HDFC Bank Complaints & Reviews

I have a saving bank account with HDFC bank. They have charged penalty for non maintenance of minimum balance and now my balance is showing negative.
It was my salary account but I have left job in year 2010.
Can they make balance in Negative as per RBI guidelines?

I am Jagtar Singh and on 22.12.23 i got the message that your address change request letter is undelivered and visit nearest bank branch to avoid blocking of your account so i did the same and i visited the Ramghat road branch, aligarh and firstly they did not understand my problem so they asked me to write a letter to brnach manager so i did and my first complaint 37966816 lodged but as on today 28.12.23 i visited the branch and they are showing me that your account is okay and regular nothing is wrong but when i showed them UPI, NEFT and ATM transactions then they realised that problem is not normal though they tried to ask and my RM was also called but nobody knows what is wrong so they finally lodged my second complaint 38083278 and in the process they also done my Re-KYC but nothing happened. Now in the evening i got message from JX-HDFCBK that welcome to your newly activated HDFC bank account and enjoy all digital banking but my problem is still standing where it was on 22.12.23 so please help me out. My salary is also disbured in the same account and many other EMI also attached with it now with this blockage everything is closed and i am afraid of getting reveresed my salary and bouncing of many EMI.
So i have only one option left of opting for other bank account and let this account be closed forever because I am not hoping for any help from HDFC bank as they are poorest when it comes to serve customers.
So thanks HDFC Bank for your "services"

I have a salary account with hdfc bank. I have started with sip in mutual funds (IND Money) using auto-pay option. Even though I had sufficient balance on sip date, I have been charged multiple - ach debit return charges of Rs.2419 (531+649+649+442+148) on the same day deducted from my account and now my balance is showing Rs.-148 on 26/12/2023.

I have never been informed that this would be charged . What are these charges for! Why are they so high. It is not a debt I have to pay. It is sip. How can we inculcate habit of regular savings if you penalise so harshly.

Hdfc bank has to return this money. There was no intimation from the bank. I didn't even receive any SMS alert regarding this deduction

Please help me resolve this. People are losing trust in public banks and now these banks also!!!. Although it doesn't make a difference to hdfc bank for sure, but i will close my account if it is not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me of the charges for the same. Heights of fraud.

Please help me resolve this and return my money.

My salary account (In HDFC Bank) was created in my first company, since then I was using the account. Now my salary account in HDFC Bank has been converted to a savings account (Without informing me or warning me). When I logged into my account on 27 December 2023 for some reason and to my surprise what I saw was that I have a negative balance of Rs - 1121 was reflecting in my account. I request you to please take action against this and resolve the issue.

I am Yogesh Kumar Jain and having a salary account in HDFC bank... Account number is 5010.[protected] and today I found that my bank balance is showing in negative balance with Rs. -2224 and showing as Mirevenue hold through GEFU
It is a salary account and there should be no average monthly balance then why this hold
Kindly resolve urgently

I am Yogesh Kumar Jain and having a salary account in HDFC bank... today I found that my bank balance is showing in negative balance with Rs. 2224 and showing as Mirevenue hold through GEFU
It is a salary account and there should be no average monthly balance then why this hold
Kindly resolve urgently

Today on 26th December, 2023, I made payment of policy renewal due today for HDFC policy number 17262591, online but due to slow network I was unable to download acknowledgement receipt, but through sms and ivr toll free number both I got confirmation message. Now I want policy renewal premium receipt/ acknowledgement please send and rest thanks. My registered mobile number is [protected], and email is [protected]@gmail.com

R/S Sir/Madam,
I'M Sonu Kumar, From Faridabad (Haryana).
I have a salary account - [protected] with HDFC bank. I have been charged "ACH debit return charges" of Rs 531 is deducted from my account and now my balance is showing -145.32 Rs on 26/12/2023.

I have never been informed that this would be charged due to lack of funds. What are these charges for! Why are they so high. It is not a debt i have to pay. It is sip. How can you inculcate habit of regular savings if you penalise so harshly for not having balance.

Hdfc bank has to return this money. There was no intimation from the bank.

Please help me resolve this. People are losing trust in public banks and now these banks also!!!. Although it doesn't make a difference to hdfc bank for sure, but i will close my account if it is not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me of the charges for the same. Heights of fraud. You must give me a warning that if funds are insufficient you will be charged. Nothing was there.

Please Please help me resolve this and return my money.

Reference No. of Case with HDFC is[protected]

Pending Refund of Rs 29984/-

On 09 Dec 2022, I was booking a flight on Spice Jet website for Delhi - Bagdogra. I used HDFC credit card for payment of Rs 14992.

After Submitting the OTP for payment, the website redirected to homepage without confirming the ticket.

Later, I found that additional 4 transactions of Rs 14992/- each (Total Rs 59968/- ) was charged on the card.

02 Transactions amount Rs 29984/- have been refunded by the HDFC, but other 02 transactions for Total amount of Rs 29984/- is still pending since Dec 2022.

It is requested that the pending amount of Rs 29984 may be refunded at the earliest.

Email correspondences have been exchanged between me and HDFC Card since Dec 2022.

All details sought by HDFC have been forwarded multiple times.

The standard response that I get is that -"the case under processing and we will get back soon. "

It's about one year since that incident.

Please accord due priority to resolve the refund of Rs 29984/ at the earliest.

I applied for DOMS IPO for which I didn't get allocation and my funds are still freezed. I received SMS from bank i.e
HDFC Bank: UPI-Mandate for Rs 14400.00 could not be cancelled due to VA

I checked my UPI app and it shows Mandate revoked. Kindly help on priority to resolve this issue....

I am holding a salary (Savings) account in HDFC Bank (Account no. [protected]). Debit transactions were blocked from my account in September. I had a conversation with customer care and i was instructed to visit the nearest branch for KYC. I visited the nearest branch (Netaji chowk, Ulhasnagar) and did the needful. After one month of follow up, they told me to visit the home branch (Kamala Mills, Lower Parel).

I visited the home branch in 1st week of November, and again did the whole KYC process and other formalities which i did in the nearest branch. After one month of follow up, i got no response from them. Suddenly i was called to give details of 500 (five hundred) UPI transactions i have done from my account since last one year (since the account opening month). I accordingly gave the details of all 500 transactions in the excel sheet that was shared with the nearest branch and i stayed in the branch for 2 hours and gave all the details.

After all the follow up mails and messages and calls, i got no response from anyone, neither the nearest branch nor home branch. It is almost the end of december month and it has been almost 4 months and i have not received any information or update or solution. Every time i contact them for an update, they simply say that we have forwarded the complaint, we have forwarded your mail, etc. but no response.

My Diwali festival got ruined because of this situation. I had plans for my family and i couldn't do anything. I had so much pressure on me for paying my monthly installments. I had to borrow money from others to pay the same. Since the organization where i was working before October, i was about to receive Salary and Full and Final settlement of two months together. I had received the same in my account but i could not use the same.

Every month around Rs. 25000/- of installments goes from my account, but it has been really hard and frustrating sine last 3 months. I request you to please help me in this situation as i need my money as soon as possible to pay my debts.

Also, since i changed my company in October, my registered mail id was associated with my previous company which is now inactive. So for any further communication from HDFC Bank, i request you to please communicate through my registered mobile number & alternate mail id (rohan.[protected]@gmail.com)

Dear HDFC Bank Customer Service,

I hope this email finds you well. My name is Soumana Ghosh, and I am writing to bring to your attention a matter of concern regarding my credit card Jumbo loan account.

I recently availed a credit card Jumbo loan with HDFC Bank, and I had foreclosed the loan amount a year ago, ahead of schedule. However, to my surprise, I discovered that the loan account has been converted into...

Dear HDFC Bank Customer Service,

I hope this email finds you well. My name is Soumana, and I am writing to bring to your attention a matter of concern regarding my credit card Jumbo loan account.

I recently availed a credit card Jumbo loan with HDFC Bank, and had foreclosed the loan amount ahead of schedule. However, to my surprise, I discovered that the loan account has been converted into a savings bank account without any prior notification. Furthermore, this savings account has been merged with my existing savings bank account without my knowledge or consent.

This unforeseen development has raised several concerns for me, including issues related to transparency, account management, and the overall customer experience. I am reaching out to you to seek clarification on this matter and request a prompt resolution.

Please find both of the credit card Jumbo loan account details below:
1. [protected] - INSTA JUMBO LOAN[protected] 08 Aug 2022
2. [protected]- INSTA JUMBO LOAN[protected] 16 Mar 2023

I kindly request you to:

1. Provide a detailed explanation of the process that led to the conversion of my credit card Jumbo loan account into a savings bank account and its subsequent merger with my existing savings account, though I had foreclosed the loan amount more than a year ago.

2. Clarify why I was not informed about this conversion and merger in advance, as it has significantly impacted my financial arrangement with HDFC Bank.

3. Resolve this issue promptly by either reversing the conversion and merger or providing a satisfactory explanation and solution that aligns with my financial preferences.

Kindly find my bank details below:

Customer ID[protected]

I value my relationship with HDFC Bank, and I believe that prompt attention to this matter will contribute to maintaining the trust and satisfaction of a long-standing customer.

Please treat this issue with the urgency it deserves, and I look forward to your prompt response. If additional information is required from my end, please do not hesitate to contact me at [protected]@gmail.com.

Thank you for your immediate attention to this matter, and I appreciate your efforts in resolving it swiftly.

Regards,

Soumana Ghosh
Email ID- [protected]@gmail.com

Parrys Branch Activities Five Thousands Nil

Hdfc bank has been debiting money from my account with asking and keeping my account in minus they are not giving response on this also I tried to connecting them
They are cheating me first they said account is 0 balance account and now they are keeping it in minus and taking all my money

Hi Team,

Its my hard earned money Rs. 12000 which HDFC, Varthur Branch, Bangalore has deducted and used on the name of AMB. I raised complain to waive off previous charges and refund my entire money back in the account. But they never helped. I feel cheated and fraud done by HDFC bank itself.

They changed the rule from AQB to AMB (average monthly balance) without notifying me. No calls, no emails.

HDFC people responsible for this who eat my money are, Smriti Kumari Chandru [protected], Mrs. Partha [protected], Zonal Head [protected].

Bank is for customers and runs with customers and their requirements. Rules can be changed if customer is regular and loyal. Bank do not have any right to eat customers money without informing or their permission. I seek help and justice from India Consumer Complain Forum so that I can get my hard earned money back by Bank buglers.

Dear Team IRDAI
Greetings
I do have 2 HDFC Life Insurance Policy. The Policy Number 20389381and 20389379 respectively.
I have requested for both the policy to convert as Paid up reason, since there is INR 520 deducting every month out of INR 4167 premium paying for each policy.
I send email for the same and told me it will take 75 days for conversion.
I requested why it is taking this much time and where it is mentioned in the policy for stating the same.
There is no reply for my complaint.
As a customer and policy holder I got frustrated and disappointed for this kind of behavior from HDFC life insurance Team
I need a proper reply for the same.
Regards
Rani M

Dear
Greetings
I do have 2 HDFC Life Insurance Policy. The Policy Number 20389381 and 20389379 respectively.
I have requested for both the policy to convert as Paid up reason, since there is INR 520 deducting every month out of INR 4167 premium paying for each policy.
I send email for the same and told me it will take 75 days for conversion.
I requested why it is taking this much time and where it is mentioned in the policy for stating the same.
There is no reply for my complaint.
As a customer and policy holder I got frustrated and disappointed for this kind of behavior from HDFC life insurance Team
I need a proper reply for the same.
Regards
Rani M

I'm writing this in regards to my HDFC salary account. All of a sudden I'm unable to make any transaction neither recieve any money. Keep getting error "low severity memo issued on debit account" . Bank did not intimated any information on this in prior and I'm in urgent need of funds as that is only account I've with my money and my family is dependent on it.
Please help to get this resolved or atleast tell me what for this memo is issued.

Respected sir/mam I am Sameer Kumar karna and I have Paytm hdfc credit card and on month of September unauthorised transaction occurred but the bank is saying I have done that but on that same day i blocked my card but after that I talked to bank customer executive to issue a new card so that I can pay the bills but bank is not issuing new card and I talked to Paytm customer care they told me we can not do anything bank will provide you the new card but they are not listening my word I have waited for 4month regarding that but they are including interest and it's affecting my cibil score also and also if I don't have a new card I can not pay the bill bcz previous card is blocked. And I talked with the nearest branch they told me that talk with Paytm and Paytm is saying talk with bank I am very much stressed from this kindly help me out from this