HDFC Bank Complaints & Reviews

Dear Sir, My name is Rahul Saxena i have Saving account in HDFC :[protected] at 8th of Dec'13 i submitted my salary cheque of 31, 000rs which was clear yesterday, 10th Dec'13 i did withdrawal of 10, 000 last evening now today i was transferring fund to my parents and i saw my Account Balance is "ZERO" and rest 21, 000rs is on HOLD... i called at customer care and they said due to my pending credit card bill this money is on HOLD. this is my only working and salary account, next month my salary would come in this same account, and HDFC Bank says they will again hold my money untill i pay.. when i called at customer care that person made 1000 excuse and didn't let me talk to the supervisor... now can who would tell me when they are keep blocking my account... how to HELL I WILL GET MONEY TO.. 1: PAY THIS DAMN CREDIT CARD BILL!!! 2: PAY RENTS !!! my Credit Card no is. [protected] I HAD AN ACCIDENT BECAUSE OF THIS I WAS OUT OF STATION, NO JOB for past 2 month of OCT and NOV'13 !!! i was keep getting call on my number which was unanswered because i was not fit to talk. this was my Sept's Salary now today i am back to work and i have so many expenses this week.. so CAN I KNOW WHERE DID I SIGN ON WHICH PAPER OR WHAT PHYSICAL TRANSACTION I DID THAT HDFC PULLED MONEY FROM MY BANK ACCOUNT WITHOUT MY PERMISSION!! is this what you call "SAFE AND SECURE BANKING" Believe me.. after when this is over.. i am going to permanent close my HDFC SAVING ACCOUNT and CREDIT CARD ACCOUNT also i will suggest every one to never go for HDFC Saving account or Credit Card.. and i wish no one from HDFC would call me "do u need a credit card..." >:( >:(

my salary account has been debited 5 times with total amount of Rs.1741.58 for "AMB CHRG INCL ST & CESS" for MAY to AUG &NOV 2012 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. This happened fifth time with me and its not acceptable in any case. Kindly process the refund for all these debit transactions otherwise I have to CLOSE my account with HDFC Bank forever Thanks jayprakash Verma

I am Tarsem Singh resident of Dhuri, (Punjab). I went to surrender my HDFC youngstar Policy No 12595433 at Patiala office, because I had paid 6 installments of 6000/- each (i.e Rs 36000/-), but my fund value was showing just 25000/-. To avoid further loss, when I wished to surrender my policy, and visited their Patiala office last month. They told that the surrender charges will be @15% of value and I shall get only about 20000/- (even after 4-5 years of commencement of policy). However, I said that I am ready to accept, they told that this amount shall be transferred to your (my) wife's account so give them her bank account no. and proof (statement or cheque book). I objected that when I am alive, and signing to surrender policy documents, why my wife's account is being asked for? They refused to listen me and said, amount can only be transferred to my wife’s bank account. I had not any bank account in the name of my wife, so I had to make my bank account joint with my wife and then after some days I again went to HDFC Patiala office on 10.12.2013, Now they said that form should also be signed by my wife. It is ridiculous, when I had purchased under my signature the policy and have paid installments from my pocket and I am signing documents to surrender this policy and also ready to accept that amount can be transferred to my wife’s account account, why her signature are being required ? But they did not accept my surrender documents again and returned me, Now my amount is illegally retained by HDFC. Now, my amount has been illegally retained my HDFC and if fund value is decreased in future, I shall sustain loss whereas I am losing interest on this amount as well.

I am Tarsem Singh resident of Dhuri, (Punjab). I went to surrender my HDFC youngstar Policy No 12595433 at Patiala office, because I had paid 6 installments of 6000/- each (i.e Rs 36000/-), but my fund value was showing just 25000/-. To avoid further loss, when I wished to surrender my policy, and visited their Patiala office last month. They told that the surrender charges will be @15% of value and I shall get only about 20000/- (even after 4-5 years of commencement of policy). However, I said that I am ready to accept, they told that this amount shall be transferred to your (my) wife's account so give them her bank account no. and proof (statement or cheque book). I objected that when I am alive, and signing to surrender policy documents, why my wife's account is being asked for? They refused to listen me and said, amount can only be transferred to my wife’s bank account. I had not any bank account in the name of my wife, so I had to make my bank account joint with my wife and then after some days I again went to HDFC Patiala office, now they said that form should also be signed by my wife. It is ridiculous, when I had purchase the policy and have paid installments from my pocket and I am signing documents to surrender this policy and also ready to accept that amount can be transferred to her (my wife’s account) account, why her signature are being required ? But they did not accept my surrender documents again and returned me, Now my amount is illegally retained by HDFC.If the fund value is decreased in the future, I will have to sustain loss.where as I am losing interest on this amount as well.

DEPOSITORY CHARGES I have been using the HDFC BANK salary account and they made us fill the DEMAT Account which they told will be free. But then now i can see that the amount of 842.70 is deducted on 12th Nov 2013 mentioning "depository charges Oct 13" I have not even logged in to DEMAT account was not even willing to take it, but they focrced and told that it is free and no deposit will be required and charges will be deducted I want my money back with avalid explanation as to why the amount is deducted from the account directly without informing the account holders. Look into the issue at the earliest and revert my money back to me as it is hard earned money. Do revert me back on Shashank.[protected]@rediffmail.com

CLAIM NO : C[protected] VEH NO : TN 04 AL 7673 BMW 118D 1 SERIES INSURED : M/s. GURUVAYURAPPAN CHIT FUNDS PVT LTD. With reference to the above claim as advised by HDFC ERGO GENERAL INS. CO. LTD. flushing and cleaning charges will allowed. Hence kindly provide your estiamte to proceed further. Sir, Two weeks back my BMW car was taken to the problem caused by hydronic lock . The revive owner intruded me to claim for the insurance and I did so this was e.mail that received from them there ignorance towards me gutted me a lot. This is a clean case of cheeting by denying the claim so I humbly request you to help me for the alone issue

HDFC Bank Branch Udyog Vihar -Gurgaon-244001 played a fraud against me.

They Misguided me to open Demat Account with my salary account, without even informing me of such services.

Further they lay down charges INR 843.00 as Depository Services Charges.

Please Help Me to Refund Such charges Rs 843

Thanks,
Rohit Puri

Sir, My name is Alay Pankaj Jhaveri and i trade on hdfc securities. My trade no is 78912. On 3rd dec i sold 2850 trigyn tech shares at 14 rs but on 5th dec i didnt get the full amount of 39630.35, i got 5000 rs less from HDFC securities. I phoned customer care, they say will call back but its been 3 days and nothing. I want my 5000 rs back to be deposited asap. Regards. Alay Jhaveri [protected] Ahmedabad

I am Rajesh My personal loan account number is 24678498. I have taken my PL on May 2013of Rs.3lacs, 6EMI Paid.

Now I want to foreclose my personal loan and agreed to repay all the amount of personal loan charges .At the time, when i had applied for loan, hdfc guy told me that I can close the loan after 6 months, but when I called phone banking in order to know the procedure they told me that I can't close it before 12 months.

Kindly help me for the same, as I have applied for home loan to HDFC for 19lacs but they asked me to close personal loan first, as they need forecloser certificate of personal loan.Construction of my home is alredy started, now I'll be in trouble, if I'll not allow to pre-close the personal loan.

Please advise the procedure & to whom should I contact for the fast process.

Email ID:- [protected]@gmasil.com

Every Month, there is always wrong deduction of amount from my HDFC Bank by HDFC Bank as a AMB Charges, even there is sufficient amount in my bank account so that there will be no AMB charges . And these wrong deductions from HDFC Bank has been happening for the last 1.5 years. Please check the screenshot attached.

To Date:[protected]. HDFC Sub: Invalid Transaction Dear Sir, With reference to the subject stated above, I want to bring to your kind notice the below mentioned facts: I have done online transition on 14/11/2013, Transition id 568387 (for Air tel bill payment Rs. 500) but transaction declined .I have generated below Complaint but still not credit amount Rs. 500 Please find below Complaint id with mail & net banking Transition id 568387 Reference number[protected],[protected] and[protected] Net banking Mailbox Reference number [protected] Regarding account number please check above Reference No So I request you to look into the matter and take necessary action accordingly so that the above amount may be credited to my account immediately. Thanking you, Kailash Singh Contact: [protected] Yours faithfully,

My savings account funds of RSI. 17587 has been put on hold by HDFC bank without giving any prior intimation. This is my hard earned money and we keep the money in bank for safety and not for bankers to put hold on funds as per their convenience. This is an outright brash attitude and treatment. I also fear potential misuse of my funds. I want the hold removed and my cash freed....

I have not received yet the paid up policy refund amount as the said policy No 12161644 in the name of Mrutunjaya Basavaraj Gajare. Commenced on 11/09/2008.Since the the said policy has been discontinued, There is no response for my previous complaint and also for my application letter dated - 25/08/2013. Ihave submitted the copy of application to you in my previous complaint. I request you to return the amount immediately.

Hi, I went to HDFC Bank Credit card H.O today which is located at Richmond road, Bangalore to speak about my card overdues. After looking at my payment history I decided to settle my card. Bank people gave me one amount for settlement but I convince them that I dont have that much of amount to pay and I told them some amount (Suresh who was the Bank Executive and he said that bank will not agree for such amount and then called his Senior named Tilak (I think he was Goonda before joining HDFC) then he said we have to settle that amount, and I said due to unexpected finacial condition it was not possible for me to pay that much of amount. Then Tilak HDFC Goonda started shouting at me and my brother. You know how he was behaving like a Gonda, who don't have any respect for customer. My brother asked him why is he shouting and then again shouted and told us do whatever you can he will behave like that only and he was about to fight with my brother. You know this all happen in small torture room, which was really pathetic. With this experience, I will never do transaction with HDFC and will also share this issue with my family and friends. Can any one look at this and let me know what best can be done with this issue. In the meanwhile I have sent this message to the Bank legal department as well.

I ANIL KUMAR .K, POLICY NO[protected] . Now due to my personal money problems I want to close this policy so i approached palakkad branch, their behaviour is so rude & now they told me that I have get only a small amt of what i had paid because the market price is down & even the surrendering charges i had to pay but these were not the words at the time of commencement of policy .The company representative an agent and even the branch manager assured me a good maturity amt whenever i withdrew & they also didnot tell me that my policy is based on market iam totally unaware of it, this is really UNJUSTICEABLE, please dont play tricks with the human nature for selling your mere policies.NOW AT THIS POINT OF TIME WHEN I NEED THE MONEY MOST I WANT MY MONEY BACK ATLEAST THE AMT WHAT I PAID AS PREMIUMS, OTHERWISE I HAD TO KNOCK THE DOOR OF CONSUMER COURT BECAUSE YOU HAVE LEFT NO OTHER OPTION FOR ME.HOPE YOU WILL CONTACT ME AT THE EARLIEST MY CONTACT NUMBER IS -[protected]. YOU SHOULD MAINTAIN THE GOOD RELATIONSHIP WITH THE CUSTOMER LIFE LONG THEN ONLY HE CAN BUY POLICIES FROM YOU & EVEN TELL HIS WELLWISHERS ALSO ., IF HE/SHE HAD A BENEFIT FROM YOUR POLICY THEY WILL SURELY CHOOSE YOU FOR THEIR NEXT POLICY BUT UNFORTUNATELY & PRATICALLY SAYING THIS IS NOT THE SCENARIO YOU ARE DOING IT NICELY ONLY IN SALES PROMOTONS MEETINGS & IN VISUAL MEDIA, NOBODY WILL BUY YOUR POLICY MERELY WATCHING AN ADVERTISEMENT IN T.V."DON'T UNDERESTIMATE THE POWER OF COMMON MAN"

Dear Sir, Summary: Please note the following facts below, which point towards a possible Ponzi Scheme being run on the HDFC Bank/Life Policy holders. At the onset I took the incidents as cited below on their face value as genuine but on thorough investigation and after speaking to IRDA(Ms Nisha @ 155255) and HDFC PGRO(Mr Roland @[protected], it seems that this a very serious matter where in: a). The Private information about HDFC Policy holders is being leaked/accessed(this is information about Policy Numbers and Phone Numbers) b). Policy Holder has been misinformed that the said value of investment in HDFC has depreciated considerably. c). That HDFC has unethically invested policy money in Market, d). That Third party product should be bought by investor to break even on the Investment. Policy Information: Policy Number:[protected] Policy Holder: Mr Anil Kumar Saxena Policy Type: HDFC Life Personal Pension Plan- Regular Premium Policy Bought on:[protected] Policy Premium: Rs 10, 000 Per Annum(Aprox) Paid so far: Rs 1, 10, 100(Approx) INCIDENT: The stated facts are as per their chronological sequence 1). I, Anil Kumar Saxena, holder of policy above, received a phone call on[protected] on my Landline Number, from a person mentioning, he was speaking from some Government Insruance Monitoring Body. He mentioned my Policy Number and asked me following questions to which my answers are also mentioned è Q: Are you receiving Account Statement for the said policy from HDFC? A: No I have not received this for last 10 years è Q: Were you informed that HDFC Bank is using your money to invest in Share Market? A: No, and although as per my knowledge Pension Plan money should be invested in Share Market. To this the Call Center Person said that they are going to lodge a complaint with HDFC Bank for mishandling my fund and that the HDFC Bank will resolve my complaint and refund my money with interest. He gave me complaint ID:[protected]. He took my Mobile Number as alternate contact number. 2). I received a Phone Call on[protected] from Ms Soni Sharma, who said she was Manager with HDFC Bank in New Delhi. This call came from [protected]. She said the following things: è I am sorry that your agent did not inform you that this money will be linked to Share market due to which my return on investment will depend on Share Market. è I am sorry to inform you that you Fund Value today is Rs. 71, 880, although you have paid Rs 1, 10, 000 to HDFC so far. è If I had opted for my Investment to be linked with Govt Securities my Fund Value would have been Rs 1, 46, 980 plus a bonus of Rs 16, 000= Rs 1, 62, 980 è To this I was very displeased, but she informed that if I can invest with some Government Security Investments they will route my money to these Govt Funds in back date and give me ROI in back date and I will get Rs 1, 62, 980 back. Finding it fishy I asked her to get me in touch with some one Senior. 3). I then received a phone call from someone claiming to be CEO, HDFC Life, saying his name was Ved Prakash Arora. this call came from [protected]. This person informed me the following: è that my funds were infact linked to share market and today their value was Rs 71, 880 although i had paid HDFC Rs 1, 10, 000 in last 10 years. è that if I had opted for Govt Securities linking, my Fund Value would have been Rs 1, 46, 980 + Bonus of Rs 16, 000 = Rs 1, 62, 980. è that as I have been misinformed by Agent in 2003, he would help me someway to keep the HDFC reputation intact, è that he would send his agent to my place and that I should buy a Birla Sun Life Plan @ payment of Rs 25000Per Annum from him. è that this plan will help him route my investment with HDFC to Govt Securities. è that as soon as I pay the first premium to Birla Sunlife, he will cancel my Birla Sun Life Policy and send me a cheque of Rs 1, 62, 980. 3). The Birla Sunlife person came to my house in few hours and took from me a cheque of SBI, Yamuna Nagar Cheque No. 424705, dt 25.11.2013 for Rs25, 000/-Only and alongwith my signatures on Birla Sun Life “Vision Life” Insurance Form No. 49126183 with documents such as PAN card PhotoCopy, Driving license PhotoCopy, Passbook's Photo Copy and Two snaps. 4). In few hours again I received a call from Mr Ved Prakash Arora telling me following: that he has received my insurance form and, that I should note my Birla Policy Cancellation number, BZ196XX449, as he got my policy cancelled. 5). I in some time also got a phone call from Ms Saloni Sharma saying: That my original complaint with Govt Insurance Agency has been closed vide Approval Number: 0049AP31. that they have processed a Cheque Number 004662, Axis Bank for Rs 1, 62, 980 in my name. that I will receive this cheque in February 2014. I hereby bring to your notice the above facts. There seems to be a fraud running here and the private information of the HDFC investors is being accessed and used for such frauds.

Sir Today I have receives a call from SBI Customer care whose telephone no[protected] @ 1.30 p.m he told me what is your problem I told him that some credit amount lying in my name, he told me your card has been locked so please give me another Card no so that I have given my HDFC Bank card no which has already mentioned in subject after that four debit has been came to my mobile no Rs.6352, Rs.18470, Rs.4972 and Rs.10000 @ 1.43 P.M to 3.43 P.M my mobile no-[protected]. Hence I have requested you to solve the problem and dont pay any thing to the merchant. Nirmalya Goswami

Mrutunjaya Basavaraj Gajare, 1055, 2nd Cross, Ganeshpur Road, Opp: Bharat Steel, Laxmi Nagar, Belgaum-591108, Karnataka. Date,[protected] To, HDFC Standard Life Insurancee Co. Ltd., 11th Floor, Lodha Excelus, Apollo Mills Compound, N M Joshi Marg, Mahalaxmi, Mumbai. 400 011 Sir, Sub :- Intimation Reg., the Fund Value in your Paid up Policy – Policy No. 12161644 Ref : Yr Lr No 119064 dtd.[protected] With reference to the above this is to inform you that I am not interested to renew / reinstate my above said policy further. I want to withdraw the balance amount in my policy account what ever is available. Hence, I request you to refund the amount available in my policy a/c through cheque to my above said address immediately. I am not interested in anymore correspondence with you, reg this matter. Thanking you in anticipation. Yours faithfully, Mrutunjaya Basavaraj Gajare,

hi, i have applied for a home loan inHDFC Ltd in the month of July 2013. there is a debit of 2000/- from my HDFC bank account number [protected] towards processing fee against my loan application number[protected] in guwahati branch as processing fee for PNS scheme. the representative has told me that HDFC Ltd will contact me before debiting my 2000 Rs cheque as processing fee. But the same did not happen. Rs 2000/-has been debited from my account. I could not avail the loan for some circumstances. Request you kindly to refund the same at the earliest in my HDFC bank chandmari guwahati branch account number [protected]. Regards Ratul Lahkar [protected]

I have salary account in HDFC bank. I dont have any credit card nor i have any loan.But recently when i applied for loan i come to know that my cibil score is negative.I dont know why? Can please help me in this case. I contact with bank then i come to know that This report is according to them that "cibil is negative because i applied for credit card and loan" but i had never applied for loan nor for any credit card. Please help me email Id [protected]@gmail.com