HDFC Bank Complaints & Reviews

I applied for a HDFC personal loan as i was in an urgent need of a loan by calling phone banking and registering a request for a callback.After 2 days i got a call from Deepa from mumbai loan dept (Phone no [protected]) and she confirmed my address,Income,and many things etc and told me i am eligible for a personal loan.After 2 days i submitted all my documents to a executive name Santosh and then within 3 days i recieved a message on my cell that Congratulations !! your personal loan application is accepted and your reference number is 18612665.then in the next 1 week all kind of verifications were done i.e office verification,residence and also on phone.Then when i didnt get any reply i called Loan dept and they told me it's rejected because of 2 reasons.1) My residence is in a negative area 2)My salary is not meeting the income norms.My question is at the time of applying miss Deepa told me that salary should be 12k if i am having a savings account with HDFC and 15k if i dont have an account with HDFC.Now here i am having a saving account with HDFC,But even if i am not having an account then also i am having a salary of 15k per month tio meet the other criteria.Secondly if i stay in a negative area then why not inform me before applying for a loan as i clearly told her that i stay in mumbra and why to waste my 1-2 weeks.So guys please please do not ever trust HDFC executive words.They are CHEATERS !!!

Sir,

I had a newly open account in your HDFC Bank on dated 29-03-11 hdfc caf form no sb [protected] and cheque no 644441 dt[protected]but you not opened my account and also not given me any type of response from your side. I have been contact in many times from your customer care executive and launched many complaints regarding my newly open account, my complaint no. is del00557 Dated[protected] and he is told me that your account will be opened in Karkardooma branch not in our preet vihar branch. But I don’t want to open my account in karkardooma branch. I face many difficulties due to situation and I hope you will realize my difficulty and take a necessary action to improve the situation.


Thanking you,



Yours faithfully,
SHUBHAM RUHELA
[protected]

Dear Sir,

My car loan no. 12934095 is over on 7thApril 2011.It was 3 years car loan.There has been no defaultment neither delayed payment.But till date i have not recieved any calls from the customer representative from HDFC BANK LTD. neither the NOC for my vehicle.My vehicle is M800(White)-A.C.My car registration is GJ6CM3742.

I hereby request through you that the bank officials kindly expedite the remaining formalities.
HDFC BANK LTD. is considered to be one of the premier banks of the country.This type of behaviour and lack of seriousness is a shameful act.During the time of taking loans everybody from the manager to agent is so forthcoming and so aggressive,but the same does not reflect once the loan is over.

Regards,

Ajatshatru Ghosh
+91-[protected]
[protected]@yahoo.com

Dear Sir,

my personal loan number is 18410798.
my personal loan is sention on 20/03/11 of 2,58,000 Rs.
As per talk with hdfc bank customer care 2,50,319 Rs. is credited in my account after cutting all fees.But actual amount credited in my account is 2,39,822 Rs.
so,i want to know that where is the rest amount is

viral patel
[protected]

My self Manish Gupta using HDFC Credit Card 5243 **** **** 8224. i deposited cheque on 24 dec for bill after confirming from their costumer care as next day is christmas, so that they dont charge, but when i got the statement there was charge added in bill. i again called them to cross check then they said it will be adjusted in next bill. and i did the payment. but again they did nt work and then i decide to not to any amount unless they adjust my bill. now some collection team is calling me and threatening me that they will spoil my CBIL record and blah blah blah..... kindly help me

Manish Gupta
[protected]

I am a senior citizen and currently suffering from paralytic attack.

I was called up by Madam Sneha whose mobile number is [protected] and told that she's speaking on behalf of hdfc and asked if I am interested in a car loan. I said yes. Thereafter, a man named Mr. Satpal Singh, whose mobile number is [protected], came to my office and on my requirement got sanctioned a car loan of Rs 3,46,000 against which I wasn't paid the total amount as sanctioned and got signed some paper from me for the purpose of deduction of installment from my account number CNRB0001956 through ECS @ Rs 11,248 for 3 years and charged me Rs 1000 for an unknown reason and told the receipt of the same will be issued to you soon. Mr. Satpal Singh also collected some posted dated and current cheques stating that these cheques are for the purpose of security and will never be produced for encashment. The statement he gave me in writing also.

In the month of January, 2011, Madam Swati from HDFC called me and informed me that your cheque of Rs 11,248 on account of installment paid by me has been bounced. I replied to send your man to collect the installment along with the bounced cheque. A man came to collect the fresh cheque in lieu of the bounced cheque and I also narrated the whole story to Madam Swati and she confirmed the same from Shri Satpal Singh. He apologized and said I will come to you and set right the whole process immediately and in future no cheque will be produced for encashment.

In the month of Feb, once again Madam Swati called me and informed that your ECS has been bounced. I said Ok, you send a man to collect the cheque. I confirmed from a bank that there was no ECS form submitted for deduction of my installments. I narrated the same story to Madam Swati. Madam Swati apologized for the inconvenience caused to me and assured me that a man will come from HDFC to get your signatures on a fresh form for deduction of installments (ECS) from my account.

Now, in the month of April, once again, some Mr. Amit called me and said your ECS has been bounced once again. I got agitated on listening to that and asked him, you send some senior man from Hdfc to listen to my complaint and set right the system, so that there should be no complaint in future. And I also gave him a number of Madam Swati since she is aware of my problem. I also gave the phone number of Mr. Satpal Singh, who is responsible all the problems, whatever has occurred. He refused to talk to Mr. Satpal stating that my service will be in danger if I talk to Mr. Satpal. I do not know why the service is being is in danger if the problem can be sorted out from a person who has created the problem.

Now, I have the following issues, which may please be sorted out as soon as possible:
1. My Bank so far hasn't been informed about the deduction of installments from my Account through ECS. My bank should be informed properly so that in future there should be no problems and confusions for deduction of installments
2. Why a penalty or interest, if any, in lieu of bouncing installments should be recovered from a person who ever responsible and action should also be taken whether its a DSA or a person directly working for Hdfc since I believe DSA is also working for Hdfc or on behalf of Hdfc
3. On what account Rs 1000 cash as a charge by Mr. Satpal Singh was taken and why a receipt of the same has not been issued to me

An early action in this regard will be highly appreciated.

Regards,
Mr. H.C. Grover
Auto Loan Agreement No. 17740402
Ph.: [protected]

Hi,

Lessons Learnt:

1. Never Ever again take personal loan/any loan at HDFC especially at Bangalore, Indrangar branch
2. Make sure that ever thing is written on paper i.e interest Waivers, fore closures, hidden charges, insurance stuff blah blah...
3. Don't get biased by the initial offer they will definitely change the interest etc by seeing your need of desperation for money.
4. Top Management @HDFC is very good at "Techincal Stuff(i.e paper work)" not bothered about the Customer crediability
5. HDFC Grivenace Redressal total waste of your valuable time and phone call charges. They will response with your same complaint framing with fancy words.
6. On the bottom, becareful while taking any loan at HDFC not only personal loan don't get biased by the Salary account formula.
7. HDFC staff is very aggroant thinking that HDFC is bank is Numero Uno in all stuff. Some time ICICI was also Numero Uno becareful word of mouth & Consumer complaints will did the magic.
8. Its very difficult to get hold of the guy related to Personal Loan Issues at HDFC
9. Within HDFC you will see that loan promotions offered at different, which is ethically wrong treating same customer differently at differnt branches, thinking that they ared doing business




I took a Personal loan of 6Lakhs at HDFC in 2008(Loan A/c:[protected]. While processing the loan HDFC representative promised me that he will get me interest rate of 13.5%, No processing fee and Fore closure charges of 2%. So I went with the processing on the outset though I had a good loan deal with AXIS, but since representative told me that I hold salary account with HDFC.

Surprisingly, while disbursing the loan representative told me that he could not promised waiver for processing fee and interest rate. Since I was urgently need of money and was not in position go with other bank I have forcefully accept the 14% interest rate and 2% processing fee. This is clearly creating trap for the customer.

At the same i asked for the forclosure charges of 4% for which he said 2% waiver by default they will give to all customers 4% is only paper. I thought this might be true.

For the same when I recently went to HDFC bank foreclose the bank loan, I really shocked by the response given by HDFC Indranagar branch, Bangalore. Santosh who told himself as Customer Service Manager was very rude atleast to listen. After some verbal argument I could get some other Creidt sales Manager mobile number i.e. Kiran Subbaiah To him I called numerous times he never lifted the phone.

That time I was thinking that for personal loans promotion they will call and pester you so many times but when you close they treat you like piece of junk.

So, after again 5 days I tried to reach Kiran fortunately thank god he lifted the phone and I explained the foreclosure charges wavier on the verbal agreement thinking that thing will smooth, but again got surprise answer "Technically" since 4% on paper I have pay 4%.

I got very upset i thought I explain when I met him personally so I can explain things clearly so I scheduled a meeting next day meeting.

In the meeting I met new person name Bala after explaining very everything to him, he said then why took loan at HDFC and he started defending Representative who processed the loan.


Out of all frustration, I contacted Regional Head namely Pradeep Venkatchalam he very nice person, explained me intricacies clearly though he was very urgent in leaving. He said will try to get waiver on my Personal loan. But unfornately, he could not get waiver since the department is not directly under him, so he could get the waiver from the Mumbai Team.

On the whole, Never ever take Personal loan or damn loan at HDFC. They say something verbally can be done, at the end they will cheating you saying Technically it should be on paper.



Regards,
Santosh

Dear Sir,
I have applied for the credit card and I have received my Credit Card on . When I was applying for the card bank staff members said to take a mediclaim policy. But I have rejected the offer. They said ok. and they told annual charges for card is 199 . Now they are telling that i have to pay EMI for it for twelve months.
Very Bad on the Bank part

i m holder of platinum credit card.. last month i made payment of credit card..but by mistaken i wrote a single wrong number on cheque...dats why it dosent get cedit to my credit card payment...i request you to kindly reverse that payment to my credit card bill...and deduct the all finance charges and late fees from my current statement.
thank you.
Arun Karande
Vashi, Navi Mumbai

My loan Ac No. 18023646. I had taken a loan of Rs. 70,000/- (Seventy Thousand) agains two wheeler loan for a bike. During the paper work i had mentioned the person from HDFC bank to allote me 10th of every month as EMI date as i get my salary on 5th of every month. The EMI for last two months has gone on 10th but in the month of April 2011 there was a call from bank stating that there is bounce cheque , it is then lernt that the bank has freezed 5th as my EMI date without consulting me. I will not be in a state to pay the EMI on 5th as my salary comes on 10th of every month. Kindly change my EMI date to 10th or else I will not accept the bounce charge hearafter for your miskae and poor customer handelling by the bank. Its a clear case of negligence and harrashment. Kindly revert me with the status and change the EMI date from 5th to 7th of every month

dear sir/mam,
on 9th of april i am booking the ticket from lucknow to delhi, and at the time of payment process from credit card (entering verification code) the net connection had lossed and the ticket had not booked,but the ammount of 637 rs had deducted at 10:35 am,and even i have not got the msg from irctc,then i have booked the ticket,thinking that if the ticket had booked so ammount also wl not be deducted,but the same ammount will deduct twice at 10:48 am also,even ticket have book one time only.
so,its my sincere request to you that pls refund the wrong deduction made at 10:35 am.
im also sending you the booking history of my account of IRCTC,as an proof that ticket had done one time only.
hope for a positive response from your side.
thanks and warm regards,
atul singh.


E-Ticket I-Ticket


Select Transaction ID PNR Number From To Date Of Journey Reservation Status Date of Booking

1 [protected] [protected] LKO DLI[protected] Delivered[protected]
2 [protected] [protected] AGC LJN[protected] Can/Mod[protected]
3 [protected] [protected] JP AF[protected] Delivered[protected]
4 [protected] [protected] BSB LKO[protected] Delivered[protected]
5 [protected] [protected] BSB LKO[protected] Can/Mod[protected]
6 [protected] [protected] NDLS LKO[protected] Delivered[protected]

Hello,

I was having HDFC Credit card, but HDFC people block that card and were calling me for the amount which I didn't owe to them.. They called me and abuse like any thing.They do disclose Info with third party which was not authorised at all.. Right now they are claiming for amount which I never owe. My Customer Id is 20822593 & my credit card numbers are [protected]....

Hi

I have opened new account with HDFC bank last month.
Due to some reason i lost my debit card and hence went to branch for money withdrawal. But then i came to know from the officials that money can be withdrawn only through cheques and there is no withdrawal slip available.
The each cheauque leaf cost you around 5Rs

This is complete loot of the customers....

This is Complaint for the rude and worst service provided by HDFC Bank, Sagar, MP Branch. I am Ashish Kumar Rai, I am HDFC bank salary account holder, My brother Amit Rai went to deposite some amount to my account to his nearest HDFC bank Sagar, MP. But the Branch Manager Saurabh Mittal, told he can not deposite the amount in my account, as I am salary account holder. But there is no such rule by RBI that cash amount will not deposited to salary account holder's account. I would like to know is this HDFC banks own rule? Also HDFC is balming service from anywhere in India, is HDFC bank provideing such kind of service to its account holder? Why the email required from the account holder's branch to deposite the amount? very worst service experience from HDFC bank

Transaction for Prepaid mobile recharge done on 4th april,2011 was failed for which amount of rs. 50 had been deducted from my account.
Account Name: Aparajita Paul
Mobile no.: [protected]
E-mail id: [protected]@gmail.com

To HDFC Bank Credit card manager,
Pune Zone.

I have got a call from HDFC bank for Credit card about a month ago, they told me about the offers and benefits then asked about my salary details. After confirming my eligibility for Credit card there representative visited my place filling in form and took all my required documents. Couple of days later i got SMS with my ref number. then got 2 3 verification calls one my...

Hi

I dont know why my credit card has been rejected because one of your staff came to my temporary address and verified with it and i got the declaration form also i was signed and sent to you , i didnt get any reply from you regarding this rejection and i got 10 times verification calls also from ur bank and i didnt see this type of worst service from u and i have applied for this card before 2.5months earlier pls let me know what is the time period it will take to get my card, otherwise i am willing to stop the service from your bank and when i called to customer care they told me u can apply only after 6months,you should inform what the docs are required but i didnt get any call from the sevice is very bad from u,which i didnt expect from ur bank
This is with reference to your e-mail regarding your HDFC Bank Credit Card application : [protected]S3 and my no is- [protected]


hope the rep asap


thank u

Hello Sir ,
i am working with HBL from last 2 years under AVINASH NAIK ,ASM he is the person doing partiality,he will always support SMITH ACHAR -S18793, SHWETHA ACHAR - S19103 thye both are blood relative sisters working under Avinash as per the HBL policy blood relative sister cannot work in the same company and same TEAM ,but in HBL ( ADUGODI ) it s happing from last 4 years and theyar steeling the leads from HDFC customer care they have lot of ferinds there ,bcoz of this activite they earnig evry month 40000k salary and becoz of them we are not getting business every day Avinash scold us he will use [censored] this kaind of words,Smitha and Shetha every day they will come @ office 10.30 and leave @5.30
and SMITH and SHWETHA Harrasing us please SAVE us i am not mantioning my Name here if he no then he will stop my salary PLEAS help me other ways pls chsnge SHWETHA to auto loan our out bond last 3yars she is giving more then 1 core business u just emage how she have contact with customer care
in BANGALORE we dont have HBL office ther we can come and complaint ,please do need fully
please save from this SISTER, pleas please please,pleas,i will hop you can help US thank you in one house this sisters are erning near1 lakh RUPEE with AVINASH NAIK HELP,,,
PLEASE,,,,
PLEASE,,,,
PLEASE,,,,
PLEASE,,,,
PLEASE,,,,
THANKING YOU,,,,,,,,,,,,,,,HBL GLOBAL ,ADUGUDI SRINDHI KALYANA MANTAPPA ,BANGALORE 560030

ATM FRAUD:
,
DEAR SIR,

I have a saving bank account with HDFC BANK,Vikas Puri New delhi. I was availing ATM facility on this account.On 28thFeb.2011 at14:55:39 i received a message at my mob [protected]that an amount of inr 5000.00debited to my account towards NWD -[protected](ATM CARD ) This is to inform you that this amount i have not withdrawn ,I objected on the same day ,and requested to block my card ref no HL620491.At the time i was assured for necessary action will be initiated.But till today nothing has been done by the bank officials to trace out the person who has withdrawn the amount my hard earned money as bank always having camera coverage of every activity of ATM user. in this conext i would like to inform u to please after necessary enquiry ,checking the footage coverage,if my co-operation required in any manner in conducting enquiry i am ready to attend but this amount should be credited to my account immidiate because it is the fault of the bank.Otherwise there will be no option to knock the door of the court under law ....

YASH PAL BALI
R-153 VANI VIHAR,UTTAM NAGAR
NEW DELHI 110059
TEL [protected]

My name is SWATI ARUN ANDALKAR. My TWO WHEELER LOAN Account Number is 18280741. That I already paid the amount of Rs. 19521/-(NINTEEN THOUSAND FIVEHUNDRED TWENTYONE ONLY) through CHEQUE of THE VISHWESHWAR SAHAKARI BANK LTD. vid cheque no.119393 dated 12/02/2011 and Rs. 6871/- (SIX THOUSAND EIGHT HUNDRED SEVENTYONE ONLY) through CHEQUE of THE VISHWESHWAR SAHAKARI BANK LTD. vid cheque no.130520 dated 18/02/2011 as a down payment. That your loan amount is 30300/- was disbursed to SURAJ MOTORS, No. 5 & 6 pune corporation building,shastrinagar chowk,kalyaninagar corner,near khurana travels,nagar road,pune-06. dated 22/02/2011 Till today I have not received the possession of SUZUKU ACCESS 125cc. Already I made oral telephonic compaint vid No.[protected]. Let me know how much time is required for possession of SUZUKU ACCESS 125cc after loan DISBURSMENT