HDFC Bank Complaints & Reviews

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

Dispute transactions have been done on my credit card account. The details of the account are as follows:

Credit Card Number: [protected]
Validity: month-11, year-2010.

I have filed a dispute with the banks credit card section, but have not been informed about the status of the dispute.

Inspite i receive a statement and a request to make the payment for the purchase that has not been done by me.

I have sent them a letter addressing the dispute but have not received any reply fromt them.

The letter sent to the HDFC bank Credit card is as department is as written below.

Request you to please go through the letter and help me out or suggest me the bestest way possible to get out of this.

"Dear Sir/ Madam,

Dispute transactions have been done on my credit card account. The details of the account are as follows:

Credit Card Number: [protected]
Validity: month-11, year-2010.

The last transaction done on my account was on Jan12, & Jan13 where i booked an online ticket. Please find the bill attached herewith.
And thereafter the transaction I did was yesterday i.e. on May10, 2010 on ICICI prudential.

I see some transactions on my account in the name of PAY PAL for the amount of 6370 on May 7, 2010, and 1,26,000 + some denominations (which i am not sure of since I can no more view my credit card account details.) on May 6, 2010.
Also as talked to CC executive I got to know that some transactions have been done in the month of APRIL also in the name of PAY PAL the details of which i donot have since I have not received the statement for this month and the card is also blocked.

Above all, as per the CC executive my billing address is also been changed which was previously,
Aditya Birla Science and Technology Co. Pvt. Ltd.,
Plot 1-1/A1, Navde phata, Near Emerck, MIDC Taloja, Panvel-410208.

Also my email add has been changed from [protected]@yahoo.com where i used to receive my bills. "

Dear Sir,

I used HDFC credit card [protected] from 2005 to 2006 Jan.in the month of jan 2006, i didint receive statement so i could not pay the balane amount.

When i called by HDFC agents for collecting the outstanding and the payment which was very mach heigher than my uses. So requested to have settlement and than the amount of settlement was worked out Rs. 56000 on six installment than i arranged 6nos...

HDFC BANK
ACCOUNT NUMBER:
[protected]

Want to complaint against Hdfc bank as I have attached the letter they send me stating that the account has been closed and settle status is been taken off but when I called Cibl today they informed the status for my account is still the same(settle) as today is 14 sep they also sent me the cibl report dated 27 july where in that it reflect the account is been closed but that doesn't seen to be the case ans also I received a letter from RBI OFFICE OF THE BANKING OMBUDSMAN ,according to them to this account has to be closed. I again feel been cheated Please check the attachment as I fail to understand do bank and Cibl have different database? Check the dates in cibl reprt it's fishy as if they themselves have made the edition in the report.

To Bank Lokpal
New Delhi

Dear Sirs / Madam,

Please note that last year November 2009, I have taken personal loan (Account No.[protected] from HDFC Bank. The loan amount was Rs. 5 lac. I have used the money for my Chemist Shop, which I have opened on 15th Dec. 2009. This shop does not give much return to pay the monthly loan installment and even to look after my family properly. As at this moment, my father is supporting my family.


Actualy I am a customer of this Bank since 2006. At that time, I have taken personal loan for my mother joint knee operation. After this, I took 3 loans. Since then, I am paying monthly intallement & no intallement has been bounced. Now my present installement is Rs. 13172/- per month. From thisAugust, I am not paying the installement.

On this pretext, on August 18, 2010, I have requested the Bank for staying monthly installement upto 5 months. After this period, I will close the account.

The bank ignored my request. On this on 30th Aug. 2010 I along with my wife visited HDFC Bank Collection Centre, Rajouri Garden (New Delhi). But their no one has attended me properly. Lastly security guard asked me to meet Mr. Vinod Deswal. Detailed him all the facts & oblidged him to accept my request. He has softly told me that if I don't pay the installment till 5 months, interest & bouncing charge will be billed on me. That I accept. I am not saying that I will not pay. That's why I went to the Loan Collection Centre to resolve the issue. I can't pay the monthly installment till five months & after this period I will close my Loan Account.

Still I am receiving call from the Bank's executive to pay the monthly loan installement. Also they are mentaly touturing. I am still communicating with them. All the communication supporting I have.

Sir, you are requested to look after my case & need yours support to resolve the issue.

Thanks & regards

Yours truly

Ashish Karmakar
[protected]

I have a salary account with HDFC Bank.On August 7th 2010,i submitted a request to JP Nagar HDFC brach for a Smart draft(OD) facility & i was told i will get it in 15 working days.Today it is 13th September 2010 and no employee is able to tell the status.Moreover,bank charges some1000 rupees for this facility.But the time when i need the money if i dont get the same,them i am at loss.The brach people say that all approval happen from mumbai and they cannot help.So my question is that inspite of having salary account,i went thru back-ground checks etc,still i did not get the facility after 1 month.
Is this the kind of service HDFC provides to its account holders.
My application # : 17144483
Customer name: Supriyo Bhattacharya

Shame Shame Shame on HDFC bank. I have registered my Mobile number on national DND list. I have also registered the same mobile number on Do not Call Distrub registration on Bank Site.Till I am receiveing call from HDFC.I want to sue them on immediate basisdue to my mental frustation. Please guid me on the same....

I have already made settlement to my HDFC credit card no:[protected] two months back. But till now I didn't received NOC letter from the bank till date. So requested to provide me the NOC letter asap.

Regards,
Yasmin Gurumayum
[protected]

This is to inform that my family and I are being constantly harassed by the HDFC officials and their collection agencies. HDFC officials (names enclosed with their mobile numbers) have been forcefully entering my house and have threatened my parents (who are retired and are Senior citizens) of illegal consequences against me.
My parents are the patients of High Blood Pressure and other diseases. They have been very scared and ill since this incident took place a couple of times in my absence in the last week of the previous month. They had come again 2-3 days back.
I have gone through a series of such illegal events since the time I started my relationship with HDFC. A sequence of such incidents with proof (e.g., email by HDFC officials, proof of phone calls and SMSs can be furnished by me whenever required. The tress pass by HDFC officials and the goons hired by HDFC must have been observed by the security guards at my apartments.
Due to some financial constraints, I have not been able to pay the EMIs of my personal loan from HDFC for a few months. I requested HDFC to waive off EMIs for three months. A lady staff (name attached) sent me an email saying, she is going to process my request for the same. But, later I realized that it was a false commitment to make her bonus (incentives). Since then, I have gone through a rigorous process and have been fooled by 3-4 HDFC officials (their names with Mobile numbers are attached)
In the past also, HDFC illegally duped me with several thousand rupees (For example, Once HDFC Bank withdrew more than Rs 30,000/- from my Salary account to pay the HDFC Credit Card without my consent). I can submit the proofs whenever required. Despite all this, I am willing to pay HDFC Rs 5000/- per month. This can be easily done by increasing the payback period. I also requested HDFC to grant me a top-up loan so that I may pay up other loans and streamline the existing loan with HDFC. All my efforts have been futile and HDFC is now acting like a goon.
I am highly scared for my parents (who live alone during day time) and myself. As I am seeking the help of the Police and the Consumer court (and informing the same too HDFC through email), I would expect that HDFC should stop its illegal collections from me. Any such effort should be treated as criminal acts until court gives its verdict.

I can be reached at [protected]

This is to inform you that i ws having HDFC credit card long back around 4 yrs back, just 2 days back i received a call from HDFC BANK Credit card division by Mr.Arun-AVP-Delhi based Collection stating that i am having outstanding 1.5 lac, part from this he started abusing me in Ph also.
Now today one person came to my house( where as no one is aloud to visit for collection at any body home according to court) and again that person instite me to talk to same person.When i had a talk again same attitude was there.
Kindly suggest me what to do or i will do police complaint if any person came to my house from HDFC bank again.

Hi,

I was having HDFC Credit Card # [protected].

I asked the Customer Care person to cancel the card in Oct 2004. And they told me that it will be canceled once I cut the card and drop it in any of their ATM Drop Box. I did that and after that there was no communication from them. No letters, no Statements nothing.

Recently I applied for Travel card and it got rejected stating that my name is there in the defaulter list in CIBIL. I enquired CIBIL and came to know that some 1,200 INR is outstanding in my HDFC Credit Card.

I called the Customer Care Center and they told me they are no able to see the details in their system and I need to visit any HDFC Branch and they will give me the details. I went to the branch and they told me that I need to visit the Richmond Road, Bangalore, Credit Card Department.

I went their and told the security. He called some person, Miss Neetu Sharma and she talked to me on the extension. She told me that have you got any confirmation from our side that the card is cancelled. You raised a request and it was not cancelled. Then I asked her then why I am not receiving any statements. To which she said since the card is in block status thats why statement is not generated. I asked her that after some particular time only the card will be blocked for that time even I didn't get any statement.

Then I asked her to tell me how to go ahead and cancel my card now. To which she said there are two ways, either do a settlement in which your name will not be removed from CIBIL or pay INR 10,721. I asked her why INR 10,721 to which she said its company policy. Pay this and we will issue NOC to you and your name will be removed from CIBIL.

Guys,

In case if you have HDFC Credit Card then please cancel it now and ask them to send you in written that the card is canceled. And in case if you are planing to take HDFC Credit Card then please think about it.

Sir/Madam,

Myself Nitin Gupta Resident Of H.no-37,LIG Flats,Pocket 3,Paschim Puri,New delhi -63 .I am
Holding An Savings Bank A/C no-[protected] with HDFC Bank,Punjabi Bagh ,New delhi Branch
This A/C was opened on 22Feb'2006 .I am Also Holding a credit card no-[protected]
with Hdfc Bank on which I offered a Loan On My credit card of Rs.70000/- with Rate of
Interest Of 1.5% per month on 21 Feb'2008,Tenure 36 Months, EMI Amount was 2500/-(Approx)
.which i paid on 28th of Every Month with my card amount.Due to some Financial problem i
Was unable to make payments for this loan on card from last 3-4 months .Sir, I am Running
Vehicle loan with HDFC for my Royal Enfield Motorcycle EMI Amt-2238/- Ecs Date-5th of every
Month, Hyundai Accent Car Loan Emi Amt-8500/- Ecs Date-7th Of Every Month.In My savings A/C
Balance Was Rs.423.33/- on 1Sep .I have Deposited Rs.2500/-On 4Sep'10 & I deposited
Rs.8500/- on 6Sep'10 for My EMI'S of bike and car loan .Then I got a letter from HDFC
Credit Card Divison on 6sEP'10 ABOUT DUE AMOUNT ON cREDIT CARD lOAN The Date When Letter
Was Generated That Was 1Sep'10 I Received It on 6sep'10 It stated To deposit The Pending
Amount Otherwise they Will Debit account in That Letter They had given Time till
16sep'2010.Today On 8sep when I called Cust. Services They said no information available &
then i called up Grievenace of HDFC bank they said will get back to me within 24 hous they
have debit Rs.2567/-from my savings account & rest of Rs.8567 is on hold.I went to bank
retrieve account statement In which balance is Rs.0/-.

Kindly help me in this matter because Bank Departments are unware about the process & they
keep on trsfering calls from one Department To OTHER .I want You to help me in getting My
Money Back In my Account & I want Apology In written from Bank & Assurance That it won't
Happen Again in Future Because it totally violation of RBI Guidelines without a given date
how can they debit my account.Sir I Also requested You To Penalize the bank for such Big
Mistake Because Of Thios My Account Statement & Credibility gets Effected & at last need
reversal of late fees & ECS Bouncing Charges.

Regards,
Nitin Gupta
Mob-[protected],[protected]


HDFC CARD NO-[protected]
HDFC CAR LOAN[protected] DEC
ACCOUNT NO- [protected],PUNJABI BAGH BRANCH -SAVINGS-22FEB'2006
Loan On Credit Card Over The Phone-[protected]

dear sir
main mohammad Rizwaan agra se aapko ek complaint karna chata hoon mrea card no.[protected] hai yeh HDFC BANK ka credit card hai.jiska payment main .bank ke ek adhikari Mr.M.K.Swami ([protected])aur bank ki legal advissor Miss Sweata ([protected]) se baat ker ke jama ker chuka hoon.jiska amount (23785.00)dated 17.05.2010 unhone mere se jama karaya tha.ab bank ne mere acoount main ek 20000.00 rupee ke amount ko hold ker rakha hai.jub ke main apne card ka sara payment ker chuka hoon.
aapse niveden hai ke mere mere iss case ko solve karane ka kast karain . aap ki ati kirpa hogi



thanks & regards
Mohammad Rizwan
id. [protected]@gmail.com
phone. [protected]
[protected]

Pre-approved personal loan rejected

Hello,

I am from Delhi, holding a salary account in Hdfc bank for more than 8 years and also a Credit card of hdfc bank. Last week Hdfc bank offered me a pre-approved personal loan of 1.52 L. Since I had a requirement, I agreed to it.

I was told that since it’s pre-approved and I also had my salary account with HDFC bank since years, I did not have to provide more documents except for a picture, proof of residence and 3 PDC cheques which I provided.

On enquiring about the procedure I was offered a guarantee that I will get loan of amount 1.5 L and was asked not to consider any other bank for my requirement. With this assurance, I committed someone for money. I provided all the documents as requested along with the blank PDCs. However, the pre-approved loan has been rejected. My loan reference no. is 17290738.

Please consider my problem and reply as soon as possible

Thanks.

I had received Personal loan from Centuturion Bank. As per centurion bank statement loan a/c no. is LOMP[protected]. Recenly that bank was tie-up with HDFC bank & i had not got new loan a/c. no.
so please give me interest certificate & Loan A/c no. needed for IT-Return file. Send me mail On Following E-mail Address i.e. [protected]@yahoo.co.in.

well at the time of opening the account i was told that i will not be charged with any of the charges as given in the scheduled attached and after shifting my account to HDFC Bank i am sent a letter that all those services that were free are now chargeable and guess what i am now charged when i do more transactions in my bank account and that too by Rs. 8 for every transaction. I hope RBI looks into the matter and do the needful. all the charges debited should be reversed and the bank should be penalised for such unethical acts