HDFC Bank Complaints & Reviews

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.Â

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".Â

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.Â

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         Â
[protected]
Indrajit Chakraborty; Ph.D
M: [protected]

I had requested for a cheque book a few days back which I received in burnt and torn condition. I registered a complaint 4 days back and they say it will take anoth 4 working days to revert. God only knows when will a replaced cheque book come.

I need to make a payment by cheque only but I cant because of the great condition of the cheque book. Who now is going to bear the financial consequences for the delay in payment because of this.

I had brought a apartment through HDFC reality of Sasthamangalm branch, Trivandrum , Kerala. On 9-Jun-2012 I have paid amount of 12,500 as brokerage to HDFC. But they didn't give me the receipt. Saying like they will make arrangement to get receipt to my office. Amount is being collected by a person called Sanjay.

Later I had a felling like, he is fooling me. Then I started mailing him asking the same, but no reply. I did mail to hdfc mail id only.

Next I did manage to get some email id of higher authority. email ids are [protected]@hdfc.com, Sachin A G <[protected]@hdfcrealty.com>, Smijith Girijan <[protected]@hdfcrealty.com>. And terribly they replied after a long ONE month, saying sorry and to get more details, like the deal details. I passed on those to them, now it is about 4-5 month, and no response.

I am not asking the money back. But I want the receipt for money I paid. Is there a way to get the receipt or else let them refund.

SALES CALLS are Daily Routine but CUSTOMER SERVICE takes the back SEAT ....... HDFC was not known for this WHY HDFC is becoming ICICI Bank ...... ?

Is this the Customer Service that is expected out of a No. 2 Private Bank in India ????????

Really SAD that there has been no call no response from any of the executive or any e-mail wherein My problem remains the same ....
The Support function to the customer...

2ND COMPLAINT


MERA NAAM BHARAT SAMNANI HAI. AUR MERA HDFC BANK ME ACCOUNT HAIN ACCOUNT NO. [protected] MUJHE HDFC BANK KI COMPLAINT KARNI HAI HDFC BANK APNE HISAB SE KOI BHI CHARGES DEDUCT KARTI HAI BINA BATAYE. DATED 03/06/2013 KO MERE ACCOUNT SE RS. 112.36 DEDUCT KAR LIYE. DTD. 09/05/2013 KO RS. 393.26 DEDUCT KAR LIYE. DTD. 05/06/2013 KO RS. 280.90 PHIR JUB MAINE CUSTOMER CENTRE ME PHONE KIYA TO KOI BHI THIK SA RESPONSE NAHI MIL RAHA

AUR SAATH ME MERA ACCOUNT STATEMENT BHI ATTACHED HAI AAP DEKHIYE MAINE KITNA CASH DEPOSIT KIYA HAIN.

JAB TAK ACCOUNT NAHI HOTA TAB TAK TO DIN ME 50 PHONE KARTE HAIN SIR ACCOUNT KHULWA LO.

AUR JAB ACCOUNT KHULWATE HAIN TO CHARGES DEUDUCT KARTE HAIN. BINA KUCH BATAYE. KYA HUM HDFC KE CHARGES BHARNE KE LIYE KAMATE HAIN KYA.


ISLIYE MAIN YE COMPLAINT HDFC BANK KE AGASINT LIKH RAHA HOON.

YA TO HDFC BANK MERE SAARE CHARGERS RETURN KARE YA TO ACCOUNT CLOSE KARE.

PLEASE SOLVE THE PROBLEM IMMEDIATELY.


THANKS & REGARDS



BAHRAT C SAMNANI
+[protected]

Hi Team,

This is to inform you that HDFC has done fraud on me and made changes in my identity proof to provide me a Credit card without informing me. HDFC bank employee has submitted false proofs of my d.o.b to get his credit card targets achieve and provided me a Credit Card but with wrong Date of Birth proof.Now im facing lots of issue due to this as I'm not eligible for any kind of bank offers and credit money.

Regards
Ajay Thapa

Dear Sir,

I have an account with the bank in their Mulund Branch.

I have transaction of Rs. 24,750/- per month from the account for the EMI for the same bank for the Auto Loan.

In spite of the same, the bank deducts the minimum balance charges every month for the last several months.
In spite of the reminders on the mail they are not stopping the deductions automatically and now have even replied me about not being able to help unless I give them my Consumer Number.

The consumer number identification is something which is used for my Internet Banking and I am reluctant to share the same due to security reasons.

Request your help in the matter.

Request you to take up the matter with the concerned and help me.

Rgrds,
Ganesh Chaudhari

Request for waiver of Credit Card Annual Charges
Request for waiver of Credit Card Annual Charges
Re: Request for waiver of Credit Card Annual Charges of Rs. 335.96/-

Dear Sir,


I have received the Credit Card No....[protected]. and received a bill for making credit card charges which was not informed to me while signing the For m for New credit card. The representative (Dt:30/03/2013) informed me there is no charge for making the new Credit card and this life time free card. Now you have charged me of Rs. 335.96/- towards annual charges for the same. Therefore, I request you to please waive the same so that I can start to continue using the same. Hoping favourable response.
I have raised repeated complaints with card your So called customer care, but there were of no help. My complaint numbers and Date are 24/04/2013 [protected], 08/05/2013 [protected], 21/05/2013 [protected]
Thanks/Regards,

Devender Khanna,
Address: C-7/75, Keshav Puram Delhi-110035.
Mobile No: [protected]

Hi,

This is Sambid Kumar Das(Age-25) working as an Engineer at Nokia Siemens Networks,Asansol. Basically I belong to Khurda,Odisha,Pin-752055. In the month of January,2013 I got a call from HDFC life,Kolkata branch regarding a policy named as Sampurn Samridhi plan. On that policy I was described verbally by the agent to pay 125000/- in 5 years(25000/- each year) and after the completion of 6th years I will get bank an amount of 2 lakh and 8 thousand along with some Tax and Medical benifit.

Being interested on this policy I put a check of 12500/- for 6 months on the date of 15th January 2013. At that time I was ensured to get all my documents of policy with in 15 days i.e in 2nd week of feb-2013. But I did not get any policy document till the end of February month. I used to take regular follow up during this time. But every time the agent was saying "It is still under process." After some days the agent did not pick up my call. So raise a complain at HDFC LIFE and at that time I got to know the policy bond had already been delivered to another address at Orissa which is not mine, on the date 5th feb-2013. So I requested at my nearest branch to provide me a duplicate policy bond. Today I got my policy bond having POLICY NO[protected]. Inside the bond I found the plan is completely different from the plan which was described me before.

The address which is written in the bond is not my address and also not a valid address because in the address only District and State name and Pin number is mentioned.
So How can a document be delivered to a address in which nothing is mentioned(Neither house no., nor Street no not even any land mark.). And inside the document the Signature is not mine and the phone number is not also.

So I went to the branch to cancel my policy and want my money back. But now they are saying the policy can not be canceled as original document is delivered on the month February and free look up time which ,is 15 days of the delivery, is over. But the fact is I did not get the original Bond and got the duplicate one today.

So it is completely cheating. I am requesting you to look in to this matter and help me.

I am attaching my policy receipt and plan details which was initially given to me in the of Jan-2013 . Pls look into this case and get back to me ASAP



Regards
Sambid Kumar Das
[protected]
[protected]@gmail.com

Hi, I am applied for hdfc loan and I got confirmation message on 20th May 2013 the very next day executive came and verified my present address and even verification happened at my office also through phone calls .
After 2 days I called executive to whom i have submitted my documents to ask about my loan status he told bank people were busy for the last 2 days so i will get message by today evening but i dint get it so i keep on calling every day he used to tell me same thing after that he gave me one bank coordinator number who is handling my file But that bank coordinator also dint pick the call .
after waiting for a week executive who took my documents told me tat i am staying in negative area but I confirmed tat I am staying in Malakpet Not in chanchalguda and again I even submitted my fresh residence proof from my office then also they rejected because i am staying near to chanchalguda.
But I am staying in Malakpet. I need loan for my family purpose Please help me for approval of loan.

Hi All,

3 months back I had applied for cancellation of HDFC Bank - Titanium International Credit Card by calling customer care number and that was the mistake which I did. I was given with incorrect information that, it would be processed and I would need to pay the full due amount once I get a call from other department. However I had not recieved any call from either from cancellation department and I had to urgently go out of country for 3 months .I had made the payment for minimum due amount but I was late since it took time to transfer amount to India.

I was surprised when I came back to India to see that my card was not cancelled and on the other hand I was charged late payment fees for 3 months irrespecitve of my request for cancellation of the card.

I was shocked when I called customer care number to know the status and got to know that I need to submit a letter with my signature in HDFC Bank. When I mentioned about the information provided earlier then I got a response that, We are sorry that you got a wrong information from them and late payment fees cannot be reversed. I am so disappointed with this response from them.

Saddest part is that, I had asked for solution and the reply which I recieved is 'Standard' email from them.

I request you not to opt for credit card from HDFC Bank.

You can contact me on [protected] for additional information.

Thanks.

Dear Sir,

Agar koe Customer aap k yaha say Credit Card ke suvedha leta hai or timely payement karney k baad NOC lena bhool jata hai ya kuch amount time par payment nahe karpata hai to HDFC Bank uskey Family Members ko phone laga kar gaaleya deyge kya......

Mey ye Complaint apne Brother k behalf par kar rahe hu......Mery Brother AKSHAY SINGH KUSHWAH jisney HDFC Bank ka Credit Card 2008 mey leya tha,,,par Family Problem hone ke wajah say or uska bhut bure tarah say accident ho jane ke wajah say usney kuch amount (9400/-) HDFC Bank ko nahe pay kar paya...to kya aap k collection agency waley-

1),AKSHAY SINGH KUSHWAH ke sister AMRITA SINGH KUSHWAH ko phone laga kar gaaliya dengey kya....

2)AMRITA SINGH KUSHWAH jo ke Indore mey last 5 year say rah rahe hai or Job kar rahe hai to unkey Ex. Office mey unkey Top Class Employee-

a)MR.MAYANK NEEMA((Regional Head, Distributor Services, M.P. & Vidharbh Region. at CAMS in INDORE)

b)AZEEM TARIQ KHAN (MBA,LLB,CS in GOLD STAR COMPANY IN BHOPAL)

c) AASHISH AGRAWAL(Senior ACCOUNT MANAGER in INDORE)

d) MR.NEELISH RATHI (MARKETING DIRECTOR of AMRAPALI Group INDORE)

ko phone laga kar AMRITA SINGH KUSHWAH k character k barey mey ulta seedha keh kar badnaam karengey..

3)AMRITA SINGH KUSHWAH k jitney bhe sarey contact hai unko phone laga kar yahe kahengey ke AKSHAY SINGH KUSHWAH or jis person ko call lagate hai un dono ney mel kar HDFC BANK k sath FRAUD keya hai.....

YE sabhe n maaf karney wale harkatey aap k collection agency k employee MR. AAKASH SHARMA jo ke delhi mey beythey hai,,unhone kare hai or vo maaf karney layak nahe hai....

Agar aap k customer MR.AKASHAY SINGH KUSHWAH ney HDFC BANK k sath fraud keya hai to HDFC BANK Court ka sahara ku nahe ley rahe hai,,,, Customer ko legal notice ku bnahe bhej rahe hai....ye sab baate aap k employee MR. AAKASH SHARMA ([protected])say hum boltey hai to vo boltey hai ke hum legal notice nahe bhejengey.....

Jab MR.AAKASH SHARMA ko customer MR.AKASHAY SINGH KUSHWAH ka address pata hai to waha jakar amount jo pending hai vo collect ku nahe karte hai,,,,akar aap log itney sahe hai to LEGALLY query solve ku nahe kartey....

agar aap ney MR.AAKASH SHARMA ko punish nahe keya to mey AMRITA SINGH KUSHWAH Consumer Court mey case lagaunge,,,,kunke unhone mere Image officially or ersonally tor par khraab ke hai,,,,jiskey karan mujhey Mentally roop say bhut aaghat pahuncha hai....Jis k bharpai HDFC BANK ko karne padege.....

agar HDFC BANK mere complaint 1 din mey solve nahe karte hai to mey mentally roop say pareshaan hote hue SUICIDE bhe kar sakte hu or iskey zimmey daar HDFC BANK or MR.AAKASH SHARMA jo ke Delhi mey beythkar ye sab tamasha kar rahey hai iskey zimmey daar honge......

Mere complaint ko aap jetne jalde ho sakey usay close karey anyatha iska parenaam HDFC BANK or MR.AAKASH SHARMA ko bhoogna padega.....


Regards
AKSHAY SINGH KUSHWAH([protected])
AMRITA SINGH KUSHWAH([protected])

Ref: Life assured: Arbind Kumar; Policy no. 12111997, HDFC standard Life
In 2008 I went to HDFC bank, Ranchi Lalpur branch for making fixed deposit of Rs. 140,000 but was misguided and assured about 12% annual return if it was invested in Sum assured Plan of HDFC standard Life. I was told that it was one time investment but later came to know that it was yearly premium and you could modify to Rs. 2500/ annum and your Rs. 140000 would still get 12% interest. From Sept. 2009 to July 2012, I was out of India but paid regularly 2500 premium.
Now Today I inquired about value of the money and got shocked to know that first premium of Rs. 140,000 was lapsed.
After searching the web I found similar kind of cheating to another person by same bank in which Bank realised the fault and returned the money with interest. Please help me in recovering in similar manner my amount also.
Arbind Kumar, email [protected]@yahoo.com, Mob [protected]

Dear Sir/Madam,
I had HDFC Credit Card which I was using past 4 years. I was using the credit card properly. Past one year, I could not pay the full amount within the credit period of 50 days. Hence, I was paying only the minimum due every month. So, my outstanding balance increased due to the interest which I could not afford and pay. Hence, we decided to close the credit card and we were planning to convert as EMI.

Credit Card Number: [protected]

We tried to contact the person regarding the issue. But, we could not find anyone to speak about settlement of credit card balance and we got frustrated. We don’t want to hold the credit card and wanted to close it. We were contacting customer service continuously. We advised us to come to Thiruvanmiyur, Chennai as the card hold an account with the Chennai branch. We stepped into HDFC Branch, E-City. The manager advised us to meet HDFC Bank – Credit Card Branch, Richmond Road Office at Bangalore. We went to the Richmond Road office and waited there more than 4 hours and could not find anyone to speak. We got irritated and step out from the office. We could not wait more than 4 hours as we came from very long distance.
After 2 weeks, they called us and told us to pay the minimum due but we wanted to close the credit card. After 2 days, Customer service of HDFC Bank pressured me to pay only the minimum balance due. They didn’t advise the proper procedure to close the credit card. Again, they called and told me that they will pass the call to their manager. Then, I spoke with the employee (Emp. No. V1064 – Vijayalakshmi – [protected]) from HDFC Credit Card Branch, Richmond Road, Bangalore and then she advised me to settle the payment and asked me to continue the credit card.
I wanted to close the credit card. But, they always insist me to keep the credit card (I don’t know the stupid reason for this). I was adamant that wanted to close the credit card. Finally, she suggested me to covert the outstanding balance Rs. 46482 as EIGHT EMIs. I agreed the same and paid the amount as follows.

Date Amount Mode Cheque No.
20/10/2012 4980 CASH -
15/11/2012 5928 CHEQUE 195426, HDFC Bank, KH Road, Bangalore
15/12/2012 5929 CHEQUE 195427, HDFC Bank, KH Road, Bangalore
15/01/2013 5929 CHEQUE 195428, HDFC Bank, KH Road, Bangalore
15/02/2013 5929 CHEQUE 195429, HDFC Bank, KH Road, Bangalore
15/03/2013 5929 CHEQUE 195430, HDFC Bank, KH Road, Bangalore
15/04/2013 5929 CHEQUE 195431, HDFC Bank, KH Road, Bangalore
15/05/2013 5929 CHEQUE 195432, HDFC Bank, KH Road, Bangalore
After issuing the checked, I was asked the proof. She gave me the reference letter dated on 25th October, 2012 and the Reference number is S1189639 which is duly signed by the P.B. Santhosh Kumar (Employee Code S4681)
She also clearly mentioned, Once all the cheques have been cleared then my outstanding balance would be zero.
Now, I have received the statement on 17th May 2013 which has the outstanding balance of Rs 22014. I have paid all the amount till date but these are sending wrong statements.
So I have the below concerns,
1. Why she is giving the fraud statement?
2. What is the purpose of paying all the outstanding amount through EMI?
3. Why should I pay new balance as I cleared the entire (outstanding) amount through 8 EMIs till May 2013 ?
4. What kind of legal action can we taken for this?
FYI, Credit Card expired on April 2013. I was not using this card for last 8 months .
Thank you.

Note: I have attached all the scan copy documents and Please let me if you could need other details.
Kind Regards,
Arunbhaskar R
+[protected]

Hi Sir,
My A/C Number is :[protected], this is my salary account. In this account this month total Rs.698.56 was debited as “ASD D” Charge on 6/05/2013 = 50.56,23/05/2013 = 331.23, 24/05/2013 = 316.77 . I have complained for that, but not getting any response from bank for giving this money back but why the HDFC bank deducting my money.Please resolve this issue.
My mobile no [protected]

i got call from [protected] .This person introduce himself from HDFC Life Insurance company.he told me about interest free loan against hdfc life Loan Policy plan.He is telling me he is senior manager of HDFC life Insurance/loan dept.He told me about and convinced me fully on it.

By several follow up with these people They convinced me to get 10 times of loan of insurance value at 0% interest for ten years. IE-if i will paid 250000 Then HDFC will give Rs 2500000 for 10 years wiTh 0% interest and benefit of insurance policy will go to HDFC life .
first it sounds good to ear and any one will attract to it. But be aware of such type of calls

employe name Ashish Rastogi which call me and tell this policy offer

I had booked a property with Paras. By the property terms the first demand from Paras was for 5 Lac which i had paid. After the first demand from Paras the second demand was for 15 Lac which i was unable to manage. I had a word with HDFC bank and they took documents from me and my brother for the application. They assured me that there will be no problem in order to get the loan done. After 45 days they told me that the loan can not be processed. I asked them the reason for that and they denied to tell me the reason and said that we can not process the loan. HDFC bank took processing fees as well which was 10000 and they told me that this fees will be refundable when the application will be completed they will refund it.

After that I have to switch my loan to Citi Bank and they approved it with in a week time and they took the same documents from me and my brother. Now as i will be getting possession for my property i came to know that the payment of 15 Lac which was delayed by 45 days i have to pay the interest on that as well which was approx 80000.

As per the conversation which i had with HDFC bank they told me that loan will be approved and they assured me on that. Otherwise I might have contacted other bank for that. They set wrong expectation with me as a customer and I have to pay my builder some handsome amount for the mistake of HDFC bank. On top of that i was abused by HDFC bank and they didn't provide me my processing fees as well which i gave to process the loan.