HDFC Bank Complaints & Reviews

Dear Sir, With reference to the above subject I was cheated by HDFC Life Representative, Pls find the below conversation... Dear Mr. Khan, We refer to your email dated July 06, 2014, pertaining to the policy mentioned above. We have done a detailed investigation of the facts presented by you and wish to share the following: We would like to inform you that the policy document provided to you contains a copy of all the documents signed by the policy holder giving us the consent to issue the policy. Policy related communications such as Premium Notice and Lapse Letter have been sent to you. The features of the policy are also explained in detail in the policy document. On conducting an internal assessment of your complaint, we have concluded that all the features and details of this plan were explained to you at the time of taking the policy. Given the above facts, this case cannot be treated as a missale. As we have not received your cancellation request within the 30 days free-look cancellation period, we wish to inform you that we are unable to process a refund of premium paid towards your policy. Further, please find the details regarding the free look provision mentioned under ‘Option to Return/withdraw’/’Cancellation in the Free Look Period’ section of your policy document. We confirm that as of today the policy is in ‘Lapsed’ status due to non-payment of renewal premium which was due on December 06, 2013. Hence, we request you to pay the amount as mentioned below: Details Amount (Rs.) Outstanding Premium 97003/- Service Tax/Education Cess 1503/- Revival Charge 281/- Interest Amount 7178/- TOTAL 105965/- This revival quote break up is valid for a period of 15 days from today’s date July 21, 2014. If you pay the outstanding premium online or opt for a Direct Debit mode for paying your future premiums then the revival charge of Rs. 281/- will be waived off. Please find the attached Direct Debit Mandate Form which you may submit along with your written revival request. Kindly visit our website www.hdfclife.com to know the process for online payment and our branch addresses across India. Further, please submit a Personal Statement of Health along with the above request. We assure you that the above resolution has been provided after due consideration of all facts and findings. Insurance being a long-term contract, it is advisable to continue the policy till the end of term to reap the full benefits of the plan. Assuring you the best of our services. Warm Regards, Rohit Kanojia Customer Service Officer In case you are not satisfied with the above decision you may contact Mr. Ravi K Chikkam within 8 weeks of receipt of the resolution communication at any of the below mentioned helpline. Failing which we will consider the complaint to be satisfactorily resolved. Write to Mr. Ravi K Chikkam at 11th Floor, Lodha Excellus, Apollo Mills Compound N M Joshi Marg, Mahalakshmi, Mumbai – 400011, Maharashtra Alternatively, e-mail us at [protected]@hdfclife.in addressing to Mr. Ravi K Chikkam [protected][protected][protected][protected][protected][protected][protected][pr...⇄ Regarding the below trail mail I could not get any kind of response from you. At the time of taking policy Company Representatives and officials came to me for many times, but after taken policy and having issue and problem either of the people is not responding. Is that I made mistake for believing the Private Organizations and HDFC Group and its Staff. Don't you give response and caring for the existing policy holders? I was cheat by your company representative because of his unethical practice and lack of your company mechanisms. Again and again I am requesting that your representative was taken signatures on empty form confirm that it was singly payment policy, I was not filled up the Application form and I have not get any confirmation or welcome call from the company regarding the confirmation of the policy details. Request you to go through the below trail mail and respond to my concerns. PALLERAHIM MUSTAFA KHAN [protected]

Sir, I have taken two equipment loans bearing Nos.3370175 and 17932623, the said loans are closed. But, they have not returned my original Invoice and not issued NOC till date. Since, the said NOC is urgently required by me, I have requested repeatedly, But, unfortunately Mr. Srinivas Bhaskar( Mobile No. [protected]) refused, without any valid reason. Hence, pray you to kindly look in to the matter and instruct HDFC Bank to issue NOC immediately.

A copy of loan statement for last nine instalments report generated in on line banking account is attached herewith for your immediate documentary evidence and request you to kindly do the needful.


Regards

TVS Prasad

HI
Sir/mam

with out my intimation my amount has taken from HDFC A/C OF ASD charges more than 3500rs

24/8/2014 393.26rs
20/8/2014 393.26rs
20/8/2014 393.26rs
16/8/2014 393.26rs
16/8/2014 386.11rs
16/8/2014 16.85rs
24/8/20104 16.85

pls credit my amount 3500rs
in
my HDFC A/C no:[protected]
my debit card no:[protected]
my emailadd : b.[protected]@gmail.com
pls do needful for me, i am from poor family, i need money...

Hi I am holding HDFC credit card. Now i want to close my card. when i called customer care they said that the form is available in HDFC site however i could not find such from there can you please help me in sending the form to my mail id rahulreddy.[protected]@gmail.com so that i can cancel my card Regards Rahul Reddy.

Hello, HDFC bank is charging me AUTO PAYMENT charges from last 1 year without my permission. I have not start auto repayment on my credit card and whenever I called their call centre, they giving me answer that they will callback in 24 hrs.But I did not have any single callback from them. I am not going to pay any AUTO PAYMENT charges to them. One of their customer care representative have also told me that these charges would be reversed but nothing was happened and my payment amount is increased by HDFC from Rs.900 to RS.3500.I have also all recordings of their representatives. So, do please needfull ASAP. Thanks, Sandesh Gavhane

My name is Abhinav Purwar and i have a personal loan with HDFC bank. I have paid 13 EMI and due to my financial difficulties i was not able to pay it from past 9-10 months . i have every intention of paying it but my situation is not i can pay it right now. and because of which my account has been transferred to the collection agency. Now the collection agent named Akshay and other recovery agents from hdfc bank started calling me i in formed him my situation but he kept forcing me some how i arranged some money Rs 1500 to pay him and told him that i will start paying it as soon as i can he again started call me for the same not ready to listen anything and forcing me to pay. i couldn't answer his few calls and he started calling my married sister and her family( which is a serious violation of RBI guidelines) i informed him not to contact my sister or her family as its a violation of the law. He agreed and said we will never contact you sister and her family ...after a month or two he again started calling my sister and his family member who has nothing to do with me and started harnessing them stating he don't know who we are and we will do this and that. i called him again today he started being disrespectful and when i told him that you have violated the law again he said do whatever you want to i will continue doing this and keep calling your sister and her family and everyone. He also stated that bank supports such illegal collection activities. He kept calling me repeatedly again and again and also my sister and brother-in-law and his family also called my cousin and informed him about my debt. I emailed banks loan support and i haven't got any response from them yet its been 3 months and they also threatened my sister and my brother-in-law that he will send police agianst me creating the panic her family.

Hi

I have an account in HDFC bank Saliyur Branch, It was Dormant account. Till July 2014 the account balance is 0, but suddenly They started make charges into my account continuously 4225 rupees for not maintaining minimum balance.

" Dear Customer, The balance in A/c No. XXXXXXXXXX4936 at GURGAON - MAIN BRANCH - SECTOR - 14 as of 23-AUG-14 is INR -3, 589.89 . You have received alert by subscribing for Banks InstaAlerts . To unsubscribe/ modify alerts login to Netbanking or visit nearest branch . Check A/c for current balance . Credits in A/c are subject to clearing . For any queries write-in to [protected]@hdfcbank.com Use the Locator feature on HDFC Bank MobileBanking App to find Credit and Debit card offers near you. Call Toll - Free[protected] to download the App. T&C apply. Please add [protected]@hdfcbank.net to your contact list to prevent future mails from going into Junk/Spam folder." [protected][protected]--- Hi All, HDFC Bank and its officials are cheating on to me and this would be proved by the evidences and circumstances which I would be sharing... I had a salaried account opened with HDFC on 2004 which lasted till 2009 when I resigned. After resignation, I requested the HDFC bank to cancel the 'Demat services' and gave them the written Application. I'm hoping that my Demat Service is also cancelled as promised by Bank officials.. I had the PF also tied to it, my ex-company - 'IBM' recommended to continue using this account till the time I get the amount reimbursed. I got the funds transferred to my account. I got it converted to the normal account but they rather created another account and mapped to it (this is again was never acceptable but as per BANK this was the only legal way).. I then asked the Bank to 'Close' this salaried account in 2010 thing that everything would get closed...They said that keeping it dormant would automatically cancel the Account. The HDFC bank played me like table-tennis and the time got elapsed after every quarter when I went to them..I was assured that I would not be charged anything... I have not used any of HDFC Banks online/offline over the counter service since 2010 and still bank made fake promises and my account is still active and see what they do to their accounts -- They Charge maintenance charges for the accounts which I had asked to get them cancelled...I always request them to cancel this account which they never do so and as the time progresses, they keep on adding the maintenance fee to the "Principal Amount"..I'm stuck...I want the HDFC bank to comeup with the solution and I should not be forced to pay the services which I never used.. HDFC Salaried Acc# [protected] Customer ID# 6318691 I know they are violating the basic 'Consumer-Rights' and perhaps following unethical 'Banking-Practice' which is more of bank friendly. Please suggest how to complaint to the RBI authorities or may be to Consumer-Forum.. Regards, Satyendra [protected]

Deasr sirs,

I was using my hdfc bank debit card no[protected] at

An axis bank atm [atm id cwac21104, dt 23-8-14, 15.17 hrs, and record no of withdrawal 7289

The machine flashed after swiping the card and performing necessary transactions 'collect your cash'', but then,

No cash came out.

Again, the machine flashed 'transaction declined', but the amount of rs 3000/ already

Got debited to my hdfc account.

On taking up with axis bank, they have advised me to take up with you.

You are requested to do the needful and regularise the amount debited to my account.

Regards,
V.Srinivasan
Hdfc bank cust id
3589960

Sir, I had taken a policy - UL Endowment Winner with HDFC life. The policy number was 12635839 which was started on 13th February 2009. I have paid premiums of 50, 000 / year for a three years but due to lack of funds I couldnt continue the payment. Just when I was planning to break the policy and withdraw the money I invested, Sachinkumar (Direct Sales Manager - TAD, HDFC Standard Life Insurance company ltd, M: [protected], E: [protected]@hdfclife.in) called me in January ending 2014 for a meeting to discuss about an alternate plan where I dont loose out on the cancellation amount and he can arrange for two installments to pay my last 50, 000 for this plan. He came along with Prashant Mundhe (Yet another Direct Sales Manager - TAD, HDFC Standard Life Insurance company ltd, M: [protected], E:[protected]@hdfclife.in )and convinced me saying that the funds accumulated in my existing policy could be transferred into a debt policy and I just need to pay 25000 in Feb and the next 25, 000 in Aug and I dont have to pay any further premium. All funds of the previous policy would be utilized in this new policy and I would get better returns on policy maturity. They created a new policy for me - HDFC Life Classicassure plus, policy no[protected] and provided me the receipt of INR 25, 000 which I had paid to them. They said that I would get a confirmation call but you can say that you have understood all terms and are ready to go for it. Since they are employees of HDFC Life (They also provided me their business cards) I assumed everything is good and I proceeded as they had told me to.A few months later when it was time for me to pay my supposedly last payment of Rs. 25000, I called up the call centre just for a verification about the same and was shocked to know that my old policy still continues as it is. The new policy started off at the initial 25, 000 which I had paid and is for a period of 10 years (Premium paying terms of 7 years). The last payment which I was about to make is for the second installment for year 2014 and this will continue for 7 years !! Thats not all. This policy is non-cancellable. It seems that there was a 14 days period after the policy is made where we can cancel. After that we have no other choice but to continue. I was unable to comprehend this. I tried calling Sachin but he was always not reachable by phone. I wrote a strong letter to customer service (Complaint No. [protected]) but they reverted to me saying they have done a thorough investigation and they dont find any issue and that they have my signatures at all places verifying that I know what the policy is about. I wrote back saying that they should stop the auto debit from my account for the next installment as I dont want this policy. There was no reply to that. It was good that I knew which account would be debited and I kept insufficient funds in that account. Day before yesterday I got a call from the bank saying that an ECS transfer request is going to be declined due to my insufficient fund and I was glad that the second payment didnt take place. Had it been any other honest company, they would have atleast stopped the ecs transfer thinking that the customer is not happy with the plan, lets stop the autodebit till the entire issue is solved. But thats not the case with HDFC Life.I want to cancel this new policy and I also need my 25, 000 back. This is fraudulent way of selling policies by giving false information and promises. By doing this, HDFC Life is spoiling its own image in the market.
A disappointed customer

I am getting a number of calls from them to get a credit Card. the heights is caller tells me to pay them 12000 rs to Stop calling me. Because they purchased data set and my numBer is There. All This after requesting not to call me. I Am frustrated.

HDFC BANK at Bangalore Richmond road does not have parking facility for customer nor its employee.
Customers suffer for parking place, most of the time from traffic police who takes away their bike. i dont know how RBI has given the permission to HDFC BANK.

Kindly some one solve this problem or cancel banking license for HDFC BANK at Bangalor, Richmond road, salco center building.


ADFC EMPLOYEE

Dear sir, i have a applied personal loan application many times in HDFC bank. Every time they rejected my loan application due to cibil score and bad credit history i all ready get new credit card and now my cibil credit score is also good but still they didnt giving me loan. and last 3 years continuously my salalry deposited in HDFC bank so why they didnt gave me loan?????? with regard [protected]@gmail.com [protected]

As a retired senior citizen I needed no insurance, but Sri Vikram Das of HDFC Bank, Lake Town branch, Kolkata, falsely canvassed about the sum assured and missold me their Pro-Growth II HDFC Life Insurance Policy No. 16993485 dt. 01.08.2014
He wrote down Rs. 5, 00, 000/- as sum assured in my presence but later fraudulently changed it to Rs.3, 50, 000/-
I received my policy on 05.08.14 and sent it back with P.S. Request Form 2 for cancellation.
I discovered that he had taken my wife Kakali Banerjee’s signatures on the margin of blank Form without allowing me to read it. Later he tampered the sum assured amount.
How can a Personal Manager dupe a client of the bank and harass him?
I had paid a premium of Rs.50, 000/- but after cancellation they deducted Rs.672/- for expenses.
I want HDFC Bank/HDFC Life to reimburse me this amount for this mischief and pay reasonable penalty for this fraud.
I would request you to penalize HDFC Life for harassment of a senior citizen.
Best regards,
Swapan.K.Bandyopadhyay
3B Northern Avenue,
Kolkata: 700037

Hi, This is Syed Jameel Pasha having salary account with Hdfc bank from past 2 Year 4 months. I have applied for a personal loan hear at Hdfc Paradise branch for 1.5 lakhs on July 2nd. The bank employee took all the related documents and also a rental agreement as I stay in a rent house. He informed that the verification team will come and verify the submitted documents. As said, an employer of Hdfc came to my home and office and verified my presence as everything I have submitted were perfect! I was given the reference number and also took the bank employee's number- [protected]. When I checked my status, it shows my Personal loan was rejected and also confirmed the same with bank employer. I remember saying my civil verification was not good or appropriate. Still I am not sure why my loan was rejected as I am perfectly eligible to get the loan. (I get 15, 000+ salary and working from 2.4 years in a company). Thank you! Syed Jameel Pasha [protected]

Hello Sir, I applied for a normal credit card service through hdfc bank website. Their representative called up and sent their collection agent to my residence. He collected all the documents copy including my Company ID, PAN Card, Salary slip etc. They promised me to deliver the credit card within 10 working days. Its been more than a month and no updated or card. The collection agent stopped picking up my call. I called HDFC customer care to give back my documents copy if they don't want to provide credit card. They are telling that the documents can' be given back, its bank policy etc. Anybody can misuse the documents, its a privacy issue. Please help me out. Application No:CC19398812/ Ref No:[protected]S2 Alvin George Bangalore-29

My card has been overdue for some time due to a sudden financial crisis I am going through. I am now nearing a phase in the next couple of weeks where I can start clearing the dues for the same. I had changed my address and mobile number recently, my new address and mobile number was duly conveyed to HDFC (However there was a slight delay in the same as we were busy settling down).

HDFC collection agents go constantly to my wife's office and harrass her telling her lies that I have sent them there and gave them the address to collect payments there. They create a scene threatening her to approach her HR Dept. I approached the Nodal Officer Maharashtra Mr. Pinto, and was referred to Head of debt dept in HDFC Ms. Deepti Parikh, who I gave a PTP and was assured that this will not happen again.

Due to certain circumstances I was able to only pay the bare minimum due. Currently I was in a training session when HDFC officials called me, I text-ed back stating that I will talk later. Later I come to know that the collection agents are back at my wife's office premises and creating a scene at the reception area. The agent also told my wife that I gave the address and asked them to go there to collect the payment (Thus creating a misunderstanding between us). When I spoke to the agent he was very rude and said so what, do what you can or want to I dont care. I called Ms. Parikh who said that an email was sent to the agency not to visit my wife's office why havent they done so. She requested for 10 mins to sought the same out.

I also checked my HDFC savings account, there have been multiple deductions of 270/- odd rupees from my account on multiple times by the Credit Card without my authorization and my credit statement does not reflect the same. I do not get any updates of payments on my mobile as well.

I do understand I am in the wrong in non payment of dues on time, I am prepared to clear whatsoever dues I have to towards HDFC as and as soon as possible, however that does not mean that the bank's collection agency is authorized to harass us in this manner. I will like to complain and request a solution to this mental trauma.
They are putting my wife through trauma. Talking rudely to her and openly lying to me that I have told them to collect the payment from her.

Please help


Please advise,

Regards,
Harsath Gha

On 12 august, 561.80 Rs. have been deducted from my savings account. I think its something related to DMAT account because transaction description says "DEPOSITORY CHARGES JUL[protected]". This is very wrong on their part. I didnt even apply for dmat account. Atleast they must intimate their customers before performing such irrelevant transactions. I request HDFC bank to refund my amount asap.

Dear Sir, I hold a Personal Loan bearing Account no "26504147". With EMI of Rs. 4785/-. Due to Illness & followed by Loss of job, I was not able to clear the EMI of the Month July 2014 & August 2014. I'm in touch with the Bank Officials on the customer care (I last spoke to Mr. Navneet at Customer care on Aug 20, 2014) and the Bank Branch. At the time of Loan application, i was told this includes, a Loan insurance, which will help me in case of any disability/loss of job/Death. As i do not have any document of the same, I was told to check with HDFC ERGO for the same. I used to receive call from collection agencies/Departments appointed by HDFC for Payment. I communicated them, that; I was unable to make the payment right now, because I do not have JOB in hand. I also communicated them, which I’m joining soon, and i’ll start clearing the EMI's as decided from September 2014. As i'm in the impression that this Loan is covered under the Insurance policy, I requested them to update the same in my loan account, and collect any EMI from the Insurance company for at least 3 EMI's Today I received a Call from Mr. Ajay Choudhary from[protected], Claiming that; he is a Senior Manager, Loan Department of HDFC. I communicated the same to him as well. Unfortunately, this gentleman, started abusing me, my family; as if like, i owe him personally. I communicated him that his words are not appropriate. But still continued to abuse me. when he said like "Come to ITO (Their Office) I’ll break your legs" and all. Then I request by brother-in-law to talk to him. He started abusing him as well. My brother-in-law communicated to Mr. Ajay choudary, that he will check with both HDFC Bank Loan Department and HDFC ERGO as well, and request Mr. Ajay Choudary to call back after 1 hour. At the mean while, I also received a call from Ms. Bupinder Kaur[protected] for the same, Again i communicated the same. She said that she discussed with Mr. Danesh Rawat, and let her check and get back to me by tomorrow. Again after 1 Hour, Mr. Ajay Coudary Called and Start Abusing. I communicated him, that I spoke to Ms. Bupinder Kaur, for the same, and she said, that she will update me on the same by tomorrow. After listen to this, Mr. Ajay coudary, said I'm going to her, you call in her Phone number. When i Call on Ms. Bupinder Kaur[protected] Number, it was not answered. After 5 complete rings, Mr. Rajindera Singh (Claimed as Team Leader), Picked up the phone. I narrated the whole story about Mr. Ajay Coundary, Mr. Bupinder Kar. He suggested me that he will get back to me by tomorrow. I do have the conversations recorded. I would request you to take strict actions against these people. In case if I repeatedly, getting calls like this, I left with no options other than approaching the concern authorities for help. Regards Jatin S Anand Mobile [protected]

HDFC securities recently opened my demat account and at the time of application they communicated that account opening charges will be INR 999 however after few day's i received message that INR 6294 deducted from my account against demat account opening charges . I complained HDFC customer care and they said your account open in different categories and it's one time non refundable fee so i asked what's different categories and they just keep repeating the same thing . It’s very disappointing that HDFC securities uses unethical business practices .