HDFC Bank Complaints & Reviews

This was my letter to THE BRANCH MANAGER.

Dated. August 04, 2011

To
THE BRANCH MANAGER,
HDFC LIMITED,
100 Feet Road,
Pondicherry.

Subject: Request for refund of Home Loan processing fee.

Sir,

In reference to HDFC MORTGAGE LOAN APPROVAL - Proposal No: 80,204,739.00 dated 11 July 2011, this is to inform you that Im really disappointed with the service you offer the customer who comes for loan. I don't feel like having any relationship with HDFC from now on. I have applied for loan aproximately on 26th of June 2011 along with my reason for the loan. I spent almost 35 days for getting all those documents requested from the bank. Finally after the loan has been sanctioned, it has been blocked by the Credit Department due to following reason of “Induce is not good”. This is really not a good service. If the loan can't be sanctioned even after i have given every single document you requested in the period of time and also i gone through all verifications needed even property evaluation was done by HDFC.

Now there was a call from HDFC BANK and says your loan induce is not good to convince the credit person so we can't give the loan. My question is why can't you can say at the time of applying itself ie, before getting the process fee of Rs.5,515.00 from the customer. It makes make feel that its just an eyewash to make the customer apply for loan and after getting a process fee you can just say credit person has hold the loan amount. I met you (THE BRANCH MANAGER, 100 Feet Road, Pondicherry) at 7pm on 03rd Aug 2011 but your reply was not satisfactory for me. You have told that Sales & Credit department are different we can't recommend you in this as a BRANCH MANAGER but as a customer we came to HDFC BANK and we don't have to think about Sales & Credit department. So i kindly request you to give me the reason for not giving the loan in a written format.

I have received only the information regarding loan sanction from the loan agent and so far no sanction letter has been issued by the bank and no disbursement has been done. Therefore, If the loan amount of Rs.6,50,000 can't be sanctioned, I would like to request you to refund the amount of Rs. 5,515.00 that was paid by me through cheque to HDFC as processing fee.

The cheque details are as follows:

CITIBANK Cheque No. 806716
Paid to: HDFC BANK LTD
Dated: July 02, 2011
Amount: Rs. 5,515.00

Waiting for a satisfactory reply from you.

Regards,


Balaji.K

A request to every one. please dont buy hdfc ergo insurance. They are total fraud. I have requested them not to renew my policy after its expiry, but still they have renewed my policy and charged my credit card without my consent. i gave my credit card number via phone at the time of my first policy booking. They are using those details and charging my credit car without my permission. my humble request to all, plz dont buy and suffer like me.....

I, Shweta Dubey, holding one Saving Account with HDFC Bank [protected] DLF Phase 1, Gurgaon Location, Without any Information and any permission Bank Executives deducted Amount of Rs. 17306/- from my Saving Account, When I called to Customer Care after 6 – 7 Executive they told me simply that amount is deducted by Loan Department and I have to connect with them.

This is not acceptable if any of your customer holding account with you and trust that their money is safe with you (HDFC Bank) and Bank Person without any information and permission and any message communication they deducted the amount.

This Transaction will treat as a fraud and cheat, when Bank will treat both of the department (Bank and Loan) separately in this case before any transaction loan department has to inform customer and do some paper work. Because regarding my Education Loan I already handed over my PDC (Post Dated Check of SBI Bank to the Bank Executive).

I already informed to the bank Executives and Recovery Agency to provide me a Scan Copy of cheque and drop me a mail and let me know the bank where I can drop cheque amount locally, I recently relocated from Gurgaon Location to Banglore Location.

Loan department is not authorized to deduct the amount from any bank if loan amount is unpaid and if they already have PDC check,

If you check my loan history than you will come to know, earlier also I paid PDC check from CITI Bank, when that account closed I informed to the bank and hand over them my SBI Bank Cheque Leaves accordingly, after so much follow up with some Gaurav and Neha they got succeed to get the back the cheques leaves from Neha as per another executive Jyothi conveyed from Delhi, till that time I am used to get calls for cheque bounced from New- New Exectives, If you see u will come to know many time they drop check to closed bank and later they rectify their mistake

Please check the matter in detail and do respond and revert the money within EOD.

Regards,
Shweta Dubey
[protected]

Fraud by Bank Employe

Dear Sir,

I am Vinod kapoor. I have taken a used car loan from the HDFC Bank. Every month a agent come from bank and take the EMI amount of rs 5239/- . I got a call from bank on 29/11/2010 that agent is coming to your home to collect the EMI. I said ok send him my wife will give the money after few hours one person went to my home and said I m agent from HDFC bank and come here to collect the EMI of rs 5239/ and he told my wife the same Loan A/C number which I have. He took the emi amount and gave the receipt. After 10 mins one more guy came and said I m agent from hdfc bank and come here for EMI amount then my wife said to him one of your collogue taken the emi then he said can you show me the receipt, when he saw that he said he was fraud, you get cheated.

After that I called up the HDFC bank that how can my personal information leak out to any person that anyone come and take the money. And when I said them please look to this matter they are saying we can do anything you need to pay again rs 5239/ for the month of November 2010.

But why should I pay extra as its fault from bank. Please help me in this matter as I cant handle this more.

Pls take action against Bank. Otherwise i will load complaint against bank in "RBI Complaint Forum"
And I have major financial problem, I can't make payment. My family is in problem.

Thanking you.

Vinod kapoor

Email ID : ssaket.[protected]@gmail.com

I lost my netbanking for my account number [protected] and i tried for 5 times and it got disabled. I tried to access it through my telephionic PIN(TIN) but i could not make it enable. Can you please help to enable and send the password to my email address.

Thanks
Nija

Hi,

I have been getting obscene calls from the people at HDFC bank regarding my loan amount which is due for quite sometime. I dont have the money to pay off this loan and they are forcing me to pay the full amount.

I have been getting calls from Mohit[protected] and he is also harassing employees at my office.

I would request you to take immediate action.

Thanks
Aman

Today(06/08/2011) at 04:19 PM, i got SMS on my mobile as mentioned below:
Thank you for using your HDFC Credit card ending 6744 for Rs.1.00 in Bangalore at Dummy mer Retail on[protected]:16:19:15.

But I have not used my card today for any type of transactions.
How it is possible that my card is used by other people, and what's about Security System of HDFC.
Please take Appropriate action against HDFC Bank for this issue.

Dear,

I had work with hdfc from sep'2008 till sep'2010(Noida), my employee id is 40935, my no is [protected](shekhar dhall), i had applied for pf withdrawal in dec- 2010, but till now i did not recieve the same, i asked several times to my mumbai hr mr. abhay but they people are answerless, so kindly help me to get the same.

Thanx

Shekhar Dhall

Hi,

I have applied for a home loan with HDFC Bank as a NRI. I had told the processing time will be 15-20 days. I am facing the following problems

1. The sales guys are not responsive, not accountable for what promises they make.
2. The HDFC person when interacts via email does mention any contact number. I don't know how to contact them.
3. The information is given in piecemeal basis, this has caused delay in loan processing by more than 1 month.
4. The attitude of the sales guys is very bad. As a customer I have to call them and sometimes they just cut the phone because they don't know the exact details of the loan processing.

At the end I am being humiliated by the HDFC sales guy.

Regards
Ameya

I got an sms from hdfc bank that my credit card has been used at Dummy Mer Retail in bangalore for Re.1. I have made no such transactions. I checked up with HDFC Credit Card helpline to which they said someone had done a transaction. Here I fail to understand the possibility of such transaction when I am based in Mumbai andhave the card safely in my pocket. I also rule out any possibility of online transaction I havent shared my password with anyone. So it has to be a physical transaction which cannot take place without the magnetic strip of the card. ITS Cheating from the side of HDFC Bank.

I want this sorted out as tomorrow I may receive a message with a transaction of higher amount. Look into the same.

Hi,
My name is Mayuresh Sant and i have an HDFC Credit Card actually i called the customer as i paid late payment 2 to 3 times although i made the whole payment each time just the thing that it was lagging a few times. I then applied for Loan in other Bank before that i called the customer to confirm if it would be problem but she said that i won't be problem and you can ahead with the proceedings this is the actual problem came when i processed my loan but it got rejected because of the Defaulters list i confirmed it twice for that lady about the Defaulters she said it won't be a problem why they misguided me this one complaint second thing if i was making a payment but it was partial i also paid their each and every charges every time and i called the customer care promptly about it and told as well about the financing problem but i made full payments afterwards then also why my name is on the defaulters list this is second thing third thing if you are charging for Late Fee why do you put me on the Defaulters list in this case its totally their mistake i want the total reimbursement of my Late Fee and whatever charges they applied to if not i will surrender my card and will never use HDFC Bank Services again in my Life this is the how you treat a customer ha at least you should inform the terms and condition and not mislead the customer with false information this is simply ridiculous i did not expected this from HDFC i want a solution on this...I have been using bank services since Two and a Half Year this quite embarrassing that they had put me into..I will register a complain on each and every site till the time my complaint is not solved...

SIR, I HAVE USED HDFC ATM ON 02/08/11, BUT WITHOUT DELIVERING MONEY IT HAS DEDUCTED RS. 2500/- FROM MY ACCOUNT OF SBI. THE ATM HAS SHOWN "UNABLE TO DELIVER" HOWEVER THE AMOUNT WAS DEDUCTED. PLEASE DO THE NEEDFUL TO RETRIEVE MY MONEY BACK.YOURS FAITHFULLY---MANOJ KUMAR SINGH.MY A/C NO. [protected]

Dear Sir/Madam

I would like to tell you that no bank will provide loan sanction letter before getting loan; if you are mentioning about sanction letter after getting loan, then, I am not eligible for the amount I require to purchase, due to this personal loan (EMIs)...
When I spoke to your official and told about this, I was asked for Agreement photocopy. As per the discussion, I went ahead and made agreement. If you mean it doesn't have any value, then you mean Bond paper doesn't have any value in India?
Apart from this I need not have to fool you people by telling I am buying house, as its just 3 more months to complete 12months of EMIs.
I was not allowed to talk to HDFC manager (Indiranagar branch, Bangalore) in person regarding my problem.
I have been requesting everyone in HDFC from almost a month now and I realise now that I have been fooled and made to commit a big time mistake of making agreement of 2lakhs rupees by wrong instruction, which I may have to loose.
Its frustrating that though I am ready to pay 3 EMIs together and then loan amount+penalty, I am not allowed to do so. I am not eligible for housing loan due to this. Every rule has an exception, But I wonder you don't have any exception!!
In future I would not make any mistake of taking any loan from HDFC for the least understanding from the team...
I would even suggest my friends and consumer forum not to commit this mistake and share about the problems, inconvenience, that I had to face...

TAKE HOME MESSAGE: "U CAN MEET CM OF YOUR STATE, BUT CAN NEVER MEET HDFC BRANCH MANAGER IN PERSON"

THANKS A LOT FOR MAKING ME WAIT FOR ONE WHOLE WEEK FOR THIS REPLY...

Deepashri K.M.
Scientist
Connexios Life Sciences
Bangalore


On Tue, Aug 2, 2011 at 5:40 PM, <Response.[protected]@hdfcbank.com> wrote:
Dear Customer,

Further to our below response, we understand that you have provided a photocopy of the sale agreement to our official. However, your request for foreclosure of the loan prior to twelve months shall be allowed as a special case if you provide us with a photocopy of your home loan sanction letter .

Kindly contact our official Mr. Swaroop Hegde on [protected] in order to hand-over the photo copy of the Sanction Letter.

Warm Regards,
Tejali M.
Customer Service Manager (Chairman & MD Cell)
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013


From:
Response-Escalatedcomplaints/Quality Initiative Group/KamalaMills/HBL

To:
[protected]@gmail.com

Date:
08/02/2011 03:18 PM

Subject:
APW[protected]MN


Dear Customer ,

We acknowledge the receipt of your email dated 31st July 2011 received at our Corporate office seeking closure of your Personal loan with us.

We draw your attention to our response dated 23rd July 2011, where we have requested you to provide a photocopy of the Sanction Letter of your Home Loan with Corporation Bank.

On receipt of this copy we shall be able to review this further.

Assuring you of our support at all times.

Warm Regards,
Tejali M.
Customer Service Manager (Chairman & MD Cell)
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013



Re: APW[protected]MN

Deepashri K.M. Rao
to:
managingdirector
07/31/2011 09:17 PM


Cc:
Response.Escalatedcomplaints





Dear Swati,

As per the discussion with your official Swaroop Hegde, I had sent a scanned copy of home agreement on June 26th. He has forwarded it to his higher officials, but till now they have not reverted back to him. So I have not received any response. I need to close the loan and apply for the home loan. I have only 2months of time to get it registered from the date of agreement. Also I have spent 2 lakhs for agreement, so as to provide you for proof, which I might have to loose in case of delay. Please help me to close the loan as soon as possible. I obtained the personal loan from HDFC within 2days and I look forward for the same kind of service from your team. I request you to kindly look into this issue and help me out at the earliest.

Thanks
Deepashri K M

On Sat, Jul 23, 2011 at 2:58 PM, <Response.[protected]@hdfcbank.com> wrote:
Dear Customer ,

This is in reference to your email dated 20th July 2011 addressed to our Senior Management regarding foreclosure of your Personal loan account .

The matter has been investigated and our advice is provided hereunder:

We understand that you wish to close your Personal Loan with us in order to avail a Home Loan facility with Corporation Bank.

As per your discussion with our official Mr. Swaroop Hegde from Personal Loan division, kindly provide us with a photo copy of the Sanction Letter of your Home Loan with Corporation Bank.

Kindly contact our official Mr. Swaroop Hegde on [protected] in order to hand-over the photo copy of the Sanction Letter.

Assuring you our best services.


Warm Regards,
Swati G.
Customer Service Manager (Chairman & MD Cell)
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.



From:
<[protected]@gmail.com>

To:
<[protected]@hdfcbank.com>

Date:
07/20/2011 09:41 PM

Subject:
Customer Complaint/Query/Feedback/Suggestion addressed to Mr. Aditya Puri


Customer Name : Deepashri K M
Residence/Office No : - -
Mobile No : [protected]
E-Mail Id : [protected]@gmail.com
Are you an HDFC Bank Customer? : Yes
Relation with the Bank : Loan Customer
Account / Credit Card / Loan Account No. / Customer ID : 17563522
Complaint/Query/Feedback/Suggestion : Sir, I had taken personal loan and I was informed I can close after 6 EMIs. I have already paid 9 EMIs, but now I''m told it has been changed to 12 EMIs. I am not allowed to talk about my problem to branch manager (Indiranagar, Bangalore)by other officials. I wanted to take housing loan and I have to close all my existing loans.I wanted to avail other services, but with these kinds of problems, I feel frustrating. I expected better service and understanding from HDFC. But I feel bad for this kind of helpless nature. I kindly request you to help me in this regard and allow me for preclosure at the earliest.
Escalated earlier : Yes
Channel : Branch

Dear Concern,

I had credit card issue with HDFC bank which has been settled through settlement letter but still HDFC Bank hold salary. My salary has been credited in my HDFC bank account no.[protected]
which is showing on hold.

Kindly do the needful

Regards,
Gurmail Singh
[protected]

whole i was in kolkata, i got an sms from hdfc bank that my credit card has been used at Dummy Mer Retail in bangalore. I contacted the helpline immediately and the hdfc official assured me that the amount transacted would be reversed and result of their investigation will be apprised by them to me within 48 hours. But after 72 hours when i contacted them, they refused to make any enquiry unless I fill up a Form downloaded from their website. the also refused to reverse the money tranacted illegally. The behavior of HDFC Bank surprised me. I suspect, HDFC bank officials are involved in the racket of fraud. I request Reserve Bank of India to intervene and take stern action against the bank for their act.
m. saha from kolkata [protected]

Dear sir, as per r. B. I. Guidelines do not insite at opening only t=rs 5200/ how can manage poor and poverty all banks have instruct only rs 2ooo/ ats a opening balance, in karaikudi branch we did not see manag has reflecteder in seat, their service has very very poor, any bank did not opened at hospital, it has reflected that branch has a sikkone, all of staffs were transfer immediately new staffs are appointment. It has always rural branch suddenly reduced opnand ment have a balace rs 2000/ only/all of the staffs did not understand negosible instruement act and any rbi violeation act sn. Ol. M. C. Nm. Oppilal achi w/o n/mookan chettiar mba, pasummadam veethi, near sivan koil karaikudi 630001.

Respected Sir,
I am Ex Employee of HDFC Standard Life Insurance and My Employee Id is 52813,After leaving the company i applied for Pf and after several reminders to HR through Emails,telephone calls and visits to Branch and even i called Pf Deptt for the release of Pf no one concernd is taking steps,I called up several times to Pf Department but they are not listening to my query and i am following the issue from last one year but i am unable to solve my query.Even to know about my Pf No i had to call several times to HR Department and the Pf Department of HDFC then they gave me my Pf No,My Pf no is 37109.

I need your help and guidance for the release of my Pf.
I hope you will surely help me in releasing of my Pf.


Thanks & Regards
Darpan Walia
[protected]

Sir,
I had made an transtion for widrawl of Rs. 10000 from my ATM Card No.[protected] at HDFC Bank ATM in town Kalayat of district Kaithal (Haryana). after some time the ATM Machine showed the transaction timed out. later on I checked my account and found that Rs. 10000 has been deducted from account for above mentioned transaction. I have complaint about it but not get any response. So you are requested to kindly look into the matter and refund my Rs.10000 as soon as possible.
Date of transction 03.07.2011
time between 10 to 11 AM
CONTACT INFORMATION
[protected]

I SUBMITTED MY DOCUMENTS 2-3 TIMES FOR GENERATION OF CREDIT CARD BUT THAT WAS NOT GENERATED FROM THEIR SIDE... N WHEN ASKING WHAT WAS THE REASON ... THEY DONT HAVE CLEAR ANSWERS OF FAILING THE GENERATION OF CREDIT CARD....RECENTLY I GOT A CALL FROM HDFC TO GENERATE CREDIT CARD... THEY ASK ME ABOUT MY PAN CARD NUMBER... N TO CALL ME BACK ... BUT THEY DID'NT.

I am previous employee of HBL GLOBLE PVT LTD. i was given my resignation dated 21 March'2011& my last working day was 20 April 2011 in company . i have received my full& final amt Rs.4970/- Only That was very Short amt. I want to required calculation of said amount& also i have not yet received my Annual Bonus.pls provide information for that as which is given for previous year(i.e year[protected]..

Till date not received any reply from Company As i was wrote so many reminder mail on Company's H.R.Mail Id.


Regards,
Sudevi
[protected]