HDFC Bank Complaints & Reviews

Dear Friend,

I would like to make you alert on few details regarding HDFC and other limited companies.

HDFC LTD is a limited company and is not a banking institute.
It is a self regulated financial organization and is not at all regulated as a refinancing institute or is not a Banking institute. Sales officers makes people fool by stating HDFC Home loan as part of banking division. Even interest rates charged by HDFC is very high which is increased in subsequent years.

As such rates of interests for home loan are definitely regulated by RBI but limited and private companies do not fall under their per-view. These companies fall under company Act and not under Banking Act.

At time of taking loan these companies promises low rates of interest and then increases rates of interest in subsequent years, which increases your burden of repayment in form of slow poison eating your lots of money.

I will share my personal experience:

I have a very bad experience with HDFC, My loan of 11 lac with tenure was only 20 years and was promised with 3% discounted rates for my loan account as the company with which I was working was a corporate client of HDFC, so my loan started at 7.25% rate of interest and a low EMI of 8595/- Rs only.

In later stages HDFC revised rates of interest stating that my loan is on floating rates, where as no discounted rates are applied to my account. More on no reduction in rates are done at all even when rates of interest of other banks and institutes fall down. Even when they offer low interest rates to new customers – on my inquiry they asked for a proceeding fees of almost 12 thousand rupees to revise the rates of interest.
My EMI is also revised to 10, 526/- Rs and the tenure is now increased. Today even after paying EMI for more then 6 years my tenure of repayment is more then 18 years and EMI is increased from 8695/- Rs per month to 10526/- Rs per month. So I will end up paying money to HDFC for more then 24 years.

So I will end up paying four additional years with new EMI to HDFC which will make me a loss of almost 10-12 lac rupees.

HDFC is offering new customer 8.25 rates of interest where as even when I am a old customer with corporate tie up with the company – I am charged almost 11% rates of interest and I am screwed up by paying more EMI.

I have started legal proceedings against HDFC – and warn you all that dont take loan from HDFC other wise your people will also end up in soup and will have to pay huge for small things.

REQUEST YOU ALL TO TAKE LOANS ONLY FROM BANKING INSTITUTES AND NOT FROM ANY LTD COMPANY--
Ask following questions at time of taking loan.

1.Is the company having word “Bank” in its name.
2.If the company is refinancing company - take in written that – rates of interest in the company will be regulated as per RBI norms.
3.Only those people whose files are not getting approved from banks and documents are not clear enough and are in need of loan should opt for such institutes, but mind it these ltd companies slowly increases rates of interest and eats away your lots of money charging high rates of interest.

PLEASE NOTE – HDFC is a limited company and not a BANK. Only banking institutes or company with word “Bank” in its name are regulated by RBI.
Before signing any document of ltd company please read the terms and conditions completely and take a lawyers advise if needed before going ahead to sign the same.

Please disseminate this information to all your friends and relatives so that they are not cheated by any private company in case of loans / home loans.

In public interest by:
Pankaj Kakani

Two Wheeler Loan — check bouncing

iI have taken the loan for two wheeler against which i had submitted the cheque for loan agreement no. LTHAN[protected] but my cheque was bounced though with enogh balance. kindly sent me the statement of my account.I will be highly obliged.

Hdfc Bank/Two Wheeler Loan — miss charging loan premium

Dear Sir

Myself Jaswant Singh Nagar S/o. Shri. Ramjas Nagar, H. No. 188 Vill. Shahbad, P.O. Tigaon main road, Dist. Faridabad, Haryana 121004

I have received a registered a mail from Hdfc Bank on dates 18.12.2008 which showes that i have miss my premium amout but it is done by yourself. You said that my premium amount is not pay on time. whos time is 5-6th of the month. but we are paying our premium amount by ECS through bank and we have given you five checks of our account (My father's). then saw the bank statement as in our bank pass book which showes that you take payment on 13th of march 2008. and then on 19th of march 2008. But it is not right we have Rs. 2039.78 amount till 11.03.2008 in our account.

PLease tell me what is our fault when you didnot collect the premium amount on due date. And Our Bank charge two time Rs. 80/- from us why we pay that charge amount. And You also charges month by month increasing the amount . till this month charges are come to Rs. 2307/-

we can pay only our premium amount which is 1489/-

Please do the needful

thanks & Regards
Jaswant Singh Nagar
E-mail - [protected]@gmail.com

sir,
i saber ali one o[censored]r custome of two wheeler and my account no is 10849685 and is pay the emi is regurlery and my cheque is not bounce and my bike is sciesd bike no is AP 09 BG 3864 and they have sciezed that without noticed before sciesed my bike i ask with ur bank about they not give me statement note and after few days they sudden sciezed my bike and now they charges too much plz send me suggestion and i have do final settle ment and plz do it my favoure thank

thank you
ur faith fully

saber ali

Respected Sir, i mr laxmi narayan pati bearing HDFC 2 Wheeler Loan No[protected], in month of dec-10 6th day cheque was looging, unfortunately chequa bounced idbi bank deduct Rs 221/, . your colection agent named Bhabani pr das id no-162257, took Rs 1350/ against receipt no[protected], but he told me you should paid Rs 450/ as fine, why ? please clarify mt doubt. yours faithfully laxmi narayan pati mob no -[protected]

Respectet Sir, iam v.sri vishnu siva dutta HDFC2 Wheelar loan no19324123.I gave date 5th of every month for monthly installment.I already produced 6nos of SBI PDC cheques for monthly clearence.And every month iam maintaning sufficient amount in my SBI account.But cheque not clearing every month.I did ECS procedure also.Thereafter WHY? my loan installment not clearing every monthin promt time.Lots of times i called to HDFC coustmer care but there are not giving reasonable answer.Now what can i do.Please give sugessition.My mob no-[protected] & [protected].

Respected Sir, i am Mr. Tonglen Saum bearing HDFC 2 wheeler Loan No. 18126513. EMI 1718. this month unfortunately when i was going shopping i use my card more and the amount was less and don't get time to go and put the amount immediately, so the cheque was bounced and they called me and said we will come and collect from you i said yes but still they din't come, may be monday they will call me and come but from my Acc. emi 1718 is deducted on 16/03/12. ECSDebit HDFC bank LIMTED[protected], so do i still need to pay the bounced charge money since the amount is deducted already in my Account, and the same time they ask me to pay Rs. 450/- as fine, is not the fine if necessary only 221/- why is it. Rs. 450/- please clarify for me this before they come. this is my Phone No. [protected]. my e mail. [protected]@gmail.com

Dear Friends,

Just go to:

CONSUMER DISPUTES REDRESSAL COMMISSIONS
in your respective states and lodge a complaint against HDFC / ICICI and any such bank doing so.
You may even file a police complaint againts bank for cheating. Just consult a lawyer - it will be resolved.
Law is definitely a painful process but Believe me it is always fruitful and in favor of customer.

Yes, the HDFC is fraud, they tell that they will monitor the construction phases and they dont do. The builder and the HDFC officials and making the syndicate and cheeting the customers and making the money.
Bellow is my experience:
I have taken a home loan in HDFC Bank, Vellachery Branch. The Builder (Balaji Constructions not registered ) and loan facilitator have the tie-up. The loan facilitator explain that they will scrutinized the documents and they have own employees of HDFC bank to monitor the site and they will look into the construction phases. The Builder constructing the apartment as his own fashion, extended the building front, back, left and right side and raising the construction area and taking the money. The builder constructed other apartment and occupied our land. As AKDR Golf court management warned him so he gave 2 feet to there compound wall. Previously he started construction on the compound wall. Without pillars one side he is constructed. I have informed to the bank people, but there is no use, they have not taken any action against this issue. without pillar on the top constructed the water tank.
The builder made the agreement, in that there is no liability on him, every thing all liabilities with the customers he made it. This information is we asked him to change, the bank facilitator Mr Sahul given the guarantee, he will make another agreement and this time please make sign on this to disabuse the amount first time. If I complaint they have not taken any action against him or builder. The technical manager of HDFC is not at all visiting the site and monitoring. Please don’t go for house loan like this HDFC bank, better go for the government banks like SBI. There are no standards at all. The builder, the Technical Manager and loan facilitator altogether cheating the customers and making the money.
I request you people don’t go for such project with small builders and especially HDFC home loans.

Hope this will help you.
Please visit the link below
http://www.rbi.org.in/scripts/FAQView.aspx?Id=77

Or

What do you do if you have a grievance?

If you have a complaint against only scheduled bank on any of the above grounds, you can lodge a complaint with the bank concerned in writing in a specific complaint register provided at the branches as per the recommendation of the Goiporia Committee or on a sheet of paper. Ask for a receipt of your complaint. The details of the official receiving your complaint may be specifically sought. If the bank fails to respond within 30 days, you can lodge a complaint with the Banking Ombudsman. (Please note that complaints pending in any other judicial forum will not be entertained by the Banking Ombudsman). No fee is levied by the office of the Banking Ombudsman for resolving the customer’s complaint. A unique complaint identification number will be given to you for tracking purpose. (A list of the Banking Ombudsmen along with their contact details is provided on the RBI website).

Complaints are to be addressed to the Banking Ombudsman within whose jurisdiction the branch or office of the bank complained against is located. Complaints can be lodged simply by writing on a plain paper or online at www.bankingombudsman.rbi.org.in or by sending an email to the Banking Ombudsman. Complaint forms are available at all bank branches also.

Complaint can also be lodged by your authorised representative (other than a lawyer) or by a consumer association / forum acting on your behalf.

If you are not happy with the decision of the Banking Ombudsman, you can appeal to the Appellate Authority in the Reserve Bank of India.

-Arvind

Feedback for HDFC band and their managing director Aditya Puri.


My name is Lokesh . I live in Delhi and I had lost my Debit card in 02nd June 2015. But my billing address is in Bhopal and my mum wasnt at home I had made a late order for new debit card n pin in 18th June . They issued me a card on wrong account m my mum did received a card which wasnt working . I pushed my mum to activate card via atm thru one time password. The pin was changed. But she wasnt able to withdraw funds . Coz itwasq wrong card. I called hdfc fone banking on [protected] n spoken to number of people and i tried to explain them my situation. I belong to a middle class family. They said Ki galti Ho gai to ho gai. They gave me d option to visit a branch . I told them that I work 6 days n I cant go to d bank and if I will take a leave HDFC will have to compensate me for daily wage that get from my company. They instead of helping me out they said Ki Jo karna hai kar lo . Aab kuch nai Ho payega. I told them that I have joined a new job I cant take a leave. If I have to I will be marked absent at work and I would loose 1 day salary. My call was transferred to shashak in Mumbai who is d floor manager of card blocking department . I told him that I have changed room m so I am expected to pay my rent at d earliest. He said Ki apko branch Jana hoga .koi aur option hai hai. After a long conversation on phone where in I called up hdfc bank it took 4 hours to sort it out.

I want toadvose Mr Puri to leave his job. He is d most pathetic business ma and erogant .this company is fraud. I am going to file a complaint to rbi and I challenge mr Puri to consumer court.
Mr Puri plz understand that hdfc has been rated as number one bank by customers .u shd treat ur customer with respect. Why for banks mistake a customer has to suffer all d time. Why would I skip my work to go to branch when its nt my fault.

This is the most fraud bank I have done business with . They are sitting in ac office just to fool customers and making tons of money. I would mark this feedback on all bank website so that people must know that hdfc is chor bank. And so is mr Aditya Puri. U people are . I will spread words on daily basis on facebook and om ther forums to revel their secrets .

Mr Puri should leave his job. He is insane and so his staff and his bank


Fraud bank HDFC.

My number is [protected]

Hi,

Some body call from these no[protected], 66219091,[protected] [HDFC]
and using abuse language.

I d’t know why asking me about Mr. Anurag Diwedi.

No relation with Mr. Anurag Diwedi to me.

They are calling me every day approx 50 times from 3 days.

I am very upset.

Please precede me for what I will do

I M an Financial Consultant Of HDFC Life Insurance, I do this work Part Time And I Am Persuing my Studies. I join It so that I got some Finanacial Help Through My Work but They Had Mentally Torcher me for my Commission, He says me every time that its preceding and now he dont recieve my phone & i hadn't recive my commision from Half Year.The Policy Which I Have done is Of Mrs. Minaxiben B Gajjar& Policy no. is 12437546

hr. . .are you joking. .. hr is puppet. ..

main aap sabko ye btaana chahta hu ki hdfc bank apne employees ko holiday wale din bhi bulaata hai just because of sales pressure. late sitting yaha hmesha hoti hai, , kal bhi kuch branches aa rehi hain jabki kal chhutti hai 05/dec/2014 guru nanak dev ke janamdin ki. main aapko ye request karta hu ki aap hdfc and other pvt sectror banks ka sting operation kare for example ludiana and jalandhar branches ka. and pls take strict action le.

Dear Sir,
I Imran khan H.NO 895 Badi omti Jabalpur (M.P.) Emp Code CI00775 stat that i had worked in HDFC BANK from 21st july 08 to 31st feb of 2009. I want to know that what can i withdraw my Provident Fund Account..& i dont know what is my PF A/c No. Above i have mentiones my Emp Code(CI00775),
So i kindly request to u please help me Sir.

Date 08/12/09
Details :-
NAME - IMRAN KHAN
MOB.- [protected]
EMP CODE CI00775
HDFC BANK LIMITED
MODEL ROAD SHASTRI BRIDGE,
JABALPUR (M.P.)

Dear Sir,

I Imran khan H.NO 895 Badi omti Jabalpur (M.P.) Emp Code CI00775. I worked in HDFC BANK LTD as POST CSE LAST ( 8 ) MONTH from DATE OF JOINING 21/07/ 08 to 14/02/09. TRUST ME SIR THIS IS MY ACHUAL DATES OF JOINING & RESINE SIR I want to know that what can i withdraw my Provident Fund .& i dont know what is my PF A/c No. Above i have mentiones my Emp Code(CI00775), $ DATES OF JOINING $ RESINING
So i kindly LOTS request to u please help me Sir. PLEASE SEND MY PF AMOUNT IN MY ACCOUNT NO: [protected]
Date 01/3/2010
Details :-
NAME - IMRAN KHAN
MOB.- [protected]
EMP CODE .CI00775
MY JOINING DATE IS 21 JULY 2008
MY RESINGNING DATE IS 14/02/09
MY ACCOUNT NO. [protected]
HDFC BANK LIMITED
MODEL ROAD SHASTRI BRIDGE,
JABALPUR (M.P.)

Dear Sir,

I Imran khan H.NO 895 Badi omti Jabalpur (M.P.) Emp Code CI00775. I worked in HDFC BANK LTD as POST CSE LAST ( 8 ) MONTH from DATE OF JOINING 21/07/ 08 to 14/02/09. TRUST ME SIR THIS IS MY ACHUAL DATES OF JOINING & RESINE SIR I want to know that what can i withdraw my Provident Fund .& i dont know what is my PF A/c No. Above i have mentiones my Emp Code(CI00775), $ DATES OF JOINING $ RESINING
So i kindly LOTS request to u please help me Sir. PLEASE SEND MY PF AMOUNT IN MY ACCOUNT NO: [protected]
Date 01/3/2010
Details :-
NAME - IMRAN KHAN
MOB.- [protected]
EMP CODE .CI00775
MY JOINING DATE IS 21 JULY 2008
MY RESINGNING DATE IS 14/02/09
MY ACCOUNT NO. [protected]
HDFC BANK LIMITED
MODEL ROAD SHASTRI BRIDGE,
JABALPUR (M.P.)

Respected Sir,

My self Harit Ahuja worked in HDFC Bank Ltd, Delhi. Emp. Code is H1178 from 11/08/2006 to 15/07/2009.But inspite of n no of reminders i have not received my pf amount from the pad department yet. Even they are replying on my mails also.

Please help me out

I am always thankful of you.

Regards,

Harit Ahuja

uncleared charges
To,
The Manager
Credit Card Division
HDFC Bank

Sir
My self vishal dablani, I have received a call from you credit credit card customer care from Mumbai, there was some of your agent miss baby was calling to me, the no was [protected] the call came from, agent baby told me that your bank is offering me a credit card free of charge for life time. So I asked there is no any charges to maintain this credit card, she told me that this is a free of charge, so I told ok, she told me to accept this offer, I said ok, she send one of your bank employee to my office to collect my document to complete the requirement, I again asked from your employee there is any charges to maintain this card annually, he told me no, so he gave me some foam to sighn, because of my busy schedule in my office I did not read carefully this foam and I sighend on it to be faith on your employee because she told me there is no any charge to maintain card annually, but after sighning this document I asked to your agent that why are the charges has shown on the foam., he told me that this is a old foam, do not worry thre is no charge annually to mantian this he told me, but I told him to give me one of copy of this foam to me, I will read carefully to reach to home, when I red it in home, I was shocked to raed that there is a charge has been mentioned on terms and condition, so I called again Mumbai customer care executive baby, I asked again that I do not want to pay charges
For credit card annually, she again give me assurety that do not worry this is free of charge for life time, I told her to cancel this card if there is charge to maintain annually, she told no there is no charge.

So this is my request to you is there is any charges to maintain this card please cancel it. Ido not want to pay annual charges, and without asking how are you applying me for tatenium card which charge is annually near abt 4000 rs, I do not want to accept this charge, and plz do not make false commitment. And take step against my complain.

If there is any charges to maintain this card so please stop this card making process .it is not came to me yet, it is on processing in your Mumbai office.
If there is no any charges for it to maintain it annually fees give this information to me by written to my mail id or my home address documented by you which I mentioned, or if not so please do not provide me this card please cancel the process.

Thanks

Yours truly parmanent address
Vishal dablani c/o rajesh mulani
Employee of 482 usha nagar ext,
Synergy education int. pvt. Ltd indore mp
Trvadi chamber
Maharani road
Indore mp

my name is Sanjeev, and i too am a victim of this haressment being done by the bank employees (recovery agents) of hdfc, pune. the matter has of late become so bad that these people have begun harresing my mother who lives alone in another state and is a senior citizen, having major health concerns. i simply wish to resolve this matter at my earliest, however, the bank guys are not ready to come to setttle my payments, this inspite of the fat that i pay regularly. wonder when this will end?

sir i have saving in your bank on 63, nsc bose road tollygunge ( malancha cinema compound ) which i am open on july 2009 my a/c no is [protected] person who will open my account he told me that this account is zero balanceaccount person name is Das Babu Bharti your senior sales officer of that branch .so i will not deposit any money to my account i use my account when i need after that u will cut my nearest 1000 rs for average quterly balance .one things that i will give one cheque to lic in january month i also deposit the amount that cheque will be cleared but after deposit u will cut 6to 7 hundred rs for aqb so that my cheque will be bounced and lic will be charged rs 160 . so my q is that why you all guide the people illigealy i will be very much oblige i[censored] will take a quick action on this matter. sir i also one more problem that i also open one recrring accont of 500 on that i will deposit 1000 rs but i will not get any certificate of that reccuring deposit

Dear Sir,
Kindly see our a/c no.[protected] we r sending 4.00 Lacs RTGS morrning 11.00 am not update in 2.15 pm what is minning of Real Time Gross Setelment.
Regards,
DUGAR DISTRIBUTORS LIMITED.
([protected])

Dear Sir / Madam,

With reference to above-mentined subject, I would like to infom your good self that I am having Salary a/c with HDFC Bank, Vapi (A/c No - [protected]) . I have deposited Rs.2500 / on 11th Feb 2010. this is for the premium of the policy which i have taken from HDFC Bank. But sddenly I came to know that My premuim has not been paid due to insufficient balance. They have deducted charges of Rs. 1540/-. I have also tried to contact phone banking officer 4 to 5 times but j have not got any satisfactory reply.When I called the customer service about the charges they told me that your account has been converted to Saving.I told that I did not get any information regarding the change of account.I told him that I have same type of account in other private banks but they never charged me any amount.

This has happened without intimating to me and i am not satisfied with this kind of services. So, I would like to request your good self to revert back the charges at the ealiest.

Looking for a favourable reply from you end at the earliest.

Regards,

Swetang Pathak
Cont No -[protected]


Thanks

Pritesh Shah

Dear Sir / Madam,

With reference to above-mentined subject, I would like to infom your good self that I am having Salary a/c with HDFC Bank, Vapi (A/c No - [protected]) . I have deposited Rs.2500 / on 11th Feb 2010. this is for the premium of the policy which i have taken from HDFC Bank. But sddenly I came to know that My premuim has not been paid due to insufficient balance. They have deducted charges of Rs. 1540/-. I have also tried to contact phone banking officer 4 to 5 times but j have not got any satisfactory reply.When I called the customer service about the charges they told me that your account has been converted to Saving.I told that I did not get any information regarding the change of account.I told him that I have same type of account in other private banks but they never charged me any amount.

This has happened without intimating to me and i am not satisfied with this kind of services. So, I would like to request your good self to revert back the charges at the ealiest.

Looking for a favourable reply from you end at the earliest.

Regards,

Swetang Pathak
Cont No -[protected]

sir,
pls send me the account statement for my HDFC top 200 scheme.My folio number is 5084582/86. I was remitting my SIP amount but have not received my final statement.My last instalment was in May 2009.i WANT THE HARD COPY ALSO FOR MY RECORDS.Thanks

RESPECTED SIR
PLEASE SEND MY ACCOUNT STATEMENT OF HDFC MUTUAL FUND EQUITY GROWTH. FOLIO NUMBER IS3704815/09.

Dear Sir/ Madam

I am not receiving the account statment of folio no.6308206/82 through e- mail and also not by post .Pl. resole the problem.
thanks .

Archana Tyagi and Pradeep Kumar

Dear Sir

I redemed my HDFC mutual fund on 03.05.2010 and till date I could not received my redemption amount. Evenafter after my talk to customer care i could not get proper response.

Pl.help by doing the needful.
Detail are as below-
BINAY BIHARI SANDWAR
Folio no-4962826/52
PAN-AWAPS4093B
Nomini-Bharti Sinha
Advisor:ARN-39536/Prasanta Kumar Routray
Bank - HDFC Bank Jajpur Road Orissa
Account no[protected]
Name- BINAY BIHARI SANDWAR

What prevents HDFC BANK to forward the mail to the ID mentioned and mark the copy to the consumer and ensure that the problem is resolved.
Today we are in technology world, were all information is available in a jiffy.

Wake up HDFC BANK, act smart and act swiftly, let us move towards resolving issue not beat round the bush.

n/a — Credit CArd

Well i Had applied for a Credit card about 3 or 4 weeks past Rather Your Reps Call us and made me have a Credit card.They asked for hell lot of details From Me and i gave them and A lot of Phone calls and Ypur Reps Visiting Me at My Place.

All was done and But Still i have Not got My card.
Guess Is this the Service that u Give to the Customers.

I would Appreciate if i get some Reply on this>>>>>>

HDFC/Credit Card — Amoutn Deposited by Me transfferd to another customer account

HDFC crdit card no - VISA - [protected]
Sudhir kumar Sharma

I had deposited cheque no 102981 ,for RS 27000, as on 19.08.2008, in ITPL HDFC branch ,banglore to clear my outstanding dues, it was a balance transfer from HSBC bank,

Cheque was in coputerised form mentioning my HDFC card number ,

with my contionous mails & Tel communication with HDFC , I came to know that HDFC has given credit to some different customer ,
I requested to HDFC to get my money transfeered in my account , also submitted all my proofs, ie Authority letter from HSBC .Faxed to chennai HDFC -manager -credit card division

Till date no action has been taken , no satisfactory response received

Pls Do needful