HDFC Bank Complaints & Reviews

As per RBI rule no private bank charges consumer for non-maintaince saving account. However today 19 May 2017 HDFC bank deducted 4084 amount from my account and when I told about rule and problems for which I couldn't maintain my account, they refused to refund as well as said there is as such no rule.

Kindly resolve my issue.

RBI my last hope!!!

Dear sir,
I am cust of HDFC bank since 2012 having salary a/c and credit card, All payments were regular and timely.but due to some family problem which has already intimate to bank, there was due of 57000 till 3rd may which I have cleared off.Only request you to continue my old card which has already requested grievance cell but not received any response till date.

Regards
Sarfaraz
[protected]

I have got the card sometime during Q3 of 2016 after so much of pushback from my side but went ahead with the promised statement that it would be a life time free card provided I make one transaction in next 60 days. Everything went fine till Jan or Feb 2017, where I have been asked to pay annual maintenance fee of Rs.2875.

I was literally shocked that organization like HDFC could not be trusted and called “n” number of times to customer care telling my plight. They have requested to write to Chennai address (Credit Card Division) to cancel my credit card with the reason ( I have written 3 times) and every time I just get a message saying that it has been not approved without any reason been given for all the three times. After each message I have called the customer care and I need to start from the first taking lot of time with the same resolution given, “ Please give a request to Chennai - Credit Card Division” to get the card cancelled.

I am really aggrieved that HDFC as an institution is having people who are mis-selling of the product and also having a poor customer resolution. I have reached you trusting that you would help me to solve the issue. I cannot pay an annual fees for the card which I am not using and also that the card or product has been sold to by misleading statements.

Can you please help to solve this request?

Thanks, have a nice evening!!!

Cancellation of One Assist Membership
I am a HDFC bank credit card holder . The bank has auto debited Rs. 1299/- from my credit card number ending with 2602 without my concern on date:15/05/2017. 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.1299/-

OneAssist Relationship Number : 2073857
Name :- Devendra Ramchandra Sawant
Mobile No. :- [protected]
Credit Card Number Ending :- 2602

Today i went to hdfc bank for a money transfer there is one employee who i requested to take my cheque but he shouted at me and saying bad words in front of everyone and that something i really dont like. He disgrased my honor and pride. I can give you whole infoe about him :-
Name:- abhishek vohra
Mobile no:-[protected]
Bank:- hdfc
City:-gandhidham

I am a non resident, and had visited mumbai for two days in end of february. I was approached by hdfc life executive for a term plan.

I had clearly informed him that i have only one day, hence if he can get all the medicals and formalities sorted out within a day, i am ready to take the policy.

Hdfc life then sent me an email for an appointment with appollo hospital for a list of test on the very next day.

I visited apollo hospital and conducted all the tests that was required giving a clear medical history. An infection which was seasonal was also informed to the doctor and doctor confirmed it was not required to be mentioned in the tests etc.

The premium installment was withdrawn from my account.

I proceeded back to uae, and the ordeal started.

I received an email that i need to conduct further tests at mumbai. When i spoke with the hdfc life personnel, he informed that when i was sent the first list of test, hdfc life personnel forgot to include the other tests that were now being requested. I told him clearly that i am not returning to india any sooner and was asked to submit the entry and exit pages of my passport to confirm i am not in india.

However, inspire of clarifying this, the emails and letters to my residence continued and all my representations and information fell on deaf ears.

I gave hdfc life a complete description of the situation, still i kept receiving emails with fresh and different requirements for medical tests with appointments at apollo hospital for the test.

Finally, i have received an email from hdfc life stating that the policy is cancelled.

No explanations or clarification was provided by hdfc life when it was the mistake of hdfc life to have missed out on the medical tests in the first place. Inspite of confirming to hdfc life that i have never undergone any of the tests listed, they repeatedly kept harassing me for further tests, when it was the hdfc life officials at faults for errors in initial medical request, and understanding of the situation.

I have still not received any refund for the premium paid, nor an explanation for the lack of systems and procedures and finally it is us, the customer, who are harassed for poor service and understanding of the companies.

I will be pleased to forward any further details that may be required and can be contacted at saket [protected]@gmail.com, although i do not expect hdfc life to even acknowledge or respond having a first hand experience of their poor service.

I am having credit card of no-4192. I was made a phone call to costumer care of credit card on dated 19.5.17 at 10.25 regarding my payment of bill. The customer care service agent named biswajit receive my call and explain a medical plan. He hold my call many times and he does not explain my all relevant questions. After some time he transferred my call to another official named nityanand but he also take my call on hold for some time. Due to my convenience i disconnect the call. After some time biswajit call me a land line no but i disconnect this due to attened the other emergency call. Then after he call me twice and threatened me that why are you put my call on block list, i can block your card within second. You have no truecaller? Why you have no true caller and many more in a rude voice.
Is your customer care boy sitting here that talking with customer in this type. He argued me and misbehave me after i said that i make a complaint against you but he said no problem, youcan.
If a customer call to customer care and then he threaten to block his card why any one call to. Pl take a severe action against this customer care boy..

मेरे चाचा जी HDFC के एटीएम पैर CASH निकलने गए, (ये एटीएम दरभंगा ज्योति रीसर्च हॉस्पिटल के परिसर में है), जहाँ कोई सिक्योरिटी गॉर्ड नहीं था. वहां 2 लड़के एटीएम रूम के अंदर ही था और मेरे चाचा जी का एटीएम कार्ड बदल कर इनको दूसरा कार्ड दे दिया.. कुछ समय बाद मेरे चाचा जी के एटीएम से 40 हज़ार का निकासी और 40 हज़ार का एक दूसरे AC में ट्रांसफर कर लिया गया और 2 हज़ार का शॉपिंग किया गया.

Dear
Daily i am getting calls for credit card and personal and daily i m saying that i am not interested but again i am getting calls. I am literally fed up with customer care calls and if i continue receiving calls i will end my account with hdfc.
I don't understand if someone need a personal loan, he will directly contact the bank. What is the sense of calling the people for taking personal loan.
If my issue is not addressed, i will stop hdfc service and will ask my friends as well to do the same.
Deepak amera
[protected]

Sub: Complaint regarding cheating and fraud by HDFC life, in issuance of Insurance policies..My complaint is against HDFC life insurance which is using unfair practices/cheating and fraudulently inducing the gullible public to take their insurance. They have their agents( cheaters ) who fraudulently find persons whose insurance policy of some company has expired and induce them after promising lucrative returns to take HDFC policy. In my case I had taken ICICI Pru policy in 2009 which lapsed in 2011. These agents of HDFC with mobile nos. [protected] who claimed himself to be from ICICI pru named Siddharth Handa, and one who claimed himself to be Ranjit Malhotra mob no. [protected] from IGMS, ( both mobile nos. from Mumbai )induced me to take 2 policies of HDFC life for Rs 45000/- each totaling Rs 90000/- during May/June 2016, said these policies will be got cancelled by them and I will get a benefit of Rs 219000/- approx from my lapsed policies of ICICI Pru. This happened in April/May 2016 & I bought the two policies from HDFC. They told me to answer all queries/calls from insurer etc and not to disclose anything these two persons to them.
Similarly, recently on 13.12.2016, I again received a call from mobile no.[protected] claiming herself to be from ICICI and told me that on Pratibha Sharma mob no. [protected] ( both mobile nos. of Delhi), Pratibha Sharma Sr Mgr ICICI prud will get my policy revived and assured me benefit of Rs219000/- approx if I take policy from HDFC life. This call was received on 13.12.2016.
So the modus operandi is defrauding and inducing persons to buy HDFC policies by cheating. They take details of lapsed policies and contact of persons, and induce them to get policy of HDFC fraudulently, promising them high returns ( bonus etc) from lapsed policies. Subsequently once HDFC policy is issued, they do not get these policies cancelled as promised earlier, and further ask the persons to take more policies from HDFC to get back the returns from lapsed policies.
Once they have cheated one person and in all likelihood, these impersonators are cheating other gullible policy seekers/holders, when IRDA and Govt of India wants to check frauds being committed by impersonators. In my complaints HDFC has not bothered to take any details from me and have arbitrarily and unilaterally closed the complaints. HDFC should have got the following details investigated regarding the mobile nos. provided to them
1) Name of person in whose name SIM card was issued,
2) Call details of the mobile nos.
3) Should have contacted the persons called from these nos.
4) Checked the details of policies issued if any to the persons called from these four mobile nos.
5) Talked to the concerned persons and verified if the have also been cheated by them
6) I had also written to HDFC that I have recordings of such calls, however they never bothered to contact me in this regard.
7) Verify & check from HDFC representative, by name of Ameen Azad consultant code: 00524963, who came for insurance to me after about 2 hours from the call from Siddharth Handa & got all formalities completed for issuance of insurances of HDFC to me.
It is requested that the complaints should not be forwarded to HDFC for investigation but should be investigated by an independent agency.
The complete details of the complaint are as under;
I have been defrauded and cheated by a gang which is operating from Mobile phones and which has a nexus with the HDFC Life .I describe herein below the sequence of events, as to I have been cheated, defrauded and induced to take two policies of HDFC Life by this gang of con men and cheaters;
1. During April 2016 I got a call on my mobile that I had purchased a life insurance policy no. during 2009 from ICICI Prudential and that policy was issued thro’ one Siddharth Handa who was the realtion ship manager with ICICI branch at sector 9. Chandigarh.
2. I was advised that since no premiums have been paid on the policy subsequently, the policy has lapsed and same can be revived now, however certain formalities have to be completed now for revival of the policy. In this context he further advised me to contact Siddharth Handa on his mobile no. [protected] & told me that he is now posted with ICICI Prudential Insurance at Mumbai.
3. When I contacted on mobile no. [protected] as mentioned above a person answered & claimed himself to be Siddharth Handa and said that earlier he was posted in Chandigarh & now he is posted at Mumbai ICICI Prudential & said he is now posted in Kandivali west branch of ICICI. However he refused to give his Land line no. and e-mail address.
4. He further advised me that since my ICICI policy has lapsed, it can be revived, as per IRDA guidelines for which I have to take an insurance policy of same amount from some insurance company. He further told me that the new policy should be of same amount as per earlier lapsed policy. In case I take a new policy I shall get the bonus and the amount of Rs 150000/- shall be paid to me by ICICI prudential.
5. Accordingly I said I am ready to take a policy of ICICI, however he told me that since he is with ICICI Prudential, & he will be suspected, I should take policy from another company.
6. He also told me that he knows somebody in Delhi Office of HDFC life and he can get the person sent for giving the HDFC policy. He further said in case I take a policy of higher amount i.e Rs 90000/- premium, he shall get me enhanced bonus & total amount shall work out to around Rs 2.25 lacs payable to me by ICICI Prudential.
7. He also told me that subsequent to taking policy from HDFC, I shall receive a call from IRDA/HDFC asking me if some bonus has been promised to me by some company then I should reply saying no.
8. He further said after policy is taken from HDFC he will get the policy cancelled from HDFC since as per IRDA policy can be returned and cancelled if customer desires so. He said leave it to me to get the policy cancelled.
9. Accordingly in the same evening, after about 2 hours the HDFC representative, by name of Ameen Azad consultant code: 00524963 came to me to get the policies issued . He also confirmed that as promised, I shall get the surrender value of my ICICI policy as promised on telephone . I did not suspect him as he was from HDFC .
10. Accordingly I took two policies from HDFC life for Rs 45000/- each in my name for a total premium of Rs90000/- per year policy no 18521155 dt 1.7.2016 and18523797 dt 29.6.2016.
11. After I had taken the policies he took the details and said he has put up a note and after approval of IRDA the amount of Rs 2.25 lacs shall be paid to me and after that he will get the two HDFC policies returned and cancelled from HDFC.
12. However since the amount of Rs 2.25 lacs as promised by him from ICICI was not paid to me I kept on calling him, & hr told me that I shall get a call from IRDA to approve my case and ask ICIC to pay the amount to me and subsequently he will get the HDFC policies surrendered.
13. After this I got a call from mobile no.[protected] from some person claiming himself to be some Ranjit Malhotra from IGMS . he told me that he is an officer from IRDA, IGMS and my file has been put up to him for approval for payment in regard to my lapsed ICICI insurance policy. He also gave some options and told me to take one more insurance so that I may get the payment. I got suspicious and checked the identity from true caller software which showed his name as Chagan Masa Mumbai. He could not give any satisfactory reply on this.
14. After the I again approached Siddhath Malhotra on his mobile no. and told him that your appear to be a fraud and you are cheating me. However he again told me to take one more HDFC life policy for Rs11700000/- premium and he assured me that he is from ICICI Prudential and he promises to get me the surrender value of ICICI policy alongwith bonus.
15. Subsequently whenever I have tried to contact both mobile nos. [protected] & [protected], I get the message that “this no. can’t be reached right now”.
16. I have been defrauded and cheated by these persons using their mobile nos. [protected] & [protected]
17. Moreover the have a nexus HDFC Life, since only after 2 hours of my conversation with him from Chandigarh, he could contact the agents at Delhi and get the representative Ameen Azad sent to me at Chandigarh

18. HDFC life did not bother to contact me to investigate the matter further, rather the sent a stereotype reply that they will investigate and get in touch after 15 days.
However, they have forwarded my complaint to their brokers against whom I have complained, since a person claiming himself to be from SMC insurance brokers contacted me on my mobile on 7.10.2017 and started enquiring about my complaint. He rang me up on my mobile from Land line no.[protected].
I told him that I had not sent the complaint to them, to which he replied that HDFC life had forwarded the complaint to them to investigate.
I fail to understand what sort of Fraudulent and unethical practices HDFC life is following, since rather than investigating the fraud, they forwarded the complaint to the party against whom I have complained, & that person told me that I am following unethical practices and I should cooperate .

Hi,
This is Kasturi holding HDFC bank salary accounts, 1 in Madhapur, Telangana (xxx1144) and 1 in Malad, Mumbai(xxx7589). As I'm unemployed, so there is no salary credited since September 2014 in Madhapur branch and since April 2016 in Malad branch. I was unable to maintain the required balance due to financial crisis. HDFC bank has been continuously charging Rs. 345 and Rs. 690 without prior notice since longtime. If nonmaintenance, account should have been closed by default or should have been given prior notice. The negative balance has reached to a large amount by now and I'm not in a situation to pay. This shows that HDFC bank doesn't allow the customer to use their own money in financial crisis. HDFC bank can't use customers for their own profits. My previous salary account in other bank has been closed after 6 months by default due to nonmaintance. Why is this difference in HDFC and other banks. HDFC has been looting unemployed people having salary accounts. Morever, I have never been credited any interest by HDFC inspite of maintaining large amount, so I'm forced not to deposit any money. Hence, my only request is to revert back the negative balance and I'm ready to close the account asap. If my problem is not solved, I will never be able to use HDFC bank account in future and I will make sure neither my family nor my relatives have any HDFC accounts. HDFC bank has very poor services I have ever faced in any other banks. Hope, my problem will be resolved asap.

Please note that i applied for hdfc credit card and got reference no : [protected]s1
I got all verification done at my office and residence too. I got multiple calls at office too for verification. Today got a mail checked in hdfc link showing track your card application. Found the reason as follows. Application reference number [protected]s1status disapproved who called us for credit card and we never gone to hdfc for the same. Your executive called and i had requested from online we given all papers and verification also done positively. I called customer care and they are not giving any reason for rejection
As per rbi guideline circular no - rbi/[protected]/100 bod. Fsd. Bc.23/24.01.011/2008-09 dated[protected]. Hdfc bank should give us reason or else we also file complaint in rbi and bank ombudsman. We want reason for rejection as it will hit my cibil. My cibil is good 717 and i got personal loan too on same address then why it got disapproved. Iam using sbi & citi also from 6months. Please suggest me what is next process. And where exactly my application got disapproved. Hoping positive response.

I buy a laptop and i got through EMI from HDFC bank.the merchanter got my bank details and give laptop with the credit card. and he told, bank will link your EMI with credit. 6 months they never link the EMI with my bank account.every time i pay total amount about 10, 000 to 15, 000 as interest itself. I went to bank.they told, you pay lump amount so interest will get reduced. on the end of jan 2017, i paid 10, 000 as lump amount of 12, 000. rs.2000 was remaining. I send an E-mail why you didn't link with EMI. its your mistake i have already paid the amount.I don't have money and i can't pay like this again.

The collection team will say, we can't anything.I have send so many e-mails. I get only automatically reply from them. nothing else. Now they increased the amount with the interest and asking me to pay the total amount.

Why i have pay like this? its the bank mistake, not to link the EMI with them.

when i call to the tele banking.. they say, their no feature available for purchase? then why i have to buy something through credit card.

they told, its a life time free card. and they deduced some amount as fee for credit card.

after having a conversation, he is saying, we will reduce the payment for credit you pay the rest of the amount.

what you people are thinking? one guy who issues the credit card saying one things ? after issue of the card, other person from the same bank says other things. what is this?

I have just received a credit card No. 4639********4618 on Davinder Singh [protected] and [protected]
I had not opened the envelop yet means I had never used the said credit card.
On 18/05/2017 I received a SMS from HDFC Bank that a payment of Rs.1299 is pending to be paid before 05/06/2017
When I requested for Credit Card I was told that It is Totally free for whole Life By the Bank Staff of HDFC Bank Railway road Jalandhar.
Now I cannot understand that what kind of Payment is pending to be paid .
I donot need such Credit Card.
Either check and send me SMS about NIL payment oR otherwise I donot need Such Misleading Cards
Davinder Singh Arora [protected], [protected]

Respected Sir,
There is a transaction of Rs.408.00 debited to Reliance communication on 27/4/2017. I have not done this payment and OTP has also not been generated and received on my registered mobile no. [protected]. Payment debited SMS also has not received on my mobile. Payment method for this transaction is showing as HDFC Internet Banking and amount of INR 408.00 has been debited from my bank account.

I contacted Reliance customer support and they told me there is no payment updated yet and they haven’t received this payment. You may contact your bank.


Details of transaction are as follows –

Chq/ref. no.[protected]
Debit Account Number - [protected]
Debit Branch - Ajmer
Narration – IHDF[protected]BILLDKRELIANCEPAYMEN
Transaction Date - 27-APR-2017
Transaction Amount - INR 408.00

Bank statement is attached with this application. Please look into this matter and credit amount in my account as soon as possible.

Regards,

LOKENDRA SINGH
S/O PREM SINGH 735/43, NAI BASTI,
BHAJAN GANJ BEHIND HOLI FAMILY HOSPITAL,
AJMER 305001.

Sub - for the mis-selling against policy num[protected]
Dear concern,
I would like to inform you that i have received a call on behalf of hdfc life on 12 feb 2017 in which mr. Kapil told me that he provide me loan against policy of hdfc life.
Dear sir, he is totally misguided me against purchasing of this policy, after this conversation mr. Vinod dixit of kanpur branch meet me and i give him a cheque of amount 45000/- of state bank of indiaa, sanigawan branch dated 17 feb 2107, the cheque num is 106436.
Dear sir, when i have received the policy document of your company, they have convey me that after few days this policy document will be cancelled and my money of 45000 is return in my account and they have given me a letter of aditya birla finance in which he mentioned the sanctioned loan amount, same was attached.
Dear sir,
They have totally misguided me, please take the action against your advisors and return my money as soon as possible.

I withdrawal amount of rs.1000 atm machine the bank of maharashtra the dated 18/05/2017at 6.30 am from hudkeswar branch nagpur use my hdfc atm card but money not get to me and massage received me withdrawal of rs 1000 then again i check ballance the money will deduct my account if should not get the money from atm how will deduct my account no.[protected] nagpur branch please do something sir and get back my money in my account thank you

Dear sir,
The complaint is about the unwanted transaction of rs 5.75 without any reason.
It happened so many time, i was ignoring initially but it still going on, i want to know whats the reason for this deductions?
I am attaching the screenshots from my bank statement.

Withdrawal5.75
Cheque/ref no.4
Narrationimps p2p[protected]#01/05/060517
Value date17 may 2017

Withdrawal5.75
Cheque/ref no.7
Narrationimps p2p[protected]#26/03/290317
Value date01 apr 2017

Withdrawal5.75
Cheque/ref no.5
Narrationimps p2p[protected]#18/03/230317
Value date29 mar 2017

Withdrawal5.75
Cheque/ref no.1
Narrationimps p2p[protected]#28/02/070317
Value date15 mar 2017

Withdrawal5.75
Cheque/ref no.
Narrationimps p2p[protected]#17/02/200217
Value date10 mar 2017

I recently shifted my banking needs from SBI and HDFC thinking that HDFC being private back provides much better customer support. This apparently a bad assumption and rules and regulations are worst among the all banks I dealt in my life across the globe. I never had any issue depositing checks in to my account by any payee for any of my bank accounts except HDFC. First they stopped me depositing my my check form her HDFC account to my HDFC account and they asked me to submit email. Now same HDFC stopping me to deposit my rental income to my account and required me to submit some stupid email which I already did few times. What is the meaning of banking? why do you guys put restrictions to my account for deposits? I never hear any banks in USA or India stopping the deposits. I had enough and would like to go back to SBI. I regret my self dealing with HDFC.

Hi, My outstanding amount was 10, 000 and My credit limit is 35000. I bought regfrigirator and mobile, My total EMI was 3000 that was paid every month. Unfortunately I left my job as I was physically ill and skipped two installment.

HDFC Representative called and asked me to pay my outstanding that was 10, 000. When I deposite the amount online, my outstanding was 33000. I've called to HDFC bank and report this issue but they said now all the EMI was cancelled and now you have to pay 33000 and there would be only 2000 credit limit.

Now they increased there amount to 46000, don't know what to do and they sending me email stating to pay this amount immedeatly .

I request you to please help me out, I really don't know what to do as I'm jobless .