HDFC Bank Complaints & Reviews

The following mails were written by me to HDFC Life seeking refund of my hard earned money, which are self-explanatory. Please help.

From: pe ramachandran [[protected]@yahoo.co.in]
Sent: Thursday, May 11 2017 7:49PM
To: "[protected]@hdfclife.com" [[protected]@hdfclife.com ]
Subject: HDFC POLICY No.19213553 dt.31.3.2017 in the name of P.E.Ramachandran

The Manager,
HDFC Life Insurance, Ltd

Dear Sir,

I had taken a policy on 31st March 2017 under the impression that I will be getting loan from HDFC Bank at 6.5% as informed by your agents in Salt Lake, Kolkata. Now after taking the policy I was waiting for the loan but there is no response from the agents. The policy No.19213553 was delivered to me on 13.4.2017. I had paid a sum of Rs.74, 999/- towards this policy from Punjab national bank and AXis bank. They insisted me that before the year ending of 31.3.2017, I must take this policy for availing the loan etc . etc. .

Now, I received a message from my banker, Punjab National Bank on 9.5.2017 saying that
"QUOTE
Mandate ref. PUNB[protected] issued to HDFC Life with value Rs.74, 9999/- and frequency adhoc is received today for processing. In case of any issue, please get in touch with your branch" UNQUOTE.

From this message, I came to know that the agents have taken my signature for standing instruction for payment every year without telling me the fact. On the contrary, they told me that I have to pay only for the first year Rs.75, 000/- as policy premium and not thereafter because once they give the loan this will take care of the insurance against the loan etc. Now when I recd this message from my bank, I am totally caught unaware on the wrong foot.. For your information, I have no interest in taking any policy in the first place, only I took this under the misguidance/compulsion of the agents saying that I will be getting loan at a cheaper rate, etc. etc.. Now I am not getting any loan nor any response whereas I have to pay Rs.75, 000/- towards this policy which I had no interest to take or go ahead with it.

Since it was a clear cheating took place, I would request you to kindly arrange to cancell this Policy immediately as I have no interest to carry on with it for 7 years by paying the premium every year. It was taken only because of loan promise from your agents, who have cheated me by giving all wrong promises.

Please help me to cancel this policy immediately and refund the money paid under false information given to me by the agents.

Sorry for the inconvenience caused and awaiting your reply at the earliest.

Thanking you,

Yours faithfully,

P.E.RAMACHANDRAN
[protected]
-----Original Message-----
From: pe ramachandran ([protected]@yahoo.co.in)
Date: Wednesday, May 17, 2017 04:31 PM
To: HDFC Life ([protected]@hdfclife.com)
Subject: Fw: 'HDFCSL=[protected]' HDFC POLICY No.19213553 dt.31.3.2017 in the name of P.E.Ramachandran

As explained to you in my trailing mails, I was forced to take the above Policy by giving wrong guidance by your brokers in /Salt Lake, Kolkata. They told me to pay only one premium(single) and then I will get loan from HDFC etc. It is a lie they conveyed to me and bluffed me everything.

I would, therefore, request you to please cancel this policy immediately and return the money paid to you at the earliest.

Thanking you, and awaiting your reply,

(P.E.Ramachandran)
[protected]

On Friday, 12 May 2017 5:10 PM, pe ramachandran wrote:

Submission of my complaint regarding the Policy No.19213553

Dear Sir,

This refers to my trailing email dated 11th May, 2017 regarding my complaint and as desired by you, I am giving below the details :

1) POLICY No.19213553 dt.31.3.2017

2) DATE OF BIRTH : 30/11/1965

3) PHONE NUMBER: [protected]

Please note that your brokers(Brokers house) at Salt Lake, Kolkata have contacted me over phone and forced me to take this Policy without giving the proper details and under false promise saying that they will provide loan at a very low rate of interest, etc.etc. They even told me that I have to pay only one premium against the loan amount as a security and after one year the premium need not be paid to HDFC etc and this first premium will be adjusted against the last instalment of loan repayment to HDFC. They have even bluffed me that I should pay only one premium against a loan of Rs.6 lacs which will be the security against the loan.

Under the wrong guidance given by your Salt lake house brokers in Kolkata, I took the policy as one time payment. Now I find that I have to pay for 7 years which is not possible for me and without knowing the fact, I was misled by the brokers in Salt Lake house, Kolkata.

I would, therefore, request you to kindly arrange to reimburse this hard earned money to me as a special case . This happened because of cheating took place ; otherwise in the normal course I would not have proceeded with this policy. This money was kept for my daughter's marriage, which is going to take place soon and for that reason only I wanted a loan.

Hence, please consider my request to cancel this policy and return the money.

Thanking you and awaiting an early response to my complaint.

Yours sincerely,

P.E.RAMACHANDRAN
[protected] .
On Thursday, 15 June 2017 3:42 PM, pe ramachandran wrote:

Dear Sir/Madam,

I have not yet received any satisfactory reply from your Company, although I was forced to pay Rs.75, 000/- by your unscrupulous brokers at Salt Lake House, Kolkata by telling all lies to me that " I have to pay only one time payment for availing loan from HDFC at 6% " etc. etc. and now there is no trace of their loan nor any response from them. I have no capacity to continue with this policy for 10 years paying every year .

Please arrange to return the money already paid as I was misguided by giving all false information and lies by your brokers. If your brokers had given the correct information, I would not have ventured into this policy in the first place. It was a clearcut cheating took place and I was taken for a ride by your brokers.

Please consider my request in the right perspective and arrange to return the amount immediately.

Awaiting your prompt response,

P.E.Ramachandran
[protected]

Hi Sir,

This is Pavan, I have some HDFC personal loan due amount(34, 199 rs/-) last year before Aug 2016 and I have HDFC salary account as well. I got salary and they hold 34, 199 rs/- in my salary account. I have called them HDFC customer care and they said because of your pending amount we hold this amount. I told them to release that amount to make payment of my personal loan due. they have released that amount and they...

I have taken Rs.60000 on my Credit card. It is being almost 2 years now in this two year I have almost made the payment of Rs. 100000 Lac and I had a settlement before 6 Months where the settlement amount was of Rs.43000. were in I fail to pay the settlement amount of 2 Months to the bank and they cancelled my settlement plan and now they are telling me to pay the entire amount of Rs. 70000 or else they are gonna have another settlement with me for the same amount . were in the whole amount that I have paid until now that amount is wasted . I earn Rs.20000 a month I have family responsibility on me . How am i suppose to make a payment . I know it was life's biggest mistake that i have taken credit card from HDFC Bank . Where the bank is just having loot . I cant afford paying more now . I m done. I don't make money to pay unwanted interest rates.

Name : Sharanvaibhav Shivgunde
Credit Card Number :[protected]
Contact Number : [protected]

I have taken rs.60000 on my credit card. It is being almost 2 years now in this two year i have almost made the payment of rs. 100000 lac and i had a settlement before 6 months where the settlement amount was of rs.43000. Were in i fail to pay the settlement amount of 2 months to the bank and they cancelled my settlement plan and now they are telling me to pay the entire amount of rs. 70000 or else they are gonna have another settlement with me for the same amount. Were in the whole amount that i have paid until now that amount is wasted.

Dear sir/madam,
This is yashwanth. Menei from hyderabad telangana. Still i have not received my pf settlement from company. I want to know whether the company has taken any step regarding my pf settlement..

The details of employer and me are given in the below mails.

Kindly do the needful.

Thanks ®ards,
Yashwanth. M
My emp id :ec no. Y01559
Call: [protected].

This complaint dates back to almost 45 days which HDFC have failed to resolve till date. Firstly my HDFC credit card 4854XXXXXXXX5365 was tried to be hacked and so got hot-listed in the back-end. So I was to be issued WITH a new credit card for which I agreed but my contact details were to be updated. Hence, I filled the online application and sent it to HDFC cards division in Chennai. As the address update took more than 15days I enquired and I get a response that my application has not been received. Then to this I sent the Indian post waybill number to prove that the concerned documents have been delivered. Then after seven days HDFC e-mails' me and states that I did not sign the address proof documents, for which I requested to send a snapshot to prove their claim as I remember to sign it for sure. In the latest development, I have received an e-mail on 29th June 2017 (e-mail reference [protected]) that my signature is a mismatch. From the above it is very clear that HDFC's effort to resolve such a trivial issue is null and they are just putting forth one excuse after another. Also, HDFC should call me on my mobile number while they can very well call me and disturb me with telemarketing offers. Is this your customer service program.
Regards,
Sandeepan Goswami

Sir my account no. Is [protected] name vartika pareek. I went to hdfc bank, vidhyadhar nagar branch, jaipur for account statement and for pass book updation at 4. Pm. The branch manager declined to cooperate by saying this that business hours are from 10 to 3.30 and his sarcastic way of talking was so pathetic. So please take some action.

Thnank you

Loan number[protected], Name - Sivarajan

EMI for July month could not be collected by the bank as there was no balance in the linked bank account. Hence, they have called and requested us to pay the same through Net Banking.
I have transferred the EMI amount + Penalty (Since there was no balance in account on collection day) to HDFC Pondicherry bank account.
I gave the Transaction reference number of the Online fund transfer to the HDFC Employee who called me. Payment was successful.
Next day, they have taken the EMI from the linked bank account also. Now, I have paid the EMI two times.
ONLY because the HDFC officer requested, we did online transfer. Next day it is being taken from our account also.
I don't understand why would they put me in such a situation ?
When I tried to call the number from which they contacted me, the number is not reachable. When I called the Customer care, they are mentioning that payment made is not reflecting in their system. And told me that, it might take 48 hours to realize the payment and then up-to 7 days to refund it back to me.
I'm very much dissatisfied with their approach and lethargic replies. I have another EMI to be paid from the same account to a different bank. This week, they will try to take EMI and then penalize me as there will be no balance left in my bank account.
I want to know what went wrong and a definite date or period for the refund of my money.
Thanks. Contact number - [protected]

I have a made fund transfer of rs 5000 from payzapp app to my saving account on 01-july-2017. Initially app show transaction get failed and money didn't credited to my payzapp wallet. Later it is showing the transaction success but money is not transferred to account. I made the three transactions (5000+5000+5000 rs) on that day, but payzapp has limit only two transactions (5000+5000) per day only. One of the transaction is failed. Transaction id:[protected], payzapp number: [protected]. I am not getting proper response. (Please don't reply like — transaction is success from payzapp side and get in touch with concern bank. — this is useless.) bank will respond only for your tickets. First confirm with your datebase team. Then please raise a ticket to icici bank or to customer. [protected]@icicibank.com. Please do it. Thanks in advance.

Hi,

I have used 15k on my HDFC CC and today they want me to make a payment of 70k, which is so disgusting.

I have been following up with HDFC for the past 6 months asking for closure of CC but there is no proper response till date, instead they kept increasing all charges and today they wanted me to make a payment of 70k.

This is completely ridiculous and they keep calling me 15-20 times everyday asking for payment. This is again a complete harassment. how could they call a person back to back.

Im ready to close my CC even today but will only pay for what i have used and not a penny more.
If you will not resolve the issue even now and keep dragging dont expect any payment in future.

Contact [protected] to discuss and resolve the issue earliest.

Hi team

I had applied for the loan on July 3rd 2017 with all the supporting documents. One Divya Venu was handling my loan application. Along with the docs, I had submitted the Salary certificate which the collection executive had told me that won't work. Only that work is the 3 months Salary Slip. And he said me, let him see whether what Divya says and she'll call and let me know. I started calling this girl every day to ask about the loan status and whether they accepted the salary certificate. She said yes and it was processed. But to avoid any delay I had sent the 3 months salary slip in mail id mariam.[protected]@hdfcbank.com in advance. Days have gone by. Every day I'm calling this girl like anything. The worst part is, she never called me by herself. It was me who was keeping on doing the follow-up. After 10 days I'm again getting a loan application no. when I called she said, the previous ones got rejected because I gave the salary certificate. Then why the hell they made me send the 3-month salary slip a long time ago. After 10 days again I tried to follow up, then she talks to me so rudely like she is GRINDING her teeth. Don’t these HDFC staffs know the etiquettes how to talk to their customers? No one takes a loan for fantasies, they face the issue and when they find no other way, they take the loan as their last resort. THESE STAFFS like DIVYA VENU from MG Road Kochi Personal Loan Branch spoils the name of such reputative bank like HDFC. Please don't recruit such unprofessional staffs. I want you guys to take a strong against her so that no customer faces such an inconvenience and no other juniors follow her footsteps.

I believe you will take a strong action against asap. Or else your bank recruiting will be blamed for any loss of a customer.

Hi,
I am akshay soni from indore, i have a salary account in hdfc bank. Last night i had made a payment of rs 1003/- on elitmus site via netbanking and screen displayed that session timed out but the money was debited from the account and not recived by them. Then i had to make another payment for the same. Please help me get my refund, i am not able to get to the customer care executive to register my complaint. Following are the details:
Name: akshay soni
Mobile: [protected]
Acc no. : [protected]
Date/time:[protected] / 10:00pm
Please look into the matter.

My name is e h h nath.
Account no [protected]
Credit card no [protected]
My contact no. Is[protected]
Mail id: nath.[protected]@gmail.com

As per your guidelines an attachment sent to me regarding my credit card statement should open by the first four letters of my name on the credit card followed by ddmm of my date of birth. Or first four letters of my name followed by last four digits of my...

Hdfc bank — cancellation of credit card

I am ram veer submit a complaint
Sir,
We hereby inform you that i am hdfc credit card holder having credit card no.[protected].
We already send mail & hard copy to cancel our credit card so many times but they ignored that matter & didn't even replied at once.
We request you to pl do the need full & oblidge in this matter

Thanks & regards
Ram veer
[protected]
[protected]@hotmail.com

Two transcations, one on 02/07/2017 for rs3353.65 and other on 03/07/2017 for rs3340.85 was done from my credit card ending with 5112 at google *colop. I have not made any such transactions. These transactions are fraud or mistake. I got my credit card blocked on 04/07/2017 and got a new credit card.
I lodged complaint to customer care and requested not to bill this amount. However latest statement reflects amount charged.
Kindly look into this matter and reverse my amount so billed or charged.

Sanjay kumar

I am constantly getting calls from hdfc bank that our loan has approved. I am not interested in taking loans. Despite informing them in each and every call to not call us regarding the loans, we are continuously getting calls. It is creating mental stress especially when we are expecting important calls. It is affecting us professionally and personally also it is creating lot of stress.

I am arunima silsarma, a credit card holder in hdfc bank which was attached with the salary account. Now presently i am not working, each month they sending an additional amount. I repeatedly called them regarding it, each time they promised to look after it, but no changes took place and the amount has increased. I will not the able to pay the amount and would like to terminate the credit card and the adjust the amount due.

I purchased some books in sapna books house on 11th july 2017. But while doing first transaction in cash counter the signal was improper in machine. Later they did card swiping again. But in my a/c amount deducted twice. The same i informed them. They told that 1st transaction will be refund from hdfc bank. But as of now i didn't received any refund.

Dear sir/madem, i am t. Saravanan from sankagiri, salem dt. Past year working for equitas finance salary a/c opening for hdfc bank my bank a/c no:[protected] from erode gobichettipalayam branch. But not usage this account. This branch demant account opening for without my knowledge. But till now our branch sent on message my mobile number account due amt for demat account on rs.1383. But i am not opening request for demant account. So last month june 20th give on cancel request to gobichettipalayam demant account manager mr. A. Anand. But he not give aknowledgement slip. But till now he have not sent cancel form request. Request form missing. But today ask for mr. Anand. Not irr-responsible speech. Its not my duty. Request form missing. U have give any complaint raise for me anyother higher authourity to hdfc securities. But now i am working for private company. Not give me leave unwanted. What will do?

Amit rameshbhai parmar and my account no is [protected], mithapur branch, gujarat. On 30th june 2017 hdfc bank had deducted rs 862 for credit card annual charges. But till date i am not activated my credit card and i haven't my password or not any usage. So without prior information and without usage how can they take the action. I want my money return in my hdfc bank account and not require your credit card. Please take back and refund my amount asap.

I