HDFC Bank Complaints & Reviews

The bank has held my salary A/c money which was not linked to my credit card, but they still have deducted money from my present Salary A/c without any prior intimation. Where as my credit card was linked to my previous normal savings A/c.
You are requested to please help me in this regards.
Regards,
Manoj Kumar Sharma.
Asansol.

CREDIT CARD # [protected]

Dear Sir,

I was holding HDFC BANK CREDIT CARD# [protected], which I have surrendered and took the settlement, after that I paid 3 installments at the time of last installment my father expired on Nov 01, 2008 I immediately called up HDFC bank and ask the executive that this kind of tragedy happened with me and its not possible for me to pay the last installment I'll pay it after some time please talk to your senior and advice me, then they said its OK you can pay it later on, in the first week of January 2009 I called up HDFC bank and ask them to collect the balance amount, I paid the full n final amount, now for last two months I'm contentiously getting threatening call from these numbers[protected], 40313939 & [protected]) some Mr. Saxena calling and using very bad language and abusing also and saying that pay the balance amount I told him several time that I have already paid full amount then why should I pay more. He said "you don't know us what we can do just meet me once den I'll show you what we can do". I have all the call record of those numbers from which I'm getting calls.



Pl. help me out from this problem I'm very much worried.

PAYMENT DETAILS THAT I MADE:

DATED RECEIPT NO CHEQUE # AMOUNT
16/06/[protected] 4200
15/08/[protected] 4950
15/09/[protected] 4950
15/10/[protected] 4950
15/11/[protected] 4950 (NOT PAID B'COZ FATHER EXPIRED)

16/01/[protected]
20/01/[protected]

pl. do the needful.

Regards,

Priyanku Bhatnagar

Hello,
I have made a claim against my PFwithdrwal which was on 22-Dec-2008, however I am not receive the same.its allready six month. I have not receive my amount till date.And whenever i tried to check the PF website the message showing, The claim not recieve by this office.
PF No- MH/44678/31724.

Wating for any reply.

Akhilesh singh

Its disappointing to learn that HDFC bank's credit card division has displayed weak corporate governance behaviour towards the entire issue & unilaterally decided to close an inappropriate card transaction from their end.

Am reiterating some key points once again.

1) The fact that a card impression that too in a crude form, carrying signature, does NOT mean that it has owner's authorisation/ consent for billing. No where it mentions that I am accepting to get my card billed for any charges .
It is bank's legal responsibility to check the authenticity & completeness of the documents, that too which are of such a high value.

2) How can you assume without any charge slip or worst case a manual impression without billing authorisation, that owner has agreed for billing ?

3) The very next working day of this incident I have faxed a dispute letter to your chennai office, called up your help center & also in person visited the HDFC branch [Ref. person was Shravan Mulki] to hold the billing with immediate effect. How could your process framework be so weak, that you still let go the payment despite multiple written & telephonic reminders.

4) This card was never swiped or charged or used since it got issued more than 1 year back.
Why your office did not raise an alert when they received a manual crude looking impression & why were they so impatient to bill the same, despite the stop payment request.

5)How come you do not audit fraud vendors like the one in question [ Country Vacations Ltd] when there are already numerous consumer complaints/ legal cases filed against them.

6) With the investigations/ discussions still in progress, i am unable to understand that you are continuing to levy penalty & interest charges on the disputed EMIs, month after month. Please waive off the same, till we arrive at a consensus.

RE:'HBL=[protected]' (Complaint no:[protected]
Dear Sir
1.Date of transaction:13/01/09
2.Account Number:[protected]
3.ATM no:[protected]
4.Address:HDFC bank, Rajouri garden, new delhi
5.Withdrowl amount :20000 RUPEES
6.Time: 1:31pm
I have got half piece of the 500 rupees of note.after got this note i hv note this problem to phone banking taken complaint no:[protected].I have mail to [protected]@hdfcbank.com. regarding this matter on 26 may but still there is no result.
Please change this half note 500 rupees from nearest HDFC barnch as soon as possible.
Wating for Reply
Regds
Ranjan kumar

Dear team,

This is naginder jeet singh, my employee id is-N02032.I start my career with hbl global pvt ltd on 16/03/2005 to march 2007 for Ambala location.team my concern is this that i received my relieving letter and pf form.I submitted pf form on DEC 2008 and till now i had not received my cheque of pf( my pf no - 43995) .I am also given my all details.Team pls do on urgent basis.I need it urgently.I am waiting for your revert.Thanks.

Regards

Naginder jeet singh
N02032
a/c no[protected]ICICI BANK)
my pf no - 43995
Ambala cantt

Dear Sir/Medam,

This is MOHAN.C.R, Iam taken a two wheeler loan from your bank. you are getting 2 times EMI
ON[protected].from AXIS Bank as well as representative RECEIPT NO; 16545202.the LOAN AGREEMENT NO 14014324.FOR HERO HONDA SPLENDER PLUS VEHICLE NO KA-51 S4942. It's not a better way of banking .I suffer a few of penalties from your's & mine bank . I ANABLE TO PAY THE INSTALLMENT OF THIS MONTH. I pay the installment of 2 (both) months on[protected] to YOUR REPRESENTATIVE .So, it will be clear cut you don't claim the EMI AGAIN&AGAIN

Thank you,

Regards,
MOHAN.C.R.

I Shyamal Kumar, have the bank a/c with HDFC Bank a/c No. [protected]. every month my salary was credited in this a/c from May 2006. Bank Persons was always use to convince me for credit card at last I was agreed and got a card from HDFC Bank. As I was new user, I was innocent about the merits and demerits of credit card. Every was going good. Certainly I have lost my job on Oct. 2009. I have applied for PF withdrawal to my last employer on Dec. 2009 and that amount has been credited in my a/c on June 10, 2009 ie, Rs. 35120.40 (according to banker), When I have checked the balance it was 0.00, then immediately I have talked with phone banker and come to know that my amount of PF has been put on hold by the bank because of some dispute with Credit card. And in the mini statement I found that bank has debited so many vague charges to that a/c. I think bank has the intention to Debit all the available credit balance in this a/c by these vague charges. Because after so many calls and requests Bank has not given any solution till the time. And as I am unemployed from last 7 months, if I will not get this amount with in limited time frame I have to suffer with many other losses and the HDFC will be entirely responsible.

Payment record of CREDIT CARD from April 08 to Dec.08.

statement Month Payment
3/4/2008 4500
3/5/2008 2942
3/6/2008 6000
3/7/2008 nil
3/8/2008 2300
3/9/2008 9000
3/10/2008 10000
3/11/2008 1900
3/12/2008 Nil

So my payments are also regular.

To solve the problem have taken several initiatives:-
1.On June 13, 2009 called the phone banker and given complain against this matter, they have given a complain No. [protected].
2.On June 16, 2009 again called to phone banker at 3.30pm, on the other side GURDEEP(Girl) was there and according to her no such complain was in the record and given a new complain No. that is DEL079916.
3.On June 17, 2009 at 10.43 am got a call from some Dolon Dasgupta by no[protected], and given a no. of some ARCHITA BISWAS ie.[protected], and she told me that” she is the right person regarding this problem. So she will call you or you may call her on this number.”
4.On June 17, 2009 at 2.52 pm some one called and discussing regarding this problem but given any solution.
5.On June 18, 2009, I have made call at 11 am on[protected] to Archita Biswas, but some MR. SOMYOJEET was on the line and when I have discussed about my problem he was shouted like any thing and not ready to listen anything. When I asked about the Principal amount and the settlement amount of my credit card he disconnected the phone. Again I had made call on same number no body was peaking the phone.
6.Finnaly I have again talked with phone banker divition with the reference of my last complain number and got 3rd complain number.

Now I am waiting for response. OR else I will go to consumer court for my rights.

Thanks
Shyamal Kumar

Dear Sir,
I am almost tired by complaining to HDFC Bank Ltd.- A Reputed??? Privatew Sector Bank. My former letters dated 14/01/2006, 16/06/2006, 13/01/2007 and 19/11/2007 addressed to Rajkot Branch (Erstwhile Centurion Bank of Punjab Ltd.)for which I have received no reply from them.MY COMPLAINT NUMBER WITH HDFC IS 'HBL=[protected]' Re: CR/2008-09/029020.

I am having Saving A/c No.[protected] and Fixed Deposit A/c No.[protected]Fixed Deposit for Rs. 25000/-).Now your Bank had debited unauthorised Bank charges for non-maintaining of minimum balance im my Savings Account on 31/3/2005 Rs.660, on 30/6/2005 Rs.660/= and on 30/9/2005 Rs. 660/= for non maintaining of minimum balance of Rs. 5000/= eventhough I was having my Fixed Deposit account linked with this savings Account for Rs. 25000/=. A Reputed ????? Bank like Centurioon BOP now HDFC is not replying to the grievances of small distant customer . Due to debit o[censored]nauthorised Bank Charges without initmation of increase of minimum balance in Savings A/c I had closed my savings A/c in September-2008.

MY FIXED DEPOSIT WAS LINKED WITH MY SAVINGS A/C EVENTHOUGH THEY ARE NOT REFUNDING UNAUTHORISED BANK CHARGES DEBITED IN MY ACCOUNT.

I REQUEST YOU TO KINDLY HELP ME IN THE MATTER PLEASE.

THANKING YOU,
YOURS FAITHFULLY,
SUNIL KARSANDAS MAKHECHA

HDFC Bank Health Plus Credit Card bungled and messed up!

Mediclaim card holders left stranded without insurance cover suddenly!

The following information will help many HDFC Bank account-holders who have been using the bank’s Health Plus Credit Card for many years since its introduction in 2003. The Bank has suddenly announced that they are withdrawing the mediclaim facility offered as part of the above credit card without assigning any reason and in my case, they have done this after deducting the premium and are now surreptitiously trying to refund the same after many months. This has put us in hardship as renewal is not possible as the previous policy has lapsed and fresh enrolment is fraught with issues of age (above 60 disqualifications!), existing diseases (which would now become pre-existing disease), and fresh medical examination. I am fighting this unilateral and arbitrary action of HDFC Bank and I can be contacted for more details at [protected]@gmail.com or[protected]



S.Ramu

Respected Sir/Madam,

I Arvind Vashist working in ITC Hotel Maurya and before few months My Coligue Taken personal loan from HDFC bank after that he leave his job and given some payment back to bank now he is not in India as he told to me .few months i submited his loans installment and now he is not in my contact, i am worried that bank will harras me because he was my paying guest. please suggest me what i have to do

Thanks
waiting for ur reply
[protected]@yahoo.com

Dear Sir,

I have Saving A/c. with HDFC Bank since last 1 year.Recently 4 months before I have opened Credit A/c. also, no. is [protected].

But since last 4 months I have not received its PIN no.after contineous follow up with Customer care also.
Finally I got SMS on 10/05/09 that Duplicate PIN no. has sent by courier.But again neither courier comes to me.
After complaining at Cust.care again, on 11/06/09 I have got the same reply that Duplicate PIN no. has sent by courier but they are not giving courier details also to do follow up myself & I am not getting courier too.I had many mails to HDFC BANK Credit card support but invain.

Due to not having the PIN no. I can't register it for online transaction & unable to use it.Also I can't check the A/c. statement online & hence there is no use of card to me.
Recently I swiped it for Hotel-bill transaction RS.15068 but I haven't got Alert on my mobile.On the contrary when I swiped for Rs. 200 i got the SMS. Also when I transfered the money from my savings A/c. Rs.15070 as Credit card bill, i should have got confirmation that bill received against Credit A/c.

Pls look in the matter urgently & do the needfull to send the PIN no.- ( Why don't you have Online PIN creation by customer just like ICICI bank have it ?) Also check why alerts are coming for some transaction & why not on every transaction. of credit card.

3RD PARTY CASH TXN INC ST & EC

What is this taxation ?

Without my knowledge how would they can do?...

Respected Sir

My HDFC bank account no. is [protected] I went to Restaurant Parikarma, Delhi on 29 May and Paid the bill by the debit card.
The bill was of Rs 1061.00 only.The bank deducted the amount on 30 May 2009.Also on 2 June 2009 they deducted Rs 1460.20 also.
I called the customer care and they told me that i have transferred the money to some third party.I asked them to put a query in order to know whom i have transferred.Again I called them to know about the transaction.Then they said that its the restaurant fault.So I called them also but they said its not there mistake.
Finally I get a call from HDFC to fax/email my bills.
I mailed them the bills.And when i asked about the status they said they have not recieved and asked me to again mail.I have mailed to almost 3 ids.
And finally i have been asked to fax and submit the charge back form.

Its really a shame that bank like HDFC has done this.I made so many calls as well went to cafe for mailing them.So i would like to claim the amount for the same and for the inconvinience.

Sir,

31/05/2009 i have recharge with hdfc bank online prepaid mobile refil that time debit my account 55.00 amount but till now mobile note credit for this 55 amount i called reliance customer care he told him no recharge historical data but till not credit this rs.55 amount. very bad service provide in HDFC BANK.



Refno :[protected]
ONLINE PREPAID REFIL[protected]
Date:31 May 2009
Amount : 55.00

Hi,

This is to inform you that i have a salary a/c([protected]) with HDFC bank.Last week i got a call from there side that i have an offer on my a/c to get a personal loan up to Rs.1, 07, 000 though its a pre-approved loan so i dont need to submit much paper work for that with in two days funds will be transfered in your a/c.The very next there representative came to my home & took all the required paper work & three signed cheques.I got the confirmation for that through a SMS on my cell that my application for personal loan has been accepted.In that SMS there was a reference# 15031176 to confirm the status of the loan.After 4 days today when i got in touch with them i got the update that my loan application has been rejected.The reason they gave for this that i had a default in a two wheeler loan before in which few cheques got bounced.I was surprised listening this because i had never taken any kind of loan in my life so how come they rejected my loan without any sound reason.I m really upset on this.Would you kindly be helping on this matter as i have a very urgent need for this loan to have a renovation of my home.They must do a research on this as

Looking for a positive feedback from your side.

Ashu Gupta
+91-[protected]
Branch Address:-Ansals Arcade Plaza, Sec-18, Noida-201301

HDFC bank has declined my personal loan application despite the fact that I maintain a very good credit history and excellent CIBIL scores apart from my salary account with bank for over four years. Bank should have checked my past payment history and other factors such as income. However, Instead of checking my good credit history, The bank choose to check my brothers credit history and declined my personal loan application. This reason given is grossly illogical, unfounded and inane. I have always ensured regular and timely re-payment of loans taken from any bank including HDFC which had earlier sanctioned me a Rs.40000 personal loan which has been repaid fully with out a default (Please check my past/present history with my salary account with your bank).As I am aware that my credit score will always play a very vital role in getting personal loan and not of my brothers or any family members credit history. With good credit score, lenders like HDFC bank should be more than happy to provide personal loan to good customers like me. I know that when an individual approaches a bank for credit the application will be evaluated my past payment history and other factors such as income and security and not my brothers or any other relative. I have a excellent CIR that reflects a good past payment history which should have been the criteria for the loan credit being granted. I would be more than happy to change my salary account with other bank for better customer service. Should you require any other details regarding this please do not hesitate to contact me on my mobile [protected] between 6.30 pm to 8 pm (weekdays) or from 9am onward on weekends.

Dear Sir,

I am Ashok Verma and was working with HDFC Standard Life Insurance Co. Ltd as Branch Manager, Gurgaon since Mar'08 till 06th Mar'09 when the HR Dept.at NFC called me and asked to surrender all the belongings and properties of HDFC SLIC. My this stint was about an year long and was put to end abruptly on 06 Mar- putting a blanket ban on my entry to office of HDFC. It was very humiliating and tyrranic what to talk of professionalism and legalities.
My ordeal is still on. Mr. Karan Chahar(TM) and Mr. Sameer Suri(RM) are bent upon torturing me to death. My final accounts is deliberately held up at their instructions. Also, they are very influential in the industry and have marred my all posibilities of getting a job in Insurance Industry. They both have created a nightmare full of starvation and humiliation in my life. My kids have been expelled from the school and awating a death because of starvation and humiliation for which both the above named people are responsible. Please do justice to save our life. Thanks and regards- AShok Verma[protected]

We had availed home loan from HDFC, Andheri East Mumbai branch in September 2008.of Rs.3, 600, 000.(Rs. Thirty Six Lacs) on FLOATING RATE of interest.

However, it is shocking to learn that the current rate of interest applicable to me is 11.25 % p.a. which is much above the market rate of interest of 8 % - 8.5 % charged by other banks (SBI – 8 %, Canara bank – 8.25 %, Bank of Maharashtra 8.5%) (copies of evidence enclosed). Even home loan offered to new customers in HDFC is charged at 9.25 %. This is nothing but a white collar robbery as the ultimate objective of taking a floating rate of interest gets utterly defeated.

2. Outcome of personal meeting with the branch manager Ms. Philomena Raisingani
(Andheri East) was shocking, she candidly advised that I can reduce the rate by
0.25 %, however for which the conversion fees would be 0.50 %

3. We draw your kind attention to the fact that at the time of loan sanction / disbursement, during the course of about half-dozen meetings we had with bank's concerned officers, we were not told that “floating / flexible” rate of interest are meant only for upward revisions & not adjusted for downward current market rate of interest.


4. When all leading banks are giving home loan at 8 to 9% HDFC continue to charge a whopping 11.25% and in particular, when we have opted for “flexible” rate.

Flexible rate of interest has to be adjusted to current market rate (whether upward or downward)


5. The marketing gimmick to attract customers are unjust, unfair, unwarranted, misleading, to explain, we were told (mentioned in the loan agreement as well) by very senior & responsible office that about the prepayment charges being 2% of the loan prepaid.

Now, it seems the same has been increased to 3%. In this free regime of Economy, how can anyone stop people to shift other banks on better terms & services.

To,
The Manger, Date:[protected]
HDFC BANK, [Credit Card Division, ]
MUMBAI
Respected Sir,
SUB:-FRAUD AGAINST CREDIT CARD
From M. G. Consultant, No. 2/89, Kohinoor Mill Compound, M. J. Phule Road, Dadar East, Mumbai 400014, Mr. Akash, who’s cell no. is [protected], who informed that i have collected the credit card from HDFC Bank that a credit card number is [protected] is issued by HDFC Bank in your name i.e. NIKUNJ A. GOSALIA,
The fact matter of same is as follows:-
I, under sign, Shri NIKUNJ ASHWIN GOSALIA residing at A/2, Anand Bhawan 45 Bajaj Road, Vile Parle (west) Mumbai 400056. As a proof i enclosed the copy my voter ID card, And my birth date is May 6th 1977, i enclosed my birthdates’ certificate here with for ready information, and my land line number is[protected]. The bill of telephone company is also enclosed here for your ready information,
For your kind information that through out my life i have never made any application to your bank to obtained any credit or debit card from your bank so the question does not arise that i am holding any credit card of HDFC Bank.
As some un-known person is using my name with fraud address of my office,
I would like to co-operate in this matter in any manner because this fraud person has used my identification without any personal or written permission, and also i wish to have co-operation from you as such that i need the following information from you to follow up my safety to submit with all connected concerned department specially with Police department,
01 The Copy of application form which this fraud person has made to obtain the credit card,
02 The detail of account as used by him against this card,
I am ready to Co-operate from all respect point of view and also i wish the same thing from you,
With regards
Thanking you,
Yours faithfully,

Nikunj AShwin Gosalia
CC:- to [1] Lok nyayalaya,
[2] HDFC BANK HO by email,
[3] JUHU Police Station, Vile Parle west
[4] M/s M. G. Consultant,
[5] Consumer Complaints Forum