HDFC Bank Complaints & Reviews

I have filed the complaint mentioned below which explains the case:

Dear Mr. Giridhar

I was shocked to receive a letter from your credit card division for the Card no. [protected] which shows an outstanding amount of Rs. 12622.72.

I would like to remind the HDFC Bank authorities that it was your salespersons who walked into our government institution and after a lot of pleading they got savings bank accounts (salary accounts) cases prepared and opened for our staff which none o[censored]s availed. None o[censored]s deposited any money into these accounts as our salary accounts were already active with SBI. This was explained to your salespersons but they were bent upon just achieving their sales target. The savings account opened in my name was #[protected].
Along with this they also pushed credit cards on a few of our officers. As I already had a Gold Credit card from another company, I was reluctant to get another but the salesperson pressurized the whole staff and some o[censored]s got the cards made to satisfy the poor guys. I just made a single transaction on that card and surrendered the card after paying the dues as well following the prescribed format of cutting the card and dropping it in the HDFC ATM drop box along with the due amount. There were a few hiccups after which your helpline on the phone informed me that my account was settled and the card was no longer valid as it had been returned along with the payment.

NOW, FOUR YEARS LATER YOU SEND ME A LETTER CLAIMING THE ABOVE AMOUNT AND THREATENING LEGAL ACTION. THIS IS HIGHLY OBJECTIONABLE, ESPECIALLY THE PARA IN THE LETTER THAT YOU HAVE SHARED MY PRIVATE INFORMATION WITH OTHER BANKS AND INSTITUTIONS.

IF YOU DO NOT CORRECT THE SITUATION, IT IS I WHO WILL SUE YOUR BANK FOR LIBEL AND DAMAGE TO MY REPUTATION.

The Bank has renewed FDRs automatic for 2 year 15 days @6% p a. The Bank has kept special rate for 6month 16 days, 9 moth 16 days, 1year 16days, 2year 16 days. The Bank is renewing FDRs for 2 year15 days 15 days @ 6% pa.whereas they 0ffer 7.25 % for 2 year 16 days. why give 1% less for by renewing for one day less tenure.
The customer care officer say you can get the FDR cancelled by sending mandate signed by all the holders. This way we shall bel loosing interest for the period form the date of maturity to the date of cancellation.
Definitely there is deficiency of service. Kindly see their rate structure.

I am Manish Jha. I worked in HDFC Bank Ltd in Gurgaon at Khandsa branch as a Team leader. I joined HDFC Bank Ltd. on 19thDecember, 2008. My employee code is CM15162. My interview has been taken by S.M (Mr. Gaurav Goyal) and fixed up my salary Rs.12000/- p.m.I was given branch at Cyber city in gurgaon and there was no facility to mark my attendance. I worked hard for two months but I got neither appointment letter nor salary, even my salary account has not been opened. I asked to S.M about salary then he replied “You have not salary account yet, so you will get your salary within two months after opening your salary account. It was shocking moment for me because he had no time to open my salary account so it was uncertain that when I will get my salary even if he open my salary account that very moment despite that I will get it after four months of joining the organisation.I was facing severe financial crisis that time so I asked him any idea to get my salary within a month then he adviced to give resignation and said “you will get D.D. of your salary in 15 days against your 57 working days. So I gave him resignation on 16th feb, 2009. Now more than 4 months have been passed and whenever I make him call he says financial year[protected] has been closed so you can’t get your salary. After a long telephonic conversation he agreed to pay Rs.13000/- only and paid the same on 26/06/2009.But this amount doesn’t justify my 57 days hard work according my fixed salary. Still I am passing through mounting mental pressure and financial crisis.

Dear Sir,

This is to inform you that I am suffering from a cheating case of credit card no:[protected] On 19th june09 I received a call from telecaller([protected]) that I have made purchases of 24100/ through the mentioned credit card During march06 & total outstanding of the card is around 56000/- including interest, and you have to pay Rs 22000/- with in next three days to avoid any legal action. I was surprised after listing this because I havent received this credit card. I told that lady that when I was in Gurgaon working with matrix cellular services I have applied for a HDFC bank credit card but after that I resigned that organization & moved to lucknow. So my question is that how bank can deliver the credit card & even pin no(reflecting in Rs 4000/-cash transaction) to a wrong person, without taking my personal details proof. On asking the delivery details of the card they are unable to answer.After that I have taken the number of their Manager Anupam Sudha([protected]) to know more about the case she told that your statement of accounts have been sent to my office & bank is doing written communication from last three years. But I havent received a single statement till date, bank have my permanent address & my email ID also so why I have not been communicated to my permanent address. Now I felled harassed thru the entire case. On 20th june09 at 11.45 AM I received call from Banks legal advocate(Mr. Amit Tayagi) that bank has sent you the legal notice to you two times & if you do not settle the payment before 3PM a warrant will be issued against you & police will came to your home along with an advocate & take total outstanding of Rs 56000/- or objects of the same cost or arrest you. For settlement they told me to contact Siddharth Pandaya at HDFC bank . I went to bank & met with the same person, coincidentally Mr. Ashish Kumar Sharma(Deputy Mgr- Debt Mgt) from HDFC bank cards division was there I told the entire case to them but they told that he is from collection department they only settle your outstanding. In bank he checked the details of the card thru an online software but important details like DOB(20/06/1981 Actual against 19/02/1980 in system detail) phone nos at that time was wrong in spite of this they suggested to settle that outstanding. I have asked the concerned person to provide me disputed deceleration form to settle to avoid any legal action but they denied that they have not any provision of that you have to settle the outstanding & then you communicate to customer care over the case. So for a credit card which I have never received and in that important information like DOB, Phone no, Delhis Local address are wrong how can I pay for that even after getting threat of legal warrant. On 20th June 09 I also requested to send the copy of application form, Statement of account, Details of communication if any to my permanent address which is still awaited.

After this.due to continuous harassement from the bank officers mentioned Above. I have deposited Rs. 22, 000/- (Rs. Twenty Two Thousand) on 24/06/2009, Receipt No. C 17235107, settlement reference no. S 0530503. I would like to further state below facts.

1) I have never received the credit card.
2) I have never received any statement of a/c from the bank.
3) No communication has been made to my permanent address mentioned in the application form.
4) At the date of deposit of the payment by me, i have crosschecked the personal details mentioned in the bank's software against credit card no. [protected]. The date of birth mentioned in Bank's record is wrong. Phone No. mentioned in the Bank's record is wrong.
5)Deputy Manager - Debt Management, New Delhi, Mr. Ashish Kumar Sharma, was not able to provide any proof of delivery of the card/pin no. to me.
6) I have requested for a copy of application form, which was filled by me, which has not been provided to me till date.

For last 3 months have not got monthly only communication is through SMS.

This is regarding an exceptionally rude and abusive behaviour from one of HDFC employees.

Today I received a call from an employee in HDFC credit card department, Golden Tower, Koddihalli, Bangalore - 560017.

That employee had called on my own brother's mobile, [protected].

He was asking details about a credit card defaulter and even after giving the defaulter's mobile number, he was calling on our mobile number again and again to get the details of defaulter's native address details which we didn't know. He was talking very rudely as if we were the defaulter.

I had received his call on my brother's mobile and when I said that I don't have details and please don't call us again, he abused me, threatened me to take legal action, asked my home address and then threatened me that he will come to my house and teach me a lesson.

The credit card defaulter person had done some transaction few month's back in my sister's HDFC SB account also. The executive had her account details and he used her name during conversation also and very bad abusive language for me and my sister for no fault of our own.

When I asked his employee ID, he refused to give his HDFC employee ID detail.

He gave me the below details:
HDFC Employee Name - Rajan
HDFC Credit Card Department
Golden Tower,
Koddihalli,
Bangalore -17

I have received the call from the below number:
[protected] between 10:45am to 11:15am on 03 July, 2009.

He took my office address and phone number and threatened me that he will come to my office or home and teach me a lesson.

After the call, I feel tremendously mentally harassed and depressed because of his words.

Is there any reason in humiliating a person who just had some Rs1000 SB account transaction with a credit card defaulter.

Can you please guide me how should I go about complaining about HDFC Executive Rajan.
Is there anyway I can be provided any of HDFC Bank's Senior management E-mail ID.

Or where else can I appeal for the humiliation I am going through.

Thanks & Regards,
Nikhil Verma
Mob No. - [protected]

I have been using my hdfc credicard no [protected] i have been having problems using my online transaction facility which i use to book train tickets . i have made three requests over a period of last 3 weeks with no response whatsover . They are not even bothered to take up my case and i need to put up my case as a new one everytime i call. what i awfull sight of the customer care centres they are only interested in making new customers but not at all interested in servicing them

Respected Sir,

I have taken personal Loan at HDFC back, I have paid total of 44 EMIs and for remaining 4 EMIs I requested for Fore Closure, They waved all the late payment charges and agreed for settlement for Rs 25000/- and they promissed me that they will send all my advance cheques and NOC in one month.

After one month I called them they told me that they have closed my Loan, but they are not providing all my Advance cheques and NOC

Could you please help me to get all my Cheques and NOC.

Here are the details of Loan,

Bank : HDFC Bank
Branch: Old Airport Road, Bangalore
Loan no: 1610292
Manager involved : Vinod K
EMI Paid :44

Please let me know for any clarifications

Regards,
MK

My HDFC Card No is [protected].

In the month of Jan' 09 HDFC Card has made an automatic payment of Rs. 24, 000/- to HDFC Standard Life. Sufficient fund was not available in my card account but still they made the payment but declined it. They have not taken my consent by any means before this transaction.

Threafter, HDFC Charged me Overlimit Fee of Rs. 600 for 3 months. I have asked them an explanation but they haven't given any. Due to there non response payment got delayed though i made the payment within a week of due date. Still they have charged me Late Fee of Rs. 600 for 3 months. Customer care executive of HDFC confirmed me that they will levy all these charges if i make a payment of Rs. 12, 000/-. I made that payment but they haven't waived the charges.

Instead of my repeated request (over mail & phone) the charges has not been withdrawn.

I feel HDFC is cheating the customer this way.

I would like to have a justified solution of this issue.

Kousik Roy

Hi,

This is to bring to your notice an issue wherein the HDFC Credit Cards Division has directly debited an amount of Rs. 7819 on my Visa women's Gold credit card.

I was given a committment & assurance by one of thier Senior Managers in March, 09 that they would clear off & negate y outstanding balance of Rs 6000 at that time) if I made a due payment of Rs 300 then. I very much & happily paid them 300 & was resting assured that my account would be all clear after that because this 6000 amount was balance on me on account of some extra financial charges laid by them for thier own reasons !

Post that, I again started getting calls from them in May to clear my dues & I was taken aback ! Every time I got a call from a different person at thier end who refused to tell me his name so that I can give his reference to any other call I may get in future. I kept telling them that I have already had a word with thier senior manager who has assured me that my account would be zeroed down & I do not need to make any payments. They were satisfied by my response & told me "Sure Mam, thats fine."

And then, one fine day when i checked my Bank Statements, I found that they have laid a lien & directly debited Rs. 7819 (the escalated charges till June) without any prior permission !

Now, they tell me that they did send me a hard copy of the lien notice to me (which I never received). Also, they tell me that there is no such policy of refunding the charges back & they are not concerned who soever talked to me & assured me of it !!

Besides this, I never got an sms alert or an email alert or a small phone call from them before laying a lien on my account ! Otherwise. they keep calling me for collections & used to send me alerts for every little thing. How can they just do away with directly debiting some amount without being confirmed that the customer is aware of it??

Moreover, every mail they write just rudely says that nothing can be done about it now & its a part of thier Card Member Agreement. Nothing of this kind was ever intimated to me while I was buying the card.

Everytime I try to contact them, a different person responds (Archana, Vidya, Ramesh...Please go through the attached email communication I have had with them since June 21, while the amount was debited on June 16, 09).

Why can just 1 person not communicate with me who is aware of the entire case history?

This is a sheer case of breaching a customer's trust, placing false commitments, miscommunicating things all across & falsifying the customers !

(My only mistake seems to be that I did not record the telephonic communication wherein I was assured that my balance would be negated.

Please take due measures to help me if possible.

Thanks,

I HAD HDFC BANK CREDIT CARD WHOSE NO. IS [protected]. ON 04/05/2007 i had purchase of goods worth Rs.1853 WHOSE PAYMENT MADE BY US ON 16/05/2007 AS Rs.1754 DUE TO Rs.100 cash back offered by hdfc credit card and for such Rs.100 hdfc charged panelty of Rs.6000.WHY? please explain and waived of panelty.I AM not pay off panelty.hdfc credit card recovery agent daily disturb me

AJIT AGRAWAL
[protected]@gmail.com
[protected]
this mail also send to RBI from his site www.rbi.org.in

I have transfered amount Rs 15, 000.00 on 30-JUN2009 through NEFT netbanking from HDFC account [protected], chembur, Mumbai to SBI(Account Number [protected], IFS code SBIN0010124, Anushakti Nagar Mumbai) which has a transaction reference code HD[protected].

The amount has been debited from HDFC account on 30-JUN-2009 but the same is not yet credited to my SBI account till Today on 2-JUL-2009 till 0900hrs.

Even after multiple complaints and infinite calls, there has been no inputs from SBI or HDFC regarding the same, The issue still remains unaddressed. This has caused me multiple issues and has cascaded to multiple losses.
I have no doubt of filing a complaing against the 2 banks.

Are you fed up with fast life ? So visit HDFC bank. You feel relaxed as they take minimum 12 days for account opening. Not only that, if you deposit cheque for collection they take minimum 5 days for collection, even it is a local cheque. If it is high value cheuqe then it takes 3 days minimum to collect.
When there was no technology around PSU banks used to open account in one hour flat and collection of cheques was never beyond...

RESPECTED SIR
with due respect,
I chander shaker
i was working as CONTRACT SALES EXECUTIVE(CSE) in phillaur branch(1421)
jalandhar from[protected] to 31-03-09.and after that
i was transfer in goraya branch and in that branch i was work
1-04-09 to 29-4-09 . my employee code was cc08236
&my salary a/c is [protected]
this is my query that till yet
i do not receive my provident fund &living letter also experience
certificate.i request my team leader &
S.M many times but they are not supporting me.
now i am requesting you to release
my p.f as soon as possible in my salary a/c
& send me above said document as early as possible and obliged.
otherwise i will approching to the labiour court.
yours faithful
chander shaker
cc08236
PHILLAUR

Hi,

I am Ajay Kumar i am holding a credit card of HDFC Bank. Due to some financial problem i was not able to make payment on time but now from april i am making their payment on time as i received the call from the collection agency and they said sir you make the payment through cheque but i said it get delayed and might be i have to bear late fee charges but they said we have update your account and you don't have to bear late fee charges but from last 3 month i am facing this problem and when i received the call from collection agent of HDFC Bank they said you will receive the late fee amt. reversal next month but i have not get till now. Please do the needful for me. I am having a lots of problem. I want to clear all the due payment but due to this type of activity i am not able to do so.

Thanks & Regards
Ajay Kumar
[protected]

I was holding a credit card no. [protected], the dispute started when your one call center executive called me for the option of "BAJAJ ALLIANCE INSURANCE POLICY" he told me that amount will be deducted from your card only after my written confirmation. this cal was made on AUG, 08. And when i received a bill of my card on SEP, 08 the amount was charged from my card. And since then i am asking your executives to look in the matter and respond back so that i make rest of the payment and close this issue for ever, but no one is bothered to do so.

I have taken home loan rs. 6 lacks and it was taken Oct. 2005. I have decided that I have to repayment my due home loan to HDFC and I have confirm to HDFC account dept. in our local branch and they told me that "if you pay by your Saving bank accounts and you have passed above 3 years then we do not count any prepayment charges 2%". but if you refinance from others bank like take over then they are count charges 2%.

So my self I have arranged fund from other, and that fund is transferring in my Saving bank account then after I reached at HDFC and I told them I want to close my HDFC home loan by issuing my Saving Bank A/c cheque. then they asked me how you have arranged this fund ? you have submit proof of your Saving Bank Account fund, So argue them I do not disclose my account matter and there are no any rights to ask me bcz this is my personal matter they have told me you have to pay 2% prepayment charges. and I have bare that amount.
While I have taken loan from HDFC and signed agreemtn there are no any clause they can check my SB accounts. So, please suggest me what I have to do ? where I have to complaint - I thought that I have to complain consumer court/ news paper article / what ?

HDFC having rights to take charges if we pay from our personal account cheque? they have rights to inquiry to find where this funds comes?

Pl. suggest me and write me if you know any particular organiation for complaint the same, I want to do procedure to refund my 2% charges.

Jitendra
Mob. [protected]

MY DEBIT CARD IS LOST AND I WANT TO STOP ITS SERVICES THAN WHAT DO I DO

sir, i am A.Suresh Babu HDFC Debet Card holder.I am forgetten my HDFC Net Banking password .Please regenerated my HDFC net banking password and send my e-mail id:sbsurya @yahoo.com.
Thanking you sir
A.suresh Babu

Dear Sir,

I had cancelled my HDFC bank women's gold card number [protected] in April 2008 for which a settlement was done. All the installments were duly paid in September 2008. I did not receive any letter from the bank in this regard. Meanwhile, I moved from Delhi to Bangalore after my marriage.

Now, due to a home loan requirement, I have requested the bank to provide me a letter or an email confirmation stating that the settlement has been done on September 2008. They have just been making me run around in circles. I have visited every office of HDFC Bank in Bangalore, called up at all divisions in Delhi, requesting them to just provide me one liner confirmation. They all are telling me to go from one department to another.

I was told to write an email to customerservices.[protected]@hdfcbank.com. There also, i receive a response stating that they need more time to respond. When I called the Debt maangement froup in delhi at[protected], they refused to provide me any numbers. I don't understand that when they can see it in their records and confirm to me on the phone that the settlement has been done. Why can't they just give me a confirmation in an email.

My home loan is pending because of this for almost a month now. Can someone help me?
Regards,

Smita