HDFC Bank Complaints & Reviews

My name is Sarad Agarwal.I am from Varanasi.I was a credit card of Hdfc Bank([protected]).I paid full amount of Rs.7000 Dated 09.04.2007.After 2-3 years they call me from Lucknow and said if you
need the NOC then you have to pay Rs.[protected] .I paid the amount but they not issue the
NOC.Today dated 31.10.2011 one phone came from Delhi the person said me I am calling from
Delhi Police and I have a compliant against you of 420.The person is called me from this
number [protected].I send you the slip of settlement please check the attachment.My card number is
[protected]

I am Bibhash Pal, S/o- Sudhanya Pal. Address:- Vill- Adityapur, P.O.- Majdia, Dist- Nadia, Pin- 741507, West Bengal.
I took a loan from HDFC Bank as two wheeler purpose. My loan agreement No[protected], at 01/02/2008 for 36 months. And i have payed my all installments timely. Actually i payed my installments by useing my SBI savings account. And i gave 36 post dated cheques to HDFC Bank Limited. SBI is saying my all 36 cheques was withdrawn by the HDFC bank LImited. But HDFC Bank is saying, one cheque was bounce. But my Bank statement is saying my all cheque was clear.For that, I have been charged penalty by the HDFC Bank Limited. HDFC Bank took a extra cheque form me at 24/06/2011, cheque no:216056, Amount : Rs. 1750.00
Actually I have confused at present. So, What should i do now.
So i need help for to recover from this harassment.



Yours Faithfully,
Bibhash Pal
Adityapur
Majdia
Nadia
e-mail: [protected]@gmail.com

Hi,

Please treat this email as a formal notice from me and the penultimate step before going to the court of law against HDFC Bank for mal-practices in the Collection of Credit Card Dues

I understand you must have received lacs of complaints from your customers regarding pesky collection calls. This email also may just go completely ignored by the authorities considering the fact that there is a flaw in our collection system as on date.

Still, I am writing to you today to COMPLAIN against one of your pesky , unruly and insensitive collection agent Vaishnav ([protected])

I have a Titanium International Credit Card # [protected] with HDFC on my name. This is a new card and is yet to complete 1 year. Now owing to some really bad reasons, I haven't been paid completely since June this year and have for obvious reasons faced a lot of difficulties in keeping up with my expenses. It is quite obvious that this problem has shadowed my credit card as well. At present I guess I owe the bank an amount of around 75K and a minimum due of around 5k.

If you see my account, then you will notice that despite these issues, I have tried to make whatever payments I could and live up to the dates - which is a clear indication that I am not trying to run away with this money and have the intent to make the complete payments regularly (including the over limit, finance and late fees). I have been in touch with this above mentioned agent since the beginning of this month and I have been telling him that I have a financial issue up my sleaves and due to the festive season ahead, this month it will be a little tough to organize any payment, however I will still try.

Since then, this person kept calling me regularly and asking for money and I kept telling him that I have not been paid and it will be tough, however I am trying. Once when I did not pick up his call (Because he was calling me repeatedly and I was in my office) this person called up my wife and spoke very rudely to her, which was completely uncalled for and I guess to the best of my knowledge, not as per the laws also, especially for a card in this delinquency stage - when the customer is in touch with the agent, but did not pick up the calls because of his repeated attempts to call up despite of telling him that it is tough to make the payment.

Today when I spoke to him this morning, I told him that I could not arrange the funds and will be able to make the payment only by 1st November 2011, when I get paid. In response this is what he has to say:

- Sumit ji, you are a liar and if you did not want to make the payment then you should have told me in the beginning only
- I am sending your card account to recovery and they will call your wife for money and send people at your place to collect everything you owe the bank
- The bank will not be responsible for anything that happens to you after this (I have taken serious offence to this)
- Sumit ji because of the fact that you are not making the payment of 2k, I am going to get a warning letter from my bank for holding your account for these many days (18 odd days, since the time we are in touch with each other)
- He also said that he does not care if I complain, because if he is already getting one warning letter, then what difference will another letter make
- He bluntly said, that if I cannot even arrange 2k, then what in the world can I do (when I told him that i will complain)

I told him that I will be able to make the payment of 5k on 1st November 2011 before noon - but this person humiliated me like anything, completely expected, but unsolicited behavior!!!

I want to understand, that if I was even ready to share my salary account statement to prove that I have not even been paid completely in the last many months and now that I have changed my job, I am sure I will be paid on 31st of this month still does any law give him the right to humiliate me like this? To threaten me that he knows my wife's number and he wont be responsible for anything that happens from here on?

I am sure of making the payment on 1st and considering this collection stuff, I will try and get rid of your card at the earliest possible day in my life. I am genuinely surrounded by financial problems and still I have been humiliated like this! If anything happens to me, my family or our health because of this, then only and only HDFC Bank will be responsible for this. Any loss to my health, mental state or anything else for that matter will be only HDFC Bank's responsibility!

I am sharing this email on other forums as well to enlighten people about HDFC's such practices. I am highly disappointed!!!

Best Regards
Sumit Saxena
Mobile # +[protected] | Email: [protected]@yahoo.in
Blog: www.sumitkiduniya.blogspot.com

This credit card account no [protected] has been settle long back and there is no dues. Please find attached herewith scan copy of no due certificate from HDFC cards.

I am classic bank account holder with HDFC bank for more than 10 years.

So you are kindly requested to remove my name from the list

Hello,

I have made a transaction for renting a car at michigan, USA by Forex card o[censored]SD 1600(This amount is really large and I need this money urgently for spending for my usage here for the remaining days over here). It has been 10 days now I have not get my reversal amount that stuck with the HDFC bank. I called up HDFC customer care for making a complaint but still no action it has been taken for reversing the amount by...

I agree with you all 100% since recently I came across the similar problem. I have a

loan account for Rs.10,00,000 with hdfc. I pay Rs.27280/- for 4 years. Recently I

needed some more money to pay my last instalment of my TDI flat in Kundly and I

requested for another Rs.3,00,000/-. Ms. Reena from HDFC bank contacted me

and told me that I have to pay Rs.29800/- per month for another 5 years ( I already

paid Rs.27280/- for 5 months). Since was in dare need of money, I agreed on this.

She collected the salary slips, my wife's salary slips (for a combined loan) and after

a month she contacted me again for signing the documents and for 3 blank

cheques. Since the executives are confusing me with the loan amount and rate of

interest, I asked her to let me know the final amount before handing over them

the cheques and other forms. She said that she will get back to me in 2

minutes...she never done so till today. After one week, that is yester day, I got an

SMS from the bank stating that "Loan application for Nand Kumar Menon of

Personal Loan, LOS No. 19790210 is disbursed for loan amount 22.80,000/- tenor

60 EMI 28852" ... followed by that another SMS "Amount of INR 217,522.00

DEPOSITED TO ACCOUNT NUMBER XXXX000 TOWARDS[protected]P-LOAN-

APPROVED-NAND KUMAR MENON". I never got a final call and never agreed on this

loan amount. I was supposed to get Rs. 3,00,000/- where as they top-up my loan

amount and given Rs.217,522 with an instalment for 5 years. I have to bear them

since my salary account is with them since more than a decade.

Hi

I am a user in HDFC bank and i have a salary a/c in HDFC and bank has provided me a master debit card But i am not able to pay any bill from this card .

So now i want to change this card into Visa debit card

Please if you can help me out of it.

Thanks
Sagar

Dear Sir/Madam-I had availed a Home Loan from HDFC Bank at Chennai and my loan account numbber is[protected].
Last week, I closed my loan, for which they have levied 2% + ST as a foreclosure charge and they were against waiving the same.
Request you to do the needful in waiving the same, as Rs.36000/- is a huge money to me.

Pls do the needful.

Rgds/Anush Kumar K
[protected]

For net Banking I dont know Customer ID Number. Kindly guide me how to create Customer ID Number

Hi,

I have applied a Personal Loan in HDFC BANK & they rejected my application & as per them My name is in CIBIL. As per mine I have never default in any bank. So please let me know the reason why & which bank has given my name in CIBIL deptt.I am using credit card in HDFC bank & i have paid all my dues before the due date my due date is 7 of every month & i am paying all my dues on 1st of every month. I have never been default in any of the bank.

Thanks & Regards
Isha Chopra.

Sir,

I have recieved my credit card but until now i have not recieved my credit card pin.

Kindly revert back to me either by email or by phone. Please find the contact details below


Regards
Gopi Ikkurthy
Ph : +91 [protected]
email id : gopi.[protected]@tcs.com

I had requested for cheque book on my salary account. My mailing address with them was my previous address from where I have been transferred, so I asked my colleague to collect the same. Till 10-15 days the same was not received so I called up on the phone banking number, they said that we will book complaint. Than also till next 10 days the same was not recd, than i called up again they said we had delivered but since you were not present in person we have recd it back in the ghansoli- Navi Mumbai branch & asked me to collect the same from there. When I said I wont because I stay & work in Mumbai so it wont be possible for me to bunk office & come there, they said that we can deliver it to your nearest branch but for that you have to prsonally go & request at the branch itself. I took half day from office& went to Nariman pt branch, but there also they said that server is down & they cannot help. Than I went to Knadiwali Mahaveer nagar branch, the concerned person there said call on phone banking number & tell them to redirect it to this branch. I did the same, & they gave me a new complaint no MumC [protected] & said that it will be delivered to this branch in 3-4 days. But it has been week & when I called them up agin they are saying that it is delivered to your mailing address, However it is not recd my colleague. This whole process has taken more than 2 months, I initially started this in 22august and it is 21 oct & no resolution yet. I want to invest the money which is lying idle there from past so many days.
The bank is really disgusting.

Dear Sir
I have taken a Housing Loan of Rs. 2700000 (Loan Account Number is[protected] from Housing Development Finance Corporation Ltd. (HDFC) Ltd., Delhi. In terms of the loan agreement dated 16th Nov 2005 with no prepayment charges if I pay it from my own sources(eg.savings or loan from relatives). Upon foreclosure of my loan account, the Balance amount of Rs.1478783/- to be paid by me on dated 3rd October 2011. I prepaid my loan from my own sources on dated 3rd october 2011 to foreclose my account because of increasing interest rate.
To prepay the loan, I have arranged some money from my relative through personal cheque and not from any financial institution or bank. But they refused to consider the amount taken from my relative and charged Rs. 27703/- as prepayment charges (@ 2% INCL ST/EC) on Rs. 1255783/- (out of Rs.1478783/-) after considering only 223000/- as my own sources.
I therefore request you to kindly reconsider my case as I have not arranged any amount from any Bank or financial institution to prepay my loan.

Dear Sir/ Mam,

We wish to inform you that M/s HDFC bank have become hub for recruiting those persons who are carrying fake educational certificates.

Specially Vasant Kunj Branch , New Delhi. Maximum Employees had submitted their Fake and duplicate education certificates and NO VERIFICATION OF EDUCATION WAS DONE BY M/s HDFC Bank.

One Employee name. Mr. Pranay Bhargava is carrying fake certificates and is working in M/s HDFC bank, Vasant Kunj. He behaves very badly with the customers.

we request you to take immediate action against all the employees working like this and these persons should be thrown out on immediate basis and they should not be allowed to work anymore.

Regards,

Lavanya

This is to inform you that my salary a/c in your bank A/C NO-[protected] 827.25- Rs debit in my a/c dt-13.10.11 AQD charges.what is aqd charges. Deduct in without information.Plz check & confirm.My moble no-[protected]

Hi

My name is gaffar and my card number is [protected] and past 1 year i am using HDFC credit card and still i haven't receive any statement and i was complined no.of to customer care and bank and collection deptment, still i didn't receive any status, and most importnat thing is guys(Name Areefa) from collection, chennai, she don't know how speak with customers over the call and still we r supprising how the bank this kind of irresponsity workers hires in the bank, if take any action personally, requsting to higher autoroities look into the issue and take it as high priority. other wise Now I have two options either I escalate to MD level or highlight to media about inefficiency of Bank customer support. and is not imagine how much amount need to everymonth, so u just need to inform or send the statement.

Most important thing is that lady AREEFA from chennai number [protected], got the cal from this number and she need to explain, about her misbehaviour towrds the customer, and i am taking this as serious and fire her from his job, otherwise bank name will spoil in future.

On 14th oct 2011, I transferred 40000 usd from my USD account abroad to HDFC account in BBSR, Orissa. On Friday I tried calling Jyoti Ranjan Prusty, Customer relatioship manager some 10 times on his cellular but no response. I sent him a mail , no response. I was trying to contact him just to ensure the exchange rate. I have been tracking the exchange rates on RBI's website and it was around 49.15 to 49.5rs.

This morning I received a mail through the alert service of HDFC stating that the exchange rate considered was 48.5rs. I feel I am cheated by HDFC bank as there is no proper information from the bank's side. You can not take customer for granted and play around.

Why Jyoti Ranjan Prusty is not accessible for these type of information ? Why I have to loose 40,000rs just because you want to give me lower rate.

Honestly speaking this is not the first transfer that I am making. I have made several in the past and always I have been ignored and misguided like this. After the money is transferred Jyoti would say that "sir this is the best rate that we can give". I can not keep loosing money because of the bank as this is hard earned money.

REGARDS
AVINASH MISHRA

respected sir/madam
my name is yogesh saini. i have my bank a/c with hdfc bank since 2009,it is "0" balance a/c my a/c no is [protected].my bank has deducted Rs 827.25 without any prior permission from me.
now they are saying it was salary a/c, now it is converted in saving a/c,you have to maintain RS 10,000 per day in this a/c.
i am also agry with this issue but i am saying that please revert RS 827.25 THIS TIME I WILL MAINTAIN THIS BALANCE OF RS 10000 TODAY ON WARDS,AS I WAS NOT AWARE OF THIS ISSUE, so please resolve my issue

rgds
yogesh saini
[protected]

i anurag agarwal, have an account in hdfc bank,r g complex,sec 9 rohini delhi 110085.according to bank policy my acco had minimum balance in every quarter,.even after that bank has deducted rs 827 +827 [two times] for not maintaining the minimun balance without any information. when i went for updation of my passbook ,i come to know this. i tried to talk to them, every time they said they r busy.
please help me to sort it ,&reverse my hardearned money.

Insurance Policy No. 10640211

I am working In Nigeria and when I was on leave HDFC Officials with 2 of their agents approached me for Insurance Policy. They came to me when I was about to proceed my return journey and quickly they took my signature in their proposal forms and asked me to drop the cheque and some other documents with my wife which they said they will collect within a week time. Accordingly they collected the documents and cheque for the first instalment but later they came back and said I cannot get the Policy since I am working in Nigeria which is not covered in their scheme so they convinced my wife to change it on my sons name who was minor at that time. Later I also agreed for the same.

Now they send the form for Money back payment (5th year) which I filled and submitted to their Thiruvalla Service Branch. After almost one month they called my wife and informed her that the form submitted by me is rejected bacause my son is now major and he has to fill the form and I have to fill a form and submit another form to transfer the policy to my son with some of his documents as proof and Original Policy. I have submitted the same with original Policy to their Thiruvalla Office personally on 24th August 2011 while I was on leave. While submitting they said it will take 2 weeks for their process and 3rd week I will get the Original Policy and the Payment.

Even after one month we have not heard anything from them regarding the policy as well as the payment we have contacted their Thiruvalla Office as well as Bombay Office to get the feedback. Both the offices are replying in irresponsible way regarding the policy and payment. Two times I have lodged the complaint to them through their Web which is yet to be addressed.

In view of above, please advice me what course of action I have to taken against them. I am awaiting for your advice.

Abraham P. C.