HDFC Bank Complaints & Reviews

Hi, I had taken a personal loan with HDFC an year and half ago. Though the loan was sanctioned and disbursed and my track record of repayment if perfect I am facing some concerns with the unwanted SB account. I was asked by the branch personnel to open an HDFC SB Account. Later they said that 10K was the minimum balance required. I had maintained that amount for sometime but withdrew it an year ago due to some personal emergency. There have been no transactions with the account till date, I recently logged into my account online and to my surprise it had a negative balance of 7000. Charging 600Rs odd per month for non maintenance of account is way to high. Didn't RBI come up with norms few months ago stating charges for non maintenance of account balance should be stopped? Please advise. I did raise a complaint with the customer care, complain# BANC[protected] which was not very helpful. Can you please help me waive of these charges as its quite a big amount and it's not feasible for me to pay. Isn't it feasible to convert my account to a zero balance account?

My daughter was been admitted in Rainbow Hospital on October 19, 2015. Rainbow is a specialty children's hospital in hyderabad. my daughter was admitted to vikrampuri branch. Prior to admission the hospital notified me that HDFC LIFE is not accepted at their hospital. I made payments in cash and with credit card at the time of discharge. I have called HDFC life helpline asking them to send me a claim form repeatedly, which they have not sent me. I had to call up the person who sold me the insurance for a claim form. I have sent the duly filled form along the the discharge summary from Rainbow Hospital and past three months records of primary physician, which they acknowledged by e-mail on October 29, 2015. MY CLAIM NUMBER IS[protected]. I received an e-mail on November 4, 2015 asking me to provide further documents listed below, 1) Kindly provide attested copy of indoor case papers with nursing chart of hospitalisation with TPR charting 2) Kindly provide bank details with cancelled cheque for facilitation of claims payment through electronic fund transfer.1) Bank Name, 2) Branch Name, 3) Account Number, 4) IFSC Code, 5) Cancelled Cheque. with digital signature/ name printed on the cheque or copy of passbook of the proposer. I have sent the above documents on November 10, 2015 through courier. I received another e-mail on November 13, 2015 asking for the above documents again. 1)Kindly provide bank details with cancelled cheque for facilitation of claims payment through electronic fund transfer.1) Bank Name, 2) Branch Name, 3) Account Number, 4) IFSC Code, 5) Cancelled Cheque. with digital signature/ name printed on the cheque or copy of passbook of the proposer. 2)Kindly provide attested copy of indoor case papers with nursing chart of hospitalisation with TPR charting Again I received a mail on November 17, 2015, acknowledging receipt of above documents and insufficient documents once again. 1)reply received on 13.11.2015 is insufficient. 2)Kindly provide bank details with cancelled cheque for facilitation of claims payment through electronic fund transfer.1) Bank Name, 2) Branch Name, 3) Account Number, 4) IFSC Code, 5) Cancelled Cheque with digital signature/ name printed on the cheque or copy of passbook of the proposer. On November 17, 2015, I have sent a picture of my cheque as attachment to [protected]@hdfclife.com. I called up the helpline[protected] to confirm whether they received it, which they acknowledged that they received it. TODAY, ON DECEMBER 19, 2015 AFTER ONE MONTH AND TWO DAY, THEY SENT ME A MESSAGE ON MY PHONE THAT THEY REQUIRE MORE DOCUMENTS TO PROCESS MY APPLICATION. THIS EXPERIENCE IS OF A WORST KIND EXPECTED FROM HDFC LIFE. THEIR ONLY INTENTION IS TO DILUTE MY CLAIM. WHY DID THEY NOT ASK FOR ALL THE DOCUMENTS ON DAY ONE. WHY DO THEY NEED A MONTH AND TWO DAYS TO REALIZE MORE DOCUMENTS ARE REQUIRED. AT THIS RATE HOW MANY MONTHS IF NOT YEARS WITH HDFC LIFE NEED TO CLEAR A CLAIM. I AM CONTEMPLATING TO APPROACH CONSUMER COURT AS WELL AS CRIMINAL COURT FOR FURTHER RELIEF AND TO TEACH THEM A LESSON FOR TAKING CUSTOMERS TO A RIDE. S. KARUNAKAR REDDY POLICY NUMBER 90140985. [protected]@yahoo.com

Sir., I have paid premium of Rs.15, 674/- on 08.12.15 for reviving the policy No. 17039912. But I didnt get receipt till now. So please mail the receipt to my registered mail id: pattem.[protected]@gmail.com

This is to inform that my savings account[protected] has been blocked without any intimation to me. I didn't expect this kind of service from a premium bank like HDFC. Right now I am in another state for some work and I am in deep trouble as I am unable to access it. I want immediately to activate my account so that I can make necessary payment. A cheque in favour of Apollo Munich is also given and if my account is not activated immediately I will held your bank to be responsible for non-payment of my cheque and I will be bound to take legal action against your bank.

I have booked a ticked form bangalore to vishakapataman and cancelled the ticked but still i have not received my refund. This is the mail i have received form Goibibo team. Dear Customer, We have processed a refund of Rs. 2628.0 for your BLR - VTZ booking (BookingID - AKFC4RWP) via your original mode of payment. The Bank Reference Number for the transaction is None. Amount shall reflect in your account in 4 to 5 working days depending upon your bank's settlement terms. In case of non-receipt of amount, please be advised to check your unbilled card statement or contact your card/bank dispute team with quote of the refund details provided by goibibo. Note- Settlement in case of some nationalised banks may take longer depending upon the internal settlement practices followed. It was pleasure serving you. goibibo team

My total outstanding was 62000 and HDFC has put a hold on my Rs13586(savings account) and I have asked them to take the money from my account multiple times but they are not taking it. I have called their customer care multiple times and they fool me saying that an executive will call me but no one called me yet. Although on email they have provided some numbers to contact Delhi[protected]/66668102,[protected] but these numbers are never received or wrong numbers. They are actually harassing me mentally.

I am HDFC customer since 2006 (Prefferd NRI). I had applied for home loan which I had cancelled because o[censored]nprofessional behaviour of HDFC staff. It is almost three weeks that i had requested HDFC bacnk to return my money as well as file back. But as usual no reply. So i want to complain about Swatantra Priya Singh (Deputy Manager - Mortgages HDFC SALES PVT. LTD.Gurgaon) and Monika Popli (Credit Officer) to whom I and my family tried a lot to contact. These people don't even bother to reply to customers. Even i had raised a complaint in HDFC portal. But no reply. Beware of this bank I would say. Bank staff don't even bother about their customers. They are more interested in their commisions that they can get after making people fool Kunal

I had Booked two flights using Smart Buy and then later cancelled the flight but not yet got the Refunds processed even after sending multiple Emails. I have not got even the response from them on Email even after a month. Smart Buy Reference Number: [protected] HDFC Bank SmartBuy Ref No : [protected] Seems to be the worst service from brand like HDFC. Regards, Sumit Arora Email: [protected]@gmail.com Phone: +[protected]

Twice I applied for Credit trough Online but still I not got any update regarding Status of Credit Card. Eventhough all document was correct. Please Verify the Issue urgent base.

Name:Sujit Kumar Basuri

Contact No:[protected]

E Reference No:[protected]

Hi HDFC Team, Issue me NO DUE CERTIFICATE with Regarding the Credit No: [protected] of Ankineedu Chowdary Saranu With Ref:S1248421 .PFA the Settlement Payment Customer copy.Please contact me On +91-[protected] for any further clarification . Thanks Regards Ankineedu C Saranu

Subject - Reversal of Charges Following points - 1. Have been trying to change my address by calling the call center number many times with no effect. The result being I skip the payment on time and unnecessary penalties and service charges keep getting added in the next statement. 2. Deliberately time consuming 'IVRS' for Credit card queries - I have spent atleast 15 min's every time to get to the person to talk for Credit card queries. You IVRS option doesn't account for every possible problem and I guess it is deliberately kept that long to force people give up.- That way the charges get augmented every month 3. No RESPONSE to mails sent to customerservices.[protected]@hdfcbank.com. Your Custome Care executive insists response to come within 24 hours. Yet I don't see any response 4. HDFC doesn't communicate the reasons for cheque not submitted for clearance even after me calling the customer centre to figure out the status. Subject - Reversal of Charges Following points - 1. Address not changed despite several calls 2. Deliberately time consuming 'IVRS' for Credit card queries - I have spent atleast 15 min's every time to get to the person to talk for Credit card queries. The idea is to force people give up following them. 3. No RESPONSE to mails sent to customerservices.[protected]@hdfcbank.com. Your Custome Care executive insists response to come within 24 hours. Yet I don't see any response 4. HDFC doesn't communicate the reasons for cheque not submitted for clearance (against last statement). There is no acknowledgement given for the cheque submitted for credit card statement. If the cheque doesn't clear (because of any technical reason), HDFC neither bothers to inform about 1. Cheque not cleared 2. Reasons for above It is left to the hapless individual to follow up to even know whether the payment made by him has indeed being cleared. 5. Even personal visits to bank branches doesn't help - There is no dedicated credit card counter. All every one seems to say is talk to them over the phone. 6. Was told by the customer executive over the phone that the process to stop the credit card to is drop an application for the same in a HDFC ATM drop box. I did the same weeks back. So far I haven't got any acknowledgement on the same or any reasons why my application can be proceeded with or not. Outcome of above - Late Charge Penalties keep getting augmented and the hapless customer has to pay. Are their processes for other banking aspects - applying for loans, accounts, etc that unresponsive? What I desire - Stop the Credit Card (with my penalties getting reversed if [possible) Thanks, Jatin Sutaria

I have a account with HDFC which was salary account before, but now my employer is changed and they do not have option for HDFC to choose as salary account so i chooses another bank as my salary account. Now HDFC have policy to maintain 10000 rs on the account and since i am not able to maintain min balance of rs 10000 in HDFC, I want to close my account because every month around 500 rs are getting deducted from my account, but I have FD in this account which was opened for tax saving, so I went to nearest bank branch in my area and asked them to close my account and provide me the certificate for FD but they are saying that this cannot be closed since I have opened FD in this account. I am really disappointed from this, and i feel like i have done a bigger mistake by choosing HDFC account anf then opening FD with this bank.

I have paid a total sum of Rs. 60, 000 towards my credit card outstanding hence, i am receiving calls to make payment of 3000.

In my November cc bill 575/- has been added as FIRST YEAR MEM FEE INCL ST & SBC 575/- . I am really confused after seeing this, At the time of issuing the card HDFC people said me that card was free of cost with no annual fee and it will be waived off. if I use more than 30k. even though u charged

I already see a lot of complaints on this subject against the bank. But the bank is still charging unnecessary amount. On 16.12.2015 i have been charged with Rs 572.50 against INTER-BRN CASH CHG. My account number is [protected]. Can any action be taken against the bank for such withdrawal without notice or being informed.

Hi, My credit card number is [protected]. The HDFC credit card section had sent me an DD/Cheque of RS 40000 which I had discarded as had not applied for any Insta loan. But the bank is claiming the Insta loan EMI from this month. Am trying to reach the customer care for exactly 8 times, they literally didn't respond, each call of mine would auto disconnect after 15 mins. Kindly suggest me. I wana lodge a legal complaint on this

Since 2 years I am not using credit card and account is also closed but still they are charging for credit card.The card was sent to Chennai for discontinuation of Credit card along with the application but still they are asking to pay the annual fee which itself is not acceptable. For this reason, other bank is not issuing the new credit card. Pathetic customer service. tried calling customer care but no one is providing the solution and visited the home branch still no solution. customer is seeking support but no one is there to give solution. Kindly revert on the same to the below-mentioned email id otherwise will take it to legal. Regards Mansi Gupta [protected] [protected]@outlook.com

When I was trying to buy a product online by using HDFC Bank credit card, the error was shown that This card is not supported in India. when I talked to customer care of Bank, they have advised me that, while purchasing, I can select "Cash on Delivery" option, and when the courier boy come to deliver me the product, I can swipe my credit card in swipe machine and convert my payment into EMIs. Now, when I am standing at the point of receiving the product, the Bank is telling me that that option of converison is not available to me and I am not eligible for that benefit. Please do help me as I will not be able to make the full payment in cash for credit card and cant wait for availment of that offer to me.

Good Day ! Cust ID :[protected] AC.No : [protected] - Loan Account No: 3694105 I would like to share my very worst experience which I had with HDFC BAnk loan department. On 25 November I got the 10 seconds personal loan for 448000/- (Loan No: 3694105) and it has been credited same day. I have utilized Rs.90, 000 and I kept the balance Rs.3, 50, 000 in my account for further commitment. Yesterday afternoon I checked my account around 4 PM it is showing Zero balance and my account balance amount Rs.3, 50, 000 kept on Hold by your stupid Loan Department without any prior intimation to me. After that I Called you useless customer care team and they are not able to tell what happened to my account simply they replied, ’ you go and contact your Home Branch. After taht I went to my Home Branch Saligramam chennai, and I met another your useless cutomercare executive Ms.Sofia Balin, she replied me, “ Please contact Phone banking or directly you go to Personal Loan department in T.Nagar. From there I went to Personal Loan department and I met another your useless staff Ms.Pavithra Balan[protected] and simply replied “ You are not eligible for this 10 second loan and our team wrongly processed and disbursed the amount so we kept on Hold your account balance also she asked me to pay the Rs.90, 000 to close this loan” For her statement, I was totally upset If I am not eligible means how they processed and credited the amount on 25th November and after 15 days suddenly they wakeup and hold my account balance without any prior Notification. It looks very idiotic and stupid things and shows the poor systems of HDFC Loan process team. ONCE LOAN WAS DISBURSED, IT IS MY MONEY, HOW THEY ILLEGALY ACCESS MY ACCOUNT WITHOUT MY PERMISSION?? IT IS UNFAIR AND UNETHICAL.. I am in very critical position and I made lot of commitment for this loan amount.. Hope you will understand my situation and do the needful .. D.GOVINDARAJAN [protected]

I applied a personal loan from HDFC bank through a DSA, soon after applying my application got rejected because of the reason of loan, as I mentioned I need to buy a property. After some days I got a call from Mr Lovely from RIC Dept. Sector 53 Gurgaon branch about some fake document I provided, he told me to meet him in person after banking hours. Here point is that I never given any Document to HDFC I handed over my docs to DSA and I dont know what happened between them, and I never provided any fake/false document. Again I got a call from Ajit Singh from same branch on bank holiday second saturday stating that he is in branch and lets meet after banking hours, he mentioned one more name of Mr. Manjeet. They all are harassing me and asking to meet otherwise they will screw my CIBIL. When my Loan application is rejected in very initial phase and I am not owning any product of HDFC, then how can they do so. Please assist me on this!