HDFC Bank Complaints & Reviews

I have done a transaction to transfer Rs. X around 12:30PM on 31-Mar-2010, as per the RBI norms or mentioned on the website that any request before 3:30PM will be processed on the same day.

This transaction did not took place on 31-Mar-2010, when called the customer care on 01-Apr-2010 they mentioned the following:


1. Due to 31-Mar-2010 i.e. Year Ending process the transaction will get processed after 2 days
2. Not ready to register a complaint, as the money will get transferred within 2 days i.e. 03-Apr-2010 so the complain will be of no use as the complain takes 7 working days to attend
3. I requested to transfer back the money into my account so that I can withdraw the cash from ATM, so their is nothing to reverse back the transaction

My Query:

1. Does HDFC Bank work manually or do they have any computerized system?
2. Does NEFT process stops due to Year End? Any RBI official here to check on this.
3. Does HDFC Bank stops the NEFT process on 31-Mar-2010 to show the max deposit / profit to their investors on our money?
4. Why should they block the money of customers when they are not going to process? - the money should be blocked on the day the transaction is processed or transaction should be rejected at the bank's end if their is insufficient amount in the account.
5. On 01-Apr-2010 due to year end closing, the bank does not process ECS or do not charge the interest to customer?

RBI / HDFC officials please check the flaw in your system or provide correct instruction on NEFT/RTGS to customers so that they do not feel getting cheated by bank.

Please resolve my above queries and advise.


Thanks in advance,
Mridul

Hi ,

I had brought a HDFC children plan[protected] in 2009. An employee of Barasat branch (Sushanta) contacted me and informed that i would be refunded 30% of the 1st premium amount if i go this policy along with other gifts.
Till date he paid me back 6% of the 30% promised and is not answering the phones anymore. The Manager of the same branch is in no mood of cooperation and it seems they are doing this as a standard practice.

Complaint to the service desk didnot work complaint # HDFCSL=141-864.

While checking the policy documents , i notices they have used the cheque which i paid the first premium and then cancelled it somehow using improper practice.

I would like to get a refund of the entire amount of the premium.

Pls help

Thanks
Prasenjit

Dear Sir,

I have shopped for Rs 1000/- in JC brothers, Ameerpet on 30th Jan 2010 and paid through my debit card. I had checked my bank account statement on 3rd march 2010 and found that the amount has been credited twice. I have approached the merchant and he confirmed me that they have swiped my card only once and showed me the statement from axis bank which clearly shows against by debit card there is only one transaction showing. i have called HDFC phone banker on the same day i.e on 3rd feb 2010 @ 11.10 and informed the case. in the call the representative assured me that the amount will be re credited in 12 working days and also informed me that the complaint no will be sms to my mobile. but i never received any such sms from the banker. i have even folloed up two times in between aswell. Finally the banker had re credited my amount on 25th of march 2010 i.e after 50 days from the day of the complaint. when i have asked for the interest for the days of delay i had not received any response from them. As per me the banker has no right to hold my funds. Please advise.

Thanks,
Vamsi.

Non receipt of bank statement even after repetitive reminder to bank even not opted for email statement
Account No-[protected]
HDFC Bank Ahmedabad

This is a complaint in Reference to the below mentioned Loan Account.

Name : Ravinder Singh Rawat
Loan Account No.11223241
Type : Personal Loan
EMI start date : 07/04/2007,
EMI amount : Rs.2334.00

The EMI of Rs.2334.00 for the Month of April 2009 was not debited from my account [protected], even my account is having a balance was Rs.3426.25
and i had charge a Cheque bounce charges of Rs.33.00 on 15/04/2009.

As I confirm my Personal Loan account balance at Customer care (HDFC Personal Loan Team), they are asking me to deposit a balance of
Rs.3767.00 approx. (Rs.2334.00 Installment + Rs.900.00 Cheque Bounce Charges + Rs.533.00 Late Payment Fees)

Q. Why should i pay the Cheque bounce charges & late Payment Fees ?
When i am not responsible for the Non -Debiting of E.M.I.

My Account is Having sufficient fund to pay the EMI and it is HDFC fault that they had not charged the Installment.
and at the End of the Loan they are asking for another Rs.1433.00 for these extra payment is not justified.

I am attaching the Scanned copy of my Pass book that clears the Amount at the date,

Request you to Check the Matter and Waived off the Extra Charges Rs.1433.00 (Rs.900.00 Cheque Bounce Charges + Rs.533.00 Late Payment Fees),

I am Ready to pay the Balance EMI of Rs.2334.00 ONLY,

but request you to offer a letter showing the Corrected Balance and waiving off the Extra Charges,

and also request you to Provide the NOC in the Same respect.

Waiting for Prompt and Positive Reply from your side.
--
Ravinder Rawat

Dear Sir,

I had applied for HDFC credit card & I had message from bank that your credit card is delivered. As I am going for service early in the morning & return late night, my mother stay at my home during the day time.
It was told to me that Card is delivered through Express IT courier service & they will call you first & come to your home. But no call is received on my phone & at my residence.
Yesterday I got SMS that your card is returned. How this can happen ? Is this the way to give service to your customer? Please do the needful Deliver the card immediately.

I am out of station for atleast month for company work & return in first week of May. Please call at my residence before delievery.
The details are

Mandar Karandikar
EXPRESS IT AWB # H[protected]DT-20/03/2010

Regard,
Mandar Karandikar

i am a customer of hdfc bank since last eight months .my a/c no is [protected] .i am unable to access my netbanking till date with the given password.please do the needfull in this regard.


yours thankfully

y p singh

Complaint raised in HDFC bank ref # TF[protected]

I got Car Loan # 11120334 from your bank and cleared 31 months payments. Unfortunately six months back I lost my software job due to recession, so I'm facing so many financial problems and my entire family getting mental agony.

In this duration I was not able to pay five months installments, and I expressed this information to your local executives and said them that I was looking for final settlement and was asking them many a times for settlement, but they could not turned up. The local loan manager folks Mr Kiran and Mr Ananthraj Bhatt are trying to show their heroism and trying to use unparliamentarily abused language and not responding properly and they instructed some body-building agents to threaten me and my family and my property. However, they forcibly taken over my car lock from my hands, in this case, I approached to Jubilee Hills Police Station and lodged a complaint against them, even they are not caring to the Police Department also.

Please save our lives

Thanks,
Murali - [protected]

I have taken a 2 loan totalling 3 lacs from HDFC for an interest rate of 7.5 to 8% . Accordingly I had signed an agreement with HDFC for a monthly EMI of Rs.2868/-

Till date I have paid the said EMI of Rs.2868/- without fail.

But when inflation increased from 5 to 15 , HDFC had increased their interest rate to 13% from 8%.

Later inflation reached deflation of -2% from 15% , still HDFC did not reverse their increased interest rate from 15% .

Earlier HDFC had increased interest rate to all their customers , therefore I paid the increased difference.

Now MY COMPLAINT :

HDFC splits their customers into two 1) Old 2) New

For new customers they have reduced interest rates back to 8 to 8.75% whereas they insists old customers to pay 13% interest rates. WHY?

THIS SHOULD BE STOPPED IMMEDIATELY , INTEREST RATES SHOULD BE TO ALL HDFC CUSTOMERS IRRESPECTIVE OF OLD AND NEW .

REQUEST YOUR INTERVENTION IN THIS MATTER.

DURING LOAN DISBURSEMENT 4 NUMBERS OF BLANK CHEQUES WERE TAKEN FROM ME AS PRE EMI AND 12 NOS OF CHEQUES AS EMI. BY REFERING ONLINE STATEMENT OF CHEQUES, IT CAME TO MY NOTICE THAT HDFC HAS USED MY 2 BLANK CHEQUES AS PRE EMI AND 1 BLANK CHEQUE AS EMI WITH OUT TAKING MY CONSENT. AND STILL 1 BLANK CHEQUE NO. 103419 IS WITH HDFC. MANY ONLINE QUERIES WERE SENT TO HDFC MYSORE BUT NO RESPONSED RECIEVED.

1. Refer HDFC Insurance Policy No. 12697604.

2. Firstly, I had never applied for this insurance policy. However it consists of all my details and my signature (forged) as per the photocopy of the policy papers that I have recieved.

3. The company customer service claims that I had given an initial DD worth Rs. 50,000 for the policy which can only be claimed if I go through with the three year policy term and timely payment of all the remaining 5 installments.

4. I have the following grievances against the company-

(a) False documentation for the insurance policy and forgery of signatures.
(b) Persistent mails suggesting need to revive the policy at the earliest.
(c) No support to close the policy and assistance in finding the culprit who has raised the policy on
my name.
(d) No support to find out the sales executive who was instrumental in raising the policy.

5. The only deductions that I can sum up from my experience is that the company or its sales representatives have designed a nefarious way of luring the consumers into opting for the policy by forging documents and stating that an initial payment of Rs. 50000 has already been made so far thereby urging the consumers to make the entire payment.

6. On calculation of the entire benefits, it is evident that the so claimed initial investment of 50,000 (as claimed by the company to have been done by me) is not at all calculated and will not in any case be refunded.

7. Sir, Please assist me in finding the exact details as this type of forgery may entail major financial losses as my main salary account is in HDFC Bank which in itself is a sister subsidary of HDFC.
With Warm Regards
Anand

Hello,

I am Sarita Gandhi i had taken a policy from HDFC STANDARD LIFE INSURANCE in march 2009. My policy number is 12841183 and the premium amount is Rs 90000/-. Actually i have a complain against HDFC STANDARD INSURANCE that i have not recived any policy documents yet. I am not in a good mood and totally harrased by the company so i am sending this mail at this time because i am not able to sleep in the night because of this kind of stuff which i am suffering from last four month. I am forwading all the conversation which is going through their service department. I[censored] go through this mail you definetly know that at what all this going on. People dnt know how to talk with customer. As per IRDA law when the policy documents has not recived customer cancil the policy at any time. I dnt know what to right because i am suffering from mentally disturbance by all this stuff. Rs 90000/ is not a small amount for me. They lost my documents and said we had sent the documents on 13/04/2009 nd recived by MR B.S gandhani i dnt know who is he. I said to him please verify take your on time but same answer we had sent the documents. I also said that please check the sign there which is in pod and hire some signing expert and check the sign i pay for this but no answer. I belive that this time i definetly get a justice. PLease do the needfull and go through all the conversation.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]




Dear,

Thanks for your reply and really thanks for making me fool for the last four month. As per the IRDA law when we recived the documents we cancil the policy within fifteen days but here i have not recieved any policy documents from your side.Now you see what i am going to do. And really want to say that i am not going to pay any premium because you people are such a liar.This few month is really a hell for me.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]





[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, March 24, 2010 5:15:04 PM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs. Gandhi,

We refer to your e-mail dated 27/01/2010, wherein you have stated your apprehension with regard to the free look cancellation of the aforesaid policy due to non receipt of the policy documents.

We apologise for the delay in resolving your e-mail complaint.

In this context, we would like to inform you that the policy start date was on 31/03/2010 and we have despatched the policy documents to your correspondence address on 09/04/2009 which was delivered on 13/04/2009.

We came to know that you have not received the policy document only when you complained in the month of December 2009 for the first time stating non receipt of the policy document.

We regret to inform that we are unable to cancel the policy in free look period, as the request should be submitted within 15 days from the date of receipt of the policy document. We have reprinted the policy documents and despatched to your correspondence address today, which you will receive shortly.

We hope to have addressed your apprehension.
Looking forward to a long-term relationship with you and assuring you the best of our services always.

Warm Regards,

Kausar
Customer Service Officer
********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:
Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request- sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com

Policy details are just a click away! Register for “My Account” on www.hdfcinsurance.com . Just provide us with your Client ID/Policy No., Mobile No. & E-mail ID & get your account activated!
********************************************************************************...⇄
GET PREMIUM RECEIPTS.” To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/ ********************************************************************************...⇄
Regd. Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai-400020

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Saturday, March 06, 2010 01:27 AM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Cc: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Re: Policy No. 12841183

Dear kausar,
Please Mr Gagan Anand Go through this mail and before all the conversations also atleast you definetly help me on this because know i am very depressed.

It has been already more than a week for last reply on my mail and more than Five or Six months 2 doing all this kind of stuff. You all are making me fool. Please let me know when i get my money back because its had been almost more than 11th month without any proof i mean no policy documents. I am not in a good mood seriously you are testing my patience. This is not good when you all are give my money back when i will die?This is totally a harrasment case dont force me to do something to take further step . and one more thing this is not acceptable all why i take duplicate documents when i have not recieved original documents by your side. I just want my money back.
I know you all are very rich people but this is not a small amount for me and my family also you should understand this.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]




[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, February 24, 2010 2:58:34 PM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs. Gandhi,


This is to confirm that we have received your complaint through e-mail and it has been registered under Complaint No. 93426.

We will get back to you with the resolution shortly.


We assure you the best of our services always.



Warm Regards,

Kausar

Customer Service Officer.

********************************************************************************...⇄ "TAX DECLARATION" is here..with "MY ACCOUNT" have no fear! Now print premium receipts at your convenience. To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/

********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:

Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request through SMS – sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com or visit our website www.hdfcinsurance.com
Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate , Mumbai - 400 020, India.
********************************************************************************...⇄

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Tuesday, February 23, 2010 12:39 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: RE: Policy No. 12841183

Dear Kausar

first of all thank you very much for reply but again i must say first i contact you on 22/02/2010 after that you replied me on email lets forget it. I am sending that indemnity bond which i submitted to your vikas puri branch on 03/12/2009 to mr anil rawat and yes one more thing i just want to share with you this is my last mail to you and i want positive reply in a week only because it has been 11 months i took the policy and i have not received the documets yet. please dont force me to take any legal action. I am very depressed now really very depressed.And last but not the least why i take duplicate bond when i have not recived any original documents from your side. I just want my money back. my money back.

Thanks
Sarita Gandhi
[protected]
--- On Mon, 2/22/10, [protected]@hdfcinsurance.com <[protected]@hdfcinsurance.com> wrote:


From: [protected]@hdfcinsurance.com <[protected]@hdfcinsurance.com>
Subject: RE:'HDFCSL=097-217' Policy No. 12841183
To: "sarita Gandhi" <[protected]@yahoo.com>
Date: Monday, February 22, 2010, 7:21 AM


Dear Mrs. Gandhi,


As per the telephonic conversation held today (22/02/2010) with Mr. Kewal Krishan Gandhi, we would request you to e-mail us the scanned image of the Indemnity form which you submitted at the HDFCSLIC Branch.

We assure you the best of our services always.



Warm Regards,

Kausar
Customer Service Officer.

********************************************************************************...⇄ "TAX DECLARATION" is here..with "MY ACCOUNT" have no fear! Now print premium receipts at your convenience. To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/

********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:

Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request through SMS – sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com or visit our website www.hdfcinsurance.com
Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate , Mumbai - 400 020, India.
********************************************************************************...⇄

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Thursday, February 11, 2010 09:43 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Fw: Policy No. 12841183

Hello,
It has been almost 14 days but no reply from your side. when i get my money back.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]



----- Forwarded Message ----
From: sarita Gandhi <[protected]@yahoo.com>
To: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
Sent: Wed, January 27, 2010 11:12:28 PM
Subject: Re: 'HDFCSL=097-217' Policy No. 12841183


Hello,
In reference to your mail i want to make very clear i have deposited the indeminty bond to your vikas puri branch on 3rd december 2009 and i have the recieved copy of the same with me so i wont give indemnity again.I dnt want my policy documents i just wish 2 know when would i geting my money back. I am not at all satisfied with services of the company after spending my Rs 90000/- i am still running 2 get my documents and i am very much harrased. Again my personal request to you please cancel the policy.And one more thing i want to clear you. My permanent and my correspondence address is same its "17-A Pkt B vikas pure extn. delhi-110018. Thanx a lot for replying me.Atleast you understand the state of mind which i am passing on. Please last time i am going to request you CANCEL THE POLICY AND REFUND MY MONEY.
Thanks for your support.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]



[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, January 27, 2010 11:36:05 AM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs.. Gandhi,

We apologise for the delay in resolving your email complaint.

We refer to your email complaint dated 14/01/2010, wherein you have stated your apprehension with regard to non receipt of policy document.

In this context, we would like to inform you that we had despatched the policy document to your correspondence address via Overnite Courier on 09/04/2009, which was delivered to Mr. B. S. Gandani on 13/04/2009 at 12:12 HRS.

As you have not received the same, we would request you to submit the Indemnity form (attached below) along with the copy of this email at any of our HDFCSLIC Branch.

On receipt of the same, the policy document stamped as 'duplicate' will be sent to your correspondence address bearing the original terms and conditions.

Kindly visit our website www.hdfcinsurance.com for branch locations and their addresses.

Further, as per confirmation from Mr. Anil Rawat (Operations Officer - HDFCSLIC Vikas Puri Branch) he received only the Complaint Letter and did not receive any indemnity from your end.

We hope to have addressed your apprehension..


Looking forward to a long-term relationship with you and assuring you the best of our services always.

Warm Regards,

Kausar
Customer Service Officer.

********************************************************************************...⇄

"TAX DECLARATION" is here..with "MY ACCOUNT" have no fear! Now print premium receipts at your convenience. To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/
********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:
Call us toll free on[protected] or[protected] (Any phone)
Send us a call back request through SMS – sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com or visit our website www.hdfcinsurance.com
Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate , Mumbai - 400 020, India.
********************************************************************************...⇄

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Thursday, January 14, 2010 04:09 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Cc: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Fw: about my policy documnets 12841183





----- Forwarded Message ----
From: sarita Gandhi <[protected]@yahoo.com>
To: [protected]@hdfcinsurance.com
Cc: [protected]@hdfcinsurance.com
Sent: Thu, January 14, 2010 3:35:25 PM
Subject: about my policy documnets 12841183


Hello,

This is bring your kind notice that I Sarita Gandhi taken a policy in march from your company. My policy no. is " 12841183". I complained so many times that i have not receive any policy documents .I said so many times that i have not received documents to your manager but after no response then i contact customer care on "24th nov 2009" and before also then some person said documents has been delivered to your home you must have get it 2 to 3 days. After a week i again contact your customer care then someperson said " we have not delivered the policy documents yet we have take to decision there is so miss communication" then i thought whats going on i asked 2 him what i do....the person said go to any nearest branch and full fill some formalities.Then i contact your vikas puri branch there is some anil rawat i asked to him where is my documents but same ans "dnt knw" then i had done some formalities like indemnity form and gave a complain letter. After 1 week i have no response from there i had gone to your paschim vihar branch to give a letter for cancil the policy they also dont knw where is my documents. After few days when i visited to your branch then i knw that some Mr B.S Gandani received the documents i dnt know from where he came into the picture again i am very surprised from your services when i went to your branch then i knw otherwise no information from your side .But i confirm you that I dont knw who is he.I dont know why you are doing all this kind of noncence. Do what you want any verification we are ready for that.
I am totally HARRASED, MENTALLY & PHYSICALLY disturbed. You people must have deducted many charges for the policy servicing. You people please check your services. I am not liable for the lost of policy document..
Last but not the least..please do the needfull & reverse my money back as soon as possible otherwise i have to take further steps.
Rs 90000/- is not a small amount for me atleast this time i trust on you and get full justice. I just want my money back.

Thanking you
Sarita gandhi
[protected]













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DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
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Please do not print this email unless it is absolutely necessary

********************************************************************************...⇄
DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
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Please do not print this email unless it is absolutely necessary

********************************************************************************...⇄
DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
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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