HDFC Bank Complaints & Reviews

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

Dear sir/Madam,

I have finished my car loan installment in Aug-2010.(My car laonA/C[protected] but still I have not received NOC from the HDFC car loan department. when I visted the gurgaon branch they told me your NOC has been blocked due to credit card payment. but I don't have any hdfc or any bank credit card since 2005. and I confirmed from hdfc credit card department also. bt still not reply from hdfc car loan department.br...

Hello HDFC Bank,

I have been leived the following changes for using the Netbanking Mutual fund account.

When is this started to bang us with every quater, this is not a trading account:

ISAQMC-ST-EC Jan-Mar[protected] Feb[protected].30

ISAQMC-ST-EC Oct-Dec[protected] Nov[protected].30

Tried reaching Customer care and it is of no help they only...

TATA AIG HAVE REFUNDED RS 7883/- ON MY HDFC CREDIT CARD ACCOUNT. AFTER BEING SEVERAL REQUESTS MADE TO THE TOLL FREE NUMBERS FOR SEVERAL TIMES MY MONEY HAVE NOT BEING DEPOSITED ON MY SAVING BANK ACCOUNT. EVERY TIME I CALLED ON TOLL FREE NUMBER I GOT THE REPLY THAT YOUR REQUEST IS FORWARED. I AM HAVING VERY WORST EXPERIENCE WITH HDFC BANK CREDI CARD. PLEASE CALL ME OM MY MOBILE NUMBER [protected].

After giving a complaint regarding the deduction of amount from my savings account without any intimation, again & again I am being harassed by the telecalling team of HDFC bank credit card Kolkata. Instead of providing any resolution to my previous complaint they are simply harassing. Without being providing any settlement letter or intimation for settlement how can any bank deduct amount from savings account??? Now when I am asking them to provide the settlement letter as no dues pending against my HDFC credit card no [protected], they are simply saying they cannot provide & they have not done any settlement. Then my question is against which card no have they deducted the amount from my Savings account???? God knows how many more people's happiness will be screwed while using HDFC credit cards?????

Rgds,
Shekhar.

I have shifted my residence from House No 8, Type-III, MDU Rohtak to Kothi No 3, Officers Residences, MDU Rohtak. I requested HDFC Bank to make the necessary changes in my address and issue credit card at the new address. My old Credit Card was due for renewal. HDFC bank has neither changed my address nor renewed my Credit Card. I have never defaulted in my life. There is clean history of my Credit Card.

Dr Narender Kumar
Kothi No 3, Officers Residences
MDU Campus, Rohtak Haryana
HDFC Bank A/C No.[protected]

As per the complaint raised by me I received a call from HDFC employee Venkat Rao and Srividya Balasubramanian(Branch Operations Manager,Annanagar) and they informed me that bank wont be reversing my money debited.

I am extremely disappointed with the way and the tone they spoke to me.

They were very rude stating that it they had sent a written communication on my home address which I haven’t received.

Also they said they have informed the company that within 3 months after employees leave they will make the account as a savings account and minimum balance is 10,000.My question so is it my fault that I haven’t been informed about this rule.

When I asked the Branch Operations Manager Srividya B that I should have received a call before deducting the money, she said that they have enough customers and cannot keep calling each one saying we are going to deduct the money which I found very surprising.

I haven’t received a single call from hdfc for the same in past 2 years.

My simple statement is I should have received prior intimation before deducting the amount from my account.

And since I had not received any prior information I wanted the money to be reversed back to my account.

I had a very good relation with HDFC from past many years but I think you have not left me any choice but close the account whereas I was going to make this a regular account again due to past good relation.

This is highly shame for hdfc for customer dissatisfaction. You are not even trying to retain customer and insulting the customer by the rude behavior.

I am going to spread my dissatisfaction and insult caused by the employee of HDFC

My every penny is hard-earned and I cannot see it being taken away from me for no fault of mine.

I humbly request you all to help me out.

Hello,

On 22 Jan 2011 at around 10:45 AM, I tried to use the HDFC ATM located at Bowenpally, Hyderabad.
The moment I inserted my card (HDFC), the power was lost.
This resulted in the ATM machine being shut down.

I was helpless, even though the power was restored within 5 minutes.
The Cash loading personnel had arrived in the meantime and were also helpless as the process does not allow them to return the card.

Today is the 5th working day (28-Jan-2011), and I am yet to get any call from the Bank, as I was promised.
I had to call them repeatedly to know the status of this issue.

More importantly, I would like to know how idiotic is it to run a ATM without proper power backup.
The security guard, placed there said that the power cuts were very common phenomenon.

HDFC officials should take their heads out of the desks on think how their ATMs are being deployed in the field.

Dear Sir,
With reference to above subject it has been observed that amount of Rs.827.25 has been deducted on 27-Dec-2010 on account of AQD charges. This Account has been opened as salary A/c . I have deposited 8000 in my account but last time when i checked the balance enquiry the balance was very low. When I get mini statement it has been observed that amount of Rs.827.25 has been deducted of Three times and one time it has been observed that amount of Rs.798.05 has been deducted In this meanwhile, Request to wave of AQD charges of Rs 827.25 and Credit the same in my said A/c

Rs.827.25
Rs.827.25
Rs.827.25
Rs.798.05

The Total is 3280

Thanking You,

Dear Sir,

I made a transaction for withdrawing Rs. 5000/- through my Canara Bank ATM card no. [protected] on 18/01/2011 at 11:00 a.m. from one of the ATMs of HDFC ( E1AWJ003 , Basni Jodhpur) but it didn’t give me money and debited Rs. 5000/- from my Canabra Bank A/c. No. [protected] with the A/c Name of Peeyush Vyas. So, kindly do needful to credit amount(Rs. 5000/-) in my account again.





Thank you very much.



Sincerely,



Peeyush Vyas



Mobile : [protected]

I was holding a credit card of HDFC bank number [protected], for which I had asked for settlement. They had given an amount of Rs.7700 in the month of November 2010, for which I told I will come back for settlement. In the mean time I had some family problem & had to take my family to Chennai on 26th Dec 2010. Unfortunately without any intimation they(HDFC bank), simply debited the full amount @Rs.15,454.00 from my HDFC savings account. When I called their Grievance Cell number at[protected] & spoke to Ms. Rashmi,she told she will come back to me, but in vain. Then I wrote a mail to them for which I got the response as below :

From: HDFC Bank Credit Cards Support
To: SBHATTACHARYA77
Date: Jan 25
Subj: 'HBL=[protected]'

Dear Mr. Bhattacharya,

This is with reference to your recent interaction with HDFC Bank regarding your credit card account.

We take this opportunity to clarify the circumstances which led to placement of lien on your bank account. As you are aware, in the absence of regular payments towards amount outstanding, your card account was invalidated. Owing to the same, the bank representatives had attempted to contact you to facilitate payment.

As we were not in receipt of any payments towards the amount outstanding, lien was placed by the bank and appropriate notice has been sent to your mailing address. Our cardmember agreement clearly mentions the fact that the Bank, at any given point of time and without notice, will have a right to place a lien and set off on all monies belonging to the cardmember standing to their credit in any account whatsoever with the bank or in the possession or custody of the bank. In the absence of any positive revert from you, the lien was invoked and an amount Rs.15,454.00 was claimed from your savings account.

For any further clarification on your card account, you may contact our Debt Management Officer at the below mentioned number.

Ph :[protected] /[protected]

Assuring you of our best service at all times,

Regards,

Jai Kumar
Deputy Manager - Correspondence
Customer Services

Just going through the above response if suppose I did a mistake by having a Savings account with HDFC & this they call as best services at all times.

When I asked them about my settlement letter, they simply told I had not done any settlement. Very Strange. Then where the amount gone that they deducted from my Savings account?????

Now I don't know how to get the settlement letter from the bank?? I suppose this is the best example set by a private bank for holding any Savings account or Credit card from them.

Regards,
Shekhar Bhattacharya.

Hello,
To
The Manager
HDFC Credit Card Bank Devision

Respected ,
I Have not received My HDFC platinum Chip plus credit card but till now i didn't received my credit card ATM pin no, where as so many time i make call to HDFC Phone banking but getting any proper response..

Card No -[protected]

Regads
Upendra Kumar
+91-[protected]

Hey guys, am getting repeated calls from this company associates asking me to get credit card based on my loan. I asked them not to call me but i will not get call for a week and again they wil start calling me. Every 5 mins they are calling me. And every time a different person used to talk.they are killing my time.let me know on the process of taking a legal action on them. Pls email me for any suggestions for taking action against them - [protected]@gmail.com. Thanks

I applied a two wheeler loan from M/S BRIGHT MOTORS LKO & a person who came for F I, PH NO.- [protected] was a muslim person whom i dont remember the name, he called me from this number & said very rudley that if you need a two wheeler loan then reached the home immidiate otherwise forget about the loan. I recd.the call at 5.10 PM, dt. 22.01.2011. I immidiate left my all important work and reached my residence with in 20 to 25 mins. & i called him but he did not recd. my call and he switched off his mobile phone. I HAVE GOT A GREAT EXP. FROM YOUR GREAT EXECUTIVE . Two months before i applied a loan & i recd. a finance a/c no. 17492640 but i c'd not purchased my vehicle due to some problem. So i applied it again & i submit my all same papers, same photographs, same documents.SO WHY YOUR EXECUTIVE MISBEHAVED LIKE THIS.

THIS IS MY HEARTLY REQUEST TO YOU & YOUR ORGANISATION DO THE NEEDFUL & PUNISH THE PERSON.


THANKS AND REGARDS
DEEPAK KUKREJA .
[protected]@gmail.com
724/25, AZAD MOHAL SADAR (CANTT)
LKO
[protected]
WORKING AT M/S SRM MOTORS PVT.LTD
DEALER FOR TATA MOTORS & FIAT CARS
VIKAS NAGAR RING ROAD LUCKNOW.

Getting daily promotion calls from HDFC credit card where as i have already resgistered my mobile in NDNC . I have complained to HDFC credit card call center multiple time as well my personal banker..

Recent call which i have received from[protected]/32069419..


Now i got a call from HDFC bank complain desk today & now he is saying you will call as you have not registered in do not disturb in HDFC & hence you will get promotion call .. His name is [protected]@[protected].

Request you to take this up very strongly & ensure that call is stopped immediately.

My policey number is 11026692 i submit the policey for wihdrawal in the date of 4/1/2011, The Relationship manager confirmed the your money will comes after 10 days. i submit all the paper requiared by him. the branch office is Shilpi plaza. till date 22/2/2011, i have not recievee any amount they say it will comes firstly in Satna on monday and you will recieve on wednesday.
what the hell they talking about.
I am very upset, now i will never associated with Hdfc and never give suggesion to my friends to do the same.

My friend has applied for Personal Loan from HDFC bank limited.

These are the problems faced by her

1. They have never told me complete set of documents in one time. It took me 5 visits to complete the document set and everytime the behaviour of HDFC was very rude. It seems that they are doing some charity to you.

2. Initially they promised to give loan @ 14% and later they charged 14.5%.
3. Initially they told Processing fee will be 1%, but they charged 2%.
4. They claim on site, it's very fast and hasslefree. But, it took me almost 3 weeks to get the sanction and that too when i followed them regurarly.

I will say you should never go for applying any type of Loan from HDFC bank. They will make your life really troblesome. I really had very horrible experience with these folks.