HDFC Bank Complaints & Reviews

I have applied for an HDFC credit card at least 3 times but the bank always fills up the form and thereafter there is no response from them, either for the field inquiry or in any other form. They are denying me this card though I am a preferred customer of this bank. My guess is because I belong to the Armed Forces... though the Bank is just non committal. Please advise what legal action I can take against the Bank

I had lost my HDFC Bank Debit Card (No. [protected]) some time after 14.05.2006 (the last time I withdrew Rs 3000 from Lajpat Nagar ATM).
I didn't realise I have lost the card until I wanted to withdraw money on 25.05.2006 and found the card missing. I got the card blocked immediately but by then 3 unauthorised withdrawals of Rs 15,000 each were already made on 20th, 21st and 22nd May 2006).

I contacted the branch and after much deliberations and requests (the whole time the guy at the other end kept telling me that it was because of my fault since I lost the card), I was given a form to be filled and enclosed with FIR & letters giving details of the event and transactions disputed. I supplied the above mentioned documents the very next day.

I was promised that the disputed amount will be credited to my account but will be "holds funds" and an investigation will be undertaken.

But the amount was NEVER credited back to my account. Plus, I was NEVER intimated about the proceedings or result of the 'investigation'.

My point is even if I lost my card, how come the person who found it got the PIN? Now, I am not so stupid to share the PIN with anyone. Plus, when I asked the bank to see the CCTV footage and get the person caught, they said there is no CCTV at our ATMs.

After 2 months of the incident, I had contacted the customer care guy at the bank and he had told me that I will soon hear from the bank. But I never got any response.

After some more time, I got frustrated and even stopped following up. But again after around 2 years, I sent a mail to the customer care cell (that i got to know from some forum) but no one replied.

Is this the kind of service one expects from a bank? They even didn't have the courtesy to tell me what happened in their investigations.

Plus, I also applied for the reissuance of another debit card but it hasn't been sent to yet.

I request the bank to look into this matter and reverse the amount in my account or ATLEAST inform me about the result of their 'investigation'.

Faraz Alam
HDFC A/c No. :[protected]
Mobile: [protected]

SIR,
I AM SURENDER BAISOYA,I OPEN MY ACCOUNT 25 DAYS AGO FROM BRANCH OF SAROJINI NAGAR MARKET {NEW DELHI}110023.BUT I NOT RECEIVED MY CHEQUE BOOK, DEBIT CARD AND PASSBOOK YET.I JUST GO THERE SO MANY TIMES ALSO BUT THE STAFF OF BANK NOT GIVE ANY RESPONSE OF MY COMPLAINT.I THINK GOVERNMENT BANKS ARE MORE ACTIVE THAN THIS {HDFC} BANK.AND THEY ALSO TELLING LIE THAT THEY SENDED ME THOSE WELCOME KITS{CHEQUE BOOK AND DEBIT CARD} ALREADY..BUT THE TRUTH IS I DIDNT' GET ANY THING YET.

Dear Sir/Madam,

I am bearing Credit card holder and my card no:[protected] as I asked for settlement since three month but they have taken any step for the above every month they request me to give the minimum balance we will take care of your matter next month but today at 11.30 on 31st Aug(Today)your tele caller name Ms.Avispa (HDFC Credit card section Bhubaneswar Nayapalli branch near Kalyan mandap) made a call regarding payment of dues. My colleague held the phone and informed that She is in Production section due to brake down but the lady told him that you a liar she is sitting besides you and usages vulgar languages in local language (Oriya), when I came from the plant he told me the detail I called her and she again told me in Oriya that I do not deserve a credit card since I do not have the "oukat" to pay the minimum amount and started mis- behaving. I then disconnected. I would request you to kindly enquire into the matter and take appropriate action, till time she is calling and disturbing all my colleagues please take the matter seriously.

I received tele calls on my mobile from HDFC Bank tele call executives tel nos 30870406,30870407,30870492 on 30th August advising me to convert my outstandings on my HDFC credit card to EMIs. They told me this could be processed on phone and I would be receiving a verification call from Chennai to this effect after which needful would be done. The caller also repeatedly told me not to query the verification person as in that case the proposal will get rejected.

To my utter surprise I get a call from Mumbai after an hour or so telling me that as I have agreed to a HF insurance policy as intimated by the bank already she is giving me the details of the policy with terms and condition. After listening for a minute I said I havent agreed to any such policy but the discussion was concerning conversion of outstanding to EMI. She was clearly surprised when I told her what was discussed and said sorry before disconnection. Next I again get a call from the aforesiad telemarketing numbers asking me what was the problem. I told them that mixing up another product with a proposal of conversion to EMI was totally wrong and amounts to misguiding and cheating. To this they again went on pleading and asking me to consider when I discontinued the conversation. Again in the evening I get another number (the last one) asking me why I am not converting to EMI. I got disgusted and complained to the HDFC credit card call centre 28564332 where the executive listened to my complaint and assured me that she will ensure no calls are made to me further on the subject matter.

Surprisingly again on 31st August I get a call from a tel no 6709 5300 repeating the same thing and also pleading and wasting my time. This time I have informed the Section in charge credit card call centre about it and made her understand the seriousness of the matter. She has assured me that she will personally look into the matter and immediately see that no calls concerning this are made.

My complaint are as follows :

1. Why a reputed institution like HDFC take recourse to misguiding the clients to sell its products.

2. Why the clients objections are not taken seriously and seen to it that no repititions are made for the matter objected to by the client.

3. Why the rampant disturbance created by tele marketing is allowed to continue even after complains are made and assured to be redressed.

4. And Perhaps Most Importantly why the credit card details are given to marketing executives all over the organisation and to franchisees when these are supposed to be of confidential nature.

Mandar Mukherjee
HDFC Credit card Holder ( [protected])

we have a credit card swipe machine ( EDC M/c) at our petrol pump (R.O) with TID No. 42000696. We are doing business of 25 - 30 lakhs with the machine. we almost require 2 paper rolls per day for the transactions to print. We have also complained many times to complaint division and also to Mr. Vijay ( [protected] ) however there is no response from them. Kindly guide what should we do as this is a petrol pump, hence the usage of the rolls...

I have applied for PF Withdrawl in Sept,2009 with HDFC Bank Ltd & not got any revert from PAD deptt of HDFC Bank Ltd till 29.08.2010, but, when I called up as usual for enquiring regarding PF withdrawl status, I got reply as "HDFC Bank Ltd has taken over the PF of CBop employees since April, 2009 & so, one month's PF has been credited to the a/c as I had left the organisation in May,2009, the other portion since April,2007 to March,2009 will be taken care off by EPF deptt & the deptt replied that they had recd the request for PF withdrawl 01.06.2010, so, it will take 4 months", Is this the way of treating your employees

Can anybody help out in getting my amount of PF?????

To,
The Manager,
Credit Card Division,
Chennai.

Sub: Closing of credit card ([protected])

SirMadam,

I would like to bring to your kind knowledge that I have been trying to close my credit card unsuccessfully since Dec-09.

I have called customer care several times and requested to close my account but every time I was told that the concerned department will contact with me as customer care is not aware of it. But no one contacted me. The SR no for your reference are ………
The amount has been accumulated more than INR 10,000. As per call centre instructions I cut my credit card much earlier and send it to Chennai office on
21-July-10 through DTDC No. P12967891 but still my account is not yet closed.

The amount is increasing by leaps and bounds for no fault of mine. I wanted to close the matter much earlier but neither the bank nor the call center is guiding me properly and I am getting calls from collection department for payments. Credit card department is calling me for collection but no one is solving the issue.

I would request to close this issue at the earliest.

Regards

Pradeep Patil
[protected]

This in regards to my credit card account balance : INR 82728.00 as on date . My card number is [protected]. This has been blocked due to non repayment of the amount since June / July as had emergency in the family and was unable to take calls also during that time.

HDFC chandivili branch executives – Mr Imran , their senior a lady – Ms Charu have been extremely rude and also inspite of explaining and pleading to them that in the next 10 days will be closing the entire amount with interest till date of closure will be paid , they withheld the money in my savings account.

When I spoke to them they out of grudge said that they will liquidate my Fixed deposit and ensure I come to roads. They would tarnish my image amongst my employed company and local people around my residential area.

Agreed that I have not paid the amount though not intentional, could I know why were the following 2 course of actions done without any intimation – just verbally :

Hold on my saving account money of Rs 28844.49- on what calculation was the entire amount held when the minimum payable was only rs 11700.00?
Liquidated my Fixed deposit linked to my account of Rs 12,000.00 – who has give the authority for the same ?

Would like to know how could the bank take such drastic steps without any written notification . If the person had no intention of repaying or had absconded, this could have been considered. In my case inspite of my request to bear with me, this course of action was done.

Now considering the amount sweeped in from my savings and fixed deposit – I stand to PAY NOTHING TO HDFC ON MY PRINCIPLE AMOUNT . HDFC may please go ahead and take back my HDFC credit card – anyways which I have not been using

With the above act it only shows not to maintain any savings with HDFC henceforth and will also request people to close salary account with HDFC

I would also need an explanation for the same and also shall ensure that this is brought to the media notice as I feel many like me would be suffering this torture.

I will await response from HDFC

Kavita

DEAR SIR,

I Girdhari lal Bajaj Working in HDFC Bank in the year May 2006 and my employee Id is CG00472 Working as Liability CSE, resigned from my job on Feb. 2008. My PF was deducted every month as per the company rule, but i don't know my PF a/c no. So now i want to withdraw my PF balance amount for my personal use. I request u to that please help me out.i already submitted PF withdrawal form in HDFC- Jaipur branch at the time of my resignation but still i have not got my PF refund till date Aug 2010. please tell me why you are not send my PF refund and still there is is no response from your side for the same please intimate to me i[censored] have any problem for the same as earliest as possible. i[censored] want further detail plz mail me or call Email id- [protected]@gmail.com/ Mobile no. [protected] address Bhagwati Bhawan, Shyam krishana Colony, Chomu- Dist-Jaipur-303702, i[censored] are not reply for the same it seems to be it all done by you internationally.

Thanking You
Girdhari Lal Bajaj
[protected]
Emp Id-CG00472

1. I had applied loan with complete documents to hdfc ltd at bhiwadi about eighty days back. Neither loan has been passed nor any information is given despite calling number of times. My contact number is [protected] and i would be greatful to hdfc bank, bhiwadi if somebody keeps me updated as to after how many months my loan will be passed ?.


Thanking you

Harish chand
Loan applied for 3bhk at krish city bhiwadi

A few years ago,i opened two SB accounts named Simranjit kaur u/g kiran bala (mother) [protected] and 2nd Rohit chumber (minor) u/g kiran bala (mother) [protected].Unfortunately without my concent your bank send me ATM cards and some other papers.Next day i approached the bank manager and returned the same to him and he assured your accounts will be run steadly and no serviace chargers or other chargers would be detected from your accounts because these accounts are minor accounts and these accounts are opened for the wellfare of the children.Till date i continuely visited the bank and give them a number of written complints and verbly requests.The bank did not consider my request,they always took my request lightly.So,the bank detected thousands of rupees from my minors accounts.This amount is saved by me for the wellfare and education for my minor children.

The behaviour of staff and manager is not good for the customers.They always ignore to the customers.They always give respect to some one only,whereas every customer is respectable.Every custmor is own his respect.At the last i request you to take it seriously,take necessary action against the mahilpur staff.Please refund my all ammount with intrest which is detected by you from continuely from last few years,so that i withdraw some ammount from these accounts for the wellfare of my children.

Hoping in early action against staff and refund of all service chargers.

sir,
good morning.on if iam exactly right about the date on 27-6-10 at around 4oo hrs hour in the evenig i went to ur collection centre at 3B2 .entry can be verified by ur register at centre.anyways i was to get information on my credit card remaining balance..i met there some female who introduced herself to be senior official of collection department made me sit in separate cabin and offered me cup of tea.she said to me that despite ur paying minimum amount due regularly u are required 2 deposit 25,ooo only immediately otherwise big penality is on cards.as i had no idea about ur banking systems,i got scared and immediately told her that i am going to get my salary on 1.7.10 and presently i have only 8,000 with me,rest i shall pay u within a week.she took the money and said as soon as u get ur salary and inform me,i shall get it collected.when i requested her for receipt she said it is our closing week and dont worry for that u can have my mobile number ,receipt shall be given to u along with remainig amount.after it contacted her many a times what she used to shout at me by saying i have got a lot of work u call me later.Igot suspicious and never went again to her despite she called me many a times.to my uttermost dissarray that payment has never been deposited in my credit card statement.REST I SHALL WRITE TO U AFTER U GUYS VERIFY this.AS IAM A PATIENT OF HYPERTENSION PLEASE DO NOT BOTHER ME MORE ON PHONE ONLY U CAN COMMUNICATE THROUGH MY MAIL [protected]@rediffmail.com

getting continous calls from[protected] for credit card.

Dear Sir,
My name is Rakesh (Name changed), I applied for a Personal loan to HDFC bank due to very urgent requirement. I work for a consultancy named as ABC (name changed) but i am deputed at my client office which is a reputed Bank o[censored]SA & this is where i got a leaflet of HDFC bank with information about personal loan & a contact number of an agent named Dhanraj. With good hope i called the agent he took my details & he said he will callback. he called me back on 4th of august. Then he asked me to speak to his manager named Ashwini. I gave my Personal & Professional details very clearly to Ashwini. I told her that i Work for such and such consultancy and placed in such and such place, My take home salary is 25,000 per month , my total work experience is 21 months my designation is Technical Support Representative .
After listening to all the details Aswini said I can apply for the loan as i am Eligible. She asked me to submit few documents to the agent.
As i get my salary on 7th of every month i informed the agent that i will be able to give the latest salary slip after 7th of August. After this conversation even after telling that i will submit the documents the agent was calling almost on every day, which i thought a good customer service at least they remember their customer & concerned about them. The agent insists me to submit the document available on 7th of august i agreed and i met him on 7th i saw his HDFC ID card & submitted the documents i had. The agent asked me to sign on the application form & few other document like Loan Insurance & .Bank statement request form etc. I had trust as i saw the Bank ID card.
12th of August i got my Salary Slip for the month of July so i called the agent asked him to come & collect it. He came to a nearby place to my home & took the document. After waiting on 13th August whole day i called him on 14th August morning to ask the application status. He said he uploaded the document so the people from verification team will come on Monday to my home. On 14th August only someone called Salma called my referrals as they took one contact number of my relative in Bangalore & one banglorian local friend’s number. As per the agent information i took a day off from my office stayed at home just attend the bank verification agents. No body turned up on 16th of August. So in the evening of 16th August i called the agent & asked whether anybody will come today or not & i got a a 1st shock there when he said few documents are pending so my file came back to them so i have to submit my graduation certificate as i have less then 3 years of work experience. When i told this to Ashwini & asked why they wants this now as she did not tell me about this in the beginning when she knew that i have less than 3 years of work experience she started giving the medicine of Bank Policy & Procedure she said its bank procedure she can not do any thing she was not ready listen my concern. Any ways on 16th August only after finishing the conversation i scanned my Graduation Certificate & send it to Ashwini putting Dhanraj in CC.So on 17th I called the agent & asked whether he got my documents he said he will check & let me know. No update till afternoon i called back the agent in the evening & asked he said he got the documents & uploaded it so he tell me the status on 18th August. 18th August evening as usual i had to call the agent due to his consistency of not updating me on time. He said he will check with his manager & will get back to me. as expected he didn’t call me nor updated me with application status. So 19th morning again i called the agent but he said he has got no update i asked to speak to his manager but Ashwini did not come on the phone someone called Sultana who claims to be the Team Lead spoke to me & informed that as i have got less than 3years of work experience the application file not getting approval. And when asked what does that mean does that mean i will not get any loan Sultana said no i will get the Loan but it will take time as she has sent my application file to the Delhi Head Office for some kind of Waver, So she will get the update on 24th of August & accordingly she will update me. As i did not have any other option i agreed to her. (This is my 1st ever attempt to get a Loan i never ever applied for any kind of Loan).On 24th August with consistency no update till afternoon i had to callback. Spoke to Sultana she said the Head office in Delhi are not working as its a Holiday Rakhsa Bandhan. Again i agreed &.When i asked when can i get any update she said on 26th August when i asked why not on 25th she said 24th is holiday for her office so she won’t be working nor her team. Again i agreed as i still had faith on them. 25th as expected no callback i called back again in the afternoon again got disappointed as she was unable to give any update straight away she said she is waiting for the update from the head office so will let me know on 26th. this line is expected so again i called back Sultana i asked her about the status she said the file is still with head office & waver has not been given yet & as its month end Sultana asked me to wait till next month that is September2010. Now already i was running thin on patience when i asked her why this is happening isnt there any proper policy in place by the Bank she said its banks policy only. When i asked on what basis she is asking me to wait till September rudely she replied that this is Bank's Policy & if i can not wait then i can go to other banks for Loan & she will drop my file. As i am in urgent need of this loan i had listen to her but after disconnecting the phone line i realized what ever is happening is not Right. They are performing a foul practice so i called HDFC customer Care team spoke to Pramod in Loan support team thanks to him that he made me understand the procedure he said that no matter what the status of the Loan Application once i submit all the documents to agent the agent has to login & upload it & i will get a reference number a message on my phone but unfortunetly i have not got any kind of Message from HDFC bank. This was really shocking for me as signed on few documents & gave to the agent not sure what he is going to with it. So thought of putting it across the HDFC higher authority team.
Sir you won’t realize how important this Loan was for me. I told my Father the same i got to know that i am eligible for applying this loan as i knew that i have every thing in place & have all the documents required by the bank & assumed that will get the Loan. To be honest now i am not able to talk to my father properly due to Shame. I am really frustrated & disappointed. I am broken completely. This was my first ever attempt to get a Loan which turned out to be a Blunder.
Sir right now i have no hope of getting a loan but what i want or rather request you is to take STRICT Action against the employees who deceived me for days and purpose fully cheated me. Who are very unprofessional don’t deserve to be in a Bank. Sir I would be very much disappointed if no action taken against these people. Please take this as my humble request. If require i will take it further but really do want these kind of people making fool out of people. Bellow i am mentioning the details about the employees who I spoke to in HDFCBank.
And one more thing I would like to mention here is that I never got a answer from any of the above mentioned persons on the first call I kept them calling many time in fact I send them messages also but no reply. For your information i called the agent only for exactly 84time to get updates. so there is 84 calls made to Dhanraj only. You can check my cell phone details. One more request i want all my documents back please if loan application has not been processed. As I am really in scared to think what could happen with those document with my signature on it.

Agent Name - Dhanraj
Contact Number - [protected]

Dhanraj Manager's Name - Aswhini
Contact Number - [protected]

Dhanraj's TL Name - Sultana
Contact Number - [protected]

Verification Agent - Salma
Contact Number - [protected]

This is about the case of how HDFC personal loan department mistreated and humilated me and ruthlessly rejected my application.

HDFC Personal Loans is one of the most pathetic form of loans offering division in the world. They have no sense of responsibility towards their customers well being. They are nothing but money hoarding, ruthless people. I applied for a personal loan from HDFC and their executive who came to my home was a mindless who, despite of having the documentation proving of my residential status rejected the case stating that I stay somewhere else. When documents provided by me include a passport that has been prepared only after the police have verified that I stay in the current location. This rejected my application as he felt I was staying at a different location.
The fact that I am undergoing a divorce and I am currently with my parents home and have been here for the last one year was asked to me a million times and I was subjected to supreme humiliation. Even after explain this situation the credit office decides to reject the loan. I am on the verge of crying and I request them to reconsider and the credit manager Ms Manisha Patil rudely answers on the phone that ‘let the applicant cry I don’t care’.

All this for an amount as meager as 4 lac ruppes. I eventually pledged my jewelry and obtained a loan of the same amount within a day from Reliance Consumer Finance. A loan which after a 15 day processing period was reject on absolutely rubbish grounds by HDFC.

After rejecting my loan the credit manager calls, to humiliate me further by asking about my divorce and then tell me my loan is rejected.

I would request that such credit officers be dealt with appropriately, who think they are Gods and can treat people in need as worthless individuals.

Regards,
Annanya Gokhale

I've courier a letter to HDFC ERGO on 11/08/2010 from Ghaziabad to Andheri, Mumbai for the cancellation of my insurance plan and when i called on their customer support, they told that they didn't receive any courier, they said for any your quick cancellation, please fax the letter again, i request you to please rectify this

Consignment No.:[protected]
Courier Name : Blazeflash

Hi,

This is vikas singh using your hdfc bank credit card from the last 2 years. I was paying my installment of credit card on time but due to some financial problem i am not able to pay due amount on time that's why I made a call in your customer care and told him about the settlement of credit card. This month I have a balance of 3800 in my debit card when I checked out it . It was deducted from from my account. yet I have inform about the settlement to your representative. still at the time I have not got the settlement amount. If the thing is going on same then I am informing you that I will not pay any financial charges or charges on my credit card amount.

So I am requesting to you please inform me about my settlement amount as soon as possible on my mail ID or mobile number. and plz send some hard copy proof like NOC of my payment on my email ID . I am very thankful to you for this.

NAME- vikas singh
credit card No, - [protected]
address- v.p.o- ghanetta. teh- palampur, distt- kangra (H.P) pin- 176060

Thanks and regards
vikas singh

sir,
my self rajkumari verma, i had taken hdfc credit card which was issued against the FD. regullarly i am making payment to the card .
now the problem is bank is regularly hassaring me over the phone for the payment and telling that i had not made any payment and deposit.
but as par the credit card statement it is shown that in the payment recieved colume that this much of the amount is recieved.
bank is telling that they do not consider the refund amount as payment recieved and saying that u have to make the payment.kindly help
thanking you

Dear Concerns,

Before availing the loan the customer care executives were pleased and they are nice. Once the loan is taken, they treat us like a dog.

Venkatraman and Sharanya in ITC Building, Chennai has misbehaved and replied rude when i have visited their office for reducing my house loan interest.

Saw the same behaviour with velachery branch as well. So be-careful while selecting this bank for loan.

Regards,
Meeran