HDFC Bank Complaints & Reviews

I am working in Gulf and I have been to India 2 months back for a 15 days emergency leave. My friends advised me to take Term insurance, since I am flying countries frequently. Based on their suggestion, I have applied for HDFC online term insurance and I have my 1st premium onlie & produced all required documents transparently to HDFC. I told them clearly that I will be available only for 15 days and if I need to undergo any medical, please arrange for it immediately. But the representative misguided me stating that Since my policy value is only 50 Lac, I am not required to undergo Medical test. Later after I left India, I got an email stating that I need to undergo medical test immediately. When I asked the HDFC representative why didnt you inform while I was in India and I have told your representative several times that I will leave india in 15 days time. But then they said that I have no other choice that until I undergo medical test, my risk will not be covered and I wont be issued Policy. Then I told them If my risk is not covered, kindly refund my 1st premium which is paid online. Since then, I have sent 15 to 20 e-mail to the customer care and spoken to the HDFC representative, still now I didnt received even a single penny from HDFC Life. I wonder If they couldnt refund a small amount of 6000 INR, how will they settle massive claims of 50 Lacs. HDFC life is totally cheating. Sales Representatives will motivate and give false information to generate sales and he will be benefited with commission, but we as a customer end up with complete frustration and our life doesnt have any values to them.

deer sir / ma'am personal lon apply 7th nov 2014 Rec sms 14th nov 2014 Rec no[protected] but it is rong till date no record not found Name --- Mehar Ram, Date of barth --- 15/12/1981, pan no--- AZNPR5555P

Maine kai bar bank branch kota Me iske liye sampark kiya lekin koi satisfy answer nahi mila or bank se mujhe bataya gya ki hdfc bank me over draft against fixed deposit ki hi suvidha h krapya poori jankari dene ki kosish Kare . Kya m is suvidha ka Haqdar ho sakta hu Mujhe bataye

Dear sir Kindly do the needful Sent from my iPhone Begin forwarded message: From: Sumnesh <[protected]@gmail.com> Date: 17 November 2014 1:12:11 pm IST To: "[protected]@hdfcergo.com" <[protected]@hdfcergo.com> Subject: Re: 'Service ID=[protected]' Renewal critical insurance policy Dear sir At the time of purchase the policy, is there any condition in the policy wordings or told by hdfc ergo representative to customers that the policy can be renewed only through hdfc net banking or credit/debit card. That i want to know so why i can't renewed the policy by using other banks net banking or credit/ debit cards Thanking you Sent from my iPhone On 15-Nov-2014, at 3:52 pm, "[protected]@HDFCERGO"<[protected]@hdfcergo.com> wrote: Dear Mr. Tyagi, Thank you for your e-mail dated 14th November 2014. We wish to inform you that your policies can only be renewed through HDFC bank credit card, debit card or net banking facility. Further, the expiry of your policy is 26/11/2014 hence you shall receive a call from our representative before expiry of your policy and at that moment you can discuss with him about other renewal options. Note: With INSURANCE PORTFOLIO ORGANIZER (IPO) you can avail host of benefits like a) Link, View & Email your insurance policies b) Edit your correspondence address c) Register & track your motor and health claim status d)View your health card e) Locate our network garages/hospitals/branches Visit URL and download our IPO Mobile App instantly : http://www.hdfcergo.com/MobileAppsDownloadPopUp.aspx For any further queries please feel free to contact us on: Toll- Free Helpline : [protected] from any Landline & Mobile [protected] from MTNL or BSNL Phone E-mail address : [protected]@hdfcergo.com Sincerely, Customer Experience Management Team This email and any files transmitted with it are for the sole use of the intended recipient(s) and may contain confidential and privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies and the original message. Any unauthorized review, use, disclosure, dissemination, forwarding, printing or copying of this email or any action taken in reliance on this email is strictly prohibited and may be unlawful. The recipient acknowledges that HDFC ERGO General Insurance Company Limited, is unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in email transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of HDFC ERGO General Insurance Company Limited. -----Original Message----- From: Sumnesh ([protected]@gmail.com) Date: Friday, November 14, 2014 06:57 PM To: [protected]@hdfcergo.com([protected]@hdfcergo.com) Subject: Re: 'Service ID=[protected]' Renewal critical insurance policy But whatever the problem, you should solve the issue so that i can renew the policy in time by any other banks net banking/credit card Sent from my iPhone On 14-Nov-2014, at 1:43 pm, "[protected]@HDFCERGO"<[protected]@hdfcergo.com> wrote: Dear Mr. Tyagi, Thank you for your e-mail dated 12th November 2014. We wish to inform you that due to system constraint the policy can only be renewed through HDFC bank credit card, debit card or net banking. Further, you shall receive a call from our representative before expiry of your policy and at that time our representative will assist you with the renewal with other options. Note: With INSURANCE PORTFOLIO ORGANIZER (IPO) you can avail host of benefits like a) Link, View & Email your insurance policies b) Edit your correspondence address c) Register & track your motor and health claim status d)View your health card e) Locate our network garages/hospitals/branches Visit URL and download our IPO Mobile App instantly : http://www.hdfcergo.com/MobileAppsDownloadPopUp.aspx For any further queries please feel free to contact us on: Toll- Free Helpline : [protected] from any Landline & Mobile [protected] from MTNL or BSNL Phone E-mail address : [protected]@hdfcergo.com Sincerely, Customer Experience Management Team This email and any files transmitted with it are for the sole use of the intended recipient(s) and may contain confidential and privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies and the original message. Any unauthorized review, use, disclosure, dissemination, forwarding, printing or copying of this email or any action taken in reliance on this email is strictly prohibited and may be unlawful. The recipient acknowledges that HDFC ERGO General Insurance Company Limited, is unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in email transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of HDFC ERGO General Insurance Company Limited. -----Original Message----- From: Sumnesh ([protected]@gmail.com) Date: Wednesday, November 12, 2014 08:06 PM To: [protected]@hdfcergo.com([protected]@hdfcergo.com) Subject: Renewal critical insurance policy Dear sir I have hdfcergo health policy no.[protected] other policy[protected]. Both policy renewal due on 26/11/2014, i have tried to renew by online banking many time but i can't renew the above policy. When i try to renew online there is only option by hdfc net banking, Hdfc credit card/ debit card, when i talked to customer care they replied you can renew online only by hdfc net banking or credit/debit card. I want to know why can't renew the policy by using the other online banking, how hdfcergo can insist to the customer to use only hdfc banking Waiting for your reply. Sumnesh Tyagi

I have been using an HDFC Credit Card for more than 3 years now. Recently, in the month of August-2014, my old card (which was about to expire) was replaced by a new Credit Card. I have received the new card quite sooner than expected. But the worst part is that till now I have not received the PIN no. for the same. It is more than 3 months now since I received the new Credit card & in the span of these 3 months, I have already called Customer Care at least 5-6 times & requested to send the PIN no. at my registered address. Every time I got the same response from the Customer Care executives that they have put the request & I can expect the PIN no. to be delivered within 7 working days. Those 7 working days have never come to an end. I have not received the PIN no. yet & this is causing much inconvenience to me. People should really have more than normal level of patience in order to just speak once to the Customer Care Executive. So, I would request the concerned individual to kindly resolve my issue & send me the PIN no. for the credit card at my registered address.

Myself Biswa Ranjan Mahapatra and on 15/10/2014 when i was filling GATE 2015 form mistakenly my A/C No-[protected] has deducted of amount 1520/- because why i have made complaint on home branch also but till now it has not been refunded.

I took a policy endowment insurance from HDFC life (it was big mistake to take a life insurance from HDFC life insurance) 9 years back. I paid promptly the insurance premium every year totalling 140000/- I found they were declaring only 2% or Rs. 10/- bonus where as LIC for same kind of policy declares Rs.50 to Rs. 55 bonus, after finding this, I thought there is no point in continuing this policy. I sent surrender request. Even surrender will not happen quickly, you need apply for quote wait for 10 days and then they will give u pea nut quote. They gave me only 69000 as surrender value. This is big cheat I believe. I had accumulated 89k as bonuses nothing has been added, they are saying upon surrender bonuses will not be added in surrender value. I believe they are just cheating customers. I am in total loss with this HDFC life policy. I HATE HDFC LIFE insurance, I will never recommend any HDFC products in my life. - Raj

My son had used a credit card issued by HDFC Bank branch in Chennai. He has made purchases for Rs.1900 in October 2011 using that credit card. He has gone abroad in December 2011 and forgot to clear dues of Rs.1900 to HDFC. Now, he wants me to contact the Bank and pay the dues with interest not exceeding 24% p.a. But the Bank demands Rs.9000, almost 5 times the amount due. I am shocked to see that the Bank wants to collect a penalty of 400%, which is beyond comprehension. What is the remedy?

Hi My name is Sundaresa Guptha D. My Loan account number is 22898895. I have taken a credit card and a PL. I am abt to finish my credit card outstanding. But due to some financial crisis I am not able to repay my PL. I have paid more than 15 months and I still have 1, 07, 000 Pending. Few people are torturing me by coming to my room and my relatives house stating that I have abscond for past few months. I am still using that account and my permanent address is active. Now they are saying that they have filed a case in police station against me. Please help me in settling this loan for a considerable deduction. I will pay 70 K in 4 installments for sure. I have just joined in a job and this is the best i could do.

This is to inform you that I had taken a two wheeler loan from HDFC Bank (Loan a/c no. 1159017)in 2005 and I was paid my EMI on time. But unfortunately my bike was stolen then I had submitted all vehicle documents and insurance papers to the Relationship Manager HDFC Bank – Asansol Branch. The RM assured that my loan a/c will be closed. Some days later I have contacted the Kolkata head branch and I was surprised to find that my loan a/c is still outstanding of RS. 16600/-. I therefore paid the outstanding amount together with a fine of Rs 3000 on 10.01.2014 and obtained the NOC. I asked to the representative of Kolkata branch that I will be eligible for any loan in future from HDFC Bank and he assured me yes you are eligible. But recently when I am applied for a personal loan from HDFC bank my loan application was rejected due to my CIVIL Reports is showing SETTELD. Now requested to you kindly remove the word SETTELD so that I do not face any problem in taking loan in the future. C.C :- 1. Customer Care - CIBIL 2. Customer Care – Consumer Forum Thanking You, Sona Mahato [protected]

This is my Application number : CC20160863, Dated : 29/10/14 Under the Name : Meganathan J . I had applied for Credit card in your Bank at branch ____________, inspite of being requesting many time for the status of approval . I haven't received any information on the same . I would request you to let me know what is the status and when would i get the card. Looking forward to your reply . thanks you, Meganathan +91 [protected]

Dear Sir, We have credit card swaping machine in favour of Fashion Point Tid No. 40206131, Mangal City Mall, Indore. Our 1 shop was at indraprasth tower. indore in favour of fashion point which we have closed at[protected]. there was 1 swaping machine and we have surrender that machine on dt.[protected] that TID No. was 40203420. but bank are charging bank charges regular from feb, 2014, Bank have charge expenses 22.2.2014 168.54 27.3.2014 168.54 29.4.2014 561.80 29.5.2014 561.80 12.6.2014 561.80 18.7.2014 561.80 25.8.2014 561.80 22.9.2014 561.80 25.10.2014 428.65 25.10.2014 432.59 18.11.2014 561.80 [protected] 5692.72 Please check and wave charges which you have charged otherwise you will loose your old customer. We have complain to your executive Mr. Neeraj Mobile No. [protected] last 3 month but they are not giving response we are your old customer and you will loose your customer like this and we have other showroom also there we are using your swaping machine. 1. Fashion World, Bansi Plaza, M.G.Road, Indore. Ph.[protected] 2. Shree Fashion Mangal City mall, Indore Ph. [protected] 3. Shri Anekant, Mangal City Mall, Indore Ph.[protected] 4. Fashion Point, Mangal City Mall, Indore Ph.[protected] We hope for your kind co-operation. Regards, Pradeep Khanchandani Fashion Point Indore M-[protected]

On 3 Nov 14 I used my card to pay the Hotel Bill for GBP 700, the card transaction was declined first time hence I used my card again to pay the Bill this time transaction was successful but the money was debited twice from my Forex card account. Despite of many follow ups there is satisfactory response from Bank. I am in UK hence this was a international transaction. I've submitted them the declined transaction receipt and declaration from merchant to refund me the money back to my account for the void but Bank is not taking action for this, Can you please help me to sort this matter out.

I have applied thrice for re-issue of credit card, but till now they are just justifying that they have not rcvd any letter from me. I have lost my card on 01.10.2014 & blocked the card on the same day. I have applied on 06.10.2014, 25.10.2014 & again on 05.11.2014. I haven't rcvd any positive feedback from them also. Name- Biplab Nath Email- [protected]@gmail.com Call- [protected]

Hi, A strange process followed by HDFC Credit Department, which never informed while issuing any new card to any customer neither it’s written in any terms and condition that to reapply or close of any card or account we need to submit a hard copy to bank. Really strange that no other banks are following this process. In today’s busy world who has the time to go to bank and submit written application or even go ahead to courier or post the hard copy, for any kind of changes for your own account when there are others ways to authenticate through online? I had a card which was blocked in the month of Aug, 2014 and after that I never reapplied neither given any written communication to reissue a new card. But strangely a new card has been issued to me which I never received and now they have charged me the membership fee without ant intimation. When I asking for the reversal they are asking me to follow the procedure by submitting the hard copy for the closure and reversal of the amount. My question to HDFC, in the 1st instance why it has been issued when initially I have not followed the procedure to reissue the card by submitting any written application nor any one informing the customer about this kind of bull procedure. Really pathetic service and procedures HDFC is following and making the customer upset and unhappy. Please reserve the amount as I will not be making any payment towards this. Thanks & Regards Priyanko Sinha [protected].

Hi, I tried recharging my VODAFONE number through online recharge with an amount of 155 INR through HDFC net banking. My mobile is not recharged but the amount has been deducted from my account. Do rectify the mistake and credit the same amount into my account. The txn id is 448521 . Do contact for further details.

Hi Team, I sent the mail to correct the nominee relationship and address at 7th Oct 2014 and it is still not corrected. It's about more than 1 month and the request are still pending and also didn't got any response from your side. Not satisfied with the service. At this time I am thinking that I got stucked after buying the Policy from HDFC Life. Before applying for the policy, I got lots of call to buy the policy but after getting the policy no any response coming from the HDFC Life. Please find attach the proof. Thanks, Syed Safdar Abbas Rizvi +91-[protected]

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...

Hi HDFC Bank, I got a call from no.[protected] at 11:56 AM 8th Nov. A girl named "Mrinda" was on the line from HDFC Bank. She asked me about one of my friend name kundan kumar. Do you know him ? is he your friend. i said yes. Now she started telling about whole story that, my friend have some ammount due from HDFC credit card. So i have to inform him & force him to deposit that amount As soon as possible. Now the main point which is totally bull- Lie. She said my friend register my named as a bank guaranteer. we have all the detail of your account also, we can block your account & will recover that money from my account. she simplly threatening me. i have no idea whats going on. i never sign/register as a guaranteer of my friend named kundan. i am colleagues of him & working in same company, that it. She again called me at 12:12 PM asking the same, Did i inform him or we will recover the money by different way. HOW CAN ANY ONE FROM BANK WILL TALK TO HIS CUSTOMER & WRONGLY THREATEN!! I NEED A ANSWER!! I can't tolerate. I Want To Register a Complaint Againt HDFC BAnk i am going to churn off my HDFC Bank Account. Puneet Kumar [protected]

Dear HDFC, i am a policy holder from HDFC ERGO for my Hyundai Verna ( HR 80 9000), which is a zero dept policy (policy number - [protected] 000) i had a small accident on 5th November 2014 which damaged both the bumpers of my car. My car was given to DAHIYA HYUNDAI in Rani Bagh Delhi on 7th Nov 2014 for repair work. On 11th Morning i got a call from the service centre regarding some approval issues for the car stating that only the half amount for painting of bumpers have been approved by HDFC ERGO . I called the surveyor for HDFC ERGO ( Dheeraj Sood - [protected]), asking him about the issue. i was informed that the bumpers of the car had some scratches earlier, which in there terms are considered multiple damages. In these era, where road is full of traffic and hectic things, due you think its possible for a car not to have any scratches on them? or is it possible to get every scratch or minor damages in bumper repaired under policy every time it happens since it takes 2-3 days and costs you Rs1000 as claim charges.? This is highly disappointing and pathetic service/accountability on parts of HDFC ERGO.They gave you a policy worth Rs 20000 and it's OK to go years without any claim but as soon as you apply for one they shows all the tantrums and lame excuses to harrass costumer . It's not a question of 2-3 thousand ruppees . It's how you harrass the costumer. I am hoping the issue might get resolver, as i am eager to take this issue to any damn level including other consumer forums and legal action. it's high time these companies leave there pathetic and un asked for trouble to costumers. Aditya bansal ( [protected]@yahoo.com) [protected]