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HDFC Bank Complaints & Reviews

2.9
Updated: Apr 15, 2026
Complaints 32946
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T
Tridip Deori
from Duliagaon, Assam
Sep 6, 2017
Resolved
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Address: 786151
Website: www.hdfcbank.com

Respected sir,

I am tridip deori from assam, tinsukia city. I was worked as a transaction assistant (S o.) hdfc bank (Sli) (Doomdooma branch-2965), my emp id:-so155846 from the period[protected] to[protected]. My request is that i i did not received my releaving letter
Till date. So please consider my request regarding my releaving letter, and please let me know the status. I hope you sir, please do
Process about my releaving letter, as early as possible.

Thanking you sir,

Yours faithfully, communication address:-
Tridip deori,
Mail id: [protected]@gmail.com
Ph no-[protected]
Niz mancotta khania gaon,
Siri luit path.
Dist - dibrugarh (Assam)
Pin-786003.
Oct 8, 2017
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Sep 07, 2017
HDFC Bank Customer Care's response
Dear Customer,

I Request you to write to exit.[protected]@HDFCBank.com along with your employee code, Supervisor name and contact details, office location where you were working and contact details. Will get back to you.

-Bejoy
HDFC Bank Customer Assistance
Dear sir,

There was no response from HDFC Bank as I am again nd again contacting. Close my HDFC Bank a/c no. [protected] and wave off all the negative balance. Without any information, how the bank is going to change my salaty account into saving account. I''ll not pay any amount to HDFC Bank.

Anamika
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    K
    Kiran_J
    Sep 6, 2017
    Resolved
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    Address: 560068

    Hi all,

    It is horrible that without user intimation they are deducting some amount from accounts saying "3rd party cash txn inc gst 100817-mir[protected]". It happened thrice for me and 177 *3 rupees has been deducted from my account.

    Note
    1. Without user intimation how can bank deduct amount? Or else at least there should be a message with details to a user mobile when they deduct this amount. So that user can get to know it and can act accordingly?
    2. Without user information if any bank transacts any amount then that is equal to looting / cheating.
    3. If this "3rd party cash txn inc gst 100817-mir[protected]" charges are penalty for using other bank atm's means, then why cannot you people deduct money on that moment it self? Why do you guys deduct money after some time?

    -kiran
    Oct 9, 2017
    Complaint marked as Resolved 
    HDFC Bank customer support has been notified about the posted complaint.
    Verified Support
    Sep 07, 2017
    HDFC Bank Customer Care's response
    Dear Customer,

    I request you to share your account/customer Id, transaction details and registered contact details to [protected]@hdfcbank.com with ref ID- TTU[protected] in the subject line. Will assist you better.

    -Bejoy
    HDFC Bank Customer Assistance
    hello sir this is shaik abu dawood frmTG frm my accout 354 amount dected it show 33d party some thing y i want to know plz mail me on [protected]@gmail.com..
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      A
      ashutoshks
      from Bengaluru, Karnataka
      Sep 6, 2017
      Resolved
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      Sir,
      I had applied to open saving account in hdfc bank, lonavala, maharashrta branch micr[protected]. My saving account number is [protected] and customer id 23667018. Some times back i have withdrawn entire balance amount from my account due to some need. Recently i went to bank to close this saving account. There i was told that my bank account has negative balance and it cannot be closed without depositing the amount of negative balance. It seems that amb penalty is levied on me even on zero balance thereby creating negative balance.
      I request you to kindly waive off negative balance and close my saving account and all facilities borne on this account for all purposes.
      Oct 7, 2017
      Complaint marked as Resolved 
      HDFC Bank customer support has been notified about the posted complaint.
      Verified Support
      Sep 06, 2017
      HDFC Bank Customer Care's response
      Dear Ashutosh,

      We wish to clarify that your account is not a zero-balance account. The Average Monthly Balance required to be maintained in your account is Rs. 5000/-. Please visit the following URL to know the fees and charges applicable to your account: http://www.hdfcbank.com/personal/fees_charges/fees_charges

      In case you have visited our branch, please email us at [protected]@hdfcbank.com and share us the name and address of the branch where you had visited. Kindly visit the following URL to access information for the complete address details of our Branches:

      http://www.hdfcbank.com/personal/find-your-nearest/find-nearest-branch.

      -Bejoy
      HDFC Bank Customer Assistance
      Around Rs 1000/- deducted for failed transaction
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        S
        Sandeep Bubby
        from Paloncha, Telangana
        Sep 6, 2017
        Resolved
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        Hi,

        I have made a transaction sum of rs 5000 from payzapp wallet to payzapp wallet, transaction failed and no refund was there it now. Transaction was done on monday, 4th sept 2017, 6:04pm
        Please do refund urgently. I'm in financial crisis.

        Following is my transaction #

        Txn:[protected]iu60tp4
        Oct 9, 2017
        Complaint marked as Resolved 
        HDFC Bank customer support has been notified about the posted complaint.
        Verified Support
        Sep 08, 2017
        HDFC Bank Customer Care's response
        Dear Customer,

        That sounds concerning.​ For us to look into this matter, request you to please share your registered contact details & transaction details on the below link:http://bit.ly/2aJ9wGW

        -Bejoy
        HDFC Bank Customer Assistance
        dear, sir
        i first time use pay zappy my 5000 rs lost please refund my money my RES. mob no [protected].
        I have made transaction 5000 rupees on 22 septemter night 8 p.m. to my account from payzapp...i did not money to my account...its very urgent please refund my money right now...I am in critical situation
        now, please resolve this please...please sir... please sirr
        I have made transaction 5000 rupees on 22 septemter night 8 p.m. to my account from payzapp...i did not money to my account...its very urgent please refund my money right now...I am in critical situation
        now, please resolve this please...please sir... please sirr
        Hi,
        I have made a transaction 23oct2017, 5:54am some amount rs 500 from payzeep wallet to my a/c transaction success message I got but i am not received any amount from payzeep wallet to my account.
        please check the attachment.
        [protected]
        Have transfer 5000 rs to other pay zap wallet but it's showing failed but amount is debited that happened 2time with same time... Have transfer from [protected] to [protected]... Check last 2 transaction on payzapp no[protected]. And update it... Transaction date 30/10/2017
        hi i have transferred my money from my credit card to payzapp wallet i received an SMS that the amount is deducted from card but i dont see amount uploaded to payzapp wallet, Please Help me, i'm in urgent requirement i have to transfer the amount to bank my phone no is [protected] for 3405.
        Hallo sir i am pay app load mony 10000 two times 1000 one tims pleese my mony 21000rs refund i am sarry pleese refund pieese
        I am kothandan. Iam sbi credit card 10000 +10000. Twenty thousand14 Feb city credit card 1000 Feb16 add paysapp faild please refund argent please
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          R
          Rahul atara
          from Nagpur, Maharashtra
          Sep 6, 2017
          Resolved
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          Address: Nagpur, Maharashtra, 440008

          I have 4 classic account in hdfc bank along with one swipe machine. Which were been open on term that there would be no hidden charges for both swipe machine n account.
          But 1) account handling charges on nand of program management fees is been deducted after complening n application twice it is been stoped but yet not refunded as committed
          2) swipe machine low usage charges is been applied which was not thr initially
          3) casual attitude of staff in back they just say give application we wll se to it
          4) since last 6 month no relationship manager has visited me as i know classic account is maintained at abm level
          Pls do the needful asap else i wll need close account in hdfc bank on bad note
          Oct 7, 2017
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Verified Support
          Sep 06, 2017
          HDFC Bank Customer Care's response
          Dear Customer,

          Request you to write to [protected]@hdfcbank.com along with your complete issue, Account/Cust ID charges and registered contact details. Please mention Ref ID- TTU[protected] in the subject line for me to track your mail and assist you better.

          -Bejoy
          HDFC Bank Customer Assistance
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            M
            manmano_it
            from Chennai, Tamil Nadu
            Sep 6, 2017
            Resolved
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            Address: Chennai, Tamil Nadu

            Yesterday (05/09/2017) evening 4 pm, i have added 20000 rupees from my credit card, the amount has detected from credit card, still the amount not showing on my payzapp balance, please revert me the amount back, i want to do the immediate transaction for hospital payment, please help me to solve this issue. I am trusting hdfc bank, so that i used to this. [protected], this is my account mobile no, please do the favour to me.
            Oct 8, 2017
            Complaint marked as Resolved 
            HDFC Bank customer support has been notified about the posted complaint.
            Verified Support
            Sep 07, 2017
            HDFC Bank Customer Care's response
            Dear Customer,

            That sounds concerning.​ For us to look into this matter, request you to please share your registered contact details & transaction details on the below link:http://bit.ly/2aJ9wGW

            -Bejoy
            HDFC Bank Customer Assistance
            Sep 07, 2017
            Updated by manmano_it
            I didn't get transaction details. Payzapp was hanged and forced to stop. So i did not get any transction details. Please help me to get the money back.
            Sep 07, 2017
            Updated by manmano_it
            The registered no is [protected]
            Sep 09, 2017
            Updated by manmano_it
            Till now it is not resolved, I did not get my money back.Please revert me the amount to my credit card. 3 days already left. But i don't have any response from the HDFC bank.
            Sep 12, 2017
            Updated by manmano_it
            I got my money back thanks to payzapp., HDFC bank
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              M
              Murali_naya3
              from Chennai, Tamil Nadu
              Sep 6, 2017
              Resolved
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              Address: 600010
              Website: hdfc

              Dear sir,
              My customer id is 61689316 my name muralidharan m i have a hdfc cc last 4 no is 4963 i want to change my mobile number all ready i have submitted the request form submitted in west mamba lam branch and kilpauk branch and thiruvanmuiyur branch in july month but still i have not received any sms in bank side kindly clear this issue my old phone is [protected] and new mobile no is [protected]

              Regards,
              Muralidharanm
              Oct 7, 2017
              Complaint marked as Resolved 
              HDFC Bank customer support has been notified about the posted complaint.
              Verified Support
              Sep 06, 2017
              HDFC Bank Customer Care's response
              Dear Muralidharan,

              Please write to [protected]@hdfcbank.com with the complete address of the branch where the request was submitted along with your complete new address.

              -Bejoy
              HDFC Bank Customer Assistance
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                K
                Kartheek Nani
                from Hyderabad, Telangana
                Sep 6, 2017
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                Address: Hyderabad, Andhra Pradesh

                My self kartheek, i have payzapp with my hdfc linked debit card while i was trying to add money to my payzapp wallet it's not credited but my money deducted from my hdfc account.. That money 12, 000 after i tried to reach the
                Number which they are provided in support/feedback but it's been busy and his returned my call.

                12, 000 is huge amount for me now, credit my money into my account asap..
                HDFC Bank customer support has been notified about the posted complaint.
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                  1
                  123@gmail
                  from Bengaluru, Karnataka
                  Sep 6, 2017
                  Resolved
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                  Resolved

                  Address: Bangalore, Karnataka, 560045

                  I have forget my credit atm pin please send to my registered mobile number [protected] or email. My credit card number [protected] please send as soon as possible it's urgent requirement. I have tried in net banking but not able to generate pin i can able to generate instant pin but thorough that am not able to making any transaction. So require credit card atm pin only
                  Sep 6, 2017
                  Complaint marked as Resolved 
                  Fodxxmxjdm kzkxdk jxks. Jssk. Ksxkcxk
                  HDFC Bank customer support has been notified about the posted complaint.
                  Verified Support
                  Sep 06, 2017
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  We have reviewed your comments expressed with regard to your Credit Card Pin. We request you to contact our Phonebanking officers at 6160616 for further assistance in this regard.

                  -Bejoy
                  HDFC Bank Customer Assistance
                  Today i was add money form 10000 payzep. But did not add money Showing in fail . But my account cr with money... plz reslove my problem.
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                    L
                    LAHU BHAWAR
                    from Morjim, Goa
                    Sep 5, 2017
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                    amount deducted from card but not added to payzapp wallet

                    Hi team,

                    Please look into below issue.

                    I have loaded 5000 rs into my account from my card and have seen the failure message after this. I see that the amount is debitted from my card but is not reflecting on the payzapp balance and also could not see the update in the recent transactions.

                    I need my money to be loaded on payzapp or should be refunded to my credit card.

                    I am completely...
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                    A
                    Asif Baig
                    from Mumbai, Maharashtra
                    Sep 5, 2017
                    Resolved
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                    Resolved

                    Address: Thane, Maharashtra, 401107

                    Dear San,
                    I Asif karim Baig had purchase a swift dzire vehicle on 20th dec.2013 on finance from HDFC

                    Request you plz share my car loan statement of my swift dzire my loan code is 26629751
                    Request you plz mail the statement & pending amount on my mail id asif786070.[protected]@gmail.com

                    If any query please feel free to call undersigned

                    Regards,
                    Asif Baig
                    [protected]
                    Oct 14, 2017
                    Complaint marked as Resolved 
                    HDFC Bank customer support has been notified about the posted complaint.
                    Verified Support
                    Sep 13, 2017
                    HDFC Bank Customer Care's response
                    Dear Customer,

                    We are working on your concerns vide ref no:[protected] and will get back to you in 3 working days.

                    -Bejoy
                    HDFC Bank Customer Assistance
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                      R
                      RaviKumar Guvvala
                      from Hyderabad, Telangana
                      Sep 5, 2017
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                      Address: Hyderabad, Andhra Pradesh, 500084

                      Dear Sir / Madam,

                      This is in regards to Online Fund transfer from my payzap account mistakenly transferd into ICICI A/C. No.[protected].

                      Request you to please revers the transaction to My ICICI Savings A/C No.[protected]

                      Pay Zap Number : [protected]
                      Payzap Gmail. [protected]@gmail.com
                      Transaction ID:[protected]mF67rK6
                      Dated: 03/09/2017

                      Name: ravi kumar
                      Savings A/C No.:[protected]
                      Branch: miyapur branch, hyderabad
                      Contact: [protected], [protected]
                      HDFC Bank customer support has been notified about the posted complaint.
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                        R
                        rajpalsingh85
                        Sep 5, 2017
                        Resolved
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                        Address: Gautam Buddh Nagar, Uttar Pradesh, 201301
                        Website: Payzapp application

                        Hello team,

                        I had done 3 transaction rs 20000 each through citi bank credit card on 3 different payzapp account i. E [protected], [protected], [protected] some how one transaction of rs. 20000 was unsucessfull. Amount is deducted from my credit card but not credited in payzapp account. Thse transaction was done on 04/09/2017 aprox time 4:00- 7:00 pm.

                        I would request you please cancel or refund one transaction of rs 20000.

                        Rajpal singh
                        [protected]
                        [protected]
                        [protected]@gmail.com
                        Aug 6, 2021
                        Complaint marked as Resolved 
                        Dear Customer,

                        We wish to inform you that the load money transaction of Rs.20000/- dated 4th September 2017 was failed. The refund has been initiated back to the account on 8th September 2017 to card number ending 4049. Please find below the details for assistance & request you to get in touch with the respective bank for the refund procedure.

                        Acquiring Reference Number- 75260777247001076582791

                        Note - Refund will take 5 working days to be credited in the source card from the date of refund.

                        For any further assistance please feel free to email us at [protected]@payzapp.in or call us at[protected]Toll Free)

                        Bejoy
                        HDFC Bank Customer Assistance
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                          R
                          raman donepudi
                          from Hyderabad, Telangana
                          Sep 5, 2017
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                          Address: 500084

                          Hi team,

                          I have seen a very wierd behavior with this payzapp application.

                          I have loaded 5000 rs into my account from my card and have seen the success message after this. I see that the amount is debitted in my account but is not reflecting on the payzapp balance and also could not see the update in the recent transactions.

                          I need my money to be loaded on payzapp or should be refunded to my credit card.

                          I am completely dissappointed with this app.

                          It's been 30 hrs since i ended with this failure and no update.

                          Need help asap!!

                          Regards,
                          Raman
                          [protected]

                          Payzapp — money debited

                          I have loaded 192 rs from HDFC credit card to payzapp wallet on 3rd sep 2017...amount debited from my credit card... Till now it is not added into my payzapp wallet and not refunded back to my credit card...
                          Please do the needful support.

                          My no: [protected]
                          Mail id: [protected]@gmail.com

                          Thankyou..
                          PIYUS SATPATHY
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                            Munish.scm
                            from Korampallam, Tamil Nadu
                            Sep 5, 2017
                            Resolved
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                            Resolved

                            Address: 641003

                            Sir
                            My name is muniasamy. I was employee of hdfc bank. I was worked as current account sales officer in hdfc bank from june 05 2015 to december 4 2015. I didn't get my salary slip and pf number. Now i need it for job purpose. So please send me 6 month salary slip and my pf number. My mail id (Munish. [protected]@gmail
                            Com) mob:[protected]

                            Thanks
                            Regards
                            Muniasamy s
                            Oct 7, 2017
                            Complaint marked as Resolved 
                            HDFC Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Sep 06, 2017
                            HDFC Bank Customer Care's response
                            Dear Customer,

                            I request you to write to exit.[protected]@HDFCBank.com along with ur employee code, Supervisor name and contact details, office location where you were working and contact details. Will get back to you.

                            -Bejoy
                            HDFC Bank Customer Assistance
                            Hello Sir,
                            My name is Raj Kumar Gupta. I had PNB debit card which I try to withdraw Rs.100/- from HDFC ATM. Money has not withdrawal but Rs. 100/- had debited. I had this photo which I am uploading. My PNB debit card no. [protected].

                            Mo. [protected]
                            Regards,
                            Raj Kumar Gupta
                            I tried to send 10, 000 to another payzapp wallet. But the transaction failed and also amount deducted from my wallet. So please look in to this issue asap
                            Sir,
                            Aaj Maine apna HDFC bank sa 4000 rs ka transfer Kiya SBI bank me apna payZapp sa mobile no:- [protected] but mera bank sa 8000 rs deduction hua hai or Maine sirf 4000 rs he wallet me add Kiya hai pata nahi kaisa 8000 rs deduction hogya hai mera account sa. Please refund my money back.
                            Sir,
                            Am a hdfc account holder, used my payzapp account with mobile number [protected] me added 4000/- through my HDFC bank to payzapp wallet and transfer an amount of rs.3950/- on 04th September 2017 to my brother SBI bank but sir mera HDFC bank sa 8000 deduct hogya hai.
                            I need my money back please it urgent refund my money
                            Sir my account no. [protected]plc sir my mobile no. Change new number. [protected] plc Register plc
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                              S
                              Suri Pulapa
                              from Surat, Gujarat
                              Sep 5, 2017
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                              Address: Navsari, Gujarat, 396324

                              This is suribabu my payzapp account mobile no: [protected].
                              On september 5th 2017. I tried to add an amount of 5000 to my payzapp wallet with credit card.

                              Amount is debited from my credit card. But not credited in my payzapp wallet.

                              Please check my transactions once.

                              Customer care is not responding, and toll free number is always busy.

                              I already sent a mail to support of payzapp still no respose.
                              HDFC Bank customer support has been notified about the posted complaint.
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                                S
                                sunder ganapathy
                                from Bengaluru, Karnataka
                                Sep 5, 2017
                                Resolved
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                                Resolved

                                Address: 560001
                                Website: hdfc net banking

                                On 4th septemeber-17 i have transferred by net banking rs 35000/ to my hdfc card no [protected]. I did not receive sms for having received this amount. When i called yesterday night the call center i was informed that sometimes it takes 24 hours to resolve.

                                To avoid late payment i have once again paid rs 31000/ today for which i have received the sms.

                                Kindly look in to my transaction of rs 35000 yesterday and revert.

                                Regards

                                Sunder ganapathy
                                Oct 11, 2017
                                Complaint marked as Resolved 
                                HDFC Bank customer support has been notified about the posted complaint.
                                Verified Support
                                Sep 06, 2017
                                HDFC Bank Customer Care's response
                                Dear Customer,

                                We are in receipt of your payment of Rs. 31, 000 on September 5, 2017 and the same has been credited to your Credit Card account on the payment due date. The relevant credit for the same will reflect in your September 2017 statement. We request you click on the "View unbilled transaction link" in the "Credit Card" option on our netbanking facility to view the above credit on your card account.

                                -Bejoy
                                HDFC Bank Customer Assistance
                                Sep 06, 2017
                                Updated by sunder ganapathy
                                dear Sir/Madam;

                                what about the Rs 35000/ deposited on 4th September-17.

                                kindly confirm status.

                                regards

                                sunder.
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                                  K
                                  Kumara12
                                  from Delhi, Delhi
                                  Sep 5, 2017
                                  Resolved
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                                  Resolved

                                  Address: New Delhi, Delhi, 110059
                                  Website: Payzapp

                                  I added 5000rs using a master debit card, it has been deducted from the bank but not updated on the app.
                                  Pls resolve it asap.

                                  Registered number: [protected]
                                  Account name: amit kumar
                                  Registered email: 50. [protected]@gmail.com
                                  The transaction was made on 30th august.

                                  —
                                  Account: in[protected]
                                  App version: 3.01.06.04 [3010604]
                                  Phone make/model: motorola xt1635-02
                                  Android version: 7.1.1
                                  —
                                  Aug 6, 2021
                                  Complaint marked as Resolved 
                                  Sep 05, 2017
                                  Updated by Kumara12
                                  I just got a call from you guys and they asked me my bank account and then said I will refund it from here then please remove the complaint as soon as you get refund. They asked me the Otp twice and took 31.900 rs in first transaction and 15000rs in second transaction.
                                  Another one is calling me to check and said it's a fraud transaction and I will check this. He is also asking me the Otp I didn't give it to him.

                                  The one who charged me is [protected] and second one is [protected].

                                  Pls look into this, I want my money back.
                                  Dear Customer,

                                  Our PayZapp team had responded to you through e-mail. he transaction of Rs.5000/- has failed and the refund has been initiated to your account on 31st August 2017 to card number ending 6761. Please find below the details for assistance and request to get in touch with the respective bank for the refund procedure.

                                  Acquiring Reference Number- 75260777242001058084472
                                  RRN Number:[protected]

                                  Note - Refund will take 5 working days to be credited in your source card.

                                  For any further assistance please feel free to email at [protected]@payzapp.in or call on[protected]Toll Free)

                                  -Bejoy
                                  HDFC Bank Customer Assistance
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                                    A
                                    Abhishek V Tiwari
                                    from Mumbai, Maharashtra
                                    Sep 5, 2017
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                                    Address: Thane, Maharashtra, 401107

                                    Hi team,
                                    I tried to transfer an amount of rs.5000 to a bank account from payzapp but the transaction got failed.
                                    The money shows debited from my payzapp account but as transaction was failed it didn't credit back to my payzapp account.
                                    I have confirmed with the beneficer and he did not get any money.
                                    Where is my money. Please reply.
                                    Mob. No.[protected]
                                    HDFC Bank customer support has been notified about the posted complaint.
                                    Salom Jerlin customer from trichy HDFC bank.i have availed car often i am getting call from this number [protected][protected] a woman named divya is speaking and threatening me and using abusing and insulting words for loan payment.really I m much worried about this kindly take necessary action immediately or else I will move to legal steps.
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                                      A
                                      amirdha
                                      from Bengaluru, Karnataka
                                      Sep 5, 2017
                                      Resolved
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                                      Resolved

                                      Address: 560095

                                      Hello,

                                      I have purchased some items in life style koramangala and item worth 1789.00 rs on 10th aug 2017 and i have tried to pay amount via my hdfc debit card. The amount is detected from my account and but the from their end it is notified as it was cancelled please check the utid:00131016. Again i paid.
                                      The amount is not refunded yet. I have raised the complaint to lifestyle and they provide the service request number as 367327.

                                      I have approched the hdfc customer care as well for the same issue (Hbl=[protected]. They have mentioned excess amount is detected from the account and amount will be credited. But as of now my amount is not credited. It is more than 25 days. I really disappointed with the issue is not rectified. Kindly help me for the same.

                                      Regards,
                                      Amirdha. T
                                      Oct 7, 2017
                                      Complaint marked as Resolved 
                                      HDFC Bank customer support has been notified about the posted complaint.
                                      Verified Support
                                      Sep 06, 2017
                                      HDFC Bank Customer Care's response
                                      Dear Customer,

                                      Request you to provide us your customer Id/card number, issue details, transaction details, date/time of transaction and registered contact details by writing from registered email ID at [protected]@hdfcbank.com. Please mention Reference Id TTU[protected] in the subject line. Our concerned team will get back you. –Natasha

                                      -Manoj
                                      HDFC Bank Customer assistance
                                      Sep 07, 2017
                                      Updated by amirdha
                                      Hello Sir,

                                      I have raised the complaint with Dispute form and the amount is transferred by today.

                                      Thank You,
                                      Amirdha. T
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