deduction details by any email and messaging. I am completely disappointed about this service and don’t want to membership any more.
Please refund my deducted amount rs. 122.48, 118.18, and 590 for extra deduction of atm cash.
Screen shots enclosed here for your reference
Customer id: 68537326
Account number: [protected]
Name :- ashish rohila
Last four digit of credit card number :- 3027

Rs. 6700.00 has been debited towards transaction with google*tunein to my account no [protected]. For which neither i received any otp nor i made any transaction with this merchant. I tried many times to customer care but the call is getting terminated half-way through. I really wonder how come they debit without taking any authorization from me. Also i do not understand why they terminate the call to the customer service center in the middle of a conversation

An amount of rs. 14999/- was paid from my hdfc a/c number [protected] on 03-11-17 at lucknow using my debit card vide transaction id payu-WWW.FLIPKAR po[protected]. You are requested to intimate me the full details of the said amount with delivery address as i have not purchased this transaction. Please accord priority.

Mobile no. [protected]
Email: [protected]@gmail.com

Hi there
It has been too much to raise regarding my one of transaction that has not been credited into canra bank account from hdfc, since last two months i have been trying at branch and to the phone banker and also sent mails but hdfc has failed to track my transaction if has not been credited into beneficiary account then where it went?
I request hdfc service team to contact me on my mail address ([protected]@gmail.com), so i can provide further detaila of the case, i have all the due proofs of both of the accounts as it has not been credted and now if it has not been resolved then i may seek legal help.
Thanks

I have a loan account with hdfc no :44511680 since last 1 year emi 16117. Though i paid emi regularly by ecs of sbi never get a statement.. Contact with bank but went in vein... Plz help so i can prepay my amount.. And how can i get statement regularly on my mail address and also how can i get it by sms also. I also mail to your customer service bit no reply
Pankaj ghosh
[protected]@gmail.com

Dear mr. Sanjith

Thank you for writing to us,

This is with reference to your query regarding the transaction of rs. 677.35 dated 18-jan-2017 at m/s pay pw *bigrock [protected] tx.

We assure you that the queries raised by you are being looked into on top priority. We had forwarded your query to concern department. The same is under review, and we will respond to you with details within 7 business...

Dear hdfc, i was forced to purchase hdfc fastag when i purchase my honda car. Paid 600 rs and issued fastag customer id[protected] on jan 19. But same day it was deactivated saying zerobalance. How come it is zerobalace? 200 must be added to account from 600 rs.

No way to get customer service numbers. (I dont know how they will help road assistance). Always line are busy 365 days.

Vijayalakshmi

Cancellation of one assist membership
I am a hdfc bank credit card holder. The bank has auto debited rs. 1399/- from my credit card number ending with 7505 without my concern on date:28/12/2017. I am not interested about this service and don't want this membership any more. So cancel the membership and refund this debited amount of rs.1399/-

Oneassist relationship number : 3398419
Plan name: enhanced wa privilege single plan
Name :- saad hannan m
Credit card number ending :- 7505

I did receive an sms from bajaj finance limited on 07-january-2018 regarding emi failure and i was astonished on receiving of such message as i had left sufficient balance rs. 5063.44 into my hdfc bank bank account for this emi deduction. After receiving this sms i was astonished, and checked my bank balance via doing the login in net banking of hdfc bank and found that there were a lot of multiple unknown transaction/deduction did happen about which, i neither received any sms nor any email and also no one did tell me about such fraudulent money deductions/transactions till the date. I was surprised seeing these fraudulent money deductions and hence i called your customer care[protected] for complaining the same but hdfc bank executive miss. Akansha sharma had given a fake information that bank had deducted these charges as my emi gets failed, when i asked her to connect/forward my call to her manager then she denied to forward the call. After that, i called mine all loan banks customer care and they told that they haven’t did any such transactions/deduction from my hdfc bank salary account.
Recently i did checked my bank account balance and it is showing rs -50, 435.00 as negative balance while before two days it was rs-46, 000 (Fourty six thousand only) only which is my emi amount.

The surprise is, i haven't linked any loan account with my salary account and yet hdfc bank is forcefully deducting such money and putting the account in negative balance. Which is obviously for mentally torture, mentally harassment and financial harassment as i did filed a case against them in consumer court in last year related to hdfc ergo and hdfc bank.

If anyone is opening their salary account with hdfc bank then beware with these facts as you are next who will get harassed financially and mentally.

At the end of the month everyone does wait for salary and when you became to know that hdfc bank had deducted more than rs6000 extra comparing to current emi amount then you can think yourself what will be your mentally condition at that time. And through what all situations you have to suffer rather than giving time to your family you would have to keep running bank, consumer court to get the fraudulent deducted money back.

Never open salary account with hdfc bank.

I have generated 2 vouchers through hdfc all miles card rewards points. I have redeemed partially.
I could see now the 2 vouchers were showing as invalid while try to redeem the remaining points,
So i called hdfc customer care for almost 10 times, all the calls were disconnected in between the call, and customer care team saying like there was the issue in server, i[censored] not fit to maintain the proper systems and servers, then you u promoting the products andd credit card.
Really fed up with the hdfc customer care..
I am planning to not get any hdfc product in future.. This is not the first time,, i could see several several times this was happening.

I need the proper response related to my rewards points query.

Call me @ [protected] for any clarification.

Dear sir,
It is observed that following amount was deducted for bg hsl value account
Charges

Rs 2358.82 was deducted from a/c on 08/01/2018
Rs 4718.82 was deducted from a/c on 09/01/2018

You are requested to revert the both amount to my a/c immediately.
How can you deduct amount two time for same item.
You are required to clarify why it happened
I had sent the details of grievance by email to customercare @hdfcsec.com on 9/1/2018 and 10/1/2018 and reminder was sent on 12/1/2018 and even i called hdfc cochin office no.[protected] but nothing has been done so far

Regards

Maya sajeevan
Trade id 753743

Hi,

My name is Amit Samantray. My money (i.e, 1100) got deducted while withdrawing money from HDFC ATM and next day extra 600 rs got deducted for not maintaining balance.As this is my salary account i can even maintain zero balance in my account.so kindly refund my deduction amount as soon as possible.

Thank you.

Hi,

Amount of rs 3127.00 has been deducted from my account without any prior information and acknowladgement, and the reason of this is for inter-brn cash chg incl gst 020118-mir[protected]

Check reference number :mir[protected]

Cretid the same amount to my account

This is not right way of business.

Reply to my registered email raja. [protected]@gmail.com

Thanks and regards,
Venmaniraja.

I pay for every month extra charges. They increase that penalty 3500 per month i paid for this. But they also made my payment status late due. And due to this reasons my civil score is too low.. What can i do. I paid every month so why this company increase payment every month and when increase payment then why low my civil score due to this reason. I want to complain for this company.

I posted the below query and it has been marked as resolved without even discussing with me. I will keep on posting until i get my solution.

I have a hdfc regalia credit card in ending with 7412 and i have an issue going on since jan 2017. The bill for the month of jan 2017 which i got on 13/01/2017 had total dues of rs. 4, 567.56 and the due date for the same was 02/02/2017. Due to some personal hardship i could not pay the dues in time and it was delayed by a week. I made the payment on 09/02/2017. I was expecting some interest to be levied in the next bill and i was ready to pay it. But when i received the next month's bill it showed total finance charges and interest of rs. 3, 778.92 which is around 83% of total due rs. 4, 567.56.

Immediately after seeing this i contacted the hdfc credit card customer card through email and told them to look into this and send me the details calculation of charges as i was not satisfied by the charges.

I asked for such details for around 2 months continuously but i never the details i asked for. I always got a reply that the interest and mark up fee has been charged at certain percentage and this is not in isolation of my card account only.

I even called the customer care for helping me provide the details but they also did not gave me any such details.

Then in october i got a call from the collection department of hdfc credit card saying that you have not paid the outstanding please clear it, i explained them the whole case, name of the lady is ms. Deepika. She told me that higher amount of charges are because i made a payment of rs 50, 000 on 15/01/2017 immediately after my jan bill got generated and since i missed the deadline interest has been charged at total outstanding amount and not just on 4567.56 which is totally [censored].

The payment that got late was rs. 4567.56 and the interest has been charged some other amount for which the bill is even not generated. After that i have been getting many phone calls from hdfc credit card for the payment and every time i have to explain them the whole case and nothing happens.

Once i told the executive to put a waiver request which also got rejected and my card is now blocked.

Through this complaint i want to inform hdfc that i am ready to pay the late charges for 4567.56 which is genuine but not on any other amount and even not the accumulated interest which has been getting calculated every month.

My salary account (In hdfc bank) was created by nocil ltd company i work at nocil ltd from 01/08/2016 to 30/07/2017, my salary account in hdfc bank branch vashi sector 17 was created with below t&c

This refers to the corporate salary account held with us. As a holder of this account you are entitled to many exclusive benefits such as:
1. Zero balance account
2. Free international debit card
3. Free demand drafts on hdfc bank locations
The terms and conditions of your hdfc bank corporate salary account, amongst others, requires that your salary proceeds are credited to this account on a regular basis.

So once i left the company and joined somewhere else in new place i had to open another salary account as new company was customer with some other bank. Now my salary account in hdfc bank has been converted to savings account (Without my consent and without informing me).
While leaving the old company i had called customer care and raised a request to close my account as i did not want to use the account and they did say that they will follow up with the request and close the account. After that i never logged in to my account through net banking and also do not used a debit card. Since december 2017 i started receiving message from hdfc bank that i have charge with 600 rs for not mentioning min balance. I went to hdfc thane east branch and checked my account no, the thana branch person said that i have rs -700 in my account.
I request you to please take action against this hdfc bank vashi sector 17 branch and close my account on priority basis

As per rbi regulations, banks are not allowed to make any customer's balance go in negative solely on charges levied for non-maintaining minimum balance. You may check this link:

https://rbidocs.rbi.org.in/rdocs/notification/PDFs/MBLRDC201114.PDF
https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=1022&Mode=0
https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=30911

According to the rbi notification, banks should not take undue advantage of customer difficulty or inattention. Instead of levying penal charges for non-maintenance of minimum balance in ordinary savings bank accounts, banks should limit services available on such accounts to those available to basic savings bank deposit accounts and restore the services when the balances improve to the minimum required level.

Banks should not levy penal charges for non-maintenance of minimum balances in any inoperative account. Banks should also limit the liability of customers in electronic banking transactions in cases where banks are not able to prove customer negligence, the rbi said.