HDFC Bank Complaints & Reviews

I submitted a Suggestion/Feedback e-mail through your website w.r.t. AMB and AQB charges that were levied against my account without my intimation, on 18/06/2012.



The e-mail that I received today (below) does not at all pertain to the e-mail I sent. It has absolutely no reference to what I had written on the 18th of June. I did not ask for a confirmation of account closure, as stated in he e-mail below. Moreover, no one by the name of Swapna Kakatkar contacted me on the 18th of June. I received a call today from HDFC asking me about my complaint. I do not know what's going on. I feel that I am being made to run around. I request you to refer to my original email/query again.



In brief, I would like to tell you what happened. A total amount of Rs. 4,138.52 was deducted from my account in June 2012 towards AMB and AQB charges. When I approached the branch i.e. Mindspace, Malad; I was informed by Ankeeta Rathi (Branch Operations Manager) that the account was converted to a Savings account as there was no Salary credited into the account for some time; and hence the charges as the minimum balance to be maintained monthly is Rs. 10,000. I wasn't informed of this conversion.



When I objected, Ankeeta told me that a letter was sent by HDFC to my residential address in 2009, informing me that the account was converted. I have not received any letter w.r.t. this. Moreover, when I told her that I would close the account if this is not sorted, she blatantly told me that I could go ahead and close the account. She also told me that it was not necessary for the bank to send me the letter as it is written in the Terms & Conditions booklet which I received at the time of opening the account, that after 3 months of salary not being credited into the account, the account automatically gets converted to a Savings account.



I asked for an Account Closure form and submitted the request for closure as I was very unhappy with the experience that HDFC provided me. I have been a customer of the bank since 2005 and have kept this account because I liked the services offered by HDFC, although the account was non-operational.



I received a letter dated 19/06/2012 with a Demand Draft of Rs.107.33 confirming that my account is closed. What has upset me is that there was no attempt made to retain me as a customer of HDFC. Is this how HDFC values and treats their customers?



I would really like to highlight the customer service and leadership skills of Ankeeta Rathi. Being a Branch Operations Manager, she was not at all service-oriented. Her tone was curt, rude and unhelpful. She did not demonstrate Ownership or Willingness to help at all. Her body language also showed disinterest. She was not at all empathetic towards me or my situation and this really made me feel that she did not care. Is this the kind of example that the leaders of HDFC set for their employees and reportees? Is this how Ankeeta grooms the staff in the Mindspace, Malad branch? Is it OK for employees of HDFC to blame things on policy and procedure (Terms & Conditions) and shove things under the carpet?



It has been very annoying and inconvenient for me as I had made provisions of the money in my account towards my EMIs and other committments. Now, I do not know what to do and this has caused grievances to my financial planning and budget.



I request you to please look into this matter and reverse the charges levied through a Demand Draft or by some other means (since the account is closed). I have also submitted a complaint through your PhoneBanking officer. The complaint number is MUMC[protected].



Moreover, I have also submitted a complaint with the Banking Ombudsman and hope that this issue will be resolved.



Looking forward to a favorable response from you as I am very upset with this experience

I have applied for a HDFC Credit Card, i've received my Application refernce number, and also
received verification calls at my office desk, verification got completed sucesfully, now the status of the credit card at the HDFC site is being shown as 'Disapproved' with remarks as ' PLEASE RESPOND TO LETTER SENT TO YOU FOR FURTHER PROCESSING OF HDFC BANK CREDITCARD QUOTING THE APPLICATION REFERENCE NUMBER'.

I called up the customer care and they've told me that there's some problem with the residence address and landmark, but then, if my residence address is the problem then to which address did HDFC guys sent the letter to which i have to respond, i haven't received any letter from HDFC to residence address nor to my office address. I din't receive any email as well.

The guy who was to perform Residence address verification came on a weekday and obviosuly the door was locked, but then, i should have atleast received a call from them saying such a thing happened and to set a convinient time/date to complete the address verification.
How can they just disapprove without proper notification.

I am very much disappointed with the way they carried out the whole thing.

Kidnly, let me know, what is the next step that should be taken to get this thing moving.

Hi All
Please be aware of HDFC Bank Loan fraud.
I had applied for Rs 100000/- personal loan from an Agent of HDFC Bank Hyderabad whose name was Venkat([protected]). He generally does his marketing through sms. Please avoid this person
He told me that it would be processed within 3 days but it took 2-3 weeks to get processed and that too after following up with them almost every day.
This guy convinced me to take the loan by saying that the interest rate would be 14.25% p.a. and when the loan process started he said it would be 15% p.a. and 1% processing fee and asked me to get on with the loan confirming that he would pay me the differential amount.This guy is a sheer cheater. Once the loan amount got disbursed he will not listen to the problems.Not only I had asked him not to include any insurance component to the loan and he confirmed me that it will not be included. But finally for Rs 100000/- the bank disbursed me Rs97714/- and when I asked explanation for the rest amount no one was giving a proper explanation.Apart from 1% processing fee I don't see any charges that should be debited from the account.

The authority concerned should look into this matter as this fraud bank with its fraud agents are try to cheat needy people and taking advantage of their innocence.These people should be dragged to court and made to pay huge fines then only they will thing 100 times before cheating people.

Dear

I Sukhvinder Singh Gulati having operating my saving account vide bearing no.[protected] at karkardooma branch. I forget my debit card at karkardooma branch ATM on 30.07.2007. My card was misused by a culprate . I lodge my complaint at branch and customer care and also at Anand Vihar Police Station. The bank official were came to my office and query about the same. I also submit the Indemnity bond, Copy of NCR of Anand Vihar Police Station and statement. Therefore no person came to my house or gave me any status report about the perusal of the case. I have been send five reminders in four years and talk with your executives at customer care helpline but every time executive of your bank said that please query about this matter from your home branch. Therefore some another problem raise in my account that some charges levy in my account in the terms of BRD for Rs.112.36/- in 17-18 times .That is so strange because I had deposited the amount by myself at my home branch but the BRD charges is related to third party transaction and other branch deposition. I also request to Mr. Abhishek at karkardooma branch but till date he gives me assurance that earlier your charges has been reversed. I am suffering the mental agony, loss of funds and loss of my goodwill because from your illegal act one time my Car Loan EMI ECS was bounced and they charged the bouncing charges and one another time my electricity bill cheque was bounced. So, you are requested to take immediately action and necessary step within short period and revert about the same.

Sukhvinder Singh
[protected]

Hi All,

I have been using a HDFC Bank Credit Card from past 6-7 Years. Initially I had an Gold Card and after years o[censored]sing, repayment of bills on time and many cards upgarde, I had been offered PLATINUM EDGE card few months back by the bank. This was an upsell by the bank.

At the time of offer given, I had asked the CSR for the charges of this card, but he said there are no annual charges for this card.

To my surprise when I received the mothly bill for June'12, there was Annual membership fee of Rs.2K levied in my account.

This is an example of absolute fraud by such a brand and reward for a loyal customer who trusted in the brand and eventually promoted people to at least for once have an product from HDFC and experience the quality of services.

Anyways I have logged a ticket for the same. Ticket number is [protected] and while logging this ticket also the CSR told me that my card would be degraded from the new card to the old one.

Clearly Bank is playing with the EGO and the emotions of the customers so that either they give up the upgraded card or go ahead and make the payments.

Request you to waive off this amount at the earliest possible and do whatever you want with my account but please keep me posted on the progress.

Rajeev Kumar Singh
[protected]

I had to transfer money from my HDFC account to another account however couldn't because my HDFC account has an old mobile number. HDFC doesn't allow its customers to change/update the number through the website, the customer has to visit the nearest branch to raise a request which would take atleast 5 business days (as communicated by the customer service rep). I had to make an urgent payment however didn't get any help even though I answered all the questions of the rep to clear security on the account. Such a poor service/policy of the bank.

REFERENCE: HOUSING LOAN ACCOUNT NUMBER[protected].

It is submitted that after two months, on the on 6th June, 2012, I received an Email from HDFC Ltd. informing me that the interest rate for your loan at present is 11.5% effective from 01-Apr-12. The repayment tenure of your loan has stretched beyond the normal term of a loan. WE REQUEST YOUR IMMEDIATE ATTENTION IN THIS REGARD. One of the following actions from your side is recommended: Alter the EMI from Rs 8587/- to Rs 10,031/- OR Consider a part prepayment of the principal of Rs 1,27,000/- for 190 _ months ,keeping the EMI amount same OR Combination of options 1 & 2 depending upon your convenience.

Regarding this I posted a query on HDFC Web portal, but I did not received any communication in this regards.

Now, I request to the concerned authority, please see in to the case, and respond my query “Why HDFC Ltd. is charging high interest rate @11.5% in place of 10.50 effective from 01-Apr-2012 and informing me in June 2012?”

Regards

Ved Prakash
[protected]

My cousin (who stays in the U.S.) sent me a link via email to a site that sells some weight reduction drops. I made this huge stupid foolish mistake clicking that link and buying a monthly weight loss program of 45 days online on that site. I made the transaction on Sunday afternoon in India. The only good thing I did was to write to my cousin asking her if she had tried this product. I heard from her next morning (Monday) saying she never sent any such email. Her account was hacked and these emails were sent to her entire contact list.

I immediately called the bank (credit card division) and reported this incident. What follows is incredible!!! They said that since my account was debited they cannot charge my card back. Well, till then it was fine with me as I presumed that the transaction has fully gone through. Then something struck me and I asked this bank lady on the other side, if the vendor had already received the credit/money, to which, she said no. She said that only my account had been debited yet but the vendor's account was not credited yet.

You won’t believe I spoke with at least 3 managers after putting a mammoth of effort and wasting at least 30 minutes of talk time on 'call waiting' and 'convincing' them not to go ahead with the credit as the vendor is a fraud. But they would not listen. They said they have to go ahead with the credit per the 'process'.

They said I could download a credit card dispute form on their site and lodge an application and they will inform the status of my application in 4 days. I told them that by that time, the fraudulent vendor will get his money and both the Bank and I would be chasing him. However, they didn't seem to bother about that.

Now I am wondering that I at least did what I did in unawareness but what the HDFC guys were doing was in their full awareness. I told them beforehand, not to go ahead with the credit but they said they have to credit the fraudulent vendor's account as it is a part of their process.

Wondering why one needs to pass banking exams to get into a bank. Worse, why do banks hire MBAs? Maybe they feel that if an MBA gives a customer crap on the other side of the phone, it may look less crappish...

Dear Sir

I had cancelled HDFC Life insurance policy timely to their department but they are still demanding money from me.

They are refusing of my cancellation request after two months and doing mental harassment regularly.

Please suggest me for this critical matter.

Credit Card No: [protected]

Thanks

This is in regards to the HDFC Bank Personal Loan where they are not ready to close the the personal loan when I am ready to pay the foreclosure fees even, this is really a cheating and consumer forum should take a action against them or they will cheat all Indians as they are doing right now.

I have already paid the amount from last 6 months and requesting them to close it, while taking they said you can repay it after 6 months and now they have changed the rule without informing to RBI and government is still sleeping.

Please take action or tell US the way to put them behind the bars.

Regards
Abhishek Prasad
Pune
Maharashtra

i have registered for a hdfc personal loan on 4th june 2012.

on 5th june itself, hdfc person came and collected the required documents.

after that i have called them daily asking the status of my loan.
Daily they used to reply the same answer. " Its in progress. will tell you soon".

After 12 days, on 16th evening 4 pm , i got a call from hdfc. asking me to submit another copy of the passbook which i have.
They also told that, if i submit it before 5 pm, i'll be getting the amount by next day. ( 17th) else it will take another 1 week to process.

I really dont understand what these people are doing in office?.........simply sitting and processing very slowly.

They dont understand customer's urgency to get a loan.

Hi,
My name is Saurav Kumar.I m holding hdfc gold credit card([protected]) from last 3 months.In May 2012 I had my sister's marriage,due to which i used my whole credit.From last few days I am getting collection calls on my mobile.I can understand if I am not paying bill on times,I will certainly get these types of call.I make them aware about my concern.What they did they started calling my mom and dad number,which I think is wrong.They call them,harass them and used abusive language.I think if card is on my name,then I am only one who is liable to pay the bill,You guys cant go and harass my parents.
My concern is that if I have credit card wid your bank n I have sum emergency then certainly I will use your card.N if its a paying account,how come you guyscan call my parents and harass them.These guys are calling from[protected],[protected] and so on numbers..N if its wid debt collection company then the employee over dere know how to talk to consumer.they should try to understand customer situation.

This is regarding the personal Loan taken from HDFC INR 233000/- I have already paid and settled this loan 2 years back in 2009. After 2 years I am receiving threatening calls from someone call Mr Dinesh Singh mobile number 0091-[protected].

He is threatening me with regular calls and talking abusing language and calling my office staff and talking un reasonable things about me.

At the moment I am working in China. Hope some one can help me with this.

Regards
Alka Narang
ct[protected]

I MR. HANMANT A. PATIL RESIDENT OF C 1: 4 : 02 JALKIRAN SOC., SECT. NO. 18, NERUL, NAVI MUMBAI-700406. HAVING HDFC BANK CREDIT CARD NO. [protected].( OLD CARD NO. [protected])
I AM LODGING COMPLAINT AGAINST HDFC BANK CREDIT CARD DEP.HAVE DEBITED UNUSED PURCHASE.
I RECEIVED SMS ON MY MOBILE AS FOLLOWS:-
1) THANK YOU FOR USING YOUR HDFC BANKCREDIT CARD ENDING 7473 FOR T RS. 25000.00IN ETSAFE POS D AT NETSAFE ON 2011.12.15: 16.01.21.
2) THANK YOU FOR USING YOUR HDFC BANK CREDIT CARD ENDING 7473 FOR RS. 1876.00IN ESTSAFE POSD AT NETSAFEON 2011.12.15 : 16.10.56'
3) THANK YOU FOR USING YOUR HDFC BANK CREDIT CARD ENDING 7473 FOR RS.2000.00IN ESTAFEPOSD AT NETSAFE ON 2011.12.15: 16.12.12

WHEN I RECEIVED SMS FOR ABOVE TRANSACTION, I WAS TRAVELLING., IMMEDIATLY I GIVEN COMPLAINT TO CUSTOMERCARE THAT IS REFERANCE NO. [protected].

PL. NOTE THAT I RECEIVED STETEMENTOF DEC. 2011 BILL AS FOLLOWS FOR ABOVE TRANSACTION
DATE MARCHANT NAME BILL AMOUNT SMS RECEIVED AMOUNT
15.12.2011 SFLOWERS SERVICE 24178.28 25000.00
15.12.2011 KASSIR RU TICKET 13896.59 15000.00
3rd SMS AMOUNT NOT BILLED ON AC.
PL. NOTE THAT I HAVE RECEIVED BY SMS TRANSACTION AMOUNT AND BILLED AMOUNT DIFFERENCE.
I HAVE ALSO SENT DISPUTE LETTER THEN I RECEIVED LETEER DATE 04.02.2012, MENTIONED AS , WE UNDERSTAND FROM OUR RECORDS THAT YOU HAVE CREATED NETSAFE CARD FOR 2000.00 ON15.12.2011. HOWEVRE, WE OBSERVE FROM OUR RECORDS THAT SAID NETSAFE CARD HAS NOT UTILIZED HENCE THE SAME HAS NOT BILLED TO YOUR CARD ACCOUNT.
I GIVEN POLICE COMPLAINT TO CYBER CELL CRIME BR NAVI MUMBAI,
I HAVE LODGE COMPLAINT TO CUSTOMER CARE TILL DATE NO ACTION HAS BEEN TAKEN AND EVERY CHARGING PRINCIPAL AMOUNT AND INTEREST .
PL. HELP ME TO REVERSE EN TIER AMOUNT AND INTEREST.
THANKING YOU, I AM WAITING YOUR REPLY.
REGARDS,
HANMANT A. PATIL
[protected]
MAIL ID: [protected]@hotmail.com

dear sir maine h d f c de ek policy mutual fund ke naam se apne dost arun kumar mishra ke dwara karwayi thi jiski ajj tak mujhe koi receing nahi mili hai jab ki mere state bank of india branch jalaun se a/c no [protected] se rs. 3000/ per month kate jate please apse anurodh hai ki mere bond se sambandhit kagaj bhijwne ki kripa kare. apki mahan daya hogi thx.

sir,

Not proper information

So i am canceled my account

very poor service,

S.Balaji

Hi

I am privilege customer of HDFC Bank since 2004. On that basis they opened my HDFC securities account without any charges in 2009 & I was told it would be no annual charge lifetime free account. I haven't used that account for any transaction. But in Feb 2012, Rs. 500/- were deducted from my account for annual charges. And when i went HDFC Bank, CMH Road, indira Nagar, Bangalore. They refused to close my account on the basis of ID proof. Despite the fact that i had DL. But as per him it wasn't authenticated.

They agreed on sending a person for collecting another ID proof. But nobody came.

First i was robbed with money & i dont know, how many times i have to visit the branch for closure of account. I want my money to be refunded as i have never used that account.

Regards
Gaurav

[protected]@gmail.com
p--- sonali01

Dear Sir/Madam,

I would like to bring to your notice that the HDFC bank Personal loan executive officer gave a false commitment while taking the load.

He committed me that the processing fees should be 0.75% before taking the loan. When i got the loan amount that time only i came to know the processing fee was 1.5 %. So when i called to the officer about this , he told me that he would return the amount but still now i have not received any amount. He has giving so many false commitment and false date till now.

The manager name is manish- [protected]
shalini - [protected]
dayal> [protected]
dibakar > [protected]

So please be careful, if you are getting any call from these peoples for the personal loan as they are simply fraud and giving the false commitment

Dear HDFC


Please note that i applied for HDFC Credit Card and got Reference No : [protected]N1. I got all verification done at my office and residence too. I got multiple calls at office too for verification.

Today got checked in HDFC Link showing track your card application. Found the reason as follows.

Application Reference Number
[protected]N1
Status
DISAPPROVED
Remarks
DISAPPROVAL OF THE CREDIT CARD APPLICATION DOES NOT REFLECT IN ANYWAY ON YOUR CREDIT STANDING OR YOUR FINANCIAL STABILITY


We told to HDB Financial who called us for Credit Card and we never gone to HDFC for the same. Mamta, Executive called and we given all papers and verification also done positively.

I called Customer CARE and they are not giving any reason for Rejection. As per RBI GUIDELINE CIRCULAR NO - RBI/[protected]/100 BOD.FSD.BC.23/24.01.011/2008-09 DATED[protected]. HDFC Bank should give us reason or else we also file complaint in RBI and bank ombudsman.

We want Reason for Rejection as it will hit my CIBIL. My CIBIL was all clear and i got Home Loan too on same address. If we will not find reason for rejection, we will file case in Consumer court. It is my dignity which got effected and i am fully made up my mind for filing legal case against HDFC. I never had any credit card or liabilities from any bank in the past.

Please provide reason or else i will file case in consumer court.

Regards

Renu Rakhra

[protected]