HDFC Bank Complaints & Reviews

Hi Sir, I have a salary account with HDFC Bank from May, 2012 and the account number is # [protected]. I have taken a 2 Wheeler Loan from HDFC of 73, 000 for 36 months tenure. The EMI is 2769 RS and deduction date is 5th of every month. I also have the CITI Bank personal loan of 1 Lakh for 36 months tenure. The EMI is 3516 RS and deduction date is 1st of every month. Unfortunately I have not maintained the balance for the month November, 2014 so I paid the HDFC EMI by cash on 28th November, 2014. ( Attached the payment slip). The bank has deducted several charges and the balance went to -1330.87. Following are the total deductions on my account: Balance moved to negative = 1330.87 ECS DR Return Charges ( 4/12/2014) = 137.61 ECS DR Return Charges ( 4/12/2014) = 393.26 3RD Party Cash TXN INC ST & EC ( 2/12/2014) = 94.91 EMI Return Charges (2/12/2014) = 200.00 ECS DR Return Charges ( 2/12/2014) = 705.71 [protected][protected][protected][protected] Total Deductions = 2861.74. In all the above deductions, I not even received any intimation via call/email/sms from the bank before deductions. I attached the screen shot of statement and the negative balance message which I received from the bank. Request you to consider my complaint and help me to get my money back and also to avoid further deductions in my account. Thank You. Prasad +91-[protected]

Hi, Someone tried to make fraud transaction through my credit card but he was unable to do that as he was unable to type OTP. Transaction details:- 1.S.P Jain Institute of Ma 2.XLRI PROSPECT COLLECTIONS I receive both the messages on my phone i.e [protected]. At the same I called the HDFC credit card department but they refused to help me even they were not interested to help me. They simply told me to block the card which I did. I requested the concern person to track as I got the message with my card number. Please do the needful and please take strict action against the HDFC credit card department. Thanks & Regards Sagar Rastogi [protected]

Dear sir An agent named Ashwani mehra has sold me 2polices of hdfc classic .He told me that there is an amount of 94000 benifit for your policy has come and to Claim that you have to give documents and two Cheques .Later I find that it was a cheat with me. so I request you that my policies to be cancelled and my amount to be Deposited in my account. MY polices details are as under ; Name .Seema Saini DOB.12/03/1977 policy No.17247182 & 17246564 and forms No.S[protected]& S[protected]. Hdfc classic assure plus. Cheques attached were-370336 &370337 of Rs.25000each from Axis bank. So plese Cancel the above policies and refund my amount.thanks. Seema saini [protected].

Trade accounts:2268774 and 210481. The service rendered by the company to email is ver bad. I get only auto replies which reads that response will be done within one business day. That is the end. Your personnel appear to cheat the company by not doing any work. A complaint regarding the non functioning of PDF download from History/Contract note/common contract note was made in the middle of Oct 2014. Till date the problem is not attended. At times some one telephone and inform that it is working, possibly the IT personnel concerned also cheats them by giving wrong information without doing anything. Do this company have any responsible sr. Management to be contacted like other company? Please let me know so that I can bring this to their notice. In the meanwhile I am searching for the same. Do anyone track auto replies received from their site?? In all an Irresponsible company for work cheats!!!

Dear Sir, I, introduce myself to you as Baidyanath Karmakar date of birth: 05/07/1958 residing at Gayenpara, Raydighi, 110 South 24 pgs, PIN: 743383 has been cheated by your much renowned insurance company very badly. I have lost all my savings and no wish to survive anymore as I am broken down morally and been cheated so badly by your company. I have been cheated by your company with an amount in total Rs. 6, 00, 000/- in the name of Life Insurance in my name and in my wife's name, Mrs. Pranati Karmakar. The details of the amount I have cheatedly invested with you and policy number detail is given below: Name Invested Amount Policy Number 1)Baidyanath Karmakar 3, 00, 000/- Policy no:[protected] Client id:[protected] 2)Pranati Karmakar 3, 00, 000/- Policy no:[protected] Client id:[protected] I paid this money as I was told by your executive that HDFC has come up with Fixed Deposit Plans where I will pay and I will receive a bond paper and after 7 years I will get approximately double the amount I am keeping as fixed deposit.hence, I invested one by one, my entire savings i did in my whole lifetime with the hope that I will get a lumsome amount after 10years. I was not provided with the policy bonds in time and when I received the policy bonds, I was totally looted by your company as I found them to be regular policied where I do have to pay premiums every year to rertain the same and failing which will lapse my policicies. Not only that I was also promised that I can get a 10 times loan i, e (10*premium) anytime after i get my fixed deposit bonds.But all these commitmnents were fake as I enquired that there is no loan options in these policies and they are not at all fixed deposit bonds, they are simply regular policy bonds. HDFC my sigtnature is forged in the benefit illustration of the bond papers. I have not signed them and my signature has been forged completely.Again I have not performed or undergone any medical test where I found that my medical test has alreay been performed by some other anonymous person. Hence, the medical examination done from your company's end was also forged totally. According to IRDA's grievance Redressal policy I can apply for cancellation until my request is addressed. In the IRDA's grievance redressal guidelines, there was clearly mentioned " a complaint shall be considered as disposed of and closed when :- (a) The company has acceded to the request of the complaint fully. (b) where the complaint has indicated in wriying, acceptanceof the response of the insurers. (c) Where the grievance redressal officer has certified the company has discharged its contractual, statutary and regulatory obligations and closes the complaint. Hence, I request you to look into the matter and investigate the matter as soon as possible as I have already lost my entire savings and hopes of my life. I have to kill myself along with my entire family if I do not get my money refunded. I pledge and beg to help me and please do the needful and take necessary steps to cancel the policies and refund me the money back. Looking forward to your kind help and eventually If my appeal of cancellation and pledge to get my money back gets rejected I will be compelled to take legal actions and also will ask for help from media to stop this fraud racket run by Hdfc Standard Life Insurance company………. Thanks Baiyanath karmakar M-[protected] //[protected]

Deepak Kumar Mo-[protected] [protected]@gmail.com I got a duplicate not of 1000 while Withdrawal of 75000 through cheque from HDFC sector-63 Noida.Manager is not ready to accept .She told that we have handover the all not after checking in machine. My point is if you have checked all note then there must be recorded video .If you are right then its a loss for me but it my right as a customer to verify it . Manager was very rude like there us no one to hear a customer.Its a black money and got it from reputed bank .Please take a appropriate action for it.

My name is gopeshwar and I would like to complain against agent who called for payment, He used inappropriate language and was rude while speaking as she said "hdfc bank tere baap kaa hai kya" and " hum tujhe utha lange jaha par tu hoga " " 100000 niklwa lenge " which is really not appreciate as I am using HDFC credit card last 2 years and I have Only missed 1 payment not more than that.His name was Rahul and calling number is[protected] and [protected] and they are saying he is calling from Rajouri garden HDFC ban branch .Please take strict actions for calling and harassing people for payment. HOW CAN ANY ONE FROM BANK WILL TALK TO HIS CUSTOMER & WRONGLY THREATEN!! I NEED A ANSWER!! I

Hi This is Arvind Solanki faced a serious problem with HDFC credit card. I have good relationship with HDFC bank since last 3.8+ years regarding my personal account and credit card. I started using hdfc credit card in 2011 (card#[protected]). I got this card when I was in Bhubaneswar Orrisa. Due to my job requirement i have moved to delhi 3 years back. after some time i called to customer care regarding my credit card closure as limit was not good and they denied. I thought that i should close this card and get a fresh one with increased limit (This was the suggestion from one of their customer care executive on call). when i called customer care again to close this card they said there is no procedure to close your card on phone and asked me to send some form to close/address update/ mob update whatever i wanted to do. Then i thought lets continue with this card so lets update my new address/Mobile number (as both are changed after moving to delhi). I filled the form and dropped into a dropbox at hdfc bank's sector-56 branch but my address and mobile number never get updated on my CC statements. I still thought that there might be some failure in delivery and continued with the card till the expiration of the card. This card was about to expire in oct-2014, i visited hdfc bank branch in Gurgaon regarding the proper closure of this card as there is no credit card department in gurgaon as per bank manager. Card got expired and new card has been issued on my name without asking whether i need or not, they did not even asked me that where do we have to deliver this card, not even a single email notification, nothing at all and i dont know where that card is??? I called customer care regarding the closure and they said, i have to fill up a form that is available on their site for closure and believe me guys there is no form for closure is available on HDFC site... I called again they said ok no form available then write an application and send us through HDFC bank. I have written an application dropped in HDFC dropbox in gurgaon branch and my card is never get closed. I called customer care regarding the my application is not taken in consideration for closure and they said, I can close my card only if i have my mobile number ON which i have given in credit card 3 years back in Bhubaneswar. can you imagine that. After a long discussion he said that please clear your all dues and we will close your card permanently(i felt good after listening something positive) i did payment of my outstanding amount(1103.59 INR) and called again, customer care executive said that we did not received you payment till now so we cant close your card and asked to wait till the payment received. called next day and they said yes your payment is received but we can not cancel your card on phone. I have given every verification about me then why do you need that mobile number only... I said if you want to send some verification code or something please use my email which i have given in credit card. After a long discussion executive put me on hold and said that please talk to my boss/senior... A lady came on the phone with and she was talking very rudely. She said if i want to close my card i have to get my old number activated that i was using in Bhubaneswar and there is no other way. Your card will not be close for all your life time. i have called customer care almost 10 times wasted lot of time. Now My question to HDFC are: 1. Is this the right way to deal with customers. 2. If i don't have my old mobile number then my email will not considered why? 3. Do you think that harassing your one customer can give you more profit or making them happy can be more profitable. 4. Do you think that after all this i ever use HDFC credit card again. 5. Do you think i would suggest HDFC to anyone anymore. I will wait for your answers. See i am technical guy and keep my words : - "This Will be a game of Loss" Thank you Arvind

Hi, This is in reference to my Trading Account Number-1572259 of HDFC Securities Limited. The SBI Ex-Split took place on 20th November, 2014 and I originally had 2 shares of SBI in my account. After the Ex-Split as per the terma and conditions I should have 20 shares of SBI in my account but the same has not been credited in my Portfolio as of now. Please advise in this regard as to by when this requisite amount of 20 shares will be credited in am Trading Account. Would greatly appreciate your assistance in this regard. Thanks and Regards Pratik

Dear HDFC Team, I would like to inform you that your bank's branch is in N A C Manimajra Chandigarh. I opened an account under Prime Minister Jan Dhan scheme, And just two months are going to be, but neither do I have a message to open the account or any bank kit I have received by post. Whenever I've been talking to your bank officials, they do not give any satisfactory answer. Kindly help me, because when I talk to bank officer so they say, they keep sending documents that we will soon open an account. Now you tell me what your customer's bank account in 3-4 months is open. I know that if my account is not being under the scheme of PMJDY so far, my account had been opened long ago.. I hope you can understand my problems and suitable action. Answer me soon. Thanks & Regards Anuj Kumar Singh Chandigarh

To, Human Resource Dept. HDFC Bank. Mumbai. Dear Sir, SUB:Complaint against branch manager, HDFC Bank AGASHI branch Virar(w). We bring to your notice that we are in construction business from last 25 years in this vicinity and we are one of the reputed builder. In the matter of housing loan of our customer MR. Rodney Periera . who has applied for housing loan at AGASHI branch . After having completed all the formalities and paper work, the disbursement was delayed by weeks.So, naturally as a builder, we had approached the manager and made inquires about the status of the loan application.But to our surprise, the manager replied very rudely and even told us that you can apply to any other housing loan institution. We are very sorry to state that for a reputed bank like you, we aspect customer friendly service.We hearby request you to make inquiry in the matter and take take necessary steps, so that in future such incidents are not repeated.We are having many saving and current accounts with your bank for last so many years.In case, we do not get any satisfactory reply, we will be forced to snap all relation with your bank. Awaiting your early reply. Thanking you, Yours faithfully. Paresh BARIA

I have been told by HDFC customer care that i can convert my transaction into EMI. now after making transaction they are saying that you are not eligible for this offer.However still i am getting five emails per that i can convert my transaction into EMI. I have an account & credit card with HDFC Bank & now i am planning to cancel them. Regards, (Mohammad Kashif) Mob:[protected]

Hello, I enrolled for Smart Pay, so that my Internet bill and mobile bills are automatically paid. Even after enrolling for smart pay my Internet bills was not paid for 2 months (1411 *2 = 2822 plus 100 late fine) and because of that I had to pay fine to my Internet Service Provider. I accordingly called the Customer centre Team on 29th of Oct and asked them to cancel the smart pay as I didn’t want to go through any further complication. I paid my bills on my own on the same day for Rs-2922. After 2 days my card was again charged for 2922 amount. I called the Customer Service again and informed about the same. The representative assured me that there is no such charge. I just checked my Statement and figured out that I have been charged twice for 2922. I would like to inform that your Customer service is pathetic and agents are amateur without any product knowledge. There are number of instances wherein I was provided wrong information. The Supervisor to whom I spoke with Manju Singh on 29th of Nov was behaving as if she is doing a favour by talking to me and is good for nothing and she doesn’t deserve to be there at first place. I am frustrated to the level that I can no longer tolerate this Credit Card and your Customer Service. Regards, Saurabh Sinha

Hello Sir, I am a Tata Consultancy Services Employee holding my salary account in HDFC bank. On 18th Nov, I applied for personal loan amounting 2.5lakhs for my marriage purpose. Till now HDFC is dragging my case by the verification department. Sorry to say but I am totally frustrated and irritated by the way this verification team is handling. I provided all the relevant documents that needed for a personal loan. the verification team came to verify to my house in the weekend without informing me and they asked some wrong person without asking my house owner and reported that owner did not indentify him. Atleast they should have informed me. I was not there as I went to market and some guy called me and he asked all the details. I answered and assumed that verification was done as I was not aware of the verification proceedure. After 3 days on asking the status I came to know that loan was rejected due to negative verification. On calling the same number just to ask how he can give negative as he himself went to wrong place I got the answer like "Kya Police Chor Ko Pakadne Jata He toh Kya Bolke Jata he" ... "Jo Mila Wohi Likha"..."Asey Hi Verification Hota he". So sir is this true that HDFC bank treat their customer as "CHOR/Thief". I belong to a reputed IT company and your bank is treating me in this manner. Again on request to Sales department yesterday reverification was done and verification was positive. I was there in my home as I was on sick leave. Today on enquiry I came to know that due to lack of office verification loan again got rejected. I don't know how they verified at office while I was on sick leave. And also no call came from their end. I don't know what's going on. Specially in Kolkata verification team thinks that they are some kind of CBI personnel dealing with fugitive/thief. I was having that trust factor on HDFC bank but now I have decided that this will be my 1st and last time I will never ever approach your bank for any thing as the result will be waste of my precious time that cannot be imagined and the tension I am carying in my head. Now I think that I should have approached some other bank for this. This is simply harassing your customer. Also I am having my HDFC bank salary account. What else these people expect from us. Who is going to repay my lost time. Your site says that withing 48hours preapproved personal loan. But I show the reality.People apply for personal loan because it's a speedy and faster way to get money and they must be having some problem thats why they are asking for loan. But here in my case verification team is playing. Writing all the crap in their report without even doing their job properly. It's quite a common sense that if I am not informed or called how can I provide my office verification. And they even don't try further once done means done. Let customer suffer. Requesting you to look into this matter and if possible take some action against this verification team. All my time got wasted and I dont know what to do next.This has been the real test of my patience. Thanks & Regards, Naba Pattanayak [protected]

I am using HDFC account since last 6-7 years and i was enjopying their services. Recentlty one of their representative "Mrs. JALPA UPADHYAY" from VATVA BRANCH branch did contact me and told me to convert my account to Classic later she continuously calling me to open a new account for my wife under classic account with Zero balance option. So one day i opened an account which she told me as classic account and it will take 1 month to convert to classic. Now it has been 2 months though it is not under classic so i called customer care they told me that my wife's account it not under classic and she opened as normal saving account with limit 25K which is ridiculous. At the time of opening account she told me that if i give 25K cheque then it will help her to earn some credit from the HDFC bank which is totally false. Now when i am trying to call her she is not receiving my call even not responding me. I would like to take good action against her. According to back rule she is my account CRM so if she is my account's CRN then i would like to close my all accounts from HDFC Bank. I hope to get response from hdfc bank soon. It is a case of cheating.

Hello, This is Ramesh, I have applied for personal loan[protected] on 12th november 2014 and it got approved on 15th nov 2014.On 17th nov 2014 i have submitted 8-signed cheque's to your executive Mr.babu ([protected]) and he told me that amount will be credited to your account in within 48 hours.Today 29th november 2014 still my personal loan not disbursed. I have called so many times to my personal loan manager Mrs.Jyothi Alla([protected]) but she is not responding properly and one of your telicaller Anusha([protected]) called me and asked to provide previous company relieving letter, payslips and 10th class marks memo. Every thing i provided with patents but still the game is continue... please end this game i have no more energy ... If i am not eligible to get the personal plz reject but don't play games... RAMESH [protected]

i have done the your hdfc life classic assure plus policy on dt 7/11/14 policy no[protected] client id 71819418 amt 30000/- by check icici jaipur branch no. 971674 name of policy holder---pramod kushwaha date of birth 01/01/1973 contact no [protected] kindly send the policy bond as earlist and look into the matter why it is delaying if not kindly cancel the proposal policy and deposit my amt. rs 30000 in my account.

I have applied for HDFC Life policy17139698 online, submitted all the documents and done the payment on 9th October'14. On 30 October 2014 I had my medical check up done, now its been like a month and I haven't heard anything from HDFC Life about my insurance. I called up many times at the customer service, however every time I get a new date and assurance from your team that I will be receiving a call back in 2 days about my insurance. Not sure how long is this 2 days. Till date there is no communication from your end. I wrote emails as well but they don't even bother to respond back. I called up today again, heard hell lot of excuses and they again asked me to wait until Tuesday as by then I will get a call for sure but I am quite confident that nothing is going to happen. Its almost 2 months I have done the payment for my insurance. If by Tuesday I don't hear anything from you people then I will go for cancellation and I am NOT going to pay for any cancellation charges or medical or anything. I am making it a point from now itself and if required I am going to escalate to the higher level as well.. This is disgusting and awful way to treat your customers. Your services are pathetic. LEARN SOME PROFESSIONALISM!

My self sarnavaz pathan and i am having hdfc bank credit card no [protected]. I am using card from more than 3years and payin on time. But from last few months m having financial problems so i am not able to pay my bill thats why i am paying minimum due. But currently i am not able to pay due and i need some time, i want to pay the bill but excutive Amit raval are not listening any thing and makin so much pressure, he is calling every 1 hour nd asking for payment. Even they r continuesly calling on my office also, sir if my company will take any action to me then how will i pay without job? Nd he is giving warning i[censored] not give the due i will send some unproffesional person to ur home and they will treat u very badly. How this? How a bank will send unproffesional person? And i told them to convert my entire amount in emi so they r not ready for that and forcing me fo settelment. How they are not understanding, i was having a loan also on that card, i cleared that loan also within 2 year. If i want to fraud so why i clear this all? And in hdfc bank i am having one more personal loan also, i am paying from last 27 month. Sir i am so frusted nd in very deep frustration plase stop harresment, i am havin high blood pressure, if any thing happen to me who will pay u and who will take care of my family? And finaly here by i am declaring that anything happen to my life so hdfc bank and Amit raval r responsible for that. Sir please stop harresment, i want to pay and i will pay suerly.

Subject:HDFC Lucknow Gomtinagar Branch harassment for Top up on loan a/c[protected] My chase started from July’14 when I asked for atop up loan for registry of my flat. I had to literally chase EVERYONE from Executive till the HDFC ltd asking the status till now. When I was literally feeling cheated and frustrated, I filed a phone complain ( # 3568787) via HDFC Ltd in Hazratganj Lko branch on 25th Nov’14. It’s a clear harassment case by HDFC where the Lucknow Gomtinagar branch is not only harassing me mentally but also responsible for interest/penalty payment that I have to make due to unavailability of funds. Lucknow, Gomtinagar branch of your bank has been delaying my TOP up loan forever. The loan application was started sometime in July’14 and so far, nothing has been done as it is still UNDER PROCESS. File #[protected] The file was generated in Aug'14 and the lady, Poonam Tiwari- [protected], called me in Oct'14 ( when I personally chased her regarding the progress), saying she needs fresh documents as she needs to reevaluate. As per her, my physical verification was rejected but she didn't bother to inform me. Also, she never pushed the file forward. Still it has been the same way. I have provided all the relevant docs again and still there is no progress. I am really fed up of this branch and their performance. It is clearly visible that they do not want to work. To add further, they came up with a new excuse ( Learnt this from the executive Vinay Yadav dealing my loan app), where PoonamTiwari says that the top up is unable to happen because no one in MetLife GOSC (has a loan).What a LIAR! Hope the bank will look into it deeply. Even the branch mgr. is not seeing it? I wonder if he ever attends to escalations. On the other side, my other home loan file no[protected] from Delhi HDFC has even sanctioned the loan in just 10 days and ready to disburse. I really feel cheated to have a corporate account with your bank as the services offered vary as per regions, which should not be the case. Also, I would be claiming the interest / late fees that I have to pay to LDA and I would definitely want to penalize you for not only late fees but also mentally harassing me without my fault and intentionally not processing my file. Note – You can pull up all my details just by entering my cell #. Disgruntled, Sandeep Mahay #[protected]