HDFC Bank Complaints & Reviews

Terrible experience with HDFC Bank: I recently created a Groww account and linked my HDFC account for payments. On 11th August, I was making some MF purchases using online payment. After a couple of transactions, the bank blocked 2 of my payments mentioning it's a suspected fraudulent transaction, since a similar transaction has occurred a few moments back. HDFC bank apparently sent a failure message to Groww also. Hence in Groww, my transaction failed and I did not get the M[censored]nits. But HDFC bank still debited the money to my account. The money was not refunded. After waiting for 2-3 days, I wanted to log a complaint.
From here my painful journey started. There's no easy way like use a menu option in netbanking to log a complaint. Hence I called the customer service, who declined to register the complaint.
After arguing with them for 24 minutes and finally warning them that I will record the conversation from my side that customer support is refusing to log a complaint and escalate it to all levels, they logged a complaint no.
I was given a ref no MUMC08222960 over phone but I did not get any mail ack for the complaint. After 2 days I got a call from the bank's support informing my request number 21503737 is logged and they observe that the money is transferred to the exchange and the exchange will refund it in due course. I asked for a written response to my ticket - which they again refused.
Therefore, I had again to log tickets with Groww. When they asked for confirmation from the bank, I could only provide them my bank statement.
Hence Groww also has to investigate the payment chain again. I was taken aback by the IT systems of HDFC bank and their general approach to their customers.My observations: A) HDFC Bank customer care needs a "convincing" to log a complaint.
B) They call the customer complaints as "Requests". So probably they do their customers a favor when they look into the complaints.
C)My transaction was aborted by HDFC bank but it seems, they cannot implement a "Transaction" where either both, the debit to my a/c and the M[censored]nits purchase happens together or does not happen at all.
D)They use some stupid logic and that assumes transactions as fraudulent but don't think it's worthwhile instead, to implement something simpler, like asking for additional OTP confirmation. SBI uses this authentication very well.
E)They don't think it is important for the customer to get written updates on the complaints logged.

Another issue occurred on 23rd August. My account was debited with an amount with narration "ICCL WR CR REVERSAL". But the original Credit entry itself is not appearing in my bank statement.
Then what is the debit for? I went to the bank's branch today to inquire. The response was "May be this related to some mutual fund purchase". But they themselves could not locate the original credit entry that is expected to be seen in the bank statement.
Hence now I am back into the HDFC customer complaint lifecycle. I have to call them and go through the painful ordeal to get nothing in return!
HDFC Bank, may be for you, the customer's time and money is of least importance. But for me it is. I do not want to go through this experience again.
I immediately switched to SBI for online payments, I will close a few FDs that I have and will stop using your 'services'.
I also hold a few equity shares of HDFC and now realize after this first-hand experience why HDFC stock is not faring well against competition. I have better experience with SBI and ICICI for netbanking.
For me SBI branch services are not satisfactory, but ICICI definitely are. Also both of them provide much better netbanking than you.
- Abhay Vaidya

To
HDFC BANK Team.

Dear sir/madam.
Iam PARAMADILA MAHESH
from Hyderabad, Telangana.

SUB: Wrong enquiries added in my Cibil Report.

I never applied for a Loan enquiry from RBL BANK in this year 2022
But an enquiry was added in my cibil report.

Details are...

Member Name Date of Enquiry Enquiry Purpose Enquiry Amount
HDFC BANK 13/08/2022 Personal Loan 15, 00, 000
HDFC BANK 10/08/2022 Personal Loan 15, 00, 000
HDFC BANK 02/08/2022 Personal Loan 15, 00, 000
HDFC BANK 16/04/2022 Personal Loan 8, 00, 000

Due to this issue my cibil score is getting low and statusing me as a defaulter.
I request you to please remove these inquiries from my cibil report.

Thanks & regards
PARAMADILA MAHESH
+91 [protected]
PAN: CHFPP3889J
Email ID: [protected]@gmail.com
Control Number : 4, 969, 351, 945

Money has been deducted twice for mobile recharge from my PayZap account. But my mobile is not recharged and no refund has come till now.

Why my account is holding 1700rs by hdfc bank

TO
HDFC Credit card Team,

Dear sir/Madam
I am BHARATH SUPREME,
Hyderabad, Telangana.

SUB: Requesting for closer amount.

I have taken a Credit card from HDFC BANK in 2017
Loan A/C[protected]. Date Opened 05/06/2017 Sanctioned Amount Rs.2, 05, 366
Due to my financial problems and covid 19 effect i didn't pay bills properly
Now I request you to please provide me closer amount to close this loan
remove Negative flags in report.

thanks and regards
BHARATH SUPREME,
+91 [protected]
PAN: AZMPP1305J
Email ID:[protected]@gmail.com
Control Number : 4, 932, 814, 066

HDFC BANK credit card is imposing and charging wrong EMI on me for last 5 months : They are imposing EMI charge on the purchase of phone which was not purchased on EMI's and whose full payment was cleared on the same month i.e March[protected] Amount Payed Rs 18300/-
Details are given below
Other charges as follows:
Month April 2022
07/03/2022 JIVA PUBLIC SCHOOL FARIDABAD 4, 200.00
07/03/2022 IMPS PMT[protected]Ref# 00000000000307015153280) 4, 200.00 Cr
14/03/2022 ABM COMMUNICATION FARIDABAD 18, 300.00
16/03/2022 IMPS PMT[protected]Ref# 00000000000316009668187) 18, 300.00 Cr
17/03/2022 AGGREGATOR EMI - OFFUS (Ref# 09999999980317000157478) 18, 300.00 Cr
18/03/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980318004440415) 35.82
18/03/2022 OFFUS EMI, PROCNG FEE, [protected] (Ref# 09999999980318004440415) 199.00 04/04/2022 OFFUS EMI, INT NBR:01, [protected] (Ref# 09999999980404000748363) 278.16
04/04/2022 OFFUS EMI, PRIN NB:01, [protected] (Ref# 09999999980404000748355) 2, 837.83
Month May 2022
04/04/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980404000748363) 50.07
13/04/2022 GOOGLE PLAY MUMBAI 130.00
04/05/2022 OFFUS EMI, INT NBR:02, [protected] (Ref# 09999999980504000748881) 184.12
04/05/2022 OFFUS EMI, PRIN NB:02, [protected] (Ref# 09999999980504000748873) 2, 873.31
Month June 2022
04/05/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980504000748881) 33.14
31/05/2022 MADEEASY PAYTM NEWDELHI 1, 780.44
04/06/2022 OFFUS EMI, INT NBR:03, [protected] (Ref# 09999999980604000941062) 148.21
04/06/2022 OFFUS EMI, PRIN NB:03, [protected] (Ref# 09999999980604000941054) 2, 909.22
Month July 2022
04/06/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980604000941062) 26.68
04/07/2022 OFFUS EMI, PRIN NB:04, [protected] (Ref# 09999999980704000745834) 2, 945.59 04/07/2022 OFFUS EMI, INT NBR:04, [protected] (Ref# 09999999980704000745842) 111.84
Month August 2022
04/07/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980704000745842) 20.13 04/08/2022 OFFUS EMI, INT NBR:05, [protected] (Ref# 09999999980804000847851) 75.02 04/08/2022 OFFUS EMI, PRIN NB:05, [protected] (Ref# 09999999980804000847844) 2, 982.41
Month September 2022
04/08/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980804000847851) 13.50
04/09/2022 OFFUS EMI, INT NBR:06, [protected] (Ref# 09999999980904000846612) 37.74
04/09/2022 OFFUS EMI, PRIN NB:06, [protected] (Ref# 09999999980904000846604) 3, 019.64

What is this charges?

Now they are asking me a unjustified amount of Rs. 3019 on the purchase of product RS 18300/- Whose full amount was payed by me on the dated 18/03/2022. I have not purchased any product on EMI.
This whole process of EMI charge on me is unjustified and illigal.
I want this to be reversed.

2. Apart from the above, i always used to pay the minimum balance due. It was never made clear that minimum balance due will attract interest. This is a very deceptive manner of charging interest. It should have been made clear that minimum due will only ensure that penal charges arent levied but interest is. High interest rate itself is a charge.

3. I am using HDFC credit Card for last 10 years. I have cleared my all dues on time.

Kindly go through the case and take necessary action,

Dinesh Kumar

My credit card is showing andcharging : offus emi, on me without any product purchased by me
Other charges as follows:
Month April 2022
07/03/2022 JIVA PUBLIC SCHOOL FARIDABAD 4, 200.00
07/03/2022 IMPS PMT[protected]Ref# 00000000000307015153280) 4, 200.00 Cr
14/03/2022 ABM COMMUNICATION FARIDABAD 18, 300.00
16/03/2022 IMPS PMT[protected]Ref# 00000000000316009668187) 18, 300.00 Cr
17/03/2022 AGGREGATOR EMI - OFFUS (Ref# 09999999980317000157478) 18, 300.00 Cr
18/03/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980318004440415) 35.82
18/03/2022 OFFUS EMI, PROCNG FEE, [protected] (Ref# 09999999980318004440415) 199.00 04/04/2022 OFFUS EMI, INT NBR:01, [protected] (Ref# 09999999980404000748363) 278.16
04/04/2022 OFFUS EMI, PRIN NB:01, [protected] (Ref# 09999999980404000748355) 2, 837.83
Month May 2022
04/04/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980404000748363) 50.07
13/04/2022 GOOGLE PLAY MUMBAI 130.00
04/05/2022 OFFUS EMI, INT NBR:02, [protected] (Ref# 09999999980504000748881) 184.12
04/05/2022 OFFUS EMI, PRIN NB:02, [protected] (Ref# 09999999980504000748873) 2, 873.31
Month June 2022
04/05/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980504000748881) 33.14
31/05/2022 MADEEASY PAYTM NEWDELHI 1, 780.44
04/06/2022 OFFUS EMI, INT NBR:03, [protected] (Ref# 09999999980604000941062) 148.21
04/06/2022 OFFUS EMI, PRIN NB:03, [protected] (Ref# 09999999980604000941054) 2, 909.22
Month July 2022
04/06/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980604000941062) 26.68
04/07/2022 OFFUS EMI, PRIN NB:04, [protected] (Ref# 09999999980704000745834) 2, 945.59 04/07/2022 OFFUS EMI, INT NBR:04, [protected] (Ref# 09999999980704000745842) 111.84
Month August 2022
04/07/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980704000745842) 20.13 04/08/2022 OFFUS EMI, INT NBR:05, [protected] (Ref# 09999999980804000847851) 75.02 04/08/2022 OFFUS EMI, PRIN NB:05, [protected] (Ref# 09999999980804000847844) 2, 982.41
Month September 2022
04/08/2022 IGST-VPS[protected]RATE 18.0 -06 (Ref# 09999999980804000847851) 13.50
04/09/2022 OFFUS EMI, INT NBR:06, [protected] (Ref# 09999999980904000846612) 37.74
04/09/2022 OFFUS EMI, PRIN NB:06, [protected] (Ref# 09999999980904000846604) 3, 019.64

What is this charges?

Now they are asking me a unjustified amount of Rs. 3019 on the purchase of product RS 18300/- Whose full amount was payed by me on the dated 18/03/2022. I have not purchased any product on EMI.
This whole process of EMI charge on me is unjustified and illigal.
I want this to be reversed.

2. Apart from the above, i always used to pay the minimum balance due. It was never made clear that minimum balance due will attract interest. This is a very deceptive manner of charging interest. It should have been made clear that minimum due will only ensure that penal charges arent levied but interest is. High interest rate itself is a charge.

3. I am using HDFC credit Card for last 10 years. I have cleared my all dues on time.

Kindly go through the case and revert the charges Bank imposing for couple of mounths

Dinesh Kumar

I HAD BOOKED A TICKET LATER ON I CANCELLED IT FROM IRCTC, THE TICKET GOT CANCELLED THOUGH THE AMOUNT WHICH WAS DEDUCTED WHILE BOOKING THE TICKET WAS REFUNDED BY IRCTC, SUCH KIND OF MAIL HAS BEEN RECEIVED FROM IRCTC BUT MY MONEY HAS NOT BEEN RECEIVED IN MY HDFC BANK ACCOUNT
I MADE PAYMENT FROM MY UPI : [protected]@okhdfcbank.
Order no. :[protected]

Refund Date : 21 Aug, 04:06 AM

Refund RRN No. :[protected]

Refund Amount : 1, 154.50

Refunded To : UPI mayu****[protected]@okhdfcbank

please refund this in our bank account ending 3458
IFSC : HDFC000997

Hi HDFC Bank,

This is Ravi.I have taken a cash on call loan in 2019 from HDFc bank in year 2019. I was paying regularly without any miss. Due to bad financial situation I lost my job and become bankrupt.However I told multiple time to some of bank guys please provide me sometime to arrange the money to short this issue or if will not possible I will try to settle the account after arranging the Money.

But after that recovery guys entered they started calling me, my family, my friend and threating them. They call anytime and started abusing word. Started calling from internet calling.

I just wanted to do the complaint in those people they are harrassing mentally and physically

I request to Bank to setup a meeting with any decent manager of HDFc bank and I am ready to talk and resolve the issue asap.

Loan account no[protected]

Please contact me on registered mobile

Thanks

In 2017, I was issued a credit card on my salary account, and the mailing address was my work place which is a a school. Within 1 year I quit that job. But I never received any credit from the bank during my tenure in that workplace. Later I started receiving calls to receive the credit card and they kept mailing to the school when I was not even working there anymore. I have not received or have been delivered any credit card by the bank and yet my outstanding amount is rs 4000. Due to which my cibil score has taken a hit. Why should I pay the amount for which I have not received any credit card nor used any service.

We are channel partner of hdfc bank with code 420735. We have done business of about approximately 1 Crore with hdfc bank. We are a two wheeler dealership. We agreed for payment on every two wheeler loan we refer to hdfc bank and were to get 2 % payout on the loan amount. Till date no payment has been received and now we have been provided an invoive of 19000 approx for total business done instead of actual amount i.e. 200000 approx. Reason provided is that HDFC bank will pay only for files referred after opening of vendor code. But no such thing was conveyed to us. Moreover if that is the case then the delay caused in opening code is delebrate as we provided documnents on day 1 of our meeting. But they kept on asking for same documents again and again so as to delay opening of vendor code. It is requested to make them liable to pay our dues and if the platform fails to do so then guide us to prosecute them in court of law to hold them accountable for this fraudulent attitude and set their callous attitude straight and make an honest organisation out of them.

Power and Torque
VENDOR CODE 420735

I am a saving aacount holder in hdfc bank.in mirganj branch bihar but my after visiting my nearest branch since 3 days, my kyc status is still in pending not update .please update my kyc as soon as possible.hdfc bank teams not focus in my kyc status

Hdfc bank always keeps amount on hold for no reason, customer service cannot explain it, it is something mi revenue hold through gefu and it really is inappropriate. It has kept my 21, 370.56 rs on hold .

PRADEEP MOHAN
Loan no 5577003
Loan settled last year
Now forclosure this Loan
Contect no [protected]

I have credit card bill outstanding Rs. 1, 33, 000, that out standing amount converted to 24 months emi, even after paying recent emi, they again hold amount Rs. 19, 640. why HDFC bank holding amount even after emi?

phone no : [protected]
credit card no : [protected]

I want settlement, I have no more intrest on paying emi. worst bank ever

The employee named Saint asked me for Rs 10, 000 for starting savings account and asked me for a cheque from other bank later I get to know that it's just 5, 000 to start a saving account in semi - urban branches
Also he never informed me that we can start account by depositing 5000 and later when I called he is lying alot and saying this is bank policy and all

I am receiving call from HDFC everyday for loans and Credit card offers, I have requested many executives when i receive calls from them that I do not have any requirements and stop calling me everyday but they are continue to call everyday which is very annoying.

Dear Sir/Madam,

Ref: HDFC two-wheeler loan ` 32451797

On a scrutiny of my Equifax bureau report, I observe that the referenced account has been reported with a Settled status in the repayment history. This is hindering my ability to avail fresh loans and I would like to know what needs to be done to update the account status as CLOSED/STANDARD. I need your assistance to resolve this issue with the bureau and help me become loan eligible.

[protected][protected]

Hi, My Name is Shubham Taver.
I have worked in Hdfc bank T/W Loan branch Shujalpur Madhya Pradesh .
From 15/03/2018 to 15/01/2019.
Please provide my Resign letter and reliving letter.
Thank you .
SHUBHAM TAVER
Employee code- S00400
My email address - [protected]@gmail.com
Contact number - [protected]

I opened a salary account online in HDFC Bank on 19th August 2022 and I was suppose to receive my welcome kit via Bluedart on 25th August 2022 but still I haven't yet received my welcome kit. I tried contacting Bluedart and HDFC regarding the same but received no positive response. Neither did Bluedart contact me for delivery.

On 1st September 2022 I received a message from HDFC stating that my welcome kit has been returned back by Bluedart. After this I tried contacting HDFC but they were unable to provide me any information.

I need the documents at urgent as i have to provide my bank details to the company for salary purpose.

Please help me with my query ASAP.

Regards
Saqueb Akhtar
email Id- [protected]@gmail.com