HDFC Bank Complaints & Reviews

I have a credit card with hdfc bank.Due to bike accident i am not able to pay credit card bill but after this i am regularly doing minimum payment. But when they call for payment they always talk like gunda and cheap words, when i asked them for settlement they told me to pay full amount.I am not able to pay full amount so please tell me minimum % of settlement amount

unwanted debit
Sir,
I am HDFC customer, my Account No.: [protected], Customer id:45624060,
Narration: Net PI to HSL Sec A-c 2479553-[protected], Cheque/Ref.No:[protected].On 21 july 2015
has been debited Rs 2005.26 from my account without giving me any notice and please
give me the reasons
for deduction. Kindly retain the amount in my account

I am Samir Ramjan Attar working in Hdfc bank Tasgaon Branch for BSO my emp.code-143529 Bm and Bank Staff torched me Resign the job another wise terminate o[censored] he use of illegally voice and tourched for anytime. and i am the resign the job 17 july15 and i want sallry slip for 13 may 15 to 9 jul 15 but bank is not take to my sallary slip. MOB NO-[protected]

I tried to book a Ticket on IBIBO on Friday 10/07/2015 through my HDFC Netbanking. after entering the OTP i got an error: Could not reach the destination but amount was deducted. Then i tried with the my friend's HDFC card and got the same error again. so total amount that me and my friend debited was 4494+4494=8988.I communicated the IBIBO and they have confirmed it is a fault at the bank's end. I called the customer care and the relationship manager that is assigned to us for our concerns. They were saying wait for 48 HRS your money will auto credited to your account. after 2 days i again called the HDFC customer care then their statement was 'Wait for 5 to 7 working days' only then we can take your complains. we waited for 5 days then again we called the customer care. She noted down our complain with reference id:#PUNC[protected] & #PUNC[protected] and again asked us for another 7 working days. According to their customer care they are giving a High Priority to this complain but still i didn't get any response from their side.Also i have mail chain with the HDFC who says in every mail we will revert you with in 7 days.you can check my balance and i really need this money urgently. It is a big amount 8988/-, and HDFC is not paying attention on it. I need to pay my bills.HDFC has 3rd class customer care, services and the most useless part is their relationship manager. May be it's not a big amount for your but for me it is.

Dear Sir, With ref. to credit card no [protected], I beg to state that From last few months I am continuously following up on phone to close the card. But get very bad response. I have sent request thru registered speed post wide ref. no, . EU[protected]IN in june 15. . But still I am getting credit card statement with next year rental charges Request you to close the services immidiately & confirm via return e-mail. Regards, Sitesh Pratap Singh Rawat [protected], [protected]

To The Chairman HDFC Bank Copy to : [through RPAD] 1. The Nodal Officer, HDFC bank, 2. The HDFC Bank, Wadala Branch, Mumbai 400 031 3. The Banking Ombudsma, Mumbai 4. The Governor, Reserve Bank of India, Mumbai - Subject : Compalint against HDFC bank – Delay in decision of Home Loan sanction – Excess charge of Processing Fees, Non refund of Processing Fees on denial by HDFC bank, Confusing file numbers provided through 4 SMS mentioning 4 different reference file nos .[protected],[protected],[protected],[protected] An Application for Home Loan, Take Over of existing Home loan and Top Up facility was applied to HDFC bank, Wadala Branch, Mumbai – 400 031 in the name of self and my Wife ( Mr. Siva Prakasam Pillai and Mrs. Aruna ) on 1st Dec 2014 and the necessary Processing Fee of Rs. 11, 236 /- was paid vide cheque No: 00 4455 o[censored]nion Bank of India, Matunga Branch, Mumbai on 1st dec 2014 Vide e mail from [protected]@hdfc bank – I got an e mail that I am not keen on the Housing Loan and hence the bank is refunding an amount of Rs. 809 and also retaining Rs. 2000 towards admin charges – The Document and discussion is happening between me and the bank officer Mr. Ravi Singh ( Mob No: [protected] ) and Mr. Bushan ( Contact N: [protected] ) My Complaints are as follows : •The E mail of Mr. Bhushan indicate that I was not interested in the loan – This is totally untrue statement – All along I have been patiently waiting for the positive revert from the HDFC bank – Even when I got this e mail and subsequently called Mr. Ravi singh – he took me on a conference call with Mr. Bhushan and I was given to understand that I should not deposit the refund cheque of Rs. 809 and that the bank officials will get back to me. •Even in the e mail I was informed about the refund of Rs. 809, and that the bank will retain Rs. 2000 as administrative charges, no mention about the balance amount of refund – My subsequent calls to the officials indicated that the money will not be refunded as the bank officials have targets of PF to meet and nothing will come out. •You may please note that myself and my wife are working as Teaching Professionals in respected educational institutions of repute and have credible CIBIL score and we are being given this kind of treatment – harassment over the last couple of months – completely throwing all our financial planning out of gear – We have 2 school going children and have to plan for their education and one key factor is loans for salaried couple and this approach of bank is totally creating confusion and fear in our mind. •We have busy schedule handling our profession with administration responsibilities involving student community and do not have the time to run around the branch for months together to get a loan processed – Please note that the mortgage being offered is my residence in a reputed housing society ( Dosti Acres, wadala ) – self occupied by me and my family for the last several years – The value of Collateral is approximate Rs. 200 lakhs and the total loan amount requested is only Rs. 50 lakhs. •Our Present Request : We have already suffered the delay of more than 5 months – Please ensure the loan application of total rs. 50 lac is sanctioned based on eligibility against a Self Occupied Residential Property of approx Value of Rs. 200 lac at the best possible ROI wihout any incremental PF as already I have made the PF payment on 1st Dec 2014 and waiting for the loan application

Hi, I am Ajay Kumar Banka from Kolkata WB. I am using HDFC Titanium edge Credit Card ending ****. One day I got a call from HDFC Bank sales executive whose Name is Mrs. Sangita Kesawani and he called from HDFC Bank West Bengal. Initially he told me the following  Your Credit card has a lot of offers.  You can get discount on every purchase of online sites (e.g. Flipkart, Amazon etc.) and top stores (e.g. Reliance Super Mall, Shopper Stop etc.).  The above is always with your card that means you will get discount life Time on your credit card.  The Credit card will be life time free. There is no, one time Charge will be taken from you per year.  To avail this you need to take a Health Insurance and a Life Insurance from HDFC ERGO.  The Premium (i.e. around Rs.527.00) will be deducted per month from your credit card for two years. After hearing the above, I told him, I don’t need any Insurance as I have everything. He told me, Sir don’t worry about the above premium, it just a security deposit kind of thing. If you will not claim anything in the coming two year the whole premium will be returned to your credit Card again. After much dilemma I finally agreed to take the above Insurance by thinking such discount offers etc. I also asked him please send me a written document which states that the above offer will be valid for my credit card life time. He ignore the above statement sometime but when I asked for written document frequently in the conversation, he told me it will take around three months to prepare the written document of the above offer. It will reach you in three months. After that they have deducted Rs. 11070.00 from my credit card. Now I am giving premium of Rs.527.33 per month. The Policy Number is XXXXXXXXXXXXXXX. The sales executive also provide me his office Number[protected] and told me that I can reach him any time in office hour whenever I face any issues regarding any discount on my credit card. Now the Real Fact of the above things: Currently I am not getting any discount from my credit card on purchase from online sites or Big stores. And that person has given me false promises and now he is not picking the above phone number also. HDFC Bank and HDFC ERGO are cheating their customer and sale their product by giving false promises. In Short they are Fraud Company. Now I want my money back in my credit card and I don’t want any insurance from HDFC ERGO General Insurance Company Limited. Complaint Status [Apr 19, 2015] HDFC ERGO General Insurance customer support has been notified about the posted complaint. AJAY KUMAR BANKA [protected]

Dear Sir, I, Sri Goutam Biswas, have applied a Personal Loan on HDFC Bank (Barrackpore Branch) 1st july 2015 the case is 5 lakhs rupees. But today is 21st july 2015 I don't get the amount. They said to me that please you open a savings a/c in rupees 11000. I submit the cheque on that day, after that they deducting the amount from my salary a/c but processing is very slow. They required from me any type of thing I completed, but today I am not get the loan amount. I am a aged person they are harassing me everyday. DEBASISH sir (Barrackpore Branch) ( contact no. - [protected]) said to me that the verification process is not correct but verifier call me and said to me that Sir your verification is correct. I am a Chief Accountant of CESC. My job is transferable in kolkata any circle you know that. My head office is in kolkata 2 no. Part Lane (near West Bengal Board of Secondary Education Office) ( Poschimbongo Madhya Siksha Parsad Office). The verifier go to my office and they call me and verify my office and talk with my Boss Malay Babu (Head of the Chief Accountant Manger). But now they said to me that the office verification is not correct. Now what do I do? please if you check this matter as early as possible I am obliged. Thanking You Yours' faithfully Goutam Biswas [protected] [protected]

II have applied for Moneyback HDFC credit card on 11/6/2015 & submitted all documentation to your agent JaiGanesh ([protected]) and acknowledged from your bank through SMS on 13/6/2015 vide credit card applnCC22270715under refr[protected]. Till today I have not received Credit card eventhough several time enquiry to ur agent & Tool free no.
If Rejected my application atleast send information by sms.
Hope complaint will be responded at the earliest.
Tks
L P Chandrashekar
Mysore
Mbl:- [protected]
[protected]@gmail.com

Dear sir, i tushar nagadiya nagpur have purchased a policy of hdfc life policy no[protected] hdfc sl samooorn samridhi on date 01/07/2013 paid premium amt rs 12500/- by cheque o[censored]nion bank . Then after i have some financial problem so i did not pay the premium 2 years now after 3 years in july 2015 they are saying that you have to pay min 3 years then only you get any withdrawl otherwise your money will not be refund .
I have done mail to co that please refund my money but today i call customer call centre they says your money will not refund unless you pay 3 years payment .
Please guide us what to do.

Dear Sir, HDFC Bank call me you have a lucky draw for personal loan 3.69 Lakh with 7.5% interest rate when I went to my HDFC Branch Hapur & ask him to the same then I asked to go to proceed.after some formalities approximate one Hour I got SMS Credit amount 3.63 with 15.5% interest, then i asked him they told me 15.5% equal cause this is reducing interest & Rs.5000 is our processing fees, I m unable to understand what is processing fees you have full staff permanenet, you will pay interest then what is processing fees. Thanks & Regards, Pawan sharma

Hello i M karthik this is complaint regarding credit card bill payment . as i had a credit card due bill payment, thought to clear all debt at single payment so i had called to hdfc customer care as per the person who spoke, where she was working in sadasivanagar branch told that i need to pay 28050 to clear all debt as per his manager's suggestion, later i paid due amount of rs 28050 in bangarpet hdfc bank. Later i Called them and asked for the cross confirmation of bill payment they told everything got cleared.and again after two months i got an mail of credit card statement to pay the due bill again, and i approached to customer care at the meantime they are telling that i have still due to pay. i had complained thrice but no response for this action. later they told that they will update but no updation done but due bill is getting increased. please do needful and one reference number who spoke to me all the way regarding bill payment [protected] Card Number: [protected] Card Holder: Karthik Reddy M S

This is regarding a complaint of debit card fraud that had happened against my account number XXXXXXXXXXX at HDFC Bank, Vasundhara Enclave on March 25, 2013. It has been two years and the matter has not yet been resolved. I had lost my debit card and someone had used it fraudulently and made two purchases against the card on that day. I had registered a complaint to HDFC Bank (complaint no. 568850 for Rs. 393 and complaint no. 568847 for Rs. 21, 200). The amount of Rs. 393 was spent at Bikanerwala, Sector 18, NOIDA while a mobile phone was purchased for Rs. 21, 200 at The Mobile Store, Sector 18, NOIDA). I had registered a police complaint against the fraud on the same day, i.e. March 25, 2013. I was made to file a form called the cardholder dispute form on the same day at the Vasundhara Enclave branch of HDFC Bank. The manager Mr. Kaushik told me that the amount under question was covered under insurance and the entry would be reversed into my account. The amount of Rs. 393 was reversed into my account on May 13, 2013. HDFC Bank told me in person that the amount of Rs. 393 had been refunded by the merchant (Bikanerwala) and hence it was reversed. That gave me the confidence that the rest of the amount would be reversed. I submitted the documents regarding my identity proof, address proof, complaint letter and dispute form to HDFC Bank again, at their request, on March 22, 2014. Curiously, they had not written to me seeking these documents and instead only said this on the phone when I was chasing the issue with them. As has been the practice, there was no response received against the documents which were submitted for the second time. Over the last two years I have not received any formal explanation why the two amounts have been treated differently and one (Rs. 393) has been refunded and the other (Rs. 21, 200) has not been. Several emails written to the bank seeking an explanation has not elicited any response. The bank chooses to call me a ‘Preferred Customer’ with a dedicated relationship banker. However, none of the emails written to seek an understanding or explanation for the inaction on the part of the bank were responded to. I have recently found out that the case has been closed internally. THIS HAS BEEN HORRIBLE TO HEAR!!! I had written to the RBI ombudsman earlier but I was told that the case was disposed as “BOS requirement has not been met” and the complaint has not been represented properly. The RBI mail was sent on September 5, 2014 against my email on August 28, 2014. If the complaint had not been properly represented, please tell me the details that are missing and I will give you all the details. Can I request you to please take cognisance of the matter and inquire into the issue that has been pending for over two years. Dr. Richa Chandra [protected]

I applied for a personal loan of 2 lakhs from HDFC bank for 2 years and they say they can only afford 185000 as my eligibility even though i agreed upon that a executive came and collected the cheques and got the papers signed and did not inform anything about any deductions and the loan amount disbursed was 179250 after deducting for insurance, VAT, taxes some paper charges and processing fees. How pathetic can one be did i apply for a loan or buy a car from HDFC. I do not want their money and i will cancel my credit card from them as well and i want to return the money which i got on 7/17/2015 for their fraudulent service.

This fraud bank is deducting money from account without any notice. i had around 1500 rupees in my account. last month i saw around 800 was deducted without any notice and even after deduction they didn't bother to drop a mail or massage about that. i come to know this only after login to my bank account. Now this month when i lodged in i saw my account balance is in negative. what the suck service this bank is giving. this is my hard earned money not black money that these bank are stilling from me. And one complaint i have with RBI also, who has given them upper hand to do so. charge is you do not have average monthly balance, charge if you are using your debit card at ATM if exceeding limit. That mean, We people work hard to earn few money and RBI will implement policy in fever of these banks and they start robbing us legally. I would prefer keeping my money myself and i am going to close this HDFC account. Thanks

I would like to inform you that I am Ketan Jaywant Ovhal.and my policy number is 16753415, I want to say that your executive totally cheat and fraud to me.

I got a call from Ms. Anu Mishra from mobile [protected] She said that she was calling from HDFC bank regarding the personal loan, offered by the bank for the customers having good banking transactions.

She told me that as being a bank customer having good transaction record, I was eligible for a personal loan of Rs. 3, 00, 000/- on 8.5%rate of interest and that also without any income proof .She further stated that to avail this loan offer, I need to buy an HDFC life policy of Rs. 50, 000/- as loan security(Guarantee) and later that amount will be adjusted for first five EMIs of loan and then that policy would be closed / cancelled automatically. She told me to give a cheque of Rs. 50, 000/- in favor of HDFC Life along with my PAN card Xerox to the HDFC executive/ agent . She told me not to discuss about the loan offer with the bank agent otherwise he would charge commission.

I accepted the offer given by her and follow the process told by her.

Ms. ANU([protected]) told me that after deduction of the amount of Rs. 50, 000 /-from your bank account, I would get policy paper(Policy No. 16753415, date of issue 27/03/2014) within 7 to 10 days at my registered Address, and then after some days I would get loan paper within 10 to15 days. I got the policy papers but I didn't get any loan paper .So I called up Ms. ANU ([protected]) and every time she told me that my loan application is in process and I would get the loan papers as soon as possible.

Then after some time she started avoiding my calls. But I didn’t get any loan papers so I kept calling her to know the status of my loan application. After many calling attempts she received my call and told me that instead of loan paper I'll directly get loan amount in my bank account as loan paper would take time and then she again gave me many dates for loan amount.

So again I called Ms. ANU([protected]) to get the updates but she didn’t receive my calls. Then on 27/4/14 I got call from HDFC bank loan department saying that my loan file has been rejected so I would not get loan .She didn't tell me the reason of file rejection and said she will reprocess my loan file but it would take another 90 days to process .told her that I can’t wait for so long .On that she replied that if I don’t want to reprocess the loan file, then I can cancel my loan file and after 45 days of cancellation, I would get my amount of Rs.50, 000/- along with an interest of 8.5 % which I deposited in HDFC life policy as loan security.

Then on 10/5/14 I called Ms. ANU() and told her about the file rejection call but she told me that she would check my file status and
call me later because she also didn’t know the reason of file rejection. On 21/5/14 Ms. Anu ([protected]) gave me a call and said that she
could not get the reason of rejection. She also told me to cancel the loan file so I could get my money back with 8.5% rate of interest. So I cancelled my loan file.

It’s been more than two & three months but I didn’t get my neither anyrefund nor response from HDFC bank or HDFC Life Insurance. Ms.Anu ([protected]) also not responding my call.

Hi
This is with regard to my HDFC Salary account
at Vijaya Bank Layout

A depository charges JUN15 – 39633046 charge of 570 has been levied on my account
First of all, I have not requested for Demat account and I do not use this account
I believe this was created by default as part of Salary account claiming that this will be a free account and now HDFC has applied charges on this account.
I request you to help immediately withdraw these charges and remove my demat account and stop this fraudulent activity of lying to customer about free services and then loot money from their account

Please respond to reshma.[protected]@gmail.com

Not getting Salary slip from employer (HR)But they didn't do that, neither are they giving me my salary slip. I have all the documents like last 8 month complete but not getting salary slip. Hi Pranay, Please share July 2014 to November 2014 salary slip for Employee id - 128673 . Best Regards Awdhesh Yadav Tel: [protected] [protected] Forwarded message[protected] From: Date: Thu, Jul 16, 2015 at 10:43 AM Subject: Re: Fwd: Awdhesh Yadav Salary Slip To: Awdhesh Yadav Cc: payroll.[protected]@cnergyis.com Dear Awdhesh, Payroll Team shares Salary Slips.Please get in touch with them and your mentor. Regards, Pranay Kapur HDFC Bank Ltd | Human Resources RIM: [protected] IMP - 1) Ecode will be generated only after Documentation is completed. 2) Dear Mentors Correct your Sales Officer Mapping Today and Help your Branch to achieve 100% Manning. 3) Please nominate your Sales Officer for Training Today ! and help create a skilled staff for your Branch. From: Awdhesh Yadav To: payroll.[protected]@cnergyis.com, "pranay.[protected]@hdfcbank.com", Date: 07/16/2015 10:40 AM Subject: Fwd: Awdhesh Yadav Salary Slip

1-July-15: I made an excess(duplicate, first one looked like failed, so tried again, but both got processed) payment of INR 51645 to HDFC on 1-July over and above the full outstanding on the statement. 4-July-15: I call up HDFC callcenter and told what happened and the person said, she is not authorised to tell me anything so she referred the case to her manager. Then said manager was busy and call back within 24hrs. A day is past but no call. 6-July-15: I called again to check what happened and again i was told there will be call back from manager as she was busy then. I insisted, saying the last time I was told they would call back, they did not. Then after a wait, they put me thru. Finally got connected and I told the case. I told her repeatedly that it is priority.She, Sumera, said that she will get necessary approval and do the transfer. Whatever was approved, she would call me and tell me on the same day. I told her, the previous time they did not call back. She assured that she will call back. But as usual no call back. On 9-July-15, I called again to check if the transfer was processed, but to my surprise the call center manager Sumera, told me that she was waiting for my acceptance to process the transfer and not all the amount will be transferred but only 27k will be sent as DD. I asked her what action was taken till now. NOTHING. Only after that the request was taken and a reference number [protected]. The message reads like this 'Dear Card member, with reference to your query, the ref no. is [protected] and the same will be processed in 4 days.' On 15-July, I get a call saying, as per company policy the amount will not be refunded. I asked them, why they create policy just not to refund the money if it is excess. I don't know what to do with these cheaters who try eat others money. Curse be on them, let their money will also get locked like this for them to understand.

Dear sir My credit card no.is [protected] I have received a call and they are told to me this call from credit card department and say your credit card should be blocked so that give your card details for prevent blockage so I give all details after few time amount is deducted from credit card on 18/01/15 amount is Rs. 6999 and second fake transaction on 22/04/15 and amount is Rs 8999. both conditions are same. Please check and revert me as soon as possible.