HDFC Bank Complaints & Reviews

I hold a HDFC Bank credit card. As of 4th Jun14 my total outstanding on HDFC bank credit card is approx 41k. Of which 15K is amount charged due on account of various fees and charges.
The Bank has blocked my HDFC bank savings account for amount of 40k without any intimation.
The last minimum payment due was made on 26th Mar14 post which due to Bank not providing details on account settlement I did not make any payment against my credit card.

When I inquired at the Credit card department about the delinquency status, they said that if the customer is within 3-4 delinquency bucket they can block the collateral securities or any of its form in case of non payment.

ISSUE1- WHAT IS THE EXACT DELINQUENCY BUCKET TO SUSPEND A CREDIT CARD OR BLOCK SAVINGS ACCOUNT in case of non payment?

THE CREDIT CARD DEPARTMENT IS NOT EVEN ALLOWING THE CUSTOMER TO GO CURRENT OR ACTIVE POST BLOCKING AND DEBITING THE OVERALL OUTSTANDING AMOUNT.

I am still in 2nd delinquency bucket as the due date is 9th of every month.
I am ready to make a settlement by making equal installments for the outstanding amount and hereby ask the bank to release the block order on my savings account.

I need clear guidelines from the BANKING AUTHORITY regarding the dates from which they get the authority to cease customer savings account without any intimation.

The staff at HDFC Bank Collection department and customer care units are extremely inefficient and non responsive.

Thanks
ANKIT GOENKA
[protected]/ [protected]
BANGALORE, INDIA

Dear sir, kindly send a detailed statement of A/C of my policy no[protected]Muzaffarpur-orient club, Please also note that inspite of several reminder on personal basis and telephonic interaction with your representative I have not yet in receipt of the Policy document for the above mentioned policy. Hope that you consider this matter with priority as I have deposited the requisite cash and documents for the issue of duplicate policy document Thanking you POONAM JHA C/O DR ASHOK KUMAR JHA, MODU-LAB near Kaliasthan, Begusarai-851101

Having received promotional emails from HDFC bank I emailed the bank asking why I am being sent promotional emails. I received a reply saying 'By default all customers are subscribed to promotional emails' I asked the bank to show me where on their website or any where in their terms and conditions or in any paper that I have signed does it say that by default all customers are subscribed to promotional emails? The bank has given me all sorts of replies asking for phone numbers, last four digits of credit/debit card, etc but has not answered the question. I have been escalated to two higher departments. I have continued asking the same question where does it say 'by default all customers are subscribed to promotional emails' but there has been no direct reply to this question but misleading answers to questions I have not asked. Finally I have been referred to the banking ombudsman. I just want the bank to show me where does it say 'By default all customers are subscribed to promotional emails' because if there is no such thing then HDFC bank can be said to be spamming their customers.

Hi, I am Sandeep Mittal, currently residing in Kolkata. I have a Salary a/c with HDFC Bank. This complaint is regarding a fraud transaction of Rs.10, 000 made in ATM and an already logged complaint in HDFC bank for which I am not getting any proper response. Date: 10-May-2014 I have visited ICICI ATM near Ultadanga station to withdraw some amount using my HDFC debit card. There were two ATM machine and no security guard was present at that time. I have inserted my card in one of the machine and after entering the PIN the ATM was hanged and was not working. I have pressed ‘Cancel’ button around 4-5 times and made the transaction from another machine of Rs. 2, 000. There was no one present in that counter while I was making the withdrawal. Date: 13-May-2014 When I was checking the statement in net banking, there was a debit transaction showing of Rs.10, 000 on 10th May just after 1-2 min I had made the transaction of Rs.2, 000. Immediately I had registered a complaint calling[protected]. They have provided me a complaint number and ask me to wait for 7 working days to get the amount credited to my a/c. Today is 04-Jun-2014 In the period of last 22 days, I have called HDFC customer care many times to get the update on my complaint, but all the time they are just saying the current status is ‘In process’ and I will get a call from the HDFC complaint team for the update, they are also not providing me the contact details of my home branch, they are rather interested in selling their additional services like: Loan, RD, Bill payment registration etc.. Above is the situation till now, and below is my complaint: > Why it is taking so longer when it has to be resolved in 7 working days. > Till now I have not received any update from HDFC BANK, not a single call. > HDFC customer care associates are more interested in giving you their additional services (as I detailed above) rather than looking at your grievances. They should know why you have called them and what they are providing. > I am in Kolkata, but my HDFC home branch in Chennai, and I cannot visit any near branch for this complaint, they are also not providing me the contact of my home branch. This is really becoming a frustration for me. I really don’t know how to handle. Please help me to get my money back, or let me know any process that can help me to get this sorted out. Name: Sandeep Mittal A/c No.: *********2562 Branch: R.K.SALAI, CHENNAI, IFSC Code: HDFC0001097 My current address : Khestopur, Kolkata, 700102 Complaint No: MUMC[protected] and 763898

i am holding master world credit card of hdfc bank, today 4th june 2014 at 4.21 pm i received a call from phone no [protected] of HDFC bank. The representative is telling me i have pay fees this card as i know that this is no charges for it as i am holding it from last 6 years. he is telling that Rs.6100/- has been block for accidental insurance of 15, 00, 000 . as i have not opted for this kind of service, there charges should be debited for accident card. he is asking whether i have received card or not, i have mentioned that i do not require any service. The representative is putting pressure me to take this service. Last time also one person call from this no and want to give some card forcfully. I has been observed that i all the get lot of mis information from [protected] of HDFC bank . I is the request to bank tell them not to call in my mobile no for giving wrong information . If the your cell is incapable to take necessary action, i will go to concerned authority and camplain about it.

AMB Charges Debited by HDFC Bank I was having a salary account with HDFC Bank it is a zero balance account. for long time I have not used my account for salary or any other transaction's. Since it is zero balance I kept the account like that and of course maintained balance about 8ooo + But when i check my account now, My account balance is showing "zero" and all the balance has been debited by bank with comment "AMB CESS HRG INCL ST & CESS" multiple times without any prior intimation or alert. I have never been communicated via Email or SMS for any such charges they introduced. If they can send promotional emails and SMS to their customers then why can't they send an alert about a new charges they impose; so that customer can maintain the balance before it goes below the required amount. Kindly process the refund for both these debit transactions otherwise I have to CLOSE my account with HDFC Bank forever. |

I am writing this article to bring to your notice the unfair auction of the gold jewellery pledged by me. We had taken a gold loan for Rs 996500 (G.L. Index No.- 565601, Loan A/c No.- [protected]R10001) on 26/4/12 through HDFC Maidagin road Branch, Varanasi. we had been paying interest in between and we had also reduced the loan principal amount to Rs 796500 by paying Rs 200000 as margin money upfront on 30/7/13 and paid advance...

I had had no credit card from hdfc bank with the below details. But it is still reflecting in cibil cir. I have raised a dispute and have not heard from them yet.

Cibil cir date:[protected] time:22:14:23 cn:711, 424, 025

Account details datesmembername hdfc bank date opened/disbursed[protected]account number[protected] date closed -account type credit card date of last payment -ownership individual date reported and certified[protected]account statuscredit limit - rate of interest -high credit 385 repayment tenure -current balance 0 emi amount -cash limit - payment frequency -amount overdue - actual payment amount -collateral statusvalue of collateral - suit filed / wilful default -type of collateral - written-off status -written-off amount (Total) -written-off amount (Principal) -settlement amount -

I had a fraud transaction of 3000 in my account in oct2013 and then the amount (3k)was credited back in my account in feb 2014(after much follow up).But HDFC again allowed some third party to access my account and do debit of 3k. Now i have filed a complain DELC[protected] some 20 days back for which the customer care has no final status. When i contacted on mail..i got this reply: Dear Mr. Kumar, Thank you for writing to us. This is with reference to your e-mail dated May 20, 2014 regarding transaction details. We have checked and confirmed that the purchase transaction of Rs. 3000 was debited from your account on October 15, 2013. Since the amount was not claimed by the acquiring bank/merchant, the amount was credited to your account on February 04, 2014. However, the acquiring bank/Merchant has claimed the transaction amount and the same is again debited from your account on May 07, 2014. For any clarifications, we would request you to get in touch with the merchant. Warm Regards, Amit S Gaikwad Customer Service Officer Customer Team HDFC Bank Ltd. They want me to follow up the merchant (that i dont even know) to get my money back. Guys my suggestion beware of HDFC..they have lot many third party transaction and its all on your risk.They will ask you to follow the merchant or third party if there is any mallacious transaction. Believe me or not i am a customer of hdfc for 7 years and this is the reply and support i have got. Thanks HDFC

respested sir, im j.p, nikkitha d/o mr.m.jayaperumal.i have availed car loan from hdfc for buying maruti 800.im working as a government college assistant professor y ery of my friends said its very harsh and hard with HDFC they may trouble you though you pay your emi regularly they say something but in that situation sales rep of maruti advised us to take loan from hdfc so we accepted and taken loan from HDFCfor 45 months i started payin from 5/12/2010 rs.4815.00 emi everymonth till this month im paying all the EMI very regularly. total instalment is 48 months my.customer no is 17786671 given by HDFC my loan acc is with thirumangalam state bank which is in madurai dt. .and the acc no is [protected] SBI i have another two months more to complete 45 months of loan emi s and at this situation a call has come from local madurai branch HDFC saying that i have missed to pay three instalments .i got shocked hearing that and requested HDFC people the statement of instalments /EMI that i paid sofar, but they refused to give the statement that i paid as emi sofar. so i went to my loan acc bank(SBI) and got print entry in my pass book in that it was very clear that i have paid all the EMI within the time that is on 5th of every month. with this evidence my parents apporched the bank in person the branch manager mr.arun kumar.they again verified in their records and said we will have one emi pending. there started a problem that is in the month of june 2011 on 3rd i paid the emi of 4815 in sbi branch theni palanichettypatti . but the hdfc bank didnt taken the emi amount so we called and asked what can be done they said they will discuss and let us know in few minutes and bank people called us again and said they will send a bank person from bank to our house at thirumangalam to him we can give the cash so we belived that and a hdfc bank person has come to our house and said he is from hdfc showed his id card so we paid the one month EMI amount of Rs.4815..00 after that asusual we are paying our regular payment in sbi bank . and few months back around five to six month back we got call from hdfc saying that we have not still paid one month emi again there started a head ache and (today also we gota call) they say that we will have to pay one month EMI and interest to that till today and the amout they spend for local phone call to us we got vexed and asked them the state ment about what we paid sofar, again they refused to give and i explained to them that we already paid that emi through the person you sent . but they asked us to show the receipt but that fellow didnt give any bill for that, since we belived the phone call from HDFC we trusted the person arrived to our residence we paid the money this happened during 2011 but all on a sudden at the end of 2013 only hdfc says that, that amount is still in pending.im in a well dignified position of gazetted rank so i dont need to lie for one month emi .and if you people observe my bank statement it says that im paying all my emi s very regularly in time all the month.really it gives mentol agony and stress to me when still hdfc people wants my money extra then they coated in agreement .if that missed amount has not reached them what were they doin all these months? and years? kindly let me know the solution to solve the problem to have peaceful loan settlement. sinscerely yours j.p.nikkitha

14th May-2014 made the transaction from HDFC to beneficiary account (account holder of the SBM bank), amount is not received in beneficiary account. through call register the complain in HDFC but no use. even i had inquired in the SBM bank also, they said, we have not received the amount really i don't know what to do on this?

HDFC credit cards the worst bank ever to transact.. I made a request for a change of phone number followed their [process went to the bank and submitted relevant documents and its been 20 days no response. And today when i called the customer care the Illiterate department of HDFC.. and bigger than that their supervisor Kavita Kuamr.. who talks like she is the owner of HDFC.. no basic mannerism tells me I cant help you..Dont ever take tehir credit card their customer service is the worst of all

HDFC Bank - REGARDING PROVIDENT FUND


User DILEEP REDDY KOTA
Date:[protected]

My Provident Fund
Hon'ble Team Members!!!

I was working with HDFC BANK LTD as a am, My Employee code was D4027 I have resigned from the job on[protected] but till today (completion of 5 months) I have not received the cheque of my provident fund, which deducted of every month with my salary. and even they did not provide me PF number.

I've submitted my whole documentation which is need for disburse the amount of pf in your head office, but till today (after comletion of 5 months) I have not got it.

Kindly confirm the status of my PF other wise I'll go to the court for case of the company or I'll send the notice to you.

Do it as soon as possible and needful

Thanks & Regards

DILEEP REDDY KOTA (D4027)

With great regret I am lodging a complaint regarding non receipt of hard copy of my credit card bill, from past couple of months. Its been a struggle with the HDFC Customer Care service who are failing to help me get my credit card bill for my personal records.

My credit card number :[protected].
With utmost faith that this grievance will be taken on a serious note and pressuming that my bills will be handed over at my doorstep as it used to, well on time before the last date of payment.

For further concern You may connect with me on: [protected]

Thanks and Best regards
VIGNESH SHANKAR

Respected Sir/ MadamMy three railway reservation was cancelled, which i have booked through IRCTC website but i haven't received refund amount to not my account, IRCTC says they have refunded to/via hdfcvbvpg. Is it mean that HDFC bank first receives amount and then forwards to the bankers(State Bank of India/Canara Bank) from whom the amount was remitted ? Please help as I have not received refund till now.

Here is the refund Details of cancelled ticket--

(1)Pnr Number: [protected] Transaction ID: [protected] Train No: 12322Refund DetailsCancelled Date: 22-FEB-2014 Refund Amount: Rs 390.0 Refund Status: RefundedReceipt Number:[protected] Refund Date: 27-FEB-2014AcronymsApproved: Approved for Refund Refunded: Refunded in AccountSent for Refund: Refund Instructions given to Bank

(2)Ticket HistoryPnr Number: [protected] Transaction ID: [protected] Train No: 12505Refund DetailsCancelled Date: 04-MAY-2014 Refund Amount: Rs 365.0 Refund Status: RefundedReceipt Number:[protected] Refund Date: 11-MAY-2014AcronymsApproved: Approved for Refund Refunded: Refunded in AccountSent for Refund: Refund Instructions given to Bank

(3)Ticket HistoryPnr Number: [protected] Transaction ID: [protected] Train No: 12424Refund DetailsCancelled Date: 10-MAY-2014 Refund Amount: Rs 1755.0 Refund Status: RefundedReceipt Number:[protected] Refund Date: 16-MAY-2014AcronymsApproved: Approved for Refund Refunded: Refunded in AccountSent for Refund: Refund Instructions given to Bank

Hi, I have a credit card account with HDFC Bank. Around 1 and half month back, when I tried to redeem points, the option said - 1 point=0.7rs. Nothing else. I redeemed it. Then it said, you can use it only in hdfcbanksuperia.com. This site doesnt work. I called up customer care. This person wasted 1 hour of my time and doesnt have answer at all. From then, I have contacted their grievance cell, and surprisingly, they are unaware of how this voucher works at all. Unacceptable. One gentleman from the bank called me. He is clueless of how this voucher can be used. He asked me to send all the screenshots. I took the pain of navigating through their redemption website, taking screenshots and then it ihas been and half months time of to and fro mail. Every time, they say, we will get back in 7 working days and give me same answer that my points have been given back. I know that the points have been given back. My question is HOW DOES THIS VOUCHER WORK? On top of this, I did another redemption. It went through and I get message after weeks time, that it is cancelled because of insufficient points. After few days, on 3 different days, I see different points accrued in my account. Inconvenience to me and a faulty BANKING application. I have given all the screenshot and proof of this and I know for sure after waiting for so long, HDFC executives do not know some of the aspects of their banking system. Surprisingly no one. I am fighting to get clarity and want HDFC to correct their website and give enough information so that other customers do not face this problem. Raised complaint in Banking bankingombudsman. I tried Pehredaar channel, fightback channel. Let me see who can help me.

Hello Sir madam, I am having a account [protected], MYLAPORE - CHENNAI . There are two debits in my account[protected] dated 23rd may 2014and[protected] dated 28th may 2014 for 1000 each. I have not given any ECS instructions. Do the needful to stop this ECS and credit my money back. Regards, Veeraraghavan [protected]

It was cleared at the time of opening salary account that demat will be opened and never will be charged. Still it was charged 561.8 Rs on 12th May with heading "DEPOSITORY CHARGES APR14". Please do needful and return the amount deducted. Contact:[protected]

Dear Sir/Madam, My name is Narendra R singh. I had a personal loan from HDFC Bank in the year 2011. Unfortunately I am missing out my Loan Account Number right now. I apologize for the same. My loan was for tenure of 48 months. Out of this, I have cleared nearly 30 EMIs without an default. But my last 6-7 installments are unpaid as I became completely bankrupt in recent days. I had been having very tough days all through even though I...

Hello, There as been many transaction happened online in HDFC bank credit card .This is completely a security breach and I never did those transaction . I bring this to notification to Customer care and through email too. The executives replying my mails with their standard template what they have handy and not have a sense to understand the sense from customer perspective and I am going to pay anyhow !! There is no proper response and their service completely ridiculous and my complaint number is 'HBL=[protected]' . Regards, Siva,