HDFC Bank Complaints & Reviews

An unauthorised transaction was done on my Credit Card on 29/05/2015 for which i have made complaint to the customer care executive and got my card blocked. It was told that send a mail to "cc.[protected]@hdfcbank.com" raising the dispute by filling the Card Holder Dispute Form. When i sent the mail, it was not delivered. Again i called Customer Care, it was told that the correct mail id is "cc.[protected]@hdfcbank.com". I again sent the mail & again the mail was not delivered. I am fed up with HDFC Bank Services as in the last 2 years, i have to follow up n number of times regarding various issues. I dont know what to do next. Each and every time they take 10-15 minutes hence further loss of call charges are there.

Dear Sir, I am Rinku Mittal from Haridwar. I am using HDFC Superia Credit Card ending ****6720. One day I got a call from [protected] HDFC Bank sales executive. I dont remember the name of the person but he gave me the name of person raju datta from kolkata office and office number[protected]. 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 of around 500rs and processing fees 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 45 days to prepare the written document of the above offer. Now They have deducted the premium of Rs.497.44 in this month plus 300 rs processing fees from my credit card. The Policy Number is[protected] . The sales executive also provide me this office Number[protected] and told me that I can reach mr raju datta 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. I called to customer care they have not given any information regarding this. Please clarify this matter or i will take action. Regards, Rinku Mittal [protected]

Iam affraid that in my CIBIL report page number 4 1st section credit card still showing outstanding. I belive that i paid full amount of all my credit cards outstandings and i have not done any settlements of my credit cards why because i was working in Banking industry due to banking policy i should not have any pending outstanding of credit cards so i have closed with full amount. Now i have checked my CIBIL report there is one credit card is still showing as outstanding pending which is not correct. Kindly check and send me the card details to check with bank locally or please update the correct details of my CIBIL report and confirm me. Iam looking for your cooperation. PAN Number : BWBPS5455D Name : Saravanakumar VK Attached the CIBIL report for your reference. Rgds Saravanakumar VK

Hi, I am from chennai. Complaint is on security who speaking harshly to the customer in Thiruverkadu HDFC ATM., near siva agency. Date june 1st. 7am Its very bad to behave by a security on customer who coming to ATM. Its very uncomfortable that he is sitting inside the ATM itself, can't type pin code freely. Please take some needful actions.

Dear sir I want to inform to you that S.B.INSURANCE BROKERS call me and said if I take policy premium 30000 annually. he will arrange of personal loan amount of 300000 from HDFC LIFE INSURANCE COMPANY but after taking policy i till now i can't get loan amount. For same i called him but he is not receiving any call from my side and not responding any massage . i don't sign on policy paper . how did hapen generate my policy ? For your reference I am sending recording of conversation with the broker (name as per him—ARNAV AGARWAL/Karan Tomar ) and mail send by him for your kind support to retrieve my money value his mobile no [protected], [protected]. his sended mail :- (From: "Vishal Agnihotri" Date: Mar 30, 2015 9:40 AM Subject: Govt apporaval loan To: Cc: Dear Customer, To achieve your govt loan approval letter. Please download the PDF file and enter your password. Your password is your first name and last 4 digit of your area pin code. As like as mention below, for example:-HDFC012345 Your Password is, HDFC2345 Regards, ( Vishal Agnihotri)) My Policy Number:- 17577605  Full Name of the Life Assured:- Bhamarbhai Pirabhai Prajapati Date of Birth:- 05/01/1992  Name of Nominee :- Prajapati Pirabhai chhaganji  Premium amount :- 30000  Communication Address(him as per said by mobile [protected]) :- B-weeing, block-18 honey comb bilding 2nd flor r b mehta mrg op canera bank est mumbai 400077 Your response is highly waited Please help me sir Thanks regards BHAMAR BHAI PIRABHAI PRAJAPATI [protected] [protected]

my customer no. 22727096 hdfc cutomer id hi i have credit card which hostiled i dont know why it happened im in financial crisis but this month my salary got swiped by your hdfc bank credit card division but they promised me that i have to pay only Rs.54, 000 but in my a/c they deducted Rs.25, 593 and yet to pay 76, 000 i dont know about your promise and commitment to customer if somebody has a/c with you. You can do anything without their permission this is how you treat customers. Because of this i dont have single penny in my hand this is the worst case in my life i really hate HDFC bank and im going to take action against this please provide proper response im loyal customer since 2007 but treated like i dont have word to say this is simply killing customers loyalty if anything can be done from your side if you have authority. please revise my charges in my a.c i have -76000 it is ridiculous please give justice im willing to pay my outstanding if it is proved dont cheat innocent customers even they are tenured more than 8+ years this is truly degrades your values i want to go further with hdfc but it treats me nuts and guides me to find a legal solution for this im paid 26000 willing to pay only 30000 thousand thats what i can do please give me justice review my a/c thanks i have no source to live my life without notifying me they are deducting the money for no reason this is truely injustice this cant be happen to any of our customer they loose trust in banks.

I had hotlisted my credit card and applied for a new credit card with the HDFC Bank. No one took care of my application and I finally had to go to the bank to apply for a credit card. While I was sitting with the Branch Manager of Miyapur branch, Hyderabad, Mr. Srinivas Paboju, he said he would like me to invest more with the bank and said that he will make sure I get the best credit card for my needs. He sold me an insurance plan and said that every year it I will have to pay 1 lac through my credit card in installments. Well, four months have passed and I have not recieved my credit card till date. However, they charged my credit card for the insurance plan they sold to me (which I had agreed to buy out of courtesy) and now they are threatening me to pay it. When I dont have a credit card for four months, how can they charge it?? And why should I pay? Without my credit card I went through a very challenging time for last four months due to my hectic travel. The customer care of HDFC has behaved extremely insensitively. I still receive threatening calls to pay my caredit card which I dont have. I want to sue the bank due to the mental trauma they have caused me.

sir, i issued a credit card from hdfc bank, the email address is incorrect in the letter issued by the bank for which i write an application in the hdfc bank sec.37 chandigarh branch but till date my email address is not corrected and I have not received any email in my email i.d. which shown poor service of the bank to their customers. so please send me the message on my email i.d. for coorection the email address. thanx.

Dear Sir, Ref. : Credit Card No. [protected] I say that, i have received threatening telephone call on dated 29.05.2015 at 10.14 hours from phone no.+91-[protected] | +91-[protected] from HDFC Bank, Collection Division, KanjurMarg, Mumbai and said that, pay the outstanding amount immediately otherwise i will come at your residence thrash, beat you and all your family members till death, also said that, after my death will remove...

1.Myself Shantanu Gupta (customer id 54754903, classic customer, HDFC bank ) applied for HDFC SL Progowth plus application no.[protected] after consultong with Mr. Prem sagar Gupta on 25.04.2015. 2.Payment of Rs. 100000 was also deducted from my account on 27.04.2015 but never verifaction call for around 7 days. 3.Even after requesting for manual verification no one turn up, consequent to this kind of indifferent attitude I decided to cancel my policy on 08.05.2015. 4.And now even after repeated and regular followup I have not received my refund. 5.Kindly look into the matter. I hope that I get a speedy redrssal. Regards, Shantanu Gupta Asst. Director Military Engineer Services Ministry of Defence. Ph. no. [protected]

Dear Sir/Madam, This is to inform you that I have submitted my claim form and bills for health insurance reimbursement on 05th of may 2015 and when I call them they are saying they have not yet received it I have taken the acknowledge copy from there own Shivaji Nagar branch. Request you to help.

Hi I got married in 2011 and I had received a gift card worth 5000/- from one of my guests. In the wedding confusion I lost my gift card but recently found it. How can i redeem this as it had an expiration date. I cannot contact the person who gifted me as it is extremely inconvenient. I would really like your help as this is a significant amount of money.

dear sir, excuse me, i have debited 25000/- rs.for wrong trasaction from expiry credit card no- [protected] ex 11 Nov.2014 please shifted 25000 rs to my sbi acount. Thankyou. bindu.[protected]@rediffmail.com [protected]@gmail.com

Sub.: Humiliation & harassment by HDFC Bank staffs. Ref.: Proposal No:17583504 of HDFC Bank/Life. Respected Sir/Madam, This is to inform you that on 10th April’15 I applied (online) Term Policy for Rs. 1 CR form HDFC Bank . On that day someone form HDFC Bank called up and said that Policy will be issued within 30days. As per their requirements (i.e. Medical tests, financial documents, KYC etc.) everything has been completed and in the 1st week of May’15 HDFC Bank’s Call Center people stated that my Policy will be issued within next few days as everything is proper. On 8th May’15 I received an e-mail from Ms. Gagandeep Kaur of HDFC Bank and asked me to do all medical tests again for no reason. I was surprised as it may require for one/two tests or something different than earlier tests. Since then I kept on requesting them on Phone (Call Center)/ e-mail for valid reason for repetition but they failed to reply and now they are avoiding though I keep on following up (e-mail & Phone Call). Even I requested them to return my money without deducting any charges as I am not only innocent but also coordinated so far with the HDFC Bank. On 23rd May’15, I had a talk with supervisor of the Call Center(HDFC Bank) Shri Pawan Pardesi, he stated that they will deduct my money (as per their wish) in the name of Medical tests expenses which is completely unfair. In the above situation, I am seeking your help to resolve this issue amicably. Hope you will do the needful. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. 00000000000000000000000000000000000000000000000000000000000 From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No.: 17583504 Date: Wed, 27 May 2015 10:31:58 +0000 KATN.: Ms. Priyanka Makwana Dear Ms. Priyanka Makwana, I am surprised to receive your trailing e-mail which is completely baseless & vague. It is been observed that after 47days of filling up the online application(10.04.15) and all most after one month (29.04.15) of completing all formalities, you don’t have any concrete reply except, ” Kindly allow us some time while we get back to you with proper resolution.” I would request you to go through the online application form and inform me the conditions (i.e. where it is stated that Medical charges will be deducted if Bank failed to proceed with any unknown reason and not only that but also my money is getting used for more than 47 days ?). It is complete humiliation & harassment by few incompetent staffs and first I shall approach to IRDA / Consumer Court then Media etc. Please note that if something happen (death) to me in due course then my lawyer will claim for Rs.1 CR to HDFC Bank as my case is getting handled with full of negligence / incompetence. Awaiting for your immediate reply. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________ Date: Wed, 27 May 2015 14:49:32 +0530 From: [protected]@hdfclife.com Subject: RE:'HDFCSL=[protected]' Proposal No.: 17583504 To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! This is with reference to your e-mail communication, we have noted your request. Kindly allow us some time while we get back to you with proper resolution. Please note that the Medical charges will be deducted from your premium amount in case if you have already undergone the Medical tests for the Proposal. We assure you the best of our services always. For any further queries/clarifications, please call us on[protected]. Warm Regards, Priyanka Makwana Online Query Team-HDFC Life [protected][protected][protected][protected][protected] -----Original Message----- From: Debasis SARKAR ([protected]@hotmail.com) Date: Saturday, May 23, 2015 01:17 PM To: [protected]@hdfclife.com ([protected]@hdfclife.com) Subject: FW: Proposal No:17583504, HDFC Life! KATN.: Mr. Akshat Shetty Dear Mr. Akshat Shetty, It is very unfortunate that you neither value those persons who are interested to purchase HDFC Bank’s product nor you respect their trust / money. You are well aware that last 10/15 days after completing all of your requirements, I am keep on sending e-mail and calling to your Call Center but no avail. Today I had a talk with one of your supervisor Mr. Pawan Pardesi for 36 Minutes and after that you sent this e-mail. Don’t you think, it is nothing but humiliation? You may describe it ‘good intentions and endeavors…’ but I shall send all the communications to IRDA. So other people should not be harassed by you after paying huge amount of money. Still I am having full trust on HDFC Bank though some incompetent staffs make the mess. Option 1. Provide me the Policy and state me the time to issue. Option 2. I am committed to cooperate with you and I will continue subject to reason/logic. As per your last e-mail dated 13th May ’15, you stated, ’ Kindly allow us sometime while we get back to you with proper resolution’.. So there is no further requirement of medical tests etc. Though there was some problem with my signature but it is been resolved. Option 3. I am requesting you to return my paid amount without deducting anything as there was no mistake of mine. However, my fund has been used by the Bank. I will not accept any deduction for any reason. In that case I shall go to Consumer Court. My Bank Details: H D F C Bank S B A/c. No. [protected] & IFSC Code : HDFC0000118. Hope you will do the needful. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________ Date: Sat, 23 May 2015 11:34:32 +0530 From: [protected]@hdfclife.com Subject: RE:'HDFCSL=[protected]' Proposal No:17583504, HDFC Life! To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! We apologies for the inconvenience caused to you. This is with reference to your e-mail communication, it is most unfortunate that, despite our good intentions and endeavors, you had to undergo some discomfiture. With regards to the mail that you have sent as a declaration regarding cancellation of your proposal, we have forwarded the same for further processing. We request you to provide us some time while we get back to you with proper resolution. In case, if you still wish to proceed with cancellation please confirm us your final decision. On the receipt of the same we will process your cancellation. Please note that the Medical charges will be deducted from your premium amount in case if you have already undergone the Medical tests for the Proposal. Warm Regards, Akshat Shetty Online Query Team-HDFC Life. [protected][protected][protected][protected][protected] -----Original Message----- From: Debasis SARKAR ([protected]@hotmail.com) Date: Saturday, May 23, 2015 10:41 AM To: [protected]@hdfclife.com ([protected]@hdfclife.com) Subject: FW: Proposal No:17583504 R E M I N D E R ON 23/05/15 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Fri, 22 May 2015 05:18:50 +0000 R E M I N D E R ON 22/05/15 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Thu, 21 May 2015 05:10:56 +0000 R E M I N D E R ON 21/05/15 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Wed, 20 May 2015 07:12:15 +0000 R E M I N D E R ON 20/05/15 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Tue, 19 May 2015 10:53:18 +0000 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Tue, 19 May 2015 05:19:34 +0000 R E M I N D E R ON 19/05/15 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Mon, 18 May 2015 05:15:21 +0000 R E M I N D E R ON 18/05/15 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Fri, 15 May 2015 10:24:16 +0000 Dear Sir/Madam, Please refer my trailing e-mails and made calls to your Call Center. It is unfortunate that no proper response except vague replies. More than one month you have been harassing me when I am going to purchase a Term Policy. In case of my death on settlement, you will neglect my nominee and will not pay. In the above situation, I am requesting you to refund my paid amount without deducting anything immediately otherwise I have to approach to I R D A/Consumer Court/ Media etc. My Bank Details: H D F C Bank S B A/c. No. [protected] & IFSC Code : HDFC0000118. Hope you will do the needful. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Thu, 14 May 2015 12:46:20 +0000 R E M I N D E R ON 14/05/15 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No:17583504 Date: Wed, 13 May 2015 09:41:03 +0000 KATN.: Shri Anish Singh. Dear Sir, Your trailing emails are very much confusing. Please check the highlighted date & sentences of your e-mails which are contradictory. I am really exhausted to communicate with you. However, I thought HDFC Bank people means competent personnel. Now I am sure that you are unable to issue my Term Policy and only spoiling my time. In the above situation, I am requesting you to return my paid amount without deducting anything. My Bank Details: H D F C Bank S B A/c. No. [protected] & IFSC Code : HDFC0000118. Hope you will do the needful. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. [protected][protected][protected][protected]----- Date: Wed, 13 May 2015 17:29:31 +0530 From: [protected]@hdfclife.com Subject: RE:'HDFCSL=[protected]'Proposal No.: 17583504, HDFC Life! To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! This is with reference to your e-mail communication; we have noted your request. Kindly allow us sometime while we get back to you with proper resolution. We assure you the best of our services always. For any further queries/ clarification, please call us on[protected]. Warm Regards, Akshat Shetty Online Query Team-HDFC Life. Date: Wed, 13 May 2015 11:14:32 +0530 From: [protected]@hdfclife.com Subject: 'HDFCSL=[protected]' Proposal No:17583504 To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! This is with reference to your e-mail communication, we would like to inform you that we have forwarded your query to our expert department and it will update same in our record shortly We hope to have addressed your query. We assure you the best of our services always. For any further queries/ clarification, please call us on[protected]. Warm Regards, Anish Singh Online Query Team-HDFC Life. [protected][protected][protected][protected][protected] -----Original Message----- From: Debasis SARKAR ([protected]@hotmail.com) Date: Tuesday, May 12, 2015 05:52 PM To: [protected]@hdfclife.biz ([protected]@hdfclife.biz) Cc: [protected]@hdfclife.com ([protected]@hdfclife.com) Subject: RE: Medical Test for Application No.S[protected] Dear Sir/Madam, I am very much surprised to see your trailing e-mail. I am getting touch via e-mail & your Call Center all most every day since 29th April’15. Till 8th May 15, your Call Center people assured that all Medical reports are normal and no further requirements (i.e. documents / medical tests etc.) Now what went wrong? Please clarify, why I need to do all the testes again? You are well aware that for all tests, how much blood to be given not only that but also I need to take leave. Can you please send all the reports? If I go for medical tests again then also there is no surety that you will not ask me to repeat the same after 10/15 days? One month has passed but nothing has happened. I am very much disappointed & dejected. In last one month I have experienced very poor communication from your side and harassment instead of assistance. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________ Date: Tue, 12 May 2015 13:31:24 +0200 From: [protected]@hdfclife.com To: [protected]@hotmail.com Subject: Medical Test for Application No.S[protected] Dear SHRI Debashis Sarkar, Greetings from HDFC Life! Thank you for choosing us as your preferred insurer. Please note that certain medical requirements have been raised against your insurance proposal. In order to help you with these requirements, we wish to fix your Medical appointment at the earliest. Call us at[protected] between 9 a.m. to 9 p.m. or email us at [protected]@hdfclife.com to fix an appointment on a date convenient for you, except for Sundays and National holidays. Please find the details below: Medical Requirement(s) for SHRI Debashis Sarkar 1.Medical Examination Report --- Non Fasting 2.ECG --- Non Fasting 3.Midstream Urine Analysis --- Non Fasting 4.Urine Cotinine --- Non Fasting 5.Fasting Blood Sugar --- Fasting 12 hours 6.HbA1c --- Non Fasting 7.Serum Lipid Profile --- Fasting 12 hours 8.Complete Haemogram --- Fasting 12 hours 9.BIO --- Fasting 12 hours 10.HIV --- Non Fasting Name and Address of the Diagnostic Centre Address: Suburban Diagnostic (I) Pvt LtGround Fl Shop no 22 Sector no 17. Vashi Navi Mumbai Navi Mumbai Contact Number: 27884547, 27884548 Please produce a valid identification document to the doctor/diagnostic centre. You may upload your pending documents by clicking on the link below: http://ops.hdfclife.com/UMWeb/upload.do Document size should not exceed more than 1.2 MB. Once uploaded, kindly click on the confirm button after uploading all your documents for further processing. For any queries or clarification, please contact us at any of the touch points mentioned in the footer below. Warm Regards, HDFC Life [protected][protected][protected][protected]-------- Date: Mon, 11 May 2015 14:07:04 +0530 From: [protected]@hdfclife.com Subject: RE:'HDFCSL=[protected]' Proposal No:17583504 To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! We apologizes for the inconvenience caused to you. This is with reference to your email communication, we have noted your request. Kindly allow us 2 working while we get back to you with proper resolution. We hope to have addressed your query. We assure you the best of our services always. For any further queries/ clarification, please call us on[protected]. Warm Regards, Anish Singh Online Query Team-HDFC Life. From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! Date: Sat, 9 May 2015 07:16:27 +0000 KATN.: Ms. Gagandeep Kaur. Dear Madam, I am very much surprised to see your trailing e-mail. I am getting touch via e-mail & your Call Center all most every day since 29th April’15. Till yesterday(08.05.15), your Call Center people assured that all Medical reports are normal and no further requirements (i.e. documents / medical tests etc.) Now what went wrong? Please clarify, why I need to do all the testes again? You are well aware that for all tests, how much blood to be given not only that but also I need to take leave. Can you please send all the reports? If I go for medical tests again then also there is no surety that you will not ask me to repeat the same after 10/15 days? One month has passed but nothing has happened. I am very much disappointed & dejected. In last one month I have experienced very poor communication from your side and harassment instead of assistance. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________ Date: Fri, 8 May 2015 19:49:32 +0530 From: [protected]@hdfclife.com Subject: RE:'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! This is with reference to your e-mail communication, we would like to inform you that your medical has been raised for your proposal. Please find mentioned below the name and address of Diagnostic Center: Suburban Diagnostic (I) Pvt Ltd. Raikar Bhavan Ground Fl Shop no 22 Sector no 17. Vashi Navi Mumbai - 400703 Contact No.: 27884547/27884548 The Medical Test to be undergone: Medical Examination Report ECG Midstream Urine Analysis Urine Cotinine Fasting Blood Sugar HbA1c Serum Lipid Profile Complete Haemogram BIO HIV Please note 12 hours fasting is required for the above medical test We request you to provide your convenient date and time to fix an appointment for medical. We assure you the best of our services always. For any further queries/clarifications, please call us on[protected]. Warm Regards, Gagandeep Kaur Online Query Team-HDFC Life [protected][protected][protected][protected][protected] From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! Date: Thu, 7 May 2015 06:35:26 +0000 KATN.: Ms. Gagandeep Kaur. Dear Madam, This is to inform you that I have completed all the formalities / requirements required. It is almost one month has passed as I filled up the application on 10th April’15 but still the status is unknown (i.e. confirmation of Sum Assured & Premium amount etc.) Please advise, when can I expect my Policy? Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! Date: Wed, 6 May 2015 12:33:35 +0000 KATN.: Ms. Gagandeep Kaur. Dear Madam, As per the requirement of specimen signature, I have uploaded on your mentioned Web link i.e. under ‘others/others’. Kindly acknowledge & oblige. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: RE: 'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! Date: Mon, 4 May 2015 10:07:20 +0000 KATN.: Ms. Gagandeep Kaur. Dear Madam, Thanks for your trailing e-mail but my queries / clarifications are unanswered. I am slightly anxious & worried because I never had experienced about Term Plan not only me but also most of my known people. However, one of my friends recently got the Policy from ICICI Bank. ICICI Bank is very fast in communication and cooperation and my friend advised me to go for ICICI Bank but trusted on HDFC Bank as I have been Banking with HDFC Bank more than Seventeen years . My Cust ID is 460022, I am having three S B A/c., Loan A/c., Demat A/c. etc. Anyway, please advise me, what do you mean by “Application is in Proposal status” ? And when can you able to confirm about the followings: 1. Sum Assured of my Policy should be 1 CR. ? 2. Amount of premium would be Rs 25, 874 /- ? 3. Will you share the medical tests reports ? Awaiting for your reply by return. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________ Date: Sun, 3 May 2015 19:17:02 +0530 From: [protected]@hdfclife.com Subject: RE:'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! This is with reference to your e-mail communication, we acknowledge the receipt of documents sent by you. The present status of your Application is in Proposal status. Our team will get in touch with you for further requirements, if any. We assure you the best of our services always. For any further queries/clarifications, please call us on[protected]. Warm Regards, Gagandeep Kaur Online Query Team-HDFC Life. [protected][protected][protected][protected][protected] -----Original Message----- From: Debasis SARKAR ([protected]@hotmail.com) Date: Saturday, May 02, 2015 10:53 AM To: [protected]@hdfclife.com ([protected]@hdfclife.com) Subject: FW: Proposal No.:17583504, HDFC Life! R E M I N D E R ON 02/05/2015 ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: FW: 'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! Date: Thu, 30 Apr 2015 11:08:25 +0000 Dear Sir/Madam, Today I had a talk with Ms. Harsha at your Call Center, she confirmed that everything has completed from my side even medical tests reports are also updated yesterday evening. She added that my Policy will be issued within next few days. Please confirm the followings: 1. Sum Assured of my Policy should be 1 CR. ? 2. Amount of premium would be Rs 25, 874 /- ? Awaiting for your reply by return. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected]. ________________________________________________________________________________...⇄ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: RE: 'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! Date: Wed, 29 Apr 2015 10:52:54 +0000 Dear Sir/Madam, This is to inform you that today morning I went for medical tests to the Suburban Diagnostic Center, Vashi.. And as per the requirements they have done everything but my blood pressure & weight differs from my current data. When will you get those reports? Will you send one copy of those reports? And what would be the next? Awaiting for your reply by return. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.[protected]. ________________________________________ Date: Mon, 27 Apr 2015 18:04:32 +0530 From: [protected]@hdfclife.com Subject: RE:'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! This is with reference to your e-mail communication, we would like to inform you that your medical has been fixed for 28th April 2015 at 8.30AM. Please find mentioned below the name and address of Diagnostic Center: Suburban Diagnostic (I) Pvt Ltd. Raikar Bhavan Ground Fl Shop no 22 Sector no 17. Vashi Navi Mumbai - 400703 Contact No.: 27884547/27884548 The Medical Test to be undergone: Medical Examination Report Midstream Urine Analysis ECG Complete Haemogram Fasting Blood Sugar Serum Lipid Profile HbA1c Urine Cotinine HIV BIO Serum Cholesterol Please note 12 hours fasting is required for the above medical test We assure you the best of our services always. For any further queries/clarifications, please call us on[protected]. Warm Regards, Gagandeep Kaur Online Query Team-HDFC Life [protected][protected][protected][protected][protected][protected][protected][pr...⇄ -----Original Message----- From: Debasis SARKAR ([protected]@hotmail.com) Date: Monday, April 27, 2015 01:55 PM To: [protected]@hdfclife.com ([protected]@hdfclife.com) Subject: FW: Proposal No..:17583504, HDFC Life! URGENT! URGENT URGENT !!! ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.com Subject: RE: 'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! Date: Mon, 27 Apr 2015 06:17:45 +0000 Dear Sir/Madam, Thanks for your cooperation. I am back in Mumbai and eager to go for Medical Tests by tomorrow morning at 8:30 AM. I would request you to fix my appointment by tomorrow because again I have to go out of station from 29th April’15. Hope you will do the needful. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected] ________________________________________ Date: Fri, 24 Apr 2015 16:44:33 +0530 From: [protected]@hdfclife.com Subject: RE:'HDFCSL=[protected]' Proposal No.:17583504, HDFC Life! To: [protected]@hotmail.com Dear Mr. Sarkar, Greetings from HDFC Life! This is with reference to your e-mail communication, we would request you to provide us your convenient date and time to fix an appointment for medical. We assure you the best of our services always.. For any further queries/clarifications, please call us on[protected]. Warm Regards, Gagandeep Kaur Online Query Team-HDFC Life [protected][protected][protected][protected][protected][protected][protected]---...⇄ Message----- From: Debasis SARKAR ([protected]@hotmail.com) Date: Thursday, April 23, 2015 04:43 PM To: [protected]@hdfclife.com ([protected]@hdfclife.com) Subject: FW: Medical Test for Application No. S[protected] ________________________________________ From: [protected]@hotmail.com To: [protected]@hdfclife.biz Subject: RE: Medical Test for Application No. S[protected] Date: Wed, 22 Apr 2015 07:44:40 +0000 Dear Sir/Madam, This is to inform you that due to some urgent work I have to go out of station on 23rd April’15 and will come back by next week. In the above situation, I am requesting you to postpone my medical tests on 24th April ’15. Sorry for the inconvenience cause to you. Thanking you. Yours sincerely, Debashis R SARKAR. Mob.:[protected] ________________________________________ Date: Thu, 16 Apr 2015 15:27:37 +0200 From: [protected]@hdfclife..com To: [protected]@hotmail.com Subject: Medical Test for Application No. S[protected] Dear SHRI Debashis Sarkar, Greetings from HDFC Life! Proposal no: 17583504 Appointment Date - 24-Apr-15 8:30 AM Please find mentioned below the name and address of Diagnostic Center: Suburban Diagnostic (I) Pvt LtGround Fl Shop no 22 Sector no 17. Vashi Navi Mumbai Navi Mumbai Contact Number: 27884547, 27884548 Please find below the list of medical tests to be undergone: 1.Medical Examination Report 2.Midstream Urine Analysis 3.ECG 4.Complete Haemogram 5.Fasting Blood Sugar 6.Serum Lipid Profile 7.BIO 8.HIV 9.HbA1c 10.Urine Cotinine 11.Serum Cholesterol You are requested to carry printout of this letter and your ID proof while going for the test. For any other assistance/queries only, you can contact us at our toll free no.[protected] or email us at [protected]@hdfclife.com. For any documents related issues please mark a mail to [protected]@hdfclife.com. Thank You! Warm Regards Online Business -Service Desk HDFC Life Insurance Co. Ltd.

dear sir i have deposit cheque for my credit card payment in your hdfc bank naranpura branch, date:8/5/2015 ahmedabad .but till date cheque is not debit to my idbi bank account .so in this cash not my mistake i request to your cusomer care officer please wave my penalty than i do balance payment in 24 hours but your customer care department not agree to wave charges so do the need full and give reply. My query no [protected] date 13/5/2015 NILESH M DESAI [protected] EMAIL :[protected]@yahoo.co.in

Inspite of the GR from the Govt of India, MEA on allowing photo passbooks of private banks which enlists the name of HDFC Bank, as address proof for Passport application, the Bank employees, their customer care operators are totally unaware of this and refuse to issue any for salary accounts. According to RBI /2006-07/139, DBOD.No.Leg.BC.32 /09.07.005/2006-07 Banks are liable to provide photo passbooks to all the savings account holders....

Dear team, this is to your kind concern and serious action that need to be taken from your side against some of your employee from hdfc bank and the 3rd party collection department, who are doing the illegal activities which is not at all fruitful for them and the company as a whole. Actually i am having a personal loan from your company having loan account no:[protected], where in i was not able to pay 6 EMIs on time due to my ill health(Lung Infection) and loss of job and in this regards several times i had a word with your direct executives from the bank and the 3rd party collection deptt, but now the circumstances seems to be very poor and filthy as the people from your bank are illegally breaching the line of discipline and taking my call data from my service provider some how and calling to all of them seems very incorrect, pathetic and shameful, moreover there are lots of person from your end who are misusing the numbers by calling the females from my family and friends for which i had warned you people for filling an FIR against the person and the company who is giving them the freedom to do so . My request to you is that i am paying my EMI from last 3 months then why such things are happening and moreover i am not interested to settle the loan amount rather i will be paying my EMI monthly and i had made this clear to you people several times then why such kind of indiscipline and immoral activities are happening. The people from your end are calling in my office and threatening me and my staff for the police which seems illogical and impractical. Request you to kindly adhere with this complain on priority . Thanking you in anticipation yours truly Vivek Ranjan Mob:-[protected]

Dear Sir / Madam, I purchase Click to protect term plan (HDFC) I Nov.2014, but due to some technical reasons from HDFC my policy wasn’t started. Please see below mail. Noreply Term Life Feb 18 to me Dear Sir/Madam, Thank you for considering PolicyBazaar to assist you for your Insurance needs.. This is with reference to your HDFC term policy booked through us, application no. S[protected] . Congratulations!! Your proposal has been accepted by the insurer and your policy has been issued. You will your bond papers will be sent to you directly by the insurance company in the next few days. You can expect the delivery of the documents within 15– 20 days. In case you want to approach the insurer, please write an email at [protected]@hdfclife.com mark [protected]@policybazaar.com in Cc. Also, if you have any query or clarification, please feel free to approach us on above mentioned email id or call us on[protected]X7), we will be happy to assist. We take pride in our association and look forward to serving you. Yours sincerely, PolicyBazaar Customer Care Team Also I recived mails from executives that your policy not yet started due to insufficient documentation, though I already submitted documents thrice ( by mail, courier & also upload in the ops.hdfc site.) After n number of follow ups recived my policy. Also see the below msg. termlife Jan 2 to me Dear Sir/Madam, Greetings from Policybazaar.com! This is with reference to your HDFC term policy, application no. S[protected], booked through us. We would like to inform that your case is still in process and is pending at the insurer’s end. We sincerely apologies for the delay. We are keeping a track of your case and we shall keep you updated with the progress. Please bear with us in the meantime. In case you have any query or clarification, please feel free to reply to this e-mail or call us on[protected]X7), we will be happy to assist. We take pride in our association and look forward to serving you. Yours sincerely, PolicyBazaar Customer Care Team On Thu, Jan 22, 2015 at 3:37 PM, termlife wrote: Dear Sir/Madam, Greetings from Policybazaar.com! This is with reference to your HDFC Term policy booked through us, application no. S[protected]. Please note that you are not yet under the life insurance coverage of the policy. The receipt of the complete proposal form & premium initial payment does not create any obligation on the insurance company to underwrite the risk and they will not be liable until such time they have underwritten the risk and issue the Policy. The underwriting will be based on the information provided in the proposal form and the information available in other documents like income proof and medical reports. Please note that depending upon the medical history and evaluation of the medical reports you may have to pay some additional premium. You are requested to help us to expedite this process by submitting the below documents at the earliest to avoid any delay. 1. Latest Photograph of Life Insured (Color) 2. Age proof & Identity Proof (Any one) PAN Card Birth Certificate Passport Aadhar card Driving License 3. Current and Permanent address proofs (If both are different, then both the proofs are required) (Any one) Bank Account Statement Electricity Bill Employer Certificate Passport Aadhar card Telephone Bill Valid Lease Agreement with Rent Receipts 4. Income Proof (Any one) Self Employed - * Latest 2 years Income Tax Return and 2 years Audited Balance Sheet and Profit and Loss Account * Latest 2 years Form 16A Salaried - * Latest 2 years Income Tax Return * Latest 2 years Form 16 * Latest 3 months salary slip 5. Signed copy of last page of proposal form (If annual premium paid is Rs 50, 000 or above) 6. Electronic Clearing Service (ECS) / Credit Card Mandate form, in case payment periodicity is monthly or quarterly. Please send hard copy of this. We shall keep you updated with the progress .Please send self attested documents to the insurer at [protected]@hdfclife.com and mark [protected]@policybazaar.com in Cc. Please ensure that the size of the mail is not more than 5 MB. In case of bigger size please split the attachment into different mails. In case you have already uploaded / shared the documents / reply, then please confirm the date when it was done / (preferably) share the email sent to the insurer, so that we can assist you further. In case you have any query or clarification, please feel free to reply to this e-mail or call us on[protected]X7), we will be happy to assist. We take pride in our association and look forward to serving you. Regards, PolicyBazaar Customer Care Team After this suddenly I got the following msg that Dear Mr. Kadam, Greetings from Policy Bazaar.com, This is regards to your HDFC term plan. As per the information available to us from the insurer, for your case risk commencement date is 14/11/2014 and the policy issued date is 04/02/2015. However, as you paid 3 months premium which was settled till January 2015. Insurer did not receive the ECS mandate hard copy the Direct Debit is not activated towards the policy and policy was lapsed as the premium due date is on 14/02/2015. Hence, we request you to pay February and March 2015 premium via other mode (Online, Cash, DD, Cheque) and submit the ECS mandate and Cancelled Cheque at any nearest HDFC Life Branch for Direct Debit activation. In case you have any query or clarification, please feel free to reply to this e-mail or call us on[protected]X7), we will be happy to assist you. Regards, Priya Mishra Customer Relationship Team - Term Product Policybazaar.com Please go through with the mail attached it clearly states that till Jan - 18 my term policy is in process, & suddenly now i received msg tat my policy been lapse mode on 18 Feb. 2015. How can it is possible because I paid premium for three months. & if the policy started in JAN end how it could lapse in 1 month. Please help me in this regards, Thanks & regards, MANGESH [protected]

This is to inform u that I have already sent a complaint to u people for mentally harressment for loan repayment of Mr. Harish Iyer on 19 may 2015 but still now no action is been taken by your side still I keep on getting calls from different with a new name shailesh[protected] for the same so I am really fed up with you people and I'm going to the CBI BRANCH as I have many contacts over there and make a complaint on HDFC BANK for prepairing a fruade documents of mine and mentally harressing me to repay the loan amount of Mr. Harish Iyer so be ready for the further consiquences. Even after this if I get a single call from your side I will make sure that you people pay me a sum of 10 crs and above.

Hi I am Martin from Thane, Maharashtra. I have a personal Loan with HDFC bank. Its EMI date is on 7th of every month. My salary gets credited to my account on 7th of every month by afternoon or evening. I don't have any account balance in my account till my salary gets credited. Every month the above mentioned personal loan is presented in my account by 7th in the morning. Because of insufficient balance in my account, this EMI returns and again presented on the next day ie. by 8th. In second attempt the EMI is presented and the amount gets debited from my account and the statement shows as clear transaction and hence there was not charges. This happens every month. But this month ie. May 2015 the EMI is presented for the personal loan on 7th May in the morning and again the second attempt is made on the same date ie. by 7th May after few hours. Now the bank again presented the EMI on 9th May and this time it has been presented as EMI recoverable amount and the bank also levied charges for EMI returns. This time the bank has not give a gap of 1 day for next attempt. When I talked to the bank they told me, earlier it was not charged, so now they will charge for the previous EMI return as well. But the bank statement showed for previous EMI transaction as cleared transaction and not EMI recoverable amount. During this period I neither got any call nor any email / SMS from HDFC bank. Kindly suggest or help, what action should I take on this regard Thanks in advance.