HDFC Bank Complaints & Reviews

Dear sir

I am holding credit card of HDFC Bank [protected] of name Subhashish Bhattacharya .I have always ensured that all the payments are being made on time till February 2010. I am using this card for the last three years.

Since last month I have been undergoing some financial crisis and hence requested the customer care to freeze the whole amount and instead of paying the minimum amount due, to pay the rest amount in EMI's not more than Rs 3000/-.

The executive and the manager told me that once I make the payment of
minimum amount due for the month of February 2010, all the late fees, interest would be waived off and then only they can turn the whole amount in EMI. Once I make the payment they will get back to me within two days. But nobody got back to me with the details.

This month again I have started getting calls from the collection department. The executive name is Avijit
Banerjee. He calls from the number[protected]. Intially he used to call me 3 -4 times a day and asked for the payment. But off late he is calling me 20 -30 times a day and if I do not response to the call he keeps on calling. He is abusing me and going to the extent of my fore fathers. He uses all kind of vulgar and abusive languages. He has amde comments on my caste.

He has also mention that on my payment his appraisal and incentive is depending hence he will take out the money from me, for that he can go to any extent.

The appartment I stay as a tenant he has called up the neighbour next door and while the gentle man was not home his wife who is bed ridden as she is paralyzed had answered the called , Avijit was not only abusive to this sick and elderly couple, but had threatened them also with dire consequences and was asking money from them also.

He again called me back and said he would be keep calling in this manner and will also called up my office and all the possible contacts he can managed and make my life miserable. He said he will ensure that I am not able to enter my apppartment. He has catergorically said that he has taken it as a personal challenge and will ensure that within 24 hrs my life would be an hell. I would left with only two option which is either to end my life or to walk to him on my knees and begging for forgiveness,

This is not a way somebody should be treated. I am not saying that I am not going to make the payment , Its just that I am not able to pay the huge interest amount right now. Hence want to freeze the amount and pay back in EMI's not more than Rs 300 / month.

Would request you intervention at the earliest and resolve this issue as me and my family is in mental trauma just because of the collection executive Avijit Banerjee calling from the number[protected] from Kolkata Branch. His manager name is Anindita Basu mobile number [protected].

Subhashish Bhattacharya

Dear Sir / madam,

Subject: CASH ON CALL AMOUNT ON MY CREDIT CARD # -- 4050XXXXXXXX7072

This is to inform you that I was informed that my account was credited by loan of CASH ON CALL on my CREDIT CARD Number: 4050XXXXXXXX7072 for amount of 84750 INR.

I had called up your executive and requested to cancel my request. I had also informed your verification call officer and processing officer that I don’t need this amount and kindly reverse the amount which has been credited to my account.

I had received this amount of 84750 INR at 4.00 pm on 20 January 2010. Since that day I am calling at your customer care number and sending regularly mails to your customerservices.[protected]@hdfcbank.com email and requesting for reversals.

I immediately made a call for reversal as soon as the amount was credited to my account. I was told by your executive that it will be done within 04 working days. Now after repetitive calls and mails I did not receive any response from you neither by mails and nor by calls! No one bothered to arrange a call back or even reply by mail. In spite of several follow ups from my own side. I am very much shocked with the poor response for my complaint.. I have been mailing since January 20, 2010 the day my account was credited with the 84750 INR (cash on call)

I was assured on 20 January 2010 itself that the amount shall be reversed within 04 working days back but to my surprise it never happened and I kept complaining and calling your department and requesting your executives to do the reversal at the earliest!

Now more to my surprise yesterday i received a call long back saying that i have to pay the pre-closure fees to reverse this amount. Since day one when the amount was credited to my account, i have been sending emails and making long calls to your credit card department requesting them to reverse this amount which was all in vain.

And now after a month, i have been asked to pay the penalty for the pre-closure of loan. Your representative had a very bad and improper behavior while taking to me on call made today by her which was not acceptable at any norms.

I have been told that the amount could not be reversed as this amount was utilized by me, which is totally incorrect. Just see my account statement and details.

Day 01, January 20th 2010: My account already had 202017 INR and after that 84750 INR was credited to my account. After that day my account was credited with my January Salary and Bonus amount. Your executive gave me the reason for charging me with the penalty was that I had withdrawn any amount due to which the Loan amount was considered as UTILISED.

I had withdrawn the money on 06th February 2010. Your department had time for total 17 days (from 20 January to 06 February) why the amount was NOT reversed during this period, as I had been calling since January 20, 2010 then why the amount was not reversed and why things were NOT communicated by your department.

Now I am tired of requesting mails and making long phone calls, your department never responded and now after one month exactly I am getting calls to pay the penalty for the amount which was credited without my consent and after several follow ups I am asked to pay penalty.

Solve the matter if you can and accept Fault from your end or otherwise cancel my credit card. I have all records / proofs with me of all the mails sent by me since January 20th 2010 to till date as well as all phone calls made by me requesting the reversals.. Your executives and department is mere responsible for this issue which is necessarily created by their fault and negligence and it’s only me who is at losses in terms of MONEY and TIME.

This is my last mail to your credit card department and hence forth I shall NOT take any liability for any dispute arising for any payments to be made unless and until the issue is properly solved.



Regards,

Nazneen Khan

[protected]

Dear Sir,
My card number is [protected] I have payed the total settled amount of Rs.60000/- but I am getting calls for extra payment of Rs.5500/- earleir also I have sent a complaint. A cheque of Rs.6200/- was put in my account which was not issued by me and the cheque was dishonoured I came to know only after the notice fron advocate I conveyed to him that this is not my cheque. I gave a payment of Rs15800/- the balance of the settled amount on 24 feb2010 and there was a entry of Rs. 400/- also which was not paid by me. I dont know who has done it for his/her personnel gain. Iam getting the statement also .I have paid the settled amount so the statement should not come to me neither any call for payment.

Thanks & Regards

Anil Sharma
[protected]

Respected,

In my salaried account of HDFC i am facing problem.
When in november & december i tried to make DD for Educational purpose my HDFC bank of bhayandar told me that they are getting a memo in their screen saying that ' i cant make any DD or Submit cash in any other branch except home branch that is Grant Road.

When i visited Grant Road branchon around 21st december, person their in teller counter told me that they cant see any problem in anything and for educational i can make my DD or submit a cash. I made my 2 DD on that day and that too in that a girl in the teller counter made a mistake in making one DD and they made me come back from my worlioffice on saturday, thanks to my coleague they managed in office in my absence.

Now on 22 of this month when i visted dadar branch, as it is near to my pickup point for office they told me the same memo i requested them its for educational purpose and told them about the mail them to do.
They replied that they want person name whom i had word which any normal human being cant remember for 3 months, i asked them to give me number of that branch they dont have that also.

they dont have a common email ID for one branch and more than that in their system they neither have Landline number due to personal life and offfice life i cant really make a time to go again in grant road or to dadar branch i am just fed up of everythng
Please help i[censored] can!!!!!!

AM WORKED IN HBL GLOBAL PVT LTD, HYDERABAD IN HDFC BANK, DEPT- CREDIT CARDS, SINCE DECEMBER, 2008, LATER AM RESIGNED ON JANUARY, 2009. SO, YET NOW AM NOT RECEIVED THE PROVIDENT FUND AMOUNT. SUBMITTED THE ALL DOCUMENTS AND ATTACHED THE ONE BLANK CANCEL CHEQUE. SO, LET ME THE STATUS OF MY PROVIDENT FUND AMOUNT, AS EARLY AS POSSIBLE.

PLEASE DO THE NEEDFUL.

Regards,
J.HARISH KUMAR
[protected]

Dear Sir,

I open up my salaried account with HDFC bank (zero balance). When I left my job HDFC bank called me up after three months that they have already change my account into saving & I have to keep Rs 5000/- minimum balance, I agreed to it, now I was holding Rs 5000/- in bank since then. Recently when I checked my account details after aprox one & half year I was shocked to see my balance was below Rs 5000/- (which was minimum amount). I called up HDFC customer care but of no use, then I visited my nearest branch but still they didn’t help me although I told them that I am 7 months pregnant & my doctor prescribed me with full bed rest. And can’t go to noida where my actual account was opened, they instead me to go there only and that they can’t help me in this matter anyways they told me why we will refund you money from our branch? I visited noida last week I had a word with Mr. Sarvesh Sharma who told me that he is the branch manager of noida branch sec 18. Firstly he was not able to look my account details in his own branch where I am having my account, secondly he told me that you have not updated your account balance which is now minimum Rs 10000/- then I asked him that no one told me & no intimation was given to me that now the minimum balance is Rs 10000/- instead of Rs 5000/- he told that his branch has send me a letter to my given address but when I asked him to show me who has received the intimation letter which they were saying the had courier to me , he was not ready to listen to me but when I shouted he told me to write a letter regarding the refund, I gave the letter & he called me up after one week saying that his branch manager is not agreed in give full refund he told me that they will give me only one charge which was detected but not full refund that’s all. Also he told me that a quarter is coming he will deduct the next quarterly charges also on 1st April 2010. They now you are requested to look into the matter as early as possible. I would be so thankful to you if you do it at the earliest as I am 7 months pregnant and I need the money and unable to go to noida again as my doctor prescribed me with full bed rest.

My saving account no [protected] HDFC BANK SEC 18 NODIA (U.P)
HDFC bank has been detecting from my amount of Rs 2482/- + interest.

Hi,
I recently got a shock when my bank balance showed up as -1339 Rs. I then got a call from HDFC representative saying i had to deposit money or they would charge interest on the amount.
When i asked him for an explanation as to why my balance was negative he gave a very unconvincing reply saying my transaction on feb 20th didnt process through due to a network problem. Hence it happen a month later and they deducted the money.
My query is why should i get penalized for a transaction that didnt happen due to a network issue that HDFC had?
And even if the transaction didnt happen in 20th feb why wasnt i informed or when it eventually happened why wasnt i notified?
Why call after the balance goes negative and ask me to deposit money immediately or threaten to charge interest?
This is the 2nd time im having an issue with HDFC. They took 2 and half months to give e my welcome kit and account details when i opened this account. I was without a salary for 2 months.
And now they do this.
This is the kind of service i hate.
Kindly help. Is there any way i can book a case against the bank and teach them a lesson for being utter .
this is my complain number and the mail i sent them today

HBL=[protected]' Negative Bank Balance
"Hi,
It has come to my notice that I have a negative bank balance in my account.
Now the last time I checked my account I had a balance of 700 Rs in it.
When recently I swiped my card at a petrol bunk the transaction didn’t get through.
To my luck I wasn’t carrying any money with me. Not only was this embarrassing but I had to call
A friend of mine to pay for it.
Now can someone explain why I have a negative balance? Doesn’t it beat the purpose of having a debit card?
I did get a call from one of your executives who told me about a transaction that didn’t get processed feb 20th due to network issues.
And he demanded that I deposit some money to negate the negative balance or interest would be charged.
Even now I find it difficult to understand what your executive tried to explain, as he gave me 3 different dates trying to explain the debacle.

My question is why wasn’t I kept in the loop about a failed transaction? For some stupid network issue that you guys have is it right for you to
Put the customer in such a fix? Why didn’t you call and let me know when the transaction failed rather than wait until I have a negative balance and then call?
Now my pay cycle is on the 5th of every month and I am not willing to pay a pie on interest due to your lack of ability to keep me informed about my transactions,
And let me know only when its negative and then charge interest.

I still haven’t got my statement for the month of February so I’m still unclear about your reason given.

This is the 2nd time I’m facing issues with HDFC and your service till now has been absolutely pathetic and hopeless 'HBL=[protected]' was the complaint number for the first issue I had.
All I have faced is embarrassment with you as my bank and I have never had this issue with my other account in ICICI. If you guys are not capable of handing a salary account kindly let me know."

Following is the reply i got from their customer service


"Dear Mr. Mithun P,

Thank you for writing to us.

This is with reference to your e-mail dated March 24, 2010 regarding negative balance

We would like to inform you that on March 16, 2010 you didn't had enough balance to make payment of POS transaction done on March 17, 2010. As the transaction done on March 17, 2010 was more then the existence balance in the account, the account balance gone in negative.

We would like to convey that as and when your account goes into negative balance, your account will be debited for the debit interest as per current regulations. This interest will be debited for the period the account was in negative balance."


Well thats a msg that didnt clear any of my questions.

Dear Sir
I have taken a hdfc bank loan 3 years back for rs 50000, it was an auto debit from my salary account, When i resigned from that company i had two more months installment to pay,, so i mantained that two months instalment in my salary account. After 5-6 months i recieved a call from collection agents telling ,i have two months instalment to pay and the total amount has gone upto 14,000 with interest,,, i met them directly and came to know that two months instalment has not been payed from my salary account as the salary account was deactivated,, i confirmed it with the bank,, so the the collection agent told it can payed and settled without any interest,, the settlement was done on rs 9000 which was the instalment to be paid and he has given the receipt also

Now after 2 and a half year the collection team called to my home ,,, collected my new mobile number, and called me up telling i have some outstanding amount with hdfc bank,, that is 20,000 with interest?????, i was wondering whats happening, i called up the bank and came to know that whatever amount i payed to the collection agent that time is not reflected in the bank account,,, the collection agent asked me the receipt for payment, as it is 3years old i dont know where i kept the reciept as i shifted the home twice after that,,, hearing this he started bargaining for the settlement, he told this is the new collection team and old people are not there in company,, i think every people are misusing the database to fool the people around ,,
what should we call this???


Bobby

My HDFC Card No.[protected]

This is with reference to the later recd from HDFC Bank date 02-Mar-2010, stating that they have recd the copy of Transaction for below dispute Amt 1530.00 raised by me.
And also they have debited my Account for the same .

they have also send me the charge slip for Rs. 1530.00 but I want to clear that THE CHARGE SLIP SIGNATURE IS NOT MATCHING WITH MY SIGNATURE (as per Attachment)
THIS IS FRAUD TRASACTION DONE BY ANY ONE ELSE . How can they accept this transaction without verifying the Card Holder sign.

Deaar sir/madam,

, I have not signed below charged slip, nor physically present at the time of Transaction.
And also my sign is not matching as per the record given to the Bank.


I totally denied this Transaction . Kindly reinvestigate and credit my account with Rs. 1530.00 with penalty charges.

Regards,

Sunil

Contact :[protected]

Read it do not basket it as the matter is very much serious.

This has reference to my previous mail regarding the payment of credit card. I have requested several time to the
persons and the ladies calling from the following nos

[protected],[protected],[protected],[protected],[protected],[protected] as stated in my email
and subsequent threatening calls from the numbers even to my son who is no where concern with all the matter.

Yesterday again I have received the call from the bank or the recovery agency ,for makeing the payment. I told them that I know that it is due and over and I am not able to pay this amount right now. I asked them to make the payment next month. On this the concern caller pass the comments to my son

" अगर तेरा तेरे बाप से कोई रिश्ता नहीं है तो अपने बाप को गली दे! बैंक ने रोटिया तौरने को पैसा दिया है बैंक के पेसे से तेरा बाप का घर चलता है.! बेशर्मी की भी हद होती है! चल जल्दी से खड़ा हो और बैंक जाके पैसे जमा करा के आ, वर्ना हम तोह ऐसे ही फ़ोन करते रहेंगे और तू हमारा कुछ नहीं बिगड़ सकता..

Is this the way to pressurised a person. More over one of the boy Mr. Lalit ( mob No [protected] )came to my house yesterday about 6 PM i.e on 22.03.2010 and then he dialed a number where one Mr. Hervinder had a conversation he is very soft spoken to kill a man. I told him about all the factors.
The limit is now unbearable and the treatment is with me like I have stolen the money from the bank and if I will not pay you people kill me.

Again in the morning Mr. Lalit and Mr. Harvinder forgot the conversation and again pressurised for the payment.

I have no other alternative either I disappear or I will have to use some unfair measures for my self because these people did not allow me to stay in my house peace fully.

Is there someone senior and responsible from HDFC Bank who can resolve these issues and stop these phone calls?? Kindly understand I am a responsible person who wishes to make the payment and clear the whole balance.



Ashok Beri

HDFC CC NO [protected] settled with bank. Settlement Letter Ref No:069942 via 2 cash installments of Rs 17685 & 2500(Total Rs. 42685) dated 27/01/10.

However my HDFC Salary Sav A/c [protected] was marked lien without information on 06/03/2010 & all funds were captioned for the CC balance of Rs. 25493.75 on 21/03/2010.



I have completed settlement as per the banking laws & with completed honesty. I have void Settlement letter from bank for the same. Now Bank ceased & withdrawn salary from my Salary A/c for illegal outstanding of Rs. 25493.75 by claiming invalid Settlement. I am in Financial Crises due to which I am not able to sustain my Family of my wife & 2 year old son. Also I am not able to pay my Housing Loan EMI creating a jeopardized situation for me.

I have communicated this issue with HDFC Branch Personal Banker Mr Bipin Sivdasan (Tel:[protected] and he has escalated this to the Legal Manager Dipti Parik (Mob: [protected] Tel:[protected]/5) but haven’t received any response from them. Also I have send the letter to Chennai office and Logged complaint to HDFC bank Customer Care with Ref No: [protected]. But haven’t received any communication from them.



I want Serious Legal Action against HDFC Bank with reversal of the withdrawn Funds from my salary a/c and Compensation of Rs.25000 for the loss occurred due their harsh steps of ceasing my a/c.

Also removal of my name from CIBIL List of Defaulters.

I was a ex-bank employee of HDFC bank (after Centurian Bank of Punjab merged in HDFC BANK Ltd.)
On date 25th Jan08 when i was in Centurian Bank of Punjab Amt. of Rs. 50000/- was withdrawn from my account without my consent & without any reason. from Bikaner branch (eCBOP) As per system the txn was inputted by user RAVI5210E and authorised by ANU5949E.

Compliant for the same has been made thrice to local branch manger (Mr. Amit & Mr. Rathore) in Bikaner Branch as i was posted in Bikaner at that time. also mailed the same to Cluster Head Mr. Rajeev Bhargava

but nothing tuned up till date. I also have the same on mail i m following up with them since long and nothing is done till now.

Account Holder Name :- Piyush Pal Singh Dhaka
Account in Branch:- Park Street Jaipur

AC no. Old [protected]

New [protected]

Dear Sir,

I am the owner of this credit card with HDFC bank card no 43467810********.The bank has been harassing me for so long.

I have purchase one window A/C with some other purchasing around Rs.26000/- before purchase I asked the bank for EMI than the bank says that is possible and you can purchase after purchasing I have call to bank for EMI than the bank says EMI are not possible now I have been paid Rs.14909/- till last month but my outstanding amount is still increasing which has reached to Rs.37087.20/- bank keeps on charging interest.

The whole story is like this

I earlier talked to one of their reps he said He will convert whole amount in to EMI and your EMI will be 2087/- per month. I said fine. Than I paid Rs.2087/- on 9th July 09 to Mr. Somdutt Dhawan (Executive HDFC Bank). Next month (Aug 09) someone called me and said we have not any information about EMI and he spoke to his boss and said to me that pay Rs.900/- which is minimum amount and I will try to convert your amount in to EMI. I said fine and paid Rs.900/- on 22nd Aug 09 to Mr. Sonu (Executive HDFC Bank). Next month (Sept. 09) again I received a call by Mr. Sonu and he said your EMI request under process and you must pay Rs. 1590/- than I paid that amount to him on 3rd Sept. 09.Next month (Oct 09) Mr. Somdutt Dhawan called me and said your EMI amount is Rs-2087/- than I asked to him about last two month story than he said your due amount already has been convert in to EMI and your latter with details send to you within a week than I paid above amount to him on 18th Oct 09.next month (Nov 09) again Mr. Somdutt called me and told your EMI amount is reduce now you may pay Rs.1150/- I sai fin and than I paid Rs-1150/- to him on 5th Nov 09.Next Month (Dec 09) I received a call by Mr. Sonu and he said me last story that EMI under process than I asked to him about Mr. Somdutt than he says he is not aware about him than I confused and stopped the payment but Mr. Sonu suggest me that if you don’t pay that amount than your previous paid amount can be lost and he insure me that every thinks are cleared than I paid Rs-1700/- to him on 22nd Dec 09.Next month (Jan 10) again I received a call by Mr. Sonu and he repeat same story than I said fin and paid Rs-1718/- to him on 6th Jan 10. Next month (Feb 10) again call me by Mr. Sonu and take Rs-2000/- on 21st Feb 10. Now I have been paid Rs-14909/-till date and I have all the receipts. Now I received a call by Costumer care and she said your card over due and your minimum due amount Rs-1500/- some things than I asked about my previous story than I shock that above all commitment are false and they have not any record of request for EMI than I submit a request for final settlement of my card to convert in EMI of my due amount after few weeks I received a call from costume care and she said your due amount has been convert in to EMI after less 13% amount on over all due amount Rs- 37087/- and you must be pay in 8 EMIs and each EMI amount will be Rs-4032/- than I said hold first I will discussed with our clique than I will be informed you.

Now I don't understand why I do it should be settled with some dignity without harassing the consumer. Now keeping in mind I have used the card for 3 years. After all they have done with my family that is not acceptable at all. Is that what we deserve as Indian Citizens?

They have destroyed all my credit history too. With all fake commitments. I don't know what to do. I am just 32 yrs old and this bank has made my life hell. Please Help me.
Thank you

Sincerely,
Rahat Noor
M-[protected]

I am Mr. Suman Kumar Das, Executive Director of Banmala Commercial Pvt. Ltd. using HDFC Platinum Plus Credit Card since long, and I was very happy with you untill one of your telecaller Ms. Saoli Mitra misbehaved with me very badly. She was trying to cantact me for making the payment as the due date was over. I didnt receive the phone because i was very busy with my personal life. Then she contacted my manger on 20.03.2010 at 4.00 p.m. approx from telephone no. 44053619. Last time when the payment collection boy came to me, I gave my manager no. to the boy and he called my manager and collected the payment. From that record Ms. Saoli Mitra got the phone no. and called my manager and asked him "why he was not picking up the phone? was his intention not to make payment.".

Today Ms. Saoli Mitra called me at 12.42 p.m. from phone no. [protected], and asked for the payment. Then I asked her why did she insulted my manager. and she told me " without talking too much when I will make the payment." and she was continuously shouting at me.

Is this the way HDFC Bank Credit Card section train their telecaller to behave with their customer?

I would request you to check my history with my credit card no. I also think if this continues then HDFC will loose their valued customer.

I dont know how you will treat this matter, but i think i will give a sencond though to use HDFC Credit Card.

Thanks & Regards

Suman Kumar Das

respected sir,
i attach 2 photos of bank statement. please find it. IN MY SAVING ACC. THERE WAS A DEBITED 3413 RS. FROM BANK AND I WAS GAVE APPLICATION TO THE BANK BUT I DIDNT GOT ANY REPLY FROM BANK SINCE LAST 2/3 MONTHS. AND ON 20/03/10 HDFC BANK BRANCH MANAGER , KAPADWANJ BRANCH, DI- KHEDA, HE GIVE ME SUGGATION THAT IS CLOSE UR ACCOUNT.

I having credit card of HDFC BANK & taken loan aginst credit card b& regulerly paid installment as per bank statement per month but financial charges levied by bank is not understandable. Since last 3 year i had paid instalment regulerly but loan amount balance is still remain ,my installment is gone only for finance charges? pls.give suggestion

My card no is [protected] which has been lost in Nov.09. I have informed the Bank but no cognigence taken/nor fresh card sent but reminders for payments of balance amount is frequently coming. I have not received bills from Nov.09 onwards though I have advised my new address -2- times. I onceagain give my address :
Kiran Prakash,
Senior Manager
Bank of Baroda
Bihar Regional Office
"Anand Vihar" 4th floor,
West Boring Canal Road
Patna - 800 001
mobile - [protected]

there is harraresd working conditions for female employees in hdfc

i refill bsnl 55 Rs Rcharge through hdfc online prepaid refill service on 13th march
balance not received amount reduced from my hdfc bank account no [protected] transacition no[protected]

HDFCComplaints - House Loan Application Status
HomeLoan Application Status
I had applied for a housing loan with HDFC BANK
Till today i am searching for my status of application
the concerned DSA is also unreachable.
I am still waiting for my papers and cheque that i had deposited with them.
The DSA (HQL GLOBAL P.LTD.-Ahmedabadmr.divyesh mob ;[protected],[protected]) .did not give me any reference number.
I am not sure how pathetic the service can be.
Numerous times i have called their customer care number, so many times i have visited AXIS BANK,
but seems all have deaf ears (from top to bottom in hierarchy).
Now this is my last resort to sort out the issue.
Kindly Help.
Thanks and Regards.
HARESH RAMOLIA
[protected](