HDFC Bank Complaints & Reviews

This is with regret that i had taken loan from centurion bank of punjab(now under hdfc bank), loan a/c no.91493301.As per R.B.I. guidelines the procedure to follow the customer is completely ignored by threatning n abusive language been used in the conversation by the goons like MR. RAHUL ARORA who sits at the banks ITO branch.Proof of recorded transactions are with me to counter the same.we have been paying instalments for almost 32 months but due to some financial problem we were unable to pay on regular basis.after repeated request to the bank as being paying regularly without a single bounce in our record, bank has been using threat n abusive language at my premises with my family.
I would request u to kindly intervene in this matter ASAP.my contact name n num as below.

Jaibir.s.Narula
[protected]


THANKING YOU

>> Slow, ineffecient processing of the Credit cards to be renewed. <<
[protected][protected][protected][protected][protected]-

In the current era of recession and tough times - ensuring existing clients remain your customers is very much important & the relationship with the customers is a very vital factor.

I have a salary account in HDFC as well & my credit card was supposed to be expired in July 2009 and the renewal request from HDFC Bank was quick as well (so far so good). But after the renewal form was filled in my card did not arrive and in this long time in between i had moved into some other flat within the same building. After around two weeks of shifting my place - corrier personnel doesnt handover me my credit card (even if am ready to furnish details like DL# or passport)... Though, the reasoning from Corrier side seemed justified - I did fill in again a new form for change of Address... After a month - on continuos enquiries at last today I have been told that the address I have furnished is rejected as the PIN code mentioned was different...

I have some Open Questions -
> The pin code is a fixed entity - does the customer really requires to mention the PIN CODE ? Even simple softwares could tell you what the PIN code is for a certain area, then why do you depend solely on what the user has entered ? And does an already existing customer prove that he/she has already been validated ???


> The Pin code issue was never informed to me (the customer), it is only after a month and half's continuous inquiry rounds that today I know what the issue is... Why does the customer not get contacted instead of waiting for call from customers ? Have your outgoing call rates been soaring or what ?


All said and done - atleast I now understand how important a customer I am... (better late than never). :)

I kapil chopra resident of h.no.14, village Bhikhiwind, tehsil patti, distt Taran Taran, Punjab. my saving account no.[protected] in HDFC bank branch, The mall, Amritsar. I received a phone call on 22-07-09sent by madam isha from HDFC bank the mall amritsar she told me that the sign on the cheque is not matched given by you in favour of global computers. I said to madam isha I have not given any cheque in favour of global computers but madam said to me you will come to the bank tomorrow. .Immediately I went to bank on 22-07-09 on evening but security guards says to me that the entrance time of the bank is over. so I can not entered the bank & went back. Next day I met to madam Isha in the bank & told her about that cheque. she shown me that cheque when I saw that cheque . I told her that the signature on the cheque is fake. I told her that my cheque book has been misplaced some days ago . I request to her give back the cheque to the global computers & told them the signature on the cheque is fake. but the bank returned that cheque to the global computers with the statement of insufficient amount in this account. so I request you that when I meet to madam Isha & told her that the signature on the cheque is fake then why issued the statement of insufficient account to global computers.sir if a related person told about that matter but no one authorized person take any action against who produce such papers/cheque then sent a message on phone is nothing. its the carelessness of the bank & influenced persons do anything against any person with the bank employees 's help. So happened in this matter.So I hope you will be solved this problem quickly.

thanking you
Kapil chopra
Account no.[protected]

Sir,
HDFC Bank, Athwa lines, Surat-395007 have couriered the the debit card to my Panvel address on 13/7/09 (as per my telephonic enquiry with them today)through Professional couriers. I am yet to receive it. Kindly deliver it to my address below or else give me the location of your office in Panvel from where I can collect it. My address is :"Venkappa Bhat M, B3-17-554, ONGC colony, Panvel, Navi Mumbai--410221." Mobile No-[protected]
regards,
venkappa Bhat

Sir,
My mother(NA Padmini, Neduveli house, Ayyampuzha P.O, Ernakulam- 683581) had a two wheeler loan in your Cochin branch Agmt No[protected] for vehicle No KL 7 BA 2388. The repayment completed in the month of Jan 2009 and my mother alongwith me settled the balance amount Rs. 2542/- on 17 Apr 2009 with some penal waiver. The office staff told us that the settlement may take another two months and we will be informed the matter within two months. Since there was no communication from your Cochin office I registered a telephonic enquiry on 17 Jul 2009 and the reply was not at all satisfactory. I then went to your Cochin office directly on 19 Jul 2009 and I have been informed that still the computer showing above Rs.600/- arrears. Since I am from a Defence Services background I simply cannot digest such type of mismanagements in any office. I couldnot understand what the staff doing? Incidently I met with a another person telling me that he closed his loan eight months back still making up and downs then. Since I went in your office on 19 Jul 2009, neither I have been called back nor I received any infromation from your good office. The vehicle has already been sold and we face difficulties in settling the deed and deface our image. We request to look into the matter urgently and issue NOC in faster means.
Thanking you in anticipation,
Yours faithfully,
NA Anilkumar.

I like to reteriate that inspite of being a privileged customer of HDFC Bank- New Alipore, Kolkata and a senior citizen - I have been misguided by HDFC Rep - who was instructed to invest my allocated savings fund in an one time depositary scheme of 1 lac each.

Incidentally, HDFC irraneously deposited the funds under policies no.10721511 & 10721512 without briefing/ consent. Due to my limited knowledge, I had deemed that these policies were Single Premium - hence no further actions were taken by me.

Upon learning that annual premiums of 1 lac each has to be paid inorder to keep these investment alive, i had complained to the Branch officials but they turned deaf ears to this issue.

Sir,

I had given application for close my demate and saving account (Two seperateto a person with assurance that he first close demate and then saving) in first week of june, to the HDFC bank in personal, and they govern assurance that it will be closed in three to four working days, you withdraw your all money from atm and rest will be get thru check

After three weeks i got my applicaiton back along with statment that saving could not closed without closing demate account.

i resubmitted the both application and this time also i visited personnally and they give assurance that it will be proceeded.

after one month i get notice of low maintainance of balanve and they deducted 40rs.

That means the accuont are not closed yet.

When i rang to given number of branch..no body had responded on firt number then i call on second number link to loan dept he gave me anohter nubmer ..[protected], , that also no body had picked up...

Now shd i waste my time behind such a small matterr..i coulnt able to understand why this privest sector bank creats problem.

When they have to open a demate/saving account the agetn come three time at home, after call.

and now...

Account number
[protected]

I maintain a savings account with HDFC Bank, Vaishali Branch, Ghaziabad. Minimum balance I need to keep is Rs. 10000. Earlier minimum amount as per account opening form was Rs. 5000. And then one fine day, I recd. an email that your minimum amount is increased to Rs. 10000.

Imagine this:
1. Being debited Rs. 100 + service tax for depositing cash by some other person on my behalf (my sign on Pay in Slip)
2. Being debited Rs. 100 + service tax for payment in cash for HDFC credit card bill.
3. If above was not enough, I was not allowed to do cash transactions in other than home branch for some lame excuse that I am not invesing in the bank. Branch manager informed that either you do not do more than 2 transactions in your account by cheque or invest in the bank to unfreeze cash transactions in my account.

Now the latest, I issued a self cheque to a person and the bank debited me Rs. 100 + service tax as the person collected cash from other than home branch. I talked to phone banking officers (so called customer care officers) and was rudely treated and asked to visit home branch.

Its like HDFC Bank looks of for reasons to debit charges to the customers. Only reason I can't close this account is that I hold a locker with the bank. Please suggest what to do.

Dear Sir/Madam .

I, Sumit Kodasi with an HDFC Silver Credit Card woud like to bring to your notice that I'm getting calls from Collections from HDFC Bank Indespite of making the Minimum Payment Required for the month of July.Dated 27th JUly at 1730 There was a call from a lady who claimed she was from HDFC Bank.She was highly rude with My Wife who picked the landline call.She at once started abusing my wife & started talking Nonsense(Called from [protected]).As the card is on my Name the lady who called said she is calling from the HDFC Bank & She would like to talk to me.I, SUMIT KODASI is also having a saving Account with HDFC has never defaulted against any loan & has been holding the account for the last 7 years..

I must admit that In today it is a mere harrrasment where I being a genuine customer & even making the payments, I get calls from people who ere rude.

Sorry to say that HDFC now hires people who dotn have any ettiquetes & manners to talk with customers
& who harass genuine customers.PLease take the neccesary action against the person who called Me &
I Demand an aplolgy from the Bank's Side or else I have to Escalate the matter to highest level as far as it can go as these people who call dotn even have the correct DATA before they call

Thanks & Regards

(SUMIT KODASI)

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