HDFC Bank Complaints & Reviews

I wanted to cancel my HDFC ERGO health insurance policy : 50649078
Ref no : HN[protected] and my rejection reference number is 50649077.
First of all I am cancelling my policy because I am not able to make the payments and now I have been told that I need to pay 75% of the premium and only 25% will be reimbursed and they say that it is clearly mentioned in the documents ,
But the documents containing the rules was given to me only after buying the policy and that too 18 days after buying the policy and even no document was provided to read before buying the policy nor they told me on call

Infact I was fooled by them by giving me wrong information like the insurance can be used even for OPD treatments ( I have the call recorded in my phone and have the proof for the same )

So if they tell me I should have read the conditions before buying the policy I would say the documents containing the rules and conditions was provided to me only after buying the policy and that too after 18 days .

I just kindly request you to cancel my policy and refund my amount .

Is this true or SCAM?
They said I won but I have my doubt. I don't know if this is true or scam. Can you tell me if this is true. By the way, this is the first email I recieve and I respond to this.

The Promotion Microsoft Award Centre India
Enkay Tower Udyog Vihar V Gurgaon
122 106.New Delhi,India

GOVERNMENT ACCREDITED LICENCE
REGISTERED UNDER DPA(Registration 0201GFRM-7)


Dear Beneficiary: _____________________________________

No tickets were sold out. All participants were selected through a random computer ballot system drawn from over 200,000,000 companies and 300,000,000 individual Email address from all over the world. The aim and objectives of this programme is to empower beneficiaries financially against the back drop of the global financial melt down affecting member countries and the other selected countries.

This promotion is approved by the British and Asia Gaming Board and also licensed by the International Association of Gaming Regulators (IAGR). I have personally verified and confirmed that you have been awarded 500,000 Pounds in this year's round of the Reward Scheme, a World Bank Certified Demand Draft ( Cheque) with a Cash Value of 500,000 British Pounds which you will use to withdraw your Money in any Bank in your Country has been issued out in your name by our paying Bank .

YOUR WON PRIZE IS CONSISTING OF A BRAND NEW H.P LAPTOP AND A SEALED WORLD BANK CERTIFIED DEMAND DRAFT WITH A CASH VALUE OF 500,000 POUNDS HAS BEEN ISSUED OUT IN YOUR NAME.

[protected][protected][protected][protected][protected][protected][protected][pr...⇄

PAYMENT OPTION

Our mode of payment states that your money will be Transferred to your chosen Bank account through Telegraphic Online Transfer, The online transfer is the fastest way of sending payment to winner's in they are various country,so you have to contact our transferee bank for your winning prize to be Transferred to you directly into your account in your country.


Please contact the HDFC BANK in charge of your remmittance through email with below information for immediate Transfer of your Money.

Contact HDFC Bank with your account informations for immediate Transfer of your Money to your choice bank account in your country.

Send a Scan copy of your ID proof or Driving Licence

CONTACT DETAILS OF HDFC BANK

FOREIGN REMITTANCE DEPARTMENT HDFC BANK
DEPARTMENT OF CURRENCY ONLINE TRANSFER

HDFC BANK INDIA
Tel:+[protected]
Fax:+[protected]
Email:[protected]@admin.in.th
Operational Manager: Mrs Ajay Kumar



We have entered your details in the MICROSOFT CLAIMS FORM and your ATM Master card has been issued promptly.

On behalf of Microsoft Promotion Office India, I say a very big Congratulations to you once again.

Claims Officer
Yours Sincerely,
Mr JOHN BRUCE


And this is the scond email...


From: HDFC BANK <[protected]@admin.in.th>
To: [protected]@ymail.com
Sent: Monday, July 30, 2012 2:35 PM
Subject: HDFC BANK ONLINE (R) ONLINE TRANSFER PROCEDURE

Chief General Manager-In-Charge,
Funds Remittance Department
HDFC BANK,NEW DELHI
S-355, Gamal Abdel Nasser Marg,
Panchshila Park South,
Panchshila Park
New Delhi,[protected]



HDFC BANK : International Transfer Unit.
Our Ref : FL/04/7362071XM09

Funds Transfer Notification In The Amount Of 500,000.00 Pounds Sterling Only.

Attention:Dear Esteeemed Customer ( )

You are required to Provide the following details for an Online Transfer of your money.

Name of Bank: BDO
Account Holders Name: NONE
Name of Branch:
Bank address:
Account Number:
Swift Code:
Your Email:
Your Contact Address:
Occupation:
Contact No:
Alternate No:
Next of Kin:
Relationship with next of Kin:
Country:
State:

Also attach a scanned copy of your I.D card for proper identification purpose.

Sincerely,
Miss Ashas Datta
Online Transfer Officer
HDFC BANK
Tel:+[protected]
Fax:+[protected]
EMAIL :[protected]@admin.in.th
EMAIL :[protected]@accountant.com
EMAIL :[protected]@hdfconlineshore.cu.cc

***************WARNING*****************This message was sent from the Online Accounts Department of HDFC BANK. It is only designated for intended recipient only.If you have received this emailing error you should immediately discard it without transferring or storing any of it's content.Anyone caught not abiding with these rules will be made to face the law as all communications are officially meant for Hdfc Bank Of India customers only.


Hoping for your respond.

sir plz kch karna jarur


i will wait for ur action n i will fell this in brnch by the time u take a sturn action


goodnight i have faith in your services this is the reASON THAT I M SENDING THE COMPLAIN AGAIN


IT MUST B COVERED UP

. REDUCE THE A/C OPENING TIME

Respected Sir,

My two wheeler loan A/c No. 19492661 installment is been paid regularly but this month i.e. July it is informed that there are insufficient funds in my account by your employee and I have payed the amount in cash to clear the installment due as the your employee said that it is impossible to re represent the cheque in the bank, but there are sufficient funds in my account when the cheque is represented, as the bank statement shows.Apart form this they have represented the cheque in the bank and cleared the installment again.After that when I came to know this your employee had said that the amount will be given back, but I have received only Rs.1754/- out of Rs.2204/-.Now I want to know why the amount Rs.450/- has been deducted from the total amount which I am about receive without any information. Kindly respond for the above mentioned complaint immediately.

RAAJENDER RAO
[protected]

End of the day for the bank means midnight 12:00 AM, this you'll not come to know when you are depositing, The bank will put all the clearance doubts on RBI, and will easily say, whatever delay is there is due to RBI, but will promise you 24 hr clearance when you deposit the cheque. Please don't go with HDFC, worst support on your finances, worst customer care, and people sitting on phone don't know the banking procedures even.

HDFC is the most worst bank I have ever come across, when they need your credit card payment, you'll receive 100s calls per day, but when its a question of your concern, they'll not even bother to reply and will speak of rules and regulations, If you want a service level satisfaction please don't opt HDFC go to any other bank.

I am an MBA. I had joined the company as a trainer on a third party payroll. I was told that I would be confirmed in three months and latest by six months. I was hired as a Trainer consultant so they would not have to pay any PF.
After 3 months there was an assessment done and none o[censored]s were selected. We were told that you are being given 3 months on work on your skills.
3 months later I was transferred to another location in Delhi NCR. The cost of living was almost double to my earlier location. The manager over there was more interested in making me resign from the company rather than helping me out.
Eventually I resigned as I did not see the confirmation happening.
ONE SHOULD AVOID ALL JOBS WHICH ARE ON THIRD PARTY PAYROLL.
THEY ARE MEANT TO MAKE A FOOL O[censored]S AND GET CHEAP SLAVES FOR THE COMPANY.
About the functioning of insurance companies - Most of the policies are MIS SOLD. You can Google it or search in similar forums. It is not only HDFC Life but most of the insurance companies.
It was very common to sell ULIPS asking people to pay premiums for only 3 months and withdraw money the 5th month.
There are bizarre incidents wherein agents have convinced people to invest their PF amount or money saved for their daughter’s wedding in policies informing them that it is similar to a Fixed deposit or single premium policy.

I an MBA and was recruited by HDFC Standard Life now HDFC Life on a Third Part payroll as a Trainer.

I was told that i would be confirmed after three months of joining and a maximum of six months of joining.

On completion of three months they conducted an fake assessment and did not confirm any of the six o[censored]s who had joined the company saying that you need to work more and we are giving you three more months.

Three months later i was transferred to another location. The place was expensive and i had difficult time managing my expenses. The manager over their was more interested in making me resign from the company instead of helping me out at the new place.

I eventually resigned from the company as i felt their was no point in continuing the job as the confirmation would be done by the manager and he was in no mood to let that happen.

Moreover most of the policies in most of the insurance companies are mis sold.

It was very common to sell ULIPS telling the customer to pay premiums for just three years and withdraw money after fifth year.

Apart from that their are bizarre cases of regular premium policies being sold as a single premium policy for a high amount

I know incidents where an elderly person had invested his total provident fund amount in an insurance policy, on being convinced by an agent that it was similar to a fixed deposit.

Their are incidence of term plans being sold as instruments providing return on maturity

The following is the mails sent to HDFC for A/C No:[protected] but no reply/revised statement received from HDFC
Praveen Gupta
[protected]

Fwd:3rd Reminder reg. mail dtd. 22-5-12 for difference in amortization stt.

Ashok Kumar Gupta Gupta
Jun 12

to pritams
Sir,
I am sorry to taking your time for my earlier mails noted below. Will it not showed that after sale service or when the customers comes in your net, you have no time to remove his grievances. If you have no time, please tell me to whom I should contact. Once again I am waiting for your reply.

Thanks
Yours faithfully

Praveen Gupta
[protected]

[protected] Forwarded message[protected]
From: Ashok Kumar Gupta Gupta <[protected]@gmail.com>
Date: Mon, Jun 4, 2012 at 12:30 PM
Subject: Fwd: 2nd Reminder reg. mail dtd. 22-5-12 for difference in amortization stt.
To: [protected]@hdfc.com


Sir,
I have not received the reply till date.Pl. expedite the intimate the position.
Thanks.Yous faithful

Praveen Gupta
[protected]


[protected] Forwarded message[protected]
From: Ashok Kumar Gupta Gupta <[protected]@gmail.com>
Date: Tue, May 29, 2012 at 7:24 AM
Subject: Reminder reg. mail dtd. 22-5-12 for difference in amortization stt.
To: [protected]@hdfc.com


Sir,
Pl. refer my mail dated 22-05-12 for reply is not received so far. Pl. expedite. Further, As per RBI guide lines, interest rates had been reduced but in my case the same is not implemented. Pl. reduce the interest rate also and let me know the correct position of the balance loan amount.

Thanks Yous faithful

Praveen Gupta
[protected]

[protected] Forwarded message[protected]
From: Ashok Kumar Gupta Gupta <[protected]@gmail.com>
Date: Tue, May 22, 2012 at 7:25 AM
Subject: Difference in amortization stt.
To: [protected]@hdfc.com


Sub:- Difference in closing/opening balance.

Sir

Reg. amortization statement for A/C No:[protected]

On the perusal of the same, it is seen that following transaction/amount paid for the
account is not taken into account. Hence, there is difference in Closing/Opening Balance

1 1st amount paid by cheque no. 285519 as pre EMI which was credited
to HDFC on 24.06.11 & not taken into account Rs. 3792

2 1st regular EMI was paid by cheque no. 285519 (Post dated cheque)
which was credited to HDFC on 05.07.11 but the interest was
charged for full month instead of proportionately. . 12780 Full month Intt.
Hence principal less adjusted by (12780*12/30)-5512 Rs. 7668 5112 proportionate Intt.
3 In view of above 1 & 2, excess interest was charged and less principal 7668 Diff.
is reduced by as per statement enclosed.

4 On 7-01-12, Pre Payment of EMI of Rs. 1,50,000.00 was paid
by cheque no. 22536 including interest of Rs. 221/- which (intt.) is not
shown in the statement.
5 Regular EMI of Rs. 24000/- for month of May (dtd.[protected] appears does not taken into account.
6 On 8-5-12, Rs. 3,06,619-00 was paid by cheque no. 234022
but Rs. 619/- is not shown in the statement.
As per my calculation, balance loan amount after adjustment
of Pre Payment dated 8-5-12 is Rs. 9,51,747/- instead 9,81,432/=.
Please reconcile the account with my statement and intimate me.


Yous faithful

Praveen Gupta
[protected]

Comparision HDFC amortization Copy of[protected].xlsx Comparision HDFC amortization Copy of[protected].xlsx
15K View Open as a Google spreadsheet Download
Ashok Kumar Gupta Gupta

Jun 13

to dharmendrac, vaibhavt, devenders
Sirs,
I am forwarding the mails sent to [protected]@hdfc.com as he replied my mail to contact to you.


Thanks
Yours faithfully

Praveen Gupta
[protected]

I am out of the office until 06/23/2012.

please contact :
[protected]@hdfc.com ,[protected]@hdfc.com ,[protected]@hdfc.com


Note: This is an automated response to your message "Fwd:3rd Reminder reg.
mail dtd. 22-5-12 for difference in amortization stt." sent on 6/12/2012
5:37:56 PM.

This is the only notification you will receive while this person is away.
Comparision HDFC amortization Copy of[protected].xlsx Comparision HDFC amortization Copy of[protected].xlsx
15K View Open as a Google spreadsheet Download
Ashok Kumar Gupta Gupta

Jun 25

to pritams, dharmendrac, vaibhavt, devenders
Sir
I am very sorry to sending this mail again and again as I am not getting response neither from you nor from your office from the person advised by you.

This is the way of your services that you are not bothering about to give him some time to resolve his quarry.

If it is not your work to answer your consumer after he purchased your product. Before purchasing the product the customer you chasing him and thereafter you forget him when he became your customer.

If it is not your job,please tell me to whom I should contact.
Comparision HDFC amortization Copy of[protected].xlsx Comparision HDFC amortization Copy of[protected].xlsx
15K View Open as a Google spreadsheet Download
[protected]@hdfc.com
[image][image] THANKS AND REGARDS VAIBHAV TIWARI Disclaimer :The information ...
Jun 25
Ashok Kumar Gupta Gupta

Jul 6

to pritams
Pl, see my original mail dated May 22, 2012 which still not replied. PL. INTERVENE IN THE MATTER AND GET IT RESOLVE. .

Yous faithfully

Praveen Gupta
[protected]
Ashok Kumar Gupta Gupta

Jul 23 (3 days ago)

to pritams
Sir
I feel very sorry to write again & again but you & your office is not wake up to resolve the matter.
PL. INTERVENE IN THE MATTER AND GET IT RESOLVE. .
Thanks


Click here to Reply or Forward

People (4)
vaibhavt

I had gone to HDFC Bank branch in Sector 50 Noida and I was forced to take an Insurance policy by HDFC. I complained several times and had paid Rs. 50,000 in 1st year. The HDFC Insurance spoke to me in the 2nd year and told me to pay Rs. 10,000 from 2nd year onwards and take back the money on completion of 3rd year. I paid another Rs. 20,000 in the next 2 years and when I surrendered after 3 years, I got only Rs, 28,000 despite having paid the Insurance Company Rs. 70,000 in 3 years.

I complained to many people but no one listened. When HDFC Bank and HDFC Insurance are 2 separate companies, why did the Bank force the Insurance policy to me? Can I complain to RBI or IRDA? I know these 2 government bodies may also not do much as they have representatives from Banks and Insurance companies working in them.

Please let me know how to proceed on this...

Hello Sir,
1. At the time of applying the credit card the customer representative told that I have won HDFC platinum card as complementary gift, even the brochure they showed me the platinum credit card. But when I got through post I got Gold credit card. I complained the Customer care but no response.
2. I got the HDFC Gold credit card No: - [protected] dated on 06/12. At the time of discussion HDFC representative told me that the is the complementary gift so you don’t need to pay any dispatch & other charges. but in the last 3 days I have got 4-5 messages from hdfc bank for the dispatch bill & min due charges(500rs).There is no proper response for the queries from customer care. Very pathetic service.
Due to this reason i am not interested to use the credit card .So pl.Cancel my credit card.
Note: Even for cancellation there is no proper procedure from HDFC representative

Regards,
Firdose

I have a saving account in HDFC Viman Nagar, Pune branch from 2008.

I requested to convert the same to Salary Account in Aug 2011.

Accordingly, I was told that the account has been converted to salary account with 0 balance in Sept. 2011.

But still the Minimum balance fees(AMB,AQB) is deducted from my account.

When I logged complaint at HDFC, customer care associate replied me saying the account can not be converted to 0 balance account (It is converted to Salary Account).

When I approached Branch Manager of Viman Nagar branch, she told me to meet the HDFC's Corporate Representative for your company.

Accordingly I called Mr.Prabhakar & explained him the scenario on 4 July 2012. He told me that there should not be any min. balance fees for Salary Account. If it is deducted,you will get refund in 15 days.

When I called him after 15 days , he says it will get credited within next 2 days.

There is neither any refund nor any communication from HDFC till now.

Is this the way HDFC works?

Anand
[protected]

Hi

I have applied online for HDFC Gold Credit Card. Within 1-2 days their agent contacted me and came to my home with Application form. While filling the from I saw there is no option for GOLD Card. he told that "Now HDFC Bank stopped issuing gold credit cards so you have to take Titanium edge, and their minimum credit limit is 75,000 - 1,00,000". I have agreed with him. But When I received my card I got only 35000 credit limit. Also one of my officemate received their HDFC GOLD Credit card with 60,000 credit limit, I get shocked, that Agent Misguided me. Why do I pay higher annual fees for less credit limit. Which is similar to GOLD Card.
Annual fees:
Gold card: 199/- + Taxes
Titanium edge card: 599/- + Taxes.

It’s very unfair. I request HDFC to kindly change my card with GOLD Card or tell me the procedure to surrender it ASAP.

Name: Abhay Narayan Singh
Location: Lucknow

Agent Name: Lalit

Please contact on the above number for card/other details.

Thanks.
Abhay Singh

Recently i tried to purchase a flight ticket from spice jet using credit card on 17-06-12 but the transaction was declined from the spice jet so i have purchased a new air ticket from the same spicejet for the same date and time of travel on 18-06-12 and that transaction was executed
the complaint is both the transaction were reflecting in the statement and when we enquired from the spice jet they are declining the transaction on 17-6-12,
but bank is not crediting the amount into the account.
please solve this problem
the details of credit card
no [protected]
hdfcbank, shamshabad, Agra

I am Rajesh sawant and i had tried to withdraw Rs. 2000/- from my AXIS bank debit card at about 7.30 pm on 19.7.12 from HDFC ATM at orlem malad. I tried twice but the message shown was, timed out . I did not receive any money. As there were two machines I tried there but could not withdraw then I withdrew the cash from my wifes Indian Bank debit card. from the other machine in the same ATM. I then received an SMS from AXIS bank that Rs.2000/- has been debited, but actually I did not receive anycash from ny AXIS bank card. It is therefore requested to credit the same in my account.


THank You.

Hi,
My name is veerabhadradra rao kaki, working in a private company hyderabad, i have two accounts in HDFC Bank, savings and salary account, the account numbers are
1) [protected] - Savings Account
2) [protected] - Salary Account

I opened my HDFC savings account ([protected]) on dec 2011 and i applied for Credit Card through online reference no: [protected]S3, after that i got a call from hdfc executive saying that i have to submit the salary slip, address proof, pan card and contact details through courier or hdfc bank to the head office chennai, then i sent all these documents through courier and through hdfc bank also but i didnt get any response from the hdfc executives and i sent those documents five times to chennai head office, and i call to hdfc credit card department executives so many times they are not answering my queries and upto 2 months i called to them but they said my credit card request was rejected, i asked "whats the problem i sent the documents what u said', then they said we are unable to process and after they didnt respond to my calls.

In May 2012 i opened my salary account ([protected]), this time i went to my local branch to apply for credit card reference number and consulted the credit card executive, i filled and submitted the documents what they want and i gave address proof, salary slip, and my company contact details, after 1 week i got a call from hdfc executive and enquired my birth details and company details , and they called to my company and enquired , they got all the information and called me back and said "sir we got the conformation form your company and your address proof is also correct with in few weeks we will process your credit card", after that i saw the online status it was rejected , then i called to the executive[protected] and asked why it was rejected they said " sir we are the third party agency for HDFC BANK, we dont know why it was rejected , but we got the correct information form your company as well as your address proof" and i went to my local branch and asked the executive he checked the status and saying we to dont understand why it was rejected , so many times i contacted the executives and enquired about my rejectyion of credit card , they are unable to answer why it was rejected.

Even though i am submitting all those documents they needed, and their third part agency executives also enquired about my side was true information, they rejected my credit card request , the executives in hdfc banks are not giving proper response,every time iam calling they are telling we dont know ,we dont know and telling false reasons

So please solve my problem as soon as possible, and get the credit card request approved.

Regards,
Veerabhadra Rao K
Mobile:[protected]
badri.[protected]@gmail.com

I am working with hotel vivanta by taj srinagar. I am havina a salary acount with hdfc bank branch karan nagar . The bank is deducting Rs 386 after every two months from last one year. I visited the bank 4 times from last one month and when I asked the bank staff about the deductions i was assured that all the deducted amount will be reversed to my account but requesting repeatedly nothing happened.

I have a very old HDFC CC and was issued some gold card in same card no. which has received regularised payments. Suddenly I strarted being charged 200-500 every month under some apple download . On disputing the same as I dont even have an apple devise to download anything the call centre asked to me lodge a dispute, gave me a ref no. and as they could give no reason how this was being charged they asked me to block the card and get issued a new card to avoid this. I sent seperate letters disputing the apple download charges, blocking the card, giving an add change request for my new mumbai add and a new card request.
My card is blocked though after months my add is still not changed, no new card recieved and to my surprise every month a statement goes to my Kolkata add for some Rs 300 or 500 payment.
When I called the mumbai call centre no. behind my card today 18th of July2012, a lady named Priyanka informed me that my card is blocked, my dispute is registered but yet this strange payments due of meagre amounts go in statement to my kol add and I better make them. She said no new card will be issued(well thankfully i dont even ever want one from such a bank) and when I asked then why was I wrongly guided by the same call centre before to block my card and get a new one and that my dispute has been registered and hence forth false charges would not apply, she couldnt say anything. On asking the name of head of HDFC Credit Card department she disconnected my call. I am absolutely disgusted as I am aware the nuisance HDFC may create and all CIBIL issues cropped out of this little mess later and I want it sorted immediately. I have had enough.
My. Card No. is - [protected]. Name on Card-Haimanti Bhattacharya

Haimanti Bhattacharya

I am working with HDFC Bank, HBL Pvt. Ltd., Vikas Puri, Budela Market. I hereby inform your about our Manager Mr. Pranav Mehta, manager of MECVM Deptt. Mr. Pranav Mehta don’t has etiquettes to speak with his staff. He shout every time. When we join this office that time Pranav told the timing of office from 9.30 to 6.30. Now he leave the staff at 7.30 onwards as he take meeting after 7.00 p.m. onwards. As he harass his staff so much. Example:-
There was a girl name Deepika worked with our office but she resigned due to his misbehavior. He calls late night to Ms. Deepika and he sent messages to her every time. He said her that do friendship with me because “I like you.” He said her come with him to his aunt house at Dwarka. There are so many other cheap talks which we cannot write. We have all the messages which he sent to Deepika and we all will telecast very soon in front of every body. Pranav Mehta is a cheapest Manager in HDFC. Being a Manager he don’t have manners. What he do in office. He flirts with other staff also. We all are requesting you to please taken necessary action against Pranav Mehta. Otherwise we will go to Court for Justice.
FROM ALL STAFF HDFC.

I used PNB ATM card (account number [protected] Hari Nagar branch New Delhi, Account holder Neeraj Kumar) to withdraw amount Rs. 25000 in three installments 10,000+10,000+5,000 total (Rs.25,000) on 17 July 2012 around 12:00 IST from HDFC Bank ATM(P1TNDL17) Virender Nagar. The balance has been deducted from the account but no cash withdrawal was received. The machine did not respond any error. I was in doubt regarding the improper insertion of card that compelled me try three times. I did not receive any slip or written proof for the failure by the HDFC ATM machine. I have lodged the complain to PNB consumer care office. I request you to please refund the amount to the account number as soon as possible.

Yours Sincerely,
Neeraj Kumar