HDFC Bank Complaints & Reviews

Sub: Regarding Personal Loan rejection ( application ref. No.[protected] HDFC).

My application for apersonal loan from HDFC Kochi was ejected sighting the reasonthat I have Housing Loan and Credit Card dues, as per online information, the Bank claims to have gathered from www.infocivil.com. I would like to inform you that I have not availed of any housing loans in my name from any financial instituition: I do not possess any cred cards either.

My personal identification detailsare given below for your varification
Name: Josy Joseph
Address: Cheruvallikkattu House, 252/22, Cherthala.
Date of birth: 27.05.1957
Voters ID Card No.: KL/15/098/072545
PAN Card No.: AGCPJ 6965B

I would like you to provide mewith all the details regarding the source of this wrong information and the details ofthis so called loans. Kindly inform me what is to be done from my part to undo this mistakewhich would cause me financial liability as well as tarnish my reputation.

Thanking you in anticipation.
Yours sincerely,

Sd/-
Josy Joseph
Mobile No.: +91 [protected], E- mail: [protected]@gmail.com

Hi,
I'm Arumuga Perumal.M from chennai....I applied personal loan in HDFC Bank & My Personal loan got approved by HDFC Bank on 31st Dec,2009 (I got approval sms from HDFC Bank)..My Personal Loan A/c No:15941961. But still now (04,Jan 2010) my P loan not yet credited..Reg this issue, i called up so many times our HDFC P loan representative Ms. Selvi (Mobile No:[protected]) ..But her response is so poor..Many times she's purposefully not attending my call & Her poor response mekes meo irritated specially by Selvi (Mobile No:[protected]) ..Kindly do the needful so that my Personal loan get credited in my account..Thanks in Advance..My mobile no: [protected]


Really i got fed up by HDFC's poor service

Hi,

My Account No.: [protected] and my home brance is in , LAWRANCE ROAD.

They people had hold the amount of 23000.00 from my saving account, when i went there and asked them that why you have hold the amount from my account they told that you have take the loan and you have not paid the EMI.

i was shocked because i have never taken any loan,credit card from any bank in my life.

when...

Dear Sir,

I applied for a Home Loan from Union Bank of India. *UBI official did CIBIL report enquiry, and they told me that there is a Joint, Education Loan of Rs. 1.65 Lakhs ongoing, opened on 27 Dec 2008.*

I contacted CIBIL and as per information received from CIBIL, this Education loan A/c is HDFC Bank, and A/c No is 14256203

This information is INCORRECT as I have NEVER APPLIED & NOT TAKEN any education loan from ANY BANK. I have never ever been a customer of HDFC bank and never used any of their services

I request the concerned authorities to please get it checked and correct the details in in CIBIL Report. This is a criminal case of 'Identify Theft against HDFC bank" updating the wrong details into UNKNOWN PERSONS's CIBIL REPORT.

My CIBIL Control number is[protected] and Member id is BN01171091.

Looking forward for an immediate response from you,as my home loan process has been halted because of this wrong information.


Thanks and Best Regards,
Ashish Singhal
Ph. [protected]

Dear Sir,

This is with reference to my DEMAT ACCOUNT NO> 26201634 DP ID > IN 301151 with you I have complain against my depository M/s HDFC Bank ltd Fort mumbai as under


FACT OF THE CASE

I had open a demat with the HDFC Bank ( Hereafter refer as Bank) , At the time of opening of account bank personal is tell me that certain AMC charges is debited to your account against our DP services from second year and first year AMC is totally free to you.


Now at the time of completion of first year bank has charged Rs. 551.50 (500 + service tax) to my account for advance AMC charges against Second year demat Services. When I see the charges debited to my account I was rushed to bank for closing of demat account and ask for reversal of pro rata charges to my bank accounts

But bank personal is denied for reversed the charges and reply that this is bank policy.

Now sir this is my request that please go through the case and ensure the reversal of above charges as I am not using any services from Bank.


Thanks & Regards,

CA Manish Malpani

ACA, CS, DISA (ICAI)

Mobile [protected]

Landline [protected] Ext 27

Policy no. 12825957

I am a Policy holder of HDFC Standard Life Insuarnce, the policy number mentioned above.

I registered this policy to get and know about the Policy on 29.11.2009 only and really surprise to know the details of the Policy.

When I filled the Form at their Kolkata (Jeevan Deep-Middleton Street) Office then a Lady who took the signature explained me a different policy which is related with Loan from HDFC Home Finance to cover the Loan and Life. The policy which was explained me was for 5 Years prmium payment and sum assured for Rs.5 Lacs equivalent to the loan amount. On that basis I submitted a Cheque of Canara Bank. I took the loan as an NRI and before leaving India in the month of December'08, there was a standing instruction to HDFC Home Finance to add the first year prmium with my Loan Amount and returened back the said cheque.

When I came to know about the Policy then I requested to HDFC Standard Life Insurance to return back my money with Interest. Here, I like to inform that the amount of Rs.50,000/- 1st year premium was also taken as loan from HDFC Home Finance.

In reply, to that they have narrated a false story and replied as follows :-On conducting a detailed investigation on this matter, we have concluded that all the features and details of this plan were explained to you at the time of taking the policy. Hence we are unable to treat it as a missale.


Please look into matter and arrange to take necessary action.

R s/m,
i m hdfc bank act holder. i have lost my customer Id.i have an act of Pune.
but presently i m located at bhandara near nagpur.
could you plz send my customer id to my mail act or my phone number..
plz. life is becoming very difficult with out it.....

I have paid the bill of Rs.1183 purchase I made from Vishal Mega Mart Sec.14 Gurgaon with my HDFC Debit Card. The amount got deducted twice from my account. I sumitted the complaint regarding the same to the phone banking; complaint number: DEL151686 but to no avail. They say that the transaction was never credited to my account. The reference number and date of transaction are as follows:
01 Dec 2009 POS [protected] VISHAL RETAIL PV[protected] Dec 2009 1183.00 46302.35
01 Dec 2009 POS [protected] VISHAL RETAIL PV[protected] Dec 2009 1183.00 47485.35
even if now they say that the amount is not credited then I believe they need an eye check. When I asked the customer rep. to help me to get my money back she told me all she can do is file a complaint and gave me excuses and asked me to go to the Branch and fill a form or something. Its so disappointing that I have stopped using HDFC Debit card and planning to move my account to some other bank which can be more helpful.

Dear Sir/Madam,

I am a financial advisor (agent) of HDFC Standard Life Insurance Co Ltd., and my advisor code is 00042010. My IRDA License expiry date was 11/2008 and when i contacted the company for renewal they completed all the formalities and after one month or so a new agency code was provided to me by the company 00333940.

I contacted the company on this and they refuse to provide me my old advisor (agent) code and now i am unable to give service to my old customers as all the details is in my old advisor code.

So kindly help me out to get back my old advisor code.

Thanks & Regards

Anil Kumar Agarwal
[protected]

I have closed my HDFC Credit card No.[protected] long back. I would like to have a No Due Certificate from theBank.

sir im from goa india and have a credit card from HDFC BANK .one person called me from call center and told me he gonna give a health policy through my credit card.i tried telling him long time i dont want that policy then i gave him an excuse that father is not at home and i have ask him regarding that.he told me i gonna receive a conformation call after sometime you say ok to them and then he will call me in two days and take my final answer whether yes or no and then he will act foward,but he didint call me .after a weeks time the policy came to my house which i didnt want ,i tried to cancell it when somebody else call me regarding the credit card i used to tell them to cancel the policy but nothing was helpfull.then i went to HDFC BANK margao and gave a application to cancel the same but the time it was two months and i paid two installment already coz i didnt know that i was paying for the premium as i had done a lot of shopping.so now at last the policy is cancelled but ive to pay 3500 rs for preclosure of the policy which i didnt want to take before.i feel its a wrong thing from the bank side by forcefully giving the policy by hook n crook and then charging money to cancel the same.please i dont want to pay any money to the bank but one problem i had some credit on my credit card account which i had received from cathay pacific as i had cancelled the flight ticket.and the bank have deducted rs 3500 from credit balance which i had.please try to help me as i want get my full money back the installments as well a the preclosure fees from the bank.thanking you in advance awaiting for your positive answer.
whitebud alemao

I took the HDFC credit card in the year of 2006 and blocked in the same year. I never used this HDFC Credit Card for any transactions. The HDFC credit card deparment themselves purchased “Bajaj Life Insurance policy” on March’2009 without informing to me or my approvals for the blocked card. Then HDFC Credit card division deducted amount of Rs.7245.77 from my HDFC Savings A/c on Nov'2009. I came to know all these transactions once the amount deducted from my Savings Account.

Could you please help me to get my amount back?

Details:-
RBI Complaint No : [protected]
Name : Saravanakumar R
HDFC Credit Card No : [protected]
HDFC Credit Card returned on : 2006
Complaint Details : Amount deducted by HDFC Credit Card division from my HDFC Saving A/C on, 19-Nov-2009 of Rs.7245.77 for Bajaj policy taken by HDFC Credit Card department without communicating/notifying to me and without my approvals.


Thanks in advance.

Regards,
Saravanakumar R
Mob:+91-[protected]

Dear Sir/Madam,

This is with reference to my credit card no. xxxxxxxxxxxx4401(HDFC Bank), I would like to point out that I am an old customer of HDFC and regularly clear my dues except in a few exceptional cases in which I have been late due to some financial exigencies.



But one of their branch in Rajouri Garden, New Delhi, Phone no. [protected] (Caller name Mr. Gaurav Sharma, the number given by him was [protected]) abused and threatened today regarding payments where as I have already made payments except for the current month which I have already assured to make by 4th / 5th of January 2010.

The kind of response and talking I have received from the agency is really pathetic and can’t be told in public.


I hope the bank like HDFC should not tolerate this kind of behaviour from its agencies towards its customers.

Also I want immediate action against the said agency. Kindly help me the procdures for these kind of complaints.

Thanks

Regards,
Sunit Acharya

Dear Sir,

I am holding a account no. [protected] in HDFC Bank, Sec 14, Gurgaon. On 21st of Dec 2009 I have deposited cash of 10k through ATM loacted at Sec 14 Market, Gurgoan. but from the bank I got credited on Rs. 5000 they are stating that i have deposited on Rs. 5000 in that envolope. I found Short Rs. 5000.
I have given complaint against it but not yet resolved and they are stating the same.
I got a call from the callcenter and they informed me that the deposited amount was only Rs. 5000.
Can you please look into this matter immediately and get me a positive response.
The Bank Official are not co-operating for the same.


Thanks,
Manish Kumar Gupta

SIR AFTER MY REPEATED CORRESPONDENCE REGARDING MY LOAN AGREEMENT LTBDR[protected] WITH UR BANK NO BODY IS LISTENING. MY DUE EMI AMOUNT 1300 FOR THE MONTH OF JUL 2009 WHY IT IS NOT DRAWNED FROM BANK ONCE I HAVE PAID ALL CHEQUES IN ADVANCE AND SUFFICIENT AMOUNT WAS AVAILABLE . IF THIS IS YOUR CLERICAL MISTAKE WHY I SHOULD SUFFER FOR INTEREST ON DUE AMOUNT. AS AMOUNT IS DUE I AM READY TO PAY RS 1300 IN ICICI COUNTER BUT NOT INTEREST.
I HAVE ALREADY DISCLOSED ALL DOCUMENTS REQUIRED STILL IF IT IS NOT SOLVE I AM FORWARDING THE MATTER TO CONSUMER COURT.
I THINK THERE IS NO ONE TO LISTEN IN THE BANK. MY LETTER TO MR SHIVA KUMAR TADIKONDA NODAL OFFICER ALSO SHOWS NO SOLUTION.
THANKS THIS IS FOR YOUR INFORMATION .

Hello Sir/Madam,

Subject : CAR Loan Approval delay ; ITO head office HDFC Bank

This is Suraj Prakash Prdhan, resident of Model Town II, Delhi 9.
I have my salary account in HDFC Bank, Noida.

I had pre-approved CAR Loan with HDFC Bank, so with the thinking that loan disbursement will shorter time , I had applied CAR Loan through Online in your ITO head office.

Each and every formality of loan processing is completed. But HDFC folks have specified Model No of CAR wrongly. And just to update the model number they have taken two complete day. I had made to wait there in MGF Hyundai showroom since 1 pm to 6 pm yesterday 28th Dec. Each and every time HDFC folks ensuring that model change will be done shortly. and at the last around 6 pm , i got to know that server is down. It has not been done yet today 29th dec.

I have applied loan amount for 2.75 lacs (where as pre-approved loan limit is 7.5 lacs). I have applied for "i10 1.1 magna " however they have specified the model wrongly "i10 1.2 magna". What i need is to change the model number and get the loan approval asap.

Contact person in HDFC ITO (who is taking care of car loan):
Name : Niranjan
Mobile : [protected]

Name : ekta jain
Mobile : [protected]

I will be highly grateful to you for your kind help !!!

--
Thanks & regds,
Suraj Prakash Pradhan
Mob: [protected]
3-F, Police Colony
Model Town II
Delhi 110009

I, Gopal Chandra Dey residing at 16, Suren Tagore Road, Kolkata – 700019 do have both my Personal & Business accounts with HDFC Bank Golpark branch right from the day of the Bank’s Inauguration period of around[protected].

It’s been a very good relation and I had numerous Fixed Deposits and got lot of business transactions with HDFC Bank. I was having a high respect and trust in HDFC Bank and their policies.

Until I came across in[protected] few of your people like Mr. Kaushik Haldar from HDFC Standard Life, Mr. Arjun Banerjee from HDFC Bank (Golpark Branch) & Mr. Sanjay Goswami – Relationship Manager HDFC Bank (Golpark Branch) for last 2 years with 100% Fraud as well as Misleading Commitments regarding selling of the abovementioned Policy of HDFC Standard Life – Pension Plan.

Mr. Kaushik Haldar of HDFC Standard Life had visited my shop “The Gucci Fashion Valley” alongwith Mr. Arjun Banerjee hearing I got a FIXED DEPOSIT in HDFC Bank from Mr. Arjun Banerjee and have tried to convince to go for the abovementioned Insurance Policy. I have numerously told them I’m not so aware of such policies in the market and it is real tough for me to understand the concept of these sorts of Policies which are Unit Linked or something like allocating my Money to Company Bonds.

But even after my continuous negative reply they hammered me for around 25 occasions showing me this Policy will not only cover my life risk but will also give me a better benefit about 90% growth within 3 years if I split my Fixed Deposit which is just giving me around 9% growth per year and deposit a onetime Rs.20 Lakhs in this Pension Plan Policy rather than only getting 9% annual benefit. I told them there is no such thing I ever heard, both of Mr. Kaushik Haldar & Mr. Arjun Banerjee told me due to regulations of IRDA (Insurance Administrative Body) this can’t be proclaimed or advertised and compared to lot of other policies like of LIC/ TATA AIG etc. who are not giving such benefits.

The BIGGEST MISTAKE I made, is to finally go with their words in December 2007 and transferred Rs.20,00,000 from my Fixed Deposit toward onetime premium of HDFC Standard Life – Pension Plan Policy Number:11466812. See, I am a very simple businessman and since I was having complete trust over HDFC Bank and their people I have been overwhelmed by their benefits through this plan after repeated hammering by those 2 people (Mr. Kaushik Haldar & Mr. Arjun Banerjee) and fell in their trap of Fraudulent Commitments and Misleading that my money will be invested in Bonds to get such hike. My step was based upon trust for 15 years rather than understanding the entire misleading concepts they have forwarded to me.
I’m completely stunned around the next year December 2008 when I suddenly got a notice from HDFC Standard Life for Rs.20 Lakhs as the Next Year Premium. I have gone to HDFC Bank Golpark Branch enquiring regarding this, I met Mr. Sanjay Goswami who let me know that it was done in a mode of Rs.20 Lakhs Premium every year and my entire first Premium is invested to Shares rather than Bond and due to Share Market turbulence my Rs.20 Lakhs has been reduced to Rs.9 Lakhs during December, 2008. Hearing this I was completely speechless, it means a complete loss of Rs.11 Lakhs. I asked Mr. Sanjay Goswami how this could be possible, how you people can cheat me like this and mislead me. He told me not to bother it will be ok once the market regains my money will be again counting to 90% benefit as told by the executives and forwarded me a paper from his computer with proper computation on my Policy which shows my Money will definitely rise to an amount of Rs.39 Lakhs at the December of 2010. I asked him to stop my Policy or convert it to Bond system and get me my full money back, but Mr. Sanjay Goswami told me according to the policy it is not possible better wait for the right time for atleast 1 year and as per banking analysis the market will definitely rise and by December 2009 I will be having Rs.32 Lakhs as my Policy Value and then you can convert it to Bond system so that their will not be any risk. I told him how I can believe him, he gets me a Paper Printed (mentioned just above) with Computed Return on my Policy alongwith his corporate email ID printed in it and his Business Card and told he is a Relationship Manager and he can’t mislead people sitting in Bank. It is the executives who had misleaded me due to lack of training and he had apologized for that and assured on the returns once again and to keep trust in HDFC Bank. And for keeping the policy running I must give the minimum possible Premium which is Rs.10,000 annually. I felt somehow assured sitting in bank and on his request had given a letter to convert my premium to Rs.10,000 and given the premium also.

Now, this year they have given me the regular notice for the Next Premium I have enquired about my policy and found it is still Rs.16 Lakhs approximately not even the money I deposited as my first Premium. And now I strongly believe this is somehow a gambling done in disguise of Life Insurance Policy, and it may anytime go to Rs.5 Lakhs or to NIL at any period of time due to share market.
So, see what I’m left today is a complete disrespect for your Bank and allied services and your great Misleaders and Fraudulent commitments given due to my less knowledge in these areas. If my money had been with normal FIXED DEPOSIT system it should have increased to around Rs.24 Lakhs by now where as felling in your trap of cheating the old customers like me I am running in a NET LOSS of Rs.8 Lakhs. This is what your people and your system has caused me and my present financial scenario has suffered a much for this.

Dear Sir/Mam,

This is in regard to the Problem faced by me for cheque number[protected] of HDFC Bank,

I deposited a premium of Rs 39684 for LIC through above mentioned cheque on 5th Dec-09, the policy number was mine and the cheque was also of mine, prior to that I also I have deposited cheque for my other policy but no problem was there at that time but this time my cheque was dishonoured mentioning that "SIGNATURE DIFFERS",

firstly cheque was for a policy that was of mine itself (Saurabh Gupta) and cheque was also of mine,
secondly I have never faced any problem prior to that for he same,

The matter of dissatisfaction was that neither I was given any Info on Phone nor I received any mail from your side, this I came to know when I checked my account,

I paid the premium on exact date but due to it I got delayed by 21 days in submitting and then had to resubmit, which has spoiled my Image in view of LIC,

Secondly If I wudn't have checked my account for almost a month I wud not be knowing the same,

for an example if a case happens like that and policy cudn't be renewed and GOD forbid Sum One dies then Claim will be hanged and WHO WILL BE RESPONSIBLE FOR THE SAME for Such cases,

Also due to it I got my Receipt of LIC with statement Cheque Dishonoured.

I also paid Rs 125 extra for the same (for no reason),

I would request you to check the same as It has really Hurted me a lot, I was really happy with HDFC but such Incident has disturbed me a lot, whenever there is a new scheme, HDFC Executive calls multiple times but for such incident I wasn't been Intimated, WHY??

Please look into the matter and revert ASAP.

BR///Saurabh
+[protected]

I applied for an HDFC bank credit card in 2008, the executive who visited my office asked me to sign the forms saying i am in hurry and have some personal (financial & some one unwell at home) & fill will up the forms later and collected xerox copy of my documents.
I specifically told him my requirements,first he did not give me any application no neither copy of the form also he told me i will get the card in 10 days but it was more than a month.
When i started using the card i came to know about some different terms & conditions.
i called the call center & told them i have done 2 transactions i will make the payment & you disconnect the card as i am expecting & will make the payments after 1 month and please consider.
They said OK but started charging me late fees & service tax inspite of executive promising me that it will not be charged.
then i get a call saying make 500 payment & we will send you a settlement letter,i paid rs1000 to the executive who visited me.
Till date i have not received any settlement letter,also a lady called me for payment reminder & i disconnected saying i am busy but she kept calling me & called me 28 times in 20 minutes to harrass me & kept my phone busy.
This is sheer tortue & also spoke to me rudely.

Dear Sir ,

We would like to bring to your notice that i was holding a credit card of HDFC Bank ( Credit Card No- [protected]) which due to some financial reasons there was a delay in payments of the outstanding in the credit card account .

I have been receiving threat calls from HDFC bank from one of the ladies representative namely Miss . Natasha ( NO. [protected]/5300/5100 -) that i need to pay the outstanding of INR 3400 out of the total outstanding of INR 71000/- else i need face dare consequeces like they would be sending goons to kill us and my family members and relatives . I have been assuring her that i would be making the payment a of INR 15000 by coming 1st of January 2010 and the whole payment would be paid of by 01/02/2010 but she was abusive and started screaming . When i asked her to pass on the call to her senior she was not ready to do the same .

I am really sorry to say that if this is the way banks treat there customers it would be really difficult for anybody to trust any system as they dont fear anybody and clearly state that the customers are there puppets and can do anything to recover there money .

Hope we will be able to get the justice from this as we are very much mentally harrased and i wdont think so that it is such a big thing as you must also be aware that due to global financial crisis deliquencies have increased and when I am assuring that i would be making the payment what is the sense in calling us and threatning us and my old parents , i iwant strict action against the said employee and her senior . I dont whether the name above refefred is the rigth name as people in call centres keep a dummy name to hide there identity . The copy of the said mail has been send to Banking Ombudsman also. Awaiting revert .

Thanking You ,
Yours Truly,
Sachin Udepurkar