HDFC Bank Complaints & Reviews

Dear sir/mam ;
This is with regard to my credit card #[protected]. I have been holding this card for more than 3 years. The repayment towards my card has been not good, due to some finacial problem that I had to incur of the last 12 months , I failed to make the hole payment on time but i regular pay minimum due amount with finance charge or panelty. . Today, I received a call from HDFC Customer care again (geeta from rajori branch with num of [protected]) who was utmost rude on call and demanded the payment today itself (14 jun 2010). I also told her that I will sumited the minimum abount . She did not listen and was very harsh to me. I also told her that I would be complaining to RBI if she continues to talk this way and she was least bothered about it. She said " I don't care, you could complain to anyone you wish to"and she also told me i[censored] not sumited the amount either recavery person told to u or all amount credited to your saving account ,she said your account in our company we will block your hole money (these were the exact words used by her). I'm totally taken aback by the way these people from the bank treat their customers. I would sincerely appeal to whomsoever to look into this as I'm a BP Patient and such calls really disturb my mental stability. I would not hesitate to blame the bank for any mishap that I face due to rising level in my pressure.

she also told me ur are defaulter or cheeter and when i try to call back and ask to talk whith branch manager she answer me i[censored] abele to take num so you can try ur self and cut my phone after this she not picked my call.

Please do something as I strongly feel that this is affecting my mental health. I wish to re-iterate here that most of the call center people from HDFC (collections) are not maintaining the standards ..
I want hdfc take action against geeta (rajori ) and also revert me back again this matter other wise i'll take legel action aginst hole hdfc bank , rajori branch and geeta who use abuse laguage and use wrong words to me by which i fell harrasing and it effecting my helath ......
so pls take corrective action against geeta and revert me .
I waiting for your reply....................
pankaj sharma

Dear HDFC Bank,


i have applied for the Credit Card. as per bank approved DSA HBL which is placed in Gurgaon.I got the called from there who is Mr.Manoj[protected] for the docs collection. Mr. sanjeev ([protected]) came to collect the docs and has been taken Rs 1000/- Cash from me without any receiving. I talk Gurgaon office to Mr amit juneja (Emp ID A23698) regarding this credit card processing, he has used abused language with me and lots of wrong word which has been used by mr amit juneja."He says also i will use ur docs for the wrong work and will not return you the docs same” when i requested..
Can u tell me that is it ur best services with the customer ????????/

Regards
Saini
[protected]

dear sir,
i was glad that HDFC had arranged me a two wheeler loan in reasonably short time but from the time the EMI turn came things have been changing for the worst. previously for some technical reasons the ECS mandate could not be processed and so i paid EMI by cash including the bouncing cheque charges which i was asked to pay without option. some how i got the ECS mandate cleared from the SBH bank and EMI was deducted from my account every month and i too was maintaining sufficient balance exclusively for the same. last month the bank people called me and told my cheque was not cleared for technical reasons on the part of SBH bank and asked me to pay in cash alongwith the bouncing cheque charges. i refused to pay the bouncing charges when i have already maintained more that 10,000/- balance as against my monthly EMI deduction of Rs 1790/-, for some days the bank people didnot call me and now they are again making me calls asking me to pay the EMI in cash alongwith bouncing cheque charges as the cheque could not be cleared by the bank for technical reasons. i do not understand what's in the mind of banking people do they think that money is grown on trees that we could spend as much as we need, this is hard earned money and we just cant afford paying for unnecessary mistakes of others.
please see that these type of things do not occur in the near future.

thanks...

To,
The Officer,
Insurance Ombudsman
Office of the Insurance Ombudsman,
2nd Floor, Ambica House,
Near C.U.Shah College,
5, Navyug Colony, Ashram Road,
Ahmedabad – 380014.
Dt.11.06.2010

SUB : Policy No.12661871 of HDFC

Dear Sir,

I am a salaried person drawing an annual salary of not more than Rs. 2,50,000/-. With reference to the subject policy I have received an unfair approach and a very casual decision from HDFC in lieu of which I solicit assistance from your good office.

1. In Feb.2009 I was sold the subject policy for Rs.50,000/- from Mr.Hitesh Patel (ex HDFC sales man) with a very clear understanding as per my financial capacity at that time and had agreed to a single premium policy and Mr.Hitesh sold the same by telling me that it is a single premium policy that will yield Rs. 2,50,000 after 3 years.

2. Initially I intended to invest Rs.1,00,000.00 for single premium which would be Rs,5,00,000 after three years as confirmed by Mr.Hitesh Patel.

3. Though I was busy with my work and I was forced to make a decision on that day only as according to Mr. Hitesh the plan was to change the very next day (which I think today, was not the case. It must be something related to his personal benefit) which will not give the desired benefit if not purchased on that very day.

4. Mr.Hitesh had come through some reference and unlike other agents I did not doubt his intentions and signed on the relevant blank forms produced by him in hurry.

5. Mr.Unni who accompanied him surprisingly stopped me suggesting me to invest only Rs.50,000/- instead of Rs.1,00,000.00 . Ironically I am thankful to Mr.Unni to have reduce my trouble in half. I suspect that he knew Mr.Hitesh’s plan of missale and kindly obliged me by his advice.

6. Without arguing further, as I was busy with my work, I signed a Cheque of Rs.50,000.00 from my CITI Bank - my salary account and handed over to him as a single premium and Mr. Hitesh was supposed to fill in the blank form which was signed by me. There was not enough balance in the CITI Bank, so I had requested him to wait till I transfer the required amount from my Post Office account.

7. On the next day, Mr.Hitesh said that it will be delayed if I wait till the amount to be transferred, so he insisted that instead of Citi Bank, I should give him a Post Office cheque only. So on the next day I gave him a Post Office cheque of the same amount.

8. I don’t know if mr. hitesh intentionally filled the form as ‘yearly’ premium plan, or was it a mistake made in a hurry, but one thing that I know is that I had only wanted a single premium policy. I came to know about this only after one year when the same amount bounced in my salary account with Citi Bank (even if it was to be an ECS, I wonder how did hdfc tried to fetch the amount from CITI bank instead of Post Office?), then came to know that this policy is being processed as yearly payable and not as a single premium.

9. I was confused with this as it was difficult to manage for such a big amount without any idea before and meanwhile Mr.Manish Patel of HDFC called me up as a premium due reminder whom I narrate the said story.

10. As per his advice I logged on the said complaint through an email to the Grievance Cell.

11. Meanwhile also spoke to Mr.Hitesh Patel who firstly told over telecom that he has done this false selling to fulfill the targets (according to him, Mr.Hiren Solanki, the sub agent could not reach targets that’s why it automatically becomes his [mr. hitesh’s] responsibility which I doubt that in turn of this ‘help’ he collected double commission from HDFC as well as from Mr. Hiren) and he will try his level best to arrange to refund my money back and to protect my interest.

12. Mr.Hitesh also suggested that I should give a hand written complaint to HDFC SLIC and then he will do something to take me out of this trouble.

13. I gave written complaint to HDFC SLIC and they forwarded the complaint to HO – Mumbai and after 15 days the Manager and Mr.Manish visited my house to listen to the complaint as a part of verification once again from my end. 20.05.2010

14. I received a letter on 5th June saying my complaint has not been treated as missale and hence I was left with only two options either to continue the policy by paying regular premium of Rs.50,000 + Rs.250 revival charges or the same will be refunded to me

‘after deduction of stamp duty, decrease in the value o[censored]nits and proportionate risk premium for the period on over and expense incurred on medical examination.”

I am surprised with the above arrangement also where it is not clarified what would be stamp duty amount, why only decrease in the value o[censored]nits and why not increase, and what sort of expenses on medical examination when its not done at the time of taking the policy?

I do agree that after receiving the policy on 03032009 I needed to have a look at it, but at the same time it was not done as the person came through some good reference and being this is a regular investment practice, I did not even think such missale would have taken place.

Due to the trust on the agent and my faith in HDFC, I had never imagined that such misconduct can ever occur by someone from HDFC. I demand a solution where I don’t have to bear financial loss due to the policies of HDFC. Mr. Hitesh Patel has either done this deliberately to gain more commission, or to reach his monthly target whatever the case is, I see the policies of HDFC is the reason behind this and for which I neither have to bear any financial loss nor any mental stress.

With this letter, I am also asking details, if you can get it from HDFC, of my case. I feel it necessary to know what target and commission mr. patel achieved out of the policy sold to me and I am sure there is either a lucrative commission or a sizeable loss of income to Mr. Patel involved here for which the sales policies of HDFC is responsible.

In my own interest as well as in public interest, I feel responsible to get to the root of this matter. Through some sources I get information which I am not sure if they are right, but the agent like Mr. Hitesh gets as much more commission on selling a yearly premium policy and on single premium policies, this amount is very less. I think it’s my right to know the truth and if I find any truth in it I feel even more cheated that my hard-earned money is distributed like a birthday cake.

More than that, the three conveniently inserted reasons for decrease of the value are the most surprising elements for me today even if I withdraw or ask for refund within the 15 days free-look period , i.e. Stamp duty, Medical examination and ‘decrease’ of the unit price. What is the exact amount of the stamp duty HDFC is not mentioning. Medical Exam – there has never been any examination – neither for this policy, nor for any other policies from HDFC that I have taken in the past. The most amusing clause describes only the ‘decrease’ in value, I wonder why appreciation cannot be taken into account in such cases. In the light of the things narrated above, this clearly becomes a one-sided agreement.

By inserting such wordings into the policy and letter HDFC harms public interest who put trust into them and invest the money once, - its either gone or decrease whenever they trap with such missale by their agent. I also wish to know do they have any rule guide or disciplinary action policy against their agent who do such missale.

Also it is said if I did not contact them for cancellation within free look period of 15 days now they are unable to process any refund of premium towards this policy, I solicit for my money where I have put trust on the agent and faith on brand HDFC gives such a negative reply of not refunding back my own money !!!

I have never come across any ombudsman so far, so I don’t know how much you’ll be able to get HDFC to give me a fair treatment as the documents don’t reveal the matters behind the scene.

Thanking you.



[Ami Desai]

Sir,

I am Praful Kumar. customer of HDFC bank, Credit card Numer: [protected] (Old Credit Card Number)
used HDFC Credit Card, I blocked over mentioned card in July 2009. I made all pending payment in july 2009 itself.
I re-apply for the new card in September 2009 last week. Still I didn't get the Credit Card but HDFC is sending me Credit Card bill since November 2009 (In august 2009 bill due amount was zero but after two months latter they sends fresh deduction bill but credit Card was not sent to me). I mailed many times to HDFC customer service but I never get any positive response. They told HDFC Ergo premium is activated on that card. If I didn't get the credit card yet then how can they activated this service? HDFC bank never answered.

They leaked my personal information to other service provider which is unethical.

I am complaining since November 2009 but HDFC didn't said that how can HDFC Ergo knows my Credit Card Number which is still undelivered to me.

The following is the email sent by me to the Grievance Cell at HDFC.:
________________________________________________________________________________...⇄

Dear Sir/Mam,

I, Lovina Chandnani, am a credit card holder with your bank since the year 2005. I was given this card enrolment form by one of your representatives who was distributing and enrolling people, right outside my office building at that...

after saveral time requested to your branch office at bardhaman regarding the bank account statement(for hard copy) till date they are fail to give the minimum requirement service to me .Previously i'm opted through e-mail,but i've some problem through e-mail due to so i'm cancel the e-mail option.
So i would like to expect some solution from your end regarding this problem.

my corresponding adress:
SUKHENDU BAL (AC-[protected])
SO MR. S.C BAL
5no ICHLABAD
PO-SHREE PALLY
DIST-BARDHAMAN.
PIN-713103

Dear Sir/Mam



I have been using my woman credit card since 2008 and making monthly payments regularly since then.

This complaint is in regard with the repeatedly mentally harassing calls being made by various HDFC executive since April 2010.

Due to my weakened financial status I could not make the payment in the month of April 2010, on which I started getting multiple calls from Mr. Rohit, HDFC executive, Rajouri Garden, New Delhi from this number[protected]. I cleared him of my financially weak status but he rather started mentally harassing me through innumerable calls in a day. In fact, Mr. Rohit used brash and crude tone while calling. Mr. Rohit called up at my home and used inappropriate language with my mother. Mr. Rohit also called at my neighbour's place and used offensive language. Mr. Rohit also started calling at my office. He made sure that he can make my life hell and anytime can seize my bank accounts. I requested and pleaded to for the resolution and also asked for the statement of my principal amount usage. But he kept me in lurch. On earnestly pleading, he asked me to pay 1400 INR by end of April 2010 and promised to revert with resolution by mid May 2010.
But he never reverted to me. In fact when I called backed on the number, he was not available for talks.
I have been misguided thoroughly.
Here I would like to emphasise that I put up with my mother Uttar Pradesh, who is ailing, and my father puts up in Maharashtra for his services. Its been mentally torturing to go through such an experience where your bank executive didn't even spare my mother, neighbours, office people including me through this verbal diatribe.

Henceforth I have tried calling bank executive for the progress of resolution in my credit card case. But there was no attendees to listen.

With June 2010, I started getting calls from Mr. Rahul Sharma (Nos:[protected],[protected] from Rajouri Garden, New Delhi branch . I reiterated and re-explained my whole situation. On that Mr. Rahul Sharma said that I have been misguided by the earlier executive. He just wanted to pull out his target and which I foolishly completed.
Mr. Rahul Sharma was also not coming to any resolution though I explained my financial distress. He in fact said he will make my life hell and the results will be seen in just one month.
Mr. Rahul Sharma called me endlessly in a day and also kept calling at my office. Though I informed that I am on a site job. Mr. Rahul Sharma made innumerable mentally harassing calls to my office also. His tone of communication was very harsh and rude, almost offensive. Mr. Rahul Sharma called every possible colleagues at my office as on Monday, 07 Jun 10. Mr. Rahul Sharma threatened me like anything. It was put me through lot of mental harassment. It made my health and work both suffer. Mr. Rahul Sharma also put other uninformed people on muted conference while he called me in order to mutilate me and put my private and financial matters in light of others.
It's been thoroughly distressing and a complete mental torture. I pleaded a lot but he kept saying you can not be provided with any help. At last he gave me an option of paying 1500 INR on basis of which bank will forward request to their main branch at Chennai and my case will be settled down. He said I will receive a letter from Chennai by 13-14 May 2010. Mr. Rahul Sharma put me on conference with Ms. Anushkha, saying she is the senior person who forwards the final mail. I kept asking them for assurance and resolution which they confirmed will be done on receipt of payment of 1500 INR.
He gave me this number for any further query:[protected], saying it his direct number.
I made a cash payment of 1500 INR to a bank executive for which I have retained the receipt also.
Meanwhile I got to talk to Mr. Nishant from HDFC Bank, Rajouri Garden branch to cross-check with the status of my request. He also confirmed that I will receive a letter of settlement from Chennai branch.
I also tried to call on[protected] but nobody answered the call to my vain.
As on 12 Jun 2010, I got a call from bank executive Ms. Rekha putting me through the same situation. She said that you have been misguided since there is no update of my settlement request in their database.
I am in complete lurch and it is just building my and my mother's mental stress gradually.
I have called up at the number given by Mr. Rahul Sharma:[protected] but again non-answerable. Later when the call was answered, a guy firstly mimicked a recorded voice and on my asking for Mr. Rahul Sharma persistently put him onlinle. Mr. Rahul Sharma denied to say help out.
I called up then Mr. Vishal (+91-[protected]) and explained by distressed condition and asked for complaint ids. He disconnected the call saying that he will call back in 5 mins but he never. And when I called him back, his number was switched off.

I am again afraid of being cheated and getting offensive calls from HDFC bank executive all again.

This mental trauma is putting me nowhere but to a more debilitated condition where all of your bank executives are turning to be hostile.

I am expecting for a positive response asap and expect not to receive such offensive and harsh calls from HDFC bank executives in future.


I am planning to visit HDFC Bank, Rajouri Garden, New Delhii and hereby assert that if any mis-happening occurs to me physically or mentally, it will owe to this credit card and the bank executive. As I am being threatened and intimidated endlessly which has left me in apprehensions and fears at every step.

Please help me out in this situation because I and my mother put up alone at home which is highly distressing and mentally torturing.

Need advice asap.

Help!

Dear sir
I am Naresh Onkare from Indore. i am not credit card holder, My younger brother hdfc credit card holder since last 3 years. this time is not live among with family, hdfc bank loan issue to him against credit card No[protected] amount in figures-2.25 lacs.
this time our family is clemently disturbed by hdfc bank branch Bombay hospital, Indore & bank authorize recovery agencies are harassment our family.
pls sir , what we do ?

SIR AAJ 20 DAYS HO GAI. GOLD LOAN APPLY KARE HUA. HDFC BANK LAJPAT NAGER MORADABAD.BRANCH MANEGER WA INDRAPURAM BRANCH KE MR BHARAT AUR MUMBAI SE BARABER MOBILE PER BAAT HORAHI HAI.SAB LOG KEHTE HAIN LOAN MANZOOR HAI.LAKIN AB KOI BAAT NAHI KAR RAHA HAI. AKHIR KIYUN.KIYA GOLD LOAN PASS KARNE KE LIA KISI KO GHOOS CHHIA.

MORADABAD BRANCH MANEGER LIKHIT ROOP ME INKAR KARNE SE MANA KARTE HAIN.AKHIR KIYUN.
BRANCH MANEGER NE 20 DAYS AKHIR KIYUN KHARAB KARE
MOHD AHMAD
[protected]

Sir,
My home loan account number is 91144253.....Given pre signed postdated EMI cheques and one cheque came to my account around May 25th, 2010 for amount Rs. 65000 approx.....HDFC Bank deposited another cheque on 6th June 2010 with hardly a difference of 10 days for amount Rs. 73000...obviously that got returned...and without our knowledge HDFC Bank deposited another chequen of Rs. 24000apprx swipping off full balance from my account. Is this practice correct?? When one cheque of EMI is retured there was no intimation to us and further to that bank swipes of entire banlance to last rupee from my account without my knowledge? Is this ethical? Is this legal to withdraw any amount of money if EMI cheque is returned?? Please guide or help me to educate me with right proceduce or code of conduct.

My Self Rakesh S/o Shri Dharam Pal
My Complaints is against HDFC Bank, bring to kind notice that i have already a saving bank account with Indian Bank & Punjab National Bank which is a nationalised bank under RBI act and i applied in HDFC Bank for Account but their respective personal refuse to open my account & says that under the RBI act we are unable to open your account, according to their reason i m just ask to HDFC bank if RBI define this rule why INDIAN Bank & Punjab National Bank Open my Account they also refuse to open my account but they do not refuse and open my account & same account i holding since last 2 years.

I am Devi Prasad Mahanty. My HDFC credit card number is xxxx xxxx xxxx 7819. I am using only one HDFC card since 2005 and in between it was upgraded to Platinum card.

I had complained (compliant number [protected]) to HDFC card customer care that my name has been wrongly given to CIBIL for using your credit card and it was mentioned three times in the CIBIL report. In one instance it was mentioned that High credit amount is Rupees 64,02,300 and Current Balance is Rupees 11,56,156. My credit card limit is 1.5 lacs rupees.

Now I have received a new CIBIL statement as a reply from HDFC bank in which my names are still there and you have added another false report that one two wheeler loan is outstanding Rupees 29,495/- taken from this credit card. No credit card gives two wheeler loan and also I have not taken any two wheeler loan from HDFC bank.

I don’t understand that instead of clearing my name form the CIBIL, why are you adding another false report.

Hope you will improve your service and clear all my four names from the CIBIL for the HDFC credit card.

Loan File No:[protected]

Sub: timely disbursement of loan

I have given power to my mother for loan since I will be travelling to abroad often.

I submitted all the documents to my executive Mr. Srinivas by 12th April 2010.
Processing fee was deducted from my account on 27th April.
I got loan approval letter on 6th May.

But the loan is not disbursed so far.

I have applied a loan and got it sanctioned and completed roof construction also.
But still your bank is sitting on my file without disbursing my loan.

1. I called customer care on 17th May, 2010. I asked for sending personnel for site inspection but got reply that they can send only personnel on 21st May. But nobody visited site till date.

But later suddenly I got a call from bank on 28th May that they can release only INR 1 lakh only at this time and will release 5 lakh within one week.
My mother made a call to Mr.Srinivas just before starting from my home on 29th May and was informed that the cheque is ready, but when she reached the bank it was informed that the cheque is still not ready. Being a aged women she had to return to home without the cheque being released.
Finally my mother had to go to the bank again on 31st May for collecting the cheque of INR 1 lakh
Is this the professional behavior of bank representatives? Treating an aged woman so badly, cant the HDFC representatives communicate properly.
I don’t know the reason for releasing such a meager amount for home loan, after the construction has reached up lintel at that time.

2. I called your customer care on 4th June 7, 2010 the status was ‘Site was inspected on 28th May 2010’ and informed that no report has been submitted. When the Customer care executive tried to connect phone to Mr. Sarangarajan (Technical inspection head) I got a reply that he was not able to attend call.
Actually nobody visited my house on 28th May 2010, since construction is going on and my parents are in my home all the time, may be the representative would have viewed my house from outside.

3. I called customer care on 7th June, the status was ‘report will be submitted today’.

We completed the roof construction by borrowing funds from my friend.
The basic necessity of home loan didn’t get served for me, because of the lethargic attitude and I had to borrow money from others.

The reply I got from Sarangarajan (through Customer care) was I should contact My excecutive Mr. Srinivas. I am in constant touch with him I don’t need to be reminded about that. He was not able to give a proper reply about the disbursement status, I have already written a mail in this regard. The reply he gave yesterday was ‘he has spoken with bank officials and don’t know why the technical report is not submitted so far and he can’t take any further action’. If that is the reply I get from him, no point in talking with him further.

4. They don’t have the habit of replying cutomer mails as well. I am in constant touch with bank through mail and phone but no reply even once and no body is willing to talk in phone as well.


I feel HDFC is ill treating a customer by making them to follow for a loan for almost 1 and half months and your representatives not willing to talk or even respond to mails.

5. Another important issue your representative Mr. Srinivas was constantly telling to my mother that the inspection people are expecting money for giving report. Are they running a professional bank or bunch of thieves sitting there to grab money from customer?
He only used to ask this to my mother, when I asked to him in phone didn’t say this to me initially, but later since I got the information from my mother I asked him are you expecting bribe, he started blabbering and said some of the people in technical inspection are expecting money.
As per my judgement Mr. Srinivas seems to be a new person to bank and being used as a mouthpiece to somebody else.

As on date my loan is still not disbursed and I am planning to file a case against HDFC.

Hi,

This is Suman Roy an HDFC CREDIT CARD HOLDER, i have been looted by HDFC collections department for almost a year. Last month i cleared all my dues related to my credit card settlement amount. And i was promised by Ms. Harleen Kaur (Mob no [protected]) that on receipt of my last payment of Rs/- 2200 which was last month because of certain late fees to cover my settlement amount which i did and i was told by this lady called Harleen kaur that i will recieve my No dues statement by starting of June and she said there will not be any calls from now onwards from the collection department , However the irony is that even after completing my credit dard dues, Today i received a call from HDFC Collections department from SWATI Land Line No.[protected] saying that they need to collect my credit card payment. I said to her that Harleen had said that there aren't any dues now and i was supposed to receive a NO Dues stattement and if i could speak to Harleen in regards to that to which she replied that Harleen is not there. Then i decidecd to speak to Harleen on her No ([protected]) she picked up the phone and when i asked her about my NO DUES STATEMENT she suddenly dropped the call and from then onward she is not picking up my calls at all. Now SWATI will call me around 4 pm again.

I am really very depressed because of this after paying so much of money i feel like i am being looted by HDFC collection goons.And for sure i am not going to pay any further amount to them.

I kindly request the concerned person to look after my query as soon as possible.
Looking for a hearing.

Thanks & Regards
Suman Roy
[protected]

I am an A/c holder of the above bank and was issued a Gold Debit Card by them in which they offered a cash back of Rs1/- for every Rs.100/- spent. On accumalation of 250 reward points they were supposed to credit my A/c a sum of Rs.250.

Recently on verifying my A/c statements I found that the points accumulated were exceeding 250 points and still no credit was made to my A/c. I wrote to them and they replied and washed their hands off saying that the points accumulated are in 2 different cards hence the cash back cannot be given.

The facts are as follows:- Due to difficulties in operating my A/c I requested them to transfer my A/c to a branch nearest to my place of residence for which they obliged and promptly issued me a new card. At no point of time they imformed me that I will loose the points. I dont understand the logic applied by them when they say 2 cards. All my details and status with the bank remain the same like Cust ID, Preffered status etc and only my A/c No.and Branch has changed. Even in their credit cards they transfer the points accumulated to the new card issued but only in this case they are saying it cannot be transferred.

Since I am not getting a proper resolution to my grevience I am writing to you. Pl look into and oblige.
Pl inform me if you require any more details.

P.A.Sebastian
A/c.No. New-[protected] Old-[protected]
Card No. New-[protected] Old-[protected]

I have been using an hdfc credit card.I always receive my bills after the due date of payment and is always charged late fees thereafter. When I called them up to complain they gave the following excuses:

1) "We have the wrong address" : If so then how come the bills are sent late???
2) "You know your billing cycle ends on 14th.. you're supposed to call us up and check"
3) "We use...

I have applied for a credit card in the third week of May 2010. I have received multiple verfication calls to both office and home. One of their executives came down to meet me personally at my office and home as well. In the last call I received ( to office ), I was asked to mention the preferred location ( home/office ) for delivery of credit card. However, I didnot receive the card. I called up the credit card customer care ( hyd ) on June 5th 2010 and came to know that my card processing was put on hold as I was unreachable through my office contact number. Also, most of the executives who called me were out of sync with the information already provided to them. Please look into the issue and do the needful.

It will be really helpful to know the correct procedure ( if any ) and the number of calls an executive should make while offering a credit card to any of their customers.

This is with reference to credit card payments of HDFC bank, i m suffering from very bad service of HDFC card from over 3 years now, recent issue is as follows

With reference to my earlier e-mail and subsequent conversations I had HDFC Credit Card officials, I have not done any transaction in my credit card. Whatever transactions are there those transactions took place at New Delhi and the same day I was communicated to concerned officials by e-mail from netbanking and over phone. As soon as I came to know about those transactions I requested HDFC card Division to block my card immediately. I'm not responsible for unknown transactions what they have asked me to pay. When I complained to the concerned they have not done anything and now they are asking me to pay after 6 months. There is no action from their side on unknown transactions.After sometime later the bank officials Mr. Shaym, Credit Cards Manager, Hyderabad told me to pay Rs. 12k as full and final settlement. As per his words I instructed my people to pay Rs. 12k and they have paid the amount immediately. Now I'm receiving e-mails to pay Rs. 24k around. I've not done any transactions after my card misuse at New Delhi. After I paid full and final settlement amount Rs. 1k as instructed by Mr. Shyam, again HDFC bank credit card dept. asking me to pay 24k. After telecons and subsequent discussions with Mr. Shyam I paid the amount what I've incurred on the card. Why should I pay for unknown transactions, after I complained to the concerned officials by e-mail from netbanking and over phone. And now they are holding my funds in my account No. [protected]. Why their people are holding my funds in my account. Am I responsible for unknown transactions after making proper complaints and making payment of Rs. 12k?

As per telecom with bank i was promised NOC of CIBIL on receipt of which i was to make balance payment, after making payment Rs. 12k so far i've not received my NOC of CIBIL. Due to series of wrong promises over phone and they are not giving me any thing in writing i had ask them to give me a letter on HDFC letter head duly signed and sealed by authorised officer stating my final payout and also promising me to grant me CIBIL NOC.

On top of all now they have stared call my residence in spite of they have my cell number with them, and they are talking to me, my friends and parents in very abusing and un-professional manner.

The statements always have faults and simply penalized the customer after settling the account. They don't bother the complaints. The only solution is to approach honorable courts?

Note: I am requesting it last time. After that I am forced move to court. Please arrange someone immediately and resolve my querry.
For further contact please contact me at my cell number mentioned below.

As per RBI guideline for credit card w.e.f 1st August 2009 you must have additional password for on-line transaction which is not visible on the card.
Since I stopped use for on-line transaction so I did not registered my card for additional password/ net secure.
" Your card is not registered for Secure Pay" This is confirmed by customer care through mail.
When My card was not registered for on line transaction how do the bank authorised the transactions??

Thanks & Regards,
Venu Gopal Reddy Y
Cell: [protected]

“P Please consider your environmental responsibility before printing this e-mail.”

I have taken a loan of 6 lakhs from centurion bank at an interest of 13 % as per the following conditions.

1) The EMI would be 13691 for 60 months
2) I could close the loan at any time without the preclosure penalti after 6 EMI's( this was the reason I took the loan)

I'm now in usa and I have paid 41 EMI's( Its taken from my hdfc account as ECS) and I would like to close the loan. when I requested a closure statement from HDFC, it is saying a total diffrent scenario.

HDFC claiming that..
My loan amount is 6.12 Lakhs( I got only 6 Lakhs)
Outstanding -2.54 Lakhs
preclosure fee is 4% of outstanding balance,
893- late payment( I never missed an emi)
interst on the date till closing- 972

So total amount is exceeding the amount I pay the future 19 EMI's. The interest/ principal chart they have given me also is diffrent.
when ever I write a complaint, they ask for 7 working days time to replay.. sofar 2 months is over. they dont send me the documents also because i'm in USA. Itried to reach their manager..no use.
So as per my experiance the bank9s) will be very sweet till your loan approve..after that they will kill us..they dont keep their promises..I cant fight for that from here.There is no point of sending emails..