HDFC Bank Complaints & Reviews

I had surrendered two HDFC Life policies on 29th April. For one policy the surrender value payout happened in time withing 6 working days as promised by HDFC. For the second policy[protected] where the payout amount was high the payout did not happen even after 8 days. When tried to reach HDFC life through their support email id, call center -- They told me that the payout is on Hold and they will solve the issue in 14 working days. There was no reason given for putting the payout on Hold.

This is really frustating and they have also stopped responding to my queries on their customer support email [protected]@hdfclife.com. I see this as a pure case of withholding the payout to customer purposfully. Still I have not receive the payout and also I expect a compensation for this delay from HDFC. None of their escalation matrix contact point is approachable.

If anyone can help here will really appreciate.

Regards
Rahul

Dear Sir/Mam

I Ankur Pandey worked in ur orgnisation in Allahabad location in HDFC Banks credit division my details are below ;
Name - Ankur Pandey
S/o- Ashok Kumar Pandey
add.-281' Bahadurganj Allahabad

Kindly send me my no objection certificate on my id ankur.[protected]@gmail.com

Regards
Ankur Pandey
[protected]

NO REPLY. about the amount credited after closure.

My request to HDFC life:-

Sub: Request for closure statement with details of amount forfeited/deducted
Ref: HDFC life pension champaion paid-up Policy No. 13624447


I have surrendered a paid-up HDFC pension champion policy No. 13624447 on 23/04/2013 for closure.
During the fourth year of the policy.

The policy was paid up of 3 annual premiums of Rs.ONE LAKH each annually before due dates 15/4/2010, 15/4/2011 and 15/4/2012. )
(A total amount of Rs.Three Lakhs only)

On 30/04/2013 an amount of Rs.195271.52 (Rupees one lakh ninetyfive thousand two hundred and seventy one and paise fifty two only) was found credited to my HDFC SB account towards the final settlement.

I have not yet received any statements/details for the amount so credited to my account and the details of deduction of Rs.98,507.75

Interim statement of the policy on the date of application for closure ( ie.on 23/04/2013) shows Total value of the plan as Rs.2,93,779.27

I request to give me a statement of the the Details of the difference of amount of Rs.98,507.75 deducted
( 2,93,779.27-1,95,271.52 = 98,507.75)

Thanking you

harindranathan purameri
[protected][protected][protected][protected][protected][protected][protected]---...⇄
Details of the policy are :
Cliant ID 56444656
Policy No. 13624447
Name Of Life Assured : Harindranathan purameri
Date of Birth : 31/01/1951
Phone (Res) : [protected]
Name Of Beneficiary : Pushapalatha
Mobile : [protected]
Email Id : [protected]@ymail.com
Policy No. : 13624447

Complaints; : Request details of payment Rs.[protected] dated 30/4/2013 thru my SB account, for the pension champion policy paid up 3 annual premium of Rs.1 Lakh annualy.
Total amount paid-up : Rs. 3,00,000.00( 3 annual premium of Rs.1 Lakh annually during
April 2010, April2011, and April 2012)

Indraprastha, Netaji cross,
R M Nagar post office road, Dooravani nagar,
BANGALORE 560016
mob: [protected]
Policy No. 13624447

I have applied for hdfc credit card long back, I got a reference number #[protected]S2 on 13th of April. I got one more message on the same day saying that 'your credit card is approved in principle and final status will be communicated shortly'. Still I have not received my credit card, when I check online with my ref number, it says 'in process'. This is totally unacceptable.


Regards,
Manoj
[protected]

DEAR,

My name is in cibil. Bike named herohonda passion was financed on my name from centurion bank . The centurion bank was closed and taken over was done by HDFC.. I gave my documents and amount was deducted from ecs. After that my company changed and location was also changed . I told my friend who used my documents to pay regularly. But after 2 -3 yrs i came to know he didnot pay and warrant was issued on my name for defaulting....

Hi,

I have a salary account with HDFC customer ID is 45440145. I had Rs.4070 yesterday[protected] morning and suddenly it came down to Rs.0.00 I don’t know how HDFC is cheating people. No transaction has been found after that but balance got deducted without my knowledge. Previously I had the same problem with HDFC so I have closed my old account. I am travelling from Chennai to Salem. I got struck up in half of the way now without money. Without my knowledge for what the reason HDFC has deducted my money. I will go to Bank ombudsman complaint if you will not credit back my money immediately. Please credit my money immediately and close my salary account and RD account.

If you people have hold my funds against my credit card you should have communicate with me through Call, SMS or E-mail before deducting it.

Can anyone please help me to file a complaint against HDFC? Because already I lost unwantedly 10,000 in my old account and no one telling correct reason so I want to take this too. Please help me on filing a Bank ombudsman complaint.

Frustrated Customer,
Madhesh C

Hi

I have credit card with HDFC Bank by the name Anurag Singh Thakur.I had bought a celphone from flipkart and the order was cancelled .As of now I have not got my refund after 10 days and when i call HDFC Bank,they ask me to call merchand and viceversa.

The HDFC people can easily sought out the issue by taking it into dispute and resolve but they seem not bothered at all.
Kindly help
Anurag [protected]
[protected]@gmail.com

Dear Sir / Ma'am,

I have applied for personal loan with HDFC bank (Ref No[protected], despite being creditworthy, loan is rejected on the ground that i work in an LLP. Executives say that bank has policy not to grant loan to employees of partnership firms. I request you to ask appropriate level officer of bank to decide whether an LLP should be treated on par with partnership firm.

Even Companies Act provides that LLP be treated on par with a body corporate.

I work for LLP, its a tax consultancy (having CAs), and wing of Pvt Ltd (law firm having lawyers). Just because my company preferred my enrollment in LLP i cant be debarred from benefits which my counterparts can get. its with administrative convenience that employees are enrolled either in LLP / Pvt co.

Please put forward two of my queries before appropriate authority of bank

1 Can LLP be treated on par with Partnership firm.

2 Cant banks assess creditworthiness more efficiently rather than going by thumb rules that employees of partnership firms (even LLP) are not worthy to get loans!

In our country, Chartered Accountants are debarred from forming private limited / limited companies. going by this thumb rule no CA in our country having self practice or working in firm shall ever be eligible for personal loan irrespective of his actual creditworthiness! What a pity on bank's ability to judge creditworthiness of Indian citizens.

Because my corporate salary account is in HDFC, and it has declined my personal loan application, no other bank gives me personal loan. This forces the needee to resort to unorganised sector where ppl lend at sky high interest rates, thanks to illogical thumb rules of so called professionally maintained BIG BANKS!

Please do the needful

Thank you very much,

Regards,
Ankit Tiwari.

Dear Sir / Madam,

My credit card current balance is showing negative since last 30 days -14,762.59 even though i made a payment 16,113 it was returned by HDFC as DD even though i did not request any DD from them , they have sent DD with name DEVA KISHORE only when i deposited DD in my bank (standard charted bank) they rejected the DD saying DEVA KISHORE THELAPALLI is my name as per their records and DD has only DEVA KISHORE. I called up HDFC Customer care nearly more than 100 times wasting lot of phone balance...but no one is responding properly about the DD. One customer guy said they have placed a request to cancel that DD and deposit that amount in my account itself but that did not happen. When i call them again and again they say we will get back to you but no one calls me back on this issue. I Cant use that DD because my full name is DEVA KISHORE THELAPALLI , and what ever documents i submitted to HDFC bank during my account opening also has DEVA KISHORE THELAPALLI it is completely their mistake to ignore my last name in their account. Now from last month i am worried the 15,963 Ruppess DD HDFC bank says we have issued the DD we cant do anything more. One guy says write a letter to their for name correction and they will send me another DD . I Dont understand why i should write a letter after all this mess created by them for ignoring my last name.

I Request you to please take action on this complaint.

Also after so many number of calls made by me , In my last call they gave me HDFC Complaint number :[protected] , the complaint is not resolved yet by the bank they told they told they are taking it as a urgent complaint and will resolve in 1 day but its already 4 days.

Thanks,
Deva Kishore.T

My father is holding a Platinum Plus credit card on his name issued from HDFC BANK, card was issued in Feb 2012 and we were charged Rs. 448/- against membership charges and we were told that if you make purchases of 25000/- Rs. with in 3 months from the date of issue of card, the membership charges will be reversed in the 3rd bill, i swapped the card and made purchases of 28000/- Rs. but the membership charges were not reversed in the bill, From last one year i made complaints on the customer care 3 to 4 times, but the membership charges have not reversed till date, and no body at the customer care is giving the correct details regarding the reversal,

Request you to do the needful as soon as possible.

Thanks and rgds
Paramjeet singh
[protected]

below mention mail i send to HDFC BANK exactly what happen you will understand?

Dear Sir,

I Vinay Mittal, am holding HDFC Creit Card, Credit Card No [protected]. I have made the settlement of Rs 110,600 in lumpsum on 30th June, 2012. Everytime I would make the payment in cash to your executive as requested by your executive and i would receive a receipt against the amount paid. These receipts were stamped. I made a payment in cash on 13/03/2013 to your exeutive Mr Rahul Sinha, amount Rs 34000/-, Receipt no- F14923414 . I got a call from HDFC bank saying that they haven't received the payment and there is no one named Rahul Sinha in your bank and that i've been cheated. This is my hard earned money and I've been cheated. I've always dealt with HDFC bank because it is a reputed bank. I've lost my trust in Hdfc bank due to this fraud commited.

I've attached the scan copy of the same. Please find the attached file and kindly look into the matter on URGENT basis.

Kindly do the needful.

Regards,

Vinay Mittal
[protected]

Dear Sir,

my policy no is[protected]. i want to cancel my policy & refund Rs.12400/-. because, HDFC agent is wrong commitment with me. my name is not mention on the policy document. wrong name is mention on policy document and my duplicate sign is available on the policy document.

WE HAVE TWO POLICIES IN MY NAME AND IN THE NAME OF MY WIFE ( HDFC STANDARD LIFE SAVINGS ASSURANCE PLAN )ANNUAL PREMIUM RS.40,620/-EACH.DATE OF COMMENCEMENT OF THESE POLICIES ARE 24/09/2009 AND 25/11/2009.
THESE TWO POLICIES PROVIDE EXTREMELY POOR RETURNS AND WERE FORCED UPON US BY AGENT NAMED DIBYENDU MUKHERJEE IN CONNIVANCE WITH THE THEN RELATIONSHIP MANAGER AT SECTOR II BRANCH OF HDFC BANK AT SALT LAKE.
THE PREMIUM FOR THESE POLICIES HAVE BEEN PAID FOR THE LAST FOUR YEARS AND I HAVE INFORMED THEM IN WRITING THAT I AM NO MORE INTERESTED IN CONTINUING WITH THESE POLICIES WHICH GIVE SUCH POOR RETURNS,
I HAVE ASKED THEM TO CONVERT THESE POLICIES TO PAID UP POLICY WITH A REQUEST TO ACKNOWLEDGE THE SAME IN WRITING WITH THE FOLLOWING DETAILS.1.REDUCED SUM ASSURED.2.ATTACHED REVERSIONARY BONUS.3 APPROX AMOUNT TO BE RECEIVED AT THE END OF TERM.
I HAVE NOT RECEIVED ANY POSITIVE REPLY TO THESE QUERIES EXCEPT VAGUE ANSWERS LIKE THEY ARE UNABLE TO PRE ASSUME THE AMOUNT ON COMPLETION OF TERM
I AM THOROUGHLY FED UP AND DISGUSTED WITH HDFC LIFE.
POLICY NO:13167152 DT.24/09/2009 & 13283892 DT.25/11/2009.

Respected Lokpal sir,

I taken housing lone by hdfc bank in 1992. lone amount was 53,655/-only. i completed this lone with prepayment charges in 2002.
I deposited 2 polices as a security at that time of lone. one policy amount was 10,000/- and second policy amount was 30,000/-. than i completed my lone amount with prepayment. than they gave me one policy worth 10,000/- amount. and second policy not returned me worth rs- 30,000/- at that time. they said to me that your policy has missplaced by bank. than after they taken 2 vacant stamp paper worth 100 rupees with my signature for duplicate policy worth 30,000/-. and they written me that these stamp will not be wrong use. regularly bases i was going to bank 2002 to dec-2012, 10 years. in December 2012, they given me a bank letter for issue of duplicate copy of LIC policy. when i went in LIC office ajmer (rajasthan). when I found that the Bank have taken maturity claim in 2007. without my knowledge and other any information and without my permission. already bank taken my maturity claim 70,000/-
missing policy no.[protected]
maturity date - 05- dec- 2007

please resolve my comp lent

I was satisfied with HDFC Credit Cards services till couple of days back and I wrote a Query to them for Making my EMI.

I received reply on my first Email and received a URL from your side. As per that email I contacted Customer Support at[protected], Approx. 10 AM today (24th April 2013). I asked about EMI to Respective Customer Support Agent. I was asking about given below transaction:-


10/4/2013 -- Aggrawal Departmental Delhi I -- Rs. 2333.00
21/04/2013 -- Yatra Com Gurgaon In -- Rs. 7949.00
22/04/2013 -- Yatra Com Gurgaon In -- Rs. 877.00
Total -- Rs. 11159.00

She told me :- If I opt. EMI for 12 Months then I will get Monthly EMI of Rs. 1024.00 + Rs. 250 One time as Processing Fees for 12th Months EMI. That means Rs. 12288.00 in Easy EMI of 12 Months and Rs. 250.00 One time processing Fees.

After getting this reply from her I Opted the above mention offer.

After I opted above mention offer, she sent me One time 6 digits password and putted my call on IVR messages, Where I need put that One time password along with my Credit Card number. I did that twice but she replied, there is some technical problem which not letting her to do the same.

After that I requested her to do the same from her end, where she asked for my Permanent Account Number (PAN). Then she Replied me that My request has been recorded for 12 Months EMI option and we both disconnected the call on happy note.

Suddenly, I received a Automated Generated Text Message which clearly states that --- 1.39C/ nc.rate pm payble in 6EMIs. (That's Wrong done by her).

I was shocked after reading that Text Message and Contacted customer support again. The Second agent agreed that her colleague had done this 6th Months EMI on above mention Interest per month by mistake and Now she can't convert that into 12 Months EMI Scheme (Monthly EMI of Rs. 1024.00 + Rs. 250 One time as Processing Fees for 12th Months) opted from First Customer Executive.

In fact that Second Support agent has given me surety and requested me to write complaint/issue on customerservices.[protected]@hdfcbank.com, She told me that the higher authority have the authority to rectify the above mention mistake done by her fellow colleague representative.

I wrote them Co-operate me and rectify this issue from your end soon. Convert this 6 Months EMI to 12 Months EMI with above mention offer i.e. Monthly EMI of Rs. 1024.00 + Rs. 250 One time as Processing Fees for 12th Months offer which the First customer support agent has given me.

Its about 3 days now, But still not receive any Email or Phone from them. This shows that the kind of Services HDFC provide to the customers.

I am a retailer at mahableshwar. The famous hill station. Actually HDFC BANK located in satara 50 kms from mahableshwar. There officials visited me and offered me a ADSL machine for card acceptance at my shop. They offered me at Zero rental basis. Only the swiping charges were going to deduct from my account. Before i had an bad experience from the bank so i first cleared them about that and also discussed with them about if there are any hidden charges. But they told me clearly that there are no hidden charges and after opening the current account they will provide me with a machine without any charges. I agreed and also told them that we here have a seasonal business and so we will not afford to pay the rent and so we had rejected other banks offers. After installing the machine we had many problems in starting. The machine was installed in 2010. And everything was going ok. But last year again the bank officials from wai came to me. They told me that HDFC BANK has opened a new branch at WAI 30 kms from mahableshwar. They told me it will be conveineint for me to transact from wai instead of satara. I agreed and they opened a new account in wai branch. Actually it was possible to transfer my satara branch account to wai. But the bank officials did not do so. They opened a new account in wai branch. After that my ADSL machine was transfered to wai account. I told them to close my satara account. After some months after seeing my statement my noticed that i had been charged for the ADSL machine i am using for monthly. I called the wai branch and spoke with the person there he told me that he will look in the matter and inform me. But he did not. So i mailed the company. Then i received a call and my charges were reversed. This happened every month so i told the officials that pls stop harassing me and once for all pls complete the formalities and stop harassing me. Then a person from pune ADSL machine branch came and told me that your machine we are going to close and a new machine will be installed in three days which will be rental free. After that i communicated with the numbers i had provided they told me that you will be charged for the machine. Actually now my season starts and i do not get time to communicate and at this time the company has made a fraudelent behaviour with me. This behaviour of the company was not expected from this type of famous bank.

Sir I am holding ur card and as I had not given concent for any insurance of your company. Even then they are deducating the amount from my credit card. I do not want ur insurance and all the money dedicate should be refund to me and I had made complaint at customer care regarding this . I hope u would solve this issue at the earliest. My card no. Is [protected]

HDFC Life Pension Super Plus Plan was fraudulently sold to me by HDFC Bank officers Mr Puneet Trika and Mr Sameer Kapur attached to Court Road Branch Amritsar on 29 January 2013 Both of them got the form signed from me by explaining the features of HDFC Life Pension Super Plus Plan as that of an FDR. Moreover he convinced us to sign the form only on the grounds that the same will be debited one day later i.e 30 of January 2013 only after taking our consent telephonically else no investment will be madeThe features explained to me were as under:
1)It is one time investment similar to an FDR
2)At the end of five years we will receive the fund value plus an annual pension of Rs 40000/for lifetime and the basis of calculation of Rs 40000 is 8%of Rs 5 lacs which is invested by us .
3) In this plan Principal as well as the interest is secured like an FDR.

Within an hour after checking the plan online I came to know that it is a unit link plan in which principal will be adjusted against life time pension of some meagure amount and therefore it was intimated to both of them telephonically as well as personally by visiting the branch to return the signed application form since the terms and the conditions were not acceptable to us and we are not interested to invest in it. At that time it was also confirmed to us by Mr Puneet Trika that the funds are not invested and the policy is not issued and the signed application money will be returned back to me .Moreover he convinced us to sign the form only on the grounds that the same will be debited one day later i.e 30 of January 2013 only after taking our consent telephonically else no investment will be made .In the evening a torn application form was submitted to me at my residence by Mr Puneet along with Cams officer Mr Kartik confirming the cancellation of my request on the same day .On one hand they submitted a torned form to us and on the other hand they debited our account on the same day and issued the policy without our consent .Can you please justify the intension of those two HDFC bank officers who first explained false features of the policy to us to take our consent and got the form signed on the pretext that it will be submitted only after taking verbal confirmation from us one day after and when we intimated them on the same day that the request is to be cancelled they presented a fake torn application form before us confirming cancellation of the policy and thereafter debited our account and issued the policy?

When we received the policy on 06 Feburary 2013 we immediately contacted our RM Mr Punnet for explaining he reasons of issuing the policy when it was confirmed to us that the policy is cancelled .He accepted that the policy is issued without our consent and therefore he will get it cancelled very shortly .He convinced us that we should not raise any complaint since he has already lodged a complaint in his internal software for cancellation of the policy since it is issued by mistake . When it was questioned that the premium payment term mentioned is of 15 years whereas it was adviced to us that only one time investment would be made it was informed to us that as per IRDA guidelines all policies issued today have premium paying period of 15 years and any time if you donot want to pay the annual installment you are required to fill the discontinuance form and submit it to HDFC life and after deduction of charges of Rs 2000/it will be converted to a single pay plan . Thereafter the freelook period also lapsed since it was intimated to us that the cancellation of the policy has been initiated at his end .After consistently following up with him for the whole month I visited HDFC Life office at Mall Road Amritsar to confirm the status of the request raised by HDFCBank where Mr Tarun Behl informed me that any policy can be cancelled only if the customer signs the freelook form within 15 days and adviced me to raise a grievance .
Thereafter I raised a grievance in writing in HDFC Life dated[protected] for refund of my funds and cancellation of the policy on the following grounds:
1) Policy sold by fraudulent means
2) Policy features explained were that of an FDR
3) It was confirmed on the same day by HDFC Bank Officer MR Puneet Trika that no investment is made but still funds were invested
4) On receipt of the policy paper we again contacted Mr Puneet Trika for cancellation of the policy ,they said it is under process but nothing is being done till date
5)It was confirmed that it is a sinle premium plan but actually the premium paying term is 15 years .
I had also filed complaints in HDFC bank as per details below
1) Complaint No: MOSCO[protected] dated 25/02/2013 via phone banking
2) Complaint No : MOSCO[protected] dated 16/03/2013 via phone banking
3) Mail send to grievance .[protected]@hdfcbank.com on 28 March 2013
4) Mail sent to [protected]@hdfcbank.com on 28 March 2013 Ref no. PNO[protected]VA
5) Again Verbal Complaint done telephonically on 04 March 2013 to Nodal Officer Mr Ratan Kumar at contact no[protected] Ref no. 37271/12-13/15/37
6) Verbal complaint again send to Nodal Officer Mr Ratan Kumar at contact no[protected]on 17 april 2013 (reopening of the same case)
7) Verbal complaint again done to Nodal officer Mr Ratan Kumar at contact no[protected]on 23 April 2013
8) Mail sent to [protected]@hdfcbank.com on 16 April 2013 having Ref.No.PNO[protected]VA/PNO[protected]LV

But my request is denied firstly without taking any clarification from me .Whatever is intimated by the staff is accepted as a clarification and they are portraying a wrong picture before the grievance cell .I request you to take both parties in conference call before arriving at any verdit this time.
As per revert received from grievance .redressal @hdfcbank.com dated 28 March 2013 against my mail dated 25 march 2013 it was adviced to me (copy attached )that the features were explained to me in the presence of my husband and the features were again explained to me in the late evening hours whereas it doesnot confirm that the features explained to me were correct .Moreover in the late evening hours no features were actually explained but it was confirmed that the request stands cancelled and even the mutilated application form was returned to us .Denial of the request on the basis that the application form is signed by me and I have not contacted HDFC life within freelook period is is not at all satisfactory since it is not considered that under what circumstances and wrong commitments the form is signed and freelook facility not availed .I am definitely educated enough to understand the terms and conditions but I always acted on the advice of my RM to cancel the policy since he adviced me that he has already initiated the cancellation of the policy and the refund process is under process.

Request you to provide justice to us and our innocence since my only fault is trusting your employees at each and every stage .Request you to refund my funds back( Rs 5 Lakhs) since this is my hard earned money which I have kept for my old age and I have no more funds to invest next ltime which will lapse all my funds invested till date. All the terms explained to me were false
Looking forward from a positive response from your side
Regards
kiran Taneja
Policy no. 15774731

Sir,
REMOVAL FROM CIBIL ; PAN NO. ARCPP3583A, DOB: 20/01/1970

It is regretted to note that my name is inadvertently appears in CIBIL, though I do not have any outstanding in any bank. Also, it may be noted that the old PLs from Fullerton India Ltd and HDFC Bank, had been prematurely closed and full amount dues paid by us in lump sum, some four=five years back and had obtained NO DUES letter.
This matter now came to us as was advised by Mr. Saurav, Branch Manager, HDFC Bank, Ashram Road, Ahmedabad, as our Personal Loan application has been declined/rejected, as per their oral intimation. So Mr. Sauravbhai only had advised me to write to you for removal of my name from CIBIL with immediate effect.

Pls do the needful and oblige us as early as possible to avoid unnecessary further troubles to us
Kindly treat this as most urgent.

Regards,
Valsala S Pillai
Dishman Pharmaceuticals & Chemicals Ltd,
Ahmedabad

hello
this is Akshay sharma from Delhi. on last thursday 18 aprail 2013, i was withdrawling money from hdfc bank atm using my SBI debit card. my card was retained by atm machine.ATM machine location is H 33,SECTOR 63,NOIDA and the ATM id is 1050. i have launched complains in coustmer care center of hdfc bank but everytime when i get back to them,they told me that my complaint number is wrong. i also contacted to the nearest branch of hdfc which is A1/12 NOIDA sector 63.branch manager was saying that my card would not come to there while the process says that if such kind of incident happens then atm card is dispatched to the nearset branch. my card was retained at 11:30 am on 18/04/2013.its been five days i did not get my card. your bank is not giving me proper response.also i am a coustmer of hdfc bank so i am not expecting such kind of misbehaviour. i would like to you to speak with the branch manager of the bank. and help me to get back my card as soon as possible.it was not a branch atm it was an atm center which is located in my office addressed to H33,sector 63,NOIDA 201301.
kindly do the needful