HDFC Bank Complaints & Reviews

Dear sir/madam, I am a credit card holder for your Bank and the credit card no. is [protected] and due financial crisis I was not able to pay the bill from past 2 months. My Dad was hospitalized and now sister pregnant and she is expecting a child by next month.My financial condition is not that good currently and I need time to pay my bill. I had called phone banking several times to convert the outstanding amount into an EMI but they are saying that there is no offer available to make the payment into an EMI. And now I am receiving calls harrasing from dept team and collections agent and the the way they speak is totaly not acceptable, they are very rude threatening everytime. They also called on my Parents cell no:and tried to threaten them and also without my approval they sent somebody at my house and threaten my mother. If this things happen again they I need to take legal action against the HDFC bank authorities for harassing and threatening my parents. I would request the bank to please help me by converting the outstanding into an EMI and I dont them want to call on my parents cell no. and without my approval I do not want anybody to come at my premises. Please do the needful.

REGARDS

Nikhil Patil
[protected]

I was booked Skoda Yeti Car from JMD Auto India Pvt Ltd, Thane which cost was aprox 17 Lcs

HDFC bank is on panel for Car Loans of various schemes at JMD Auto India Pvt Ltd Thane.

After booking the car HDFC/JMD authorised executives ( Mr. Atul ) was approach to us to introduce the Car Model & Car Loan from HDFC

He was suggest HDFC Loan scheme of 5 years tenure of aprox 11% rate of interest & the loan amount was unknown but they committed what so ever trying for maximum Loan amount. ( closed to car value ) & he take the necessary documents from us & signed up HDFC documents which was BLANKED.

After few days we come to know that disbursement Rs 12 Lcs is done to JMD Auto India Pvt Ltd, Thane directly on dtd. 27/12/12 no any type of permission was taken before disbursement with Applicant / Customer from HDFC/JMD

• Approval for EMI ECS from SBI yet not done by us.
• No sanction letter yet sign up by HDFC

Even the above, the disbursement of Rs. 12 Lcs was made directly to JMD a/c due to insufficient sanction of loan amt we decided to cancelled the purchasing of Car accordingly I given in written to HDFC/JMD to closed the loan as on 29/1/13

Immediately I have received foreclosure statement from HDFC in which charges are follows up to 31/1/13

• Interest charge Rs. 13066/-
• Stamp duty charge Rs. 4920/-
• Cancellation charges Rs. 1000/-


As per the statement I was issued foreclosure chq of Rs.18987/- on dtd. 29/1/13

But it is observed that still JMD Auto not refunded the disbursed loan amount to HDFC hence loan a/c is not found closed in system & bank is taken first EMI on today.

So, I am not responsible for this disputed case & kindly resolved the matter.
The executive (Mr.Atul) is found leave his job.

The matter is reported to Consumer Forum.


Regards,
SA KULKARNI
Mob. [protected]

Hi, This is pramod. I got a call from HDFC Credit card company where i have been told for platinum credit card. i provided the document for the same.

but when i received card it was jet privilege -HDFC card which is of no use for me. i called them to change it. they refuse to change it. and asked me to raise new request for new credit card. and existing card will be block only if i write letter to copanay. and that is wrong.. and also this card is chargable. i want it to be closed soon without charging me any xyZ amount.

Respected sir/Madam,
My name is Gurpreet Singh. I have worked with HDFC Bank ltd, Branch Budhlada, Disst. Mansa, Punjab. Branch code is 1481. I have worked there for 8 months as a Co-Ex in Retail Agri. Lending. My Employee code was 93381. I have given my Resignation in month of July, 2012. But After 9 Months of resignation, I have not received my Experience Letter. I have contacted with concerned officers but they are not giving me the proper answer. I want my Experience letter ASAP. My email id is [protected]@gmail.com and my contact Number is +91-[protected]

sir
My wife have a saving account in hdfc bank g.t.road panipat.
i have to deposit money in that accout ,today morning i deposited 19700 rupees in my wife acount in another hdfc
bank ther branch. the bank personnal told me that rs 150 would be charged for third party transfer.
I could not understand the logic. is there any charges for such transaction pleasse help me.

My name is Chad Bennett and I have a Salary Account with HDFC Bank from who I also took a Credit Card # [protected] and the credit limit was 44,000. I was making regular payments towards the Credit Card however due to my wife losing her job I was unable to make the payments for 3 months. During this time I also did not have a phone due to non payment of my phone bill for a month and hence they were unable to contact me. I knew that non payment of my Credit Card amount would lead to legal action and also affect my credit rating so I decided to make a payment and called HDFC bank for a closure.

When called customer service, I was informed that my account was handled by Mr. Babu. When I called Mr. Babu, he redirected me to his executive Mr. Elangovan.

A settlement was not given to me and I was informed by Mr. Elangovan phone#[protected] from the Credit Card Division that my account will be blocked and all funds in my account will be transferred towards the credit card payment of roughly (58,000.00) until the amount was cleared. Based on this I had made an initial payment of 7,570.00 on the 3rd of January 2013 which Mr.Elangovan confirmed that he received. A day later tells me that financial charges and interest was added and my balance after making the initial payment is 50,431.00. On the 16th of January 2013 my Salary of 26,550 was directly debited towards the Credit Card .I had pleaded with them to come to a settlement due to the financial situation I was in and they did not agree with me. I did manage to borrow the money and called Mr.Elangovan on the 24th of January during the evening and advised him that I am willing to make the entire payment which was now 23,880.00 and he had confirmed that there was no additional charges and stated that once this payment was made he will send me a NOC. I went to the Credit Card Division in Chennai (Nelson Manickam Road) 4th Floor and met with Mr.Elangovan . He accompanied me to the HDFC bank opposite and he filled out the challan for the payment of 23,880.00 and during this I had requested that he provide me with a receipt of full payment received and he stated that the acknowledgement received from the bank was sufficient and promised me that the Credit Card payment was made and that I can collect the NOC on the 4th of February 2013. He called me again on the 4th then telling me that I need to pay 1064.00 more as financial charges.

I spoke to his Manager Mr.Babu cell phone # [protected] and he stated that they cannot not levy the charges and this payment needs to be made or I will not receive a NOC from them. When I informed Mr. Babu that I had borrowed Rs. 50000 to settle the charges and explained to him about my situation. His response was "If you can borrow Rs. 50000, try to arrange Rs. 1000 more as it is not a big amount". This is very disappointing. in spite of arranging the money and settling my account, I am being forced to pay additionally for Financial Charges even after my Card was completely blocked on 1st of January, 2013. This is mental harassment.

I cannot pay anymore money as I have no funds available and seek assistance in a withdrawal of the amount of Rs.1064.00 and necessary action taken against the necessary representative Mr.Elangovan and his Manager Mr.Babu.

Yours faithfully,

Chad Bennett

To

The Manager

This is to inform you that I Olivia Mamani have availed of a loan from HDFC Bank on 1st August 2009, my loan account no is 15222041 and I have made payment towards this loan since then.

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But since April 2012, i am unable to make payments towards the same due to some problems in my family.

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I had taken this loan to help my sister in law, initially she paid the loan instalments but then she stopped as a  result of which i started paying the loan. i lost my job in May 2011 but i still continued paying the loan from the provident fund i got, but that money also got exhausted, so i started to work in a school to support my family but my husband  also lost his job and could not get a job due to which there were a lot of differences in the family and we parted ways and no longer stay together. I stay alone with my 4 year old son in my friends house.

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I had approached the HDFC Loan Department on 18th April 2012 to ask for a settlement of my loan at a less amount as i was unable to make payments for the same.

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In the month of November i was constantly called up by the HDFC Loan Department Officials, they asked me to come and speak to them, i went to their office but i could not meet the concerned person as he was always out.

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I have not received any communication whatsoever from the Bank since then.

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However on Saturday evening 2nd February 2013 at 17:28 i got a call from one Mr Azhar who claimed to be calling on behalf of HDFC Bank Loan Department.Â

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he asked me if i was aware that my file was logged in to legal, to which i replied yes i am aware as when i was speaking to another official in November 2012 he informed me that the file would be logged in to legal if i did not make the payments on time.Â

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So he stated that my loan file has gone to the legal department and that a non bailable warrant has been issued in my name for 10th Feb 2013, due to non payment of the loan instalment.

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After which I explained to him my situation and that i would not be able to make the payment as i draw a less salary and i cannot support my son's expenses as well as pay the loan instalment i also informed him about the conversation i had with the HDFC official in November about the same and that i had not received any revert from them at that point of time and suddenly out of nowhere he calls me and says that a non bailable warrant has been issued in my name.

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To which he replied that if i wanted to stop the legal proceeding then i need to pay at least 2000 towards the loan and the warrant will not be issued i said how is that possible as i have not received any calls before about this and it is not a case that i am absconding or changed my mobile number or not answering the calls. infact i have personally visited the branch and informed them about my situation and also wanted to do a settlement for a less amount for which i was called but not attended to

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to which he replied you see what you want to do in any case you dont have the money to settle the loan so you can atleast take 2000 from your parents or someone and make the payment and stop the legal proceeding

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so i asked him if he expected me to sit with my 4 year old son in the jail as obviously i had no support whatsoever from any of my so called family to which again he replied to pay the 2000 orelse the non bailable warrant will be issued and that it was my call

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this is to bring to your notice the harrasment of your HDFC Loan Department. kindly enlighten me as to where did i go wrong and what is my mistake being a responsible customer i visited your branch and informed you about my situation i asked for a solution but got no help being single mother my first and only priority is my son if you want to put me in jail because of that then that is your call but be rest assured i am not going to leave my son at home i will make sure he sits with me in jail and sees what his father and the HDFC Loan Department has put us through.

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Thanks and Regards

Olivia P Mamani

Hi HDFC CC Division,
I have applied for Credit Card various times and it got rejected. I have a coporate account with HDFC and running 2 car loans which with healthly re-payment. I was earlier also holding 2 car loans which I forclosed in the bank as sold those cars. My CIBIL score is also healthly. Please let me know the reason. You ca'nt just reject the credit card application like this.

Deepak
[protected]


E[protected]

My name is Olivia Mamani and I have been harrased by the recovery team of HDFC bank due to late payment of Personal Loans. I am a single mother living all by myself supporting my 4 year old son. I have informed the bank that I am unable to make the entire payment due to poor financial conditions. Inspite of which they have been harrasing me for the same. I have even offered to pay a part of it to settle off the loan but the recovery team doesnt seem to acknowledge my concern. I have been threatened that a non bailable warrant will be issued in my name. I am facing mental distress due to all this.

Hi Team,

My name is Terence Pinto. On request i would provide my credit card
number. I am 2 months past due on my card due to my salary been late
and some personal issues. I received a call today on 15:25. I could
not pick up because I was on another call.

This lady calls up my office number and speaks to a colleague of mine
saying that she is calling from courier company. I was on another
call. I kept the phone and spoke to her.She said that she is calling
from HDFC Bank CC and was asking the payment. I told her to call my
cell number. I also told her since my salary has not come i could not
make payment.

I asked her to call on my cell. She called on my cell on 15:29.

I told the lady I have not received my salary yet. Once I receive i
would make my payment. She asked me date I said by 4th or 5th.

My question is I wanted to discuss with her the details as well as
some settlement that I want to do. She was insisting on how will I
make the payment. I told her will do by cheque or transfer.

I wanted to discuss on settlement she bluntly disconnected the call.

Is this how you treat your consumers. I wanted to discuss settlement
and close the account and you guys and disconnecting the call.

It was only once you called me and if phone is busy why don't you call
after some time. I will pick up. Besides, if I mess up you people will
report my rating to CIBIL as irregular payment or defaulter.

If this is the attitude, I don't want to continue with HDFC.

In future, if i receive any call on my office number or somebody
visiting my house/office I am going to raise a police complaint
against HDFC.

Also, i am putting a complaint on consumer forum so that people also
understand the ill-treatment faced by customers.

Regards,
Terence Pinto

Respected Sir/Madam,
I just want to inform you that on 20th of Oct 2012 there was disputed transaction happened through my credit card ([protected]) between 9:50 P.M to 10:10 P.M amount 24500. Same time called to the customer care HDFC and blocked the card. I have also logged a FIR in New colony Police Station and submitted one copy of FIR to ICICI bank New colony morh gurgaon. I have asked them to provide a cct camera footage of duration 9:45 PM to 10:10 PM of 20th of oct 2012 of ICICI ATM Bhim Nagar. Moreover I have submitted a complaint application and credit dispute form along with police FIR copy to HDFC Bank executive. Letter Ref No:- [protected].
Moreover I have not received any confirmation letter or E-mail from HDFC bank regarding settlement of dispute amount, Even after multiple follow up from customer care but unfortunately nobody has solved my disputed amount ( Ref no [protected] , [protected]). Beside that I will defiantly pay credit amount which was used by me.

I would be highly thankful, if you would help me to solve my credit dispute amount and other extra interest charges.
Below are the details of Dispute transaction and amount .
Rs10000 – 088494(Trans id), Rs 4000 - 089028(Trans id), Rs 5000 – 088770(Trans id),
Rs[protected]Trans id), Rs[protected]Trans id).
regards
rahul gupta
[protected]

Subject :-Complaint Against HDFC SL for unfair business practice ,false commitment and cheating.(Recordings of the communication needed)
Sir ,
I am Priti Chatterjee (policy no.[protected] ,my husband received a call on 13th august 2012 tlling him that there is a insurance policy from hdfc sl which if enrolled on that day will give some extra benefits and if he takes it in the name of his wife will give more benefits and that will be given to me in writing.
The benefits offered were
1. Guaranteed return of Rs.590000. on premium of Rs. 30000 for seven years.
2. Which include bonus for that day Rs.30000
3. Women reservation bonus Rs.30000
4. General bonus Rs.30000.
5. 3days /night stay in any three star hotels for two in India valid for 10 years(i.e till 2022)
6. Insurance of Rs.191441 .
But when I received the insurance kit there was no mention of the Rs.590000 ,but I received the tour voucher(no.853706)( Section 41 of the Insurance Act, 1938) which was valid up to 30th June, 2012. After which I repeatedly called Mr.siddhartha mukherjee (mob. No. [protected]) who told me that I will get the written bond with Rs.590000 mentioned in it in 3-4 days which I have not received till date and I was not able to surrender my policy with in the free look period.
After that I have lodged numerous complaints with their grievance cell and igms but instead they send me a letter which said the disadvantage of surrendering the policy after the free look period.
Then I have asked for the recordings of the conversation with me /husband and Mr. Siddhartha Mukherjee for which they called me and tried to convince me that the policy is good and will nearly give me the same benefits.
I need the premium of the policy back with interest and recordings of the communication with me and the company/ broker (INDIA INFOLINE).
I expect a lot from your office as I have made lot of online complaints but with no response so kindly see to
the matter and respond judiciously.
Sincerely
Priti Chatterjee (policy no.[protected]
Contact no.[protected]
ADDRESS:-15, Anjani Vihar, Near new kapil vihar, Saharanpur-247001
Complaints to IRDA :-
IRDA TOKEN NO.[protected];[protected];[protected];[protected];[protected]
HDFC COMPLAINTS:-
HDFCSL=878-088’; HDFCSL=874-429; 'HDFCSL=876-005 HDFCSL=877-204 HDFCSL=874-429; HDFCSL=904-
311; HDFCSL=901-246; HDFCSL=889-071

i am vivek kumar pathak, applied for a credit card (teacher platinum card) of hdfc bank. when i applied, i was informed that the annual fee of the card is Rs. 299, and it will be reverted if i will shop for Rs. 5000 or more within first three months from the date of activation of card. now i received a statement regarding my annual fee, of Rs. 448.32. i called the customer care they told me that annul fee of that card (teachers platinum) is 448.32 and it can be reverted if i will shop for Rs. 15000 within three months. now i want to solve out this problem with the plan which was informed.
thanks & regards
vivek kumar pathak

Hi,

I have opted a FD for Rs. 2000 Per Month, while Opening my Salary Account in HDFC Bank. In the Month of Auguest - 2012, They made transaction of Rs 2000 with the remark of "DUMMY". I went in person to the nearest HDFC branch to know the reason for the transaction Made as DUMMY. after giving the information they asked to convert that into ULIP plan and they said like, you will get this and you will get that extra. Finally i said fine and i opted the same. they told there will be initial payment of Rs. 6000 Per Quarter and there after they will deduct monthly Rs. 2000 from my account (policy creation will take some time, that's the reason i have to pay Rs. 6000 in the initial as they said). I belived their employess and i agreed for that too.

Finally the next day they called and collected my address and deducted Rs. 6000 + Rs 186. Thereafter I received a call from their customer care representative @ the end of October - 2012, by telling that he will create a on line user id and password for the policy. I informed him that, I haven't received any document and there is no communication from them about the dispatch & delivery of the policy documents. He told that he can't raise any complaint, i have to go to nearest HDFC branch in person and i have to raise a complaint. He opened the online access for me. After login to the site, i saw the address mentioned is totally wrong. and they said in they same address the delivered.

I went to branch, where i opened the Policy, I told them about the same. They given the form to fill, and that lady said, i have to wait for a 7 working days and they will issue the document ( this happens @ first week of November - 2012 ). I was waiting for an month, there is no information @ all. Again i went back to the same branch and asked the same. again she said within 7 days, i will get ( same story).

In January - 2013, i went to the same branch and asked her to close my policy, she said i have to go to T. Nagar, Branch. I went there and waited for almost an hour in a week day and he asked me to write a complaint and I told him about how worst their company service extra. he told that my request will be forwarded to Redressal Team. On 15th of January - 2013, i received a courier through Bluedart saying that, they received my complaint and they will resolve my issue.

At finally today 19 of January 2013, i received a courier from them and stating that I have lost the document and I have to pay some amount to get duplicate document for that to filling some form get Notarized with some stamp bla bla. by Mr. Rohit Konojia.

Now only i came to know that I will get nothing from their company and they are cheating us, like anything. In case if i haven't received my money back,


Policy Number : 15352573

Address mentioned by your comapny : XXXXXXXXXXXXXXXXXXXXXXXX

Actual Address: YYYYYYYYYYYYYYYYYYYYYYYYY

awaiting for your reply.

Reagrds,
Nandhakumar Vemban

Dear Team

I hold HDFC credit card and i was using this card since 3 months and date of 2nd December i swiped 24500/- before using the card i called HDFC credit card department i ask them they told me swipe the card and call us after two days we will convert in to EMI but i called them more then 20times since that time now they are not ready to convert in to EMI ,so kindly do the needful



Regards
dileep kumar
[protected]

Dear Sir/Madam


I am Jayanta Santra having HDFC bank salary account from March, 2008. My account number is
[protected]. At the time of opening this a/c I was in Caldyne but I left caldyne before 2.1 years and for 2.1 year salary is not been credited on this account. My problem is that yesterday (Dt - 30.01.13) HDFC have deducted amount of Rs.2000 from my account without any intimation or confirmation from me.

When called customer-care, they told me that this was deducted due to averagely balance not maintained.Your account is not a salary account now.

I have requested them company provided me Salary account.I am not aware this as it is converted to Saving account and i am not getting any information for this.


I would request you please expedite the matter and refund my deducted
amount.


Your immediate action in this regards is highly solicited.


Regards,

Jayanta Santra

A/c No - [protected]

I had obtained a loan approval of 21L from HDFC.

As of 2009, I had taken 10L of loan (and prepaid 2L) and started occupying my home. I no longer will be required to avail further amount. So I requested HDFC on August 2012 to decrease my approved amount of 21L to 10L, since it was required to calculate any changes (I had plans to increase my EMI).

I had submitted all required documents (receipts for amount paid, completion cerficiate etc.) to Sholinganallur Branch of HDFC, who had promised to send them thru their internal courier to HDFC Main branch (Anna Salai, Chennai).

However, its been more than 6 months, and my approved loan amount still shows as 21L. Am also unable to increase my EMI, since as per the bank records, I will still be availing for further loan.

NONE OF THE BRANCH OFFICIALS ARE ABLE TO EXPLAIN WHY THE CHANGE IS NOT REFLECTING.

All my calls go in vain. I visited to Sholinganallur office (where I submitted the documents), and was told to go to their head office. I went there as well, but there also the lady simply stares at me, unable to answer my queries. Am unable to meet the branch manager (Mr. Balakrishnan) as well, who seems to be avoiding this case.

God save people from HDFC.

Dear Team,
I am having an account with HDFC Bank Ltd. I am expecting my PF amount the same account ([protected]). the amount credited in same but the credit card team placed hold over that due to non payment of outstanding. I made a purchase of any amount and they are reflecting very high one. I am trying to follow them by help of mail. they didn’t provide me statement. From last one year I am suffering from illness and I was jobless also due to my illness I have already mentioned reason of Non payment and my medical document with that mail. I already told them, that particular amount is required for my treatment and I am ready to make a payment on EMI basis but they are not replying me on that particular Email.and i have got call from megha that they will not provide that particular amount
I am writing you all because that particular amount require me on urgently basis. and due to that it is affecting on my health badly. I am to seek for the solution from your side.please help me and remove lien from my account.
If due to that ‘’if something happen to me, HDFC Bank will be responsible for same”
With Regards
Nikesh Kumar

I enrolled a policy in HDFC life on 15th Jan 2013.
Policy name: HDFC Life Sampoorn Samriddhi Insurance Plan
Policy Num:15740065
Policy Holder Name: Rajib Chowdhury
Contact Num: [protected]

When the HDFC Life Representative Rahul( Ph Num :[protected]) called me for that policy he assured me that the premium would be payable for 5 years (INR 25000 per year *5) and after 5 years assured maturity amount would be 1,93,000 Rs.But when I received the policy paper on 25th Jan,2013,it says the policy premium is to be paid for 11 years and the maturity amount is 2,18,975 Rs.maturity date 15/01/2024.the nominee details is totally wrong and I don’t even know the nominee.
So according to the policy I have to Pay approx 2,75,000 RS in 11 years and after 11 years I will get 2,18,975 RS.Is it called an investment plan? Are you making fun of the customers?After getting the documents signed by me HDFC representative filled the documents with 11 years policy and 2,18,975 RS maturity amount.

So I called the same representative Rahul( Ph Num :[protected]) today and he asked me to sort the matter in HDFC life office and he could not help me in this matter.When I asked him as he was the agent he needed to look after my concern,He abused me using slang language (“Tu jo ukharna hai ukhar lijiye,Tu mere ek baal bhi ukhar nahin sakta” ) .Is this way of handling a customer who is in trouble.then I called your customer care and the representative also told me he could not help me in any way in this matter of wrong policy and the misbehave.
I went to HDFC bank Sector V Saltlake Kolkata branch and they told this is not an issue of HDFc bank as this is HDFC life issue and not related to HDFC bank.

Then I went to HDFc Life Saltlake BD Sector branch and the customer care executive told me the policy was issued through one brokerage firm and they could not do anything.But as a customer I was not aware whether the person who collected my docs,who called me,who collected my checque were from any 3rd party vendor.I knew I issued the cheque for HDFc Life and they represented themselves as HDFC employee.The existence of third party is completely under HDFC Life’s knowledge and the end customer should not bother about them.

Agent Details:
NETAMBIT INSURANCE BROKING INDIA LTD
ADDRESS : C-20 SECTOR 7 NOIDA UP
CODE 00456065
LICENSE NO:403

The executive in HDFC life ,BD Block,Saltlake told me to cancel the policy but in this method I will lose 1000 rs as different charges.But according to policy provisions I am supposed to provide only stamp Duty (Rs 43.79)+Medical Examination incurred By HDFC on me (RS 0 [Zero])+proportionate Risk premium for the period on Cover ( 684.93 Rs) Which is lesser than 1000 RS.But Why will I give that amount where HDFC life gave me wrong information?

So At the end of the day I will be the loser where I abused by your representative,I lost 1000 RS.But I will go ahead with this cancellation and then take this issue to consumer forum and Insurance Ombuds process.

Our continuous effort to highlight the fraudulent on my wife's account with forged documents used for opening an account and HDFC policy has been not been taken seriously. Inspite of several emails to the MD Aditya Puri ( who shuns is emails and is not reachable on telephone) and phone calls made to the response escalation department we have not succeeded in getting any response from him nor his team.
The success of HDFC since its operation from 1994 is it based on encouraging their team to do frauds?
Our money was swindled and we have incurred lot of expenses and monetary loss due to the unprofessional and lapse by the responsible authorities.
Mr.Aditya Puri has time to give interviews to the media and he is so proud in stating that he shuns email and doesn't carry a mobile, we are not against your thought process,but you should be responsible to understand what is happening in the organisation and especially you being the head of a department where you are in charge of grievance of your customers.
Should you need any further details on the forgery and fraudulent, please let us know your personal email ID or time and contact number.
Regards
Sheik