HDFC Bank Complaints & Reviews

I booked a 2 BHK flat in PRAKASH APARTMENT at ASANSOL (WB) in January 2010.HDFC approved my loan (Loan A/c No[protected] for the flat when I submitted agreement copy and building plan in March. PRAKASH apartment is an approved project of HDFC ltd.

But the builder M/s Aniraj Enterprise secretly revised the plan in April 2010 in collusion with HDFC Kolkata .Neither HDFC nor the builder informed me and kept secret all inspection reports of my flat F-01/c at PRAKASH APARTMENT and disburse laon amount Rs.6,71,750/- to the builder.

In November, when I personally visited my flat, I came to know that my flat was not built as per plan I had given to HDFC. Clearly, there is a collusion between the builder and HDFC.HDFC violated RBI Rule Clause 12 (A)i,ii,iii for Home Loan Financing. I complaint to National Housing Bank, but HDFC Indore has given an ambiguous answer (copy attached).
Can I approach Consumer Forum Against HDFC and Builder.Both are from different states,so different jurisdiction.Is HDFC violated MRTP act?
Indore consumer forum told me that compalint agaist can not come under MRTP act?

Please suggest

My background
HDFC Bank ex employee, 2 saving accounts , 1 credit card , and 2 loans running with HDFC bank

Feedback background
I was in need for statement of account of my Auto loan


Feedback
1. I was in need for my statement of account from hdfc bank for my auto loan , I called 61606161 and got the address of loan centre pune
2. There was no landmark told to me hence I found it difficult to search for loan centre
3. Why can not we send the statement of account on registered e mails id or can we have a customer portal for loan account customers ?
4. Good thing we are not charging the customers for statement of account , thanks for the same
5. I went to the address , and found that there is a door at ground fl which was closed , customer may assume the loan centre is closed
6. Although the same was working on 1st fl , it the customer is suppose to use the lift ?
7. Before walk in to a loan centre , I request for statement of account on phone banking and through e mail to bank
8. I stand in the que for customer service
9. Customer service lady asked me to call again to phone banking officer ? why ? why can not we accept the request directly from customer when he is in loan centre and in front of customer service desk
10. I did not call , she accepted the request after speaking to her about 9th point
11. Before above , I was not able to see the representative from the glass installed there with strips in between
12. Even when we issue the token , why we want our customer to stand in the office ? why can we have a chair for him to sit ( look at other banks e .g. kotak )
13. I also request for NOC also for another loan , lady asked me for charges ?
14. I am fine with charges but why 250 ? why so costly ?
15. Ok I agree for cost even , she asked me to go to bank branch and deposit the money
16. Why can not we accept the petty cash at loan centre , just rs, 250 OR debit customer account by taking the signature from him for SI / ECS OR ask him to use net banking and give the money
17. Incase we need the cashier , than why the loan centre is not available at bank branch
18. Ok fine, I went to HDFC bank at Shankar sheth road , pune
19. The gl fl cash counter was only for > 50 k cash receipts , what about me . rs, 250 ? no board , no communication
20. Finally security person told me to go on 1st fl , there was a long que
21. I came to know that there are 2 windows for cash receipt , but only when there is long que , the other window will work ( mercy of bank )
22. Hence I stand in the que ,
23. There was no name display on this desk , the other window started in between , security insult the customer who thought they can get chance for new window
24. Window lady name was displayed , lady was fast enough to service the customer and even kind
25. My window was as slow as possible , in the mean time I seen insurance banners on the right hand side
26. Do you expect customer to get the one new relation with you when he is already having problem in one que/ relation
27. Finally I deposit the cash , but that time I came to know all problems. Issues . audit s of the bank thanks to Deepak Joshi as he was discussing the same loud enough to irritate us
28. I again went back to loan centre and finally got the statement of account and NOC
29. I tried to write this on site, could not succeed as character limit , but received the call from customer service for communicating that he is sending my statement of account on my e mail , I laughed
30. I agree , I was in urgency hence I went to loan centre but thanks to that I am able to share the feedback which I consider as valuable

Please note, there are few nbfc s like Bajaj Finance where the loan statement is available under customer portal for free of cost anytime





Regards
Deepak Phadke

I have been mislead my Ms. Archita Biswas of HDFC Bank. She doesnot respond to customer queries and is abusive.

I had settled my credit card account in Feb 2010, and paid two cheques amounting to Rs. 14, 000. Only Rs. 2000 and some change was agreed upon by HDFC representative to be waived off, which they had charged as interest.

I chased the HDFC representative to give me a letter of closure, and submitted my credit card. The credit card was closed, but they kept adding interest to the Rs.2000 change.

Suddenly I got a letter from HDFC bank that they are going to deduct Rs, 18, 000 from my salary account, which was a new account. I contacted Ms Archita, and all she did was abused and didnt answer her calls.


And one fine day they deducted 19, 000 without giving any notice!!

What is going on???HDFC BANK IS ON A SPREE TO LOOT CUSTOMERS and as employees they have appointed uneducated, unethical people, who dont know their job.

I have the receipts of Rs.14,000 I had paid to settle the account in full.

Dear Sir/Madam

As I had received call from HDFC Credit Card Division JB Nagar Andheri Mumbai The person name Amit singh [protected] Call me on[protected] he explain & promise me that my credit card due will be converted in to 6 EMI if I will be take the HDFC EGRO General Insurance company Policy I had received the policy & my amount also deducted but my Rs.44,000.00 due was not converted in to EMI & also they had deducted the policy amount

Please look into this issue & take some corrective action so that this type of person should not cheat any other guys.

Thanks
Shrikrishna yadav
[protected]

Dear Sir,

I want to get into your knowledge that The Branch Manager and Customer Service Manager , at HDFC Bank Ltd, G-20-22, Times Square Multiplex,10, Central Spine, Vidhyadhar Nagar, Jaipur – 302023. is not supporting to get resolved my cheque clearance from last 2 months. Always when I reach at branch they tried to found the way to escape from their customer service resposiblities.

Case Details As below :-
I visited to the branch for Request to correction in name in Account. As I have recd PF office Cheque which is payable in the name of Gayatri Tiwari A/c No. [protected].

This is my Account which was opened on behalf of my Driving Licence approx 2 ½ years back. I can Understand the issue of payee name as Post My marriage my name is my working organization is changed from Gayatry Mishra to Gayatri Tiwari. As I issued Marrige certificate in which My Husband’s Surname along with My Name is clearly mentioned. But bank is denying to accept the changes to rectify the account, Post this applied for Pan Card but again branch denied do the changes, Third time when I reach at branch with Marrige Certificate and Pan Card copy B.M. refused to do the required corrections and asked to visit A/c Holding branch at Mansarovar which is near about 25 KM away. Personal requests, Multiple visits at both vidhyadhar nagar branch and Mansarovar Branch playing with me as table tennis ball.

I am requesting to the Nodal Officer Please reply for below :-

Why the bank is creating KYC Norms as a panic process for the customers ?

Why the Staff of the branch is not bother to attent the customers if he has not holding the account in his branch ?

Why Branch Staff even The Branch Manager is playing passing-Passing game with customer if he/she is not visiting to the account holding branch ?

Is Pan Card and Marriage certificate is not sufficient to do the necessary Last name correction in Salary Account ?

Please Look at the matter and take necessary action on priority basis.

Thanks and Regards,

Gayatri Tiwari.
Contact No. [protected].
Salary A/c No. [protected]

I have been using HDFC Securities for over 2 years right now, inspite of complaints they seem have turned deaf ear to the consumers. The site has most horrible and unprofessional looking screens I can't check what are charges done of my transactions in my portfolio.

Site is very complicated and unprofessional in looks, looks some college student was used to develop it. They don't seem to improve the look and feel of the internal site.

Please don't go by there homepage all that matters is the internal site and operations i.e. after login. Beware!!!!

They also don't support buying mutual funds directly from there site, they link it up with HDFC account and there quarterly charges made by HDFC bank to maintain it :)

check out the sample I just took from my account.

I had recently applied for personal loan and was rejected after week long process of documents collections, many verification phone calls at office, home, reference and physical verifications at office and home. The reason given by current day faceless banking phone executive is that my name appears in CIBIL. Any further questions goes unanswered and some times get imiganary replies. My point is if banks take CIBIL score/reports so seriously for processing loans, why not first ascertain this first before collecting documents and other procedures. This will surly save valuable time and efforts of every one involved.

Is it not the duty of the banks to explain why there application was rejected. RBI should make this mandatory to duly explain to consumers in case of such application rejections. The accuracy of CIBIL data is another monster all together which i will not mention here.

I HDFC BANK NARAINA BRANCH - I RECEIVED CALLS FROM ONE MR SHAILENDER SINGH FROM THE BRANCH. HE SPOKE TO ME IN A VERY ABUSIVE WAY USING FOUL LANGUAGE AND ALSO THREATENED TO HARM ME AND MY OTHER RELATIVES AND FRIENDS. I SPOKE TO THE DEPUTY MGR OF THE BRANCH MR KAPIL SACHEDEVA BUT I AM AFRAID I HAVE NOT RECEIVED ANY ASSURANCE FOR MY SAFETY.

I WOULD BE GRATEFUL IF THIS MATTER IS LOOKED INTO AND APPROPRIATE ACTION BEEN TAKEN AS THE THREATS WERE SERIOUS. HE EVEN WENT UP TO THE EXTENT OF CALLING SOME OTHER PEOPLE AND THREATENED THEM TOO.

Hi,

The HDFC ATM which I tried to retreive Rs. 4000 is located in WIPRO ELCOT, Sholinganallur Campus.

The money got debited from my Account < [protected] > but the money never came out the machine and the bill also was not generated.

When I complained to the HDFC Bank and registered a complaint, verifying the transaction code they are claiming it is not a HDFC ATM. I am totally frustrated with their response because it is prettly clear the Wipro campus is accomodated with HDFC ATM in sholinganallur.

This looks like HDFC Bank is Looting the public money in these tricky transactions with the use of system errors. Claiming the code is different.

I need justice and the my hard earned money from this Bank.

Kindly help me.

Regards,
Vinoj.

This is with regards to my complaint 4 days before on this forum, about me receiving calls from an Advocate from Delhi stating that an arrest warrant is being issued against me if i do not deposit the money in 2 or 3 hours. I received an email id and a Reference ID TTU[protected] from the customer assistance.

I tried sending mails several times on the given ID but every time the mail bounces and I am still receiving the calls from no. [protected]. There is still no revert from any Customer Assistance which is very upsetting.

Request you to intervene into the matter urgently and assure me that I am not being put in any sort of legal or illegal trouble as well as these calls are stopped.

Awaiting your early revert.

Nitesh

My Name Is Balakrishna I have applied for personal Loan in HDFC BANK indira nagar branch bangalore on Jan first week (App Number : 5996487) and i received a message on Jan 11 My application is Submited on Jan 11 and i received a message on Jan 13 2011 verification completed. after that no updates. then i contact the executive directly on Jan 15 (Iam not sure date) Then they said that they required Co-Application Siganture to get approval.Again they sent executive on Jan third or fourth week they gave Co-Applicant Application form I directly went to bank to submit the Doc and i submitted the co-applicant and My 8 cheque to them they said that My loan will get approve on saturday (5th Feb) but i didn't get update on saturday i called them again they said due to my office contact number they stopped the process. Again i gave my office contact number and time to contact. No updates.My marriage is fixed on Feb 14 See how they are playing with us. Dear all please dont apply for laon in HDFC. I suffiring like anything now l dont have option for my marriage they cheated my.

DSA : F08328
OLD Personal Loan App ref No : 18050445
New Personal Loan App ref No : 18192696

Dear concern,

Inspite of clearing all my credit card dues, HDFC bank people has declined my Personal loan application due to 90 days DPD. Please update the same CIBIL information which will facilitate to proceed further for my personal loan application. Please do the needful on priority

thanks & regards
Rakesh Kumar
Mobile-[protected]'


PAN.NO APSPS6665L

Hi All,
This is a complain of loss of debit card of HDFC BANK with account number [protected] and [protected]. I lost both the cards while travelling.
Please issue a new cards asap. Please dilever these cards on 38 A pashim puri new delhi 63 or punjabi bagh branch delhi.
I am not putting on the address mention in my accounts

Thanks and Regards
Rakesh Arora
[protected]@yahoo.com
[protected]

Dear Customer Care,


My name is Suraj Kumar Gupta and my HDFC card number is :- [protected]. I was not used my card approx 3 years due to my card was lost somewhere.and i was not in india.I recently came in india in December month. Recently I opened my new salary account in HDFC BANK ,VIVEK VIHAR BRANCH, DELHI. But HDFC CREDIT CARD department hold my account funds approx Rs.16000 without any confirmation.

For that i was visited to VIVEK VIHAR Branch, But according to Branch manager hdfc credit card department hold your funds.
I was called to hdfc customer care department for query on[protected], they suggest me to wait for collection department call.After 3 hours i received call from[protected],[protected] of Miss RUBY & directly said.........
"AB TO KHUSH HO NA AAP, JAB HAMNE AAPKE ACCOUNT SE PAISE ROK LIYE"...

I confirm my outstanding Bill from HDFC Credit cards department, its Rs.8841, But how can they Hold my Rs 16000 money without any my information.

I also received an call from[protected]. She said we don't pay your Rs.16000.
I called to[protected] miss Narita she said your hold funds automatically deduct from your account.And she give me one new no :-
[protected].
She said this no owner is a department head & she solved your problem, But i called on this no but she didn't pick my call, also she cut my call many times.

I just want to clear my this bills & final settlement on urgent basis.Please do the needful otherwise & will check this issues as a Legal Action.




Thanks & Regards
Suraj Kumar Gupta
SR.MANAGER - IT & BROADCAST
JANSANDESH 24x7 HINDI NEWS CHANNEL,
NOIDA-201301, INDIA
[protected],33
[protected]
[protected]
[protected]

Dear Sir,
I(Mohanbhai M Parmar) have taken Two wheeler loan from centurion bank
on 23/05/2002. My last full and final payment was made on 2005. now
centurion bank is merged with HDFC BANK. I have made many inquiry
related to NOC but there is no proper response from exexctives till
date I have not received the NOC for my loan account no 54506104
(23/05/2002).I try several times to customer care number of hdfc bank
but nothing happen they are just telling me that i have to go to the
branch & branch executives are not even picking the phone or
responding properly to me when i visiting personally. They are not
even telling me superior person name or contact no & not allowing me
to meet the bank officials. Please direct me what i have to do.?

HDFC BANK (Two wheeler loan)
7th Floor MIDWAY HEIGHTS,R S NO 49,VIBHAG 1TIKKA-24-1,LOKMANYA TILAK
ROAD,NEAR PANCHMUKHI BARODA GUJARAT 390001

please i m requesting to hdfc solve my issues soon.


Amit Parmar
+91 [protected]

Hi,

My Loan HDFC LOAN APPROVAL - File No:[protected] was approved way back in December'2010.
I had submitted all the documents for disbursal on 14th Jan'2011 . As per their Help Desk - they are supposed to release the cheque within 72 hours. Till date there has been no reimbursement . My realtors are after me to get the money . In case they do not get it , they might cancel the allotment as well.

Following are the facts
1. Everytime I call up I get a standard reply " We will release the cheque in another 2 days - We will keep you posted " - They lack visibility regarding the actual facts.
2. Now after so many days they come up with a new fact " Technical Evaluation of the Project " is awaited
3. They do not bother to reply back emails
4. Even their executives come up with false excuses.

Given the situation , I feel deeply frustrated . If the same is not attended to within a day or two I do not mind call ing pu their MD - He is equally answerable as others I feel

Regards

Indranil

I have applied for home loan with HDFC Limited( 51, HDFC HOUSE, KASTURBA ROAD, BANGALORE-560001PH:[protected] /41183232, FAX:[protected]
and have taken a preapproved loan for Rs 19,00,000(file no:[protected]/JT) dated 09-DEC-2010.

I have paid them Rs 11030/- as processing fee. I finalized a property in Hyderabad and entered into an agreement of sale on 22-JAN-2010 and have submitted all the required documents on 24-JAN-2010 and on 27-JAN-2010 I was told to furnish the original agreement of sale copy and I submitted the document on the28-JAN-2010 morning. I had an agreement with the seller to register the property within 30 days.

I was told on 28-JAN-2010 evening that they would be sanctioning loan amount based on the Govt value of the property and not on the market value in Hyderabad. Right from the day one when I made an application to them I told and conveyed in writing that I will be purchasing the property in Hyderabad. I requested them to sanction the loan amount based on market value and not on Govt value to which they said that their company’s policy is against sanctioning loan based on market value in Hyderabad but they can sanction the loan on market value basis if the said property is purchased in Bangalore.

All along right from the day one their executive(Name: Raghulan) was saying that they would be sanctioning the loan even if the property is in Hyderabad and at market value. Now when they are refusing to fund the property I feel very cheated because it is a huge commitment I made with the seller and I have no other way to go in this short time. I felt very depressed and felt like committing suicide but I gathered courage and decided against that.
Now since I am not sanctioned a loan from HDFC limited my earnest appeal to the highest bank and the regulatory authority(Reserve Bank of India) to take stringent action against the HDFC Limited and order to refund my processing fee of Rs 11030/-. I want to complain against such practices employed by banks and they are duping middle class citizens by collecting the huge processing fee early before sanctioning the loan. I am a middle class individual and Rs 11030 is huge amount to me.

Please do the needful in getting my money refunded and also penalize such funding agencies to set a deterrent to others.

Date – 3.2.2011



To,
The Head
Credit card division
HDFC Bank Ltd.

Dear sir,
Subject- Closure reminder of Credit card no. [protected]
Of ANIL TAWAR
This refer to my clsoed credit card .
In this regards , I have cleared all the dues with credit balance and no dues email from Customer care

I had already post my problem to respective deppt. Of Credit card division, but there is more outstanding to your card account more input on the same couple of months back spoke to HDFC Bank.
I would request you to please look in the matter even i dont know what to do.
Kindly issue me no dues certificate and delete my name from CIBIL still is it reflecting as per my current Banker.

Thanks nd regards.

ANIL TAWAR
Email – [protected]@gmail.com
Address- 415 B, Suryadev Nagar Annapurna road Indore (MP)452009
M[protected]

MY NAME IS WASEEM QUERESHI, AND I HOLDING AN ACCOUNT IN HDFC BANK JUBILEE HILLS HYDERABAD,& I HAVE APPLIED FOR USED CAR LOAN ON[protected] FOR A TOYOTA COROLLA CAR SO ON[protected] THE EXECUTIVE CAME TO MY HOME AND TOLD ME THAT HE WOULD ARRANGE ME 100% FINANCE BECAUSE I AM A PB CUSTOMER(CLASSIC CUSTOMER).THE VALUE OF THE CAR WAS 5,35,000 (FIVE LAKHS THIRTY FIVE THOUSAND RUPEES) HE GAVE ME A COMMITMENT THAT HE WOULD SURELY ARRANGE ME A FINANCE OF 5,35,000 SO I GAVE ADVANCE TO THE SELLER OF THE TOYOTA COROLLA CAR (40,000) FORTY THOUSAND RUPEES, ON[protected] THE BANK EXECUTIVE RETURNED TO ME BACK AND TOLD ME THAT HE COULDN'T ARRANGE 100% FINANCE.
THE CARS VALUE IS 5,35,000 AND HE ARRANGED ONLY FOR 4,00,000. WHICH WAS NOT 100% FINANCE AND WHEN I TOLD HIM TO PROVIDE ME THE 4,00,000 HE TOLD ME THAT OUT OF 4 LAKHS HE COULD ONLY PROVIDE ME 3,40,000 SO I BEGGED THEM TO PROVIDE ME A LOAN BECAUSE THE ADVANCE OF 40,000 RUPEES WHICH I HAVE PAID TO THE SELLER HE IS NOT READY TO RETURN TO ME BACK,SO KINDLY HELP ME OUT, I AM IN NEED OF A SERIOUS HELP, BECAUSE I WILL LOOSE MY FORTY THOUSAND RUPEES, & I HAVE SENT A COMPLAINT TO THE HDFC HEAD OFFICE AND I RECIEVED A CALL FROM DELHI ON[protected] ASKING ME ABOUT THE CASE THEY TOLD ME THAT THEY WILL SURELY HELP ME OUT BUT THEY NEVER RETURNED BACK,THEN ON[protected] I GOT A CALL FROM HYDERABAD FINANCE MANAGER ABOUT THE ISSUE, AFTER LISTENING TO THE WHOLE STORY HE TOLD ME OK,THAT HE WILL ARRANGE 95% FINANCE BUT OF WASTE HE NEVER RETUNED BACK,HE NEVER CALLED ME BACK, NOW WHAT I WANT IS I WANT MY 40,000 RUPEES BACK,WHO WILL RETURN IT TO ME I ASKED THE HDFC BANK GUYS THEY DONT HAVE ANY ANSWER, I TOLD THEM THAT I AM GOING TO CLOSE MY ACCOUNT,BECAUSE OF THEIR FRAUD LIES AND MY LOSS OF MONEY.HDFC BANK WILL LOOSE ITS CUSTOMERS ONE DAY FOR SURE.GUARANTEE.

HI
MY SELF KETKI KULKARNI, AND CODE IS K05444 WORKING WITH HBL GLOBAL P LTD . NOW I LEAVE THE JOB AND JOIN ANOTHER COMPANY, THEY ASK FOR RELIVING LETTER AND WITHOUT THAT THEY CANT GIVE SALARY AND APPOINTMENT LETTER TO ME. AS PER HBL RULES THEY SEND FULL AND FINAL LETTER AFTER 45 DAYS NOW MY SALARY AND APPOINTMENT LETTER PENDING DUE TO THIS RULES PLZ HELP ME TO GET FULL AND FINAL LETTER AS EARLY AS POSSIBLE OR U CAN MAIL ME THIS LETTER ONLY PLEASE. MY ID IS [protected]@yahoo.com