HDFC Bank Complaints & Reviews

One of your employee cheated on me. She said my policy is 5 year plan and I trust her, she also said that she will give her commission for this policy to me.

Her name is Anjana Barua ([protected]),
email [protected]@hdfclife.in

Ref no: MUMC[protected]

My ATM card was fraudulently used to withdraw INR 43200 ( 40K + 3.2 K) on 14th March at Powai, Mumbai. However I am based out of Bangalore and have never used the card in Mumbai for any transaction from Feb 2016.

I have raised the concern with HDFC and haven't heard nothing from them since then. I have been repeatedly following up with them, however the customer care refused to transfer me to any relevant department, in spite of submitting all relevant documents (FIR, debit card, transaction dispute form) as asked by HDFC.

As per the RBI regulations, no ATM machine should dispense more than 20K at one go, however this particular ATM has dispensed 40K in one shot.

I am sure all the ATM machines are equipped with monitoring devices and as such it should not have taken HDFC so much time to check the details, given they have the transaction date, time and ATM ID on their systems.

Since HDFC has disabled my ATM card and internet banking, I am unable to perform any transaction. I need the issue sorted with immediate effect and the my money refunded to my account.

I am not sure how can my card be used without my knowledge to withdraw an amount in excess of permissible limit at one go.

Attached are all the documents submitted to HDFC.

[protected] Forwarded message[protected]
From: "Yogesh Jadhav"
Date: 22 Mar 2016 11:51 a.m.
Subject: RE: HDFC Home Loan Application[protected]
To:, "rushikesh sonkul"
Cc: "tejasmore", "Sourabh L", "Shubhangi Borude"

Dear Rushikesh:
Gentle Reminder 9
Can you please show some courtesy to let me know current status of this refund process. I can understand from such a delay that this is a herculean task for bank to process this refund.
Still i would expect some additional help to process this for a customer who is associated with HDFC for more than 6 years with all types of accounts and savings.
Thanking You
Yogesh Jadhav
[protected]
On 21 Mar 2016 2:37 p.m., "Yogesh Jadhav" wrote:
Hi All:
Gentle Reminder 8!
Can you please process this and update me asap.
Yogesh
On 17 Mar 2016 9:13 a.m., "Yogesh Jadhav" wrote:
Hi Rushikesh:
Gentle Reminder 7 !
Warm Regards,
Yogesh Jadhav
[protected]
On 15 Mar 2016 11:58 a.m., "Shubhangi Borude" wrote:
Hi,

Gentle Reminder 6!

Can you please act on this on priority.

Regards,
Shubhangi Jadhav

From: Yogesh Jadhav [mailto:yogesh.[protected]@gmail.com]
Sent: 14 March 2016 15:43
To: rushikesh sonkul
Cc: [protected]@gmail.com; Sourabh L; tejasmore; Shubhangi Borude; [protected]@hdfcsales.com
Subject: Re: HDFC Home Loan Application[protected]

Hi :
Gentle Reminder 5!
FYA.
Regards,
Yogesh Jadhav
[protected]
Dear Rushikesh:
I appreciate that but its in process from 18th Feb 16, which is beyond my understanding.
I hope you can clear it in a day or two and pass on refund check to Mr. Rayagonda Kasture or else directly deposit it to bank account through ECS.
Thanks,
Yogesh Jadhav
[protected]
On 12 Mar 2016 9:56 a.m., "rushikesh sonkul" wrote:
Dear Mr. Yogesh,

Your Refund request is already in process.


Thanks & Regards,
Rushikesh Sonkul
HDFC SALES PVT. LTD.
PUNE


From: Yogesh Jadhav
Sent: Fri, 11 Mar 2016 19:52:52
To: [protected]@hdfcsales.com
Cc: [protected]@gmail.com, Sourabh L, shubhangi.[protected]@kpit.com, tejasmore, [protected]@hdfcsales.com
Subject: Re: HDFC Home Loan Application[protected]
Hi :
Gentle Reminder!
Kindly process asap and refund my processing fee cheque immediately. Or else i would need to escalate this to appllete authority.
Yogesh
On 2 Mar 2016 10:57 a.m., "Yogesh Jadhav" wrote:
Dear Rushikesh:
As Discussed over call, please respond to my my mail on my processing fee refund status.
I have not expected this kind of delay in processing this request from bank like HDFC. Me and my wife are associated with bank for more than 5 years and having salary accounts and other savings with HDFC. I am loosing trust with HDFC due to such incidences.
FYI.
I may escalate this matter with superior authorities, if action is not taken and if this is not closed within this week. Please take a note of it.
Warm Regards,
Yogesh Jadhav
Associate Manager
HCL Technologies Ltd.
[protected]
On 1 Mar 2016 5:05 p.m., "Yogesh Jadhav" wrote:
Hi All:
Its been almost 10 days since i am requesting for processing fees refund. Please process this and update on this with priority.
Thanking You
Yogesh Jadhav
[protected]
On 18 Feb 2016 9:42 a.m., "Yogesh Jadhav" wrote:
Dear Rushikeah/Rayagonda Sir,

Kindly go ahead with the cancellation of this home loan request and please initiate refund of processing fees.


Update me asap on this.

Warm Regards,
Yogesh Jadhav
+91 [protected]


________________________________________
From: Yogesh Jadhav [yogesh.[protected]@gmail.com]
Sent: Wednesday, February 17, 2016 9:57 PM
To: Yogesh Jadhav
Cc: [protected]@gmail.com; [protected]@hdfcsales.com; Sourabh L; raygondakasture; tejasmore; shubhangi.[protected]@kpit.com
Subject: RE: HDFC Home Loan Application[protected]

Hi all:
Can you please let me know the status of my application.

Yogesh

On 15 Feb 2016 10:47 a.m., "Yogesh Jadhav" wrote:
Dear Rushikesh:
FYI.
In line to the below mail, please find attached Performance Bonus (Variable pay) payout letter from HCL. This is around 1.14 lacs per year in addition to salary. You may add this to the actual salary so that loan eligibility can be enhanced.

Warm Regards,
Yogesh Jadhav
+91 [protected]/ [protected]
Personal maid ID: yogesh.[protected]@gmail.com
From: Yogesh Jadhav
Sent: Sunday, February 14, 2016 6:35 PM
To: '[protected]@hdfcsales.com'; yogesh.[protected]@gmail.com; [protected]@gmail.com; shubhangi.[protected]@kpit.com
Cc: raygondakasture ; tejasmore ; Sourabh L
Subject: RE: HDFC Home Loan Application[protected]

Dear Rushikesh:
Please find attached requested documents:

1. Applicant's Appointment letter required. – Attached
2. Co applicant's relieving letter required. – Attached
3. Applicant's & Co applicant's January salary slip required. – Attached (this month in hand salary is low, due to extra tax is deducted due to non-submission of actuals proof on time; however that will be reversed in next month salary.)
4. Property cost break up sheet required. – Attached (modified based on recent flat selection)
5. Applicant's last company relieved in 2012 and current company joined in 2014, kindly provide details of gap period. – Attached (I did my full time MBA during this tenure and documents are attached for reference.)
6. Remaining own contribution source proof of Rs. 387669/-. – Attached (Though it will get change based on new loan requirement, I have shown around 1.5 lacs cash and 3 lacs of Gold, also I am having PF amounting to around 1.5 lacs and LIC deposits around 2 lacs.)
7. Personal Loan of Rs. 100000/- Dt. 21/05/2015 current outstanding Rs. 51616/- repayment track required. – Attached


Thanking You in anticipation!


Warm Regards,
Yogesh Jadhav
+91 [protected]/ [protected]
Personal maid ID: yogesh.[protected]@gmail.com


From: [protected]@hdfcsales.com [mailto:[protected]@hdfcsales.com]
Sent: Friday, February 12, 2016 12:40 PM
To: yogesh.[protected]@gmail.com; Yogesh Jadhav; [protected]@gmail.com; shubhangi.[protected]@kpit.com
Cc: raygondakasture ; tejasmore ; Sourabh L
Subject: HDFC Home Loan Application[protected]

HDFC Home Loan Application[protected]
Dear Mr. Yogesh Jadhav .

Thank you for choosing HDFC for availing yourself of a home loan.

We have received your home loan application and have reviewed the same.

We request you to kindly provide us with the following documents at the earliest possible enabling us to submit a complete application form for sanction.
It is preferred that you email a scanned image of the document enabling quicker turnaround. Kindly ensure that all the documents are attested by you (self attested) prior to remitting the same to us.
1. Applicant's Appointment letter required.
2. Coapplicant's relieving letter required.
3. Applicant's & Coapplicant's January salary slip required.
4. Property cost break up sheet required.
5. Applicant's last company relieved in 2012 and current company joined in 2014, kindly provide details of gap period.
6. Remaining own contribution source proof of Rs. 387669/-.
7. Personal Loan of Rs. 100000/- Dt. 21/05/2015 current outstanding Rs. 51616/- repayment track required.
Please note that we are banking your procesing fee cheque immediately. Kindly ensure adequate balance in your account.

HDFC’s fee policy entails a deduction of a statutory minimum fee of Rs. 2000 ( plus taxes) should HDFC decide to not sanction the loan or provide a lower loan amount which may not acceptable to you.
In case an applicant misrepresents any facts to us, HDFC will retain the entire processing fee and no amount shall be refunded.


Thanks & Regards,
Rushikesh Sonkul
HDFC SALES PVT. LTD.
PUNE

Hi

This is Prakash Singh Kaushik

On 22/03/2016 There is a false transaction happened in Debit Card.

Rs. 642.89 have been deducted and when i checked the mini statement it showed that it was a DCD Transaction. I visited an nearest ATM I came to know about this false transaction. Would request you guys to get the amount again credited in my account. Tried contacting your customer service they redirected to accounts / finance team where no one responded. Next few attempts failed as no one from customer care picked up my call.
Kindly look into this case and get it resolved ASAP.
Also, I have not seen any response from your customer care team except for one query. Your website also do not state about these DCD issue, whereas I can see a lot of people are facing this issue. Can't you just explain or notify your customer on what this issue is and what they need to do if a transaction like this appear in their statement. You guys keep on sending bad mail for promoting your products and calling every now and then for loans, but you do not have resources for answering to customers of existing services. Really disappointed with the services provided by HDFC.

Regards,
Prakash Singh Kaushik

1.transaction date 16/Feb/2016
transaction amount 2731 Rupees

2.transaction date 17/Feb/2016
transaction amount 2394 Rupees

That didn't done from my side. its a dispute transactions, So i want to money back in my account.

My old Prepaid card is expired and i have applied for new food card on 2nd Feb. My old card no is [protected] and new card - [protected].I have sent mail to prepaidcard.[protected]@hdfc.com, srinivasan.anamalai, biswanath.dasgupta. I have not received any response from these mail id. In spite of this my new card is blocked without my knowledge. I have applied new card again and sent mail to these team, called customer care twice every week, but resolution is not provided. I have also raised complaint through phone banking - MUMC[protected]. without giving resolution complaint has been closed, when checked with customer care, they told due to some issue in back end complaint is closed without solving the issue. So i have again raised a complaint - MUMC[protected]. I have also raised complaint in HDFC Bank complaint form. Till now it is not resolved.

I, PRAMOD RANJAN MONDAL, havind the loan a/c no[protected] for Two wheeler, EMI was 188/- from Nov 2013. With no due I have setteled the EMI in time. But have not got the NOC from the End of HDFC Bank. Went ot nearest Branch they demanded me Rs. 500/-(five hundred for the Noc. Why I will pay that amount.There was no such agreement on the Loan papers. The Branch said that NOC had sent to my Postal Address but no proof for the has been displayed to me. Now I want to Complain in the Consumer Forum against the HDFC Bank for such behavior if The NOC is not dispatche to me withen a fortnight.
I am sure NOC was not sent to me. If so give the proof of that.

Pramod
Mob No[protected]

HI
I was using HDFC credit card till 2010. In 2011 I sifted to Delhi from Hyderabad and was not using that card afterwords, around 2012 they sent a new card to me and some due amount too. I requested them to give the details of the due amount which was never sent to me. then the CCE asked me to accept the new card and start using it but I continuously asked them to provide the Full and Final statement for the last card which is never provided by them, they followed mostly every year end but never provided me the details.
Now they troubling me a lot with sending mails.

One of the last complaint addressed by them was as follows :---

+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

Dear Customer,

Thank you for writing to us.

This is a system-generated response to acknowledge receipt of your e-mail to Grievance Redressal Cell.

The subject line contains the reference number allotted to your e-mail.

This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Your feedback is important to us and we are committed to provide a satisfactory resolution.
Our Customer Service Executive will respond within 2 (Two) working days.

In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution.
　

IMPORTANT:

Hotlisting of card: Loss of ATM, Debit card or any other Card issued by our Bank must be immediately reported to our Phone-Banking unit to have the card hotlisted (cancelled). The Phone-banking facility (Hotlisting Desk) is available round the clock. Alternatively, please log in to Netbanking and submit your request for hotlisting of the card.

Unknown Beneficiary Addition/Transfer of fund: In case you have received a message stating that a transaction has been done using your NetBanking login or a beneficiary has been added into your NetBanking account, please immediately call up our PhoneBanking Numbers and get necessary action taken. Please remember that such a timely action from your side will defeat the designs of the fraudsters.

Please click on the attached url for details of nearest Phone-Banking centre:

http://www.hdfcbank.com/personal/find-your-nearest/find-credit-card-helpline-num...⇄

Assuring you of our best of services.

Warm Regards,

HDFC Bank Ltd.

+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
In-spite of mentioning to be contacted by CCE within 2 days nothing happned.

Please suggest how to deal with this.

Thanks
Rajni

Hi I want to cancel my Credit Card, with No.-[protected]. They started charging me for Medical Insurance Premium without taking my express consent for the same, took my signatures in the papers and are not cancelling the same. It has added to my expenses unreasonable. Please help me cancel the given HDFC Bank Credit Card.

Regards,
Customer.

My name is Gagan Oberoi.

My ATM card has been hacked and misused by someone else on 20 mar 2016. Amount of Rs 23000 has been withdrawn in total by 3 transactions (10000+10000+3000). Here I want to throw light on security provided by HDFC bank. How can this be happen? Is our money not even secured in bank. What kind of security HDFC bank provide to their customer.

I really want you to take strict action against the bank as I want my hard earned money back at any cost..

I Baljit Singh Kaushik with my wife Renu Sharma from Rohtak (Haryana) got a personal loan from HDFC Bank in 2010 with A/C Number16068460 .Initially, we were told that we were getting the loan from HDFC [protected]@12.8%interest but were shocked to receive the letter from bank depicting it @16.5% interest after some months. We paid all the EMIs from March 2010 to January 2011 regularly and wanted to repay the loan completely as the rate of interest was too much. To our surprise, the bank refused to take full loan amount. I talked to the HDFC bank authorities and kept on paying the installments regularly .Finally, the full and final payment was done 0n 01/07/2013 as asked by bank and the bank issued a full and final settlement/Closure letter Ref: 16068460/156/S19629/010713/c/001.We just came to know that our name is in CIBIL defaulter list and we are unable to apply for a loan. It is highly shocking for us.
Sir/Madam, me and my wife are Associate Professors in Reputed colleges and well-paid off by the Government .We have sought a Home Loan LBROH[protected] in 2014 from ICICI Bank and are regularly paying the EMIs of Rs. 37360/-.We are cheated by employees of HDFC Bank. So we appeal to this forum to get this solved at earliest possible.
Please give suggestion for my problem and what is my next step.

Regards
BALJIT SINGH KAUSHIK & RENU SHARMA
Ph:[protected]
email id:[protected]@rediffmail.com

I got a brochure of HDFC Home Loan which says 0% Processing Fee and No Hidden Charges. I applied for home loan transfer. Even after 45 days, the application was still under
processing status. In the mean time they presented my (so called refundable fee) cheque of Rs.12030/

I did not get any kind of service, but wasted my time and efforts for more than 45 days. so, I requested to cancel my application and asked for the return of my full
refundable amount. But they now want to deduct Rs.2000+taxes for not providing any kind of service and support.
They mentioned refund of Rs.9740 will be done with in a week, its more than 15 days now but no updates on that too.

I want to make sure they refund my full Refundable amount of Rs.12030/

I received a call from HDFC Ergo recently and they said that I have to register for a policy to protect my credit card and it's mandatory for me. They will provide me a health insurance policy plan for 2 years. Unless I take the policy they will snatch back my credit card. I enquired about the matter with our nearest HDFC Bank where I was assured that there is no such terms and conditions of opening a mandatory policy. That's why on the next day, when I got the same call from HDFC Ergo, I directly refused it. But today on 20/03/2016 I have received an SMS from HDFC bank that my credit card was debited for an amount of Rs. 9000 against the HDFC Ergo policy and they will send the policy details shortly. Now I want my money back and if I don't get it then I will file a case against the company in the court. Please help me out of this situation.

I was opened a savings account but till date cheque book and atm not delivered to my residential address. They are not found my house. Whereus my passport, sbi savings and credit card related documents, lic, Bank of baroda savings account related documents and most important HDFC credit card statement and other documents received at my residential address.
Please look into the matter.

Worst executive in collection for not accepting the customer speech i am file an case againist your bank
Executive id no : veve311090
Executive name : velusamy . E

I have a HDFC LIFE policy for which I called on [protected] and requested for a cheque pickup on the 7th March 2016, I was told that I would receive a call within 48 hrs and it would be done, since I did not receive a single call, I called back again on the 13th March, I got the same reply and when I asked if my policy LAPSES who would be responsible ? The call was cut off, no one called even .after that
Again I called back on 16.03.2016 spoke to Bharati and gave a complaint & also requested to be connected to some senior person, I was not connected Nothing happened even after that .
Today 19.03.2016 I called again, spoke to Raj asked him to connect to a senior person, After keeping me on hold for a long time says his Madhavi Mam is busy on another call & would call me back at he end of the day .I asked him what was my policy date & he tells me it is 22nd March 2016 ..My Health is getting affected too .
They have to know the difference between CUSTOMER CARE & CUSTOMER HARRASMENT.
If my POLICY LAPSES, WHO IS GOING TO BE RESPONSIBLE ??????
AND IF LAND UP IN HOSPITAL DUE TO THIS HARRASMENT, WHO WILL BE RESPONSIBLE???????

Sir i try to book a railway ticket on 9 march by using hdfc net banking
But the tickets are not booked.they amount will be credited with in 5-7 working days but its not credited.
Kindly look into this matter

Dear Team,

My Policy Number :
14856559

Full Name of the Life Assured :
B R C Murthy

Date of Birth :
14/08/1971

Name of Beneficiary or Nominee :
Rama Laxmi

Premium amount :
25455

Communication Address :

House No. 6-110/57
Road No. 2
Navatha Avenue
Nagaram
Hyderabad-500083

Sir,

My HDFC account no [protected]
My customer ID is 37450942

They are charging me monthly Rs 350/- for non maintaining

if fund is not maintaining means they can block my account for that.
Instead of that, how they can charge like this.

Non maintaining fund means, don't have money to maintain.
if charging means, how I can able to pay that amount.

please help on this

Chandrakumar
[protected]

Hi,
This is Ahamed Bazeer. I am using HDFC food card and card no: [protected].
I was used my card on JAYAM SUPER MARKET on 20th Feb 2016 for RS 952.
But the issue is debited same amount for twice from my account.

I shared to HDFC all documents regarding this transaction. But nothing response get from HDFC. I don't this amount will refund or not. Now I am fearing to use HDFC card.

My ticket no : FPQ23382

If you need any more information. Please call me on [protected]