HDFC Bank Complaints & Reviews

For some personal reasons I had availed of a personal loan from HDFC, since I already had a loan going on with them. Before I had enrolled for the loan, the telly banker used to literally call me on a daily basis.
Finally, I decided to go for it, and discussed with the phone banker, about getting a personal loan for a tenor of 60 months. I spoke to a girl by the name Surekha, she assured me that, she would have an executive get the documents signed by me and she would fill up the necessary details in them. We went through all the formalities, and she called me and told me all the terms according to a 60 month tenor loan. But, when I get the confirmation letter from HDFC I notice that for some weird reason my tenor showed 36 months and my EMI had gone up by more than Rs. 3000/-. That came as a shock to me, as it threw all my budgeting for a toss. I called up Surekha to ask her to get it corrected, but I that I got was a run around. Finally, I got exasperated and threatened to close all my accounts with HDFC and mention in the foreclosures forms the names of her and her credit manager. That is when she finally proceeded to get another document processed and assured me that things would be fine at the end of it.
But, alas!!! That was not to be the case. She called me today to inform me that in the first month I would have to pay 2 EMI one for Rs. 9741/- and the other one for Rs. 6332/- and the one for Rs. 9741 would be refunded in 15 days time. This was ridiculous, I was getting impacted because of an error on the part of the bank official, and the bank would not even pay me the interest for the 15 days that would be using the funds.
I have now decided to get all my loan accounts with HDFC closed and never bank with HDFC again.

Anup,
[protected]

HDFC recovering females useing voulgure languages calling from number[protected] and[protected] used voulgurte languages and misbahaved with me for this am mentally disturbed how can a reputed bank gave jobs to illiterate fellows.
The worst part, these call i am getting for none my default or due payment in hdfc. i am getting this call for some neeru kapoor , whom i dont know at all. I told the caller that i don't know any neeru kapoor, but repeatedly she is calling and asking for her number in abusing language.
I am a very old customer of HDFC Bank. So, i request to HDFC to please look forward on my request.

Anant Kant Ghosh
+91-[protected]

SUB :- GOODFAITH REQUEST

WE ARE YOUR EXISTING MERCHANT ESTABILISMENT NAME EROS MOTORS PVT.LTD.,NAGPUR. WE HAVE PROCESSED THE BELOW TRANSATION ON DATE 01.09.2010 BUT BY MISTAKE THE TRANSACTION HAS VOID. WE HAVE ALREADY GIVEN ALL THE SERVICE TO THE CUSTOMER NOW WE WANT TO CREDIT THE AMOUNT IN OUR ACCOUNT.

MECODE N04633
TID 48010555
CARD NO. xxxx xxxx xxxx 7727
APPR CODE 018490
AMOUNT SWIPE 49934.00 Rs.

WE HAVE ALREADY LOGGED THE COMPLENT AT HDFC BANK LTD,NAGPUR & Mr.KRUNAL SHRIVASTAVA ([protected]) THE CONCERNED PERSON HAS RECEIVED THE COMPLENT.

NOW WE WANT CREDIT OF THIS AMOUNT URGENTLY.
YOU ARE REQUSTED TO PLEASE CREDIT THE AMOUNT TO OUR ACCOUNT URGENTLY.

Achal Krishan
B-670, Street No.8,
Sonia Vihar, Delhi-110094

25 September, 2010

HDFC Bank Cards Division
P.O. Box # 8654, Thiruvanmiyur,
Chennai – 600041

Sub: Closing of credit card ([protected])

Dear Sir/Madam:

This letter serves as notice that I am closing my credit card account effective immediately, because of I am very disappointed...

Dear HDFC Manager,

I have taken a car loan last year for which the HDFC agent has taken some hidden charges (INR 2000) without my knowledge, I came to know about this only when i went to showroom to take my car.

Later when i approached that agent he said that its showroom dealer charge and i have to pay it to dealer and when i asked dealer they said there is nothing called by dealer charge.. for the past...

Hi,

I am receiving some Calls for my HDFC credit Card payment from Yesterday, I was nto able to receive the calls yesterday as I was out of office and the calls were landing on my landline number, This morning they called my office number and spoke to the receiption guy with very abusive language, I want to register the complaint against the bank for the same.

I have not used my debit card after 14 Sep 2010 for sure, today (21 Sep) I went to withdraw money and came to know that some amount was deducted from account stating this ..

17 Sep 2010 NWD-[protected] -BANGALORE [protected] 17 Sep 2010

The card was with me all the time, I am the only user of my debit card. When I called customer care they told I have withdrawn money from some ATM other than HDFC therefore NWD-[protected] is coming in narration, which I suspect is wrong information provided to me. Please help me in resolving this ASAP.

My name is Saket Agarwal and policy number is 12183025.
HDFC insurance is deducting huge charges on various count in this policy and when I ma requesting the details, they ae not sending the same on email.
a) I have premium for three years and want details of policy as on date with monthly details of deuction on various counts since inception.
b) I have premium for threee years, so can I withdraw for this policy without paying surrender charges.
c) Everytime I call at the toll free number,I am told that the system is under maintenance. You can check records, 5 times I have called up, still I have not been provided with login id and password for my account service.what kind of service is this?
SHAME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I bought an insurance for my car on 10 Aug 10. As per my bank statement, HDFC ERGO encashed the cheque on 18 Aug. It is 20 Sep today, and there is still no sight of the Insurance Policy. The agent doesnt pick up the phone. Registered an online complaint with HDFC ERGO on 10 Sep. On 14th they replied and asked me for my previous policy which I sent on the 15th. Till today, am still waiting for a response. I DREAD TO THINK WHAT WOULD HAPPEN IF I EVER NEED TO MAKE A CLAIM. Listen, all you nice people, who take the trouble to check the CONSUMER COMPLAINTS website..take note of my experience with HDFC ERGO, and never ever insure with them.

This is the most disgusting experience of my life. I have an auto loan running from HDFC bank and started getting calls last week from a DST in Paharganj number [protected] for ECS bounce charges.

The person calling claims to be a Branch Head who can't draft a single sentence. He has no knowledge of the outstanding and keeps asking for cheques of different amounts.

Initially a lady called me and got a cheque of Rs 429 picked from my residence. Later I was told I have to pay Rs 947 more without confirming months of delayed payment. As far as my knowledge goes there was only one bounce in July since I was shifting my residence and couldn't deposit cash in my account.

When I asked him to confirm the correct amount and whether he was calling directly from the bank he started abusing and has been harassing me with constant calls. I have lodged a complaint with consumer forum and wanted to let you know too what kind of partners the bank has tied up with.

To my shock and horror a lady called Sandhya Nair writes to me in reply to an email i wrote for the complaint stating that they are VERY SURE they follow protocalls for calling customers. here's the email she wrote:

Dear Ms. Sood,

Thank you for writing to us.

This is with reference to your e-mail dated September 18, 2010.

The total amount overdue in your account is Rs.492.00.

We request you to submit a cheque for the above overdue amount in favor of HDFC Bank Ltd Loan Account No. at any of the nearby Retail Asset Branch.

To find your nearest Retail Asset Branch, please visit www.hdfcbank.com and select Retail Loan Service Centre from the drop down menu under the banner 'Find your nearest'.

In case you are unable to visit the branch in person, you may submit the same through courier or post to any of our Retail Loan Service Centres with attention to the Operations Manager.

As regards the calls/visits by Collection Agents, these are as per our process of investigation/ recovery of overdues. Our Agents operate under strict guidelines on the tone and tenor of interaction with Clients and you are requested to provide specific details, if any, of the alleged misbehavior. In any case, the inconveniences to you in the matter are sincerely regretted.

As you are aware, EMIs are set at the time of disbursal itself and no interim change or suspension / postponements etc are allowed. Furthermore, delay in realization of EMIs also leads to accrual of charges relating to EMI bounce / delayed repayment.

Going forward, kindly ensure that the residual overdues, if any, are cleared without any further delay and installments are paid on the respective due dates. This will help avoid such problems in future.

Have feedback to share about your e-mail interaction with us? Want to refer a friend? Please visit the link

https://leads.hdfcbank.com//applications/webforms/apply/EMT_feedback/emt_feedbac...⇄


Warm Regards,
Sandhya Nair
Customer Support
HDFC Bank Ltd.

the funny thing is after harrassing a customer through two days, she has the audactiy of asking for more "references" for new customers !!!! DISGUSTING ! their senior management doesnt seem to be bothered to reply either !

SUB: DELAY IN PF WITHDRAWL SETTLEMENT

PF NO.:10855 (MEMBER OF HDFC STANDARD LIFE INSURANCE CO. PF TRUST)

EMP. CODE: 10855

Dear sirs,

With reference to my PF NO. 10855 ,and my EMP ID 10855 i was working with HDFC STANDARD LIFE INSURANCE co. I had left the company and submitted my resignation with their HR DEPTT. Personally in written and filled up all the exit forms respectively , but after the span of almost 2yrs or so , i have not received my pf withdrawl and full and final settlement from their side. even though i have not received any satisfactory answer or reply from their hr deptt.

I am very much in need of these funds , kindly help me to get all the dues at the earliest.

Awaiting for your early response

REGARDS,

PURNIMA KAPOO

The Branch Manager
HDFC Standard Life Insurance co.
A32 - 34, North Ex Mall
Sector-9
Rohini
Delhi -110085

Sir
Sub: request for termination of the policy and refund of the money
I came to HDFC SLIC (Rohini branch) for the summer internship programme for the profile of ‘channel development’. But after few weeks, I was pressurized by Ms. LAKSHMI KAPOOR for selling the policy for the company – so that she can meet her targets - though my profile was to hire financial consultants. Then as per her guidelines I dropped a Rs. 6000 cheque at her and she said that she will fill the insurance form on her own.
After some days I received my policy paper ( proposal no.[protected] and now I want to discontinue with this policy due to several reasons:-
1. The policy terms were not according to my requirements. When I got the papers, I was shocked to see the details that my endowment plan – annual premium Rs. 6000 for ten years ( as discussed and finalized with Ms Lakshmi Kapoor )- has been converted to ULIP plan (Monthly premium of Rs 2000 amounting to Rs 24000 annually, payment mode ESC ) . She had filled all the detail in the form on her own in absence of mine.

2. After this called her several times for the rectification of the papers. After few weeks she took the policy papers from me and assured me that she will put it in the operations and it will be rectified with two weeks. Many weeks passed and till date I have not received my rectified policy papers.

3. I called her several times. Whenever I called, I got such replies - “I am out station” , “ I am not well” and “ I am in meeting” , “ your work is in progress, its in operations” .

4. On 20th august, 2010, my bank account was debited with Rs2000 ( monthly premium – though ECS). It means no action has been taken yet on my policy papers.

5. When I told her that my bank account has been debited, she again said that she will check this matter and will post an online request for the refund.
I am studying in B school. I am in fix since past two months regarding this matter only. I have many other academics pressures. Several times I had to suffer my studies for this issue. Had I committed a mistake by taking a policy from HDFC SLIC. Your company is big and it cant manage to handle to such a small issue. Either its your mistake or the mistake of the LAKSHMI KAPOOR. It felt like cheated by investing in this company.
I hereby request to please refund my Rs 8000 and nullify my papers so that I should not be compelled to seek the help of the higher authorities. I am a student and this amount matters me a lot.
I wish the goodwill of your company should be carried forward
Thanking you


KARAN MALHOTRA
[PROSONAL NO. 13679326 ]
PH. NO. [protected]

I was working with HDFC Bank Ltd as a CSE from the period April 2007 – 15th October 2008 under Business Banking Department However I had submitted my resignation on 27th September 2008, which was duly accepted by my mentor.

I have sent accepted resignation letter along with the exit check list for your perusal. However till date I have not received any confirmation on the release intimation.

Infact it has been confirmed by HDFC RO - Kolkata - Gillander House that revised formalities has also been completed. As a result till date I have not in a position to submit my relieving letters to my HRD which is quite important as you are also aware. After sending multiple mails, which is evident below, I have not received any communication neither any confirmation from any one.



After spending more than a year in my present organization, I have not completed necessary HR formalities which are against the policy. Infact this has forced me marking this mail to all the competent authorities with a hope of resolution.


Request you to please revert on the urgent basis. It will help me to comply my releasing formalities, also request you to kindly do the needful and issue me a relieving letter as early as possible. My communication address is.



Pradipta Sarkar
ING Vysya Bank Ltd
1& 2 Old Court House Corner, Tobacco House

2nd Floor Kolkata-700001.

Hello,
wants to raise compalint regarding the above company ,who had terminated its employee witout any prior notice .just 3 days prior to termination was the intimation given to the employee saying "Start searching for a new job ,& u would be no longer working with us" .
& reason was not because of employees unsatisfactorily job profile but due to company's loss booking year on year .Company seniors intentionally gave the employee low rating & removed with the low rating as the reason for the same.
even after long arguement there was no answer from their end .only they could arrange for 2 month salary to the employee & fial settlement.
what did the company expect from such short notice removal from the job ,is many jobs waiting for people to come & join them ?

Dear HDFC team,

One of my cheque issued to my borther (SBI bank) was returned because of insufficeint amount in my account.For this deduction of 386.05 which I can understand as cheque return charges for 12th August, 2010. But second deduction is of 827.25 which you have mentioned as deduction charges for resubmission of same cheque ( cheque number 611398) on 14th August-2010.

When my brother checked it with his bank, they(SBI) confirmed reason of rejection was not correct first time. It was mentioned as "other reasons". Reason code number 20. Because of this they resubmitted the cheque again to you on 14th August, 2010.

Only second time, reason for rejection was mentioned correctly as " insufficient funds".

This carelessness is not acceptable. Not only me, other party (my brother) has also suffered huge penalty charges second time.

Please invetigate arevert back the Rs.827.25 to my account as soon as possible.

Regards
sanjay

[protected]

I had issued HDFC bank cheque to my borther, who submitted it to his bank SBI for clearnace. As my account was having insufficeint finds, HDFC deducted charges . First deduction was of 386.05 which I can understand as cheque return charges for 12th August, 2010.
When my brother checked it with his bank, they(SBI) confirmed reason of rejection was not correct first time. It was mentioned as "other reasons". Reason code number 20. Because of this they presented the cheque again to you on 14th August, 2010.

Cheque is again bounced and this time deduction is of 827.25 as penality from my account.

Only second time, reason for rejection was mentioned correctly as " insufficient funds".

Beacuse of carelessness of HDFC bank, I have to bear the additional penality of 832 ruppes.

When I called phone banker, they refused to book the complaint.
When I visited branch, they also refused to take it up.I hope my complaint hear will reach to deaf ears of Bank management and they can atleast try to investigate the matter.

Credit Card Wrong/Fraud Billing !

Would like to know is the customer liable to pay if the signature on the disputed transactions charge-slip do not match !!! The transaction was made on 3rd and the bank was notified within 18 days about the wrong billing.


This is the case of year 2006, I received my monthly credit card statement demanding me a charge of Rs. 18,686 where in my credit limit was only 17,000. All 6 faulty/wrong transactions were made in Noida, UP. All the transactions were carried out on the same day which included a charge of 0.50 paisa and Rs.60.0 at a petrol pump. After bank investigation their agent reported that a duplicate card was made and swiped several times at all merchant outlets till the card stopped working. The bank at first claimed that i have lost the card and thus they are not liable under their credit card policy.

Now after lot of complaints they have reversed 3 transactions, and rest 3 they are demanding money. As per law i have agreed to pay the bank its due once they produce the original charge-slips in front of the court. The bank has once produced photocopy of 3 charge-slips that did not bear my signature on them.

Now the case is in consumer court, and still going on... If anyone can help in similar matter kindly mail at [protected]@yahooo.com or sms at [protected]. The disputed amount from bank side is 52,000 after 4 yrs of interest !

( All documents are filed with all legal correspondence )

Hi Sir,
I am caryying a HDFC bank credit card. My last payment was due. I have got a call from bank they talked in a very disrespectful way like anything. They called my dad too and talked to them like . They gave him a threat as well. What should i do? I want to to file a case against HDFC bank.


Thanks

Respected sir,
I got a two wheeler loan from hdfc bank on 12/01/2007 a sum of rs 28, 565.00 vide his agreement no 91041630 and customer id 91043583. Named satikunvar prem laljibhai, and i fully payment to bank. But i did not received n. O. C. Till date

Sir,

1. I would like to mention here that I happened to be associated with the bank since 2005 and also classic banking member. My A/C No. is [protected]/[protected]

2. Of late, I observed that the functioning of HDFC has deteriorated rapidly and experiencing red-tapism similar to Nationalised Bank. The glaring example is of Sector-62 Noida Branch where the staff are most discorteous and behave like bureaucrats. Here they follow the principle of 'CUSTOMER IS PAUPER AND STAFF IS KING'.

3. But, they should not be blamed since I believe that the attitude percolates from top to bottom and not otherwise. I would like to quote certain lackadiscal attitude of the HDFC which will substantiate the fact :-

(a) Despite being member of classic banking, 03 times I have applied for HDFC credit card but of no avail and that too without citing any reason.

(b) In todays schenario, time is essence but your bank do not appreciate it. Since Monday (13 Sep 10) your server is working intermittently and you have no secondary measure. Your staff has refused to conduct manual transaction, but of course, they may have direction from top. But could any one tell me the fault of customer who has to make urgent transaction.

(c) For every little assistance/service, customer especially myself, is looked down except WHERE INVESTMENT TO THE BANK IS INVOLVED.

4. I could only hope that HDFC may wake up from the slumber or else they may find shifting of customer to other efficient bank.

5. HDFC may also remember that in todays context 'CUSTOMER IS KING, and percolate this principle to subordinate staff and they also be trained as to how to behave with the customer.


Yours faithfully,



Devesh Kumar Yadav