HDFC Bank Complaints & Reviews

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].

This is to inform you that me Sahil Sehgal is a customer of HDFC Bank Ranjeet Avenue branch Asr.
I have been mentally harassed by the employees of HDFC bank as I submitted all my documents on 17 august 10 for a/c opening & my a/c got opened after 1.5 months and now it's 4 months past i didn't received my welcome kit. I visited branch atleast 15-20 times but not getting positive response from any one . There is a lady name Mrs. avneet who is just making false commitments with me & it happened many times. Few days back i visited branch and I again filled the form for kit but when i called up their customer care then they told me that they haven't recived any request . Today I loose my patience after a long time & this is not acceptable at all. Please look into the matter and resolve my issue with in 48 Hrs.


Sahil Sehgal
Finnacial officer bharti axa
[protected] & [protected]
My a/c no. is [protected]

SINCE LAST 2.5 MONTHS MR.CHOUDHURI ,RIMLI ,CHANDA & THEIR HDFC LIFE TEAM CHEAT ME TO SAY THAT MY POLICY IS READY & I WILL GET IT WITHEN 2~3 DAYS.BUT YET IT WILL COME TO ME .
MEANWHILE THE POLICY WAS NOT READY UPTO 2 MONTH WHICH GET TO KNOW FROM THERE HYDRABAD BRANCH MEMBER SANJAY.
I AM GOING FOR COMPLANT THROUGH CONSUMER COURT.
UTPAL DATTA.

Hi,

I have opened an HDFC account (No.[protected]) two years ago for ERM purpose but I was not intimated that they are opening Salary account for me as I already told the executive that our company have tie up with different bank for salary accounts, so I cannot open a salary account with HDFC bank. But today only I came to know that I was having salary account and now it’s converted to saving account because I have not maintained the salary into that account. And this month they have deducted approx Rs.820/- from my account as a fine for not maintaining the balance of Rs.10, 000/-. In 2 years this is the first time they have deducted the huge amount. Why suddenly they start deducting amount for not maintaining the balance and why this was not intimated to me that my account is switched to saving account now? Every month I am maintaining the account of Rs.4500/- because I have to pay my EMI for personal loan of Rs.4420/- but as bank has deducted Rs.820/- from the account I got shortage to pay my EMI and now they will put a fine of Rs.500/-. When I just asked for the ERM purpose then why they have opened salary account for me? And why they have not intimated to me that my account is switched to saving account and it will be charged if I don’t maintain the balance? I want my money back as there was a mistake from your bank and they have given me a wrong information, otherwise I will go to consumer court. I want immediate respone. My email ID is [protected]@yahoo.com

Dear Sir/Madam,

I was offered a Corporate Credit Card by HDFC Bank, Pune, some 6 months back as I am working in an IT company. I applied for the same as I was promised a 10% discount on every use of Credit Card(lifetime) and some more lucrative offers like 30% Discount at Pizza Hut for the next 6 months etc.

Upon receiving the same, I confirmed with the Customer Care Service whether the promised discounts have really been offered on my Credit Card and to my surprise it was a normal Credit Card(not a Corporate Card) with no extra discounts. The manager of the Credit Card Department(a certain Mr. Prashant) assured me that in case of any problems, I should contact him(at the number provided).

When I tried to reach him(at his HDFC Bank contact No.), I was told that he has already been fired for the malpractices. Upon asking what needs to be done regarding the Credit Card, I was told that I can discontinue the Credit Card if I wished to.

I understand that the marketing teams are given a target to be completed, but not by unethical means.

Alas! I received a telemarketing call again from the same person(Mr. Prashant) offering me a Credit Card, a fortnight ago.

Now the point of concern here is that HDFC Bank is supporting or promoting such unethical sale of Credit Cards as had they not been doing so, this person Mr. Prashant would not be working at HDFC Bank again selling the Credit Cards.

I feel this is a very sensitive issue. Can you please let me know what can be done regarding this?

P.S. : I would be reachable at [protected]@yahoo.com

Thanks and Regards,
Priyank Parekh

dear sir / madam

Dear Sir / madam

with reference.my name is jamnesh khoiwal s/0 habu lal ji khoiwal at bhilwara
( Rajasthan). I purchase the vehicle motorcycle and loan section to
citi finance at bhilwara branch. till date i paid all dues payment and
i received a noc dated 04-december-2004 and second loan noc received
on dated[protected] but second noc is lost. then i again duplicate noc
issue on dated[protected]. loan account number is 5548130.
But Till date my name is stand to Cibil report.
I regular Emi Paid My Bank statement Show every Emi.
so how can is possible only only 1 emi is not paid
so pls i request u pls disconect my name is cibil report as soon as possible

Thanks & Regards
Jamnesh Khoiwal
Bhilwara ( raj;)
Mb[protected]