HDFC Bank Complaints & Reviews

Sub: ABUSIVE WORDS USED BY HDFC STAFF

Hi,

Viju from HDFC Bank (Branch - Chandivili,credit card department) was using VERY ABUSIVE WORDS on the follow up call for credit card payment. First they dont update their system with customer's details, MOST IMPORTANTLY - He was using very abusive words on the phone like "Teri maa ki chuut" and all crap after which i disconnected the call. This is how HDFC Staff treats their Customers...PATHETIC..

My Sincere request to HDFC that they chould better train their employees on Customer Management and ethical behavio

I have been given a NRI loan and I was making my payment through their online system (hdfc.com). Suddenly they have stopped that facility due to some RBI guidelines. I am staying in US for past 1.5 years. I asked my friend to drop the EMI check on the last day of every month and there is no due from my part neither I am a defaulter. HDFC bank fails to produce the checks on time and their collection center unnecessarily calling my parents every month and stating that the EMI payment is not on time.

HDFC bank has given a NRI loan and now they are expecting that the customer will fly from US to India to do the ECS. This is really silly and rediculous. I have never face such a silly bank. Many time through the HDFC portal, I have communicated the same message to HDFC bank that this is a NRI loan and just for the ECS I can't fly down but it is of no use.

The people of the bank needs proper training and mostly the collection centers, who don't even know what is going on, start calling here and there for the payments.

Some one has to take care so that these banks or their collection center stop calling here and there

Sir,
i think my name is included in your civil list due to bounce of 9
cheque. All payment paid by cash and also received the NOC. Pls do the
needful to proceed any work with HDFC.
A/c no[protected]
bike no- MH04, CR2472
Amit kumar maity,
ostwal empire flat no. 306/wing-B,
BOISAR-401501
Mob- [protected]
[protected]@gmail.com
Thanks,
Amit kumar maity
date- 25/09/2012
boisar.

Dear Sir,
I have applied for Home loan in HDFC Ltd (Jeevandeep branch, Kolkata) through Bankbazar.com in the last week of July’ 2012.In this connection HDFC Sales officer Mr. Subhajit Ghosh accepted the chq of Rs. 6742.00 from me as processing fee and all required documents copy. After spending few days when I asking him for my application status he give me the no of Mr. Suman Chatterjee for this purpose. Then I calling to Mr. Suman Chatterjee and he asked if there have any updates HDFC will inform me.
But after passing a few days when I calling again he said that my office verification report is coming negative, Then I send him a request mail for a second enquiry along with my Hr. manager contact details as he suggest me.
But after passing more than 02 weeks when I call again on 09th Sep Mr. Suman Chatterjee ask that my second report also coming negative on 31st Aug. and for this reason my proposal in cancelled by HDFC. But when I asking him that why not he inform me before about this matter and request him to send me the report in which basis they cancelled my proposal he just put down the phone.
And now a day’s when I calling so many times to Mr. Subhojit Ghosh he can’t attempt my phone.,
Now my point is that
 If HDFC is cancelled my proposals why not inform me and why not show me any reports?
 Why should HDFC's concerned staf not behalves well with the customer and harassment them?
 Now, I want to refund of my processing fees along with my all documents immediately.

Hi ,

An amount of Rs 1140 has been withdrawn from my account [protected] by trasaction INTER-BRN CASH CHG INCL ST & EC 130812.
When I called the customer care they are telling since I withdrawn money from my account ,they r charging rs 5 per 1000 rs for amounts more than 1lakh. Kindly take action against this bank as this trasaction shouls be processed free and this bank is charging for that.

Thanks & Regards,
Gincy Anto.
[protected]@gmail.com

I regret to inform you that it is both surprising & beyond understanding that HDFC Bank has kept on HOLD my Debit A/c bearing No [protected] without assigning any reason. I have not received any written, telephonic or E-Mail communication till date in the matter.

I had the worst experience in my life with HDFC bank, and I am expecting a response from a senior person from HDFC who would understand me

Sir,

This is to inform you that my HDFC SL policy 12939631 & 12400038 has been lapsed due to non-payment . Further i request them to pay me back the amount as i will not be able to pay the installments further. And after repeated reminders they are not responding to my e-mail nor my telephone and atlast i have no option and knocking your door Kindly intervene and let me know briefly that when i will get my amount back as i have to go for major surgery for my sister. So I request your honour to treat the matter urgent and pay me back my amount as early as possible . Waiting for your early reply.

Thank you Sir,

Yours faithfully,

(Meganathan K)

I m Sridhar From Chennai.It was on 2009 at the month of march I joined with Reliance BPO during that period ,am the account holder of HDFC bank (i.e) Salary account with zero minimal balance .Also using this account ,I used to pay my bike due on a monthly basis.then later ,I quit my job with Reliance on Aug'2011.From that day I stopped using the account and there is no transaction has been done using this HDFC bank debit card .But still I kept my account active ,why ? because ,I m supposed to get my PF money using this HDFC account ,then on 25th Aug 2012.I deposited the amount of Rs. 500,whereas it got debited automatically.without any intimation or SMS or without my knowledge .And on 28th Aug 2012 am supposed to get the PF amount of Rs.14,171 .And Rs.500 is deposited on my side .So totally it has to be like Rs .14671.But what happened is? The amount of Rs.3563 has got credited towards my account then and there if got debited automatically and not even a SMS alert for both credit and debit status. Then on the same day i.e. on 28th August 2012 finally I got the SMS alert stating that my account got credited with Rs 10,608. While I check for that am suppose to get the above mentioned amount of Rs 14,671. Whereas I have got only 10,608 Rs which is not fair and unacceptable. Then again 2 to 3 days passed I checked my account it was only Rs 8200. In that I have used the maximum amount of Rs 1000 while I check my statement using my customer ID. I found the amount got debited towards ECS charges. I don’t know what is all about.
The day when I left with reliance, I stopped using your card and also I started paying my bike due directly and more over by due is also completed. Then how come your bank can detect my money. May be Rs 5000 is a small amount for your bank. But for me it’s a bulk amount what for my money got deducted by your bank without any reason. How come you can charge me. This clearly shows the kind of customer service provided from your bank.
So kindly take care of this compliment and please do the needful and also refund my money back.


Regards
Sridhar.R
[protected]

My debt card of HDFC bank bearing th number [protected] was stolen during my journey from Chandigarh to Koderma. A FIR has been lodged with Rail Police Koderma . My card was misused and a sum of Rs. 8714.00 was debited from my bank account without verifying my signature. Kindly take steps to get my money refunded. Details of transaction and POS are given below .

Narration Ref. No. Date Withdrawal

POS [protected] 17-09 [protected] 18 Sep 2012 3,995.00
310097 DEFF

POS [protected] BINDAL
APPARELS [protected] 17 Sep 2012 3,710.00

POS [protected] RELIANCE
FRESH L [protected] 17 Sep 2012 687.00

POS [protected] RELIANCE
FRESH L
[protected] 17 Sep 2012 422.00



Total 8714.00

I was in emergency need of money. so I went to my near by HDFC ATM to withdraw cash. I inserted my HDFC card in HDFC ATM machine, which was out of service & no sign board was displayed informing that it's out of service. Due to which my ATM card remain inside that ATM machine. I was neither able to withdraw money nor my card..

Sub: Gross misappropriations & incorrect deductions from my savings account no: [protected] without intimation

This is to inform you that I have a savings account [protected] in your branch. I had requested for an FD account of Rs. 45000/- for one year. The FD account [protected] was opened on 22.02.2010 and its maturity was due on 10.03.2011.

However, recently when I checked my account statements online, I found out that there was no mention in the account statements anywhere as to what happened to the maturity amount of the FD which got matured in 2011. The same should have been credited to my savings account after maturity. The same is not reflected anywhere in my account statements.

Further, I found out that my FD account has been renewed without intimation on 26.03.2012 with a current amount of Rs. 42097.54/-. The maturity for the same is on 11.04.2013.

I never received the renewed FD statement on our permanent/communication address, nor any call on the registered mobile number nor any written communication on the communication address for the same.

Interestingly, even the renewal of the FD account is not reflected in my account statement.

Further, I find that after the inexplicable deductions of the bank, when the account balance reached below Rs.10000/-, the bank started deducting an amount of Rs. 827.25/- every quarter without ever intimating us. Later, when the balance amount reached below Rs. 5000/-, another amount of Rs. 275.75/- initially and later Rs. 393.26/- started getting deducted from my savings account every month.

And shockingly now my account balance is approx 2500/- only!!

Now, I have following observations & queries that you would like to comment on:

1) Why was my maturity amount of the FD of Rs. 45000/- not credited to my savings account?
2) Why there is no reflection of the FD amount any where in my account statement during 2011 or in 2012?
3) Why was the FD renewed suddenly in 2012 without prior intimation to us in any form?
4) Why was all such deduction initiated without ever intimating to us?
5) If the FD amount was credited to my savings account as it should have been, then my balance amount would never have reached below Rs. 10000/- or Rs. 5000/-and all such deductions would never be applicable.

The above observations clearly indicate misappropriation of my money by the bank and its staff.

I request you to kindly get me refunds of all the undue deductions to my savings accounts with due interest.

Thanking You



Yours sincerely



(Sudha Tiwari)
M: [protected]/[protected]

Dear Sir,

I have applied for a land loan for my plot no.D-191 located at Ansal sushant city ajmer in HDFC Pune branch on 20th july as i have my own company challenging horizons private ltd. in pune.The office personnel had promised me to disburse the amount within 12 working days.I have been following up your office executives daily for last 60 days still there is no progress and they are behaving in so irresponsible way.sometimes they are not receivng my calls,everyday they are giving me some excuses.Mr. Bhavik[protected] promised me that it will get sanction till 20th August12.Now its 10th sep12 .my file no of loan is[protected].

SIR PLEASE HELP ME I NEED YOUR ASSISTANCE,I WANT TO ASK FOLLOWING QUESTIONS TO HDFC MANAGERS.SO PLEASE FORWARD MY THIS COMPLAIN TO HDFC AND GET MY LOAN SANCTIONED AT THEEARLIEST.IM HIGHLY FRUSTATED NOW,

MY FURTHER POINTS ARE FOR SLEEPING HDFC MANAGERS.

1. HAVE I MADE SOME MISTAKE BY APPLYING THE LOAN WITH YOUR BRANCH?
2. HOW COME YOUR EMPLOYEES BE SO IRRRESPONSIBLE TOWARDS THIER DUTIES?
3. WHY THEY PROMISED TO DISBURSE THE AMOUNT IN 12 WORKING DAYS?EVEN THOUGH HDFC AJMER OFFICE HAS TIE-UP ANSAL PROPERTIES & INFRASTRUCTURE AJMER.
4 WAS IT MY FAULT THAT I RELIED HDFC BANK? AND NOW JUST BECAUSE OF YOUR DELAY I AM PAYING 500/-PER DAY INTEREST TO ANSAL
5. WHY SHOULD I PAY FOR THE MISTAKES OF YOUR BANK?
6. DO YOU TAKE 60 DAYS TO DISBURSE A LOAN WHEREAS I HAVE MY OWN COMPANY WHO IS HAVING A GOOD MARKET VALUE?
7. IF YOUR BANK IS UNABLE TO DISBURSE MY LOAN WHY THEY KEPT MY APPLICATION AND KEPT ON GIVING ME FALSE INFORMATION THAT ITS GOING TO GET SANCTION IN A DAY OR TWO?
8 WHERE SHOULD I GO NOW FOR MONEY?
9. WILL U RESOLVE MY PROBLEM IN TWO DAYS BECAUSE ANSAL IS GOING TO CANCEL MY ALLOTMENT AND THEY WILL FORFEIT MY COMPLETE DEPOSIT AMOUNT(96876/-)
10. WHY SHOULD I BEAR THIS LOSS?
11. DOES HDFC HAS SUCH A POOR DEALING WITH CUSTOMER TAHT CUSTOMERS HAS TO FOLLOW UR OFFICE EVERYDAY?EVEN GOVT. OFFICES DO NOT DEAL A CUSTOMER SO ROUGHLY?
12 WHAT ACTION YOU ARE TAKING AGAINST YOUR EMPLOYEE'S MR. Mr Bhavik –[protected] AND MR. Mr Amit Nikalje – [protected] FOR GIVING ME FALSE STATEMENT AND MAKING ME FOOL FOR 60 DAYS?


FURTHER I STATE THAT IF THIS LOAN WILL NOT GET DISBURSE IN NEXT 2 DAYS I WILL WRITE THE SAME MAIL TO YOUR STATE HEAD AND COUNTRY HEAD.I HAVE ALSO SPOKEN TO THE TOLL FREE NUMBER FROM WHERE I GOT YOUR ID. HOPE YOU WILL HELP ME TO GET THIS LOAN DISBURSE IN NEXT 2 DAYS ONLY BECAUSE I DONT HAVE MUCH TIME.AFTER 2 DAYS I MAY LOOSE THE DEAL AND IF I LOST I WILL GIVE A LEGAL NOTICE TO YOUR BANK TO DEBATE IN CONSUMER COURT AND I WILL ALSO ASK FOR THE COMPENSATION FOR MY LOSS.
HOPE YOU WILL DISBURSE MY AMOUNT IN NEXT TWO DAYS OTHERWISE PLEASE PROVIDE ME THE CONTACT NUMBER OF YOUR COUNTRY HEAD/GREVIENCE HEAD OF COUNTRY SO I CAN LOADGE A LEGAL COMPLAIN FOR DELAY AGAINST YOR BANK.
KINDLY EXPEDITE.


THANKS & REGARDS
BHUPENDRA SINGH RATHORE
[protected]

DEAR SIR/MA'AM,

THIS IS REGARDING THE SETTLEMENT OF MY CREDIT CARD NO. [protected] NAMED SHIRISH S CHAURASIA.


CURRENTLY I HAVE A JOB WITH VERY LESS SALARY AND MY FINANCIAL CONDITION IS VERY BAD BUT STILL I AM READY TO DO SETTLEMENT. BUT THEY ARE NOT READY FOR THE SETTLEMENT AND KEEP CALLING ON OFFICE NUMBER CONTINUOUSLY (THEY ARE NOT READY TO TALK ON MY CELL), AND STATING THAT THEY WILL KEEP CALLING ON OFFICE LANDLINE NUMBER WHEN I AM AVAILABLE ON MY CELL WHICH IS AGAINST LAW. I AM FILING COMPLAINT HERE AND ALSO GOING TO FILE COMPLAINT IN POLICE STATION NEAR TO OFFICE AND THE POLICE STATION WHERE I USED TO STAY.

IF I LOSE A JOB BECAUSE OF HARASSMENT FROM HDFC CREDIT CARD DEPARTMENT, I AM NOT GOING TO PAY SINGLE PENNY AND WHATEVER HAPPENED TO ME, HDFC BANK AND HDFC CREDIT CARD BANK DEPARTMENT WILL BE RESPONSIBLE.

I AM NOT STAYING IN CURRENT ADDRESS BECAUSE THAT HOUSE DOES NOT BELONG TO ME, THE HOUSE IS ON MY ELDER BROTHER'S NAME AND THE PROPERTY IS ON PAGADY SYSTEM, I WAS STAYING ON RENTAL BASIS. THEY HAVE RECEIVED MY NOTICE FROM CHENNAI STATING ABOUT CREDIT CARD PAYMENT AND TO SEAL THE HOUSE AND MOVABLE AND IMMOVABLE PROPERTY. MY BROTHER CALLED ME UP AND SAID THAT THE HOUSE BELONGS TO HIM THEN HOW CAN HDFC CREDIT CARD COMPANY CAN SEND SUCH A LETTER WITHOUT ANY INVESTIGATION THAT WHETHER THE PERSON IS STAYING IN THAT PLACE OR NOT. DUE TO THIS I AM FACING FAMILY PROBLEM.



REQUESTING YOU TO PLEASE INTO THE MATTER AS EARLY AS POSSIBLE

AWAITING FOR YOUR POSITIVE AND QUICK RESPONSE.

My self Lilesh Dinanath Vartak, Bachelor Degree B.com, age 41, total exp-20+, currently working with Gammon India Ltd. Since Jan 2011- till date, my designation is Storekeeper, currently I am posted at west Bengal Jalpaiguri, Maynaguri for one of the central government irrigation project i.e.-Construction of DY6 6 Teesta Jaldhaka Main Canal From 0.00 k.m. to 17.83 k.m. including its Structures and 12 no’s of Minors with total length of canal Approximately 53.181 k.m. in P.S. - Maynaguri. Dist.- Jalpaiguri(approx. value of this project is 136 Cr. first phase.)
I am staying in company accommodate with having family status. I am applied one of the Siliguri HDFC representative his name is Mr. Ashok his contact no- [protected] & mobile no is- [protected] & Mr. Gautam Day- mobile is -[protected]. I have submitted relevant required documents to them regarding personal loan requirement.
Now, after taking telephonic confirmation they both inform me that your loan application is not granted due to your designation is mention in your salary slip is Storekeeper.
And other hand one of my colleagues applied for same personal loan, having same profile but his designation is Assistant Accounts will get the loan.
This make me surprise what is my mistake that I will not get personal loan please clarify this ambiguity.
Regards,
L.D.Vartak- [protected]

Dear all,

From the HDFC Bank branches I am receiving calls on late nights and government holidays as well as sundays for selling their products. If not accept also they compelling to attend small introduction of their products.

I am avoiding my name due to I am customer of that bank and I should visit again the branch still closer of my accounts.

I am Faheem mohammed having a HDFC Bank Credit Card. And my Card no is [protected]. On 14th Sep 2012 at 10:28:48 P.M., I have been informed by sms on my mobile no. [protected] that Rs. 24000/- (Twenty Four Thousand) has been debited from my card account in ETSAFE POS D at NETSAFE. The said transaction has been done without my knowledge & approval. I am 100% sure that my card has not given to anyone and did not share any information regarding secure details and not stolen too.

The same incidence has been informed to the HDFC Bank on the same date by the telephonic conversation and the CDF form also drop in HDFC Card Box on[protected].

I request to your kind self to look in to the above on an emergency basic.

Name—Faheem Mohammed
[protected]@live.com
Mobile.No.-[protected]
Credit Card No.- [protected]
With regards
Faheem Mohammed

TO
WHOMSOEVER IT MAY CONCERN!

I HAVE OWNED HDFC BANK CREDIT CARD IN 2008.I HAD USED IT & WAS PAYING MINIMUM AMOUNT DUE REGULARLY UPTILL NOW.
HOWEVER TO MY SHOCK, I HAVE FOUND THAT THE AMOUNT SANCTIONED BY BANK WAS RS 40,000.00 AS AGAINST I HAD MADE PAYMENT OF 1,20,000.00.

CONSIDERING THE FACT THAT THAT I HAVEN'T MET WITH BANK'S TIMELINE TO PAY THE OUTSTANDING AMOUNT DUE ,SERVICE TAX,LATE PAYMENT CHARGES,WHICH BANK RELIGIOUSLY APPLIED ON MY EVERY BILLING CYCLE, I HAVE PROACTIVELY MADE AN EFFORT TO FIND OUT THE RESOLUTION TO THIS ISSUE...

HOWEVER TO MY UTTER SURPRISE NONE OF THE BANK OFFICIALS , EVEN SENIOR MOST OFFICIALS TO THE TUNE OF VICE PRESIDENTS , B.O.D'S EVEN DIDNT BOTHER TO FIND OUT THE RESOLUTIONS THINKING OUT OF THE BOX FOR THEIR REGULAR CUSTOMERS!!


NOT ONLY THIS TILL NOW HDFC BANK OFFICIALS ARE REGULARLY GIVING ME CALLS & INDULGING IN THE SAME OLD ARGUMENTS, EVERYTIME SOME NEW CUSTOMER LADY...WHO DIDNT EVEN HAVE FONE MANNERS!!!

HENCE I WOULD LIKE TO KNOW WHERE CAN I COMPLAINT ABOUT THIS HARRASEMENT BY HDFC BANK.AS I HAVE BEEN BEATING AROUND THE BUSHES BY SENDING THE EMAIL ID'S TO ALL OF THEIR SENIOR MANAGERS & EXECUTIVES.

KINDLY GUIDE IF ANYONE HAS THE SIMILAR EXPIRIENCE!!!

REGARDS

NIKHIL PANDIT

On 9th sept'12 I tried to with draw money from the SBI ATM but my transaction got cancelled with a response message saying "response time out"

the same message i got for my transaction for the 2nd try too. but i am surprised to see that the cash has been debited from my a/c for both the failed transaction.

on 10th i gave a complaint against the same but i have not yet got any satisfactory response on the same.

the same thing happened with some of my colleagues as well , finally they got their money back post going to consumer court.

my failed transaction reference no are[protected] &[protected] both are on SBI ATM).

Customer ID : 22280477


pl help.

Dear All

It is a pity to write to you this email from me after all the fruitless telephone calls made by me without getting any positive reply from your end. My Name is Sandip Mukherjee and I am working as Senior Manager Legal in WPIL Ltd a company having quite a hefty transaction with your bank which is presumed to be the best bank in the Asia Pasific region. I am looking after the administration of my company which is having salary account at HDFC BANK Ltd of at least 500 employees working in WPIL Ltd.

One executive from your sales department contacted me over phone and enquired whether I have any personal loan requirement. I agreed to apply for the same but prior to application i checked out from the website as to what is my eligibility and found that i am eligible to apply for Rs 5,00,000/- and at present i am having Rs 1,60,000/- so I decided to apply for Rs 50,000/- as top up which will bring my loan amount to Rs 2,10,000/-. I had submitted my documents being: a. My salary slips for the months of May 2012, June 2012 and July 2012. Photocopies of my PAN Card. My passport size photo on 26.8.2012 and my address proof. Then on 31.8.2012 I received an SMS stating that my appilication is filed and subject to verification the loan will be sanctioned and after the same is sanctioned i will have to issue three cheques in favour of HDFC Bank Ltd and sign a loan agreement and after executing the same the amount will be credited to my account. In this regard I would like to mention that My gross monthly salary is Rs 62,000/- and my net take home pay is Rs 52,000/- and the EMI that i am paying is Rs 4700/- and the enhanced EMI will be Rs 5400/- which I will comfortably be able to pay and as such i am eligible for the said loan. But till today i am not able to get it and the reasons being citied by your credit department which I came to Know from your sales department is that i have a civil posting against me and the said posting was done by one Mr Rishi Kant Singh a person who is supposed to be an employee of Home loan department. In this regard I would further like to state that few days back I had enquired for a home loan from the site and an executive being the one Mr Rishi Kant Singh called me back through his cell number being [protected] and had sent me a check list from his email id being [protected]@gmail.com that after procurement I was supposed to have given him had the property in question had been clear. Since I had dropped the said property due to titular dispute therein I had informed the said Mr Rishi Kant Singh and had closed the issue. Please note that I did not hand over any documents nor did I sign any papers therein. Even to facilitate your personal loan department I had forwarded all the mails that I had exchanged in regards to the said enquiry for home loan to jyotibrata.[protected]@hdfcbank.com and Partha.[protected]@hdfcbank.com. But still now I am yet to get any response from your personal loan department credit section.

My complaint is for :-
1. Lack of services from your concerned department.
2. Harrassment faced by me from 26.8.2012 till date.
3. Loss of my respect for the commitment made by me upon your persons failure in assuring for settling the issue within 48 hours.
I would like to register a complaint involving the above causes and give me a complaint number and look into the issue within next 48 hours and if I am eligible sanction the personal loan applied by me. My official email id is s.[protected]@wpil.co.in and my personal email id is [protected]@gmail.com and my cell number is [protected].

In this regard i would also like to mention the fact that the concerned employees involved in misleading me and harassing me should be enquired into and should be punished so that no other persons like me are harassed like this.

Thanks and Regards
Sandip Mukherjee

To

Sub : Case Number : 67431 / 2011 , letter dated : 17/6/2011 (HDFC v/s Srivalli Krishnan)
HDFC Bank Limited
Credit Card division, 110 Nelson Manickam road , Aminjikarai, Chennai – 600029

Srivalli Krishnan -

I am Srivalli’s husband and would like to represent her in this matter.
Key facts :
My wife Srivalli had a credit card from HDFC xxxx-xxxx-xxxx- 6103 from HDFC since 2006. Without her consent or written approval the bank had added a new loan product to the card and started charging the same in subsequent bills. We saw the EMIs reflecting amounts which were unapproved at very high interest rates.

We had called their customer service numbers , but it was not altered. We gave written requests in the HDFC branch asking clarification of the same and removing this loan amount . They acknowledged the error by their sales / call centre agents and had suggested paying back in lump sum amount to clear just principal due and promised to close the loan product without any of the charges . Srivalli made the lumpsum payment in 2 installments.
But we were surprised that the card was not closed and surcharges continued to reflect in subsequent statements as ‘penalties, late fees, min. balance fees’ etc., which were over 200% higher than even the loan amount. We raised this issue to HDFC Ombudsman , but there was no progress in resolution.
Further, HDFC bank had started harassing and abusing over phone my parents and her parents , late at night trying to coerse us to pay. I intervened to have all their contact numbers removed from their database and said the only person they need to talk to is myself , Valli’s husband.
The case was referred to Lok adalat , but none of their representatives came to court to settle. They continue to mount surcharges and claiming we have dues of 4 lakhs now with them.
Inspite of RBI guidelines, and professional code of conduct they always take ‘soft targets’ like my dad and Srivalli’s parents when we are not around and have been sending thugs and abusive callers all the time .
In one such incident , they had tried to pull my wife , who was wearing only a night dress, in public and physically assault her. This was caught on camera and is being produced below. My father, who was constantly being harassed by bank agents, owe to undue stress , passed away in April . We have been in utter shock.
We approached the local police station (Thiruvanmiyur , Mylapore) with evidence. The concerned person was called and warned, but he said he was from an outsourced third party agency ( not a HDFC bank employee) and was asked to do so by the bank officials to complete the collection targets.
This whole series of events has caused undue stress for my entire family , for a loan product we never even applied for.We feel the amount being requested us to pay back is absolutely baseless, infact in contrary, my family have been subjected to immense physical and mental stress for past several months by the bank and its officials. We find the bank’s techniques and operations as very cunning and derogatory.
The calls had stopped for some time but once again in past week has restarted calling my inlaws in Bangalore who are senior citizens. They have sent threatening SMS that they would send people to physically coersce them .My PA , Mr. Vijaykanth is visually challenged, and they have been sending people to office and haggling him for past 2 days.

This time we want to make a formal FIR and proceed on criminal grounds to take legal action against the bank and its key staff/agents. (submitted to Aminijikarai police station)

1. Ms. Devi : [protected] ,[protected]
2. Vijay Balaji :[protected]abusive phone calls)
3. Dinesh verma :[protected]sms threat)
4. P. Subash – APS associates :[protected]

Key sections :
• Cheating (Section 415-424),
• Counterfeiting (230-263A and 489A-489E)
• Criminal Breach of Trust (Section 405-409)
• Outraging modesty of women (Section 354 )


We hereby declare that as the matter warrants a more thorough investigation on above criminal acts and also to banking regulatory bodies to deny licenses to operate such unauthorised credit products.

Dated : 12/ sep/2012

Yours respectfully
M. Venkata Subramanian
(spouse of Srivalli Krishnan)