HDFC Bank Complaints & Reviews

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

Hello , I was holding two active accounts with HDFC bank, and one fine day when I logged in to Internet banking it displays a message saying that you do not have any account here for both of my account.
I tried contacting the branch and they were not sure why this has happened ?

After Contacting the Branch again I realized that they have merger by all HDFC account and unfortunately I had one more HDFC account (third one) and they have made it customer Id as primary one. They have not sent any notification to my Permanent address.
As I am onsite now , I am not able to access these accounts and the response I get from my bank is very poor.

HDFC bank sucks , I am not sure how can go legally against them.

Dear Sir,
i purchased a discover 125cc bike through hdfc two wheeler finance. I made a payment of 15000 rupees cash and remaining in installments ,i have already paid my 1st instalment but i have not received a receipt of registration certificate from bank.Please give me a solution for the problem.
They are responding even properly.

When I was applying for the credit card they told the EMI facility was there. I have recently purchased Gold for rs 50000/- and I called up the Customer care and asked for EMI facility. They told the EMI facility is not available for my card. The HDFC bank cheated me.

Hi,

I have a Salary account with HDFC bank. My account for recently charged with Rs.3000 for not maintaining funds in the account for 8 months. Is it not the duty of the bank to send notices. How would a person know if the account was still open after giving application for a closure.

This is driving me nuts.

Hi,
Around 30K INR has been used from my credit card during last three month. All transaction showing merchant as International(UK basically ).
The card was never been lost and it was with me only ,also I never ever shared my online trasaction password with anyone ,And most important and surprised thing to me is that I never used card for any kind of transaction for around 1 and half years. So how bank not disabled the card on temporarily basis as others banks do.

Now can anyone suggest me how I can handle this as collection department chasing me for payment ,also customer care replied that this fraud amount to be paid by me only
Can we say that might be some bankers are internally pass sensitive information to their near ones else how come they not disabled this card.
Please help.

my id no S44944 NAME - SAMARPITA MAITI , worked since October 2012 to December 2012 resigned submitted on 2nd January 2013 . salary received in my bank a/c. but till date neither we recd any pf form for my pf refund
pl let us know how can i get this pf amount which has been deducted at your end
regards
samarpita maiti
S44944
[protected]

I have applied for Home Loan to HDFC Ltd. At that time I paid Rs. 10000/- processing fees to HDFC Ltd. During the process the valuers of HDFC Ltd made low valuation of the property i intended to buy, hence I did not take the loan from HDFC ltd and I applied for my processing fees for refund. HDFC ltd are not replying hence I am writing this complaint with a hope of receiving my refund of Rs. 10000/- from HDFC Ltd.

I am holding a sallary account with HDFC bank since 2011 [protected] , I have checked my online statement today and found that for the period of last 12 months an amount of Rs 393.26 per month is deducted from my account on a single day without any prior intimation and reason. This had happened in just a week and I lost around Rs1530. In the mini statement this shows as AMB CHRG INCL ST & CESS for the month of DEC' 2012 and JAN.FEB.MARCH’ 2013 Deducted. This is very disgusting, i have opened thia as my salary account with HDFC. I am planning to close my account, if i didnt receive my money back.

Date Narration Cheque/Ref. N Date Withdrawa Deposit Closing Balance
13 apr 2013 AMB CHRG INCL ST & CESS FOR MAR2013 13 apr 2013 393.26 12,694.10
09 apr 2013 [protected] -TPT-amount 15807684A1 09 apr 2013 1,210.00 13,087.36
06 apr 2013 AMB CHRG INCL ST & CESS FOR DEC2012 06 apr 2013 350.12 11,877.36
04 apr 2013 AMB CHRG INCL ST & CESS FOR JAN2013 04 apr 2013 393.26 12,227.48
02 apr 2013 AMB CHRG INCL ST & CESS FOR FEB2013 02 apr 2013 393.26 12,620.74

Kindly look into the issue and revert back my money.

Dear Sir,
I want to bring it to your kind attention that some days ago I was approached by Shri. Balasaheb D Gaware who is holding his home loan account with HDFC bank.(A/C No.[protected]. He said to me that he wish to clear all the outstanding in his account but he is not approved with some of the penalties and interest rate calculation done by the bank. As per his version, whenever he approaches HDFC bank, he does not get clear understanding about the amount and interest rate calculation etc.

For that matter he handed over to me a authority letter and asked me to inquire about status and present outstanding in his aforesaid home loan account.
For the same reason I entered the premises of HDFC home loan office, near KSB Chauk, Chinchwad for inquiring about present outstanding in his loan account so that he could pay the amount and clear the loan.
When I entered the office of HDFC Home Loan at around 3 O'clock on 12/04/2013, I was told to meet Ms. Nidhi.

Ms. Nidhi told me that she can not provide me with the information and the authority letter is not sufficient and they would like to see the applicant in person. When I told her that applicant is not in the position to come physically and thats the reason he has sent me with an authority letter duly signed and attested by him, she said to me that she can not even talk to me any further and it will be better if I walk out of their premises. When I said that atleast give me the number of your higher authority so that I can consult with them, she denied having any such number with her.
Then suddenly Mr. Nitin Misal sitting beside to her stood up and started to shout at me. He told me to just get out of the office otherwise he will through me out of the place. When I told him that this type of behavior is not suitable for an officer like him, he pounced upon me and tried to thrash me and started to push me away. When I reminded him that he cannot touch and physically push me like that, he started to abuse me by using all sort of slang and uncomplimentary language and again tried to physically manhandle me.
In between he was asking me that why I was demanding his superior's numbers and said that he is not afraid of any senior and told me to go and lodge complaint with any one and no senior officer can do anything to him.

Considering the gravity of the situation and looking at the uncontrolled aggressive postures of Mr. Nitin Misal, my friend Mr. Tushar who was accompanying me tried to douse the situation and took me away from the officer and I moved out of the office premises.
Then I got the telephone number of his superior office from Pune and I called onto them[protected] to lodge my protest. The officer on the other-side listened to me patiently. He was at first tried to be factful and reminded me that information of an account can not be provided without an authority letter, but then when I reminded him that I am already carrying an authority letter he surprised me by saying that they need to first check the "sanctity" of the authority letter that I am carrying. He then tried to shield the guilty officer saying that he can't believe that anything like that has happened and instead told me to be calm and not to escalate the matter.
After narrating this incident I would like to emphasis that I am requesting for a stringent and strict action against Mr. Nitin Misal and a departmental inquiry must be initiated against him for abusing, threatening and manhandling me.

Hello All,

I have been following up with HDFC Bank for several days now, for the transfer of my credit amount from my credit card to my savings account. Both are linked and can be easily done in a day, but this has not been done till date. Not sure how the organization works. It is extremely in efficient in its customer complaints. I had purchased multiple first class railway tickets to the amount of Rs 40,000 for travel in...

Name - Vipin Kalra
Mobile no. - [protected]
Policy no.[protected]
Policy name - HDFC Life Sampoorn Samriddhi Insurance Plan
Broker - NetAmbit

I would like to highlight the fraud conducted by HDFC Life and NetAmbit.

The details of fraud conducted with me:
• It is a clear case of forgery, duplicate signature and false commitments.
• My signs are forged. I did...

Hi,

I had visited the HDFC bank, Kamani, Kurla(W) for depositing cash in friends account.
But the cash counter redused to accept the cash as that account was salary account.

He told me to take approval of bank manager. Manager repeated the same thing & asked to transfer the cash online.

If someone has EMI deducting next day & want to deposit some cash then how he will do that.

HDFC bank should think on this. Its really irritating for their existing & future customers,

Please revert if someone has any comments on this.

Thanks,
Laxman

Well i never suggest to anyone to open an account in hdfc bank. hdfc bank is blur to be as private bank.

Well this my third time i am complaining about hdfc bank services, now it is come to my self respect, on 15th of april (today) near about 12 pm i and my brother go to bank for deposit in our firm account named mobile care ( current account) rs 3 lac. and 2 lac deposit for my friend account named khushboo goel (saving account). after deposit in our firm account bank cashier says ( who take the money from us) you can't deposit 2 lac in saving account without any major reason ( means we have to specify the reason why we gonna deposit huge amount in saving account). we said ok don't deposit in khushboo goel account, deposit this amount ( rs 2 lac) in our firm account ( mobile care). That's all cahier done his job. we both go back to our office and i transfer rs 2 lacs to khushboo goel account through online banking. later near about 6 pm bank representative call us and blame on us that we had deposited rs 4 lacs not 5 lacs in our firm account. she mean that we steal the money from cashier counter or we gave rs 4 lac to cashier. this is very rude behavior from that representative and branch manager mr amit, he is claiming that we did something wrong in hdfc bank. that was very crap moment that a senior branch manager claiming on us without any confirmation in his bank, without any enquiry or without checking their cctv camera's. now it is the time to file law suit against your bank or hdfc bank has to take any hard step against branch manager and that representative. if bank did'nt take hard step against branch manager then i swear i will ruin your panipat branch image with the help of law. i need immediate response from bank anyhow.

sakoon arora

monile no:[protected]


our firm name:- mobile care, account no:- [protected]

my friend account name :- khushboo goel account no:- [protected]


Thanks

YESTERDAY I WENT TO PURCHASE GOLD IN MALABAR GOLD JEWELLERY COIMBATORE AFTER PURCHASE THE GOLD I GIVE MY HDFC PLATINUM PLUS CREDIT CARD FOR BILLING MY AVAILLABLE CREDIT LIMIT IN CARD IS ( 68,308.84) I USE SWIPE CARD FOR (43,380.00) THE AMOUNT IS DEBITED FROM CARD THE BILL SHOWS DECLAINED .I CONTACT CUSTUMER CARE SERVICES THE AMOUNT WILL BE CREDIT WITH IN 48 HOURS SORRY FOR INCONVINENCE .YESTERDAY I NOT ABLE TO PURCHASE GOLD I NEED JUSTICE .

credit cards no [protected] were offered by bank not asked by me never.I never
purchased or used the said cards during the period & it were blocked by bank.The
Rs.125000/-were deposited by bank in my account on[protected].The said amount were
repaid in the 36 EMI as per the schedule of bank & total amount repaid for
RS.170000/-.BY me ( Rs.ONE LAC SEVENTY THOUSAND ONLY)WITH THE PRINCIPAL AMOUNT +
INTEREST.The charges were mentioned by the bank were falls & were not accepted by
me since beginning.I had already replied all statement from the since beginning &
no action were taken by the bank DURING THE PERIOD.

Still the Bank officials demanding huge amount more than Rs.100000/- Inspite of paid full amount of loan amount in EMIs & not used for another purposes.

They have reported my name on CIBIL records also as negative & defauter .

My humble request to HDFC official on which ground you have been reported my name on
CIBIL records?

And CIBIL authorities also why only member have reported to you & not examined the facts & record
from customer side, it means you have not follow the rules of natural justice & directly
hanged me in your records.

kindly see the facts in the matter & give me proper justification at the earliest
or remove my name from your CIBIL records.

This is your duty to check the facts from your member & also cross verified all
relevants documents in this regard.