HDFC Bank Complaints & Reviews

To whomsoever it may concern

I have a few concerns regarding my credit and debit card and savings account.

1 - ecs -
I hold both a savings account as well as a credit card with your bank.
However after a few weeks o[censored]sage, i received information through sms
Ervice that an auto pay deduction towards the minimum due on credit
Card payment has been debited to my savings account in favour of the
Credit card. I was surprised as i have never authorized or instructed
The bank to conduct such an auto pay debits to my credit card or
Otherwise. However at the same time even before the due date, i had
Paid the minimum due to the credit card. Thus there were two payments,
One made voluntarily by me before due date and second on due date by
Unauthorised auto debit. That on two of such occasions, i immediately
Contacted the customer service and told them that i have not
Authorized any auto debit and thus the bank reversed the said auto
Debit payments back to my account. However despite of informing the
Bank a couple of times, in the recent months since august 2015 auto
Debits have been conducted without any instructions or authorization
From me and since i have no credits in the savings account, the said
Auto debits have resulted in dishonourments and resultantly you have
Charged me for such dishonoured payments as well as other ancillary
Fees connected thereto. Besides the credit card is also being charged
Everal fees and charges for dishonored payments despite of no auto
Debit or auto pay instructions. These fines and ancillary fees have
Totalled to a large amount which i am not liable to pay in any
Circumstances as the same is result of an error from your end and not
Mine. As a matter of fact, i am being harassed by having to ask you
Time and again for cancelling such auto pay debits and still the
Ancillary fees and fines wrongly charged to me have never been
Reversed.
You are advised to rebate these fines, fees and penalty charged to me
On my savings account as well as my credit card as the same have been
A result o[censored]nauthorzed auto pay debits which were never sanctioned by
Me.Infact such an attempt on your part calls for intentional
Interference and deficient services, the attempt made by you to
Conduct unauthorized auto pay debits is in contravention to the
Agreement and to the customer - bank relationship policy and practices.


2 - statements -
To add to the above harassment, your bank has failed to sent me the
Monthly statements of the savings account as well as the credit crd
Statements. I had opted for the digital statements and hence expect
The statements to be sent to my registered email address, however i
Receive intimation of offers and schemes from your bank but never the
Tatements of my accounts. I have complaint of this issue with your
Customer desk several times and yet i have got no response from you
Not do i have been sent the statements.In the absence of my
Tatements, i have no idea as to how and where you have imposed
Charges or fines on me. Please note i have consciously checked all
Emails in my inbox as well spam and other folders but regretfully i
Have no email with statements from you. Despite of repeated requests,
Non fulfillment of this requirement is an error and shortcoming in
Ervices at your ends.

3 - collections -
That in the second quarter of this year, as there was no statement
From your end and unauthorized auto debits made from my account and
Unnecessary charges being imposed on me, my credit card bill minimum
Due requirement stood unpaid as your bank failed to co-operate with
Me. Please note prior to this my payments to the card have been
Regular and not a single month i have been in default. Thereafter some
Person claiming to be your representative approached me to pay the
Minimum due. He assured me that he would ensure that statements of my
Account are provided to me in my email however the same never happened
But he took from me an amount of rs. 2200/- towards collection. At the
Relevant time i informed the representative that the charges imposed
On me are wrong and i am willing to settle the account provided the
Bank deduct such charges and fines imposed on me wrongly by the bank.
The said representative told me that he would seek the proposal and
Inform me. However i got no proposal after that. Next month, again i
Got no statement from you and again you made an unauthorized auto pay
Debit to my savings account and after that you issued me a legal
Notice for dishonoring an ecs payment. Again some new person came to
Me and asked me to pay rs. 4000/- towards the minimum due stating that
He will get proposal but i will have to pay this minimum due. I placed
My trust on your representatives and waited for a proposal. However in
The mean time you have been conducting unauthorized auto debits,
Charging me wrongly and adding fine, fee and interest and penalty to
Me on both account arbitrarily. These payments are not legally payable
By me and these are a result of the error and foulplay of the
Collections team of the bank. You are advised to act immediately on
This.

4. Privacy of account holder:

Your representatives approach my family and are readily providing any
Body information of my accounts and dues without any authorization
From me, this is illegal practice as per the banking regulations.
Merely for the purpose of creating pressure on the account holder, who
By the way is willing to settle but your collection agents dont seem
To willing to do the same for reasons best known to them, are using
The name of the bank and harassing and threatening me and my family
Member including the women of my house. This harassment is illegal
Practice and banned by the rbi. Moreover, in a bid to extract
Collection and fulfill some internal target, these agents are sharing
My account data and details of my transactions and such other details
With any body they meet at my doorstop without authorization from me.
Where as you claim to protect data and privacy of an account holder
From any person and this is a breach at your instance.


Your agents/advisors/managers have no respect while speaking and do
Not understand simple questions.
I have had agents visiting my residence and speaking to my
Father/mother/sister in an inappropriate language questioning my
Tatus and ability to pay or take a credit card. The tone of voice
Used and the choice of words is unacceptable especially when used for
Women which in turn is harrassment.
Please note and be advised that your agents have no authority to speak
To any one in filthy and untoward language and you are vicariously
Responsible for such harassment and verbal abuse. If these persons use
Your name and identity cards issued by your bank, it is your implied
Duty to ensure that these representatives are well mannered and stay
In bounds. They have no right or locus to question my capability of
Holding a credit card or using the same as i please. If the same
Continues, i will be constrained to lodge a police complaint against
Uch representatives as well as impleading you therein for allowing
Uch illegal practices. I will also be constrained to write to the
R. B. I. With respect to you employing people who practice against
Banking practices.

I on many instances have asked your agents who visit me for payments
To obtain and provide me with a proposal for the settlement however
None of them have ever got back to me but they always want to insist
On collection minimum due. Due to their inaction, i do not stand to
Bear the burden of their delay. As such your charges and fines have
Been adding on since last few months despite of my request to you
Representatives for settlement.

I received a call from (+[protected] dt. 11/06/2015 somewhere
Around noon from your collection team and the person i spoke too had
Terrible attitude and a horrible manner of speech. He has disrespected
Me for which i am going to take legal action. Your agent insisted on
Me giving the phone to whoever was talking in the background and when
I handed over the call to my sister, he spoke to her with complete
Disrespect and questioned that if he has no ability to pay then why
Did he use the card. Let me tell you, if i had the slightest idea of
The kind of complete disregard your bank holds fro a customer and the
Way you are quick to adopt of illegal practices against your customer
And the fact that for few thousand of collections, your agents will
Give data of the customer to any body, i would have refrained from
Obtaining your card or account. Your agent has complete disregard for
Manners, language and decency and i believe the same is as you have
Authorized them to talk as they like.

Infact, the illegal practice followed by your bank is very strategic;
You do not issue me statements, thus i cannot verify your charges,
Then you make unauthorized auto debit and then issue notices; then you
Appoint indecent and antisocial element like person to make
Collections who fake amounts due where as you via your customer desk
Inform me that the total due is much lesser than as claimed by the
Agent. Your agent claims i have a total due of rs. 69, 800/- whereas
Your own customer desk informed me that the amount due is rs. 66, 000/-
You are requested to explain to me what is this difference suggests?
It seems you let agents make up imaginary amounts to extort from
Customers.

In addition to my above said grievances, which i seek immediate
Response and redressal, i further inform you officially that i am
Willing to proceed for a settlement with your bank as i do not wish to
Hold this account or credit card any longer and thus you are requested
To provide me with a proposal for the same via email or official
Communication through a representative. You are also requested to send
Me statements of both my savings account and my credit card at the
Earliest to help ascertain the charges levied by you.

Please note that i will not communicate with any one who claims to be
Third party collection agent or any person who does not have the basic
Decency to talk and communicate.

That despite my efforts, your customer helpline could not provide me
With email addresses of the other departments who may be concerned
With my grievances enlisted above, thus you are requested to kindly do
The needful in communicating my grievances to any additional
Departmemt or concerned persons who may be well equipped to address my
Grievance.


Post this email, i get a rather hilarious response from the customerservices. [protected]@hdfcbank.com asking me to just simply make a payment towards my credit card and nothing else, no empathy, no call or no explanation at all which is pathetic customer service.

I have a saving account in HDFC bank. Due to some personal reasons i was unable to maintain the minimum balance. As a result they deducted almost Rs 700 per month from my account. Instead of giving the interest on whatever is the balance on my account, the bank is taking public money. This is very unreasonable when many people cannot afford to keep a minimum balance of 10000 every month.

Hello Team,

I have applied for personal loan almost a month back. Initially, the verification process was delayed due to leniency from Sunita from HDFC Sales Team. After never-ending delay, the loan was approved on Monday - 30th May 2016 12:35 PM. However, so far I did not hear anything about Interest rate or file charges.

When I called customer service, the lady called Priyanka was narrating stories than referring to my concerns when I said I will decline suddenly she was active and said, I am processing the cancellation of Loan. I think she is only trained to cancel loan request and not to answer/resolve customer queries. Finally, a supervisor gave me Navneet Rai's phone number ( [protected]) and when called, Navneet was travelling and asked to call back after 30 mnts and later he did not pick calls.

When I have written an email to customer care, they asked me to provide end number of details which could have been tracked using the loan account number and further, I have written email from my HDFC net banking Id.

Today, I have received a message that complain has been registered and the bank will get back to me in 5 working days. The complain number shared is DELR[protected].

My concern is if the loan is approved why there is no call for interest rate discussion and why I am not getting the loan amount in my account. I was not at all informed about the delay.

Thanks & Regards,
Timsy Jethy
Mobile Number [protected]

I applied for HDFC credit card but during its processing, I got an SMS stating that email ID linked to my Credit card is "(another person's email ID)".
But when I called up the sales person, he asked me that he will ask his seniors and get it rectified.
But it has been 3 days I have not received any response.
Even the sales person is not picking up my phone calls.

I am afraid that some one else will use my credit card as details will be emailed to that wrong email ID and I will be in big trouble.

I had booked a ticket from jammu to srinagar on 23rd may 2016.

Hdfc bank smartbuy ref no : [protected]

The booking status was shown to be pending and later i was told that the booking failed and the amount would be refunded to me withing 7 working days.

Since then i have called their customer support 'n' number of times. Each time i got only one response that the refund is under process and it will be done withing 7 working days. But the refund never came and today it's 13th june 2016 !

To check, i dropped a mail to [protected]@smartbuyoffers.Co and [protected]@goibibo.com. I got a response from goibibo, they said that the refund has already been processed on 26th may 2016, 3 days after the booking failure with the reference number gofldapi71bd[protected] !!!

Seems like somehow my money vanished into thin air between goibio to hdfc smart buy. I have used goibio a lot of times. Never had any issue with them regarding refunds. I can vouch for them. So the culprit has to be hdfc smart buy.

Not sure whether i will get my money back or not, but i am not going to recommend hdfc smart but to anyone.

I am Sunil Mani, an account holder with HDFC Bank with Saving Bank account no. [protected].
It is to inform you that I have been observing in my bank statement that whenever I get my card swiped in Petrol Pumps, a fuel surcharge gets deducted from my account.
Last time it was on 22nd May, 2016 when I used my card to make a payment of Rs. 100, a fuel surcharge of Rs. 11.45 got deducted from my account on 24th May, 2016.
Once again I used my card to make a payment of Rs. 100 at Bharat Petroleum on 8th June, 2016 and a fuel surcharge of Rs. 11.50 got deducted from account on 9th June, 2016.
This is totally unacceptable. How can you deduct money from my account without my permission. I want an early resolution to this problem, or else I'll have to take a strict action against your bank.
I am also attaching the images as a proof of those illegal deductions.
I hope you refund back my money on time.

Regards Sunil Mani
Account no. - [protected].
Mobile no. - [protected].

I have been commited in written for amount to receive as surrender value with two employees.Firstly HDFC Bank as sourced by them & told to visit HDFC LIFe to surrender dociment.There also I was given same amount as market was 480 points up.I went previously to surrender this policy in Dec'15 where they sold me one more policty by suggesting to wait till market is up.

But once final amount reveived it was 10, 000/- difference & written statement shared with regret message no impact on NAV after market was up after four month on highest level.

I have rasied issue to Mr.Aditya Puri MD of HDFC & Jitendra Chaudhary CEO of HDFC Life but no proper response.Mr.Ravi assigened issue from HDFC BAnk & MAry Gomes from HDFC Life but never contacted me.Nidhi some executive contated me where in given TAT not reverted me on evidience shared by me to them. I told not to call me on some spcefic dates as was traveling but shamelessly they contacted me & closed case on that discussion. I requested to arrange call with MAry Gomes but never reverted with fix dates lastly I requested for 12th June to dicsuss issue.

I demand my Rs.7500/- refund charged as management fees where they where not able to meet commitment as disclosed & shared with me.

Please support to raise my issue to arrange my refund of 7500/- from them & reason for delay.

Hi,

Why I have been charged in below TXN without my notice. Could you please let me know at the earliest.

1. 3RD PARTY CASH TXN INC ST & EC 310516 - Charged 114.50 Indian Rupee.
2. DC INTL POS TXN MARKUP+ST[protected] Charged 68.92 Indian Rupee.

I used to ignore but know it is costing me more money.

Thanks in advance.

Regards,
G Sushil Kumar

Hi,

I had a salary account with hdfc bank (Geetanjali, new delhi) which was created around end of 2009. After changing the company i gradually changed my address and contact no etc over the years. Because of this later on neither could i update my address or phone number online. (Since they needed an address proof) to update the address. Modifying the contact number was also not feasible since it would send an otp on my number...

I had a Diners Club Rewardz Credit Card with HDFC bank (card no. ending with 6241). I had around 22, 000 reward points on that. 1 reward point = INR 0.75.
I got a call from my relationship manager (Shoaib) and he informed me that I am eligible for a free upgrade on my card with no charges and all my reward points will be transferred to my new card. I got my new card (ending with 4743) however only 9181 points got transferred. Now he is not ready to help me for the same. I have been cheated by the bank.

Hi team,

I wanted to raise a complain about my up-gradation of my credit card from titanium edge ([protected]) to allmiles card ([protected])
I was using titanium edge and my reward point was 9070 but i got a call from one of the hdfc credit card representative and hey did not explain and mentioned that while upgrading this i will lost actual reward point. I have upgraded the card to get the benefit. But doing this i am in mere loss. There stands no logic to upgrade the same.
Thus requesting you to add-on the reward points of 9070 to the present card else is if possible to roll back the changes along with reward points asap. If not done there is no pint of continuing the service of hdfc credit card and will stop it. Again if i do not get any proper information to redeem my reward point i would be bound to go to consumer court. This type of service and miscommunication is not at all expected from hdfc since i am using this credit card for 3 years.


Looking for your prompt response.

—
Thanks and regards,
Rajesh kumar singh | kolkata | +91-[protected]

I have got the call from the number [protected] to avail the bank loan. I was convinced with the loan interest rate and i have planned few things in my mind. Then i have given all the doc. to bank and they have called for verification. In the verification call everything was proper but after 2 days they have told to me that loan has been rejected. This is really frustrating and not correct. They have not done the verification properly. Please block the number [protected] as its like fake call and spoiling the bank's image within their customers.


Laon no: 40289485
Mob: [protected]

Today I tried to book irctc ticket twice using hdfc net banking from IRcTC web site.My transactions are rejected by hdfc bank twice and i have the screen shot for that also.I got the transaction rejection message twice from IRCTC.But my money was deducted twice from my account.the total amount debited from my accout isalmost rs 1300.This is really frustrating and get my amount credited to my account

My JP miles on JETprevilage HDFC debit card is not getting credited to my JET flying miles account. I have tried calling the HDFC cutomer services multiple time and jet airways customer service too.
As per JET airways the flying miles has not been credited by HDFC bank to my account. can you pls assist me with the same before I move for any legal action or complaint in the redressal forum

This is compalane for hdfc bank. Account balance deduct automatically rs 3438.93/-.
According me my account balance is 5764.74/- on date 8 june 2016 in account statement showing right but account balance showing rs 2326.81/- on date 08 june 2016.
We have call hdfc customer care after all verification she said to me that ok sir we are not shair this information.
I have attached screen short of statement & account balance.
Plz help me...

Hello,

I have spoken to so many people regarding the policy, but didn't get any satisfactory response. I did buy this policy from HDFC in January 2016 . I wasn't not aware that the agent who was asking to purchase the policy was given me the fraud information.


I wrote 1st email to HDFC on 1st March 2016 when I came to know that person is not giving me all the benefits which he offered me when he called me to purchase the policy.

I went to HDFC life insurance branch in Nehru Place - New Delhi, where I came to know there is no name of Bharat Kapoor/ Puneet Malik in the HDFC, they both were talking to me for that policy.

Bharat offered me the policy stating, I will be getting medical benefits to my family till 15 years, one petrol card with worth of 28k till 2 years, & one 12k commission check for 2016 & 2017. He stated I need to pay for this policy for 5 years only and then I will get 3.20 Lac in 6th year .

He sent me documents at my home town which is in Kanpur and I stay in Delhi, when the document was delivered there. He called me and asked that I need to check the nominee name and address. I told him my salary package & father's name is not correct. He said it's a dummy packet, you will get final packet after 10 days.

I used to call him daily and talk to him about policy documents and he was delaying that stating, there is a delay from printing department.

When I called to customer service they told me this policy is for 15 years . 5 years of locking period but I will get all the saving after 15 years and then they told me I won't get anything and if the person committed to you, either he is fake or you should confirm with that person.

I sent a lot of emails to HDFC, even I had call recorder on my ph and one day I found one of his call conversation with him. I have sent that to HDFC but didn't get any fruitful result of that conversation. On the call that person stated if I will not get my documents till 8th March he will go along with me on HDFC and refund me all the amount, since that day he is not picking up my ph.

I need this policy amount refund back to my account and I can do FD. I was never interested in long term policy and that's what I told this guy while purchasing the policy. When he suggested it is just for 5 years and I can get my all money back with the interest in 6th year. I was OK to purchase that.

I have attached the recording which I have on my ph. Please find that in the attachment.

Before this I bought one more policy with HDFC which was also not the same as advised by the rep. I cancelled that policy as well. I am not sure why all the fake information provided to customers . It is really not a faithful relation with HDFC at all. I am not sure why HDFC give big targets to their employees and they give fake information to customers to sale their policies.

I really need your help to get this sort it out and get my money back so I can do FD, our parents are always right who advise us to invest with the government bank rather than these private banks.


Awaiting response from you on [protected]@gmail.com
Thanks!
Ruchi

I was approached by the bank executives to apply for a credit card.
I applied for the same. They collected a hell lot of document copies from me.
No communication for a month.
After trying hard I could able to contact the guy who pitched the sales to me.
He then made same efforts to move on the files and i received an acknowledgement number which post 4 days told me that the card is disapproved.
Again after much efforts they tell me that bank has a criteria. And considering that application has been rejected. On asking what is the reason, no specific reason is mentioned.
Then I demanded my documents back to prevent any mis use. For this, they say that we would keep it for bank records.
If you people has rejected the application, what will you do with the documents.
How can I trust you? You are a private organization, not a government body. How can be assured that these are in safe hands?
This behavior seems like to be a dictator kind of me.
Please return my documents.

Query reference number is [protected]

Dear Sir,

I have experienced two cases about this complain subject during this week.
1) On 6th May, we have submitted necessary documents well in time for making import payment, also forex rate got confirmed but even though transfer was not done on same day. When i asked for swift advice next day, i got informed that today (7th May) will do the transfer.

2) Today (8th May) also submitted everything but not received any phone call from bank for the rate so i called up bank, i got informed that due to the concern person was on leave, transfer was not done, so now will take tomorrow,

Hello sir,

Please find below charges cut by hdfc bank.

11 dec 2013 amb chrg incl st & cess for aug2013 11 dec 2013 64.37 0.00
09 dec 2013 amb chrg incl st & cess for nov2013 09 dec 2013 393.26 64.37
29 nov 2013 amb chrg incl st & cess for jul2013 29 nov 2013 393.26 457.63

This is really frustrating. I am not happy and also would not advice other for hdfc bank.

Money is getting in my HDFC bank salaried account without any prior notification. Every month I'm seeing deduction of amount 100 rupees in my account.

I don't know the reason why they are deducting the amount without any prior notification. Among all the bank's I feel Hdfc have worst service being provided to the customers.

Also, for credit cards related issue they ask us to send an letter to Chennai address. Even after sending the details they will not respond to us and there will no confirmation regarding that.