HDFC Bank Complaints & Reviews

DEAR SIR,
I HAVE AN ACCOUNT IN HDFC DAMAN BRANCH WITH SAVING FACILITY AND ZERO BALANCE ACCOUNT I HAVE OPEN IN DAMAN BRANCH DUE TO SALARY BASE. STARTINGLY THEY CO OPERATE PERFECTLY.AND THEY ARE NOT DEDUCT ANY CHARGES IN MINIMUM BALANCE OF 0.00. BECAUSE OF ZERO BAL. SAVING ACCOUNT. BUT NOW THEY DEDUCT SUDDENLY 4 MONTHS MINIMUM BALANCE CHARGES WITHOUT ANY PRE INFORMATION. WHEN WE CONTACT THE BRANCH MANAGER AND CUSTOMER CARE CENTRE THEY TOLD THAT WE DON'T KNOW ANYTHING CONTACT TO CUSTOMER CARE. WE ARE REALLY DIS SATISFIED WITH THEIR ANSWER AND THEY ARE MISBEHAVE WITH US FOR THIS MATTER. SO I HAVE TO SUDDENLY REPLY TO RBI CUSTOMER CARE, HDFC CONSUMER CUSTOMER CARE AND ALSO TO H.O.OFFICE. SUDDENLY THE NEXT 2ND DAY THEY CALL TO US FOR ANSWER AND THEY TOLD THAT WE ARE NOT SUPPORT TO CUSTOMER ON TELEPHONE BASE. WE JUST SUPPORT ON MAIL ONLY. BUT WE ARE NOT SATISFY WITH THEIR ANSWER. WE NEED JUSTICE AND RETURN BACK MY WRONGLY DEBITED AMOUNT WHICH ARE DEBITED FROM MY ACCOUNT WITHOUT AND PRE INFORMATION. MY ACCOUNT DETAIL IS AS BELOW: HDFC SAVING ACCOUNT NUMBER: [protected]. BRANCH - DAMAN NAME: JAGRUTI MITESH PATEL , DEBITED DATE 16/06/2013..SIR I NEED MY MONEY BACK. PLEASE DO NEEDFULLY.

I was issued an international debit card with platinum chip, it seems for international transactions, this card is required by Indian govt guidelines. I activated it and verified it with HDFC Visa/Mastercard verification. However still my card is not being recognized by international online transaction including Paypal which is the largest purchase/fund transfer for online trade. When I called customer service, I was highly disappointed. Every representative told me a different reason. One of them even said that for international transactions if the currency is different (of course it will be different) the transaction will not go through, then he said the company has to be recognized by HDFC bank (ok, how does it measure the recognition index?, Paypal has to be recognized isn't it)? After talking for hours to these reps my problem is still there. I have decided to cancel my HDFC bank account immediately and switch to ICICI which as I have heard from my friends is very friendly for international purchase/shopping /transactions.

My credit card has been debited with an amount of Rs. 65,000.00 for a Life Insurance Policy No. 15101675. I do no not have any such policy in my name.
When enquired from their help line number HDFC life refused to reveal the policy holder details. Thereafter I lodged a written complaint on May 9th 2013, at HDFC LIFE branch at Bikaji Cama Palace, New delhi. But the same is still unattended. I have writtem many a time to [protected]@hdfclife.com,
but could not get a reply.

Kindly get the amount as well as interest amount waived off on my credit card.

later From the branch at Bikaji cama palace i came to know that the policy is in name of somebody Hiralal, whom i don't even know.

Would like to inform all of you that, one of HDFC Home loan ,customer executive ,(Indira) called to my house , shouted on my wife and used abusive language and threatened of her life and my children .I was hearing of the news that ,some of the money lenders normally use these type of practices for taking back their illegitimate dues, where as HDFC home loan such a big ,professional ( not right) and leading organizations is also following the same practice !!!.
I will be taking it up with the appropriate authority/statutory forms to ensure such misbehaves should not happen because of the simple reason of “ bought a loan” after pledging of huge value of property with an exceptionally high rate of interest. I am operating this loan since 2009 and also had other house loan a/c since 2005, except this incidence of outstanding of three months (which you were claiming) ,my account was never been highlighted. This also happened because of exhausting the blank cheque left over to you.
I am extremely sorry to inform that eventhough yours (HDFC home loan) is one of the leading organization dealing in housing loan , does not have the technology to find weather your other branch got the payment/ Cheque for the outstanding amount payable to you.,which was happened to me as this incident happened after I had droped the cheque for the legitimate dues in your Cannought place branch.

This cheque was ready for almost a week back and one of your executive(HDFC ) was supposed to collect the same from my office which did not happen hence the delay and thereafter , I myself dropped the cheque in one of your branch at Cannoughtplace.

I would request you to take the appropriate action against the misbehaved employee and and send an apology letter and an assurance on behalf of your employees that your employees should not misbehave with any of your customer in future.
loan account No :[protected] &[protected]

Sub: HDFC bank Stealing of Rs.393.26,from my account Customer id:50816576

S/B Account no: [protected]
I opened regular saving bank account with HDFC ayyappathangal branch
(March End 2013)
At the time opening i clearly mentioned it regular savings account only,Yesterday i checked my account and i shocked to see Rs.393.26 debited in my account, Customer care people told me it is Max account.
How without my knowledge you can call it max account and your staff Balu told bank is there for the black money people if you don’t have black money close the account
Refund the stolen amount immediately
Note: When i wanted to open R D account branch people Bluntly told me they will oplige for insurance plan and not for R D Account.
Are you having banking licence ?
Copy to:-
1)Reserve bank of India
2)Ministry of Finance, Government of India
3)C BI (Central Bureau of Investigation)
4) Central Vigilance commissioner
5) NRI Indian Communities
6) All social network

I purchased a club membership from a local club in chennai called Club Indiaa. Upon there continous repeated calling and pestering I thought I will give a try.
the picture they gave me to make me pay was extremely rosy. After paying I came to know that it was a daylight fraud.
Commitments given to make me pay
• The membership charge of 15000 would be converted into an emi of Rs250 per month
• The amount paid for the membership would be credited into the membership card which can be utilized at resorts owned by the club later
• Seven days per year free stay would be provided in the resorts owned by the club
The actual update I came to know after I made payment
• It was Converted to Rs625 a month with a processing charge of 2655
• The scheme Is yet to be launched
• Only Tax should be paid which is Rs600

Basis on this I have applied a charge back from the credit card issuing bank that is HDFC bank.
But they are not honoring the charge back and asking me to contact the merchant for settling this I dont understand as a credit card customer
I think I have all the rights to apply for a charge back as the case is similar to the points given in the dispute form.

The club is still continuing to call and cheat other people also.
It makes me irritated to see someone cheating for a living and get away with it.
Kindly Suggest. Whom should I pursue further for getting my money.

DEAR SIR
WITH REFERENCE TO ABOVE I WOULD LIKE TO INFORM YOU THAT I AM A CUSTOMER OF HDFC BANK. I HAVE OPEN MY SAVING SALARY ACCOUNT WITH MINIMUM BALANCE RS. 0.00 MAINTAINING CONDITION. BUT NOW FROM LAST THREE MONTHS DAMAN BRANCH ARE DEDUCTING TOO MUCH WRONG CHARGES WITH CONDITION OF AMB CHARGES AND WITHOUT ANY PRE INFORMATION. I HAVE ALREADY COMPLAINT WITH BRANCH AND CUSTOMER CARE CENTRE. BUT THEY ALSO NOT RESPONSE TO US. AND WE ARE REALLY DIS SATISFIED WITH THEIR REPLY. THEY TOLD THAT THEY DON'T KNOW ANYTHING AND NOT RESPONSE TO US. SO I NEED TO WRITE THIS MATTER TO YOU ALL. I HUMBLY REQUEST YOU TO SUPPORT ME. AND CLARIFY THE WRONGLY DEDUCTION OF AMOUNT AS SOON AS POSSIBLE. OTHERWISE I HAVE TO GO IN CONSUMER FORUM FOR THIS MATTER. MY ACCOUNT DETAIL IS AS BELOW:
NAME : JAGRUTI MITESH PATEL
BANK NAME : HDFC BANK DAMAN BRANCH
SAVING ACCOUNT NUMBER : [protected]
MOBILE NUMBER : [protected]
PLEASE CHECK MY ACCOUNT AND REPLY ME SOON.

dear sir today morning when i check my hdfc bank mini statement in there in 842 rs DCD deduction in my acount i have not choose the any type of dcd facilities.this is really embrassed me.please help me.today is sunday and tomorrow i am going to hdfc bank indore cloth market branch.but this type of deduction totally waste of my time and totally i want to change my bank for this type behave to me

Hi,

I have my salary account with HDFC bank.I took personal loan from ICICI and paying EMI through bank branch before the due date.

I observed there are deductions a total of Rs 1600 from my HDFC account towards ECS return charges.I called HDFC customer care and inquired about the same.They told due to insufficient funds ,ICICI bank is deducted money towards ECS returns.But when i checked the same with ICICI they are saying HDFC bank will deduct the amount and they don't have any involvement as they already added the ECS bounce fee to coming EMI.

I am very much concerned about HDFC about this and looking forward to respond to this post.

Customer ID:43608564

I am extremely sorry to write such kind of letter. But i am forced to do so because of the irresponsible behavior from the manager of HDFC BANK (status)regarding NRI account.

when i approached for a opening the NRI account of my brother (junior manager)told us in a rude way,"they don't have NRI account facility in samalkha branch".and then we approach panipat branch and opened the NRI account.

But After few days when i went to the samalkha branch a representative is opening the same NRI account for which we are not been even attended. I was shocked at the movement how can they so rude to their regular customer, (we are already having current account and also family members savings account,in same branch)

Please take care that this kind of a behavior from the faculties may reflect in you service which may inversely reflect in your reputation in service.

Hi Team,
This is Upendra Chaurasiya here complaining against HDFC Bank .They are deducting some money regularly from my salary account .So many times we had complaint , but they are not providing solution for the same.Even June 13 also deducted Rs 842 as Depository Charges from my account even not intimated.I m also not using any demate account ,they automatically oppend without my knowladge.

So request to you please look my this issue soon and do needfull.

Regards
Upendra

Respected sir/mam,
i want to say that ,i want to removeTID machine. because i am closing my store . so plz remove my tit machine soonly in this week. my TID machine no. is 41022452. and my address is b-10 bansal store vivek-vihar delhi-110095

i hope u will take an immediate action.
thankyou
contact no.[protected]

Hello,

I hold a HDFC Bank credit card (Name: Pranav Sarpotdar) for past 2 years. In the month of May 2013 I completed a transaction online and due to some offer I got a cash back of INR 1625. In the same month (after the transaction date) I get a SMS from HDFC Bank saying that due to no activity on your card for a very long time, the card will be cancelled. I called up the customer care and spoke to them and got a response saying that the KYC needs to be checked and that's why I have got this message.
For which I refused to submit as that was not the communication in the SMS.

On June 13, 2013 i received a letter(dated 31st may 2013) from the bank saying that due to inactivity on your card for a considerable period your card has been closed and all benefits, privileges and services attached to the card have been withdrawn permanently. ( I am assuming that the credit of INR 1625 has also been withdrawn). I called up the customer care on 14 June 2013( complaint no. [protected]) and asked for a explanation. I was shocked when the executive told me that "how can your card be cancelled as you have done transaction one month back and also made the payments in the same month". But after making me hold for sometime she tells me that since you have not used your card before this transaction for a long period it stands cancelled. She tells me to drop a letter to nearest bank / ATM explaining this and the bank will give a solution.

My questions are:
1) Why should i take the trouble of even going to a ATM when technically i was not inactive and it is not my fault. Will the bank come to my house or office for a credit card payment collection if I am unable to go to them.
2) If I have used the card in the month of May 2013(first or second week), how can the Bank issue a letter dated 31st May 2013 saying that the card is not being used for a considerable period.
3) Why are the Bank executives asking for KYC documents / Letter from me saying that I need to submit these documents as the card has been temporarily blocked. Whereas the letter clearly says that all the benefits and privileges have been withdrawn permanently.
4) If in case there was an outstanding amount on my card, would the bank had withdrawn all the debits as well due to the same reason.

OR

5) is it that the Bank does not want to let me use my credit of INR 1625.

I paid the total amount due for my HDFC Credit card, but the credit card has generated a new bill of rs 2100 again even after the total amount due payment paid by me.

It is really mental harrassment by HDFC Bank Credit Card.

Yogesh Dhiman
Mb: [protected]

Hi Every one,

Iam from Chennai holding salary account in HDFC for past 3 years. Very worst response from them. i received my debit card before 2 weeks but till now i didnt receive the pin between this my old debit card was blocked automatically. I called and informed them in 1st week that i didnt receive the pin without any response they are asking me to call the courier person. In second week four days i tried the phone banker regarding this issue but after the end of the week they taken the complaint and telling it ll take 7 days for coming across the complaint. already 14 days gone now additional 7 days totally 21 days taking to receive the pin. already half of the month gone. Till now i didn't take my salary itself. Very Very poor.

HDFC company which at one time was standard for Ethics can no longer be trusted. I fell Victim to its HDFC Savings Assurance Plan. I am retired ex-service man and wanted to keep my retirement benefit in a plan where it stays safe, have flexibility to withdraw and earn a good interest better than regular savings/recurring account.

HDFC Investment advisor sold me this HDFC Savings Assurance under the pretext that I have flexibility of reducing premium, high interest and also that he is giving me joining cash back offer of 25K. He invested all my retirement amount as first premium saying that you can stop payment after this and high payment in first year means higher interest.

It is when I received the policy document that yu cannot reduce the premium, you will end up loosing 2/3rd of your total money if you withdraw before 10 years and if you dont pay premium after 1st year you loose complete 1st year premium which is huge.

In one way or other I stand to loose my retirement amount.

I tried Ombudsman, Grievances etc all is waste and lacked empathy to understand and were only good in repeating the policy statements.

I also tried IRDA and havent got any response. If anyone knows a solution please comment

I saw a lot of similar complaint here and reason for these is SAP comes with almost 25-30% bonus to Insurance advisors as compared to other which gives 7-10%

HDFC which once was a premier institute is now cheating its customer. Do not Invest in HDFC products, staff is unprofessional, departments are least bothered about your money. I dont have a good experience with there Home loans also in terms of adjusting interest rates as per market rates when it comes down. STAY AWAY FROM Savings Assurance Plan and HDFC to be on safer side.

If Mr DEEPAK PAREKH or HDFC VP come across this please investigate your department dealings especially in New Delhi (West branches like Rohini etc). Is there someone accountable in this country who can take some action against HDFC and its Policy Advisors.

DO READ THE DOCUMENT CAREFULLY and DO NOT SIGN ANY POLICY WITHOUT DOCUMENT IN HAND (Get cope of policy from NET)
DO NOT INVEST in HDFC as Internet is full of complaints against there products, claims department, Home loan etc.

Dear Complaint Forum

This is Dennis Hankins, Customer with HDFC Bank. To brief you on the situation I had purchased a Micromax A90s phone on 21st November 2012 via Snapdeal.com, and converted it into a 6 months 0% emi and the merchant charged me twice for same item. I had made numerous calls to HDFC Customer service and explained the situation and also informed that I will not make any payment to the credit card until the Duplicate charge and other charges related to it are refunded, they gave me a Complaint reference number:[protected] and asked me to send me the cancellation invoice which I’ve sent . The transaction was refunded on 21st January 2013 (2 months after actual purchase). Before this issue could happen , I had a good relationship with the bank and never defaulted on any payment and was a privileged customer to HDFC. Please check all related transactions before 21st November 2012.

The real serious issue which I would like to report to you was the credit card statement dated 14/02/2013

On 19/01/13 there was a Debit of 8566 which was mentioned as a MER EMI, LOAN PRECL,[protected] I called the customer service and asked them for what this amount was charged, none of the customer service representatives where able to give a proper answer on why this was charged and some representatives told me that I had to pay this amount. Isn’t it Misleading the customer, I would request you to track all the calls I made to the customer service. Even some representatives from Grievance Redressal (Level 2 Contact) could not advise me on the credit card statement dated 14/02/2013. This is a very serious service failure on not knowing on how to advise and educate the customer. Finally days later I’ve received a call from a representative, who was able to explain somewhat close to understanding, and later I checked for myself and had it figured out the issue after hours of study it.

In addition to the above issue, on numerous occasions I have requested to close my account and also agreed to clear the outstanding amount. But still my account is not closed and the finance and other charges keep accumulating on the account. Instead what HDFC has done is they had closed the card and reissued me a new card, Another Service failure on the part of the bank. Seriously they are not able to empathize with the customer instead they mislead him.

Unfortunately, the HDFC Customer service/Grievance Redressal has not performed well and the service provided to me was inadequate. I am disappointed because the service was not performed correctly and the problem is still not solved. That is why I’m escalating this issue to you sir. Please look into this issue and I’m looking for a suitable compensation from HDFC Bank for the bad service which has been rendered to me. Also another request I would like to put forth, I want all the charges (Finance, Late and Service tax ,Other charges) to be refunded from November 2012 till May 2013 – I have already spoken to someone from the Grievance Redressal they informed me that they will get back with a solution , but still I have not received a solution, It has been over a month now. Request you to look into this issue, and whatever is remaining outstanding amount after the above requested charges are reversed I’m willing to pay the remaining amount and close my credit card account. I look forward to your reply and a resolution to my problem Please contact me [protected] for any further clarifications on the issue. Thanks


Sincerely,

Dennis Sheldon Hankins
[protected]
hankins.[protected]@gmail.com

Respected Sir,
Good Morning/ Jai Shri Krishna
I want to say that myself Gourabh Suri S/o Mr. Surendra Suri .I have account in your branch-[protected] but due to name mis-match in writing error so amount didn' t credit into my HDFC account against ch:707099(Bank of India,Nagpada-Branch,Mumbai) & deposited into PLOT NO. 16/17, 55, VICTORIA ROAD MUSTAFF BAZAAR, MAZGAON, BYCULLA MUMBAI MAHARASHTRA 400010,MUMBAI - BYCULLA branch so please do needful for the same because both names belongs to same person & find attached all the documents..This is humbly request for the same...

Hi,

I have a salary account in HDFC bank, which i was using just to pay my credit card Bills. But today i found that they have deducted money from my account without any prior information. This is disgusting. I will close my account as well as credit card, if i don't get my money back.

10 jun 2013 AMB CHRG INCL ST & CESS FOR MAY2013 10 jun 2013 29.78 0.00
10 jun 2013 AMB CHRG INCL ST & CESS FOR APR2013 10 jun 2013 389.22 29.78

Manpreet Kaur Meet

Sir,
I applied for a duplicate credit card from HDFC bank. In that context I sent a hard copy of application to their chennai credit card center. I sent that application through HDFC Patia Branch, Bhubaneswar. According to the branch manager the hard copy mail was delivered to Chennai Office on 3rd June. The mail was sent by by Cosmic Courier (AWB: 109657 dated 30.5.13). On 7th June I Made a call to Calcutta Credit Card help center but to my surprise I got this information from them that till 7th June 2013, the system is not updated with the receipt of my application in hard copy. That means their is a total miss-management in the system. In that context I also wrote a mail to Mr Aditya Puri, MD of HDFC bank on last week, but till now nobody from HDFC bank has even felt urgency to call me back in that regard. My net banking is showing that duplicate credit card has been generated against my account. But simply it is kept undelivered till date. Is it at all world class service from HDFC bank. I am also thinking of writing this story to social blogs and network. The mail I wrote to Mr Aditya Puri is as follows:


To
Mr Aditya Puri (aditya.[protected]@hdfcbank.com)
MD, HDFC Bank
Cc: animesh.[protected]@hdfcbank.com,
Grievance Redressal <Grievance.[protected]@hdfcbank.com>,
grievance.[protected]@hdfcbank.com

Dear Sir,
Its a very bad feeling for me that at last I am writing this mail to the highest authority of HDFC bank. I know it is not possible for him to pay attention to very small issues occurring everyday and every moment.

I am a credit card holder of HDFC. Due to some disputed transaction the card was blocked. The card no is [protected]. The case id was HBL=[protected]. Later on I also appealed for the issue of a duplicate credit card. The hard copy I sent through HDFC Branch: Patia, Bhubaneswar. When I went to that branch some staff member asked me not to drop that mail in the drop box when I asked him where to drop that one. received that mail (hard copy in a sealed envelop) from my hand by himself. Last day I rang Kolkata helpdesk of credit card center. There Ms. Bidhrohini attained my call and she explained the reason why the duplicate card has not been dispatched to me. The reason she expressed before me is like this.."As you did not give the written application for issuing a duplicate card, so it has not been done". I was surprised and told her that I by myself handed over the hard mail copy to the concerned branch at Patia, Bhubaneswar. But she told that she is helpless since the system is showing like that only. Then I contacted the Patia Branch Manager Mr Manoj Parida and narrated the whole thing. He told that he needed 4 hrs (that time was 1:52 PM) since he has to contact Chennai office. I waited upto 6PM in the evening. I also gave him a mail intimating the same. At 6 o clock again I rang him and he informed me that the mail was sent from the branch by Cosmic Courier (AWB: 109657 dated 30.5.13) and the mail was delivered on 3rd June, 2013. I asked him to send the scanned document of that acknowledgement slip duly signed on that date. He told that last day evening it was not possible since that courier office is closed, next day morning (that means today)he will definitely send it. Today in the morning again I rang him and asked him when he will send it. I felt that he is a kind o[censored]nhappy with my question and gave the answer "it is not possible for me to give the answer, when it will come I will give it send it to you by mail only". His approach was like that as if I have done something wrong by making a call to him. That means he is not at all customer friendly. At around 1:10 PM today only another person from that Patia office(whose name is probably Debashish) called me from his no [protected] informing me that I can talk with that courier company delivering the mail to Chennai office for confirmation. I asked Mr Debashish why I will call that courier company? I also asked him why you are not sending the scanned copy of that acknowledgement slip? What is the problem? He could not give me any satisfactory answer. I also asked him "Tell Mr Parida, your branch manager to call me". But till now he did not show this minimum courtesy to call me back. Another thing I have noted that whenever I gave any mail to him he has not shown any minimum courtesy to acknowledge that also. His way of talking is also a kind of rude because I can convey his statements to you but I cannot convey his attitude at that moment. All these things indicate that intentionally he likes to harass the customers. If he cannot serve the purpose he could directly tell me that it is beyond his capability, but he has no authority to make harassed simply by keeping me waited for more than 17-18 hrs. I thinks he is a intelligent lier. The staff member (Mr Debashis) wanted to to know that from where I have got this news "you have not given any hard copy of application for the issue of a duplicate credit card"? As if I have given them the wrong information yesterday. I asked him "ok now I have to inform this thing, the total miscommunication to MD of HDFC bank".

Yes I know that your contribution to the Indian banking system is beyond any comparison since now HDFC means a word of faith and dependency. You have come to this position by sacrificing so many things, but are your staff members are aware of that? I think they are only happy with their handsome salary packet at the end of month. I think they have forgotten this simple philosophy that if customers are not there they are also value less and yes the satisfaction of each and every customer is the prime concern. Since the satisfaction of one customer can help bringing another ten customers, the simple logic of business world.

I will go abroad very soon. So I do not know how I will accept the new credit card if it does not reach me before Saturday!! I think I should not use the HDFC credit card anymore because in the market there are thousand and one good banks who also offer this credit card facility.

Another thing I also want to mention out that a couple of days back I also sent a mail to bank card email id requesting the delivery of the duplicate card. But they also did give no reply till date which is surprising to me.

If you want I can put forward all the previous mails sent to different email ids related to HDFC for you kind verification.

Still now I keep 100% faith on the highest authority of HDFC bank since I believe that the name "Aditya Puri" is enough in India. I know this name is the other name of faith and clarity among the Indian bank customers. I hope the solution will come out.

With Best Regards
[protected]
Indrajit Chakraborty; Ph.D
M: [protected]