HDFC Bank Complaints & Reviews

My name is Mr. Mervin Fernandes, holder of HDFC debit and credit card. For safety reasons, I will only quote my customer id 41182971. On 22 June, 2013, I received the following SMS on my registered mobile no. "MAKE 5 TXN BETWEEN 15TH TO 30TH JUNE'13 AND GET FLAT CASH BACK OF RS. 150/- " If I am right, I must have contacted the HDFC Credit card helpline[protected] on the same day (22/6/13) to confirm about this offer. I was advised over the phone, since the last 4 digits of my credit card were not listed, this cannot be a HDFC credit cards offer. I requested the rep to transfer me to the Savings bank account section to check if this offer was applicable on my debit card. The rep in the debit cards section asked me to read the SMS word by word. He then advised me this offer applies on my debit card. As per the rep, this offer will not consider cash withdrawals. In order to eligible for the Rs. 150/- cashback, I will have to swipe my card at any merchant outlet. THere is no criteria for swiping it at a particular EDC though. I can swipe it on any EDC machine for a minimum of Rs. 100/- five times within the specified period and I will receive the cashback. So I went ahead and did the 5 transactions. In between, on 29 June, 2013, I once again confirmed with phone support about when I will receive the cashback. THis time too the rep advised me I will receive the cashback. THe fifth swipe was done on 30 June, 2013 and till date not only have I received any cash back, HDFC Bank now gives me crap. I again called up phone support and was given a complaint no MUMC[protected]. After the complaint was logged, I have been contacted by the Bank. First I was asked the source of the SMS dated 22/6/13, to which I replied LM-HDFCBK. I again received a callback today (9/7/13), where I was advised this offer was actually on my credit card and I need to call the credit cards helpline to check the offer. Is HDFC Bank run by fools. This story only proves this point. WHy was I advised this offer was on my debit card? For that matter, why was I send this SMS in the first place? The shameful part here is I contacted phone support and the phone rep gave me all crap. It is indeed a shame, I am a holder of 3 credit cards and yet I use a debit card to shop. This is crazy madness manufactured by HDFC Bank. It is either the bank is run by or the phone banking reps are here to create work rather than providing the right information to the crap created by someone else. THe way I look at it now, no one knows about the SMS. To whomsoever reading this note, please do not take SMS' from HDFC seriously as it may be just a ploy to make you spend unnecessarily.

Dear sir/Madam,

I am working in a private cement company as a sales person and my wife Sasmita Panda is a house wife and living in a renter house at Rajnandgaon of Chhattisgarh with 3kids. This is such an unfortunate moment when I taken an insurance policy from HDFC bank, Rajnandgaon in the Month of Dec'12. The policy bond which I had received with 2 title in the bond. The person I never seen who have bearing two title at a time with out any reason. That means the name appearing as Shashmita Panda Sahu in the policy bond which is not opted for. My wife signed as Sasmita Sahu in the policy application page. After few days they asked to submit the doc. of my wife as a proof of identity whereas they told me before that no doc required if you will do from your salary a/c. However they taken board certificate of my wife as a age proof and Vote ID card for identification which is named as Sasmita Panda. They neither did the KYC in the name of Sasmita Panda nor Sasmita Sahu. They filled all shorts of other application procedure with forgery signature of my wife and sent a wrong policy doc. in the name of Shashmita Panda Sahu. I lodged so many complains immediately after receiving the policy doc. by verbaly and written thereafter and in so many times. Further I came to know that the policy benefits are also veg-us(misleading information given) and done as per the benefits of the sales man.


Sir/madam, In due course of time I sent numerous of mail to rectify the name and refund of my deposits to their grievance sell but received apology and no action further. In between 6 month already passed away and neither they rectified my name and not refunded my deposits. I want my hardship money back to my account. Please help me out.

Evidence:Attached doc received from bank as an evidence of name change. There are other evidence of documents could be provide you if you required which will proof the mismatching of signature done by the bank officials in the time of KYC.

This is Sesh,

I sincerely recommend you that don not ever take Personal Loan from HDFC Bank.

They never worry about customer satisfaction – they need money by troubling customer as much as they can gain and doing fraud.

They will be behind you until you take the loan and do the lot of follow-ups for top-ups and once you committed definitely you will be in trouble.

Without informing you they will charge extra – these are hidden charges. You will be charged for all stupidy things.

They intentionally make your ECS stopped and make your account got delinquent and charge extra cost for all fraud things.

This is true and with my experience I am posting this – I am not opponent to HDFC, but as a customer unable to digest all these worse things.

I even don’t know how RBI is supporting such Banks in INDIA.

Whether you believe or not – that’s up to you!

Dear Sir,
I would like you to please help us resolve the issues being faced by us with HDFC Bank due to the their manager Mr. Pradeep Mahor, having committed to us certain Cash Deposit Waivers and now him not obliging us with the said commitment, thus HDFC fraudulently charging us these charges for my account numbers :

1. Current Account No : [protected].
2. Current Account No : [protected].

The basic matter in bullet points is as follows:

• We have a Petrol Pump (Aiki Auto Service) at Wagle Estate, Thane and had a fine and well serviced current A/c with Axis Bank in 2012, when HDFC opened its branch very close to our outlet.
• We were then approached by the manager in charge Mr. Pradeep Mahor, who requested us to transfer our account from Axis to HDFC, and keeping in mind that HDFC was much closer to us, and with the commitment by the manager Mr. Pradeep Mahor, that he too would continue to give us the waiver of Cash Deposit Charges, we chose to transfer our accounts to HDFC and that we should transfer all our Current and Savings Accounts of company and family members to HDFC, which we did.
• We noticed, that HDFC was indeed charging us for these cash deposits and we met Mr. Mahor at Wagle Estate Branch and told him that in spite of his commitment, we were being charged for these cash deposits, to which he confirmed that the same would be waived off soon.
• We noticed in Dec 2012, approximately Rs 15,000/- was waived by HDFC and we continued to inform him that there is still a charge being charged upon us for the deposits, to which he continuously assured us, that “Mr. Dhowan, why are you worried, when I have given my word that I will have the charges reversed, please trust me on it, and you can see that in Dec, I have got the said charges reversed, then why are you not trusting me”.
• Keeping this assurance we continued banking for another 3-4 months, however, we kept telling him (Mr. Pradeep Mahor) verbally to please waive the charges, and he never failed in committing that it would be done.
• Then in May after repeated verbal talks, we gave a written letter which he did not accept with a stamp, we then sent him a reminder after a few days (all communication attached), for which we insisted on a stamp of acknowledgement – to which he chose to personally call me up and again insist, that why am I insisting on these documents and reminders, when he has given his word and the charges would be reversed, to which I told him, that I need it in writing, as what happens if you (Mr. Pradeep Mahor) is transferred to another branch.
• It is since then that HDFC Wagle Estate and constant communication with the grievance cell of HDFC is not answering to any queries made by me, instead they constantly send me a mail, mentioning that since their cluster head Mr. Nangia met me, and has offered me 50% reversal of charges, the matter is resolved, where as I am not willing to accept anything less than 100% reversal, as I am not at fault, the commitment was made by their manager, and it is not fair of HDFC to deny this commitment. I have even written to the Nodal officer Mr. Anuj Sharma in regards to the matter, but I have received no reply from them in the matter.

I do request you to please intimate me whatever documents you may require, as I have all stamped copies of documents constantly submitted to HDFC and the emails of communication too, however, that may be too much for you to read initially, thus, if you can look into the matter, I would be obliged.

Hi,

I have received a call from HDFC Life for a Classic Assurance policy and the policy scheme sounds good to me and I purchased it at a price of 15,500 per year. But Once I have submitted the documents and my credit card details. They have deducted my full amount from credit card but I have already given instructions to them that I will take it as an monthly EMI, but they have deducted full year amount. And After that I tried to call the same person/ policy seller again and again and she had not picked up the call. I tried from different number but once they picked up and I tell them my name, She cuts the call again. I escalate this issue and one senior manager call me for the same and assured me that by tomorrow my issues will get resolved,. But on next day he also switch off his mobile and keeps on cut my call again and again. I went to HDFC Life office and they are also not responding properly that how much amount I will receive back if I will cancel this policy. Finally I cancelled it and have not received my refund back as of now. I am waiting for it.

The policy seller was a female policy seller and her name was :
[protected] Isha Paval (Mob: +91-[protected], Office:[protected]

Manager name was:
[protected] Sanjay Singh (Mob: +91-[protected])

HDFC Life Insurance is really fake and there policy seller is also very fake and un trust worthy. Please dont' go for HDFC, rather choose govn. sector insurance i.e LIC.
HDFC also donot take ant action against there fake policy seller and allows them to do mis-selling of policy.

Policy No [protected] Claim Ref No C[protected]
Proposer's Name AMIT JOLLY
Claim Intimation Date 21/06/2013 Loss Date/Time 18/06/2013
Current Status Claim Assigned for Survey
Claim History
Surveyor Name - [SurveyorName]
Surveyor MobileNo - [SurveyorMobileNo]
Claim under Process
Claim Assigned for survey
Claim intimated - 21/06/2013AS YOU HAVE REPLIED ME NOW ON 8 JULY 2013 , AFTER 17 DAYS OF LODGING MY CLAIM .

YOU HAVE OUTRIGHTLY REPUDIATED THE CLAIM .

I AM LEFT WITH NO OTHER OPTION THAN TO GO FOR A LEGAL REMEDY FOR SAME.

PLEASE NOTE THAT YOU HAVE COVERED ME FOR MY VEHICLE AS PER THE COVER NOTE ISSUED BY YOU PRIOR TO THE POLICY ISSUED .

IF YOU HAD ANY PROBLEM WITH THE COVER NOTE YOU SHOULD NOT HAVE TAKEN MY CHEQUE AND ISSUED ME THE POLICY.

PLEASE NOTE THAT I GAVE YOU THE CHEQUE ON THE BASIS OF COVER NOTE ISSUED AND NOT ON THE POLICY WHICH YOU HAD SEND ME LATER .

THIS IS A CLEAR CASE OF MISTRUST AND CHEATING /FORGERY BY HDFC ERGO AND ITS AGENTS .


NOW IF WE TALK OF THE ACCIDENT . BMW IS A REPUTED BRAND AND HAS A COMPLETE TECHNICAL RESEARCH TEAM .

THE CARS OF BMW ARE DESIGNED IN SUCH A WAY THAT THERE MAY BE A MINIMUM LOSS TO THE OCCUPANT/DRIVER AND CAR .

THE SUSPENSION IS DESIGNED AND HENCE THESE CARS ARE WORLD NO 1 ON SAFETY TERMS.

MR ARORA YOUR SURVEYOR FEELS THAT THE CARS BMW/ AUDI ARE NO GOOD FOR INDIAN ROADS( KINDLY SEND HIS SUGGESTION AND OPINION TO BMW /AUDI )

IN MY CASE THE VEHICLE TYRE AND RIMS WERE DAMAGED DUE TO THE IMPACT AND IF ANY ALLLOY RIM CAN BE BEND AS IT HAS BEEN CHECKED BY YOUR REPUTED SURVEYOR MR ARORA , I AM SURPRISED THAT STILL HE FEELS ITS NOT AN ACCIDENT .
HE FEELS THAT I PURPOSELY MADE MY CAR GO IN TO PIT AND DAMAGED BOTH MY TYRES AND RIMS , PLEASE NOTE THAT I HAVE PICTURES OF BOTH THE RIMS AND TYRES AND THE TYRES ARE CUT FROM THE IMPACT WHERE RIM ARE BEND.

MR ARORA FEELS THAT ACCIDENT IS ONE IN WHICH FEW PEOPLE DIE, SOME ARE HOSPITALISED, DRIVER RUNS, AND THERE SHOULD BE LOT OF LOSS TO THE VEHICLE AND DRIVERS BLOOD SHOULD BE SPILLED ALL OVER THE CAR, THE DRIVER SHOULD BE CRITICAL
and OFFCOURSE THE INSURANCE COMPANY SHOULD PAY A HANDSOME AMOUNT OF CLAIM .

MY SUGGESTION IS THAT YOU KINDLY RECONSIDER YOUR DECISION AND REVERT BACK WITH YOUR TECHNICAL TEAM SURVEYING THE SITE OF ACCIDENT . AND LOSS AND KEEP THE REPUTATION OF YOUR COMPANY .

DISAPPOINTED .amit jolly

Dear Sir,

I deposited a cheque No: 154678 for Rs 12000 drawn on SBI bank dated 6th June 13 in HDFC bank, Dilshad Garden, Delhi Branch. But after a week, I got to know from Bank that they have lost my cheque and are unable to locate it. I want to complaint against the bank for loosing my cheque and they have not been able to trace it till date.

I request you to book a complaint against the bank and resolve it....

Hello,

I invested Rs.150, 000 over that last three years on "Sar Utha Ke Jiyo" policy with HDFC SL and the value just kept diminishing. According to the HDFC SL team the current value of the policy is appx Rs.123000. I was informed to pay 30% towards surrender charges for en-cashing the policy if I do not pay the premium amount for the coming 2 years.

I am confused and unable to decide, where to invest...

I have send the all document in pf withdrawal in dec 2012 but till date no any amount credit in my acciunt.bcoz hdfc bank Hr department not send any document to bandra office.and no any support for withdrawal.i cal his office i will check and phone is cut.no any responce for quiry.my emp ld is 52835 hdfc bank.request u to solve my problem.

I'm holding HDFC debit n credit card, to pay my mobile bills or to purchase online, every time the payment I try to made through debit will be decline by bank. But if I pay through the credit card immediately it'll be paid. Even if I choose to pay using net banking I get message like bank decline the payment. I raised it as compliant but they 're saying your account is fine n every [censored] things are fine. They're indirectly pushing everyone to use their credit card. WORST BANKING SERVICE .. HDFC BANK..

namaskar shriman g mere pass ek DIn phoNE aye tha insurance solution DEpartment Se jinhoNE mujhe phoNE per btya Ki wo log meri problem Dur karenge saalo NE uSe Dur karNE ke bajay mujhe bewakoof bana Ker policy DE DI kripa kar ke mujhe mera paisa wapas DIlwa DIjiye
aapKi ati kripa hogi

On Dated 10/04/2013 I purchased a mobile phone from Spice Hot Spot outlet. When i purchased this phone then processing fee was Rs 299/- and when i got statement slip on 23/05/2013 it has been charged Rs 900/-. There was a difference of Rs 600/- in that slip. So pleae find the attached scan copy of processing fee slip which i got on that day. Although i paid that amount but i want to remburse that so help me to remburse my extra amount.

I had changed the renew instruction(that credit back the whole amount) last month.-two fd’s linked to my saving account cust no. 34066408
But i had gone to one branch in Bangalore,indiranagar
They says your FD has been auto renewed.
But my FD is not seen in my netbanking account.

I will raise a complaint in consumer court.
I needed that money.
They don’t know anything about banking and customer relationship, Indiranagar Branch Bangalore




For this thing I wasted my whole day at that branch.
Later they told its been auto renewed….do they use some their own database ?

They didn’t got back with any solution also, as informed by them that they will.

Please tell them to be ready with checkDD so that I can collect the maturity amount without they wasting my time.

HDFC Bank:

12th Main Rd, Indira Nagar Bangalore, KA

I have been using HDFC credit cards for nearly 2 years now. I have always paid my dues on date with full amount. Last month I used my credit card to pay vodafone bill. I was not aware that my available credit limit is almost nil. I thought i still had credit limit to be used. I didn't get any notification or alert from HDFC while paying or at anytime. Now suddenly they have charged amount of Rs.561 as "Overlimit Fee". My questions are

1) How do you let me pay the bills when my available credit limit exceeds?
2) Why didn't you give any alerts or notifications regarding overlimit during usage of card?
3) When enquired regarding the same to HDFC customer support, i am not getting correct response. They say they wont provide any such alerts to any cutomers. Is this the way you answer and treat you customer? Is this how you provide customer support?

It seems like HDFC don’t value their customers.
Worst approach….

Hi All,

I am holding two separate policies from HDFC Life Insurance since last 5 years. Overall I decided to surrender one of the policies, regarding the same I had called HDFC customer care help line and my life entered in a terrible situation here on.

Customer Care Executive asked me to visit a branch with my ID proof and a cancelled cheque, on June 29th (Saturday Morning around 10.30am) I visited HDFC life, Ashok Vihar, Delhi branch to process the surrender document. There I met with Ms. Neetu Saxena, she confirmed me that I need to carry my policy document along with a beneficiary's valid ID proof. So I decided to visit another branch of HDFC Life at Bhikaji Kama on Monday (July 1st) which is closed to my office then she handed over me two surrender form which I need to get signed from the beneficiary.

On Monday (July 1st), I visited Bhikaji Kama branch and came to know that they are not eligible to take policy surrender request. They advised me to visit one of the mentioned branches at Pachim Vihar, New Friend Colony or Ashok Vihar branch to submit these documents. Then I called up Ms. Neetu Saxena at Ashok Vihar, branch, she asked me to Ashok Vihar branch latest by 05.30pm on the same day to process the documents. Then I left my office little early and reached the Ashok Vihar, branch to meet Ms. Neetu, I was there around 05.10pm. Except the security guard no one was there to deal with not even the branch manager. Then I requested security guard to call up Ms. Neetu and inform that I am here to meet her or let me talk to her which Ms. Neetu clearly refuse to talk and asked guard to inform me to come tomorrow morning. Regarding the same issue I again called up HDFC life customer care to inform about the service of this branch, after my 15 minutes fight he logged my complaint (complaint no.[protected] at 05.45pm against the branch and after that I left for the day.

Today morning (July 2nd) I decided to go my office late and reached the HDFC Life, Ashok Vihar, branch at 09.25am. Again no one was in the branch except a security guard and waited till 09.45am. since I was getting late for my office I asked security guard to check with Ms. Neetu, if she is on her way which he refused to call after all this I called up customer care help line number to check the office timings, they confirmed that Monday to Friday it's 09.30am to 05.30pm then I said it's been around 09.50am and no one is here to take my document for policy surrender. She (customer care executive) said Ashok Vihar branch, is not eligible to take the surrender applications, then I asked her to transfer my call to the manager but she didn't. Meanwhile a lady came to the branch (don't know her name) it was around 10am and then she asked security guard to check if Ms. Neetu is on her way. Then finally she (Ms. Neetu) arrived and processed my papers for policy surrender after all I wanted to meet Mr. Vinit Vashisth (Branch Manager, HDFC Life, Ashok Vihar, Branch) to give my feedback but it was more shocking that it was around 10.15am when I asked security guard to check if branch manager is here and he said "sir has not arrived yet".

I don't know what will happen to HDFC life with this kind of services and unsystematic offices, now I am thinking to surrender my second policy also ASAP.

Intent of this complaint is clear and crystal to draw this feedback to the higher authority of HDFC to take the necessary action against the branch to maintain a quality of the service.

Thanks
Rakesh Kumar
[protected]

Dear Concerned person,

This side Dinkar Chawla (Customer ID:[protected] , would feel really shame to bring in your kind notice that a bank with such a big brand name HDFC was doing such a cheap activity like subtracting amount of Rs 28 from my account without any intimation or reason. And this thing happen 5 times on 10/06/2013 .

When we trying to coordinate with your customer care team and looking for reason so lady at customer care gave a reason that this deduction was made for using your card at ATM without having money in account and when we told her that we have more than Rs 8000 in account then after putting the call on hold finally disconnect the line and 2nd time they put our call on hold for 10 minutes. But till now i am unable to know any valid reason for that continuous deduction of Rs 2, Rs 28 Rs 8 & many more.

So i was looking for a revert on my query from the concerned authorities.

HDFC Bank,

I didnt expected such cheating thing from you, for what reason you deducted my rs.178.20 from my account i dnt know, I was having a balance of rs. 487.22, and when i withdrawed rs. 100 i got it, but when i checked the receipt it says nw left balance is rs.209, when i took mini statement it shows some AFM D 178.20, can u please explain me for what I have been charged? I tried calling customer care but my call is not getting connected to them. I expect a quick reply from you. Please help me out. u can reach me at[protected]Shweta.

I have defaulted in payment for one month and I agree. The days has not been kind. I am trying to setup my own startup, and things like these happen.

However, HDFC Credit card collection team has been using abusive language and blackmailing my parents to pay the balance amount. Their head my Amit Raj, calls me from this number [protected]. He and his team has been calling my parents and blackmailing them, and using abusive language to them as well.

As I understand, it is illegal to even mention the balance amount to anyone else but me. Leave apart, asking them to pay my balance.

I have been requesting Mr. Amit to stop the calls to my parents, and have mentioned that I am ready for a settlement. He said, he will get back to me with the final figure but he has not. Instead he and his team is continuing harassing my parent. I stay in a different town, and hence not able to help much.

This is not acceptable. What can I do?

NOC
I have taken Centurion Bank Loan from my two wheeler Hero Honda splendor in 2006 and the loan is already completed. I have not received any information from the Bank regarding collection of my original NOC. How i get my NOC.

Bike No.- AP15AC3525
Chassis Number : 06B09C00815
Engine Number: 06B08M01367

Thanks
RAMCHENDRAM.P
Mobile No. [protected]
[protected]@gmail.com

Dear All,

Please help me to resolve this issue. I am very afraid as HDFC Card department are harassing me continuously from around 2-3 months. They are saying that they have logged a complain against me in court and they have issued a arrest order for me.

Below is the complete issue
[protected][protected][protected]
I lost my wallet in Noida around @ 9 PM on the date of 30april2008...