HDFC Bank Complaints & Reviews

I wish to understand that whether the bank is allowed to charge AMB charges to the savings account.

As per the RBI norms banks are not allowed to show up negative balances in account. So what way out HDFC bank has had is they show the account balance to be 0 INR and as and when people add any funds to the account they deduct charges towards the maintenance of balance for various months in a row. Some of these charges may even be for the previous financial year.

How can the same be charges if it was not carrying a negative balance in their system?

They have made adjustments to the system to just suit the RBI norms but the consumer is yet being affected.

Hello,

I want to file a case against hdfc bank who has placed a "hold on funds" in my saving bank a/c no [protected] without any information. as per them their is a due of amount rs. 34711/- on my credit card [protected]. i have already send a mail and ask to your customer care representative to close my credit card and covert amount in emi but they did't reply me.

My objection to hdfc bankis that, how they can hold my funds without any information.

Would like to request you to file my complain against hdfc. i can provide you all required documents.

Thanks & regards
Vijaylaxmi singh
E-mail: vijaylaxmi. [protected]@gmail.com

My name charan singh, policy no.[protected] [] the policy done by a fraud agent without my original sign [] please surrender my policy []usne mujhe phone par ullu banaya or meri policy karke raffu chakkar ho gaya hai [] meri max life ki policy thi jise main band karna chahta tha [] max ke customer care me manager mr.vijay malhotra jinka mob no.[protected] hain ne mujhe kaha ki aapki max ki policy release ho jaygi par aapko tax se bachne or jayada paisa lene ke liye or policy karvani padengi or usne kaha ki ye policy aapki 15 din me vaapis ho jayegi sirf 3 % file charge katega oo ye kah kar usne mujhe meethi baate karke fasa liya or max life ki policy release karvane ke chakkar me ye policy kar ke gayab ho gaya h [] please help me [] please surrender my policy []

I am very frequently getting unwanted messages from VM-HDFCSL and VK-HDFCSL headers of HDFC Life on my mobile number [protected]. I have repeatedly complaint on their customer care and email but no action is been taken. I still get the messages. I just want them to stop sending me these messages. Its been more than a month now that am talking to these guys with no satisfactory response. I dont understand why they need so much of time to just unsubscribe one number.

I had sent my complaint to hdfc life on 21.01.2016 and it was addressed to director customer service.instead of the director hearing to customer complaint, a junior replied back on 28.01.2016. the reply is a reiteration of falsities, concocted statements and concealing of facts.

This complaint is once again being addressed to director customer service, expecting a prompt action on the complaint.

The justifications by hdfc life are vehemently denied and the pointwise reply is as follows:

1. your comment "we would like to inform you that in the event of regular premiums not being paid before the expiry of the grace period, after 3 years of regular premiums have been paid, the policy will be made paid-up.
The sum assured for the main benefit will be reduced while the cover on rider benefits will cease with immediate effect."

Kindly be noted that for the policy 00273933 in all 12 years of policy since 2003 all premiums have been paid before due date.in nov 2015 the customer approached hdfc life branch in sec 15, gurgaon for knowing the surrender value of the policy. the request was given on 17.11.2015 and i have a record for the same. the surrender value was deliberately and with malafide intentions not provided to customer through phone or sms or e mail for more than a month. hdfc life was waiting for the next premium date to pass by.
Evidence of malafide actions on part of hdfc life are the multiple sms sent to me after i asked for surrender quote and all such sms threatened me of submitting premium. no mention was given on the surrender value. if hdfc life is no prompt in asking premiums by sms and phone calls, then the same speed could have been shown on surrender value in nov 2015.

It is the hdfc life who has made the policy paid up and not the customer. extortion and harassment of customers cannot be more evident than in the present case of not refunding customer's hard earned money.

2. your comment "reversionary bonuses attaching at the date of the policy is made paid-up will remain as attached but the paid-up policy will become non-participating thereafter i. e., no further bonus will be attached.
We wish to inform you that the policyholder can surrender the paid-up policy at any point of time.
We confirm that the guaranteed surrender value of your policy, as specified in the policy document, is 50% of the premiums paid, excluding the first years premium, rider premiums and extra premiums. beyond this, any additional surrender value that is paid out is at the discretion of the company."

It is very clearly stated in my mail dated 21.01.2016 that the policy was sold to me in 2003 by your agent assuring of constant stable returns greater than the market linked policies. name of agent is available in your records. the agent never advised of complete loss of premiums in case of surrender during the course of 27 years. had he stated so, no sane individual would have invested his hard earned money into extortionist policies. i as a customer have full right to withdraw my money at any point of time. i had asked for net value of running policy 00273933 in the year 2014 so as to determine how much shall be the amount paid back in case of termination of policy. the statement by hdfc life is with me (sent on mail to me in feb 2014). the net value as on 31 march 2013 is given as rs 12, 08, 542. note that hdfc life has one policy in case of promising customers of showing good value and another policy of paying peanuts in case customer surrenders the policy.

Your comment on bonus not payable is another attempt of cheating, extortion, and customer harassment. your monopolistic trade practices are not sustainable and have no standing in any legal battle.

3. your comment "an insurance contract is designed for a long - term savings and is not designed for short - term investment. if a policy is surrendered in a short term then surrender benefit payable might be less than the premiums paid into the policy."

12 years is a sufficient long term for giving chance to a insurance company to mend its ways. the customer has not approached hdfc life for withdrawal within 2~3 years of inception of policy. if is 12 years the company cannot pay basis interest and market based returns, then the customer is not at fault in withdrawing the money invested.

Herein the amount due to be paid by hdfc life to me is again reiterated as follows:

The premium paid per year of rs 36220/- starting from 2003 till 2014 is in all 12 premiums totaling to rs 4, 34, 640/-

The reversionary bonus upto year 2015 is rs 2, 48, 542/-.

The total of above is rs 6, 83, 182/-.

Any payment delay beyond 3 months from the date of demand placed on 17.11.2015 shall call for interest chargeable @ 15% per annum.
Additionally causing mental agony, deliberate harassment with an intent to cheat and extort money shall call for penalty to the tune of 10 times of sum assured plus the interest @ 15% per annum chargeable for delay of such payment.

The matter of deliberate holding back surrender value and of not refunding customer's investment has been put up to irda as well


The matter was escalated to level 1 and level 2 on 10 feb 2016.instead of getting any resolution from hdfc senior management, i am still getting lame excuses from service deptt. the staff at service section is paid only to repeat tutored statements without any customer concern.

Its been 4 months since i have been asking for refund of rs 6.5 lacs due to me.


Speed post letter sent to hdfc life mumbai office on 12.04.2016 which is received by hdfc life on 15.04.2016.

Filed application for 3 lots on 28th June 2016 through online banking for 3 lots and got the confirmation message for bid. I didnt receive any acknowledgement from NSE over email or SMS as is received by all investors to the IPO. Also, my funds stand blocked against IPO applictaion in bank that has no idea about the status of application.

I checked at the verification link at the NSE Site for IPO applications & after entering my application number and PAN, it gave response message of invalid number.

No proper reply from bank is given even after many followups. They simply seem to have no idea about ASBA system,

Hi,

I had applied for smart pay of bescom bill 2 months ago. But the smart pay was not successful and the due date of the bill is over. I had to pay the bill manually. If i could pay the bill manually, then what is the use of smart pay ? I had spoke about the same with the customer care, but they were like unaware of the issue. Because of the failure, the had to pay the bill with additional fine amount. Why should the bank promise automatic payment of bill when they cannot do it. Hdfc smart pay is worse. I like to register a complaint against this and require an response for the same.


Email: chethan.[protected]@gmail.com

Regards,
Chethan Y

Am holder the policy no.16652090 &amt premium has already been paid thru net banking on 08/10/2015 but its receipt is yet to be received.

Pl. send me the same immediate as I have to submit it for taxation work. I need the receipt badly as the premium has not been credited while as amount hasbeen debited from my credit card.

Thanks &
Aijaz hussain Lanker [protected]@gmail.com. [protected]

My customer id in hdfc being 28083942, i have raised a complaint more than 1 month back with hdfc bank regarding a bill payment made for airtel via netbanking.

The payment was made on 21st may via net banking and the transaction was not successful.
The amount was deducted from my account with the assurance that it would be credited back.

The bill payment was again made on 27th may and it was successful this time but my earlier amount was not refunded by the bank.

I have tried all means of raising complaint but every time i talk to your staff they give me a different complaint id, multiple complaints have been raised
There is no resolution to the case so far
The bank states that amount has reached the merchant and close the case though i have share with them the email that the transaction was not successful
I also raised a complaint with airtel and they also disputed that the amount has not reached them on 21st may (which i agree v=because the transaction was not successful)
Appreciate if you could sincerely instruct the required teams to resolve at the earliest.

HDFC,

This complaint is in regards to the letter we received on 21 June 2016 related to the Policy Nos. 18441023 surrender. It was very disappointing to hear the brand like HDFC was unable to understand the situation and just wrote an auto generated letter stating that we are unable to treat this as missale.

However, we already raised a complain about this Policy to IRDA dated 13 June 2016, as this was a missale from the HDFC agents. We also provide there details to the IRDA and ask them to take the necessary action. I am unable to pay/continue this Policy, as it was a missale by the HDFC agent, as we received a call and they are stating that the surrender value under Policy No:[protected] of LIC, will be refunded with a accrued some commission bonus amount if we take new policies from HDFC Life Insurance under Policy No:18441023, 18488150 and this policy can be cancelled within 2 weeks of the commencement. HDFC agent mention that you need a ULIP number and client ID to get a refund for LIC and for that you need to purchase HDFC Life policy with a sum number of 170000. As soon as we come to know about this fraud I reported it to IRDA and as Policy No 18488150 was not received yet, so I have submitted it for the refund.

However, for Policy No. 18441023 he free lock period is over, as your HDFC agent keep on calling and stated that we will refund your LIC amount and you can cancelled HDFC policy with in the 2 week of the commencement without any charges.

HDFC should take a strict action against these agent how all are misleading the people and missale these policy, as they are breaking trust in the brand like HDFC.

Please take the necessary action and refund my amount, as it was just a mislead and missale.

I am a retired Army person I really don't know how to get back of my money, I only request you to give back my money or I need to go to consumer court.

Thanks & Regards

CMS Sajwan (H/O Prabha Sajwan)
[protected]

Dear Sir/Madam,

I am having salary account in HDFC bank and working with TCS.
I have applied for PL but they rejected reason is dual PAN card. I am having only one PAN card. I have already taken PL from ICICI bank if i would have dual PAN card than how i got the PL from ICICI bank. HDFC bank updated in the CIBIL hence, i am not getting loan from any banks. I need money please help me.
This is really frustrating and kind of Harassment.

Would like to request you please look this issue on priority basis.

Regards,
Ajay
[protected]

Hi,
My name is Bibin PB and having a current account with HDFC bank palarivattom branch Cochin.I wanted to have a bank statement for the same account.Before I used to get it though mail from the RM who was taking care of the account .Today I was not available to go to the branch personally for the statement.So I sent my staff to collect the statement with authorization letter.But one of the personal bankers named Mr.Ram misbehaved to our staff by saying that our company transaction is very low so that he cannot give service on request only to the preferred clients who are doing more transaction.I would like to know one thing that how can an employee of hdfc bank can disclose our company transaction details to our staff.

He also told them arrogantly that your owner has to reach to the branch and give letter and sign in front of him in order to get the services.please do let me know if the bank staffs are misbehaving like this how can hdfc advertise as they understand our world as their caption on everywhere.This is utter nonsense their staff is behaving to someone very arrogantly as if he is the owner of the bank and he will serve only to the people who gives him some extra money.If he cannot give us the service then why they are asking us to maintain the balance and if balance is not maintained why are they charging penalty. I have never faced these kind of issues in any other banks as they are treating their clients as kings.


Regards,
Bibin PB
MD Softforest technologies pvt ltd
bibin.[protected]@softforesttechnologies.in

Hi

This is vinoth Kumar i am using in hdfc bank salary account last day in
(01/07/2016) on DCD in my account
He check in next day (02/07/2016) to mini statement.
Debit mony not allert it.
And not came to any notification for my mobile number and email notifications.

How to re-credit 💳 in money


How it possible to DCD in accounts

Please solve this problem

Regards
Vinoth kumar

Dear Sir

I have get two-wheeler loan no 2004 through centurion bank Secunderabad branch. Completed the two-wheeler loan, after completion of my loan I have received the original RC book from bankers. that time they have told me NOC send through by courier but till now I have not receive the NOC

We need the NOC How to proceed further

with regards

Nagaraj. D
[protected]
[protected]@yahoo.com

Address:
D.Nagaraju, Plot No: 69, H.No: 3-13-95/5/69,
Bank Colony, Near bank colony committee Hall, Mallapur, Hydereabad-500076.
Mobile NO: [protected].

Dear concern
I have been misguided by hdfc people promising a fresh loan of 2.5 lacs and I saw they foreclosed my old personal loan account with o/s amt of 1.5 lacs and they transfered the balance amount of 95000 rs in my account. This was disbursed on 29.06.16 and today I received one more message of my policy issuance from hdfc which was done without my knowledge.
Kindly take stern action against the employees. I have the contact details of the sales person who logged my case in Patel nagar branch. His name is ajeet [protected] and his sensor's name is sunaina.
Regards
Amrita
ukchug.[protected]@gmail.com

My self Shaik khaleel.

I am not using My HDFC bank account from 2 Years. Now it's showing as Negative balance Rs *-7800/-. *

And my previous balance also deducted from my a/c with out any intimation.
MY old deducted balance need to refund back immediately and close this HDFC salary account. When i was taken this account as a salary account.

Finally, I am completely not satisfied for this HDFC banking services. With
out intimating deducting my balance.

I am waiting for your revert.

Thanks,
Khaleel SK

I had credit card of HDFC Bank. I used the whole limit of 50, 000 and didn;t make the payment. Now after 7yrs I applied for Loan from SBI and got to know from CIBIL that I had a consumer loan... Than after 2-3 days i got a call from HDFC bank that i need to make the settled amount of 65, 600 and after that I would get NOC from the Bank... I made the payment of 65, 600 and after 2 days when I tried to call them for the NOC and I was unable to reach them...S, Plz check the payment has been posted to my credit card or not So that I may apply for the loan...

My salary account in HDFC bank was created in my first company, so once i left the company and joined somewhere else i had to open another salary account.
Now my salary account in HDFC bank has been converted to savings account (Without informing me or warning me).
After leaving the old company i never logged in to my account through net banking. Now it's showing me negative balance in the account.
Where should i approach to close this without paying any amount now. Please help.

Hi hdfc bank,
Savings account no.: [protected], mogappair - east.
Account holder name : ashok reddipalli.
Ifsc code : hdfc0000493
Deduction from my account on rs.287.50 . give me the reason for account deductions.
Please find the below details.
28 jun 2016 debit card annual fee-jun[protected] 28 jun 2016 287.50 570.26 ...
Please refund the amount on the account.

Thanks & regards
Ashok.r
91-[protected]
Email : [protected]@gmail.com

My account open with zero balance salary account with number [protected]. I am already complain on may13 2016 that complaint resolve but same problem again done so kindly refund deducted minimum balance charges. My husband and my son account also with hdfc bank with same branch number is [protected] &[protected] these account regular and with sufficient balance .