HDFC Bank Complaints & Reviews

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

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.