HDFC Bank Complaints & Reviews

In November 2016, I took a home loan from HDFC-Trade Centre, BKC, Mumbai.(acct no[protected] At the time of taking home loan, I was explained two options for interest rate i.e. Fixed rate and Floating rate.In Fixed rate, interest rate was to remain same irrespective of prevailing market rate while in Floating rate, interest rate will be the prevailing interest rate (which is applicable to new customers).
At the time of disbursement of loan we were asked to sign agreement, wherein interest rate was linked to Retail Prime Landing Rate(RPLR) .On asking, it was explained that this is the rate which HDFC charges for purchase of various consumer goods.For Home Loan, rate is lower by 7.15%, which is known as Spread.We were assured that interest rate chargeable to us will be the one applicable to new customers.
After one or two months, rate came down to 9% from 9.15%, benefit of lower rate was extended to me. After few months interest rate came down to 8.5%.I assumed benefit would have been extended.However after few months, I realized that I continue to be charged 9% (and not the prevailing rate of 8.5%).On checking up with HDFC, I was told that Spread has increased to 7.65% and RPLR continues to be same and hence i have to pay 9% as against 8.5% applicable to new customers and if I want benefit of higher Spread, i should pay Conversion Fee.As the differential interest was more than Rs 1000/per month and HDFC had already collected for many months., I paid the Conversion Fee of Rs 500/.
After a month or so, Home Loan rate has come down to 8.35%.Benefit of this lower rate is not being extended as HDFC instead of lowering RPLR has increased the Spread to 7.80%. I am required to again pay Conversion Fee and that also Rs 2850 as against Rs 500/ paid last time. Rs2850/works out to differential interest for 7-8 months.If HDFC decides to increase the spread during this period, I will be required to pay Conversion Fee again and perhaps still higher amount.In effect, will be
Above is pure cheating by HDFC. Floating rate is not the one which is prevalent rate of HDFC but a higher rate decided unilaterally by HDFC.
RPRL is defined in Article1 of the agreement.However term Spread is not defined in the agreement(though used in Article 2.13).Agreement does not spell out method of computation.During discussion at the time of signing, i was told that floating rate will always be the prevailing rate.However in reality, floating rate has nothing to do with prevailing rate and every few months I have to pay additional amount in the name of Conversion Fee.
I took up the matter with HDFC without any fruitful result.

I hold a HDFC bank credit card, platinum money back card [protected]. I had registered for smart pay for LIC with credit card on may month for amt 10, 522. I had already paid the last premium on April to LIC but after registering with smart pay on may month again the premium was paid by my credit card to LIC. Knowing this I had called customer care the very next day and informed about the payment to LIC and asked to cancel the smart pay and asked for a reversal.However the smart pay was cancelled immediately but my request to reverse the LIC transaction was just negotiated. Finally my bill also was generated with entire amt. We kept on calling customer care and asked them to raise a complaint regarding this. The persons just kept on telling we would get reversals before the payment date, but when we called on 3 days before payment date one lady said there was no complaints registered nor a history of phone call seen in our records. We were shocked to hear this and explained the entire story to her and then she had registered a complaint and I have paid 730 rupees as miNimum due to release my card. I am shelling out money from my pocket due to your bank customer care negligence. When I contacted your customer care on July 1st the response is same and we have been asked to pay the entire amt to clear the bill. And the most hectic part is we need to explain the whole story again again to anyone who attends our call. Its not the right way to treat a customer like this. Nevertheless I have skipped my bills so far in past 3 yrs. Now my problem is I couldn't find any development in my complaint and 5th July is my bill generation date. Hope my LIC payment is reversed and as soon as possible. We had got cleared records from LIC staying it's mistake from HDFC bank and not ours. We need a proper solution to the problem were the mistake from our side is nil. Hoping for the best.

I purchase policy hdfc life uday with amount 12451/ from agent umesh Jaipur .But i received policy bond after one month on dated 03/04/17 .Due to less interest rate and long timing period i want to cancel this policy .I call at customers care of life and they suggest go to hdfc branch when I went there hdfc life representive he told me I only process the policy and I can't take cancellation request you go to another hdfc life main branch .so I totally disappointed from service of hdfc life representive. .

Dear Sir/Mam
I am visited my home branch (Nayabazar Branch Siliguri) from last month to till toady 8 times but i cant update my passbook due to customer service mam MRS. Sarmistha is not present at that moment every time or she is busy unable to update passbook. Same i was visit today she is not in branch and at that moment Ast. Branch Manager told me she was in outside due her medical issue and Ast. Branch Manager behaving with rudely and using abusive language in front of other customer and told me close the ac or transfer to other branch. Please check his behavior in Video footage 11.30a.m to 12.00 Ppm on 4th july 2017.

I made a recharge to TATA SKY - 735 RS from PAYZAPP, it has been failed and i immediately informed to customercare. They said it will take 7 days to refund if failed. The transaction happened on 19th June, Still iam waiting for refund to get it process to my wallet. I am continuosly trying to reach Customercare, but the number looks to be not in use or they have blocked my nymber to call them. They are not caring for customers and their feelings. Thanks to sue against them.

- [protected]@gmail.com

Personal Loan settlement HDFC Banks

I have taken up a personal loan 50000

Both loans were or 12 tenured months, HDFC was for a monthly EMI of Rs.4533.00

I have paid the loans for bank till march

I have not been able to pay up since then, due to no JOB and back up.

I am facing major financial crisis due to family reasons, my dad had paralised attack and also m searching job now, my all family responsibility is on me now, So I want to know if there is anything I can do to settle this loan for a much lesser amount.

I also had a HDFC credit card with a due of 36 k

If you can please advice me the steps I need to take to get out of this loan problem.

I will look forward for your reply.

Many Thanks.

Hello,
I have paid amount Rs.- 4113.95 to my credit card through billdesk.
This is amount is debited from my SBI account. But I got the following failure message.

Dear Customer,
As requested by you, please note that the following payment was declined while processing through BillDesk:
Company Name: HDFC Credit Card
Card No: xxxx xxxx xxxx 9012
Payment Amount (Rs Ps): 4113.95
Payment Date: 1st July 2017
Payment through: State Bank of India
Transaction Identification Number: JSBI[protected]
Please quote your Transaction Identification Number for any queries relating to this request.

Please look into this asap and refund my money.

I need clarification as why my account got debited the 3rd day from my bank even after cash payment was made within the given time frame?
I am charged 13, 308 inr for the car loan, why am i getting only rs.12, 675 refunded in my bank account, what about the 633rs?
Also, i got the sms as on 2nd of july stating that hdfc has refunded rs.12, 675 in my bank account on the 28th of june, which has not actually reflected in my bank of baroda statement of my account.

Using hdfc payzapp app i tried to recharge my tatasky account but twice i failed to recharge it and till date neither my money is refunded not iot is credited into tatasky a/c.

In past also it has happened multiple time and almost everytime i face issue. Even after 2 weeks i am know aware where my money is?

Attached are two screen shot of of hdfc payzapp where money is deducted.

Persons who are dealing loans department at Ongole branch are really having no knowledge on the processing and required documentations. A person named Chandu has miss guided us which lead to rejection of my loan. These private banks call us daily to take loans. When it comes for processing no one responds. They're not even receiving calls after the application has been submitted. Even the verfication is not done properly. They had miss communiction with security people and gave wrong statement. This is worst experience i ever had with any banking sector.

My account no-[protected]
Hdfc - model town rewari.
From my account rs 2227 & 510 aprox amount has been deducted. The image file is attached of the transaction done.
It seems that amount is deducted by the bank only and not withdrawn by me.

Want to know the reason for what bank has deducted that amount.

I was trying the customercare number but its not working.

Kindly resolve my problem.

To,
The complaint cell hdfc bank ltd.
Sir/ mam.
The hdfc bank of. Mohammadi lakheempur kheri u. P. 262804. Has opened many acc. Of teachers of school. Uma devi childrens academy mohammadi kheri up. The bank has not providend the acc. Detail to the teachers. These acc. Are being operated by the school manager. All documents like atm, pass book, cheque book are handed over to the school manager. I asked the branch manager to provide me acc. Detail he replied that you take from your school. But no one is providing bank detail. You can check the acc. Of mr. Sanjeev kumar pandey (Pgt english) and virendra avasthi (Pgt economics) are active but the detail is not with the acc. Holders. So pls you intruct the bank and take appropriate action against the bank.
Tanks.
Your sincerely.
Bank add.
Hdfc bank ltd.
Gola road mohammadi kheri up. 262804.

I have recharged my docomo sim for 50 rs through hdfc netbanking (I tried four times) and tried my ideal sim for 20 rs. But the recharge amount is not credited. I thought there was a network problem. I was in a bit urgent.. All the times the recharge amount only debited from my account. But there is not recharge happened. Finally i went a recharge shop and i recharged my phone. The ref# are[protected],[protected],[protected],[protected],[protected].. I have contacted the hdfc customer support through web forum. But i was really disappointed with their reply towards my concern. They are asking me to contact bsnl customer care. So i thought this is the best way to communicate with them. If this issue is not resolved, i am going to change my bank for sure.

Hi My Consumer Id is 43732806.
Rs 5000 has been debited from my saving account without my consent to open RD. Pl credit my amount. I don't want RD account.
Who has given the right to open the RD account without my Consent. I want complete action against such type of activity. Even Bank not provided their branch no to contact. Pl resolve my issue immediately...

HDFC Bank deducted balance in my current account last ten months. I'm complaint so many times to branch manager. He said continuesly reverse a charges but till now no balance reverse. And now branch manager said, firstly upgrade your account than we will reverse the charges. And now they all talked very rudely. Finally Branch Manager saying we will nothing to do anything for this matter. Branch Manager name - PARAS ARORA Branch HDFC BANK - 3 ANSARI ROAD SAHARANPUR.

I have used the card in outside India. After getting card statement I was surprised. They have charged 3.5 % additional charges on all Transactions made outside India .this is not corcet & Other banks are not charging like ICICI /INDUSIND.
I have made complaint & escalated but so far no proper reply.

Such additional levvy on customer is not justifiable. It should be sorted out.
But no proper reply from HDFC.

I am sudhanshu sharma holding a salary account in hdfc bank and on 27th june at 9:13 to 9:24 someone done 6 transactions to indian railways worth rupees 32300, i however filed an fir with cyber crime office noida sector - 6. and filled the customer dispute form. i have blocked my card and account on the same day within 15 minutes of the fraud incident. i never shared my password or account details to anyone in the past. and still i am victim. i have emailed to each and every department of hdfc whether it is board of directors email id or [protected]@hdfcbank or grievance redressal email id. apart from it i have also raised this issue on twitter and facebook as i have lost my hard earned money and want to get it reversed as it wasn't my fault at all.

Complaint number is mumc[protected]. my mobile number is [protected].
Account number [protected]

Request you to further assist me on what investigation you are doing otherwise i will file this case to ombuds

Hi,

25 days back I lost my credit card, I blocked it through net banking, now still didn't receive my new credit card. I tried with many time with phone net banking. they are asking my credit card number. how can I provide them this? when I don't know. my last payment due date was 30/06/2017.

please help me on this

Thanks,
Ajay
[protected]

HDFC bank is deducting charges from my account without any information. They never informed before deducting charges from my account. I checked that on June 16th 2017 and found charges of Rs 1814, so I wine to bank Andy talked to Sheetal and she promised me refund for same but till today there was no refunds so I went to bank again to talk and he Manager Pawan over there talked so rudely to me..
Bank is HDFC Bank, sector 11 branch, Panchkula.. Haryana

Here iam writing this complaint against my life insurance policy.

From November 2016 onwards your colleagues(Mr. Subramanyam, Ms. Nisha and their team)([protected], [protected], [protected]) I received calls for life insurance and they promised me that amount will be credited from my credit card on monthly EMI basis, based on their confirmation, I submitted my documents on December’2016 and requested them to process and in...