HDFC Bank Complaints & Reviews

I had applied for Home/Land purchase loan to purchase land in Coimbatore. Submitted all the required documents and processing fees of approx Rs11,500. HDFC initially said they will fund only 70% of the total land cost as it is a "Land Loan". Only for "Home Loan", they give 80% for the value more than 20Lakhs. Since I said, I cannot afford to proceed if I have only 70% and was about the cancel the Loan, they confirmed that they will give 80% of the cost. HDFC did confirm the date of cheque issue and we did fix the Registration date and called the Seller, purchased the registration papers for few Lakhs and taken a DD few thousands, Also paid the seller the remaining 20% of the cost. On the day of registration, HDFC says, they will give only 70%. Also the managers said "HDFC does not encourage and provide loan for Land purchase. Because I am an existing customer, they considered for the same". The Sales executives say something and promise something, the HDFC managers, technical assessor, credit assessor does something. Never go to HDFC Sales Executives or HDFC for Home Loan. Finally I had cancelled my loan, lost the processing fee. Due to all these HDFC issues, I was forced to think about ending my life. I had cried a lot. But realized that HDFC is a cheater. They do not consider customers at all. Around 2 full days been wasted at HDFC office and no use. Now I am praying god to get the 20% of the amount paid to the seller. This 20% amount is my one full year salary.

The HDFC managers questioned me "Why did you go to the HDFC Sales guy?". I did call Chennai HDFC Office and enquired about the Loan and they only directed me to the HDFC Sales guy. Then how come these managers are asking me this question? Why do they have HDFC Sales team then?

The HDFC managers told me that "HDFC does not encourage or provide loan for land purchase and since you are the existing customer, we considered your application". If this is the case, then why they do not tell me upfront when I submitted the document or when the lady from Credit assessment/approval team spoke to me? The lady only confirmed the amount. She did cross check with the Technical assessor before confirming it to me.

Never believe the words from HDFC Employees, officers,managers. Ask for written proof on whatever they tell you. They easily and quickly change their words.

Cheating is very common in HDFC. I am sure anyone approaching HDFC will have a some sad story to share.

Dear Sir,
As discussed with Anam (Request no [protected]) customer care representative, you have to pay only Rs500/- Processing fees and service tax on Rs500/-. But you have charged COC Processing fees Rs1000/- and Service tax on Rs1000/-. As discussed with representative after that I have took loan Rs50000/- and Rs 7082 extra pay on Rs50000/-.
Would request to you please reverse COC processing fees Rs500 and also service tax on Rs500/-. Earliest.
And if you are not reverse the COC Processing fees Rs 500/- and service tax than I will not pay any installment.

Card No-4617xxxxxxxx6608) HDFC Bank LTD

Regards,
Deepak Kr Gupta
Mo No [protected]

Dear Sir, my wife Sunita Singh and my self Dharamvir Singh had taken two HDFC SAP from Mr Vikas, the than RM at the HDFC Bank at Sector-11,Panchkula Haryana. The policy numbers are 1289471&12647271 respectively. The RM informed us while executing the policy that we both will get returns arround 15% at the time of maturity. He further said that the policies can be inter changed inbetween ,if, we were not happy about their returns to any other HDFC ife policy which is doing well. In between ,i,tried to find about the SAP Policy and its returns from HDFC Bank,HDFC Life and toll free number etc,but no one was either not parting with the information or was not aware about it. Iwas also told by RM that ,i, will only have to pay 4 to 5 premiums and the policy would continue. On 30 Dec 11, i some how came across a HSFC Life, Instructor, who informed me that ,i ,will just get about 6 to 7 % returns at maturity and ,i ,i will have to pay all 10 instalments. Sir, i am a retired Govt. Official and living only on my pension as source of income and we both would certainly not be able to pay our premium any further. At the best we can afford a out go of Rs 50,00/- each, which can be invested in HDFC Life guaranteed highest NAV scheme, as advised by the HDFC Life Chandigarh Branch Territory Manager. Please help me at the earliest possible. Regards ! Sunita Singh & Dharam Vir Singh.

I Tushar Umesh Kondawar , Nagpur Age 25 resigned from company "HDFC Standard Life Insurance Company Ltd as on 30th Nov'2010. My total tenure with company from 12th Jun 2008 to 30th Nov'2010 which was 2 years 5 months and 18 days. My employee code with Company 35079.

I have submitted my PF withdrawal form no. 19 along with Pension form no. 10C to HDFC Standard Life Insurance Company on 4th Apr'2011 in HDFC...

My account no is [protected] , K H ROAD - BANGALORE . I did third party transfer transcation through online. After that why deducted money from my account for
3RD PARTY CASH TXN INC ST & EC 051211 - RS 110.30
NEFT CHGS INCL ST & CESS 071211 - RS 5.00 on 17th of Dec 2011.
I did complaint through HDFC complaint form on 21st of Dec 2011,but I didn't get any response from them.

Hi

Yesterday ie on 29/12/11 got the SMS stating that my welcome kit got returned ,can you please clarify me that which welcome kit got returned with out delivery.

Thanks
Girija

Hi This is Gangadhara from Mangalore.

I had applied credit card (Application #[protected]SC) a long back ago and got a call 12th of Dec'11 for verification and said the card will be delivered within a week time, again I got for verification after one week and said card will be dispatch within 2 days . after 2 days also I dint get the card info or status of the card, and I called customer care on 21st of Dec'11...

MY C.S.E CODE WAS NOT RECEIVED TO ME WITHIN 15 DAYS MY CONTACT NO IS [protected]

INTERNATIONAL CONSUMER RIGHTS PROTECTION COUNCIL
B-9/55 VIJAY NAGARI, PO-KASARVADAVALI
THANE [WEST]MUMBAI 400 615 INDIA

I would like to bring to your kind notice that, I have obtained a loan of Rs.6,00,000/--from HDFC Bank in May/June-2006 which was repayable in 60 installments, WHILE SANCTIONING LOAN THE HDFC BANK HAS RECEIVED ORIGINAL DOCUMENTS OF MY RESIDENTIAL ACCOMMODATION {+} 5 BLANK CHE QUES {+} SECURITY AS REGISTERED MORTGAGE DEED [2] I have paid all these EMI very regular at Rs.13347/-- pm without any default [3] HDFC bank has received all these EMI from my salary account from UTI Bank and last EMI was due on 7.6.2011. [4] After receiving full and final payment, the said HDFC bank has issued a letter to me and informed that, due to hike in the rate of interest, I am required to pay additional EMI and said three EMI @ RS.13347/-- recovered by HDFC from me [5] I have very specifically informed the HDFC from time to time to return my original documents of my house against which mortage deed was registered and against the house propertly said loan was granted to me [6] The HDFC Bank has informed me issue three additional cheques for repayment over and above my agreed amount which has been collected by the representative of the said HDFC Bank in person [7] I have been very specifically informed that, after receiving all these three EMI my original documents of my house property will be returned to me within 8 days. [8] Now more than 50 days are over and I am being neglected by the said HDFC bank saying that, my concern will be attended in 3 working days or so and till today i have not received my documets [10] Also I have requesged to the said HDFC bank to inform me the calculation of interest that, how three EMI arrived at because of increase in the rate of interest, but sorry to say that, till today the HDFC bank is unable to inform me about the calculation lf interest. [11] I am continously writting to the HDFC bank from 8th October 2011 to return the documents, to register and reverse the mortage deed by registering legally, but the said HDFC bank is simply neglecting my message. Therefore, I am constrain to approach to the RBI Authority for restoring proper justice............ I request and pray necessary investigation may kindly be made to issue necessary instructions to the HDFC authority to do the needful before filing criminal case against the concerned officials of HDFC. with regards..... HKGaikwad



Dear Mr.Ashish Bhatia, Mr.Yadav, Mr.Kaushik,

I am waiting for a documents since 8th October 2011 i.e. the day one when you have received your last EMI, this is as per your telephonic talk, and the payment made with good intention by me. Not only to that, you have promised me that, I will get my documents within 8 days from the day of receiving last EMI. This is nothing but breach of trust and I do not know what is the calculation of interest for recovering additional 3 EMI from me........ will u please submit me the details of payment and calculation of interest for my records........ customer is god and should not threat them as a slaves .... I am repeatedly requesting you to give me details of calcuation of interest and return to me my original documents which u have taken at the time of sanctioning loan..... also you are required to revert agreement of mortagage by registering with the Registrar....... But, you are not taking it serious and forcing me to take legal action against this malafide actions ..... note of this message may kindly be taken in your own interest and you will be held reponsible for the casue, cost and consequence thereof which may kindly be noted....... regards..hkgaikwad

Dear Sir,
I took housing loan from hdfc ltd, and my loan a/c no is[protected]. I wanted to make part prepayment of the housing loan, the HDFC LTD is charging 2% penalty as part prepayment of housing loan. For the last more than three months I have been writing to HDFC grievance cell but response is zero. The grievance cell of HDFC simply forwards my grievances to one GEETIKA VAISH(email id [protected]@hdfc.com) and instructed me to contact this official for resolution of your complaint and her email id shows she is on leave for the last many months and it seems that HDFC LTD is resorting to unfair trade practices by not replying to my emails (HBL=[protected], This was the reference no which was provided to me by the grievance cell of HDFC in the month of OCTOBER 2011)
Pl let me know if there is any prepayment penalty on the part pre payment of housing loan if the prepayment is more than 25% of the opening balance in a current financial year on the floating rate of interest (present rate of interest is 11%)
With Regards,
JASWANT SINGH
Email id [protected]@gmail.com
842/1, SEC 41A, chandigarh 160036

DEAR SIR

I HAVE MY S.B ACCOUNT (SALARY ACCOUNT)WITH HDFC BANK,R.S ROAD, PALAKKAD IT HAS CLOSED BY BANK PEOPLE WITH OUT ANY PRIOR INFORMATION ON 26 TH DEC 2011

MY SALARY OF RS 51000/- HAS CREDITED ON 23RD DEC 2011

I AM WORKING AS SALES MANAGER FOR SOUTH INDIA IN A PHARMACEUTICAL COMPANY THE CLOSURE WITHOUT PRIOR INFORMATION HAS DISTURBED MY TOUR AND JOB.

TODAY I HELD UP IN CHENNAI DUE TO SHORTAGE OF MONEY . I CONTACTED THE CONCERNED BRANCH MANAGER MR GANESH OVER PHONE ( MOB NO : [protected] ) BUT HE HAS NOT RESPONDED PROPERLY AND NOT GIVEN ANY INFORMATION FOR WHICH REASON THEY CLOSED MY ACCOUNT THEN I CONTACTED CUSTOMER CARE PEOPLE THEY ALSO NOT GIVEN ANY PROPER REASON FOR CLOSURE OF MY ACCOUNT.

I HAVE NO LIABILITY WITH HDFC BANK

MY BALANCE WHEN CLOSING IS AROUND RS 31000 NO IDEA ABOUT THAT MONEY

THE DETAILS OF ACCOUNT AND MY PERSONAL DETAILS AS FOLLOWS

NAME : MOHANKUMAR.P
ADDRESS: 495, VADAKKE PARAKKAL HOUSE,PIRAYIRI (PO),PALAKKAD,KERALA - 678004
MOB NO : [protected]
Email ID : [protected]@rediffmail.com


ACCOUNT NUMBER : [protected]
DEBITCARD NUMBER : [protected]
CUST ID NO : 34023302
BANK BRANCH : HDFC BANK LTD,(1533), P.B - 111, 1ST FLOOR,S.J COMPLEX,R.S ROAD,PALAKKAD -678001,KERALA

PLEASE DO THE NEEDFUL AND GET ME THE EXACT REASON FOR CLOSING OF MY ACCOUNT


YOUR SINCERELY

MOHANKUMAR.P
PALAKKAD

Dear sir/madam,
This is KANCHAN PAZARE from Pune Still i have not received my PF form from company. i want to know whether the company has taken any step regarding my PF settlement..

The details of employer and me are given in the below mails.

Kindly do the needful.

Thanks &regards,
KANCHAN PAZARE
Emp.No: KO6508
MOBILE NO: [protected]

Dear Sir my self manoj kumar and i take a loan from ur bank nd all the emi of this has been cleared before one year but noc letter is still pending.none o[censored]r customer care executive take the call when i made the call to the customer care i hear the music for 30 minutes regulerily it is ur customer care or music centre?????????

Dear sir i would request to u kindly send my noc asap
loan number is 91606559
vehicle number is : DL-5S-W-5567
Name : Manoj Kumar
Address : C/o.R.L. Sharma, 631/14, Street No.12 Adarsh Mohalla Moujpur, Delhi-110053
Cont No. : [protected]

I have an outstanding payment for my credit card and at this point I am unable to pay the balance. I would want to defer the payment for about 4 months since I will not be in a position to make the payment during this time. I do not mind the interest, finance charges, late fee, overlimit fee and taxes on all of these but I just do not want to be harassed for the next 4 months. I also want their collection agency to stop calling my home and bother my family members as well.

Is there are way to do this?

Thanks in advance to any valuable advice.

Dear Sir/ mam,
My name is Shailesh Sunder Naik, and i was using hdfc gold card since 8 years ad was doing good transaction without delay, was always paying earlier before t he due date. I got a job
opportunity in middle east and since i used hdfc gold card from here more then 1 year. When i went on vacation and informed hdfc creditcard dept that im staying aboard and for that reason please updated my card and dropped a written letter that i m going aboard please upgrade my card, for this reason one of the hdfc support person called me on phone and said sir you cant use the card due to your staying aboard? how come i used since i m here from more than 1 year. And during the conversation with that office r i informed him that don’t block the card, if i wish i will block due to he said we want auto debit payment. i said no how come its possible when i was using gold card and me the one who informed you people due to im the card holder since 8 years. i informed that office i will deactivate once if i don’t wish to continue. Suddenly after the phone conversation they blocked my card and after 8 days they send me a email that your card has being blocked.
i have few questions?
I m staying aboard since more than 1 year and even i was calling there phone support to check my transaction than how come they were not aware.( all trans was done from middle east)
2) when i informed them that im staying aboard how come they block since i was staying more than 1 year and was informed already by written letter.
3) i have a pending due of 6000 thousand rupees to be paid, i will not pay if they will not active my card. And i informed them im using this card since 8 years and never delayed for payment.
The hdfc card support was bad they blocked my card and after 8 days sending me email your card blocked,.
I want my card active again or i will go to court and if consumer forums need the prove i have all the copies of email from hdfcbank creditcard, and find the fault mine mistake or hdfcbank credit mistake.?

I have a salary account with HDFC ban, home branch bangalore. In bangalore they were providing every service smoothly. But when i went to noida office of hdfc bank for change in my mailing address they started to teach me law. Every time they were asking for a new document. I told him if they want to veryfy that i am geniune owner of this account or not they they can ask question and veryfiy my signature as per their record. But they dont agree on that. so i went with original driving license. Again they told me dat they need original Pan card or passport. For change in mailing address is so much verification is required?? If required then at the time of account opening why dint they even cheak the document.???? They only take the photocopies of docs and dont even allow us to fill the form. They say that they will do the rest for us. Then why do they need so much verification at the time of Change in mailing address????

Dear Sir,
I had taken personnel loan from HDFC BANK . I has paid 18 nos. Emi out of 36 nos. Emi. Now I want to Pre CloseThe said PL A/c. But Bank is charging 4% surcharge on remaning amount. As per reserve bank INSTRUCTION no one bank will charge amount on the closing of any a/c.

TO
THE BRANCH MANAGER
HDFC BANK

SIR
MY NAME IS RAJNI KHANNA MY ADDRESS IS RAJNI KHANNA POLT NO. 105 MAIN STOP JANIPURA COLONY NEAR RADHA KRISHNA MANDIR GALI NO.2 MAIN STOP JANIPUR JAMMU 180007. MY PHONE NO. IS [protected] I REQUEST TO YOU YOU HAVE CLOSE MY TWO POLICIES BUT MY HOUSE HOLD PIOLICY IS CONTINEW PLEASE CLOSE MY HOUSE HOLD INSURANCE POLICY THROUGH CREDIT CARD MY INSURANCE POLICY NO. IS 3097995 PLEASE CLOSE MY HOUSE HOLD INSURANCE POLICY PLEASE TAKE ACTION

THANKING YOU

RAJNI KHANNA
PLOT NO 105 MAIN STOP
JANIPUR COLONY JAMMU
180007
PH. +91 [protected]

I was holding a loan account with HDFC bank with the loan account number as 13792986 from September 2008. I was always paying my EMIs on time through my ECS configured with my salaried account in Axis Bank. Roughly around December 2009, I changed my job and I had given a call in the helpline number asking what the procedure for transfering is the ECS to a new account. At that point of time, I was said that I have to go to Retail Loan Centre and after doing a hell lot of paper work, my ECS will be shifted. When I asked them if there is any other alternative for the same. Now hear this...

I was clearly said that I can physically deposit my EMI in the loan account number and there would NO CHARGES OR BOUNCED CHARGES OR WAIVERS WILL GET APPLICABLE FOR MY ACCOUNT.

I started physically depositing the EMI on the loan account number before the due and HDFC bank has been fraudulently applying a fine of Rs. 450 on my account for the next 8 months. After a period of 6-7 months, I get a call from some collection agency asking me to pay the fine. When I asked them how, I was informed that I was been charged for ECS which was never closed in my previous salaried Axis Bank. HDFC Bank shamelessly kept asking for the money. When I justified my stand stating that it was the fault of their customer care representative to give me such wrong information, they said me that they will call after the end of the tenure and also promised to me that there would be waiver of all the false charges applied onto my account.

Today December 2011, when I finished my tenure of the loan around 4 montsh back, I haven't received any "No Objection Certificate" till date and neither did I receive any calls from HDFC all this while. When I contacted the helpline, they asked me to send an application for the Waiver of Bounced charges. I had rightfully done that and after a week some girl from their Chembur address started acting hyper telling me that I have to pay the charges and there would be no waiver. When I said it would be unjustified on the part of the bank to fine me for the negligience of the bank she started defending herself with some rude and arrogant rebuttals.

IF AN EXECUTIVE FROM THE HELPLINE OF A BANK GIVES ME WRONG INFORMATION STATING "NO CHARGES WOULD BE APPLICABLE" IF I PHYSICALLY DEPOSIT THE EMI BEFORE THE DUE DATE.

This is an example of sheer negligence where the bank is shamelessly asking to pay the fine to a consumer just because some stupid customer care executive didn't have enough brains to give me proper information. This is the condition of the bank. First they will give you wrong information, then they wouldn't be kind enough to rectify their mistakes too and then shamelessly ask consumer to pay the fine for the mistakes of their foolish customer care representative.

I WOULD REQUEST ONE AND EVERY ONE TO NOT TAKE ANY KIND OF LOAN FROM HDFC BANK. They seem to be the biggest cheaters in this world. They will loot innocent people with their pressure techniques.

Sir
RS-8000/- Amount debited from my account through Fishing . My debit card is not registered in bank for ant trabsation or payment nither transaction password created by bank . When this complaint to bank then bank refuese to take any liability & refuse to revert-back this ammount

P.K.ARORA Bank a/c No- [protected] HDFC Bank Manesar Branch Gurgaon


Cell No - [protected]