HDFC Bank Complaints & Reviews

Hi HDFC LIFE, <'HDFCSL=[protected]' Proposal No. 17070981> I have seen really worse customer services and delay in response but you guys have toppled all the bad service record. To put my point: 1) I paid all in advance on 4th september for this term policy. 2) Submitted all mandatory documents at that time itself. 3) After 20 Days no communication about my medical from HDFC, I myself called many times and dropped mails twice and thrice (can check the below thread) for setting up my medical test. 4) Finally on 27th sepetember my medical got over. 5) Now from 27th September to till today 8th november it's been more than 40 days and I just receive one or another verification call or some email asking about more medical reports which i don't understand when you have performed medical in your own assigned clinic why needed further. In this association of mine with you in last 2 months, I have literally have been on the edge of frustration, it's all takes from your representatives but no concrete work in delivering policies on time. What I am not able to understand, how you can expect customers to believe in you, when you can't perform the first step right. When a customer opts for a Term plan, you should understand it's about a life and a family whom he/she cares about, so unless he feels satisfied after how he can be assured that after his/her life you (HDFC LIFE) will take care of things smoothly. This has been embarrassing for myself to fight for something which rightfully is mine and in response to that i just get is some lies about on-going process or the false policy delivery time. Please wake up guys, this way nobody is going to opt your policies, such bad services can't attract more customer base. Regards, Saket Sharma

MEMBERSHIP FEE INCL ST & CESS Charged For Credit Cardexplain to me why charge ST and CESS on Credit card fee(Rs-673. 40) dated on[protected]? Requesting you to explain what would have caused this charge on my Credit Card Account. for any queries call on [protected]

Dear sir, This brings to your kind notice that i use the credit card no ending 5734, i have used this card in September last week till now. I was told that we get interest free credit period for 50 days starting from the day of credit -- when the card is given, many hidden information are not given !! 1--No information was given to me regarding the bill cycle. -- no mail, sms, no courier or post 2--even before going, i spoke to phone banking number of times for details, any outstanding, etc -- no information was given regarding the outstanding and that i have to pay my dues 3--When with my own curiosity i asked today the phone banking number regarding my dues. i was told that interest has been charged on my dues. 4-- i opened my international limit on phone banking, and i spoke to the executives no of times, but no idea was given to me regarding payments -- i informed them also that i will go out of india from 14th to 23 rd october 2014 --- i should have been informed for my dues by them as i all the time asked them that should i pay in advance before going, so that my limit does not stop? they always said that no you can come back and pay as per your bill !! 5-- i do not use credit card for loans and interest --- it is for ease and cash safety, sir, do not levy me with interest for which i strongly oppose and never demanded for this credit on interest 6-- i strongly oppose to this interest and penalty, please reverse this and i pay my dues the next day please do it soon 7-- there were even plans to link my life insurance policies from november onwards as my premiums fall due from dec every year, and link my electricity and mobile bills from the credit card -- if my complains are not redressed to my wishes and my right is not given to me, i will not use this credit card facility and denounce your working This is totally wrong and i strongly object to this as no bill, no sms or mail was provided to me regarding my dues and i was under this impression that i get a 50 days leverage. I am a very old customer of HDFC bank with more than 12 a/c, saving and current of me myself ([protected], [protected], [protected], [protected], [protected], [protected], 5243, 7012, ), loan accounts, and my industry account, and cc limit of my anupam industries, my brother rajeev srivastava, rakesh srivastava, father SP srivastava and my family and i believed HDFC to be a transparent body with clear instructions. Please reverse my interest so that i pay my dues without any hassle and remain as your privilege customer with good will and regard. Thanking you. Yours Dr Anoop Srivastava

Hi I have a HDFC Credit Card, which I am using for last 2 years. It has a limit of 61, 000 and till now I have paid around 45000 rupees. It is showing the dues of Rs.74000. Which I cannot because of bad financial problem. As I see Total limit is of 61000 subtract total payment till now 45000, is 16000 rupees. Due to my bad financial issue I won't be able to pay 16000 rupees as well. Please help me to get out of this situation. I am tired of giving explanations to credit card company. [protected]

Hdfcbank versovaova bank has deducted rs rs. 393.26 on 9-4-14, ₹280.90 on 12-5-14 ₹280.90 on 14-6-14 and ₹280.90 from my sb account for not maintaining minimum balance of rs.10000/-as far as I know there was a directive from RBI that banks should not deduct money from customers for this reason.please help me. My account no.is [protected]

Dear sir, This is to inform you that i had taken a 2 nos. policy from hdfc life one in 2006 having policy no.10113714 another policy no.12277823 in 2007.in june went i went to hdfc athawagate branch, surat.they told that there is a recession in market hence you will have 2 options one is to surrender the policy and one is to getting transfer in new policy. But i had surrendered the policy and i got my amount 112650/- in sept.2014.but on 19 october i received the call from insurance verification dept.delhi how much policy you have and what type of service i am getting from insurance co.but while conversation they informed me that i get the short amount from hdfc life against policy no.12277823.if you will to get another amount before diwali. So, i told that if i will get back my fund value return i will ready to take.so, they informed med that we are forwarding your complaint to hdfc life.so, i received the call from hdfc life. Mr.Subhash jain from hdfc life marketing dept.is says that you had received only 50% fund value from hdfc life which is invsted by hdfc life in market and balance 50% fund valu which is invested by him in another 3 companies that amount is pendins and it is transferred in agent account who had given me the policy. And you will get around 92000/- amount with in 10 to 12 days for that you have to take a new policy for generating the agent code and 18000/-premium which is refundable with to me. Total amount will be refundable around 1, 10, 000/-with in 10 to 12 days. But now mr.subhash jain is not contacting to me from that day and when i calling to hdfc life they are able to connect with mr.subhash jain. Also, i already informed by mail from 1st day itself for all the conversartion but the customare care department is also, not responding . So, I want to lodge the complaint against hdfc life and need your help to taking back my money. Regards, Joginder Singh Rajput cell no.[protected], [protected]

While offering credit card to me the bank representative not explained me the charges applicable while withdrawing the cash from ATM. & now they charged 300 RS per transaction... I requested them to reclaim them to me in upcoming bill but they are avoiding the same.

My name is Jaison Fernandez, My HDFC Savings Account No.: [protected], KAZHAKKOOTAM. Mob.[protected] The amount has been deducted from my balance without my knowledge. Details of these detections are Please take action and revert back my money. I given these kind of complaint against HDFC bank last year also. After that I was not tracking my balance and now it in negative amount. Please don’t cheat your customers. Moreover, since I am a classic customer of HDFC bank, no AMB charge is applicable for me. 21 Oct 2014 AMB CHRG INCL ST & CESS FOR SEP2014 21 Oct 2014 22.88 0.00 02 Oct 2014 AMB CHRG INCL ST & CESS FOR AUG2014 [protected] 02 Oct 2014 44.12 22.88 24 Sep 2014 ECS CR NANDAN DENIM LIMITED-[protected][protected] Sep 2014 60.00 60.00 22 Sep 2014 AMB CHRG INCL ST & CESS FOR AUG2014 22 Sep 2014 349.14 0.00 19 Mar 2014 ISAQMC-ST-EC Jan-Mar[protected] Mar 2014 112.36 338.14 19 Dec 2013 ISAQMC-ST-EC Oct-Dec[protected] Dec 2013 112.36 390.50 05 Oct 2013 ISAQMC-ST-EC Jul-Sep[protected] Oct 2013 112.36 1, 064.66

I(Suresh Baddika) have taken loan#22274920 in your bank and I completed 26 months EMI's so far with out any due. I called to the customer care for preclose details for my loan. They mentioned 4.4% service tax towards the preclosure charges from October 1st, 2014, and this is not intimated to me. When I took the loan they the executives told me that I can preclose my loan after completion of 24 EMI's with ZERO percent. Now they are telling as per the RBI guide lines we are charging 4.4 percent towards preclosing the existing customers. My strainght question to the HDFC Management why other banks are not charging the preclosure charges. Your bank looks like looting money from the customers in every possible way. I have taken 4 loans in your bank so far and the bank people took the money for preclosing one loan and processing for another loan in a same time. This is happened to all my 4 loans. I finally want to give complaint on this to Executives of HDFC Bank, how this bank is taking money towards preclosing, processing and other mandatory insurance premium for every Loan I took. Since 6 Years I am maintaing my good relationship with your bank. Now I decided to stop my relationship with your bank. I took my first step to avoid this bank in future by cancel my credit card in this bank. And I will convey this incident to all my people in my circle how HDFC is taking money.

Dear sir, This brings to your kind notice that I use the credit card no [protected], I have used this card in September last week till now. I was told that we get interest free credit period for 50 days starting from the day of credit. No information was given to me regarding the bill cycle. When with my own curiosity I asked today the phone banking number regarding my dues. I was told that interest has been charged on my dues. This is totally wrong and I strongly object to this as no bill, no sms or mail was provided to me regarding my dues and I was under this impression that I get a 50 days leverage. I am a very old customer of HDFC bank with more than 12 a/c of me myself and my family and I believed HDFC to be a transparent body with clear instructions. Please reverse my interest so that I pay my dues without any hassle and remain as your previlage customer with good will and regard. Thanking you. Yours Dr Anoop Srivastava

Hi, This is of grave concern that HDFC Bank has issued a credit card on my name to another unknown person. Even after repeated mails and calls, the issue is still not resolved. Below is the details : 1. I already have a HDFC Credit card, which is valid till 2016. But, without any prior notice /information, the bank transferred the card and registered a new credit card on my name. The due amount was also transferred to the new card. 2. The new card and PIN was then delivered to some unknown person (not to me). I have raised this issue with Customer centre & Grievance Redressal forum of HDFC, but to no result. 3. Now, the bank has been calling repeatedly to my home number (instead of calling me ) and asking to make payments. I have told and written them clearly that I cannot make payments against the new card, which I do not even possess. God knows, who has that card and what he has done with it till now. 4. Even after repeated mails and calls, the issue has not been resolved and they keep on adding Finance and Late payment charges against my name for a card that I do not have with me. Kindly take up this matter and do the needful. Thanks in advance ! Regards, Santak Dash Mohapatra HDFC Customer ID : 46085671 Mobile: +[protected]

Dear Sir, attache loan form slip &amp; call Records Pl z Help me &amp; others I got a call from [protected] Mrs. Shruti Sharma regarding loan of 2 lac. She told me I called from HDFC BANK LTD LOAN DEPRTMNT that loan approved within one week in your account but file charges 1350.00 Returnable . after submitted all document and check they self chaque no. 019234 date 10-oct-2014 &amp; when chaque cleared date [protected] in name cash withdrawl of shahzad alam saifi to that check after 1 week i got call To Mrs. Shruti On [protected] they told me that your loan will be dispatch in next 2-3 hr but after that They are not talking with me and no any response from there… Called From Mrs. Shruti Sharma [protected] Provided Mob. No. [protected] Doc colectiion name Mr. Rahul mob. No. [protected] &amp; [protected] Pl z Help Me &amp; others Persons Whoes with froud by thiese person Other proof call record pic of document collection in my hand -- From:-With Regards K. C. MATHUR Sr. Accountant Mohini Originals B-25, Phase -2 Noida-201305Mob-[protected]

with the description NWD DEC CHG (ATM Withdrawal charges) eventhough my account was opened as salary account and was said there will be no sur charges for any no of withdrawals from ATM other than HDFC. There were no intimation re. cogarding the policy change if any also. This is very bad and unprofessionalism as a reputed worldwide bank shouldn't be doing this...

Hello Sir, Myself Karthikeyan and I purchased my credit from HDFC bank few days back. I clearly confirmed with the HDFC Credit Card agent whether my card has "Dial an EMI" facility or not. Agent confirment that my card is eligible and I can avail it through net banking after the purchase. I also confirmed about the "Dial an EMI" option when HDFC people called me for verification. So, today after I made my purchase and when I tried to convert my purchase to "Dial an EMI", I see that option to be unavailable in my Credit Card Net banking. When I enquired about the same to their "Customer Care", they clever say that the offer is applicable to my card but we don't know when you will get it. The Customer care agent "Mr. Praveen Kumar" said i might get within days or even after months. When I was asking their agent while buying the card he said I am eligible by default. But now when I say the same to the Customer Care the exact words are "We apologise on behalf of our agent but you dont have the offer currently." If the agent had said the same when I was buying the card, I would have found BETTER bank compared to this CHEATING HDFC. I want a clear reason why HDFC agent lied to me and why the offer is not applicable for me currently. Thanks Karthikeyan R. [protected]

Hello, I have done IMPS transfer of 25000 rupees from HDFC bank to Citibank account. Received a SMS saying that transcation is timed out and contact bank with ref no. when i contacted HDFC with reference number, they asked me to wait for 3 days and if amount not debited, i need to register a complaint. This is very bad customer serivce by HDFC bank with no proper guides to solve the issue. IMPS Reference Number:[protected] herewith i request HDFC bank to process this as soon as possible as i am in need of this transcation done in a day. Thanks

Hi Sir / Madam, I am using HDFC credit card from 2011, almost from past 3 years. I have upgraded my card for thrice, and did lakhs of transactions on the card. Till March 2014 everything went good. But after March 2014 you people stopped co operating with me. There are no offers given for me on card, at the time other people having offers on card. Particularly, regarding the EMI conversion of the billed amount, you people made me as not eligible customer for EMI. Till now i did not missed any payments, may be i would have missed due dates, but paid single penny also. I had a Jumbo loan on my card till July 2014, i have paid every month EMI very regularly. After closure of Jumbo loan when i asked for loan one more time, people said i am not eligible for loan on card. I took personal loan from HDFC bank in 2013, i paid all EMIs without missing. I got the loan with Interest rate of 13.75%. But after closing the loan, when i asked for another loan people started asking for increased interest rate of 17-19%. What was the wrong i did, i was not able to understand. By the way i am having Savings account also from HDFC bank. When i called to customer care for helping me regarding the EMI conversion on a particular purchase on my card, people said they were not able to. When i asked them why i am not eligible now, and all of my friends are eligible, they had given me a rude answer. "You are not eligible sir, thats it. we cant help you. If you want you can close your card, and they are ready to help with the closing of card" - I did not expected this kind of answer. Sorry for asking like this, what is the procedure to close my account and Credit card both. Please let me know the procedure to my personal mail which is mentioned below. Why i have to continue with HDFC bank, when they are not helping me. My Name: Guruprasad B Email Id: [protected]@gmail.com Thanks & Best regards, Guruprasad B

Pathetic Sales Service, completly looted, where employee blaming each other for the act. After wasting my time and money, they blame each other. Can HDFC will task these people Ms. Shreeya and Lalan Singr ([protected]@hdfcsales.com). What happen to HOME loan file no:[protected], According to Shreeya I am not suppose to process the loan, why then HDFC taken money and asked for other documents, after submitted documents, saying rubbish reason for rejection. (Shreeya saying because land is belong to my wife and sister name, HDFC cannot process the HOME LOAN). I already informed this to LALAN SINGH before start with HDFC, He said we need NOC from your sister, that I did. then, property search report, then all financial doc from my sister etc, I provided all... but all waste >>>>>>>> I am very angry with HDFC, specially RAIPUR and BILASPUR (CG) branch Virendra [protected]

Lalan Singh ([protected]@hdfcsales.com) was the contact person, after a month time HDFC bank (Ms Shriya, raipur branch) told me that my loan cannot process as the land is belong to my wife and sister name that I initially told them before applied for a Loan. They asked me processing fees of 7306.00, taken from my account (ICICI[protected] on dt. 15.10.2014 and also asked me for numbers of documents, here also I spent 3k. I don;t know if HDFC bank new this rule that I cannot avail HOME loan if land is belong to my wife and sister name they why they file it, why then taken money, why they asked other documents? My file no. :[protected]Got SMS)

HDFC SL ProGrowth Flexi insurance plan. (Purchase date 18th December, 2013). Below are the complaint points: 1- I have been told that premium paying term is 5 years but actually it is 10 years. 2 - Also, I have been told that at maturity, I will be getting Rs. 3 lakhs or NAV value, whichever will be higher. But, in actual, I will be getting NAV value. From above statements I was mislead by HDFC personnel (during confirmation call too) that after paying Rs. 1.5 lakhs (30, 000 yearly) during 5 years of premium paying term, I will be getting NAV value or Rs. 3 lakhs whichever is higher. But in actual, 1. I need to pay Rs. 3 lakhs for 10 years, which is double the amount I have been told. 2. And I won't be getting at maturity at least Rs. 3 lakhs. I will only get NAV value, which may be less than Rs. 3 lakhs. As per reply from HDFC against complaint raised, I should surrender the policy after 5 years. Hence, I would like to cancel the contract and want my paid premium back (Rs 30, 000.00) along with interest for the period from policy purchase date till resolution.

Dear Sir, I have used a credit card since 2 years i have used only Rs. 5000/- only but many interest add in my account and total outstanding amount is Rs. 31000/- approx. kindly do the needful. My detail as follows - Name - Pradeep Sirture Credit Card No. - [protected] Regards Pradeep Sirture Mob. - [protected]