HDFC Bank Complaints & Reviews

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.

Dear Sir,
My name is Rizwan Sayyed, Credit card number [protected] We have HDFC Bank Salary account around 2009 we take HDFC Bank credit card and after that we setteld my card of Rs 21000/- by Mr..Rinku ([protected]) he had settel my card and give me some EMI facility for paid the said amount.
We agree the same and continue pay the EMI amount by cash but after some days back HDFC bank withput my concern hold my salry around 8000/- from my HDFC bank saving account.
When we inquired regarding the same then customer care confirm me your 8000/- rupee hold for caredit card payment we contact to many credit card officer in HDFC bank and finaly we reach andheri east office in the same office Mr Deepak([protected]) meet me and listen my hole story reagrding credit card and he assure me we stteld your card within a week he sttel my card also but he put me in CIVIL as a defaulter now we want to justice for the same when we pay all my settel amount 21000/- then what is the reason put me in civil.
Hence we request to you kindly take action and give me justice from HDFC Bank. we don't have any confirmation for settelment of card whenever i contact to Deepak he said we call you and confirm you later. but the fullish guy on day and five mini not come yet. please give me justice.

Dear Sir / Madam,
Good Morning.

I want to inform you that my father having a Two wheeler loan from HDFC bank - Gilinder House Kolkata.
The loan was taken on approx. Apr.2008 & in the month of May 2008 he was expired due to a heart attack. My mother was intimated the same to the respective bank by REGD. A/d letter but they were refused to take the same. In that letter my mother had expalined the situation of our family that days & request the bank to take the EMI amuont after some days. Due to the financial crisis my mom didnot able to arrange the EMI amount at proper time due to which they have charged extra amount continiously.
I have communicate the same to the representative of HDFC bank - Miss. Papri Ghosh but she responce very badly when I have asked her to sent me the o/s Loan amount statement.

I request you sir kindly look into the matter & arrange to let me know the proedure of closure the said loan amount without those extra charges.
Name of Loan a/c holder - Late. Subrata Banerjee
Nominee - Sanchita Banerjee

Thanking you !!!!!

Regards,
Satyabrata Banerjee
s/o Subrata Banerjee
Mob - [protected].

I have deposited a cheque at the drop box in ATM of Kalkaji branch of HDFC bank on 10/01/2011 but, my account is not credited yet.

My cheque and account details are :

Cheque no. : 392581

Value of cheque : 3,870

Account number : [protected]

Customer IC number : [protected]

I am an ex HDFC employee. I had left HDFC bank on march 2008. Before my exit i had handed over my RIM to my ASM, but even after that my salary account was debited continously for RIM usage charges. I contacted the ASm as well as HDFC Nagpur branch BM for the problem as due this the Account was getting in negative. Despite this month on month RIM charges wehre debited to my Account. On 5th Aug 2009 i received a letter stating to regularisw the Account or else the accolutn will be closed. I contacted the BM & gave him a letter stating my probelm & details of the excess charges debited to my Account . I have acknowledgement copy of the same. He & front desk officer Rajashree assured that the problem will be resolved & then u regularise the account . But nothing happened. Now when i requested for PF withdrawal in dec 2010, PF amount was credited to my staff acount which was already negative due to RIm charges & debit interst charges. Around 13000/- was lost by me due to rim charges , debit interst charges . I fail to understand was i RIM charges debited to my account when i was not using the RIM . Also to my surprise the Account has been now debited for NOn maintanance of AQB. I do have another Account with HDFC & now i fear whether i should continue or not. Request you to provvide solution for the same.

Hi,

I got a call from a DSL regarding HDFC credit card offer on 15th december they asked me that i have to pay cash 250 Rs of credit card annual fee. I paid the amount and also given the required documents.. Also signed on the original HDFC bank credit card form. But till date i have not received any card and now the DSL is also not picking the phone. Please help me.
DSL number and name : [protected], Priya

Regards:
Himanshu

I Ramesh Kumar has availed the HDFC personal loan account no 14432258 in January 2009 when i was working with Relaince Retail, eventhough i was eligible for for Special offer for Reliance employees(15%) i was charged higher rate of interest 19%, when i enquired with the branch on the same they said they will look in the same and never revised my rate of interest.

I had also written them the mail and visited the Indiranagar Branch to resolve the issue, again i did not get any good response and i am ending up paying higher ratte of interest 15123 RS instead of 13866 RS which iwas eligible for.

Now since i lost my job it has become extremely difficult to pay the emi and i approached the bank to reconsider my rate of interest again to preclose the loan which again they have rejected.

And more over the collection depatment from HDFC bank is harressing me and using non parlimentary language.
I have all the mail communication on the special offer for Reliance Employees, Kindly Help me to resolve this issue.

Dear Sir / Madam,

I am Muthukumar from Pondicherry. i was working in HBL GLOBAL PVT LTD - HDFC BANK ( Loan Against Securities Department ) - Sales Executive Employee code no:( M08302 ) from Sep 2006 to June 2008, Resignation my job on june 2008.i get my reliving order 30.06.2008. I will submitted to PF form and enclosed my SB A/c canceled Cheque for last Few month. but till i not get my PF amount. Kindly take action and releasing my pf amount as soon as possible.

Thanks & regards,
K. Muthukumar (Emp.Code: M08302)
MOB: [protected]
Pondicherry.

I am having problem with HDFC bank. My account started with Minimum balance of 1000. They imposed charges without informing when they changed the minimum balance from 1000 to 2500. And now this month they charged Rs. 827 saying that now Minimum Balance required is 10000 since Oct. For very few days my balance was below that since Oct to Dec. How they count this is not known. Further they should at least send a letter before changing their norms so that either customer close account or keep balance. It must be a policy to earn through doing this. Am sure millions of Rs of customers must have been appropriated through this since Oct.
-Ankush Deshpande

I have brought an HDFC ERGO Policy 5 months back.
While buying the same the same the executive have clearly given me the contact details.Later had called few times within a month for certain other clarifications.
Recently i was in need of some hospital emergency, Called the number given by the executive.
The phone was ringing but no one picking the phone. tried again, no response. i have tried many time later for several days.
Then i called HDFC Bank for details, they also have base less answers.but later, again i called the bank they told i should call the toll free number, which is only reachable by BSNL land line.


An insurance company of which has a national presence is expecting their customers to get BSNL connection.

May be they dont want people to contact them.

I suggest if you dont have a BSNL Connection please DONT BUY HDFC Ergo Policy.
You cannot fight with them
You have no rights
You have signed all the documents.

There is no one to take care of Investors

ITS WAIT OF TIME AND MONEY TO INVEST IN HDFC ERGO