HDFC Bank Complaints & Reviews

Hi

I am sanjay and I am your policy holder of your company my Policy No is[protected]. I m facing big problem of your management, Mr. Santosh Kumar Sharma is your employ of your company working in Sec 63 Noida Branch with team manager his living in Laxmi nagar this persion which is open my policy of your company, this person is very stupid and , Is bevkuf ne mera policy open karva tha. Pahle mere a/c se payment hota tha lekin isme faltu ke ECS ke paise katne lagte to maine ise bund karva diya or by cash payment karvane laga lekin yeh banda hamesha grace period me hi aata or paise le jata aaj tak isne koi bhi silip nahi di or ab alam aisa hai ki may-10 ka payment karne ke bad bhi meri policy laps ho gaya hai. Is bande ko das bar bola ki ghir pea a ke paise le jai or yeh gadha kabhi bhi ghir per nahi aata or ise phone karo to phone bhi nahi udhata is bande ne mere lakho rupe policy me laga rakhe phir itna ganda response deta hai ,yeh banda company ko to dhokha de hi raha sala policy holder ko bhi dhokhe me rakh raha hai. Is bande ko aap log company me kaise rakh lete hai agar apka team manager aise hoga to apke employ kase honge. Ase bande logo or apni company ko to dhokha de hi rahe or sath me company ke goodwill bhi kam ker rahe. Agar apne jaldi hi iske khilaf koi karvahi nahi ki to mai to apni policy to band karvunghi sath me consumer court mai bhi complain karunga or apne janne wale her logo ko bulunga ki is company me paise invest mat karo. Ishe apka hi nukshan hoga. Pls meri help kijiye or mujhe jaldi iska koi reply kijiye.

Thanks
Sanjay
Mobile No -[protected]

Salary issue

To,
The HDFC BANK LTD.
Human Resources Division
HDFC Bank House, 2nd Floor,
Senapati Bapat Marg,
Lower Parel, Mumbai 400013

Sub: Prayer For Realising My Salary From April 1 to 22nd April and Incentive for the month of March and April Month incentive not yet received

Respected,

Sir, I am Karthikeyan Subramaniam Bearing Employee Code: 71310 Was an Employee in Your HDFC Bank Ltd Porur Branch as a CONTRACT SALES EXECUTIVE.

Department : GOLD LOAN OPERATION DEPARTMENT

Sir, I Have Still not Able to get my Salary for the period of above Mentioned date that is from April 1st to April 22nd Still Not yet Received Sir

Sir, My Basic Salary Was Rs-3500 & Rs-2500 a Conveyance Allowance and Total of Rs-6000/- per month. Plus incentive also not yet received.

Sir, You can check my total business given to HDFC Bank Ltd during this term of period. Some A/C not login in my employee code. – Porur branch Gold Loan Operation Department

Sir, I have enclosed a copy of my offer letter along with this mail. Sir, I Request you to Please Reliase my salary. And PF Also release Sir.

Your Kind consideration is awaited by me.

Sir Still I am not receives my Salary Slip also. Please send it my Mail Id.

Please solve the My problem. Please credit my account number also given below sir.,

Your Faithfully
Karthikeyan Subramanian
Employee code: 71310
Date of Joining : 6th October 2009
PORUR CHENNAI TAMILNADU
Mob[protected] FL:[protected]
Mail Id: [protected]@gmail.com

Bank Account Details :

HDFC Bank Account Number : [protected]
Customer ID : 33885920
Account Branch : PORUR
A/C Open Date : 24/10/2009

my self Mr.rajshekhar having a salary a/c with hdfc bank but i didn't received any statement from hdfc bank since the a/c is opened by our company.
The co.details bajajallianz general insurance co.ltd
so.kindly do the needful

Sir,

I am lodging the complaint through this forum about the telephonic harassment by HDFC. I had received severals call from one of HDFC telecaller and behaving very badly and forcing me to pay huge amt of money which I never invested on the card as I have asked them to get my card settled but they are forcing me to pay total amt which I have never invested and also they are threatning my family members for which my father of 75 years of age got ill. so request you to please take stern action on the concerned people.

I have already intimated HDFC Higher authority regarding the issue but no feedback ha been received from them.

I therefore request the grievances cell of RBI to please look into the matter urgently to stop this harassment by HDFC Bank.

My Credit Card No is [protected]

Thanks & Regards,
Debankar Biswas

I am Santosh Mamgain working with airtel , one of my friend using HDFC Bank credit card [protected] , he is having some problem in payment, i don't know whats the issue, but yesterday my mother recieved the call from [protected] to my Ph [protected] and the person called using the abusing language. also given the timeline to make payment with in 24 hrs else would be any thing happen with me.

I have taken loan to buy two wheeler having RC No.PB 03 P 2266, from centurian Bank of BATHINDA branch on[protected]. First Check of EMI of Rs 1008-00 was debited from accont no.[protected] of ICICI Bathinda Branch.Then continue for 8-9 EMIs. Then I foreclose my acount after depositing outstanding amount. I have not received NOC for said vehicle yet.Now I forget My loan a/c No.I contacted to your Bathinda branch. He said, Go to our NOC department at Ludhiana branch. But
I cannot come to LUDHIANA for this small work.Please enquire about it send NOC at following Address.
I shall be thankfull to you
JAGSIR SINGH
#19957-A, St. No. 5
Jujhar Singh Nagar
Bathinda Punjab 151 001 , Mobile No.[protected]

HDFC bank as provided the worst services which can be offereed i have not recieved any updates and they dont even think of responding back to any of my queries .

I have reached out several times to there team to provide me with the details of there manager which again is never provided
________________________________________________________________
Hi All -

I am unhappy with the way the following loan application was treated.
I was told i will have my cheque being disperesed on Saturday 19th
June 2010. Based on the same i had paid the rest of the money to the
showroom. I have been sending messages to the following number and i
have not recieved any +[protected] and no call backs since Friday
18th June 2010.

I was also provided this local bangalore number and was told please
contact if you need help,.[protected] and no one respons on the
following number and even if they pick the call they state the person
responsible is not available.

I am currently in midst of confusion if i need to continue with this
loan process or ask my Automobile show room to take it forward for me.
but the kind of service and expectattion which was sent was really
bad and would not want any one to go through this kind of behaviours
from the hands of your team.

I was one of the strong advocates of your bank and would always
recoomend HDFC but from here on my perception is completely shaken.

Thanks,
Prashanth

DEAR SIR/MADAM,

I WAS USING HDFC CREDIT CARD ([protected]) AND HAVE DONE SETTLEMENT WITH HDFC CRAD DEPARTMENT , BUT STILL MY NAME I SREFLECTING IN CIBIL , WHERE UN IT WAS CONFIRMED TO ME THAT MY NAME WOULD NOT REFLECT IN CIBIL, EVEN THEY NOT GIVEN ME THE SETTLEMENT LETTER

I AM CONTINOUSLY FOLLOWING THIS WITH HDFC CUSTOMER CARE AND THROUGHMAIL BUT NO ONE HAS YET REPLIED TO ME

Dear sir,
May I know why should a bank takes a precloser charges of personnal loan
I am taking some money as a loan.I am paying it back to the bank as promised loan amount.
If I am paying upfront it is better that the bank got it's amount earlier and out from liabilities
When ever person is taking a personnal he is already screwed up so he is taking this last option of personnal loan
When his finance is stabilized and he want to come out of all the debpts bank won't let them come out this scraping high intrested personnal
I strongly believe that it is place we are still lacking and saying it's ok 4% or 5% pre closer charges
I just worked out it comes to half of your last installments pending means if I have 21 installments pending if I close the loan it comes to 10 installments
this is how even we come out of financial crisis but banks won't let us come out of the financial crisis
great No.1 banks
thanks to the RBI's overlooking these individual policies made by the banks
Pradeep Reddy,Ahmedabad

I HAVE HDFC SALARY SAVINGS ACCOUNT WITH THE BANK. I AM USING HDFC BANK'S NETBANKING. THE PROBLEM IS THAT AFTER COMLETION OF MY FIRST ONLINE TRANSACTION,THE SYSTEM REFUSES TO TAKE MY IPIN PASSWORD WHEN I TRY TO LOGIN AGAIN. IT GIVES FIVE CONSECUTIVE ATTEMPTS TO LOGIN AND IT ONE FAILS TO DO SO ,THE ACCOUNT GETS BLOCKED FOR 1 OR 2 DAYS. THEREFORE IT UNABLES ONE TO DO ONLINE TRANSACTIONS WITH THE BANK WHICH IS NECESSARY FOR ONE WHO CANNOT GO TO THE BRANCH EVERYDAY TO DO TRANSACTIONS. EACH AND EVERY TIME I HAVE TO GENERATE A NEW PASSWORD AND DO THE TRANSACTIONS AND IF I LOG OUT WITH MY ACCOUNT,I CANNOT LOGIN WITH THE SAME PASSWORD AGAIN AND MY ACCOUNT GETS BLOCKED FOR FEW DAYS ,IF I FAIL TO LOG IN FOR THE FIRST FIVE TIMES.

REGARDS

IPSITA BHOWMIK.

MY ACCOUNT NO IS - [protected]

CUSTOMER ID IS[protected]

I HAVE MY ACCOUNT WITH THE
STEPHEN HOUSE BRANCH,
4. B.B.D BAG,DALHOUSIE.
KOLKATA- 01.

Dear Sir,

Last week, I received a written communication on my permanent address, from HDFC bank, that a payment of Rs12,350/- due on the credit card no. [protected] has to be paid off immediately or I have to face legal action.

This is shocking to know that the last transaction of payment made was in 2004 for Rs 15,000 as the final settlement of all due and the card was blocked/inactive after that.

No communication by phone or writing has been made by HDFC bank regarding the outstanding payment from 2004 onwards.

Two months back an agency called up, on behalf of HDFC back and threatened to take me to the court of law, if I don't settle the due of Rs 12,350 immediately.

Call was made on my residential phone no. which was responded by my mother and my cell no. was provided for immediate contact.

I requested for the break of payment due in terms of principal amount and interest amount. This information hasn't been provided to me till date.

I was told by the agency to pay off Rs 2000 and settle all due against the outstanding of Rs 12,350.

I as a genuine customer, is willing to settle all due if pending, provided there is any principal amount due.

Since there hasn't been any communication received from HDFC bank, 2004 onwards, therefore I will not settle any interest/penalty levied.

I need to have a proof of all communication send to me at my registered address, registered email ID with HDFC bank if the penalty is to be considered as payable.

This is a harassment by HDFC back of a genuine customer who has settled all dues in 2004 itself.

I will file a harassment case against HDFC bank if the case is not resolved ASAP.

Regards,
Himalendu Bose
D 669 Ground Floor Chittaranjan Park
New Delhi -19
Cell No. [protected]
Present address:
5/1 Ranjit road Kotturpuram
Chennai
Tamil Naidu

with reference above sub.I Submit my pf form to BANDRA office on dt.24th may.2010 My Company code is MH/45327 and my PF a/c no.80510.but after inquiry on dt.03.06.2010 to till dt.18.06.2010 they do not receive my pf form I have also acknowledgement of Bandra office and I also send it through post and via e-mail but till date i didn't get any answer pls help me reg. this matter

I have been using HDFC Services(Salary, Demat, Credit card, and personal loan) from past 3 years. And with the kind of trouble they have given to me with credit card service, they cannot expect me to continue with any of the HDFC services in future.

I have explained my scenario to around 25+ people in HDFC(Bangalore, Chennai, Hyderabad, and mumbai), just to make sure if I can get in touch with any person who can give me better service then explaining me about rules book of HDFC. Whoever spoke with me was a person who wanted me to follow the rules of HDFC, or someone who was as ignorant as myself. I have been talking to so many people, with initiative from my end or from there end. Only to come to a conclusion that bank is always right and I am wrong.

When my card gets stolen, someone else makes purchases on it. How can they expect me to make the payment on time, I do expect some kind of investigation to be happened(I hope we have more to do in Investigation apart from calculating the number of days delayed in reporting loss of card). When they say they have completed there investigation after 3 months, and make me liable for the disputed amount. It's totally atrocious on there end to charge late payment, interest charges for this duration and directly debit amount from my salary account (Though they have rule to do that, and my stupidity of not reading it).

I do understand as a bank which serves millions of customers it will be difficult to put itself into the shoes of each customer. My intention is to understand how receptive HDFC is towards it customer, whether there is someone out there. Who can not only understand the problems customers are facing, but can also make decisions in providing better service.

HDFC can treat this mail as a rant, and need not bother about replying to me. As loosing one customer will not be a big deal to bank. And in my case, I do have other banks to deal with. My whole point in making this futile effort is to see how open a bank can be in providing services to it's customer.

I can explain my scenario to all the people in HDFC who are interested in listening customer pain points, and willing to improve the service provided from HDFC. And would request all those people who have only rules to be shared to keep away from me, as I have no interest to join as an employee in your legal or collection department, nor am I interested in using your services.

Regards,
Bhanu

As per our discussion with Mrs. this Tel no. 45501813 on date 06 may, you required two- three days more for investigation this case from my side ,I will give you two - three days but on eigth't day pl. reply me positively and the same Rs.14927.68
=(14527.68 +200+200) Unhold of funds on my saving bank account .



Shiv Kumar/Delhi/IN/E/Whirlpool
05/04/2008 09:35 PM

To
"HDFC Bank Credit Cards Support" <customerservices.[protected]@hdfcbank.com>
cc
[protected]@hdfcbank.com
Subject
Unhold of funds on my saving account no.[protected]Link





Dear Rajeswari Jayasekar,

Thanks for replying to my mail at least in HDFC somebody is there who replies after reminders.

I am appraising the facts through which i have gone through.
I have lost my Credit Card whose details are mentioned below on 17/05/05.
Immediately i have appraised the same to your call centre. You must be having the recording conversation with you, i request you to kindly go through the same and you yourself will come through the facts as you may not believe what i would say(as this time when you are viewing me you must be viewing as a defaulter).
Being a normal customer(Not working in any credit card division) how i would come to know that i have to also logged an FIR. Did any body informed me from your Support Centre(Understand what is meant by support) that i have to do the same.
After that on 20/06/05 one of your representative came to my residence in the name of Mr.Manish Arora Mobile No-[protected] and told me to pay Rs.200/= as a card closure fee. This was given to him vide receipt no F862022 dt 20/06/05 after making the confirmation on phone with Miss.Aparna on Tel no 51411660 that you make the payment of 200rs and give a letter in writing only after that we will get the same cancelled and you would be not liable for any dues. What you have to say on this ????????

I would request to release my payment what has been holded by you in my saving account & also pay for the damages what has been occurred because of this.


To [protected]@hdfcbank.com
cc [protected]@hdfcbank.com., [protected]@hdfcbank.com, [protected]@hdfcbank.com
Subject Wrong withdrawal in Saving ac no.[protected], Return Rs.10,039.68 in same account

Dated : 04/24/2008 01:11 AM

I had credit card no. [protected] of your bank. I also have a saving a/c[protected] in your Greater Kailash at Delhi Branch. I requested you in the last letter that the transaction of above Rs 18000/- has not done by me . More over i had already intimated your bank / your customer care cell immediately after the lost of credit card.
It was inform to me that the card has been blocked and no transaction could be done in future . Later a confirmation call was also made in this regards on the same day by your bank . After onward i received your bank statement in which a transaction of above Rs 18000 was made. this transaction was made after my request of ( lost and block ) of card . On requesting again this matter to your customer care a representative of your bank visited my house . He informed me still your care has not been blocked it can will be blocked after paying a some of rupees 200 /- . I also have an acknowledgement slip of Rs 200/ - which was payed after confirming to your customer care .
Know after three years i m surprised to know that amount deposited in my saving a/c ....... has been hold due to the transactions made in credit card which was not at my part .
It is again humbly requested you to waive of the credit card amount which was not done at my part and release the amount of my saving account no.[protected] . Other wise i will have to take help of consumer form.

MR.SHIV KUMAR
Account no.[protected]
Cust ID : 6493492

Respected Sir,

Credit Card No.[protected]

This is to inform you I had a Credit card of HDFC bank with the feature of smart pay and the sales person told me that the smart pay facility would be start from the card issuance date and utility bill pay directoly but the commitment was failed and due to that my insurance policy lapsed and suddenly after 6 months the smart facility active and paid the premium with interest but due to false commitment I had crashed, tore and stopped the card but bank has issued the statement.I had written so many letters to the bank with entire histroy after 2-3 yrs the I got the call from the bank for the same as sattlement (lumpsum amount from the total final amount) and I had paid (which I never used in any foam) sattlement amount as given by bank with bank exe commitment that the name should be removed from the CIBIL but still my name is not removed so request you to guide me for the further and process ahead.I had mailed to Nodal Manager of the bank but the situation remains the same.Due to miss information and communication of bank executive nowadays I have to suffer a lot.

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.