HDFC Bank Complaints & Reviews

dear sir, this is to inform you that i pappu kumar agarwal s/o lt.madan lal agarwal, j.k.nagar bazar.p.o:bidhanbag, dist:burdwan(w.b) pin:713337.
Mobile no:[protected].
Sir i am a saving bank a/c holder in hdfc bank ltd, asansol branch, in march 2009 this banks representative mr.jay kishore pd, tell me pappuji any ulip company allocation charges deduct above 20% but our hdfc standard life insurance are best so you take a policy, and mr.jay kishore meet me with ms.epsita moulick, this lady tell me your allocation charge only 2% deduct and after 15 years you get double allocation charge, and epsita call her senior mr.kaushik basu, but all person no show me company rule and regulation, after some time i write a email to hdfc standard life for unit statement, company send me unit statement when i read unit statement then i fridge, company deduct 35% allocation charge, i send a another email to company and write your all representative cheat with me, kindly free look my policy, then company representative call me telephone and tell me a free look letter submit near hdfc ssil branch, i go jamshedpur branch but ms.neelam take my letter but not give reciept,
i immediate reach asansol branch from jamshedpur, and meet mr.kaushik basu, and reach hdfc ssil, asansol branch, but asansol branch head ms.sangita upadhay not take my freelook letter and tell me your mortality charges and fund management charges are not deduct extra .
Some day ago company send me a fresh unit statement after deduction of 112 unit from april 2009 to june 2009.
I immediate contact with mr.kaushik basu, you know sir mr.kaushik basu tell me i resign my service and also theat me arrest you by police.
Now sir this time my brain not work because i lost my money, i am a very poor person, cheat and fraud with me hdfc bank, asansol branch, mr.jai kishore prasad,
i want justice with my money and also want punishment for fraud and corrupted agent, banker,
please help me and also want this matter are "beware o[censored]lip) in all over indias newspaper and tv news chhanell,
what i get justice, please help me, my hdfc standard life insurance policy number are 12760766.
Sir i hope i will get justice and also companys fraud and cheating flash in all over india,
thank you,
pappu kumar agarwal

Hi All,

Today I have visited HDFC Bank Gillanders House Branch to fore close my personal loan. The operation dept. told me that I need to submit one application today mentioning that I want to fore close my loan and give an approval for the same. And it will take another 15 days to get approved. Most surprising thing is I need to pay interest on the same, i.e., for those 15 days along with 4% interest extra of the remaining principle amount. When I am going to talk to the operation dept. regarding that issue that why should I pay the interest and why should I come down to your bank again and again, as because of I am not a defaulter that is the only reason, then the operating dept least bother to listen my words too.

Kindly reply me to waived of this or make a complain to consumer forum whom should I addressed to or any email - id if possible.

Thanks and regards,
Biswajit Deb

I was using a credit card for HDFC bank and outstanding got settled later with equal instalments of Rs 2600/- for eight months plus one rS 2930/-. bank had issued a letter also for settlement of account. then one day finally call me and told Rs 1410/- is further due, due to late payment of few instalments, this is additional intereest and we will issue NOC to you. i had deposited that also.

now when i had applied for a car loan with HDFC, they say there is os in your account Rs 40k plus in same credit card account, which got settled.

HDFC is doing fraud mentioning my name in cibil after clearing my all dues. want to know how can i sue them and file a case against bank for reputation loss.

Dear sir/Madam,

With reference to my HDFC personal loan account no:12480154 I bave availed personal loan and repaying it regularly, But When I requested for enhancing my limit I came to know that I have availed personal loan which is showing outstanding in CIBIL. I never applied personal loan anywhere except HDFC.
Please suggest me how to know about this outstanding loan in CIBIL and how can My name will be removed from CIBIL.
thanks & regards,
sujatha

Dear Sir/Madam,

I had availed a HL OD facility having account number [protected] with Centurion Bank of Punjab Ltd for an amount of INR 13.5 Lacs, which was given to me at a commercial interest rate of 8.5% for a period of 60 Months. I had an option to avail this facility at a Staff or HR loan rate of interest of 3.5% since being employed with CBoP yet I had decided to avail it at a commercial rate of interest of 8.5%. After the merger of CBOP with HDFC, there has been no communication on the new interest rates on an official basis to me by HDFC bank, but I am given to understand now that the bank has arbitrarily changed the interest rate on this facility. .

After rigorous follow ups from my end fortunately today I have received an email communication from HDFC Bank for the revised rate of interest. It mentions that:

“HDFC Bank has revised the Prime Lending Rate (PLR) from 16.00% to 16.50% effective November 1, 2008. Since the pricing of your Overdraft facility is linked to Prime Lending Rate, the lending rate for your Overdraft facility would be revised to 14.5”

I would like to get a very clear reply from HDFC bank on this, with explanations for the below:

When the PLR of HDFC Bank has been revised from 16% to 16.5% effective 1st Nov 08 and since the pricing of my OD facility is linked to PLR my rate or interest should have got hiked proportionately by 50 bps from 8.5% to 9%, so what is the basis for this whooping hike of 600 bps in my rate of interest from 8.5% to 14.5% when the PLR of HDFC bank itself has got hiked only by 50 bps and my pricing of OD facility has to be linked with PLR as per the communication received today from HDFC Bank?

Further the PLR has been reduced from 16.5% to 15.75% till date but the effect has not been passed on to my account. How can HDFC Bank hike up my HL OD rate of interest abruptly upon 50bps hike in its PLR and then not reduce the rate of interest with a reduction of 75bps in its PLR thereafter while not forgetting to state that “HDFC Bank has revised the Prime Lending Rate (PLR) from 16.00% to 16.50% effective November 1, 2008. Since the pricing of your Overdraft facility is linked to Prime Lending Rate, the lending rate for your Overdraft facility would be revised to 14.5” while hiking my ROI.


If the rates have been hiked, why has no communication been made officially to me? If the bank claims that an official communication has been made, I would like to see the POD, of the communication? The address where bank claims it has made a communication itself is wrong as my residence address is my communication address on which I have been getting communication for my other loan accounts as well held with HDFC Bank.

Why has my consent not been taken with respect to any rate hike, as per RBI guidelines which makes it mandatory for a bank to communicate any change in the rate of interest to the customer atleast a month before such a change is made, so that the customer has the option of either continuing or shifting to another financial provider?

I have been asking for these details for quite some time now but the concerned officials did not seem to have any idea, or they deliberately did not want to give me any details?

I would also like to know the current PLR of the bank and what is the basis of hike in interest rate based upon when as per the communication from HDFC bank themselves pricing of my OD facility is linked to banks PLR?

I would also wish to know whether this is a deliberate attempt by the bank to harass CBoP customers, by not sharing any communication with them and hiking the rate of interest of eCBOP customers abruptly so as to earn additional interest revenue on eCBOP portfolio.

Further it has come to notice that HDFC Bank has revised the ROI to 14.5% without linking it to their PLR hike of 50 bps for all customers who had availed an OD facility from eCBOP irrespective of the fact that their rate of interest with eCBOP was ranging from 8% to 13.5% for this product depending upon the customers credit score which please note. With reduction in PLR the effect has not been passed on to any of the eCBOP customers including me.

If any arbitrary action of the bank leads to my financial condition being compromised, or I having to undertake any kind of mental trauma, I will clearly hold the bank responsible.

I have been remitting the interest at 8.5% for this OD account promptly till date in last 18 months as agreed and accepted vide sanction letter dated 7th Jan 08 from CBOP so there should also not be any attempt by the bank to declare me a defaulter.

Request your intervention to get this issue resolved at the earliest.

Thanking You,

Warm Regards,

Swanand Phand,
(M)-[protected]

My complaint shall follow HDFC Home Loan sanction.
After I had detailed discussion and providence of all required documents, I am no longer being helped by the bank with the Loan Amount I require, all the more the system is offering me such a amount that will not fulfil my requirement.
On the basis of the detailed discussion with the bank and the commitment provided I have spent a few part of my savings to prepare and clear all the documentations.
Even I confidently claim to receive false phone calls on behalf of the bank itself.
I would appreciate if my case is looked upon seriously and personally I am ready to help you in every possible way, and would like to get compensated for all the mental and financial harassment me and my family suffered.

Thanks & Regards

Dear,


I am krishna vishwakarma from dahisar east. my card number is [protected]. I am using this card from august-08.My overdue till today is around 23000/-.I converted this amount as EMI & my minimum due is my EMI every month.This time i failed to pay my minimum due on my due date.bank has blocked my card from 2 to 3 months.This was the situation of my card till date.

Today morning your bank employee Named As Mr Raj, Empl code:12992 from chandivali branch called at my landline number. I told them I will pay the amount on 29th july.Hearing this he started talking very rashly to me, started using abusive language related to my mother & father.After hearing this i also got angry & reverted same to him but he didn't stop & start harrasing me saying that i will come to your place, I will come to your office, you beg to someone or you sell yourself but i want my banks money back now only.
when the situation got worsed, I disconnect the cal, but he called me atleast 30 times on both my landline & my mobile number with different number.
I have recorded some conversation in my mobile, but he was aware of allthese things, he told, "u cant do anything to me, He told me to come in the chandivli branch I will show you" but i refused to do so.He doesnt afraid And shameless about his ill behaviour and abusive language.
I want to know If aneone fails to pay the said amount on due date & he is ready to pay on some other day, Bank has got the permission to abuse his customer & that person is very sure that nothing will happen to him.

please revert back with the next what action i will have to take or what action you have taken about that employee.
If i am not getting any response from you i will knock the door of consumer court & i will lodge the complain against that employee in the police station, But that is very sure i will not stop with just writing a mail to you.

Following are the details of that employee.

Name : Mr Raj (name given in telephonic conversation)

Empl code : 12992

ADD : HDFC bank Ltd,
26 A, Narayan properties,
chandivli farm Road,
Sakinaka,
Andheri (e)
Mumba-72.

Number he has called from: 30552300
28562006
42254900

Number he has give me to reply :40801090


My contact num : [protected].

Ref: Credit Card No.[protected]
Sir,
My aforenumbered credit card account was reflecting a credit balance upto May, 2009.The bank without obtaining my consent issued an Insurance policy of Bajaj Alliance and charged the premium amount to my card.I, lodged a complaint with credit card division, Chennai and requested for deletion of the amount from my account.The department accepting my contentions reversed the premium amount.However, the late payment and other charges are still reflected and charged to me for no fault of mine.
I, therefore, hereby request to kindly place my complaint before the competant personnel for reversal of the amount charged arbitrarily.
With regards
Pranati Das
Bhubaneswar

Dear Sir,

My account is with HDFC bank, Rewari. I have applied for account statement. On their site there was written that in case ur email id is registered with us we will send you email statement free of charges. But they deduct the amount of 66 rupees from my account. When i wrote to customer care they refused by saying that your email id is not registered with us. But Sir i was contineously receiving the statment on my email id. But now when i go to their site address they are showing that your email id is not registered with us.
Dear Sir i want my money back. Is this is a new idea for deducting the money?

To,

HDFC BANK,

But my question is without any intimation by RPAD, email or any telephonic talk ( Mr. Hardik I think that we were never talk regarding my account closing), how you were closed my current account in March'2009. Only 3 month was there, during the period tranjection not done. "NO BUSINESS NO TRAJECTION"

Eventhough I have cheque book, our business is running, some of advance cheque already we are given to some party . Is there any RBI guidelines for the same?, than please inform me. Otherwise it is my humble request to you that please to reactivate our accout.

Today we are submitting the written application at Shahibaug(Ahmedabad) HDFC Brach, HDFC - Main branch & consumer Forum.

"Please give me Exact Reasons for Closing of our Current Account "

Is there any surity that we will not face any problem while opening the new accout with your bank. With question of "WHY YOUR PREVIOUS ACCOUNT WAS CLOSED"

Please take needful action in favor o[censored]s.

Regards,

K.PATEL & CO.

Who ever it May concern

I am having hdfc credit card no is ******0660.

I payed the due for the month of april 09, before my last payment date, still HDFC BANK CREDIT CARD charged Rs.600 as late payment. I had spoken to customer care, credit card department & clearance department all I got is assurance. I thought not to pay on this time so that they can reach me, though they called several times, & assured me that they will pay me back which will reflect in my next statement. I paid almost half of my total due amount, still this month statements I am again charged with late payments & they not even paid me back Rs.1200.

I had send sms to the concern lady who had spoken to me, now she is not even picking up my calls.

Please do the needful

Mithun Aditya

On 02.07.09 I transferred an amount of Rs.22671.93 for paying my CITIBANK credit card balance.I also received the confirmation advice for this transaction.
On 23.07 09 I received next credit card statement and I came to know the on 02.07.09 the transaction did not take place and CITYBank has added Rs.2475.93 towards intrest, late fee, Ser.tax. and over due charges which I have to pay for the fault on HDFC bank.
It is therefor requested to HDFC bank to compensate for this loss.

As I start this draft, it reminds me of the Satyam Scam. Had Mr.Raju thought of this, he wouldn’t have been where he is right now. He could have just gone the HDFC Bank way! Opened a Bank and turn into a millionaire overnight.

I write this with much agitation and frustration towards the bank.
On the 4th of July, I tried to withdraw an amount of Rs.4, 000 from an ICICI Bank ATM. However, the machine gave me a “Network Error” message and yet, the money was debited from my account. When I raised a complaint, the phone-banking agent said that the money would be reverted back into my account in 12 working days. The days came and left, but the money did not reflect into my account. I had to call the disgraceful phone-banking agents again and this time I was told that I have to submit a “claim-back” form at my home branch and the money would be reverted back into my account in 12 + 35 days. I have given up the hope that I will get my money back, however, I thought I should make this public, for, God knows how many people have been having this problem. It is really shameful that a customer has to wait for 59 WORKING days at the least to get his OWN money back. Nice trick of HDFC Bank to shut down their satellites and servers, especially on weekends and steal money from customers accounts. No wonder, they offer you Home Loans, Vehicle Loans and all kind of loans available, left, right and center.

Just take a case of a Credit card holder for instance. If one does not pay the basket amount, the Bank calls them and pesters them, even going to the extent of sending hooligans at the residence of the Credit Card holder to recover the money. On the contrary, when an above mentioned scenario happens, they request you to “Kindly wait”. I have stopped all my transactions with HDFC. Hope this article is published, so that the general public comes to know what actually is going on with the system and the so-called “White-Collared” people committing White-Collar Crime.

SHAME HDFC, such a SHAME.

Dear Sir,

I was working for Coca-Cola India in Gurgoan. One day the DSA has approched to most of the my collegues in our company and offered HDFC credit card including me. I accepted to fill the form and take a card only to please the guy becuase he has expressed his condition and was told his salary is linked to the cards he can generate. In principle I was not intrested as by then I was already holding citibank and ICICI card and was happy with service. Within a month I received the card along with the PIN etc. I have just put the card in cold storage witout using as my intention was also not to use. After a year or so (2003) I have migrated to Hyderabad and do not remember exactly where the card has been thrown. One fine day in the year 2004 I received a phone call from the legal cell of HDFC saying that I have withdrawn a cash of Rs 5000/- for which I expressed my innocence on the transaction but however I was told that after the card was accepted by me it was as per the legal agreement I am bound to pay the amount. There was heated arugument and also harrasment to my aged old mother calling her during odd hours. To get rigged of the calls I paid RS 6000/- in HDFC Begumpet branch against my credit card account. This amount has been paid on confirmation that this matter will be setteled.

After 2 years again I received a letter from one of the HDFC legal partner saying the amount is due. I have given a reply and also mentione dI will go to RBI and HDFC odanmbus cell. There was no response after the my reply.

Today again I received a call from number +[protected] and the guy on the line started warning me legal consequences if I do not pay Rs 6700/-. I am surprised is this the modus opernadi by HDFC to harras the common man like me. Today I do not remember the card / account number also to revert to the bank. Apart from the above I have good credit ratting in the financial sector.

Is any body there who can help me please.

Respected Sir,

I Muneer Pulikandy working in Abu Dhabi and holder of NRE account in HDFC bank.
(A/c No. [protected]).

I applied a home loan from HDFC bank last year. But they rejected my application with unknown silly reasons. That time I gave one cheque for them Rs. 3709.00.( Cheque No. 591268) That cheque they reissued to my name on 29/07/2008. But I can came back from Abu Dhabi only on 15/07/2009.

I gone Kannur main branch and I saw Regional Manager Mr. Renjith Kumar. But his response very very bad. He said this chque has been cancelled because date has expired with shouting. He used all f words. I don't want this cheque amount back, but was insulting me with bad words.

I am here lodging a complaint against regional Manager Mr. Renjith Kumar for the insultancy.


Muneer Pulikandy

Dear Sir/Madam


I m manish from ghaziabad having the policy no. 10042802

i recd. a letter from side on 22nd day of july for conversion to paid up status for the same polocy

i said that very poo performance of your co. no right to work on insurance field. your co. is very large co.
and the rule is your co. that not remind to the customer for remind for premium payment in connection your co. remind after the due date that your policy converted to paid up status.

why, is my money is yours? you will reduce the sum assured with 25000/- and u not claim the bonus.
let me know is my money coming from tree. or u earned my money from market.

SHAME ON U & VERY-2 FACILITY OF YOUR CO.

i already used icici, metlife, aviva & lic also. all are very good they inform me via mail & sms for the
payment of premium, lic is very old co. is going on mail & sms, but your co. HDFC i registered on mail also but result is 0.

once again i said that VERY-2 POOR FACILITY OF YOUR CONCERN HDFC.

Dear sir,

Got my address changed from chandigarh to 802-xenon building, zircon apartments, viman nagar, Pune.
(ref. letter dt. 7.7.08 of mr. B.Vaity c.c.desk, received by me). First a/c statement was received wirh
wrong name of building (zenon building) instead of xenon building, after 2 months of despatch. No further
statements received till date. One statement was also received in oct/nov 2008 on my old chandigarh address. It is requested that all a/c and holding statements be sent now at the correct Pune address.

cust.id...23155220

sir
my name is jitender these complaint againts hdfc bank . one of my friend julgar ali want a loan and one esequitive come to juljar place and recived 5 bank cheque crossed and pay to hdfc for loan securities but one of his cheque no 501890 widrol amount 50000.00 by hdfc on 14/7/09. he was not recived any loan amount. so pls lodge a complaint aganist hdfc bank . or refind his amount as soon as possible.

regds jitender aggarwal
[protected]

Dear sir,

This is to inform you that i Biswajit Adhikari who was the employee of HDFC Standard Life in Kolkata, Emp code-10860 apply for my P.F last 6 months ago.I want to konw the about the progress of this process.How many days later i'll get my P.F.My P.F no is 10860.so, many time I called HR(Miss Anupriya) and send mail also but still I am not received any thing.pls help me.

Regards
Biswajit Adhikari
[protected].

Hello,

I have been a customer and active trader on the stock market and my broker is HDFC Securities. Its infact very agonizing to use their services. Their phone numbers arent very receptive and only hours of waiting can get me an executive and plus they have this regular irregularity of outage on their servers.

Due to this no orders can be placed either on the net or on their call centre or een their offices located in the city. Since stock markets are very volatile in this season and timing is all it takes for some decent returns, this has caused me huge capital losses. My stock prices have plumetted down in front of my eyes and i couldnt do much about it.

Even as iam typing this complaint, iam just waiting for their "technicians" to "work on the problem". I want to take legal action against this firm . Being such big leaders in the industry, it becomes their social and moral responsibility to ensure services of highest standard and had it been once i a while the mistake is pardonable but the problem is it isnt. If the servers breakdown due to high traffic, why should they even sign up these many accounts if they cant handle it.

Some one please help me on what i can do for this? Is there a legal action that i can take?

Thanks

Chirag
[protected]