HDFC Bank Complaints & Reviews

I have posted a cheque in which payee is my name. There in cheque my account no also specified.

The issue is: My name Thilagamani. But in the cheque my name is written as "Thilaga". So it got rejected.

I don't understand why it was rejected. You could have rejected if the name is fully wrong / does not match with the account no.

Anyway in the account my name is specified right?...

I am a customer of HDFC bank for the last 5 years having my salary account , Demat account and credit card of HDFC bank.

Last month I got a call from HDFC Bank call center to upgrade my credit card which I accept and my credit card get upgraded to Titanium card from Gold Card and also i got a call to to transfer my remaining amount on Credit card into 6 EMI's which I also accept and the same is confirmed from the call centre executive to pay the first EMI installment on 24.04.2010 and nothing before this.

But suddenly i start geting calls from HDFC Bank callcenter to pay amount of 1500 which is due on 24.03.2010.They start calling almost all the day and even today they call at my home from call center no [protected] and misbehave with my Mother.They just don know how to talk with some senior citizen.They are harrasing me for the so many days for just Rs 1500/-.Need your support to have some actions regarding such workers who don't do job properly.

My name is Manish Gupta and my DMAT Account client ID is : 28173188
Complaint Against
:- Mr Gaurav Srivastava
Mr Akhil Malhotra (Branch Manager)
Complaint Reason
:- After my DMAT Account I had applied for On-line Mutual Fund around 6 months back in October month, from bank itself by filling the form manually & bank ensured me that it be active with in 2 weeks.Then after my regular follow ups for around 1 month they didn't update any status for that.In December starting I requested them to check the form again then they find that form was lying with them because it was returned back as Bank forget to put round stamp on it which shows the irresponsibilty by them.Then Mr Gaurav again send the form for registration & gave me his number.He told me that he will mail me or call me for any update or I can also call him.But he never make a call & not even received my calls.I visited them regularly but with no response from bank.
Then I told to Branch Manager Mr Akhil about my case, he told me to apply again & fill the form with this he told me that they will treat this as special case and will try to get it registered with in a week.
This was in January end I suppose.From then onwards I am regularly following up with them but they are not giving any update.When ever I go to Mr Gaurav he use to give me just one answer that he will update me this time.The most irritating thing is he never receives call & didn't even call me or mail me to update.Same is the response from Branch Manager, he says okay I will talk to Gaurav later on.But never take any action.I had visited more than 50 times but I never get any response.

i am holder of hdfc bank gold credit card bearing no[protected],i have asked for settlement with banks collection authourity, but they debited 26000 directly frommy accountand now they give thearenting calls to me. one person claiming himself to be delhi police man his cell no[protected] calls and talks in abusive language and threatens to arrest me.i cintacted bank who directed to collection dept.one mr, nilesh sompura is there i went many times but he does not listen.he says first pay then i will issue a letter.
i paid 7000cash .he said to collect letter after two days but till date i have not recd.any settelment letter.every now and then some one calls and uses abusive language.i am ready toapy. but onl;y on receipt of settelment letter.
plese help,i have a sick father at home and these people haress us.i request someone to help.it is my earnest request to one and all .can sumone catch the fraud people calling and giving threatening calls.

I have taken a Housing Loan from HDFC Ltd. On 27th Nov 2006 HDFC had approved a housing loan of Rs3,22,000 /- only at the rate of 11% pa(fixed rate) for a term of 15 years. Finally when the loan was reimbursed on 27th Oct 2007 I was charged interest at the rate of 12% pa(fixed rate), which I had accepted. Had I knew the rate is 13.25% pa(fixed rate) I would have gone for some other banks. However Kumar Ajit assured me that the rate was 12% pa(fixed rate), after which I signed on the dotted line.

However after payment of 2 installments I am being told by HDFC that I am a defaulter & my EMI is 13.25% and not 12%. There after I have made several rounds of HDFC Bank Asansol, dropped mails and answered to lots of phone calls from HDFC Bank Kolkata. It has been more than 9 months and the matter is still not settled.

For over more than a year the issue went on and at the last I had to get loans from outside and repay the entire amount to HDFC Ltd. They came back saying that it was a manual error on their side but the consumer had to face all the fines and dues and interest at the increased rates.

In short HDFC Ltd has cheated the customers.
1. Mislead the customer
2. Dragged a problem for more than a year which could have been resolved in a few days
3. Cheated the customer by saying that the ROI is 12% pa and made him signed on the papers where it was written 13.25%.
4. Took their own time to reply to queries (Minimum I had to send 3 reminders, this time it was 5)

=======================================================================
Entire mail communication below
=======================================================================


From: Kusal Prakash/KOL/TCS
To: Akash Kar <[protected]@hdfc.com>
Cc: Amit Roy <[protected]@hdfc.com>, Kikim H Gurung <[protected]@hdfc.com>, Kumarjit Sengupta <[protected]@hdfc.com>
Date: 12/28/2009 04:35 PM
Subject: Re: Fw: Meeting on 28/3/09, loan account no[protected] Reminder 4


Akash

Its very strange that I have not received any mails from Kumarjit(17Nov, 16Dec). Earlier I had received all mails from him! I will check with the network team whether it ever reached our gateway? Meanwhile thanks for the confirmation I will look forward for the quotation.

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
Website: http://www.tcs.com



From: Akash Kar <[protected]@hdfc.com>
To: Kusal Prakash <kusal.[protected]@tcs.com>
Cc: Amit Roy <[protected]@hdfc.com>, Kikim H Gurung <[protected]@hdfc.com>, Kumarjit Sengupta <[protected]@hdfc.com>
Date: 12/28/2009 04:03 PM
Subject: Re: Fw: Meeting on 28/3/09, loan account no[protected] Reminder 4




Dear Kushal,

Kumarjit I had earlier mailed earlier you on 17th November and thereafter
on 16th December.

We are sending the quotation by today's courier to your house address

Thanks & Regards

Akash Kar
HDFC Limited
First Floor, Tech International Bldg
Behind : Suhatta Shopping Mall
Red Cross Road, City Centre
Durgapur - 713216
[protected]
[protected]
[protected]@hdfc.com



From: Kusal Prakash <kusal.[protected]@tcs.com>

To: Akash Kar <[protected]@hdfc.com>, Kumarjit Sengupta <[protected]@hdfc.com>

Cc: Amit Roy <[protected]@hdfc.com>, Kikim H Gurung <[protected]@hdfc.com>

Date: 12/28/2009 02:52 PM

Subject: Re: Fw: Meeting on 28/3/09, loan account no[protected] Reminder 4







Akash

Thanks for the mail, I am surprised that this mail has not come to my mail
box when Kumarjit had sent but it has come when you have forwarded it!!. I
have checked my mail box and I can see all mails before and after "
12/16/2009 09:27 AM " except this one, which is very strange indeed.
The mail from Kumarjit was sent on 16Dec09, one month after the 2 working
days mail. Was any other mail sent by him prior to it?
Please send the quotation to my house address. This was agreed with
Kumarjit the other day. Also I would be grateful if you could let me know
in advance when you are sending it so that I can ask someone in my house be
attentive to it.

House address:-
Kusal Prakash
Saraswati Kunj
H/O Mr M C Prakash
Hill View Park(North)
Opp Banerjee Stores
Asansol 713304
Dist : Burdwan(WB)

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
Website: http://www.tcs.com



From: Akash Kar <[protected]@hdfc.com>

To: kusal.[protected]@tcs.com

Date: 12/28/2009 02:26 PM

Subject: Fw: Meeting on 28/3/09, loan account no[protected] Reminder 4








Kumarjit has replied back to you long back. Please check your mailbox.
Forwarding the mail send by him to again.

Regards

Akash Kar
HDFC Limited
First Floor, Tech International Bldg
Behind : Suhatta Shopping Mall
Red Cross Road, City Centre
Durgapur - 713216
[protected]
[protected]
[protected]@hdfc.com
----- Forwarded by Akash Kar/Calcutta/HDFC on 12/28/2009 02:23 PM -----

From: Kumarjit Sengupta/Calcutta/HDFC


To: Kusal Prakash <kusal.[protected]@tcs.com>


Cc: Amit Roy/Jamshedpur/Calcutta/[protected]@hdfc, Akash
Kar/Calcutta/[protected]@hdfc, Kikim
H Gurung/Calcutta/[protected]@hdfc


Date: 12/16/2009 09:27 AM


Subject: Re: Fw: Meeting on 28/3/09, loan account no[protected]
Reminder 4





Dear Sir,

Request you to check your mailbox. we had indeed mailed after 2 working
days , saying that the quotation was ready with us and requested you to
confirm as to how we should be sending it across to you.

Once again requesting you to let us know, how can we send it across to you


Regards



Kumarjit Sengupta
HDFC LTD, DURGAPUR
[protected]/2549778











From: Kusal Prakash <kusal.[protected]@tcs.com>


To: Kumarjit Sengupta <[protected]@hdfc.com>


Cc: Akash Kar <[protected]@hdfc.com>, Amit Roy <[protected]@hdfc.com>, Kikim
H Gurung
<[protected]@hdfc.com>


Date: 12/15/2009 08:18 PM


Subject: Re: Fw: Meeting on 28/3/09, loan account no[protected]
Reminder 4







Kumarjit

Another 1 month has passed and I have not received any updates, you said it
will take 2 working days!

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
Website: http://www.tcs.com


From: Kumarjit Sengupta <[protected]@hdfc.com>

To: Kusal Prakash <kusal.[protected]@tcs.com>

Cc: Akash Kar <[protected]@hdfc.com>, Amit Roy <[protected]@hdfc.com>, Kikim H
Gurung <[protected]@hdfc.com>

Date: 11/13/2009 09:33 AM

Subjec Re: Fw: Meeting on 28/3/09, loan account no[protected] Reminder
t: 4








Dear Mr Prakash,

We apologize for the delay involved. However we are trying to get the
quotation from the accounts. As you might be aware that one of your
prepayment cheques was returned from bank.We had received the payment for
it in the subsequent month. So we had to do the recalculation once again.

We understand that it has taken some considerable time, however we would
get back to you with the quotation within the next 2working days

Regards

Kumarjit Sengupta
HDFC LTD, DURGAPUR
[protected]/2549778









Kusal Prakash
<kusal.[protected]@tcs.com>

To
11/12/2009 08:06 PM Kumarjit Sengupta <[protected]@hdfc.com>,
Akash Kar <[protected]@hdfc.com>
cc
Kikim H Gurung <[protected]@hdfc.com>, Amit
Roy <[protected]@hdfc.com>
Subject
Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4















Kumarjit/Akash
Its been nearly 2.5 months that I have asked for the quotation and till
date I have neither received the quotation nor I have seen any responses in
mail from either of you.

Kikim/Amit
Is this what you call "...constant endeavor to provide outstanding service
to our customers & ensure that their experience with us is always
pleasurable " or these words have all together a different meaning.
For me relationship with HDFC was a very painstaking and trouble some one
and which led me to borrow money and repay entire loan to HDFC.

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 11/12/2009 07:31 PM -----

From: Kusal Prakash/KOL/TCS

To: Kumarjit Sengupta <[protected]@hdfc.com>, Akash Kar
<[protected]@hdfc.com>

Cc: [protected]@hdfc.com, [protected]@hdfc.com

Date: 10/13/2009 12:52 PM

Subject: Fw: Meeting on 28/3/09, loan account no[protected] Reminder 4










Kuamrjit/Akash

Any updates on this? Not sure what's keeping it on hold?

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 10/13/2009 12:48 PM -----

From: Kusal Prakash/KOL/TCS

To: Kumarjit Sengupta <[protected]@hdfc.com>, Akash Kar
<[protected]@hdfc.com>

Cc: [protected]@hdfc.com, [protected]@hdfc.com

Date: 10/01/2009 08:51 PM

Subject: Fw: Meeting on 28/3/09, loan account no[protected] Reminder 4











Kuamrjit/Akash

1 month and I am still waiting for the quotation / response!!! Whats the
status on this?

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com

----- Forwarded by Kusal Prakash/KOL/TCS on 10/01/2009 08:49 PM -----

From: Kusal Prakash/KOL/TCS

To: Kumarjit Sengupta <[protected]@hdfc.com>

Cc: Akash Kar <[protected]@hdfc.com>, [protected]@hdfc.com,
[protected]@hdfc.com

Date: 08/26/2009 05:04 PM

Subject Re: Fw: Meeting on 28/3/09, loan account no[protected] Reminder
: 4









Kumarjit

Thanks for the papers, as discussed pls send me the quotation in house
address as the one that was provided to me was hand written. Do let me know
by when it will reach home so that I do not need to chase un-necessarily.

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com

Kumarjit Sengupta
<[protected]@hdfc.com>

To
08/05/2009 05:47 PM Kusal Prakash <kusal.[protected]@tcs.com>
cc
Akash Kar <[protected]@hdfc.com>,
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4




















Dear Mr Prakash,

Your file and all the documents has come , you may take it from our Asansol
Office on Saturdays &Wednesdays


Regards


Kumarjit Sengupta
HDFC LTD, DURGAPUR
[protected]/2549778





Kusal Prakash
<kusal.[protected]@tcs.com>

To
08/03/2009 09:25 PM Kumarjit Sengupta <[protected]@hdfc.com>,
Akash Kar <[protected]@hdfc.com>
cc
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan
account no[protected] Reminder 4























Kumarjit/Akash

My responses below in RED

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com

Kumarjit Sengupta
<[protected]@hdfc.com>

To
07/24/2009 11:36 AM Kusal Prakash <kusal.[protected]@tcs.com>
cc
Akash Kar <[protected]@hdfc.com>,
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4
























Dear Mr Prakash,


Sorry for the delay in response.
Kusal : Its not the 1st time that you have responded late(after 3
reminders) so you need not be sorry about that, its the order of the day.


We are unable to use our servers due to technical fault at BSNL's end.
Kusal : How long have you been unable to use the servers due to technical
fault at BSNL's end? From 7Jul to 23Jul(span of 16 days)!!! you want to
tell me that HDFC Ltd, Durgapur was unable to do any work for the past 16
days. If HDFC Ltd, Durgapur is on non operative mode cant anything be done
from other branches of HDFC Ltd. What type of contingency plan you have? I
am surprised to see such a big organization like HDFC Ltd having none such
plans and keeping customers on hold for no fault of theirs!

Our Durgapur office still cannot access the system. In view of that we
would request your cooperation.
Kusal : You have always received my co-operation far in excess. Pls do not
take me for a ride any more and return all my documents asap. And the next
time you reply to a mail pls reply with a ETA(date). I cannot run at the
back of you any more. Respect the time and effort of your customers.

We are trying to expedite the matter as soon as possible

Regards

Kumarjit Sengupta
HDFC LTD, DURGAPUR
[protected]/2549778



Kusal Prakash
<kusal.[protected]@tcs.com>

To
07/23/2009 08:55 PM Kumarjit Sengupta <[protected]@hdfc.com>,
Akash Kar <[protected]@hdfc.com>
cc
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4



























Kumarjit/Akash

I am yet to hear from you on this...

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 07/23/2009 08:41 PM -----

Kusal
Prakash/KOL/TCS

To
07/16/2009 02:28 PM Kumarjit Sengupta <[protected]@hdfc.com>, Akash
Kar <[protected]@hdfc.com>
cc
[protected]@hdfc.com, [protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 4


























Kumarjit/Akash

I have not seen any replies to this mail, whats the current status? Pls let
me know the date when I am going to get ALL MY PAPERS.

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 07/16/2009 11:40 AM -----

Kusal
Prakash/KOL/TCS

To
07/07/2009 09:00 PM Kumarjit Sengupta <[protected]@hdfc.com>, Akash
Kar <[protected]@hdfc.com>
cc
[protected]@hdfc.com, [protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 4


























Kumarjit/Akash

I have submitted the following amount against Cheque Number 545699, HDFC
Bank. I can see the amount has been debited from my account. The breakup is
as follows:-
|[protected][protected]+--------+[protected]----|
| Principal Payment | Rs | 176,985.00|
|[protected][protected]+--------+[protected]----|
| EMI O/S | Rs | 8,397.00|
|[protected][protected]+--------+[protected]----|
| Additional Interest | Rs | 108.00|
|[protected][protected]+--------+[protected]----|
| Incidental charges | Rs | 125.00|
|[protected][protected]+--------+[protected]----|
| Simple Interest | Rs | 193.00|
|[protected][protected]+--------+[protected]----|
| TOTAL | Rs | 185,808.00|
|[protected][protected]+--------+[protected]----|











Earlier the agreed date for giving all the original documents was 16.07.09,
pls let me know the new date.

Regards & Thanks
____________________________________________
Kusal Prakash
Office - 033 6636 4282
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 07/07/2009 08:52 PM -----

Kusal
Prakash/KOL/TCS

To
06/25/2009 09:52 PM Kumarjit Sengupta <[protected]@hdfc.com>, Akash
Kar <[protected]@hdfc.com>
cc
[protected]@hdfc.com, [protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 4


























Kumarjit/Akash

I am coming this Saturday to clear the entire principal amount. In case of
any deviations I will inform you.
For the month of June 09 I will be paying the EMI online tomorrow at the
same rate that I had been paying, pls see that its deducted under the
correct head i.e. EMI for June 09 and not against any other parameters.

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 06/25/2009 09:50 PM -----

Kusal
Prakash/KOL/TCS

To
06/12/2009 08:05 Kumarjit Sengupta <[protected]@hdfc.com>
PM cc
Akash Kar <[protected]@hdfc.com>, [protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 4Link


























Hi Kumarjit

I have spent a lot of time searching for all the relevant documents, I have
already paid all the EMI till date hence not sure what the 1st and 2nd
entry in Green below refers to. Or are you referring it for the EMI of
this month?
3rd entry I believe stands for the SI for 5 days taking 06Jun09 into
consideration as the payment date, Can you pls confirm will the same stand
if I pay it on 30Jun09 or 1Jul09. I will give you the post dated cheque for
30.06.09 on Saturday 27.06.09.
Also can you let me know the pre-payment rate that you are charging me?

EMI/OS : 2135.00
ADDITIONAL INTEREST : 92.00
SIMPLE INTEREST 5 Days : 322.00

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com

Kumarjit Sengupta
<[protected]@hdfc.com>

To
06/05/2009 09:49 AM Kusal Prakash <kusal.[protected]@tcs.com>
cc
Akash Kar <[protected]@hdfc.com>,
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4




























Dear Mr Prakash,

Please find the break up of your outstanding loan as on 6/6/09

H:ACCTS:PREPLET Date 05-JUN-2009

MR PRAKASH KUSAL CHAND
HILL VIEW PARK (NORTH),
OPP.-BANERJEE STORES,
ASANSOL,
DIST.-BURDWAN-713304




Dear Sir/Madam,

Loan Account No : [protected]
[protected][protected]
We refer to your enquiry on/dated 05-JUN-2009
expressing your intention to prepay the entire loan
on 06-JUN-2009.

The calculations for the same are as under :
Amount (Rs.)

O/S LOAN AS ON 31-MAY-2009 : 177383.00
PREPAYMENT CHRG [INCL ST/EC] : 5127.00
EMI/OS : 2135.00
ADDITIONAL INTEREST : 92.00
SIMPLE INTEREST 5 Days : 322.00
[protected]
Total : 185059.00

[protected]
Should you decide to prepay the loan, please send us your
Cheque/DD for Rs. 185059 by 06-JUN-2009


Please note that this letter does not release the property from security
and
the security on the property will continue till a Release Certificate
is issued by us. Till such time, you are advised not to transfer
the property or create any third party interest in the property by way
of Agreement for Sale,Gift,exchange or otherwise howsoever.

intent
Thanking you

Yours faithfully
FOR HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED


KUMARJIT SENGUPTA

???[ end of page 1 ]???
♀


Regards


Kumarjit Sengupta
HDFC LTD, DURGAPUR
[protected]/2549778

Kusal Prakash
<kusal.[protected]@tcs.com>

To
05/29/2009 08:11 PM Kumarjit Sengupta <[protected]@hdfc.com>
cc
Akash Kar <[protected]@hdfc.com>,
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4































Kumarjit

My comments in RED below
As communicated earlier just for information I have paid Rs2202 for MAY 09
at the same rate that I have been paying from beginning i.e. 12% pa. Pls
ensure that its deducted as EMI for MAY 09 and no other parameters.
Transaction No : 402957

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com

Kumarjit Sengupta
<[protected]@hdfc.com>

To
05/27/2009 09:39 AM Kusal Prakash <kusal.[protected]@tcs.com>
cc
Akash Kar <[protected]@hdfc.com>,
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4
































Dear Mr Prakash,

It is virtually impossible to reply to all your mails instantly as we have
a branch to run.
Kusal : Kumarjit, I am not asking for instant replies, but replies to mails
after 3 reminders and after 3 weeks I have never heard any where in any
corporate world. I am not sure about you or HDFC Ltd. Its one of the worst
experience I have had till date. For information this mail from yours came
after 14 days.

Please find the replies to your questions

want to know the following immediately or give me a date by which you can
come up with the following information. Do not extend it beyond the end of
this month. If you delay it any further I am not going to pay any more
EMIs.
1. All my outstanding dues including the principal amount till date (A
break up instead of just the total amount). - Please let us know the date
on which you want to prepay the loan. The amount outstanding depends on the
date you are closing it. Upon receiving your intended date we can let you
know the outstanding amount.
Kusal : Check my comments below

2. When will I get all the documents that I had submitted to HDFC bank? The
day I repay the entire amount or I have to come back another day? If later
then after how many days of repayment of the entire amount will I be
getting ALL MY PAPERS together? - First of all this not HDC Bank but HDFC
Ltd. You should be aware of this. The day you are making the payment , you
would not be getting the papers back. You have to show your Bank Statement
of last 6 months to us so that we can check the clearance of your last 6
EMI's and your prepayment cheque. We can hand you over the papers 3 weeks
after this.
Kusal : You can see the clearance of the last 6 EMIs from your system only,
do let me know if there is some other proof of EMI payment you want. After
3 weeks I will come back to you to collect ALL MY PAPERS, hope you live up
to your word?


Lastly We would categorically deny all the allegations you have made
against us. We always try to keep the customer's need first and foremost
and we tried to in your case too. However it seems you want to drag this
non-issue forever.
Kusal : The allegations which you are categorically denying is
unfortunately facts that I have gathered from my experience with HDFC Ltd.
The same response I am getting from various other people when I am
discussing with them. So this is not what only I am saying but what most of
the people are saying.
Secondly your statement "you want to drag this non-issue forever". This
mail chain is proof of who has dragged the issue? I leave for the others to
decide. A issue which was started by HDFC Ltd was carried on for more than
a year. Whenever I came to your branch the only answer I received from you
is "We are in touch with the accounts dept we will get back to you, pls let
me know your contact number and email id we will get back to you". A number
of times you have written my email id/mobile number in your diary, to which
I never received any response. I had to come to your office. You say
something and then get back on your word. There are still unanswered
question. Not sure on what basis you made the above statement!

Please let us know when you want to repay the loan , we would issue you the
loan outstanding.
Kusal : When I am asking you to let me know the break up of the entire
amount(in mail dated : 14May09) it means I am ready to pay the entire
amount as soon as I know what's the entire amount. Did you miss reading it
or my English was not understandable? Where's the doubt? To simplify if you
tell me the break up of the amount today I will pay you this Saturday. I
will be very happy to wash my hands off asap. Hope the following
statement(in mail dated : 14May09) is understandable too?
"Do not extend it beyond the end of this month. If you delay it any further
I am not going to pay any more EMIs."

"Please let us know when you want to repay the loan"

Regards

Kumarjit Sengupta
HDFC LTD, DURGAPUR
[protected]/2549778

Kusal Prakash
<kusal.[protected]@tcs.com>

To
05/26/2009 09:34 PM Kumarjit Sengupta <[protected]@hdfc.com>,
Akash Kar <[protected]@hdfc.com>
cc
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4


































Kumarjit/Akash

Any updates on the mail below, I know its not new that unless at the
minimum 3 reminder mails are sent there is no chance that I will get a
response from HDFC. For the month of May 09 I will be paying the EMI online
tomorrow at the same rate that I had been paying, pls see that its deducted
under the correct head i.e. EMI for May 09 and not against any other
parameters.
I have given enough time to HDFC to let me know my entire outstanding dues
but I am not getting any replies. This would be my last EMI. Thereafter I
would not be liable to pay any EMI as I am ready to pay the entire
outstanding amount but HDFC is not doing anything to let me know my dues.
As usual the days are being extended for no reason at all.
Looking forward for your reply to the queries below.

I want to know the following immediately or give me a date by which you can
come up with the following information. Do not extend it beyond the end of
this month. If you delay it any further I am not going to pay any more
EMIs.
1. All my outstanding dues including the principal amount till date (A
break up instead of just the total amount).
2. When will I get all the documents that I had submitted to HDFC bank? The
day I repay the entire amount or I have to come back another day? If later
then after how many days of repayment of the entire amount will I be
getting ALL MY PAPERS together?

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 05/26/2009 09:15 PM -----

Kusal
Prakash/KOL/TCS

To
05/14/2009 11:09 Kumarjit Sengupta <[protected]@hdfc.com>
PM cc
Akash Kar <[protected]@hdfc.com>, [protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 4Link



































Kumarjit

At first let us keep all people in loop in this mail who have been in touch
with this, I dont want to get letters from Mr Kumar or Dipta Dutta and
emails from "[protected]@hdfc.com". I had enough of it.

Secondly the matter is still not resolved, I don't want to repeat things
again and again. In order to pay EMI @ 13.25% both of you (Akash and
yourself) had agreed to show me all the original documents way back Nov 08
which till date you have not shown me. I even came to your office but what
you showed me was some photostat copies instead of the promised original
docs.If you cannot show me due to any security reasons I am very sorry you
are not keeping your word. At first you agree, then you buy time saying
that we will get in touch with the Kolkata branch and then you come and say
you cannot show due to security reasons. This is not at all acceptable.

Thirdly Dont try to mislead me. You in your below mail have said:-
We are not able to understand why after all the talk we had you are still
insisting on paying EMI @ 12 %
What talk are you referring to? The MOM(Minutes Of Meeting) of the talk is
as mentioned in my mail below dated 04/02/2009 09:10 PM

Fourthly to answer to this:-
You have a duplicate copy with you and can refer to that, the terms and
conditions are exactly the same .
We think that the promissory note photocopy and the loan agreement with you
is sufficient to answer the queries.

I have told you earlier and you will find it deep somewhere in this mail
chain dated 02/05/2009 02:33 PM
Do not ask me to go through the Loan Agreement document as I very well know
its written 13.25%. This is the same question that I had asked you the day
I signed on the dotted line as to why its written 13.25% when you are
charging 12%. You said that its a special rate which HDFC is giving to TCS
associates only. The same rate 12% is written in the documents which HDFC
haves and this is why I am asking you to show me all the documents. This
was the very same rate at which you had asked me to submit the 12 PDCs.
Please check the HDFC1.jpg, HDFC2.jpg snapshots attached in the previous
mail.

Check the contents of mail dated 04/02/2009 09:10 PM
Let me remind you that I had signed not only in Promissory Note but in some
other documents too where 13.25% was written but that only after you gave
me the confidence that this is normal and that the rate for TCS associates
is 12%. (Please correct me if I am wrong.) What about the document which
has rate written 12% pa and bears the seal of HDFC bank and the authorized
signature of the HDFC personnel. Is that not a legal document? I fail to
understand that. Can someone please explain me?

Now if you say that the customer has signed on the various documents which
says 13.25% and you gave the customer the confidence that the ROI is 12%
then it simply means that you have cheated the customer .

Do note that I am not going to pay any extra money for any fault or mistake
which HDFC has done. I have a record with me which says that the original
agreement was initially of 12%. I have given enough time to HDFC but the
returns that I got from HDFC till date is , HDFC has :-
1. Mislead the customer
2. Dragged a problem for more than a year which could have been
resolved in a few days
3. Cheated the customer by saying that the ROI is 12% pa and made
him signed on the papers where it was written 13.25%.
4. Took their own time to reply to queries (Minimum I had to send 3
reminders, this time it was 5)

The HDFC billboard all over the country says "Talk to some one whom you can
trust". If this is the way you treat your customers it does not speak
highly of HDFC. A lot of people will think twice and even thrice either
before opening a account in HDFC or taking a loan from HDFC.

I am fully dissatisfied with the services of HDFC and want to pay the
entire outstanding amount.

I want to know the following immediately or give me a date by which you can
come up with the following information. Do not extend it beyond the end of
this month. If you delay it any further I am not going to pay any more
EMIs.
1. All my outstanding dues including the principal amount till date (A
break up instead of just the total amount).
2. When will I get all the documents that I had submitted to HDFC bank? The
day I repay the entire amount or I have to come back another day? If later
then after how many days of repayment of the entire amount will I be
getting ALL MY PAPERS together?


Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
Website: http://www.tcs.com
Kumarjit Sengupta ---05/08/2009 04:43:01 PM---Dear Mr Prakash,,
Kumarjit Sengupta ---05/08/2009 04:43:01 PM---Dear Mr Prakash,,

Kumarjit Sengupta
<[protected]@hdfc.com>


05/08/2009 04:44 PM To

Kusal Prakash <kusal.[protected]@tcs.com>

cc

Akash Kar <[protected]@hdfc.com>

Subject

Fw: Meeting on 28/3/09, loan account
no[protected] Reminder 4





































Dear Mr Prakash,,

Please refer to my mail below to you on 4/5/09. I would request to go
through it. You had been advised to pay EMI @ 13.25 % which is the
applicable ROI. We are not able to understand why after all the talk we had
you are still insisting on paying EMI @ 12 %

Regards

Kumarjit Sengupta
HDFC LTD, DURGAPUR
[protected]/2549778








----- Forwarded by Kumarjit Sengupta/Calcutta/HDFC on 05/08/2009 04:03 PM
-----

Kumarjit
Sengupta/Calcutta/HDFC

To
05/04/2009 06:11 PM Kusal Prakash <kusal.[protected]@tcs.com>
cc
Akash Kar <[protected]@hdfc.com>,
[protected]@hdfc.com, [protected]@hdfc.com
Subject
Re: Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 4Link




































Dear Mr Prakash,

We have consulted our regional office and would like to inform you that we
cannot take out the original loan agreement and show it to you.The same is
kept in our lockers and for security reasons we cannot furnish the same.
You have a duplicate copy with you and can refer to that, the terms and
conditions are exactly the same .

We think that the promissory note photocopy and the loan agreement with you
is sufficient to answer the queries.

We regret the delay in response.

Regards

Kumarjit Sengupta
HDFC LTD, DURGAPUR
[protected]/2549778

Kusal Prakash
<kusal.[protected]@tcs.com>

To
05/04/2009 05:55 PM Kumarjit Sengupta <[protected]@hdfc.com>,
Akash Kar <[protected]@hdfc.com>
cc
[protected]@hdfc.com,
[protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 4






































Kuamrjit / Akash

4th reminder no updates from any one of you till now.
For the month of Apr 09 I will be paying the EMI online tomorrow, pls see
that its deducted under the correct head i.e. EMI for Apr 09 and not
against any other parameters.

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
BAL CCP Offshore Delivery Manager
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 05/04/2009 05:49 PM -----

Kusal
Prakash/KOL/TCS

To
04/25/2009 04:17 PM Kumarjit Sengupta <[protected]@hdfc.com>, Akash
Kar <[protected]@hdfc.com>
cc
[protected]@hdfc.com, [protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 3









































Kuamrjit / Akash

Can someone reply to my queries, this is the 3rd reminder I am having to
drop. I believe the documents have to come from Kolkata lockers but answer
to queries below can be given without any loss of time? Can I at least get
a time by when my queries will be answered?

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 04/25/2009 04:07 PM -----

Kusal
Prakash/KOL/TCS

To
04/17/2009 09:28 Kumarjit Sengupta <[protected]@hdfc.com>
PM cc
Akash Kar <[protected]@hdfc.com>, [protected]@hdfc.com,
[protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account no
[protected] Reminder 2









































Kumarjit

Its been more than 2 weeks and I have not heard anything on this? Request
you to pls reply to my mail or else give me an ETA when you can give me a
reply?

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 04/17/2009 09:24 PM -----

Kusal
Prakash/KOL/TCS

To
04/10/2009 06:04 Kumarjit Sengupta <[protected]@hdfc.com>
PM cc
Akash Kar <[protected]@hdfc.com>, [protected]@hdfc.com,
[protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account no
[protected]











































Kumarjit

I am waiting for the replies. Any updates on any of the queries below?

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
----- Forwarded by Kusal Prakash/KOL/TCS on 04/10/2009 06:02 PM -----

Kusal
Prakash/KOL/TCS

To
04/02/2009 09:10 Kumarjit Sengupta <[protected]@hdfc.com>
PM cc
Akash Kar <[protected]@hdfc.com>, [protected]@hdfc.com,
[protected]@hdfc.com
Subject
Fw: Meeting on 28/3/09, loan account no
[protected]











































Kumarjit/Akash/Kumar

An ordinary person comes to HDFC Housing bank for a loan. This bank is of
his choice because (1) He has been having his TCS salary account since
06Oct2003 (2) In HDFC things will happen swiftly and there will be no
problems as we have been sharing a relationship for more than 4 years.

When the agreement is done most of the documents Promissory Note etc have
13.25% written on it but he is charged 12% pa. When asked about the
discrepancy he is said by HDFC that its normal, in most of the documents it
will be 13.25% but as you are a TCS employee, 12% is a special discount
given to you. The person signs in all the documents because he has the
confidence of the HDFC that the rate is 12% pa. Had he known at that time
that rate will be 13.25% he would have immediately moved out to a different
bank. He pays EMI @ 12% for 3 months as asked by HDFC and after 3 months he
is told that he is a defaulter and ROI is 13.25% pa. When the man asks HDFC
he gets the same reply for over a year “We are in touch with the Accounts
Department, will get back to you soon”. After 1 year the bank tells the
person that he has to pay EMI @ 13.25% pa from the beginning for no fault
of his own. My question to the learned people in this mail is “Whose fault
and who is paying for this fault?”

Kumarjit
After so many mail communications and verbal communication with Akash in
Nov 08 I was in the understanding that you would be having all the original
documents with you, but to my surprise there were none when I met you last
week. We have lost one more opportunity to solve the confusion (As said by
you) & now it has been postponed to another unknown date. I think you still
fail to understand what is meant by ALL THE DOCUMENTS as in your mail dated
01.04.09 0932hrs IST you are only talking about the Promissory note and
Loan agreement document. Were these the only 2 documents that we had
engaged the day I signed on the dotted line? There were other documents for
instance disbursement memo etc where 12% was written. I am looking for that
too, can you please confirm whether that’s too in the Kolkata lockers or we
can have it earlier? If you still have any queries on the statement ALL THE
DOCUMENTS please call me. I will be happy to help you. If you can get this
before the end of April I would be very grateful to you as I have to pay
another EMI before the end of this month. If not then I would be paying EMI
for Apr 09 at the rate that I had been paying i.e. 12% pa online. Please
see that its deducted under the current heads.

The meeting day you had said that the Promissory Note is the only legal
document where I had signed & it says that I agree to pay EMI @ 13.25%. Let
me remind you that I had signed not only in Promissory Note but in some
other documents too where 13.25% was written but that only after you gave
me the confidence that this is normal and that the rate for TCS associates
is 12%. (Please correct me if I am wrong.) What about the document which
has rate written 12% pa and bears the seal of HDFC bank and the authorized
signature of the HDFC personnel. Is that not a legal document? I fail to
understand that. Can someone please explain me?

As discussed on the meeting day kindly let me know the following:-
1. All my outstanding dues including the principal amount till date (A
break up instead of the total amount will be very helpful).
2. Suppose I pay the entire amount mentioned above what’s the way forward
3. Will I get all the documents that I had submitted to HDFC bank the day I
repay the entire amount or I have to come back another day? If later then
after how many days of repayment of the entire amount will I be getting ALL
MY PAPERS together?
[Points 2 and 3 were not discussed earlier]

I believe the above 3 queries will not take much time of yours and I will
get a response quickly. Looking forward for your response.

Thanks to all for your co operation and apologies for the lengthy mail.

Regards & Thanks
____________________________________________
Kusal Prakash
Office[protected]
Mail id : kusal.[protected]@tcs.com
TATA Consultancy Service Ltd
jh
Website: http://www.tcs.com
----- Forwarded by Kusal Prakash/KOL/TCS on 04/02/2009 09:03 PM -----

Kusal
Prakash/KOL/TCS

To
04/01/2009 11:22 Kumarjit Sengupta <[protected]@hdfc.com>
AM cc
Akash Kar <[protected]@hdfc.com>, [protected]@hdfc.com,
[protected]@hdfc.com
Subject
Re: Meeting on 28/3/09Link













































Kumarjit

Continuing in the old chain so that we do not loose track of, I will come
back to you in mail by EOD today most probably. Thanks for your response. I

Sub: Mental harassment by the people of HDFC Bank, station Square, Bhubaneswar, Orissa.
Respected Sir,
I am Manaswini Mohanty. My native place is puri,my parent stay in puri, I am working as a lecturer in Rayagada,Orissa.
my father and my uncle approached to the station square branch on dated 15th jan 2010.
As per the discussion of 15th jan 2010,the bank people agreed to give us loan for the amount of Rs.4,50,000 against my father’s property and on my salary ,They had mentioned that they can give us loan for our property situated in puri
On 5th march 2010, we did our log in for the loan properly our log in number is[protected].
As per the requirement I had visited many time from Rayagada to Bhubaneswar for the documentation Purpose spending my time and money from a far distance.Everytime the bank concerned people told me everything was fine and the loan will be sanction soon, like this they had given us assurance.
On 12th april 2010, the bank people communicated my father that our loan has been rejected, and they gave us a reason that the bank has not given any loan against property situated in puri.
If this is the reason, how my sister Ms Priyamboda Mohanty ( Loan no:[protected],[protected]
had taken loan from the same branch for the property which is a part of my father’s property i.e same plot.
What is the necessity of delay the things if your bank has some rules like this ,the bank people could have told us from the beginning. Why the bank people has given us so many mental tension and wasted our valuable time.i have spent money for this process also, now I am going through a financial crunch.
As a lady I have taken so much pain and mentally harassed by your bank people.
As a responsible citizen I think this type of difficulties should not be encouraged,and I have made a online complaint regarding this in consumer forum.
Please take care of this matter and give us justice.
Thanks & Regards
Manaswini Mohanty
Old sadar thana lane
puri
752001
orissa
[protected]

DEAR SIR,
I WANT TO SETTLE MY HDFC CREDIT CARD ACCONT ,MY CARD NUMBER IS [protected] & I WANT THIS CARD TO BE MADE OPERATIONAL. SO I REQUEST TO PLZ SEND ME THE SETTLEMENT OF MY CREDIT CARD. MY CELL NUMBER IS [protected] .


REGARDS

PREM DHAR TIWARI
D-44 , GOVINDPURAM
GHAZIABAD
UTTAR PRADESH
EMAIL ID:- tiwari.[protected]@gmail.com
M . NO. - [protected]
RESI.NO - [protected]

I hold a salary account of Manpower Consultant vide Customer id: 35083897, it had got activated in the month of March 2010, While checking the Balance at the Canara Bank ATM at Bangalore SBC juntion station, it got swallowed by the ATM due to some technical reasons. On this when approced the customer care, they harrassed me saying that u have to go to the Home branch and give the request, on continuously requesting them they finally told u can go and give request to the nearest hdfc branch. After which i went to BTM Branch and gave a request vide no-ZEA[protected] as on 6-April-2010. today as on 13th April 2010, when i asked to track my ATM, HDFC people informed me that it would go to Manpower people directly and if i m not present there it would return to chennai main branch and then to Vijayanagar home branch.. They are unable to tell when shud i go , where shud i go to collect it..It is a mental harrasement for me to just get an ATM CARD. I m ready to go to Vijayanagar branch , if somebody informs that it is present in that branch , i cannot go to homebranch daily from Domlur to check whether my ATM has reached the home branch or not.

Sir,
my name is midhusha anil,was worked with hbl global pvt ltd,in credit card division(Employee No.Mo2449.)I dint get any pf amount till now.my PF Account No is 37009 .please do needful

Thanking you,
midhusha anil

HDFC Customer Relationship Number(s) : 20573113, 21912907

Contact number : [protected]

Issue : Address Change


I am visiting HDFC Bank Branch Located at Banngargatta Road, Opp Sagar Hospitals, Bangalore – 560 029 from past 3 days and always a very long Queue at counter number 1, where I can get the address change form.



Some how, I am very lucky after standing for 30 min in Queue I got the form on last Saturday and I was told to submit the address proof. Your Website also says, I need to visit the bank along with address proof.



Today, when I visited the same branch below is my experience.



Initially the person at counter Number 1 asked me to fill the form and submit the PAN card Xerox after standing in the queue for more than 20 minutes. I was not aware this as your website says I have to visited with address proof and I did the same. I ran to my home and took the Xerox copy of my PAN Card and again visited the same branch. Again a very big queue and when I requested them to just accept the form which is duly filled, she asked me to stand in the Queue. Again I was in Queue for more than 15 minutes and queue is not at all moving. I do not know what she is doing there. I fed up standing in the queue and left the premises and again visited after 1 Hr. Again the sitation is same and this time I was standing in the queue for more than 30 minutes and my turn has come finally.





When I submitted the form, I filled only Account ID and not the account number as I remember only my Account Id. She insisted me to fill the Account number as well. Agreed for the same and requested her to provide the Account number based on my Account ID for which she refused and asked me to go back to the ATM and with the help of Debit Card asked me to fill the Account number. This time I fed up as the Queue at the ATM is also long. When I explained my problem and requested her to provide the account number, she started interrogation.



Asked me to provide my OLD Address. Keeping the Long process of HDFC Bank address change in my mind, from past 3 years I have not changed my address. Same I conveyed her and asked to provide the city name so that I can give the old address details for which she refused. (In last 3 years I was in difference Cities and I could not remember my old Address) Finally I told All my last 3 years address and one of the address is matched with the Registered address.



Then She asked me to show the Original PAN Card. Same I was not carrying and I have Laminated Color Xerox of my PAN card which she refused to accept and thrown the forms.



My Questions to HDFC:



1) When competition doing the address change over phone/mail, why HDFC only has this typical process of visiting the branch

2) In this era of E-age Banking, why bank is wasting customers as well employees time ? Waste of Valuable Bank Resources?

3) Still why bank is depending on Physical Papers (one side bank spends money for E-paper,E-banking, E-Statements etc)

4) Why Bank Website is not updated stating I need to visit the Branch with Original as well Xerox Copy of my PAN CARD?

5) When banks are processing Cheques for lakhs of Rupees based on Customer Signature, why same cannot be replicated for address change? Can’t the bank verify the signature and update without Xerox Copies & Original of PAN Card when customer PAN details are available with the Bank?

6) When Customer already fulfilled KYC (Know your Customer) guidelines, why all these things are required.

7) Why corporate banks asking corporate customers to stand in the queue till their turn comes? Why can’t you implement the token system like others?

8) Why people at the counter is not giving complete and right information at the first instance itself?

9) When people are standing only in one Queue does bank manager do not have empowerment to assist that person by providing additional manpower or adjusting others who is sitting Idle in the same premises in the next 7 counters?

10) Why Payee registration will take 24 Hrs of time for new additions? When competition is doing immediately? Competition sends SMS Code for Payee confirmation or I can call the competition netbanking for payee confirmation. But in HDFC, I must wait for 24 Hrs to transfer the funds after payee registration.





Finally HDFC has to do lot many customer Friendly processes for better customer experience in this competitive world.



I expect someone will take this feedback and suggestions and make customers life earlier. Then only your Quote of “We Understand your World” is complete.



As for as my issue of address change is concerned, I fed up with this process and requesting the branch to arrange a person to my residence and collect the necessary docs and complete address verification formalities and update the bank records.

This complaint is against the fraud where HDFC bank is involved completely. I never applied for a credit card and last month a applied for a home loan with federal bank when those guys got my civil done it was showing a big outstanding against a credit card on my name whereas i never applied for one, i satrted following up with them n everytime on my mails they kept replying that will resolve my concern in 7 working days, n did not block that card even. now when i ask them about the details they do not provide and ask for the card number, how could i provide the card number which i never recieved. How could these guys activate and deliver a card to someone without even verifying. Till date i never recieved a verification call and they say that a card from my name has been delivered on 22nd Jan' 2010 itself. I am sure that the HDFC employees are completely involved in this fraud since they made and delivered a card on my name without my concent and knowledge and today i am going to file a FIR against the bank. n this is my advice to the bank to revert to me at sugandhaa.[protected]@gmail.com or i see them at the police station first and then court.

Dear Sir/Madam,


I Dharmendra Dubey was working as a Sales Executive with Hbl Global Private Ltd . Emerging Market in Jabalpur Division Under supervision of Mr. amit Bose since 28-Aug-2009 , as i m not comfortable with him and want to resign with my services but My Supervisor is not accepting my Resignation and abusing with me . it is my humble request to you please ask him to do the same .

My Employee details are:

Name: Dharmendra Dubey
Post : Sales Exe.
Employee Code: D-07276
Location : Jabalpur ( M.P)
Contact No.:[protected]

Thankyou

Your Faithfully
Dharmendra Dubey

DEAR SIR


I take a loan of 6 lac rupees for car from hdfc bank in October 2006. the loan no. is 10805091.I paid a emi of 20217 rupees regularly but after completion of loan bank claim rs 544 against bouncing of first emi cheque.but as per our bank record no cheque in bounced.on the other hand bank never intimate me about bouncing of cheque in the period of three years. please help me for taking my noc.

Dear All..

I have give the PDC cheques for the HDFC Card Payment Dated 5th of Every month but this month still the Cheque not Yet Presented.
And when the agent call me for the payment i asked to present the cheque and clear the fund's but their answer is we will check and update. but still i didn't get any reply from the HDFC Bank.
In this kindly advice me how to solve the problem.
Or can I file a suit against the HDFC Bank. Waiting for Your Reply.

CARD No. [protected]
Name. Subash. A
Cheque details which HDFC Not Presented till know.
Cheque No. 188102 ICICI Bank Cheque, Dated 5th April 2010.

Dear

I m saving account holder ( No : : [protected] ) and also having
credit card no : [protected]. I m the regular payer of my installments but from last but from date of card activation i didn't receive a single monthly statement hardcopy till date. For this I have made a complaint to customer care and as weill as to collection team for my monthly statement hardcopy many times so that i can calculate my total payment which i hv done through credit card but non of the team has helped me . Last month i received a call from ur collection executive for installment payment i ask him to plz provide me the statement hardcopy he said we are not liable for this then i said i will pay when i receive my hardcopy at my address. w/o providing me the hardcopy they have blocked my salary account on 10 march 2010 and i received i notice from bank. Dear I want to ask to u one thing that while sending notice u people find my address then why don't u send me the statement hardcopy. I m premium customer o[censored]r bank thats why my credit limit is enhanced to 200000 lakh and on other side u are treating us like a fraud customer , is this type of services u r providing to ur customers. I also talked to Abhishek verma on given mdn , i was unable to contact him second time bcoz i hv misplaced that notice which i receive from ur side.

Secondly they have also deducted my 4050rs from account without my consent and informing me.

i am requesting u please provide me the statement copy and arrange to unblock my account.

Regards
Jai Singh
[protected]

I had my salary account in HDFC bank pertaining to my first job. In feb 2008 I changed my job and opened new salary account in another bank as per convenience.
I kept my HDFC salary account open with balance of Rs. 1300 in view of reusing it if required. But from Feb 2008 I never transacted HDFC account as it was not needed. Till May 2009 , I had balance of Rs 1300 as it is in my account(have statement copy of it) then after I did not received statements for next 2 quarters. After that when I received statement for Feb 2010, my closing balance was zero.
When enquired, bank stated that they have converted my salary account to saving and have charged me for not maintaining minimum balance in saving account. In reply when I asked for register or postal acknowledgement before the account conversion, they had no answer.I never received any such notce from bank regarding account conversion and this has taken place without my knowledge.
I informed the bank that I had taken efforts to get my account closed well in advance(before this deduction happened) but everytime branch finance kept providing wrong information to my parents regarding closing process. At the end when I personally visited the bank (local as well home branch) and discussed the issue with them, I came to know that local branch had given wrong information because of which I could not close my account previously and then this deduction took place.
I brought this entire scenario into bank’s notice. But on this they agreed to close my account with out paying remaining charged but refused to refund my already deducted amount. When enquired for the reason that why the reversal is not possible, I had simply been told not possible without any firm reasoning.
Being the bank transaction I do not understand that how come reversals are not possible for wrong transactions. I have enough number mail trails explaining the scenario to bank and vice versa.
Request you to help me on this issue ASAP.

hi Dear Aritel

i am you airtel costumer I have before 20 day I face this problem I have 2time compliant in you costumer care but not sort out this problem pls as to as possible sort out this problem my Mob : no is [protected]
Regd Dharmveer kumar
[protected]

Hi,

I am a HDFC bank personnel loan customer. I paid 12 EMIs. Unfortunately, my last month EMI got delayed for 10 days. The bank executives called my old company employees and colleagues and told them I am not making the EMI payment of the HDFC bank

I resigned from the company 2 years back and i dont have much contact with that people. I had given my home landline number. instead of calling my old colleagues they should have called in my home number right?

However they charged me 450 rs for NEFT bounce and 12% as late penalty charges. Can I take any action against the bank for making black mark on my name?

Thanks

I am a long time customer of HDFC Bank Savings Account. The customercare of this bank is so horrible that one cannot find any option to speak to a customercare officer over phone. Apart from that, despite asking for several times and with repeated reminders, they just do not send me any kind of account statements whatsoever. My e-mail id is updated with them and still I do not get anything of statement sort in my mailbox while I receive alerts like debits and credits on my mailbox.

Hi!

The issue started when I applied for a new Debit Card as the one I am having is too old.

The card had reached my home branch at Charmwood Village and they called me to collect the card.

Once I went there, the bank official asked me to join their SIP/Pension Plan or take any bank loan or else I need to close my bank account on the spot.

I have registered a complaint with their telebanking but turned out to be useless as even after the promised 7 days no feedback yet.

The brach employee harrassed me infront of the other customers and they have spoiled work of that as I had to take a leave to go there. Kindly suggest how to complain against them.