HDFC Bank Complaints & Reviews

Am using HDFC bank debit card in salary account. After that am changed other company so last two years am not operate this account. Last month only again convert to salary account in my present company. Last two years your not operate this account so HDFC debit in my account Rs.5000.
I will go to HDFC bank and complaint the HDFC toll free number also no response. He telling in the salary account in three month salary not credit this account automatically converted saving account min balance Rs 10,000. No body inform this information . how will retrieve my money kindly Needful
This my mobile number :[protected]

Hi All,

I had a worst situation with HDFC credit card executive 7 months back.
He was introduced himself as manager and came with settlement amount of Rs[protected] total outstanding that time) and also said that now you pay 4000 and give me a request for the settlement amount Rs 14000 and another 2 installments (each 5000) you have to pay in subsequent months. I believed him and gave 4000 and request letter. But he simply credit that amount in my regular credit card collection account and some other guys are following me for further payment. when complaining about him the bank people are not giving proper response. when talking to the guy over phone, he is telling that he has not received any letter from me.

Now the total outstanding of the card is around 51000 and they are asking for payment. Friends, please suggest me to proceed further. is legal steps will help me? Please suggest. thanks in advanc

Dear Sir/Madam,

My name is virender singh rathore
My HDFC credit card no is:- [protected]
Contact no. +91-[protected]
E-mail ID- [protected]@yahoo.co.in, [protected]@gmail.com

I have become the victim of fraud by HDFC bank. I used to work in House full Int. ltd. pune as a service manager & my salary a/c was in HDFC bank.
At the time of opening my salary a/c the agent of HDFC bank asked me to take credit card. when i asked him the policy & terms and conditions he said its would be free untill 50 days & after 50 days you ll have to pay an interest of 18% per year. I asked him it is sure he replied yes sir. Although I forgot his name but you can find his name on my credit card opening form via his agent code.

After getting my credit card I did shopping of rs. 32,000 k on the occasion of my marriage & decided to pay in installment according to 18% of interest per year. After marriage I lived pune & searched job in rajasthan. It took 2 months to get job in rajasthan. after getting job i started to pay rs. 2000 per month. After six month i decided to check my remaining amount I made a call to customer care to know my remaining amount as i was not getting statement at my given e-mail id until that time. when i received the statement at my mail id i found that the installment given by me was counted as the minimum amount payable to bank.

When i talked to the employee of the bank regarding the issue he replied that the amount paid by me was counted as the minimum payable amount & your remaining amount is the same as it was earlier. At that moment i stooped paying the amount & maid complaint that i was being cheated by your agent as he told me about 18% rate of interest. I told i'll not pay a single rs. until you resolve the issue.

A months later a had a call from Mr. Khan his mob. no. was +91-[protected]. he forced me to deposit the amount & he abused me a lot when i denied because i wanted to pay according to the rate of interest told by the agent of the bank. Then he told me to deposit 5000 this time & he would try to resolve my issue i deposited the amount the very next day. after a month i received his call again that time he told me to deposit 6000 & he also said that my case is in process & will be resolved soon. I deposited 6000 the same day.

The next month i checked my statement the amount has not been deducted from my outstanding. the amount paid by me was counted as the minimum payable amount. i maid a call to khan & asked him then he again started to abuse me. even he abused my mother when he made a call at my given residence no. then again i stooped paying to bank.

After few months i had been getting notice from bank but i did not care because i had been cheated by the Bank & its employees abruptly. Once my mother received call at my residence no. and asked that we are from P.F department & want to talk virender singh (my Name). my mother gave her my no. she was Alankrita & her no. was +91-[protected]. she said me she is the employee of HDFC bank & want to talk me regarding the credit card payment. I told her about the whole story. she told me that my total outstanding is rs. 52000. Although i had paid rs. 23,000 out of 32,000.

I told Alankrita that i am not able to pay 52,000 because i have already paid rs. 23,000. she told me that ok sir you just pay 22,000 & your case would be settled down. I asked her that i need loan in future so will it affect she replied that we would give you a settlement letter on the basis of that you can get loan from any bank. I deposited the amount in two installment of rs. 11000 each. during the months i received a confirmation mail from Mr. Mohan from HDFC bank as he introduced himself & his no. is +91-[protected]. After depositing the amount i received a settlement letter from HDFC bank that my case has been settled down now.

Later after 2 months i applied for a personal loan from Fullerton india but I was denied for loan as my case was put in civil by the HDFC bank. I showed settlement letter to Fullerton India's employee but he told me that Again i had been cheated by the HDFC bank they have not removed your name from the civil & you ll not be able to get loan from any bank until your name has not been removed by the HDFC bank.

Then I made call to Alankrita but i came to know that she has left the organisation after that i made call to Mr. mohan he told me that i'll have to pay remaining amount but this time i asked him to mark me a mail that if i pay the remaining amount after my settlement amount paid by me earlier, my name will be removed from the civil but he replied that he cannot do that because he is not authorized for that. i asked Mr. mohan to convey my message to the authorized person & revert me back. but it is 3 months i have not received any mail or call from Mr. mohan or other employee of the bank.

Now i have decided to mark a complain to Reserve Bank of India also to prevent such cheating which had been done with me by HDFC bank & its employees. such cheaters from the agent to the last employee i had a talk make a loyal customer fraud. I have all call details which shows that i made call to your employees to resolve my case & all necessary documents which i'll show when needed.

I am expecting your reply for this complaint.

Regards,

Virender Singh Rathore
+91-[protected]

SbI Credit card charging service tax on interest of loan, which was given through credit card.
HdFC bank charging service tax on interest element which was arised due to conversion of bulk purchase in to flexible payment option.
But as per service tax provision 65(105)(zm) there should not be any service tax on intrest element

Dear Team,
This Complain is regarding a disputed transaction made from my saving account. One disputed transaction is showing in my a/c of Rs. 2990=00 dt 07/04/2012 which is not made my me. It is already 26 days over from the day i complain to the HDFC Bank.
I comlained of this transaction to the HDFC Bank, Shankar Nagar chowk, Nagpur as well as at its customer care center. But I am not getting any responsible response from any where. At customer care, all the time , when ever I ask for the status of the complain, they ask for another next 5 working days to resolve the issue. Perhapes they are trying to make fool to us.
Due to the this careless attitude of the bank I am not able to do transaction from my account, as they freezed my account.
Here I requested to the Team, Kindly look into the matter and help.
Deatials of disputed Transaction are -
Dt - 07/04/2012.
Disputed Amount - 2990=00
Card No. - [protected]


Thanks & Regards
Bhartesh Jain
[protected]

my card was misused on net. my card was blocked and i got a new card from HDFC Bank. They told me that they will refund me the money which was mis used through my card.the total amount was around Rs 6000 / - and it`s been like 4 - 5 months i havent recived anything but just Rs 2000 / - . when i called HDFC to told them this incedent they clearly told me , they dont handle requests which are 4 - 5 months old.

1st they took 4 months to refund me the money and then they tell me they dont refund so old complaints ! can anyone help ?

I want to close my loan a/c no.[protected] with hdfc ltd.I visited branch manager many times but their is no response.Only miss guied attitude was used.

Hi,

When I joined an IT company, I opened an HDFC Bank Account. Along with that the respective person also made me fill HDFC Securities form telling that in case the same wont be used, it will be closed.

However after one year, the amount got cut from my account. There was no prior information regarding the same.

This is a clear case of cheating by HDFC Securities and HDFC Bank people. Its a bank of thieves and should be booked under malpractices.

Regards
Souvik Jana..

I have opened a NRE account in HDFC bank, Yamuna Nagar Branch on 08-Mar-12 and they confirmed me that my account will be activated in 3 working days. but it has not happened. So after that i have been communicating with HDFC bank so many time but till date HDFC bank has not activated my NRE bank account. my Account number is [protected]​0005. It has been almost 2 month, but HDFC has failed to activate an NRE account.

Regards
Rajesh Kumar
[protected]

Hi all,

i had taken a HDFC creditcard on june and i had purchased for 6600/- and in june month end i had lost the card and misused for 13500/- i had informed the same and blockjed the card immediately and i had given police complaint and updated the complaint number in HDFC and after that from november i will get continuous calls by monthend to pay installments and i am paying the installments now the amount i paid is 18500/- and the bank is still saying that 25000/- is outstanding even after the misused amount is deducted

The collection agency is calling to me and my family to pay them and threating us , i have all the bills of installments , kindly please let me know the way to getout from here

Please call me on [protected] or mail me pavandurga.[protected]@gmail.com

Hi Team,

I had a HDFC credit card no. [protected]. In the last 2 bills of the credit card, fake late fines were added which were also paid to them on confirmation that it will be adjusted in the next bill. But consecutively for the 3rd time they did not adjusted the extra charges that they applied in the earlier 2 bills. I called the HDFC helpdesk many times but no action was taken for the reversal of the extra amount.
Now suddenly after 10 months they called me up and threatened to pay the bill adding the late fine that they applied in these last 10 month else they would take it forcefully. When I had called them earlier to resolve the bill, there was no resolution provided and card was also blocked. My question is where were they for the past 10 months and why should i pay the late fine when the card was blocked and no resolution was provided from their side.

Please help in this case.

The people from HDFC bank are calling me daily and annoying for taking their credit card. Even though i tell them each time that i do not require credit card , each different person calls every time for the same. Also i asked them to not call again and again since i already have given my opinion that i do not want credit card and asked them to remove my name from their database, they just say ok and assure me that i wont get any calls ahead..still no use..Now its seriously like dog's tail..I am getting calls daily. Its really frustating and irritating as these people even call me during my office working hours and disturbing. Now i dont even understand to explain them in which language? Rather i should say i dont know which language they understand?
These companies should be punished and fined and proper legal action must be taken against them for harassing people to make their own business. They know after annoying 100 people atleast 10 will say yes to them after getting annoyed or they fool the people by showing false dreams and their tricky ideas to make their profits. This is not less than making a crime.

i would like to inform that my credit card was misused on 11.04.12 & a complaint was lodged on the same day & along with it i had also requested to kindly send me the statement as to help me file an FIR . you are again requested to kindly send me the statement of disputed transactions at your earliest & help me file FIR.
thanking you

Rajendra Arora

Hi,
I have taken an insurance policy in HDFC SL . Initially I was told the policy period is for 7 years. But, when I received the policy, I was shocked to see the term as 10 years. So, I went to the Branch to close the policy during the free look period. The Branch gave me the form and I duly filled the form and gave a letter also to close the policy. The branch promised me that they will refund the money in form of cheque within 2 weeks. But, I have not got the cheque. After three weeks, I got a letter stating that my complaint has been taken by the HDFC Sl and will be investigated for the resolution within 2 weeks. If not resolved, it will be escalated further. I called the HDFC SL to say that, I have not filed any complaint but want my money back. I was directed to grievance department, where they started redirecting me back to the complaint cell thrice. Finally, I have to shout to make them listen. In the mean time I have also sent sms to the customer service to call me. The grievance told me that it is the process and it will take two weeks. I told them that, I have not raised any complain and asked them for the refund. But they said the same answer again with the same tone again and again. I have to close the call. After some time, I got a call from HDFC sl as I have sms'ed them to call me . The lady called me and said, the letter I gave does not contain the required signature. I have asked to share the copy of the document so I can prove I have signed the documents. She told me that is not permissible. She asked to go to the branch and asked me to write another letter and give it to them. It takes three weeks for them to find the signature missing. I feel this is a cheap trick they playing to delay the payment. Probably, after I give the letter, they can say I have the letter for closure only after the free look period to deduct the refunded amount. The bank claims to be number one bank in India which has no process in place and paying on its customer.

I am holding my account in GIRINAGAR branch.Two months back i have created my account in girinagar branch.From that time i am struggling to withdrawing the money, transferring the money to the third party, NET banking.I also visited the branch more than 7 times in a month but i didn't get good response.Now i almost reached the saturation point to cancel my a/c.

I had taken a dual rate loan from HDFC, which converted to a Floating rate loan after the completion of Fixed rate . I am currently being asked to pay a Floating rate interest of 12% on my loan, whereas the New customers for similar loan amount are being offered ROI of 10.75% to 11%.

When I approached HDFC for the same, they said that I Will need to pay a Service charge to avail of lower rate of interest. The Service charge being sought is Rs 70,225. I see this as penalising existing customers while trying to attract new ones. The Customers Credit profile, Repayment History, Loan Risk parameters needs to be taken in to account in such instances, which is not the case. .

On top of that HDFC is not allowing me to Prepay the Dual rate home loan inspite of specific instructions from NHB that prepayment charges can not be levied on the customers. On one hand HDFC is charging me exorbitant ROI for my Housing loan and on other hand they are not allowing me to reduce my interest outgo by prepaying the Loan amount.

If this is what the Premier Housing Financing company is doing to its customers, what can we expect from other institutions.

Misbehaviour and badmouthing by your Customer Care staff Ms. Marina from your Nayapalli Branch, Bhubaneswar, Odisha
Sir/Madam,
I am compelled to bring to your notice the misbehaviour and shady behaviour meted out to me by one of your customer care staff working in your Nayapalli Branch of HDFC Bank at Bhubaneswar.
Sir, my name is Amar Samal. I work as the Chairperson of My India Foundation, a national level organisation working in the fields of poverty alleviation, education, welfare, awareness and unemployment. Alongwith this I am involved with many peoples’ organisations and the civil society of Odisha knows me very well for my social welfare activities. I am also the Editor of one literary magazine and one news magazine published from Bhubaneswar.
The intent to describe about me in brief is to show that I am a responsible person and what I describe below I take complete responsibility about its trustworthiness.
I am a customer of HDFC Bank, for which HDFC Bank provided me a car loan and a Gold Credit Card. I am repaying my car loan and used Credit Card for purchase also. To know the details about my credit card repayment terms like the rate of interest, terms and amount etc, I tried to contact in the Toll Free Number 1800 for minimum 3 times on 25.03.2012, 28.03.2012 and 02.04.2012 as there was confusion regarding issue of Health Insurance and subsequent cancellation. The person I was able to contact in the number took time and requested me to call again after some days as she had no details available with. Meanwhile when I am in utter confusion regarding the repayment terms, one Ms. Marina claiming to have been working in HDFC Credit Card section at Nayapalli, Bhubaneswar called me and asked me to pay the overdue. As per discussions with her I went to Nayapalli Branch on 16.04.2012 at about 1.30 PM. At that time probably she was taking her lunch. At that time Ms. Bannerji from HDFC Bank Calcutta called me and requested me to meet Ms. Jyoti there. As she was not present, Ms. Bannerji asked me to give the phone to the Security Guard. The security guard lied to Ms. Bannerji for which I protested. Insulted, the Security Guard tried to muddy the matter and started a quarrel with me. In anger I returned from HDFC Bank and complained to HDFC Bank Calcutta that day about the security guard. By that time Ms. Marina called me. I politely told her that I am not in a good mood because of that incident, I shall go after 1/2 day to the Bank to pay. Suddenly she picked up and used vulgar language, she made personal remarks about my character also. For 3 days she called me and badmouthed me. I have complained to the Bank authorities but with no answer.
This practice should be checked seriously and a strict action should be taken against these people as if there occurs a default in a particular system then there is a proper legal way for each and every thing but that does’nt mean that if these people give credit cards then they get every right to misbehave with people and even have the odesity to say that udhar liya hai to denna bhi sikho, do these people give credits from there pockets and if not then who allows them to talk such rubbish, there should be proper guidance to these people to talk in a lawful manner.

I therefore request that a immediate and strict action should be taken against these people

Amar Samal
460, Sabar Sahi, nayapalli, Bhubaneswar
Ph. No. [protected]

Hello Sir/Madam,

I am currently in USA for a training purpose and was issued a HDFC forex card by my company for my expenses here (and i do not have an account with hdfc). Unfortunately i have lost my card during my stay here . I have immediately contacted the HDFC customer care and blocked the card. The card was blocked on 10Th of April 2012. I also requested for a new forex card with the amount transferred to this new one. I have asked the customer care representative the process for re-issual and does my company needs to be involved in this - he suggested otherwise and that i can do it myself.

I was told that it would take 7 business days for re-issual of the card and it would be shipped to my home address back in India. I waited for 7-8 working days and was glad that the bank was processing this quickly enough. But unfortunately i didn't receive my card till date 26Th April 2012. I have raised a complaint on The 21Th April 2012 and haven't heard from that either (be it a call or an email that would indicate the status of my card). Its rather disappointing and frustrating as i have to go through this when i am not even in my home country and i have to depend solely on the money on that card. It would be greatly appreciated if something can be done to expedite the process.
I would be glad to share any additional information on this - you can email me on akhila.[protected]@gmail.com for the same.
Greatly appreciate any quick action to this item!


Thank you,
Akhila

Hi.

I am maintaining a salary account with the HDFC bank . i tried
to withdraw my cash from my account. But that was unsuccessful.Following Cheque/Ref. No. given below

3RD PARTY CASH TXN INC ST & EC 030412
3RD PARTY CASH TXN INC ST & EC 040412
3RD PARTY CASH TXN INC ST & EC 280312
3RD PARTY CASH TXN INC ST & EC 150312

Could you please revert the amount and do needfull.

SIR,
ON DATED 23/04/2012, I DEPOSITED ONE CHEQUE NUMBER 215588 OF AMOUNT 3,66,000/- IN THE CURRENT ACCOUNT [protected] IN THE NAME OF SUKHDEV SINGH HUF FROM FROM OUR C/A[protected] TRUSTLINE SECURITIES LTD IN THE MORNING TIME AND THIS IS ONLY FUND TRANSFER FROM OUR ONE A/C TO OUR ANOTHER ACCOUNT. BUT THEY DID NOT TRANSFER IN THE SAME DAY .ONDATED 24/04/2012 I VISITED THE BANK AT 9.30 A.M. AND ENQUIRE ABOUT THE CHEQUE BUT THEY DID NOT BOTHER, AFTER ONE HOUR THEY TOLD ME THAT WE WILL TRANSFER THIS CHEQUE IMMIDIATELY. BUT I REQUEST THE STAFF THAT MY CHEQUE WILL COME IN CLEARING AGAINST THIS CHEQUE SO PLEASE CLEAR THE CHEQUE. AT 10.40 A.M. AFTER PUNCHING THEY TOLD ME THE CHEQUE IS CLEARED AND THE FUND TRANSFERRED IN YOUR ACCOUNT AND ALSO BANK PROCESS ZIP, HOLD ALSO CLEARED. BUT AT 2 P.M. MY CHEQUE OF CLEARING CHEQUE NO 058327 OF RS. 200717/- DISHONOURED AND WHEN I RECEIVED MOBILE MESSAGE I VISITED THE BANK BUT STAFF DID NOT CORPORATE ME & WITH THE HELP OF CLUSTER HEAD ASHU JI THIS CHEQUE CLEARED AT 3.30 P.M.
IN THE EVENING TIME MR SACHIN INVITED ME IN THE BANK CABIN OF MANAGER FOR SOLVING THE PROBLEM & WHEN I ENTERED THE CABIN MR SACHIN BRANCH MANAGER WITH TWO HIS FRINDS WHICH ALREADY INVITED BY HIM ( NOT BANK EMPLOYEES) SEATING IN THE CABIN AND MR SACHIN WITH THEIR FRIEND THREATED ME & MISBEHAVE ME AND MR SACHIN COMPEL ME FOR CLOSING ALL MY ACCONT IN THE BANK.SIR THAT MR SACHIN PLAY AS GUNDA IN HIS OFFICE CABIN.HE ALSO TOLD ME THAT MR ASHU CLUSTER HEAD IS HIS FAST FRIEND AND MR ASHU WILL FAVOUR HIM.
.SIR I AM REPUTED OLD PERSON IN BATHINDA & I AM MEMBER OF ALL CLUB ,ASSOCIATION AT BATHINDA.MY SON WHO IS BTECH-MBA WORKING MNC REPUTED POST AND MY DAUGHTER & SON IN LAW ALSO REPUTED DOCTORS . I AM PREFERED CUSTOMER OF HDFC BANK LTD AND I AM CUSTOMER OF HDFC BANK FROM LAST 20 YEARS WHEN THE BANK OPEN THEIR BRANCH AT K G MARG, NEW DELHI. MY CUSTOMER ID 239326 IN THE HDFC BANK. SIR, I HAVE NEAR ABOUT 20 SAVING ACCOUNTS AND CURRENT ACCOUNTS IN YOUR BANK.NEAR ABOUT 500 ACCOUNT OF MY CLIENTS IN THIS BRANCH .AT THE OPENING TIME OF THIS BRANCH (BRANCH NO 0187 GURU KANSHI MARG, BATHINDA,) I ALSO HELP TOO MUCH FOR HDFC BANK FOR OPENING NEW ACCOUNT IN VARIOUS PRODUCT AND FOR COLLECTING DEPOSIT. I ALSO MOTIVATE ALL MY CLIENTS FOR OPENING THEIR SAVING ACCOUNT AND DEMAT ACCOUNTS IN THE BANK. I REFERED SO MANY PREFERED ACCOUNT FOR THIS BRANCH. SIR I HAVE NEVER ANY PROBLEM IN THIS BRANCH FOR ANY SERVICE BUT PRESENT NEGATIVE BEHAVIOUR OF THE SOME STAFF & MISBEHAVE BY BRANCH MANAGER , TROUBLE ME. PLEASE TAKE THE ACTION.

THANKING YOU,

YOUR’S FAITHFULLY


DATED : 24/04/2012 GURMIT SINGH SODHI
AUTHORISED SIGNATORY
G.S.SODHI & CO C/A [protected]
SUKHDEV SINGH HUF C/A [protected]
TRUSTLINE SECURITIES C/A [protected]
MEMBER OF NATIONAL STOCK EXCHANGE & BSE STOCK EXCHANGE
TRUSTLINE COMMODITIES C/A [protected]
MEMBER OF NCDEX AND MCX
MOBILE :[protected]
Email:- [protected]@gmail.com
[protected]@yahoo.com