HDFC Bank Complaints & Reviews

Hi,

I am rajul mishra. My Salary Account No. is [protected]. I've deposited a cheque on 11th of July 2009 and is not credited in my account yet. I've written to the bank 2 times previuosly. I just wanna know is this a bank or something else. At the time of account opening last year one of the bank agents take my form and the account was activated after two months of that. After that on 11th of July I've deposited a cheque at Noida sector 26 branch. However, the cheque was wrongly delivered to some other place and returned back. The Bank then put my cheque again for clearance and hence it is not cleared yet. Actually my case has become a comedy. The guys overthere in the bank entertain us as an easy bay. They don't think that these type of conducts give wrong message to the society. If my cheque will not be credited by today then I'll definitely sue on the bank in Consumer Forum. As I am a resident of lucknow and working with an organization at noida I'm suffering from severe financial crisis.


Thanking You
Rajul Mishra
[protected]

Date:[protected]

My Provident Fund
Hon'ble Team Members!!!

I was working with HDFC BANK LTD as a Sales executive, My Employee code was CM12371, I have resigned from the job on[protected] but till today (completion of 5 months) I have not received the cheque of my provident fund, which deducted of every month with my salary. and even they did not provide me PF number.

I've submitted my whole documentation which is need for disburse the amount of pf in your head office, but till today (after comletion of 5 months) I have not got it.

Kindly confirm the status of my PF other wise I'll go to the court for case of the company or I'll send the notice to you.

Do it as soon as possible and needful

Thanks & Regards

Munish Kumar (CM12371)
[protected] (mob)
Amritsar.

Hi Sir,
I have an account in HDFC BANK, M. G. Road, Bangalore. On 02/07/09 i made fund transfer through HDFC net banking to my Dad's account(SBI, B.S.City, jharkhand) of Rs.5000. But that has not been credited to my Dad's account till now. When i asked HDFC about this they are saying that it was a successful transaction, please consult SBI(Beneficiary account). When consulted to SBI they are saying that they don't know anything about this transaction and please consult HDFC Bank. Again i consulted to HDFC Bank and asked about transaction, but they are saying that "It was a successful transaction and they submitted my request of transfer to RBI on the same day(02/07/09)".
The problem is that my Dad didn't received any money till now and both banks saying go consult other bank.
I am in between both banks but my problem is not solved.
I want you to help me in solving this problem because my Dad is in need of money. Please help.

Below is details of transaction:
Name:Saroj Kamar
A/c No.:[protected]
Transaction ID: HD[protected]

I had a credit card with HDFC. Around 2 years ago the same was settled and the card was returned to them. HDFC can very well check in their records if they have any transaction on this card for lastt 2 years. After the settlement, I had not received a single call or a bill from them till date.

But look at the way these smart guys deal with the customers. Today all of a sudden Mr. Gupta from HDFC (calls himself as a manager), called me saying that I have to pay them a sum of 65000 against my credit card. He slowly stated HARRASING me with his phone calls and DHAMKIS. In the entire day he must have made around 20 calls to me asking me to speak with many different people who call said they are lawyers (one of them is Vikram Rana).

When he started pressuring me, I asked my husband to speak with him. When my husband wanted to talk with him, he refused and said that my husband was harrasing him by calling him... look at the PUN here... Who is harrasing whom is the question that arises.

Later he sends me a message on my cell giving DHAMKIS saying wait and watch I shall do with you. I am staying alone in Mumbai with a small kid. If anything happens to me, I shall hold HDFC responsible for the same.

When I did not listen to all his DHAMKIS, he then chose to speak with my husband (who was initially harrasing him) and tried pressuring him.

He kept on telling me that he will file a legal case against me and send the police to my office. Mr. Gupta then called my manager and spoke to him on the issue, trying to create pressure on me thru my seniors. Firstly this is my personal matter, why should they involve my work colleagues in this. This is to spoil my reputation at work and make my life more difficult. If I lose my job I again hold hdfc responsible for this.

This is such an unprofessional behavior shown by them. Mr. Gupta was not ready to speak with me properly and was continouly abusing my husband.

This is a shameful act done by HDFC... How can they harrass a person all of a sudden after 2 years without any notice or any kind of bill being sent to me...

On top of that he claims that he had sent a executive to my house who was beaten up by us...

This is too much... He is just trying to create a scene out of nothing and trying to prove his point.

I am living here alone with my kid and now I am really scared of his DHAMKIS and I threat of my life...

Somebody needs to take this up with HDFC and help me sort out this issue.

Shweta Aryan
[protected]

i m having actt no.[protected] in hdfc bank sector 9 faridabad& i m having sufficient balance in actt. i again confirmed sameer an empyee of bank, on his reply i give cheque 216551 to kotak life insurance which bounce on15-07-09 i suffred loss from kotak life, bank again asking bounce charges of their negligency. pl look in to give me relief
dr.b.p.sharma

Dear Sir,

I have a Savings Bank Account No.[protected] with your bank for several years. I have been making withdrawals from different ATMs at different locations but never had a problem. Surprisingly, on last Saturday i.e. on 11.07.2009 at about 7.30 P.M. I used my card to draw Rs.10, 000/- but the machine dispensed 18 (Eighteen) notes of Rs. 500/- each and 5 (Five) notes of Rs.100/- each – none of the notes was a new one.

I was shocked and tried to inform over phone but, by that time, Phone Banking Services were not available. On Monday morning I informed over phone about the short delivery of cash and requested to check and credit Rs.500/- (short delivered amount) to my account.

Today, I received a phone call from the bank expressing its inability to do anything in the matter. This is an undue loss to me for no fault of mine. Has the amount been drawn at the bank- counter and had there been a short cash delivery, a complaint could be made then and there and the culprit could be caught immediately.

I again request you to look into your system, machines and personnel and trace the error as it does not much financially but much more impacts the trust the customers have in a banker and its procedure.

Expecting an early response.

Dated 07th July, 2009

The Manager,
HDFC Bank Ltd.
Delhi.

Subject : Once again request to waive off the flawed charges asked in the credit card statements from past few months.

Dear Sir,

I am writing this letter to you after visiting your office at Rajouri Garden on 29th June, 2009. I am having a very bad experience with your Credit Card department as well as the Bank also. I am holding a credit card of your bank bearing credit card no. [protected] and my salary account is in the name of Neeraj Gupta and my Account No. is [protected]. I am not using your credit card anymore since 06th Jan, 2009. But you are charging the flawed charges in the name of Financial charges in each and every statement thereafter every month.

I talked to your many customer care executives and every time they have assured me that the extra charges will be waived off in my next statement and asked me to pay my actual buying amount and so I did the same but I did not get what I want from them. Even I had sent a request letter, as asked by Mr. Dixit on 13th Nov, 2008, by fax on 20th Nov, 2008 to waive off the flawed charges for Rs. 2, 133.25 regarding these charges but instead of this there was no response once again. So I decided not to use your bank credit card anymore. Once again the same letter is attached for your reference and record.

But instead of this you have charged the flawed charges in each and every statement. In 02nd May, 2009 month statement this figure was Rs.7, 334. My Last payment was Rs. 6, 936/- on 24th Dec, 2008 as per your statement dated 02nd Jan, 2009. But total due in the statement was Rs.10, 055.36.

Now a new dispute has been created by your Bank as I have my salary account with HDFC Bank and My Car Loan (Car Loan No.[protected] was also sanctioned by the same bank. My EMI for Rs. 4, 605 deducted by ECS on 07th of every month. Therefore I have to maintain EMI amount every month in my bank account. But in May my balance was 4, 384.45. From which, without any information, the credit card department had deducted Rs. 4, 384.45 as there credit card dues. And thereafter my balance was NIL. And no amount was left for my next EMI, because of which I had to deposit my car loan EMI for the month of June in the Safdarjung Enclave Branch by cash and faced lot of inconvenience. Who is responsible for this? This is very shameful act that a Bank deducted the amount without the permission of the Account Holder. How could you do this to a valued customer? Isn’t this a criminal offence?

Now I am telling you my actual buying amount and the flawed amount once again.

My actual buying for which I have not paid is as per following table.

Sr. No. Date Amount
1 02nd Jan, 2009 1, 978
2 02nd Feb, 2009 500
Total 2, 478

And you have deducted Rs. 4, 384.45 on 25th May, 2009 and Rs.11.47 on 01st July, 2009. Total amount deducted by you is Rs. 4, 395.92 from my salary account without my wish.

Now in the current statement i.e. 02nd June, 2009 credit card statement is showing Rs. 3, 171.99 is still due from my side after deducting Rs.4, 395.92 from my salary account which is absolute rubbish. Instead of this the credit card department has to refund my balance amount i.e. Rs. 1, 917.92 which it has deducted from my salary account.

I have suffered a lot since September, 2009. If it would have been corrected in the early days then this would not had been happened and my relation with your bank would not have been so worse. If this problem will not be resolved from your side as soon as possible then I have no way left except the Consumer Court.

At last I request you solve this matter once and for all and I want to keep your credit card for future use but without any dispute from our side.

Thanking you
Neeraj Gupta
[protected].




Dated 18th November, 2008

The Manager,
HDFC Bank Ltd.
Delhi.

Subject : To waive off the flawed charges asked in the credit card statements.

Dear Sir,

I am holding a credit card of your bank bearing credit card no. [protected]. My credit card limit is Rs. 50, 000/-. But it got exceeded to Rs. 55, 440.97 while doing purchasing in the month of September. Therefore you have charged overlimit fee of Rs. 500/- in September statement, which is not my fault. How can a person know for how much he has shopped for? The card must have been declined for the further payments until and unless the credit limit for purchase is exceeding.

For this extra charges of overlimit fee, I talked to your customer care person Mr. Amit Kumar on 07/09/2008 and he promised me to waive off the same.

Unfortunately when I dropped my cheque for Rs.55, 000/- vide cheque No. 481238 for the same I forgot to mention the date on the cheque and hence it was dishonored by your bank. And again you sent me a new statement for following charges:-

Finance Charges Retail 1, 777.59
Service Tax 345.31
Cess Tax 10.35
[protected]
Total 2, 133.25
=======
In this regard I talked to your customer care person Ms. Kalpana on 13/10/2008 and she also promised me to waive off the same.

And one more time in your next statement for the month of November you have charged Rs.347.00 as Finance Charges. Why you charge these financial charges in your statements?

For this matter I again talked to your customer care executive Mr. Dikshit on 13/11/2008. On that day your system was not working so he suggest me to fax a letter in this regard.

Therefore I request you to waive off all these extra charges which is amounting to Rs. 2, 980.25.

Thanking you
Neeraj Gupta
[protected].

Hello all,

Previously i was using a hdfc credit card. And i believe i paid all my bills but still i ma getting bills and i don't know whay. The worst thing is i raises several complaints via mail and phone but no response till date. I have never received a single print copy of my ills till date at my place.

After one year of mail/phone complaints i was totally fed up with the bills. Then i decided to visit the nearest bank for help. Bank ppl registered a written complaints. The after 2 days i got a call from the bank but due to network problem it some disconnected. The immediately i got a mail mentioning the same and to pay bills immediately.

In the written complaints i asked the bank to arrange a representative o clear my doughs and bill asap.

Bit till date nobody contacted me.

I don't know what to do.

Please help me.

Thanks.

dear sir/madam

i had obtained a loan of rs 4 lakh from HDFC home loan kota in 2007.my application no is[protected].monthly emi was 4758.which i duely paid.on july6 2009 i have setteled all my outstandings with the bank .i paid 304078 rs by PNB cheque no 531344 of bhimganj mandi KOTA. even after two and half month when there is nothing outstanding against me HDFC is not willing to return my property papers.i have wasted my many working days but all in vain.i call them but staff just reply that we have mailed to jaipur office.

i am unable to understand why this attitude?
please look in the matter
thank u
madhup sharma
[protected]

i have hdfc bank saving a/c no. [protected] i deposited the cheque of icici bank amt rs. 4000 and idbi bank amt of 45000, on dated 08/07/2009, after that still not showed in my ledger balance on 13/07/2009, I made the call to customer care centre lucknow they said talk to ur branch, when i went to branch they said the cheque not get in clearing i request why its not get and tell me reason they said its not getting where is the cheque i...

I am an A/c Holder ( SB : [protected] ) of Saltlake Sec -II HDFC Branch . I have a Zero Balance salary savings a/c which opened for crediting salary when I was working for Visioncomptech . I am no more working with Visioncomptech . Till last quater the a/c status was showing as salary savings a/c and the said a/c is carring some credit balance .

But for this quater ( April-June) Bank has deducted Rs 827.25 as 'AQB SER CHGS INC ST & CESS APR-JUN2009' without informing me that the a/c is no more Zero Balance Savings . Though I am getting my a/c statement in time to my postal address . So there is no question of 'Address problem' from my end . I spoke to Customer servive desk, they are saying that the intemation is sent to your e-mail address, This e-mail address is belong to Visioncomptech email address and no access is to this email, as I already left the company what I maintained earlier, more this email is non editable from my end .

For every communication bank is sending the mail to my Postal address only, But for this they are saying they are sending it to email . Is this only to take money from my a/c to HDFC'c A/c ?

I have a credit card of HDFC Bank. At 15/05/2009 I got a message alert on my mobile regarding to purchase in Big Bazaar. Immediately I checked my card that was not in my wallet and I called to HDFC Customer care to block the card. After that a bank employee came to meet me and took the signature on dispute form. I submit it with FIR copy. At that time he told me about the detail (use and time o[censored]ses) of all transaction done by my card on 15 may. There were four transactions on that day. And bank sent me the message on forth (last transaction). And also told that “You have to pay the amount”. After the blocking the card on the next day (16 May) it was swapped in Reliance fresh that is opposite to Bombay hospital and that transaction is cancelled due to block of the card. This information gave by employee and told “I am unable to go there because of decline of transaction so you may go and check on the security camera”. After that I went to Reliance fresh. But I got no clue. Then I went to HDFC bank to told about that at that time they told me that person try two times on the ATM. One on 13 may at Alankar Point. The second ATM of HDFC at opposite to Magdut Garden. Than I told “this time we caught the culprit”. Then he told “There is no security camera on that ATM”. After the investigation they send me a later that according to “Zero Liability” this is my mistake and I have to pay the amount.

i have been getting threatning call from hdfc bank, iam a student and i was given card by hdfc bank now as iam not able to make the payment, they are calling at my land line number and harassing my parents and some times they say that we are calling from delhi high court and ask rishi to make the payment .i have told them many times that after six months i will get a job then i will settle the account .last time also they came to my home and told my mom to give the money otheerwise the consequence will not be good so my mom paid the money(minimum amount).now daily these people are calling on my landline and mobile number and threatning me and my parents

I have been a CC holder with HDFC BANK for over 5 years and have never faced such abusive and threatening calls for recovery.

This agent from tel. number has not only been abusive but also talking of dire consequences for a delayed payment even when assured that the payments will be made in 3 days since I am out of town.

While it is common that such complaints and grievances do not carry any weight and will be treated as yet another trash by general public who continues to suffer either at the hands of terror agents.

This kind of abuse from a respected institution like HDFC Bank or its gang member is very hurting.

He has not tell me his name and collection agency name on phone.

To,

The Manager
HDFC Standard Life

Subject: Non receipt of Policy Document, (Policy No[protected]

Dear Sir,

I, Amlan Purkayastha, have not received my Policy Document till date. I have been told
By the concerned agent that my Policy has been delivered at a wrong address.

For the last two months I have been taking pain in calling Customer Care, the Agent again and again.
But my complaint is not redressed yet. I even contacted Over Night courier, they too are unable to
Give any solution.

On 11th July 2009 I have been advised by the customer care executive to lodge a written complain. In this communication I have been informed that I am not required to pay the Indemnity
Charges (Ref. No- IPE 750324).

I, therefore, request you to do the needful for the procurement of my policy ASAP.
Need not to mention that I being a Classic Customer of HDFC (Customer Id 7403403),
Expect a timely and positive response from you.

Thanks & regards,

Amlan Purkayastha

Mobile No – [protected]
C-9, Ground Floor
Tagore Garden Extension
New Delhi- 27

Note*
Below I am giving the policy Detail including the Financial Consultant Details
Policy No:[protected]HDFC Savings Assurance Plan)
Date of Commencement[protected]

Financial Consultant Details
Name
Ms INDERPAL KAUR
E-mail
[protected]@hdfcinsurance.com
Phone
[protected]
Branch
HDFC Bank- Meerabagh
New Delhi- 87

Unwanted call from HDFC credit Card department

I am using Airtel prepaid conection and always call comes from HDFC Credit Card Department that I hold a credit card and my over due payment is left but never I had got credit card and never applyed this kind of things. I am Govt Emp in Survey of India as GIS Analys Engineer and I only use ICICI debet card.
I have a complain from this no[protected] & [protected] his name is Jitender and some time he unneccessary give missed calls and abusive in the phone. I had called police 100 and told them but nothing happend I am planing to take a good action for this now.

I just want that you pls inquire into this and make some arrangement so that he/she is not able to call/msg on my number.

I will charge this things to HDFC Credit Card Department for abusing and unneccesary calls in my number.

thanks
Jaanvi
[protected]

i am sub lieutenant shashank trivedi...i am a naval officer in indian navy...posted at karwar karnataka...there is no hdfc bank or atm in this town...i did a transaction of 10000 rs from sbi atm...the money gt deducted bt i didnt get the amount...i registered a complaint in hdfc complaint desk...and they said that after 12 working days the amount will be credited to my account but on the 13th day they call me up and say that the transaction which i did was successful and the money will not be credited back...what should i do now

Dear Team,

This is for your information that I have received a letter against the loan account no 12176844 on 5/6/2009 from “HDFC Bank Ltd. RETAIL ASSET DIVISION GILLANDER HOUSE, 1ST FLOOR A 1, 8 N S ROAD”. It is noticed that in that particular letter HDFC Bank Ltd. clearly indicated “we shall recover the possession of the said vehicle in the event you failed to pay the whole of the amount Rs. 3, 077.00”.

I am unable to know the reason for making the payment of Rs. 3077.00 to HDFC Bank Ltd. without any cheque bounce & other reason duly informed to me with proper evidence like cheque return memo since my bank statement with account no [protected] (Axis Bank Ltd.) shows there is no cheque bounce as such.

It is requested to shows some evidence for making payment since I already gave the PDCs (Post Dated Cheque) on date 5/3/2008. This is only harassing me & my family, since my parents are the aged person. There is endless call received for making the payment are herewith “[protected], [protected], [protected]”.

My intension for making the payment of Rs. 2288 without any charges since HDFC Bank Ltd still not provide any evidence for cheque bounce or other reason. It is like a water color picture with the tenure of 17 month not a single cheque bounce case appears.

Below mentioned are the PDCs details
Sl No Ch. Date Ch. No. Ch. Amount Name of the Bank
1 5/12/[protected] 2288.00 Axis Bank
2 5/1/2008 023363 2288.00 Axis Bank
3 5/2/2008 023364 2288.00 Axis Bank
4 5/3/2008 023365 2288.00 Axis Bank
5 5/4/2008 023366 2288.00 Axis Bank
6 5/5/2008 023367 2288.00 Axis Bank
7 5/6/2008 023368 2288.00 Axis Bank
8 5/7/2008 023369 2288.00 Axis Bank
9 5/8/2008 023370 2288.00 Axis Bank
10 5/9/2008 023371 2288.00 Axis Bank
11 5/10/[protected] 2288.00 Axis Bank
12 5/11/[protected] 2288.00 Axis Bank
13 5/12/[protected] 2288.00 Axis Bank
14 5/1/2009 023375 2288.00 Axis Bank
15 5/2/2009 023376 2288.00 Axis Bank
16 5/3/2009 023377 2288.00 Axis Bank
17 5/4/2009 023378 2288.00 Axis Bank
Red marked indicates amount is not clear without any reason from HDFC Bank Ltd.
It is requested to close the loan account no 12176844 on an urgent basis.
Please do needful as early as possible...
Thanks & Regards.

Kousik Adak
[protected]

HDFC Ltd. is illegaly charging higher home loan interest rate from its old customers whereas they are wooing new customers by offering them home loans at lower interest rates. A recent court ruling has also said that this is an illegal practice. See the link and the news article pasted below.

http://timesofindia.indiatimes.com/Chandigarh/Bank-to-pay-Rs-1-lakh-for-overhaul...⇄

Bank to pay Rs 1 lakh for overhauling loan account
8 Jul 2009, 0134 hrs IST, TNN

CHANDIGARH: Deciding a complaint filed by Panchkula resident Birbhan Goyal, the consumer forum held on Tuesday that enhancement in the rate of interest in the case of home loan is illegal and unwarranted. Imposing a penalty of Rs one lakh, which the bank will pay to Goyal, the forum said, ‘The bank is directed to overhaul accounts of all its loanees and bring the rate of interest at par with those at which the loan (home) is advanced to new customers from time to time, so that all its customers, whether old or new, who have opted for adjustable rate of interest pay the same rate of interest during any particular period.’

Stating that the finance company and the bank adopted unfair trade practice, the forum, headed by Jagroop Singh Mahal, held, ‘Whenever enhancement takes place, the rate would not be more than that at which loans are being advanced to new customers, meaning thereby that if after enhancement, loan is advanced to any new customer at a lower rate, the rate of interest of the complainant and all other loanees would also come down to the same level.’

After completing all formalities needed to avail a loan, Goyal entered into an agreement with a home finance company and the bank. A loan of Rs 37 lakh, which was to be paid in 180 instalments in a period of 15 years, was sanctioned and he started paying the instalments from March 2005 onwards on a regular basis. However, a letter took him by surprise in August 2008. The letter allegedly stated that the repayment schedule through EMIs was being revised to increase the repayment time from 180 to 502 months. He immediately approached the bank?s local branch and requested cancellation of the payment rescheduling but to no avail.

Denying allegations, ICICI Home Finance Company Ltd and ICICI Bank Limited, in their written reply, pleaded that the complainant had opted for floating rate of interest and due to increase in it, they had increased the tenure of repayment of monthly instalments to reduce the financial burden on Goyal.

Arguing before the forum, Goyal’s counsel stated that the finance company and bank adopted unfair trade practice by increasing rate of interest for old customers at a higher rate, whereas the prevailing rate of interest was much lower, which was depicted through their announcements and advertisements in the newspaper to attract new customers.

After hearing the pleas, the forum held that the interest rate of any old loanee would be lowered to bring it at par with the interest rate at which the loan is advanced by the bank to its new customers.

Respected Sir / Mam

2 weeks back I have lost my debit and credit card. I have informed the HDFC bank customer service to block my both the cards and they have done the same however after 2 days i have realized they have not blocked my card only but i m not able to do any online transactions as well from my account. The error which i m getting while using netbanking facility is "there is no Active ATM / Debit card linked to this account", therefore I am unable to take any money from my account. I have called the customer service and they said that its been done for my security however somebody should inform me in advance that if I block the card than I will not be able to access my account online however no one has given me that information. Due to my office work I could not manage to go to the branch to apply the new card and becuase of the same reason I was unable to pay my credit card min due amount of Rs. 3300 approximatley. Yesterday (8th July) i have received the call from the collection dept and they started threatning me and shouted at me. I was politely trying to make them understand that what is the problem and i will pay the amount asap once I get the cash from my account. I was in the middle of the meeting and they were harrasing me over the phone when i was talking to my clients. not only that they said if i dont pay the amount in 1 day i have to bear the consequnces, they can do anything with me. I have to disconnect the call because I was not able to tolerate the words which they were using. They said I am talking to a bank employee and they can talk the way they want. i am any roadside crap if they are the bank employee, does govt given them any title of padmabhushan or padmashree. Have they been given doctarte title becuase of their services to the country so what does "bank employee means". Suddenly after that i had called to HDFC Branch Manager - Bomannahali (Bangalore Hosur Road) and spoken to Sumati (Branch Manager) and explained her everything. I have given her the number from where i was getting the collection calls. Today (9th July) I went to one of the HDFC Branch (Bomanahalli - Hosur Road) and take the cash from my account and paid the payment in cash. however in the evening I have received the call from collection dept and they started harrasing me, and threatning me and used some of the abusive words as well. When i have asked them to be polite and speak to the bank manager as i do not wish to talk to them the lady name called Sona and Executive called Manuel said i have to be ready to bear the consequnces, and i dont know what they can do with me. They have told me I am the bank defaulter and a customer that should not have a respect to even have a bank account. Is this why we have private banks. Is this what I need to listen when i have lost my card and trying to manage without money. is this wat called a customer service which HDFC gives a commitment or advertisement of... This is simply demotivating, and painful to deal with HDFC. I am not a criminal who have done a big fraud ... I am supposed to pay 3000 rs and my 32000 right now is blocked in my saving account which i can not touch / use / take.

Please do the needful as I am really been treted like a road side crap as a customer. I have been abused / threatned by the bank employee.

Regards
Ruchi Arora