HDFC Bank Complaints & Reviews

Akhilanand Singh- Preferred Customer of HDFC Bank

While surfing the NET I came across several complaints about HDFC Bank's relationship managers, their casualness & poor knowledge and the ISA account. Recently I too had very bad experience with their RM (Relationship Manager) service.

The bank suggests to contact RMs for banking services like opening ISA account, Investment advices etc. The reality is that the RMs at the HDFC Bank are only interested in promoting products & schemes and they care little about customers.

I am a preferred(!!!) Customer of HDFC Bank, Pune. On 21st Oct, 2010 I applied for ISA account through their RM (Relationship Manager). The RM told that I will get my ISA account in about 15 days time. When I did not get my ISA for 20 days, I inquired. After several inquiries, I was told that it was mandatory to apply for KYC (Know Your Customer) along with the ISA form. I did that. KYC process took its own sweet time of 20days. During that period I was told by the RM that no other formalities are required and once KYC is done, I will get my ISA within couple of days.

I finally got my KYC verified on Dec 1st. 10 more days passed, today is Dec 11th, 2010 and I am still waiting for my ISA account after more than 50 days from the date of application.

Again on repeated inquiries I was told by the RM that he missed to obtain my signature on auto debit form. I got pissed off and escalated the matter with bank's Grievance Forum. It did not help the matter.

Akhilanand Singh

REF-EA[protected]
date[protected]

A/c no [protected], vasant vihar d-block new delhi
sir,
I have a joint account with my husband Mr Inderjit Guglani
we had given a request on 06-11-10 regarding change of address with residence proof (ref no given above), again visited the branch on 08-12-10 and the branch manager was apprised of the situation. Except oral assurances nothing has happened. will the concerned authority help me in this regard?

a similar situation come earlier on[protected]when a written complaint was launched with manager) that time also manager felt sorry and the matter was settled latter.

once again it is expected that the matter should be taken care as soon as possible.


Shubh Guglani
[protected]
[protected]

Hello

Dear Sir


This is to keep you informed the i worked as [RCM[protected]] for HDFC Life Insurance in 2008 July and i made to join around 30 people as policy maker. I would really appreciate HDFC for giving such a opportunity to earn money, but since then the manager was changed and i dint get any feed back to continue my service

And also i have big concern about the cash card that i was holding, i had around 5,000.00 Rs pending in the cash card and the card was expired. when i went back to hdfc life insurance[Rajajinagar], they took my original card and a letter from me and informed that i will receive the new card, but still i did not receive any new card. i request you to provide me a new cash card or the way to get my money back. Below are the details of mine:

RCM Code[protected]

Card No- 4214 9099 9072 6198

Card Bank Name: IDBI Bank

Name: Sudhakar

Mobile No: [protected]


Waiting for your valuable reply and good feedback to me to continue my part time service with HDFC LIfe Insurance



Thanks
Sudhakar

Sub: Misuse of HDFC DEBIT CARD – [protected]

Dear Sir,

I, Chiragchandra Yashvantlal Shah, am holding bank account ( NO:[protected] with HDFC Bank Ltd and was carrying Debit card no : [protected].

I lost my card some time back.

When I checked my account balance on Sunday through email received from HDFC Bank, I came to know that some unknown person has misused my debit card and swiped out INR 28624 towards shopping from big bazaar, spencers etc. I tried to log in in netbanking website in order to find out detailed statements but I could not as the same was disabled. (may be some body entered wrong password more than 5 times)

Further I called customer care and spoke with Moiz who informed me that all amount INR 28624 was swiped out on 09 & 10th October, 2010.

I informed HDFC that I have not used this card for these transactions and requested HDFC to investigate the incident thoroughly and help me get my money back.

Requested HDFC to check with big bazaar, spencers and find out whose signature was taken on the payment slip and furnish me detailed transcation details for that period.

regret to say that HDFC has not taken any step in this direction so far and not even furnished me the details of the disputed transactions.

I submitted Police complaint copy( duly received by police station), loss certificate issues by police station to HDFC at various levels.

I am attaching application along with police certificate, disputed transaction statement for your reference.

Hope you will address this issue on urgent basis.

Please find attached Application submitted to Police station and Certificates issued by Police.

i request you to help me out and advice me furhter.

Hope you will take this complaint serisouly and will take appropriate actions.

Regards,

Chirag Shah
MOBILE NO[protected]

Dear Sir,

One of my friend took a policy HDFC Standard Endowment Champion Suvidha on April 20th 2010 sum assured Rs. 500,000 and he paid 1st term payment Rs 100,000, now Dec 8th 2010 he is needed very urgently some amount and also he is facing some financial problem, he contacted HDFC Kanhangad Branch office and they said that he can't withdraw that amount now, he has to wait for 3 years. and we contacted customer care tollfree no and talked to one Mr. Hussain, after some conversation he said that its impossible to cancel the policy now, once we cancelled the policy they will take the surrender charge is 100% of my investment. I heard about new IRDA rules that is any policy holder can withdraw or cancel their policy at any time. So please do the needful sir.

My friend registered me for Training as an HDFCSL Agent taking all my details along with a copy of my PANCARD. After 4 months I was asked to attend training. I went at the Training centre named RNIS near Navsari Station. But there, but only 3 o[censored]s were there who were made to wait for nearly 3 hours saying that they cannot start until minimum of 12 students have gathered. By the end of 3 hours only 5 students has gathered. I left after 3 hours.
The next day the Branch Manager called me up in the morning saying that 10 candidates have already gathered and if you come immediately the training can start. I rushed there to find out only 3 persons there, when inquired I was informed that the rest are on their way and would be there in 15 - 20 minutes.
Again I waited for nearly 2 hours and left the premises saying I am not intersted and that my name be cancelled.
Thereafter I got trained thru other agency and even passed out online test, but my PANCARD details is still showing with HDFC URN number and for want of cancellation of same I am not getting my License.
My written request to the Branch Manager has not yeilded appropriate results and the matter is still pending as on date for nearly 3 months over.
I request to cancel URN number HDFII[protected] immediately

SIR IM FROM GHAZIABAD.I WS HAVING A CAR LOAN FROM HDFC BANK WHICH I HV ALREADY PAID TO THE BANK BT NW THE BANK IS NT CO-OPERATING WITH ME IN GIVING MY N.O.C(NON OBJECTIONAL CIRTIFICATE).im requiesting the bank from last 2 years.so kindly nw plsss suggest me wt step should i take 2 get my n.o.c.
thank you

Dear Sir,

I purchase a Unit Linked Youngstar Plus II Plan from HDFC SLIC by policy No. 10648057 from the ANAND Branch.
I took this policy from the HDFC SLIC Agent named TEJAL. But within few months she left the Company and joined another Company.
As I was having difficulities in paying premiums & Policy Services the Company sent Mr. BHARAT R VALAND to collect the premium and to provide other services.
On August 13, 2008, I gave Cheque No. 7359 for Rs. 25,250 to Mr. Bharat R Valand against my Policy Premium alongwith the revival charges for Rs. 250.
On August 14, 2008, the amount was deposited into the HDFC SLIC account. But the Company didnt credited this amount into my policy. For that I complaint to the Company on October 11, 2010 at Anand Branch by Complaint No. [protected].
I received a letter from the HDFC SLIC on November 29, 2010. In the reply the Company has not taken any responsibility for the miscredited of the amount for Rs. 25,250.
On June 20, 2009, the Company Agent Mr. Bharat R Valand personally collected the premium amount of Rs. 25,250 in Cash, from my Office. But this amount also was not credited to my policy.
Although, I already received Photocopy of both the receipts from Mr. Bharat R Valand.

Please register my Complaint against HDFC SLIC and take appropriate action against the Company.

I am herewith attaching a Copy of Bank Advise stating the amount of Rs. 25,250 debited from my account and credited to HDFC SLIC at Nadiad on August 14, 2008

Thank you very much & looking forward to your immediate action in the matter.

Siddik Saffakbhai Mansuri
PINJARKOT, NEAR SBI,
KHAMBHAT - 388 620
DIST. ANAND. STATE - GUJARAT.
Cell. : [protected]

Dear Sir,

Please look after my complaint. On 18 Nov 1500 rupees is deducted from my account without my knowledge.The bank statement shows the amount is taken through ATM. On that day ATM was in my pocket. So without ATM its not possible to take amount. I had complaint to Grievence. They had taken 12 working days and given me a report that ur amount has taken throught ICICI ATM Center.I dont know without ATM how transcation is possible if its possible there is no secured transaction. For what their giving ATM card.I asked for CCTV Footage . they told that they wont give the CCTV footage. So please kindly look after my issue. My account number is [protected] . If i dint get proper response i will publish this issue to media.

Dear Sir/ Madam
I, Jaya Grover (previously known as Jaya Khushboo before Marriage) have been thinking to complain about HDFC Bank for a long time but was waiting for a satisfactory resolution from them but I have not been given any importance or value for my complaint so now I am knocking your door for the justice. Let me explain what happened - I have a saving account with HDFC Bank as Jaya khushboo (previous name) which I am paying my car and personal loan through. Car loan Rs. 5720 EMI from HDFC Bank and personal loan Rs. 7051 EMI from ICICI Bank which were being paid very nicely and smoothly. I don't live in India any more as I study in England but I am sending money to my brother who lives in India and he is depositing the enough money in my bank account every month before the EMI date for both the loans. My car loan installments are not going through, despite the fact that I have sufficient money in my bank account. I was not aware of this until my relatives and colleagues of previous profession phoned and told me that they have been getting phone calls from HDFC Bank for me asking my contact details and telling them that they are trying to trace me as I am not paying back my bank loans. I hope you can understand how embarrassing it would be for some one like me who is paying all the debts honestly. to confirm that the money is being deposited into the right account or not my father went to the bank branch with all the deposit receipt and found nothing wrong in the account number and then I phoned up for 3 - 4 times to HDFC Bank customer service to find out what's wrong but unfortunately I did not get any resolution. I spoke to 2 - 3 different people, they all said the same thing that they can see the sufficient funds were there in the account but car loan EMI did not go through and was bounced back twice in a month and that happened for 2 consecutive months October 2010 and November 2010. it has cost me the penalty on the account and ruined my record. First I spoke to Raju on[protected] at 4:30pm IST, he asked me to speak to the car loan department to clarify this as he couldn't find the reason that why it got bounced then I phoned the HDFC car loan department and was told that because of insufficient balance, the payment couldn't go through when I told her that the balance was there for this payment, she asked me to speak to the bank as the payment was rejected for the non-sufficient funds (which is not possible) I again phoned HDFC Bank and spoke to Gurdeep, asked her the same. When she didn't find any satisfactory answer, I requested for a manager/supervisor to speak to me she asked me to be on hold, after a long wait on hold, she disconnected. I again phoned up as I was very frustrated and curious to find out the reason, spoke to Shivani and asked for the supervisor, I got a supervisor on the call named Vijay, explained him everything even he could not find any satisfactory answer to give me.Yo can not expect a bank like HDFC to do such things and have no answer to give to the customers. As I have been paying towards my debts and still being penalized, embarrassed and harassed with annoying phone calls to my relatives and friends also messages on my Facebook profile which they don't have any rights to contact me on. I request you to look into the matter and ask them to resolve this ASAP, also reimburse all the penalty and charges occurred on this particular issue....

My details are:-
Name: Jaya Khushboo
Bank account number: [protected]
Car loan account number: 13947132
car loan emi: Rs. 5720
My email: [protected]@yahoo.com
My telephone Number: 0044 [protected]

Regards
Jaya Grover

Dear Sirs,

Ref with the PF DD # 906194, Dated :[protected], Amount : 12,340/- has been processed to my HDFC Bank (Madurai-TamilNadu) SB Salary A/c No :[protected] and has been returned to your office due to the Status of My SB Salary " A/C has been Closed ".

So, I hereby glad to inform my New SB A/c Number in Indian Overseas Bank, Melur Branch, Madurai District, Tamil Nadu. Kindly provide a fresh DD in the favour of following Details:-

Name : S. Mohamed Ibrahim
Bank : Indian Overseas Bank
SB A/C No : [protected]

Regarding this I have sent 2 letters to your branch and also I have sent the photocopies of my Bank passbook, A/C closure letter from my Previous Bank (HDFC Bank Ltd, Madurai Branch) and my ID Proof on[protected].

I once again requesting your good office to issue a FRESH DD in the favour of the above information. Your immediate response in this matter regard should be appreciated. Thank you for your kind cooperation.

My Permenant Address :- My Contact Numbers
S. Mohamed Ibrahim [protected] & [protected]
10/42, Naduvalavu Street
Melur (Taluk)
Madurai (District)
Tamil Nadu (State)

Sir,

As on date 6/12/2010 i give request for making two demand draft in hdfc bank in defence colony 2nd branch new delhi110024. one demand draft for RS. 400 payble at mumbai and second one of RS. 300 but payble at was not filled.BUT they give me both draft payble at mumbai.

When i said that second draft of RS 300 was not payble at mumbai then they said give a request for cancel DD and they will take 50 RS charge...

hi, i have a HDFC bank ATM, on 20 Nov i tried to Withdrwawn money from Axis bank ATM but that ATM was not working after inserting my card so i refused the transection and Collect the card. but after Viewing the Transaction The amount 10000 is deduct, after this i have locked the Complement but Bank refused to revert my money by staying that Amont is withdrawn. Pls help me to get me the My money or give me some sugession.

I have a corporate salary account with HDFC BANK LTD . branch - Okhla Industrial Area Phase II.
Account Number :[protected]
I need to close this account so in the month of october i sent the account closure form to the Home branch through courier and i spoke to Mr. Shubhashish Ghosh and he told me you have to send the closure form again or you can submit the closure form at any branch in Delhi.
I went to HDFC Bank branch at netaji subhash place , they refused to take the form by saying that signatures are not verified , then i went to HDFC BANK at sector - 8 Rohini and they also refused to take my form , instead they are saying you have to pay Rs 1600 to close the account.
The executive who opened my account told me if you need to close this account you dont have to pay any charges.
Thank You
Arun Gupta
Contact No : [protected]

I have taken HDFC standard life unit linked young star plan starting from 26 dec 2005 and i have paid a annual premium of Rs,25000 for three years totalling
rs.75,000 the insurance consultant told me that its enough to pay only 3 years of premium for this and if i am interested i can continue, hence i paid only for 3 years, now i am shocked to know that no information is available regarding that plan and i am worried about my money i have invested i kindly request you to guide me for necessary action to be taken.
regards.
dr.harinath [protected]

Dated 05.12.2010
To
Bank Lokpal

Sir,
I am having an account no. [protected] in HDFC bank Roorkee jointly in the name of Mrs. Vibha Agarwal and Pushpendra Kumar Agarwal. I am a Govt. of India employee working in National Institute of Hydrology, Roorkee.

I was having sufficient balance in my account as per bank rules. I had regularly maintained the quarterly balance in my bank account which was more than 2500/= per month regularly.

Due to some personal reasons, I have not operated my account for few months. In the month of November, when I went to bank for some transaction, I was surprised to know that Rs. 831/= has been deducted by the bank two times i.e. in the month of July & October 2010. Thus a total deduction of Rs. 1660/= has been deducted from my account by the bank.

After contacting from the Manager, HDFC, I was informed that the bank has changed its policy from April 2010 & increased the limit of the minimum quarterly balance from 2500/= to 5000/= w.e.f. 1.4.2010.

I asked the manager of the bank that I was unknown from the change of the policy of the bank as there is no change in the ceiling of the other banks like, SBI, PNB, UTI etc. Further, I was not been informed by the bank neither by written information, nor by SMS on mobile, or by E.mail.

The manager has refunded RS.831/= as one time deduction in my account. However, a loss of RS. 831/- was given to me.


Sir, I have only the fault that I have not made transactions between the said period. However, to the best of my knowlege, I have maintained my account bank as per banks policy. If bank has changed any policy the same must be provided to me by the bank through letter or by mail.

Since bank has not informed about the change in the policy, why should I suffer for the huge amount without any fault. Being a Govt. servant amount of RS. 831/= is sufficient money for me.

It is requested to kindly look into the matter and do needful so that I could get refund of money deducted by the bank from my account.

With regards

Yours faithfully

Pushpendra Kumar Agarwal
National Institute of HYdrology
IIT Campus
Roorkee
Uttarakhand

Dear Sir,

I want to lodge a complaint against the teller and the incharge Madam Nidhi. They are just wasting time talking to each other ignoring the customers. The customers are made to wait for at least one hour to deposit cash. Their irresponsible behavior should be a concern for HDFC Bank as the reputation it has earned over the years is being put to stake because of a few careless people. They are rude to customers and make fun of them.

I hope some senior official reads the grievance and take necessary action so that the staff starts behaving in a professional manner.

Dear sir,

I have received a call from ([protected]) the man are saying that i have got us 1 million dollar prize and your prize money laying in custom office and i am calling from custome office, He demanding money 40000rs for take this prize and he has send her a/c no from mo in this no.([protected])that are the hdfc bank a/c no ([protected]) cust. name is COMES engineering works pan no . is cjtps2665b.
Request you to please check this a/c i think this a/c is a froude a/c and take action against on urgently basis.

Thanks
Lalit sharma
[protected]

Hi,

We had a fixed deposit with HDFC of which we lost the track and hence were unable to update the address details, We have moved from the address which was registered while opening FD. All of the sudden there were letters from HDFC which were fortunately forwarded by the new tenent that the FD money is moved to IEPF and we will not be able to claim it. It was a quite big amount above 1 lack and we can not really afford giving it to charity like this. Please help us by letting us know how can we claim the refund of this money from IEPF. We know the FD Number.

Regards and Appriciate your help.

SDD

Dt.03/12/2010
Dear Sir/Madam
Sub: Harassment by HDFC Bank Credit card team
My self Harjit Singh living in Jalandhar open Salary A/C with HDFC Bank , G.T. Road , Jalandhar on behalf of Birla Sunlife Insurance Co.Ltd., after some time Bank issue me Credit Card (Credit Card No. [protected]). I use this Card I pay the credit card payment on month by month but my amount increased month by month due to huge charges made by bank. Some time passed bank employee offer me for settelment. Ms. Ritika form mohali cal me every month for payment for this no[protected] and she offer me for settlement. I am also working with HDFC Bank on the post of Insurance officer.Ritika told me for settlement for Rs.23000/- on the behalf of outstanding amount Approx. 36000/-. I agree with her and she made four installment for Rs.23000/-( first installment Rs.1900/- cash on dt.12/03/2009 and rest giving three cheque Rs. 5750/- cheque no.103244 on dt.10/04/2009, Rs.5750 cheque no.103245 on dt.10/05/2009, Rs.9600/- cheque no.103246 on dt.10/06/2009 ) she issue me settllement letter and I pay 1900/- cash on dt.12/03/2009 but suddenly I change my job and I inform u Ritika I have change my job so I cannot pay the amount pls cancel my settlement because I donot want my cheque bounce but she say you are our good customer I understand your problem so u donot cancel the settlement and try to clear the cheque but I cannot arrange the payment or my cheque bounced by bank after then Ritika cal me to pay Rs.2000/- I arrange payment from third person and pay Rs. 2000/-on dt. 20/04/2009 and after that i join the new job but next cheque dt. come near I talk to ritika I recently join the job and my salary coming next month I am a family person I have many exps.so I cannot arrange the payment she telling me you pay Rs.2000/- I told the Ritika I cannot face the problem pls cancel the settlement she told me you are not any other customer you are our bank employee and after that gud customer, you faith me I cannot giving wrong commitement u pay Rs.2000/- and next cheque Rs.9600/- cannot bounce and rest amount u given on next month and I issue the NOC I hardly collect Rs.2000/- and Pay on dt.21/05/2009.I taken Kameti amount from my cousin on very loss and I cleared my cheque Rs.9600/-. In my saving a/c.no.is [protected] and I talk to Ritika pls collect the rest amount she tell me I sent my exective but no person come to collect the payment I want NOC so I cal the Ritika on this no[protected] after some days Ritika cal me I am very angry for this she tell me brother pl cool you donot take any tension ur settlement done i[censored] want I talk with our boss Mr.Nishan and he say me ur settlement is done u pay rest amount .Ritika told me ur balance amount is Rs.3568/- but I told Ritika ur are wrong but she says I check the A/c ur balance amount is Rs.3568/-. I pay the amount on dt.07/08/2009. After that she cal me on last date sir u r right I have mistake pl today is last date u pay the balance amount or next month u have receive NOC. I am out of city I told Ritika I am not in Jalandhar but she say sir urgent hai app kissi be tarha aaj payment kardo So I cal my friend Mr. Chirag Arora to transfer the payment form his A/c. and he transfer fund at night Rs.3932/-. After payment transfer she cal me and confirm me for payment receving and she tell me sir ur settelment is done .
Two month past I receive cal from HDFC Bank Ludhiana branch regarding due payment I told to madam I am settle my a/c and done all payment but she told me no any settlement letter issue by bank I am very upset and I say her pl check again I have settlement letter after that I have no receive any cal from bank.
One year past I go to England with my Wife. My 10 year old daughter live with my Mother in law in my house. Mr. Bunty employee of HDFC Bank G.T. Road Jalandhar branch come in my house in my absence and he told my mother for payment she say him I cannot know any thing but he harresment with my mother in law he say her I am call the police.My mother in law say to him he come back on dt.21/11/2009 then u talk with them but Mr.Bunty stay my home more than two hour and demand for payment then my mother in law cal my friend Mr.Summit and talk with them after some disscusion Mr.Bunty go back.My mother in law is BP patient and have a paralise attack from last four year. She very afraid. When I come back form England I see her health no good. I am taking her to doctor two time in the day. Dr. tell me if her health not in control I take some test she very afraid and she take very tension. If any big problem come what I answer give to my In laws family.
On Friday dt.26/11/2010 I call customer care no.[protected] in Mohali I talk to madam and give all detail for settlement,or asking for harresment, she tell me I formward your complaint and u receive back call in 48 hrs. but till date I have no receive any call.
After noon same day I go to Bank I meet with Mr. Bunty and I say why u giving harsement to my mother in law I take action with u and he meet me with him Boss I talk with them and produce my settlement letter Bunty boss told me Ms. Ritika making u fool man and you pay Rs. 60000/-.After meeting I come back home .
So Sir/Madam what is the rule after hard working we are earning hard money or bank making people fool. After one year Bank claim money what is the system of Bank making the customer fool.Please taking the action against bank or bank employee for harresment . I am free person I have no job I try for new job.I am not bear the family exp. I already done the settlement or I pay Rs.23000/- full settlement amount according bank employee. Please taking action against employee for giving wrong commitment and solve my problem .If you are taking my a/c. statement you are see I pay more than aginst using money.So I humbly request to take need ful action against bank or bank employee.
I am attach settlement letter or all payment receving.
Please reply on urgent basis.

With Regards
Harjit Singh