HDFC Bank Complaints & Reviews

To,
The Authority In charge
HDFC Security
Indore, Madhya Pradesh

Sub:Intimation of Notice for filing Complaint at SEBI Complaint Redress System (SCORES)

Dear Sir,
Under the instructions of my lawyer I have been directed to send you this 2nd time formal intimation of my intention to file a complaint against your company using SCORES portal and to
File a criminal case in local police stations for the alleged crime of cheating and criminal breach of trust alongwith other charges.Kindly settle my grievances in a peaceful and amicable manner in order to avoid unnecessary legal course of action.
I have incurred a loss of 6, 000/- rupees without any just, proper and reasonable reason. My Demat account has been opened but No one representative has visited my address as promised to deliver services, Due to your terminal issue I'm not able to trade, in manner of fraud This is 2nd time I've intimated to you.
Kindly appoint a authorized person to deal my issue in person.I have been undergoing under a great financial crisis.I am hopeful that company will consider my case with positive mindset .
Thanks in advance.

Yours Faithful
Ramnarayan Sharma
Trading ID : 2973645

I was told by hdfc representative that without incurring any cost my home loan can be switched from icici to hdfc bank. From current high rate of interest to 8.5%. However before sanction letter processing fee cheque was demanded, as a formality and commitment of getting it re-reimbursed in first installment.
After sanction letter they have deducted money, many more papers were asked, and after 3-4 months cheque was prepared now they are asking me to pay mortgage charges, and for that i will have to go to mumbai where property is located, (Which was not told in the beginning). It is causing me trouble, difficulty, inconvenience, and costing me high. And all because of mis-leading/wrong communication. I would have changed roi by paying minimal fee to icici and could have got reduced rate of interest (8.5%) 3-4 months before

Hi I am a prime customer for hdfc bank holding a salary account in itpl branch bangalore.
My customer I'd 41973942
Email, [protected]@gmail.com

Recently I got msg that my debit card need to be replaced for chip type with free of cost and on other hand due daily usage wear and tear the card got damaged.
On hoisting and reissuing hdfc has charged 230 rs. Even though it's not a big amount but hdfc has charged for a prime customer. I feel it's not fare.and also the card has not been upgraded. Request to return the amount back to my account and replace the card with upgraded one.

श्रीमान जी निवेदन है कि मेरे मित्र मनोज गोदारा खाता HDFC की शाखा रावतसर में खाता नम्बर [protected] विगत 2 वर्षों से है ।
श्रीमान जी दिनाक 7 अप्रेल को में मेरे खाते में रुपये जमा करवाने के लिए बैंक की शाखा में गया तो वहां पर कार्यरत बैंक कर्मचारी ने 10 रुपये के सिक्के लेने से मना कर दिया व काउंटर से उठकर बाहर चला गया इस सम्बंध में मैने बैंक मैनेजर से बात करनी चाही तो उन्होंने भी बात करने से मनका कर दिया अतः आप से निवेदन है कि भारतीय मुद्रा का अपमान करने वालो के खिलाफ कार्यवाही अमल लायी जावे।

I was sending money into my account no using payzapp. It was not credited in my account. But the amount was debited in payzapp. This transaction done on 25.04.2017. But still i cant get my money in my account or payzapp app. I am checking everyday. But still it was not refund any account. Kindly solve this issue. This is first time i faced this type of problem.

I got call from [protected]. This person introduce himself from hdfc life insurance company. He told me about interest free loan against hdfc life jeevan samruddhi policy plan. He is telling me he is senior manager of hdfc life insurance/loan dept. He told me about and convinced me fully on it.

By several follow up with these people they convinced me to get 10 times of loan of insurance value at 0% interest for ten years. Ie-if i will paid 50000 then hdfc will give rs 1000000 for 10 years with 0% interest and benefit of insurance policy will go to hdfc life.
First it sounds good to ear and any one will attract to it. But be aware of such type of calls

Beacuse they are frauds... Hdfc as brand has become fraud

With the help of this forum, i would like to tell all people to not faith on such type of calls /offers.
These people are third party vendor working for these banks and getting commission on each sell of products.
Please be aware of such type of calls. One of my friend who has already taken a policy and he didn't get any loan after that.
Now he is looking to close his policy but no one is helping him to return his first paid premium.

Regarding : hdfc bank jet privilege credit card no. [protected]
Reference : [protected]

I was in tallin, estonia along with my parents. On the 29.12.2016 i went to a club called madonna which was about 10-15 minutes by taxi from my hotel. Prior to entering the club i had to pay the entrance fee at this club madonna which are incurred through my hdfc bank credit card. Even though the card was chip enabled and is supposed to be a mandatory feature as per rbi, the club incurred the charge through signature and not the pin as it wasn't working on their machine - a fault of the credit card issuer.. I hung my coat in the cloak room which contained the wallet and other personal belongings.

During the time i was in the club, i started getting multiple messages on my phone of the charges being fraudulently incurred as per details below which i saw later when i got back to my hotel

- rs. 105133.95
- rs. 10655.47
- rs. 39070.05
- rs. 24862.76
- rs. 710.65
- rs. 3551.82
- rs. 51415.70

All the abovre charges were declined due to inadequate credit limit.

Prior to the above charges being incurred, during the same time the below charges were approved that was a fraud transaction and not incurred by me.

- rs. 39257.17
- rs. 10733.77
- rs. 105906.57

Any sensible person could say that a fraud had been committed as all these charges were incurred one after the other in a quick succession within a few minutes. I immediately called hdfc bank from tallinn, estonia and after waiting for 10-15 minutes i was connected to the customer care and blocked my card. As per the requirement i immediately went to the estonian police criminal department and lodged my complaint, the same has been forwarded to hdfc bank. The complaint states that the fraud had been incurred and that the criminal was yet to be taken into police custody.

The bank informed me on 28.04.2017 after numerous calls and emails made by me to inform that there was no fraudulent charges incurred - mentioning - hdfc bank says, "we were in receipt of valid documents from the merchant indicating the transactions were incurred in your presence". I immediately called the bank to ask for such documents to check and investigate at my end which the bank refused to provide and hence had to send email to - grievance. [protected]@hdfcbank.com, [protected]@hdfcbank.com asking for such documents.

I am shocked of this callous behaviour of hdfc bank and it is apparent that no heed is given to such fraudulent charges that are of legitimate nature and the bank's refusal as of today to hand over the alleged documents which they claim to be in their possession.

It is evident that hdfc bank is hell-bent on extorting money from its credit card holders no matter what circumstances they might be in.

I have submitted cancelled cheque to customer service desk twice, i have also get auto debit facility activated email from [protected]@hdfclice.com on 18th apr, 2017 and 21st apr 2017. However i got email yesterday (28th apr, 2017) saying that your auto debit facility is active state due to cheque bounce (I don;t understand in auto debit facility why they are giving reason about cheque bounce) and now they are saying you have to submit the cancelled cheque again which i had already submitted twice. I have sufficient balance in my account as well. Please check out attached image.

I have requested them to call back, but they are saying we can't call you back. That is strange! If i enquire about new policy they will call immediately but for exiting customers they don't call. That clearly shows that they are only interested in new business and don't care about existing customers.

I have already called 4-5 times and spent around rs.200 by calling your help line number (It is not toll free).
Every time called there will be new executive and i have to explain every thing to them again from zero and call gets disconnected after few mins (I doubt that you are earning money from network provider as well by dropping a customer call) and they have to spent 4-5 mins in waiting and selecting menu and etc.

I do not need any calls from hdfc. I should not get any calls for loans/credit card/insurance etc because i don't need it, is it tough to understand this language??
Else i will close all my accounts and will file a complain against you all for worrying me unnecessarily.
I hope you understood the language. Respond me on my email-id [protected]@gmail.com on this issue within 24hours and activate dnd which means do not disturb in case you all don't understand it.

I'm using a HDFC Credit Card from long time back. Recently, they are allowing few selected merchants (like: Google) to make the transaction through the credit/debit card without any authentication of the account holder.

Also, While people are making the online transaction through debit or credit card or net-banking, the merchants website saving all the details of the card information including card number, date of expiry, cvv number and even pin number also.

After informing to HDFC bank, they are saying that in case of international transaction no further authentication is require. So, If the payment gateway is international then they will not authenticate the same in any point.

My concern is that, I have not used the credit card in google for last 4-5 month. But, the HDFC make the payment to Google around Rs. 33, 800.00 against my card.

So, I have blocked the card and requested them to issue a new card which is not registered anywhere in the google.

Still, they are charging the same without making any transaction for this account.

Please look into the matter as this is the 2nd time I have felled that the HDFC is frauding with me.

If google will save the details card information then others are also doing the same. If, it become true, then the digital India may not success or we never recommend to make the transaction online as it is not completely safe for Indian people.

Thanks & Regards,

Tarit Biswas

Hi team,

Iam planning to close the my hdfc credit card. Due to the worst customer experience. Last friday i got call from one of your representative name mahnea tiruvanmiur branch. Chennai. She spoke like rowdy. She dont know how to speak with customer. I forger last month minimum due i agree with that. I said iam planning to pay full amount in before 28th she said u cant pay even 4000 then how will you pay 41000. And also she speak like rowdy kind of speach i cant explain here. I dint sleep past 2days past 8 years iam the customer of hdfc bank now im shame on this kind of worst bank.

Regards
A balaji

मोहदय से निवेदन है
की उक्त कंपनी द्वारा मुझे नौकरी का लालच देकर पैसो की ठगी की गयी,
और एक आई डी दी जो ये है quikr _असीम०५९@hdfc

और जब मेने जॉब के लिए मना कर दिया तोह मुझे मेरे पैसे वापस नहीं
लोटा रहे है कृपया मेरी मदद करे,
ये उन लोगो के नंबर है. आप मेरी मदद करे .
[protected] अनुराधा.
[protected] कंपनी .
[protected] कंपनी

ये लोगो ने मुझसे जॉब के नाम पर ठगी की है मै गरीब घर से हु और
मजबूर हु मेरी सहायता करे

Hi team,

I have made payment for settlement to hdfc bank person on 28 feb 2015 for 7000 to settle down the card and surrender the card.

But still I have not got settlement letter from them.

I am getting below mails on very frequently basis.

*************

[protected]WC_22422911

Dear Cardholder,

Ref; YOUR HDFC Bank Card No. 485499XXXXXX3675

Current Balance Rs .13734.31

Your continued failure/refusal to clear the outstanding amount on your above credit card has constrained us to consider legal action against you for the recovery of dues owed to us.

In the event that you fail to respond to this notice, appropriate legal action will be initiated against you for the recovery of the due amount. The amount outstanding as due and payable by you on the card account as of this day stands at Rs.13734.31/- .

You may please take note of the fact that interest and other charges at contractual rates will continually accrue on your card account till the date of liquidation of the dues.

To avoid initiation of legal action for the recovery of outstanding dues and the ensuing consequences, please contact us within 15 days from the date of this letter with a payment of Rs.13734.31.

Please note that as already informed through Card Member Agreement and further communication, your conduct of the card has been shared with other banks, institutions, Credit Information Companies and Statutory bodies. Please be informed that your account has also been assigned to our external associates for liaising with you for payment of dues. Please refer to the annexure enclosed herewith.

GOLDEN ENTERPRISES
BXXVI-201, ABOVE AMAR SWEETS,
CABIN NO.102, KOCHHAR MARKET,
LUDHIANA - 141002
Phone No: [protected]

If you have already made a payment or settled as per the schedule of the settlement letter issued by the bank, please disregard this letter and accept our apologies for the inconvenience caused.

Officer – Retail Portfolio Management
This is a computer generated reminder and does not require a signature.

For any queries you may log on to our Bank website :

http://www.hdfcbank.com/personal/customer-centre?src=hp_top_nav

OR in the alternate, you may call us at our Phone Banking numbers :

Ahmedabhad/Bengaluru/Chennai/Delhi & NCR/Hyderabad/Kolkata/Mumbai/Pune – 61606161

Chandigarh/Cochin/Indore/Jaipur/Lucknow – 6160616

Annexure

The Bank has in place a model policy on collections of dues and repossession of security that is available on the Bank’s website (www.hdfcbank.com). An extract from the policy is given below for your ready reference.

Collection of Dues
Whenever we give loans, we will explain to you the repayment process by way of amount tenure and periodicity of repayment. However, if you do not adhere to repayment schedule, a defined process in accordance with the laws of the land will be followed for recovery of dues. The process will involve reminding you by sending you notice or by making personal visits and/or repossession of security if any.
Our collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. Our staff or any person authorized to represent us in collection of dues or/and security repossession will identify himself/herself and display the authority letter issued by us and upon request display(ing) to you his/her identity card issued by the bank or under authority of the bank. We will provide you with all the information regarding dues and will endeavor to give sufficient notice for payment of dues.
All the members of the staff or any person authorized to represent our bank in collection or/and security repossession would follow the guidelines set out below:
a. You would be contacted ordinarily at the place of your choice and in the absence of any specified place at the place of your residence and i[censored]navailable at your residence, at the place of business/occupation.
b. Identity and authority to represent would be made known to you at the first instance.
c. Your privacy would be respected.
d. Interaction with you would be in a civil manner
e. Normally our representatives will contact you between 07:00 hours and 19:00 hours, unless the special circumstances of your businessor occupation require otherwise.
f. Your requests to avoid calls at a particular time or at a particular place would be honored as far as possible.
g. Time and number of calls and contents of conversation would be documented.
h. All assistance would be given to resolve disputes or differences regarding dues in a mutually acceptable and in an orderly manner.
i. During visits to your place for dues collection, decency and decorum would be maintained.
j. Inappropriate occasions such as bereavement in the family or such other calamitous occasions would be avoided for making calls/visits to collect dues.

If at any time you observe that either our staff or outsourced agencies have violated any of the above provisions, please feel free to contact our toll-free help line which is[protected] from your city.

You may also feel free to write to our Collections Code Compliance Officers mentioned below in case your grievances have not been addressed by the above help line :

Name : Mr. Debjyoti Datta
Contact Number :[protected]
Email ID : [protected]@hdfcbank.com

We also wish to inform you that in case you do not get satisfactory response from us after contacting the above channels, please feel free to approach
the office of Banking Ombudsman in your respective city.

We also wish to inform you that in case you do not get satisfactory response from us after contacting the above channels, please feel free to approach
the office of Banking Ombudsman in your respective city.
Ahmedabad: C/o Reserve Bank of India, La Gajjar Chambers, Ashram Road, Ahmedabad-380 009
Bangalore: C/o Reserve Bank of India, 10/3/8, Nrupathunga Road, Bangalore-560 001
Bhopal: C/o Reserve Bank of India, Hoshangabad Road, Post Box No.32, Bhopal-462 011
Bhubaneswar: C/o Reserve Bank of India, Pt. Jawaharlal Nehru Marg, Bhubaneswar-751 001
Chandigarh: C/o Reserve Bank of India, New Office Building, Sector-17, Central Vista, Chandigarh-160 017
Chennai: C/o Reserve Bank of India, Fort Glacis, Chennai 600 001
Guwahati: C/o Reserve Bank of India, Station Road, Pan Bazar, Guwahati-781 001
Hyderabad: C/o Reserve Bank of India, 6-1-56, Secretariat Road, Saifabad, Hyderabad-500 004
Jaipur: C/o Reserve Bank of India, Ram Bagh Circle, Tonk Road, Post Box No.12, Jaipur-302 004
Kanpur: C/o Reserve Bank of India, M.G. Road, Post Box No.82, Kanpur-208 001
Kolkata: C/o Reserve Bank of India, 15, Nethaji Subhas Road, Kolkata-700 001
Mumbai: C/o Reserve Bank of India, Garment House, Ground Floor, Dr. Annie Besant Road, Worli, Mumbai-400 018
New Delhi: C/o Reserve Bank of India, Sansad Marg, New Delhi
Patna: C/o Reserve Bank of India, Patna-800 001
Thiruvananthapuram: C/o Reserve Bank of India, Bakery Junction, Thiruvananthapuram-695 033

****************

Please rectify as bank is just acting like a big boss in this case

Thanks
Vipan

Hi my name is syed muzzaffar salman applied for personnal loan from hdfc bank. And when i called customer service people today dated 26.04.2017 said they dont see any information or verification has not been done as if yet. Then i got a call from hdfc bank loan dept. Saying basis of your cibil your loan got rejected and what she said my cibil is 691. I informed that cannot be true because i have copy of cibil which downloaded two days ago, which shows my
Cibil is 771. So that means hdfc bank is lying. Her name is sukhwinder from loan dept. Saying let me check and call you back. I said dont call me back because you guys have waisted my time as well and will not deal with hdfc bank any more because of this lousy service or pathetic service.

This is vikas jadhav having hdfc bank saving account [protected] fc road, hdfc bank debited rs. 1618.47 & rs. 1534.15 from my saving account without any approval on 12th april 2017.

I have on tour and when i swap card on petrol pump they have declined my card payment. I have shocked when saw my hdfc bank debited my account without my confirmation or any prior intimation.

Due hdfc bank nonsense treatment i have lost my important meeting.

I have made complait to director forum of hdfc bank but yet not positive and valid response from them.

Today i got call from customer representative mr. Ashish of hdfc bank from phone no [protected] 9.35 am. He told me bank had deducted your credit card outstanding. But my outstanding is old of 9 year. And he dont know why deducted. He told me i will forward this query to my boss but yet not response from them. I asked him question that if outstanding is pending from 2010 then why you not deducted in last 7 years but he dont have any answer also my cibil scrore is down due their carelessness treatment with customers.

I have checked the same outstanding of credit card transaction was 2010 and the credit card is blocked in 2013 and they have not intimated to me from 2013 to march 2017. Deducted amount is not tallied with outstanding of 2010 as well as i have send mail and letters regarding outstanding of credit card to bank so many time but nobody replied me.

Now my complaint is how can bank deducted amount whatever they want and when they want without account holder confirmation and approval?

What are they doing in last 7 years. They have not entertained my emails.

If this type treatment done from hdfc bank to his old customer then how we can trust on banks and reserve bank of india. This is tollay fraud with me and harassment by hdfc bank

Kindly refund the same money in my account on high priority.

Regards
Vikas jadhav
[protected]

There was mis-communication from Mumbai office to local office.call received from no.[protected]., Kept me waiting for 2 hrs in loan dept. not even bothered to say that it would take time I can complete your other work if any, no alternative staff was present to operate locker and staff was making fun of me when I told them that they are in private sector. Manager instead of taking action was advocating for the staff mistake.

My name is suman das ph no [protected] i want my credit card deliverey at my office address plot no 425 udhog vihar phrase 4 near mts building gurgaon pin-122015. Please send my card in my office address on urgent basis. My name is suman das ph no [protected] i want my credit card deliverey at my office address plot no 425 udhog vihar phrase 4 near mts building gurgaon pin-122015. Please send my card in my office address on urgent basis.

So this is regarding my credit card and emi... my apologies for missing on my payment or delaying it is can say. But I think other banks understand a customers situation if I can say I met with an accident and had to undergo a surgery which I had to be on complete bed rest... I explained the situation to the people who called me to follow up regarding the payment... none of them understood my situation. They kept calling me when I had to be on bed rest with medicines. This was a 100% mental torture for me! N the executive who spoke to me spoke so rude when I said I was really left with no money. I even promised I would make the payment with the fines what ever Is shown and I am not going to miss it. If i answer the call and talk is this what is the respect I get back from them? Try to go find defaulters like this and Sue them instead of sueing people who are making their payments and are picking up the calls. Ridiculous customer service and I think especially in hdfc they dont know anything called customer relationship management. They are just behind money and want money from people even if they are dieing.

I deposited 35, 000 rupees in my salary account and they have deducted 172.50 Rupees, teller didnt convey me that charges will be there for depositing the money.
Also this is my first time in the month that I am depositing cash in my account.
Also this amount is less than 50, 000 then what is the reason for deduction.
Plz look into this.
Didnt expect this thing from HDFC Bank
Also there is no reference number for the same.
Please refer below attached screenshot for that the transaction details
Expecting the response soon.

email- [protected]@gmail.com

1. I have an account in HDFC Paonta Sahib, Himachal Pradesh.
2. I tried to make a purchase worth Rs.705 on 8th April, 2017 using netbanking facility linked to my account.
3. The action was abruptly aborted because of loss in connectivity and the payment was aborted.
4. I rang up the merchant and he acknowledged verbally the failure of the payment and also sent me a mail confirming the same.
5. However the bank account statement says that money was deducted for the failed transaction.
6. I have contacted the bank through mails over three times now, but no satisfactory response has followed. Even the call centres do not connect because they ask for phonebanking pin just for speaking to their representatives.
7. Such behaviour from HDFC Bank is not at all customer and user friendly. The bank should smoothen it's channel for the ease of access of it's customers.
8. Kindly refund my hard earned money back to me at the earliest and save me further inconvenience.

Contact No. [protected]
E-mail ID : [protected]@yahoo.co.in
Thank You!