HDFC Bank Complaints & Reviews

I took Rs. 4.5 Lacs as personal loan from HDFC Bank Limited. This loan was disbursed to me around 7 months back. I want to foreclose this loan by paying the whole outstanding amount. Bank told me today that I have to pay 4% penalty on the outstanding amount in order to foreclose the loan.

I think it is illegal for the bank to charge the penalty charges. Please help.

Sir,


I have a hdfc personal loan with ac# 13079751 and EMI is 4398 per month. But I failed to pay 3 months EMI from oct-2009 since I lost my job in the recession. I got the job back in june-2010 and since then I am making the payments regularly. But I could not pay the pending 3 EMI amounts. I informed the same to the bank executives who calls me for payment. On November 13,2010 also I made the EMI payment(receipt number[protected]. But on November 12,2010 HDFC personal loan dept is holded funds of Rs. 5,046 in my HDFC corporate savings account with out any intimation. I have not given any savings account number to deduct the EMI from. Though I am paying the HDFC personal loan every month regularly bank has hold the funds which is not acceptable. Kindly please look in to this issue

My details are as follows

Name of account holder: Sudhakar Mallampati
City: Bangalore
Savings Account No: [protected]
Personal loan account no: 13079751.

I have just retired from the service of PWD dept.Govt.Maharastra.During the year 2001,Hdfc bank lured the MSRDC officials to open salary a/c of their employees.On compulsion,I had to sign the a/c opeing forms as the disbursement of salaryin the office was stoped and direct credit to the bank a/c was introduced.Hence,my SB a/c no.[protected],cust id-1573720 was opened on 26/02/2001. My salary went on accumulating in the bank as there were not much withdrawals to meet the household expence which was taken care by my husband from his earnings. The evil eyes of the bank officials fell on the credit balance of Rs.536097.76 on 13/01/2006.They continuosly visitted my house and convinced me and my husband to open demat & trading a/c with them and they would manage our port folio etc. occationally we used to receive tele calls informing the gains in the a/c due to share trading.we were very happy.On19/05/06 the bank officials came home and requested to deposit Rs.100000/- in the a/c to aviod a posible loss and we did it. Now on retiring,I find my bank balance is less than a lac and all the enquires started.It is learned that there was a share trading terminal inside the bank and on shifting it out from the bank as per the RBI directions,the PMS official fail to clear the F&O positions which I have never heard,and all my A/c balance of Rs.7 to 8 lacs were washed off!!! All these I came to know only when I managed to ge an a/c statment from the bank.Earlier there were no access to the details as there is no passbook or statement in their system.Hence Kindly look into the matter and make good my losses of Rs.8 lacs by ordering the HDFC BANK to refund the amt. they have fradulently snached way from my a/c.and they earned as brokerae.

Reminder-III
The Chairman & Managing Director
H. D. F. C. Bank Limited
Kunjpura Road,
Karnal-132 001

Sub.: Complaint towards Change in R.O.I. under the Home Loan A/C No.78-LA[protected] Dated 01-10-05 in the name of Bimla Devi Singla & Vijay Kumar Singla

Kind Attn.: Mr. Deepak Parekh, Chairman & Mr.Aditya Puri, Managing Director

Reference to the above, we again wish to inform you that the Bank of Punjab Limited have been sanctioned a Home Loan for a sum of Rs.9,35,000.00 (Rs. Nine Lacs Thirty Five Thousands Only) towards purchase of Home & Renovation on 7.75% P.A. R.O.I. (Variable). Now, we got surprise, when we come across the “Certificate for Interest for claiming under Section 80C & 24(b) of Income Tax Act, 1961” issued by you (Copy of Sanction Letter Enclosed), that you are charging 13% P.A. R.O.I. (Variable). However, you are still offering the Home Loan @8.25% P.A. R.O.I. (Variable) to new Client. By using this type of practice, you are clearly breaching the guidelines of R.B.I. and please explain and clarify us that how you can offer the less rate of interest to the New Client, whether your P.L.R. is less than 13%. If you can offer less rate of interest to New Clients, then why not us? You are playing unfair practice with us to charge the High Rate of Interest without any intimation and you must be reversed the difference of Higher Interest and credited the same to our principal account without any further delay, failing which i shall initiate action. As on date our account is regular and we are paying the installment regularly and honestly. It's a two way loot of the existing HDFC Home Loan customers i.e. either they keep on paying the high interest rates or pay illegal ransom in form of Prepayment penalty for shifting to better. You are taking us for a ride as you are treating old bop customers as step children i think all the old bop customers file a PIL against you, or do something so that this coercion should be stopped and we Pray God Almighty to put some brakes on your free run to Cheating customers charging High ROI. My Sincere Advise to ALL homes Loan Seekers Please read the Fine print and Think twice approaching this Private Sector Bank. Because, we think this way our Loan will never end till we die.
Further, you are requested to look in to the matter; otherwise, we have to file a complaint with Banking Ombudsman and Consumer Court for the same. Hope you will take up the matter on the priority basis and expedite the same.
If you require any assistance, we shall be pleased to serve you as we are just a phone call away.
Thanking you,
Yours truly,



Bimla Devi Singla & Vijay Kumar Singla
R/o House No.614-15, M.C. No.2152,
Bhagat Mandi, Market Committee Road,
Karnal-132 001 (Haryana)
R.Phone:[protected] & M.No.[protected]

Encl.: As Above

C/C : The Regional Manager
H.D.F.C. Bank Limited
HDFC Bank House, Senapati Bapat Marg,
Lower Parel (West), Mumbai-400 013
Phone No.[protected]

I AM HAVING SAVING ACCOUNT [protected] AND CREDIT CARD NO [protected] OF HDFC BANK. DUE TO CREDIT CARD PAYMENT HDFC BANK TOUCH MY SAVING ACCOUNT AND DIRECT DEBIT FROM MY SAVING ACCOUNT. CREDIT CARD PAYMENT IS DISPUTED DUE TO EXCESS BILLING AND INTEREST CHARGES AND LATE FEE CHARGES OF NON RECEIVED BILL. WHICH COMPLAINT ALREADY SUBMIT BY EMAIL. I HAVE PURCHASESED PETROL RS 100 FROM NOIDA BUT HDFC BANK CREDIT CARD DEPARTMENT BILLED 3TIMES RS .100 AGAIN RS 100 AND AGAIN RS 100. .......
YOU ARE REQUESTED TO TAKE ACTION AGAINST HDFCBANK

From the last few days I have been trying to pay my telephone bills online using hdfc's netbanking. I have an airtel mobile so I have to go through the airtel customer portal from where I am rerouted to the net banking home page. I am able to log in correctly. I confirm the amount to be paid. And when I hit submit it says that the transaction has failed. I do not get any message saying why it has failed. There was never any problem with bill payments to airtel earlier.

To,

Insurance Ombudsman,
Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Bldg.,
Asaf Ali Road,
NEW DELHI-110 002.
Tel.:[protected]
Fax:[protected]
Email [protected]@rediffmail.com


CC: HDFC Standard Life Insurance Company Limited
301, 3rd Floor, Plot no.15, Manglam Place, Sector-3
Rohini, New Delhi-110085
E mail [protected]@hdfcinsurance.com
Phone[protected]

Dear Sir,

Sub- 1. Policy doc.no.11030280 in the name of Rakesh Kumar Gupta- Fraudulently debiting the account

2. Return of policy no.13997333 issued fraudulently in the name of Shashi Prabha Gupta for immediate cancellation-Policy surrendered on 09.11.2010 with acknowledgement

3. Information of cancellation of policy no.13998731 issued fraudulently in the name of Shashi Prabha Gupta for immediate cancellation-Policy not yet received but letter dated 09.11.2010 handed over with acknowledgement as original policy yet to be received by us.


I am Rakesh Kumar Gupta working as Vice President for Reliance Industries Limited doing this correspondence.

I would like to inform you that two of the HDFC standard life insurance employees approached me to take my signature for investment of Rs.2.0 lacs in faster growing HDFC funds sometime mid September-2010 which I agreed to them.

Now, I am distressed to bring the above matter to your books that on 27.10.2010 from my policy no.11030280 in the name of Rakesh Kumar Gupta (Rs 52741.58 from balance managed fund, Rs. 57216.81 from growth fund, Rs. 90041.61 from equity managed fund) has been fraudulently debited in my unit statement as seen in the unit statement account on your web site.

Incidentally, I also received a HDFC policy bearing number 13997333 in the name of my wife Shashi Prabha Gupta for which neither I nor my wife have ever applied. On examining the policy, it was revealed that the proposal form annexed with the policy is fraudulently filled in forging signature of my wife, the ID proof of driving license, signature is forged , photograph is of some one else. My wife does not even hold any driving license showing some transaction though I am not aware of it but presumes is linked to this policy. We visited HDFC standard life insurance, Mangalam place, Rohini office, informed the matter to them, and surrendered the policy with letter after obtaining acknowledgement.

For fraudulent operation and issue of policy no.13997333, I have already registered complaint through e mail and in response have received auto response confirming registration of complaint with interactive id no.[protected] on 07.11.2010. I also called up your toll free number and spoke to Mr. Yogesh at 10:50 am on 07.11.2010 who confirmed that another policy bearing no.13998731 has also been issued and to me this also seems to be a fraud. On checking up the same in HDFC standard life insurance, Mangalam place, Rohini office, it was confirmed. Immediately, we handed over another letter dated 09.11.2010 after receiving acknowledgement for cancellation and refund of amount.

For fraudulent operation and issue of policy no.13997333, I have already registered complaint through e mail and in response have received auto response confirming registration of complaint with interactive id no.[protected] on 07.11.2010 but no response till date. According to me at various levels, employees are involved in this fraudulent operation.

The purpose of writing this mail to you is to expose these nefarious activities of this organization not befitting them and to safeguard my interest. I would like to take you following steps-

• Whatever/entire amount is debited from my policy no. 11030280 in the name of Rakesh Kumar Gupta must be credited to the same policy account without even a loss of single paisa/any other loss to me whatsoever as the whole transaction is a fraud and I am not responsible for it.

• Suitable monetary compensation to me for causing harassment, waste of my time and money in doing this correspondence.

• Letter of apology mentioning that how such an action can happen with a reputed company like you.

I would like the immediate investigation of the matter, crediting my policy account no.11030280. The above action must be expedited with confirmation to me else I will be forced to lodge a police complaint against their/employees clandestine involvement in this fraudulent operation. This way of issuing the policies does not gel with either your ethics policy or of long term value but amounts to cheating with public.

Please treat this as whistle blowing notice requesting you to arrange for cancellation of policy, crediting my account of policy no. on urgent basis & suitable award for mental agony & incidental expenses incurred.

Thanking you.


(R K Gupta)
Mobile-[protected]
B-7/15, First floor, Mian wali nagar
Paschim Vihar, New Delhi-110087




(Shashi Prabha Gupta)
Mobile-[protected]
B-7/15, First floor, Mian wali nagar
Paschim Vihar, New Delhi-110087

I have taken car loan for Rs. 325, 000from HDFC Bank. As per the loan agreement HDFC Bank was suppose to deduct the pre EMI of Rs. 10573/- and Processing Fess of Rs. 1960/- but they have deducted additional Rs 2000/-.

I have already loged few complaints (nos are give below) but have not received any reply from theire side.

Complaint nos.
[protected]
[protected]
[protected]
[protected]

I want my Rs 2000/- back from the corrupt bank.

Thanks and Regards,
Pankaj Bansal
[protected]

dear sir i have opened saving account with hdfc bank ltd gandhi road ahmedabad 380001 in the name of shah kaushik b abubhai branch A/c no [protected] with terms to keep minimum balence rs 2500/ i was maintaining minimum balence though bank has deducted approx 1500 rs as the minimum balence was not maintained i clsed a/c bank refunded me only rs 1055 instead of it should be approx rs 2600 i served notice to bank on[protected] but no reply you are requested to draw banks attention thanking you kaushik babubhai shah a/4 namohari flat dasha porwad society near paladi bus stop paladi ahmedabad 380007 contact no[protected]
hdfc bank gandhi road ahmedabad 380001 a/c no [protected] customer id 27731767

I’m really in pain; Please help me.

Let me give complete details:

Some of the unknown HDFC Credit card no : [protected] got linked to my HDFC Savings bank a/c : [protected] and auto debited some amount. This issue is going on for last 1 year.

When I fought with HDFC bank they removed the credit card link and re credited my amount back.

After some time I have applied for Personal loan for the purpose of my marriage, all banks rejected my loan proposal because of the out Standing balance in the credit card (based on the CIBIL’s rating)

I’m really don’t hold any HDFC credit card and they have distributed it to someone else on my name and attached to my PAN Card, but date of birth and address differs from mine.

I have contacted so many times to HDFC Credit Card Division and also to Reserve Bank Ombudsman to get it resolved. But no is responding properly.

Without this resolved I can’t go for Personal loan for my marriage. Please help me.

Name : Chandanam Aneel Kumar
Mobile No: [protected]
Pleace : Bangalore.

Sir I have availed loan against property frm hdfc bank.Ref.No.80104724.Without my knowledge a premium of rs.500000 under the pretext of home assuarance insurance has been substracted.I dont remember filling any insurance form or signing any insurance agreement.Inspite of contacting the local branch repeatedly no satisfactory answer is been given or no documentary evidence is furnished .Pl. look into the matter urgently. Or i am left with no option other than filling a criminal complaint as well as going to the consumer forum for the same reason..
thank you..Dr.Sajidkhan

this is to inform that i prem dutt meharotra age 62 yr took loan from hdfc (housing loan) i regulary deposit my monthly installment. this month the hdfc rathyatra branch manager demanded to deposit two months installments. i refused he talked very badly and ordered the bank staff to not to deposit the installment untill i give two installment. though i am depositing my monthly installment he even abused me and threatens me to see when i warned them to complaint in the consumer forum the manager mr dutta and mr ashish tandon of lucknow branch talked very badly and refused to deposit the installment.my loan ac no is 2872445 i m residing in virat villa vmehmoorganj varanasi. sir i m really shocked with their talking misbehaviour sir i have taken loan not sold my dignity sir i m of their father age. but they talked misbehaviourly i m ready with my installment but they are not depositing it. please accept my complaint a have also e-mailed my complaint to loan [protected]@hdfc.com but they are not interested in replying me.
so kindly consider the matter.
prem dutt mehrotra

Please note, that I applied for a loan to do some renovation work in my house on 04 October 2010 to Mr Sanat Kr Halder of HDFC Tollygunge, Kolkata Branch and unfortunately the application said to be rejected without showing any proper reason for that as of now; I have not received any rejection/cancellation letter till date. Moreover, as per my knowledge all the required documents I have submitted and nothing more was asked further.

Not only My loan was verbally rejected by that fellow sales person without any reason; that particular fellow misbehaved with me as if there was fun on it; moreover to my utter surprise the next day the loan application was rejected I received a call for personal loan from some Fullerton co. executive and that executive admitted he got my mobile no. from this fellow. This only signifies that this scrap might not processed my loan application at all so that he may earn some extra incentive by some other way. I also found in some documents my signature also was duplicated!!!! What kind of banking relation is this?? who permits bank personnel to do this illegal things??

I am really disappointed, I don't need any more loans from this organization but only I need proper explanation of these acts -


Why my loan application got rejected.?
If rejected why proper reason was not given - why any letter was not dispatched till date?
The kind of reception I faced - How can this organization claim proper relationship with a customer?
Why with out my consent my Mobile no. was shared to other organization? Is this the kind of privacy policy you are maintaining?
Why my signatures was duplicated? Who permits this, with what authority?
Also I wish a strict action to this kind of sales person. If bank believes the person is not eligible for loan then why this sort of fake dramas were organized?

Please refer my Loan Account numbers 2548654 and 63247511.

Both the above loans were taken as mortgage against my residential property. At the time of the loan the property was jointly owned by Me (Ajay Raina) and my Brother (Amit Raina), hence the loan was taken as a Joint Loan in the names of Amit Raina and Ajay Raina.

Later on in a mutual agreement the property was registered in my name and the subsequent registry depicting my sole ownership of the property was deposited with HDFC bank along with a letter claiming sole proprietary of the property mortgaged with the bank and also depicting my sole responsibility for repayment of the loan. The payments of the installments also were transferred to my personal account and have been paid from my personal account with HDFC since last one year. I was also assured that the loan had been transferred to my name.

Recently I went to the bank for foreclosure of the said loans and received a letter depicting my full outstanding with the bank for these two loans against which I made the necessary payments. Now when I requested for the papers of my property the bank is refusing to hand over the same. The reason cited is that there is some outstanding in the name of Amit Raina for a personal Loan he had taken from Centurion Bank for which I am not responsible or liable. No information of any sort was given to me for this outstanding when I requested the foreclosure details, or even when I paid the mortgage dues.

I have paid fully for the mortgage loan taken against my property and the bank is liable to return the property documents. They can not with hold my documents for some other loan which was not taken against my property papers.

I would like to have my loan account details. I am regularly paying the instalment before 5th of every month in my saving bank account. The question of bouncing the EMI does not arise. Yesterday, I have talked to Phone Banking Officer, who told me that my overdues towards loan is Rs.2239.45, I am surprised to,know this.

Kindly give me the loan account details for my clarification

I am being told by the Customer Service Official Mr. Afzal that myself and my husband would not be able to subscribe to Netsafe Card because we are new customers (we have already been HDFC customer since 3 months). He also says that "We would like to inform you that currently we are upgrading our systems and hence the Netsafe payment option is temporarily unavailable. "

Inspite to having the MasterCard We are unable to use and when ever we write to them we get some bull answers from them.

To the concerned authorities
this is to inform u that myself PREM DUTT MEHROTRA age 62 yrs resident of varanasi UP took a loan from hdfc rathyatra branch. my loan ac no. is 2872445.sir no one from the branch comes to collect the installment due to which installment get late.now a days mr.Ashish tandon from lucknow branch has directed the varanasi branch not to deposit my installment.actually they are forcing me to deposit two installment than they will deposit i went rathyatra branch to deposit the installment but they refused to deposit. also their way of talking is bad. i m totally fed up. we have taken loan not sold our reputation and dignity.i m also trying for consumer forum.a senior citizen is ready to deposit the installment and the authorities are misbehaving.their sentences are 'tumko jo karna hai karlo'.
i request u to look into the matter and reply. otherwise i have to move forward.
prem dutt mehrotra

I have been waiting for my loan from last 3 weeks and these sales guys are acting as if they are paying from their pocket. I think i will loosing the car i have booked as there is a lot of demand for the car...Never ever take a loan from HDFC...they suck.
Main presaan ho ghya hoon sells manager se sells manager hamesa bolte hain ki kal aap ko loan mil jayga lekin O kal kab aaya ga bhagwan ko bhi nahi pata hain. Main apni khani sunata hoon main auto loan ke liye apply kiya aaj se karib 20 days phle sells manager HDFC Bank (Mr. Rajesh Kumar) Boring Road Branch (patna BIHAR) lekin rajesh kumar hamesha bolte ki sir aap tenstion mat ligya kal aap ka 100% kaam ho jaayga lekin o kal abhi tak nahi aya hai.. after one week mr. rajesh bolte hain ki aap ka add. proop baraber nahi hain main bola ki abhi tak koi bhi aadmi mere ghar nahi aya hain or na hi koi phon aya hain fir aap kaise bolskte hain ki mera add. galat hai maine add. proop doc. me passport ka copy diya hoon. lekin rajesh ne baat Nahi mani O ble ki jo bhi aap ko baat karni hain aap branch me aakar kigy main brach gya to Mr. rajesh kumar bolte hain ki agr aap ko loan lena to aap kharcha karna hoga.main bola ki kitna O bole ki 04% off Loan amount mera loan amount 4000000.00 ka hain.abhi main ye pooch na chata hoon hdfc bank wale se ki bihar me bina paisa ka koi kaam nahi hota hain kya.Main hdfc bank ka 08Years ka costumer hoon lekin aaj tak hame koi presani nahi huaa hai lekin patna (BIHAR) me sells manager asa bolta ki paisa chahiye to thik nahi hainham ko to lagta hai ki hdfc wale bihar me complain ka audit nahi karte hain agr karte to ae haal dekhne ko nahi milta.ham ko auto loan 03 days me mila hain phle O bhi HDFC Bank Se.lekin fark itna hain ki ye Gujara hain OR O bihar hain.

There was a mutual agreement between HDFC and myself on 24th August 2009 and I do have the document to hold the same. Yet my name appears in the CIBIL list when I approached for a Car loan.
Im not sure if other banks will approve the loan when approached for the same.

Ref No. [protected]N1.

I Biswajit Nayak with following credit history.

1. Saving Account Holder approx 4 & 1/2 Yrs.(HDFC Bank, Nehru Place Branch).
2. Classified as Classic Account (HDFC Evaluation/Classification).
3. No Cheque dishonourded/Return/balance below specified by Bank.
4. ECS for Car Loan thorough HDFC.
5. Pre Approval of Credit Card (HDFC Evaluation/Information).

This w.r.t to above information,I was encouraged/insisted/provokated for an application/subscription of HDFC Credt Card & denial for the same for the reason credit worthiness/eligibilty.

Can some one assist/suggest/advise me to apply or force the Banker for specific reason in details if any in accordance with regulatary body ?

Thanking You.
Biswajit Nayak.
[protected].