HDFC Bank Complaints & Reviews

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.

Dear Madam/ Sir

Greetings. I had enrolled for a Centurion Bank Credit card, details given below:

Panjim-Goa Branch
Card Number: [protected]

I had rarely used the card, but paid back all my charges back then. One fine day when I got my monthly statement from the bank, they charge me an amount of around 44,000 thousand rupees, towards an online purchase of a product of a company names Questnet International. Now I had never made this purchase and spoke to bank officials in their Panjim, Goa branch who never took the matter seriously back then and kept referring me to their “Mumbai Office” cards division. This went on for some months before which I wrote them an official letter and sent it to them through post. During this time (I would not remember clearly), the centurion bank had apparently sold off their credit card division to ICICI bank. The ICICI guys kept calling up saying that I have not paid my dues on my ICICI card. It was so confusing really, as my card was never ICICI but Centurion. The card never changed but the service providers changed!

After this I received a couple of my statements without this amount. I subsequently changed jobs and moved to Doha, after which I started getting statements again showing this amount!. This was around 2 and half years ago. Over the last 3 months, my parents have been informing me that the officials from the bank have been calling them up regularly and harassing them each time and talk in a very very rude tone. They even claim that I would be blacklisted with the RBI officials etc. MY simple question is why was I even charged for an online transaction when the product was never purchased by me?? This is so unacceptable! Request you to kindly consider my case and get this resolved.

By the way my card is blocked for the last 3 years or so, i was not informed about it!

Caetano da Costa
+[protected]

I use a HDFC credit card for last three years. My past experience with HDFC was good. My credit card is going to expire on Jan 2011. The renewed card was sent & returned undelivered from my present billing address in Gurgaon as presently I am in USA on business trip. Once I call the customer care they asked me to send scanned signed letter to change my billing address & resend the card to my permanent location in Kolkata. Four times I have sent the signed scanned letter to them. The customer service every time confirms that they have received my letter & the needful will be done in 48 hrs. (Sometime under process, sometime signature verification etc) However every morning I receive a mail from the bank stating that it can not be possible as my billing address is not the same as permanent address. The customer service clarified that these mails are coming by mistake & I should ignore them. Even I can not change billing address on ph as bank has already issued a new card that I have not yet received. When I raise a complaint in HDFC bank site, they ask me to resend the letter again.

it is really disappointing that doing so many times international call to customer care, they does not show the proper responsibility to their service. They give inconsistence response to the customer & they are not fully aware of their process.

I have worked with the hdfc standard life insurance for the period of 4 months.Then i have resign from my post.Then i have filled the form for the withdrawl of provident fund, but till now date its the period of 4 month passed no response from the company has been made to me.Kindly look into the matter.
SIMERJEET SINGH
EMP. CODE-60767
MB-[protected]

Dear Sir/Madan,
My name is shanmugavadivel. I apply the car loan in HDFC BANK(Erode Branch). I applied the car loan for _________car (not mention the car name first i select). due to some reasons i reject that car.And I planned to buy a TATA Qudrajet Terra Car.

I already informed to the car loan/deputy manager (Mr.A.IRSHATH BASHA) about change of car on 24 Dec 2010.I request to him for transfer the car loan (Rs.2,60,000) to TATA Qudrajet Terra Car.And i gave Rs.1000 cheque for processing fee to the car loan transfer procedure.

But the process is not yet finished. I Paid the first EMI amount of Rs.5795 on 07.01.11 for car loan.so far (20.01.11)i am not get the car loan from the HDFC BANK.(ERODE BRANCH).

The Manager not take any steps to finish the work quickly.(now nearly 25 days are over).
I meet the manager daily and contact through phone.but the process is going on dead slow. (This is the worst service i never faced in my life time).so i request to all the people take care when you going for get loan in HDFC BANK.

Regards,
S.Shanmugavadivel,
Ph:[protected]

Hi I am mahendra Vyas workde with hdfc bank under subosdh joshi sir in bussines banking group from year april 2007 to august 2008 and my emp code is 51901 and i still didnt recieve my pf amt or full and final settlement so plz do corrective action regarding that plz send my pf amount check on my adress i.e. Mahendra vyas S/0 sh .basant raj vyas house no 84k85 jai narayn vyas colony new chandpole road near bheru nadi jodhpur 342001 raj

Dear Team,

I had a Personal Loan 5 months before from HDFC @18 p/a. Now i want to foreclosure this and asked for the formalities form HDFC Support. I have already paid 5 EMI Dues including intrest. Now they are aksing for 12 Months interest and 4% Closure charges.

I am ready to pay the Current Priciple + 4% closure charges. Why i need to bear the upcoming 6 months intrest.

Is there any RBI rules for this?

Kindly advice....i want to close this in Feb.2011

S. Murali - [protected]
HDFC Loan A/C No: 17000371.

Dear all,
I have a policy with HDFC Standard Life.
The Premium amount stands out to be 10,000/- INR. half yearly.
My problem is that, I have made a payment on the 6th of May 2010 and as confirmed by the customer care executives, they are able to see the payment received at their end on the 7th of May 2010, but I can not see a receipt on my online account, and neither do they have a receipt.
I had to submit proofs of my investment to my company today. But due to this issue, I was not able to show it.
I called up the customer care number (toll free[protected] number provided on their website).The customer care agent took my request and she said that I should be able to get the same from the branch.
When I said that ,going to a branch is not possible, I was given a number and told that to check if an email can be received of the scanned copy. Also I received the Chembur branch number [protected]/614 number...which I tried calling up (believe me when I saw, i tried 20-25 times). But amazingly everytime someone answered it..the call got dropped.
Then I again called customer care and spoke to the superviser Vivek..who was helpfull enough to tell me that he has contacted the Mumbai-Fort Branch and my receipt should reach me through email in 30min tops. But I didn't get any such mail. I then called up the Mumbai Fort branch..but even there the agents were simply hanging up...This is so distressing and annoying.
The customer "CARE" word, I feel, should be rephrased and recoined. It doesn't suit the industry I had to deal today.
Can anyone guide me as to what process I can follow..also, are there legal aides available?

Thanks
Pramit Pal
pramit.[protected]@gmail.com
[protected]
[protected][protected][protected][protected]

I availed the smart draft facility on the 12th of Jan 2011. I applied for it the week before and when the person from the bank told me the details i had asked him about the processing fee which he told me would be Rs. 1000/- and i had asked him to give me a discount on the processing fee. However this did not happen but what did happen was that i am charged a processing fee of Rs. 1500/- and i have been calling the bank since the last three days about the same and have received a reply saying i need to visit the home branch. Why should i visit the home branch?? I cant visit the home branch i do not have time for that. When you guys want someone to sign up for loans u come here readily and provide support on phone but you wont be able to cut back on a simple processing fee online???

The worst ever kind of replies from customer care executives. One Ms. Stella calls me at 9.00 AM in the morning...i mean who calls at that time? And Mr. Pandian informs me that someone from home branch will get in touch with me? This is infuriating! I am angry that you cannot handle a simple issue and just drag it on???

Hi,
I have home loan from HDFC since last 4 years on floating rate basis. When I was first looking for the home loan to purchase a home, I was given a major attraction from HDFC in terms of rate of interest being 9% at that time. I was in need and they processed everything very quickly. Since then they raised it to 10% within a few months, then to 10.5 and also 11 on a few ocassions. I talked to them and they said it is market driven. They kept it at 10.5 all the time which is still acceptiable somehow. Now in last couple of months, they increased it to 11.75% from 10.5% without even notifying me. I sent them an e-mail more than a month ago. I haven't got a response yet. Their phone service is irrelevant as you may never be able to get hold of a person on phone and even if you do, it disconnects within a few minutes.

Such a high rate of interest (when other banks are offering such lower rate) without any notification is unacceptable. I understand that it is floating but isn't there any regulatory body on them or they would just do what they want as a customer is helpless? Now this raise has led to increase in my tenure to another 1 year. To add to this, my principal amount deducted every year is negligible and they keep on deducting interest. I can understand that but at least I had some fixed tenure. If they keep on increasing the ROI as per their wish, I doubt if I would ever be able to clear my debts. Is this what their plan is?

Thanks,
Vikas Malhotra
er.[protected]@gmail.com

I had pass the agent Exam from LIC Under URN LICI[protected]. When we Update the Pan While issuing LICENCE. Message Comes"PAN IS ALREADY IN USE UNDER URN HDFI[protected].with hdfc life insurnace .


"i had only taking the online training form hdfc and not pass any exam. still they are not cancel my URN no. so that i can not work with any companie ."

Agent Has informed us that he had only filled sponsorship form in HDFC and failed to pass the Exam . You are Requested to Cancell URN HDFI[protected] So that we can issue LICENCE
i have requested to cancell my urn no of hdfc life insurnace dept. but at indore office ( sapna sangeeta brance offic) since last 3 months . but they are not taking any action .

[protected]
vivek

I, Rahul Bagga an account holder of HDFC Bank having an account number [protected] am continuously facing a problem from the past 4 months with the Bank. This account was opened as a saving A/c in 2004 with sec-9, Rohini Branch.

Currently I am working in Indiabulls Securities at Gurgaon who is having a tie up with HDFC Bank and the personnel’s of HDFC Bank frequently use to visit our office for solving the small issues. In the month of August 2010 I had a talk with Mr. Nitin Kapoor who is working in Udyog Vihar, Gurgaon Branch for converting my saving a/c to salary a/c at my office premises. He suggested that if the Bank receives a request from Indiabulls HR team then HDFC Bank can convert my saving a/c to salary a/c.

So our HR department made a request to HDFC Bank on my behalf for converting my saving a/c to salary a/c. On 27th Aug.2010 I got a revert on my office mail from HDFC Bank that my a/c successfully got converted into salary a/c. I have a proof of that on my office mail till now. But in order to get 100% assurance I specially call a phone banking executive for confirming whether my account got converted into salary a/c or not and the executive also said that my account status was a salary account.

Now as per the rules as my account is a salary account I need not require to maintain any AQB in the future. One day they deducted Rs.50 from my account as Phone Banking charges. When I called the Phone Banking executive for asking about that charges the executive told me that “you are not maintaining an AQB and you used Phone Banking during that period that is why the Bank charged such amount”. On listening to this I clearly told that my account is a salary account then there is no question arises of maintaining an AQB. Then they told me that “you will get a call from your Branch in two days.”

I waited for the next two days but I didn’t receive any call from my Branch then I again called the Phone Banking they again ensured me that “you will definitely get a call from your Branch in two days” and it goes on and on. After a long struggle I made a complaint against my Branch but no action was taken against the Branch.

Now what happened is when I called the phone banking for sorting out my earlier phone banking charges issues they again charged Rs.50 thrice for that calls made for sorting out earlier charges as well and again gave a same reason that you are not maintaining an AQB. Inspite of accepting their mistake and giving my money back they charged even for calls made for sorting out phone banking charges issue.
I atleast made 150-200 calls of around Rs.1500. Each and every time I got to know something different. After creating a lot of issues I got a call from my Branch and a person named Mr. Sumit Soni clearly states that “your account is a saving a/c and you will not get a refund”. On listening to this I talked on a high volume and he disconnected the phone. Atlast they compelled me to visit the Branch on 4th December 2010. There I met that person Mr. Sumit Soni. He again told me the same and told me that “who so ever had converted your account I will complaint against that person”. Instead of accepting the mistake Mr. Soni was blaming on the person who converted my saving a/c to salary a/c and also talked to me rudely and said “GET LOST” in front of the whole Branch.

I again called phone banking for refunding my charges and logged a complaint against Mr. Sumit Soni. After a week I got a call back from my Branch and again a lady named Ms. Shilpa told me that it is a saving a/c and refused to refund my money and suggested me to close that a/c and open a fresh salary a/c otherwise the Bank will deduct the charges again and again.
On 13th Dec 2010 I specially approached the person Mr. Nitin Kapoor in Udyog Vihar, Gurgaon HDFC Branch for clarifying the things. Unfortunately he was not available in the Branch at that time. So in order to have a proof of my presence in Branch I wrote a complaint in complaint book and I have a receipt of that. Before leaving from the Bank premises I specially asked another staff person to tell me whether my a/c is a salary account or saving a/c they said my account is a salary a/c.
It is very shameful that my Sec-9, Rohini Branch is saying that my account is saving a/c whereas phone banking executive and gurgaon branch says that my account is a salary a/c. I don’t know whether the bank didn’t train their staff properly or my branch intentionally creates a problem for me.
Now I have a proof against HDFC. Earlier I made a request to refund my charges for 4 months that the Bank wrongly debited but now as the Bank staff misbehaved with me and didn’t take my complaint seriously and suggested me to close my 6 yrs old account. I need a compensation of all the calls that I made after August month and the 2 leaves that I had specially taken to approach the Bank. The amount wrongly debited from my account as well for the words that Mr. Sumit Soni had used “GET LOST” in front of the whole Branch and insulted me.
I have been mentally tortured by the Bank from the past 6 months and they are unable to solve such a small issue. I don’t think the Bank is having any intention of paying the wrongly debited amount.

I notified this issue even to RBI ombudsman (Complaint redressal) 22 Dec. 2010 with an exceptation that the RBI will sort out this issue and penalize the Bank but I have not received any response yet. Such ignorance of HDFC and RBI is strengthening the Private Banks in India to impose their unethical rules as Bank services are the basic necessity today.

It is my humble request from you to please penalize the Bank heavily so that it can never be happen with any customer in the future and notify it to RBI to take a customer complaint seriously in future.