HDFC Bank Complaints & Reviews

Sir,
I Mahesh G. took a Hero honda splendor loan from your ICICI bank near mayhall bus stop branch my loan no is LTBNG[protected], i paid emi since August 2007, I cleared the emi installments in the last month April 2009. I enquired about the noc certificate from the mayhall busstop ICICI bank. they told to me contact custom care phone for the same matter. I did so but custom care people told that on 15th of this month you have already received in your address.

But still now i didnot get any postall letters or NOC from your ICICI bank, so i am requesting you to equire the matter and make arrangement for issuing of NOC. Otherwise i have to choose alternative way.

Dear Mr. Datta & all concern,

Re: Credit Card No. [protected]


As per our meeting at your office on 25th May 2009 hereby I am sending this letter via email to lodge official complaint for MR. Dharamraj for Harassment & threat I had received from him.

The whole episode started for about 6 months back when your collection department started calling me for my overdue credit card amount. Firstly Ms. Kirti (. Manager) started calling me & I was answering as well as paying my dues when & whatever is available with me. I also explained Ms Kirti about my financial problems.

Sometime I was not able to make payments as I could not arrange money. Then I started getting calls from Mr. Dharamraj. He used to talk to my family members very rudely even though I was not in India & my family member has nothing to do with my Credit card dues. On one occasion he send his Executive at my home in my absence & then when he called he started abusing my family members.

When I come to know about the same from my wife I called him from South Africa & he started abusing me as well. When I complaint the same to Ms. Kirti I stopped getting the calls. After about 2 months again he started calling from Mr. Dharamraj under his senior officer Mr. Jayesh (. Manager) and same story started again. So I called to Mr. Jayesh but I think there was no action taken by his senior this time.


During this time I made once or twice payments as well despite my bad financial position due to the threat from him of harassing and abusing my family. During all this time I do receive calls to my South Africa’s Mobile no.: +[protected]. He kept calling there & abused me there in all his calls. I fear that this all happens in the presence of MR. Jayesh as I heard him in the background. But no one is stopping him. When I made complaint to Mr. Jayesh, instead of stopping him he was asking me to pay the money that’s all.


I came back from South Africa on 16th May 2009. And again on 18th May 2009 I got call from HDFC bank from Tel no[protected] from Mr. Dharamraj. This time he started his phone conversation using abusing words called “a Bhikari Paise kab dega”. This phone call was keep going until Thursday & I tried to avoid his calls as he was enjoying these abusing calls to me and my Family. Until this I was not taking his calls & abusive language seriously but when he called me on Friday 22nd May 2009 at about 8.00 Pm & started the same way & then started threatening me that if I don’t pay him he will take my family members from my house & auction them. Then I got worried and annoyed by his such language. So I called HDFC Credit card call centre & lodge a complaint (ref no. [protected]) over the phone with Mr. Anil. After lodging a complaint with him I received call from your end by Ms. Roshni (Tel No.[protected] promising me to take action against Mr. Dharamraj & concern person. She also apologized on his behalf and told me that your bank will send me an apology letter. Then I also lodge one complaint (ref no.[protected] with Ms. Viji) at your grievance cell office in Chennai.

I am writing you this email so that you can take appropriate action against this person. I hope you take this complaint seriously as this is a question of my Family’s security & your bank’s repute also at stake. I have never expected your bank can be so harsh and rude to a person who is already under financial problems. I never refuse your bank to make payment.


So on your instruction I am planning to lodge a NC with local police station, but I will wait until you take Strict action against Mr. Dharamraj or if you are not capable of doing so, I have to take some action against him what every is possible by law. His conduct and behavior with clients will not only harass us but will spoil your banks repute also.


At the same time I am also worried that if you take some strict action against him, something might happen to my family in my absence. Mr. Dharamraj has all my personal details of me, whereas I have never seen him. If any such action creates any reaction and if any unexpected incident happens to my family, I will hold HDFC Bank responsible for the same.


I don’t want this episode to go from bad to worst so that I will urge you to take immediate action. In our meeting you keep assuring me of the same, but with my previous experience with other manager level staff from your bank (Mr. Jayesh & Ms. Kirti) I have no more faith in your words. I need strong action as this is not an acceptable behavior of your staff as far as my knowledge.


I further accept and assure that all my outstanding dues will be cleared as and when time permits me. I am not delaying it purposely but forcefully. But at the same time I urge your bank to please understand my problem and try to resolve my problem by giving me breathing time and if possible some relief on my dues. If your bank does the same, would be of great help to me and my family.


Also request you to make sure that any of your action against Mr. Dharamraj does not harm me in any ways, as this quality of staff are not trustworthy and loyal to anyone & they may harm any employers repute for their personal gain and frustration.


Also please advise me, should I really lodge a written complaint with local police station against your staff and your bank for my family’s safety. I am waiting for your advise on this & will accept your suggestion with full trust.


I hope above clarification and complain suffice your bank to take precautionary action to prevent my family and also at the same time take action against your staff, to prevent your repute.



Regards,

Ketan Shah

To,
The Manager,
HR Department,
HBL Global Pvt Ltd,
Kamla Mills Compound
Senapati Bapat Marg,
Lower Parel
Mumbai – 400013.

Respected Sir,

Subject: Non-Receipt of PF Employee Code HBL/MH/45327/74732 ( Maharashtra Branch)

I am Sarika srivastava ex-employee of Hbl Global Pvt Ltd, , and my employee code is S18586 [Rajouri Garden Delhi ]. I left my job in last Oct- 2007 and after that i submitted PF form. i requested to you please inquire in to the matter as i am not received my PF till today in my HDFC Bank Account.

My personal details are as follows:

Name: Sarika srivastava
Employee code : Code S18586 ( Rajouri Garden New Delhi)
Address for correspondence
KG-2 Flat No 378
Vikaspuri
New Delhi -110018.
Email address : [protected]@rediff.com
Mobile no : +91-[protected]
Savings Bank Account No :[protected]

Bank name : HDFC Bank
Rajouri Garden Branch.
New Delhi

I HAVE TAKENA CAR LOAN FROM HDFC BANK IN DEC. 2004 ALL THE EMI PAID BY ME REGUARLARY BUT LAST 8- 10 CHECQUE THE BANK SAYS THAT YOUR CHECQUE HAS BOUNCE THE I HAVE PAID THE EMI TO THEIR REPRESANTATIVE . I HAVE ENQUIRE FROM MY BANK THE REASON OF BOUNCINY THEY SAYS NO CHECQUE IS PRESENTED IN YOUR BANK THE WHEN IN ASK THIS REASON WITH THE REPRESANTATIVE OF BANK / THEIR COLLECTING AGENCIE ( SIGMA AUTHORISE, MEERUT ) THEY ALWAYS SAID THEY WILL GET ME THE DEATIL REGARDING THIS, AT THE END OF MY EMI TENURETHEY SAID IF YOU PAY LAST 2 EMI IN ADVANCE THE BANK WILL WAY ALL OF BOUNCING CHARGES IF ANY AND THEY WILL GIVE ME ALL MY PREVIOUS BONCE CHECQUE AS WELL AS NOC WITHIN 10 TO 15 DAYS . NOW THEY ARE DEMANDIN RS 4000.00 FOR ISSUING NOC . THESE AGENCY PERSONS DAILY CALL ME AND MISS BIHAVE ON MY PHONE .
IT IS REQUESTED TO KINDLY TAKE THIS MATER SERIOUSLY SO THAT MY NOC WILL BE ISSUED.

Dear Hdfc Team,
I have a HDFC personal Loan a/c no 12568688 which i have paid in time but some may have delayed. But your collection agent from Gillander House(Kolkata)which is your collection back office has been prejudice and arrogant with me.The Number from which they called is[protected] and they have been disturbing from past 7 days.They have said that to me and my wife some humilaiting words which cannot be digested at all.They have hurt my ego and sentiments because they are son' and daughter's without there father.They have treated me like a slumdog and said that i am incompetent to pay your debts which i am regularly paying.But i will take an severe action against them to prevent FAIR DEBT COLLECTION ACT.Please Suggest where should i go to resolve my issue.Go to a political Influence, Consumer Forum, Banking Ombudsman or Media.If i go to anywhere, i don't need to pay a single peny to your bank which i am reluctant to do.But your collection
agent has been blindfolded in achieveing there targets and hurting human sentiments.The audacity has been provided by the Bank which is indecent and bleeding .Please be proactive rather than reactive.

Regards,
Sujoy Sinha.
Mobile no-[protected](Call from 4 pm to 7 pm)otherwise i am busy

I am having two loan accounts with HDFC Bank Ltd. Meerut. I have a good track record of paying my EMIs in time. The loan Account Numbers are :1586312 & 2941002 having an EMI of Rs.5270 and 3615 respectively.

Last month April 2009 I deposited a cheque of Rs.15000/- in the bank keeping in view my EMI loan payments. The bank took 7 days to clear a local cheque of ICICI bank Meerut. The bank is giving us the reason that due to elections holidays it took them seven days to clear the cheque and by that time on 7th April my EMI was due for which they applied charges of Rs.450 each on both loans EMI.

My stand is clear that due to bank negligence or unforeseen holidays like elections, I must not suffer as my intentions were to pay my EMI in time which could not be met either due to bank negligence of taking more time in clearing my cheque OR due to reasons beyond my control like elections holidays on 6th, 7th and 8th April in Meerut.

In one of similar situations sometime back this bank reversed my EMI cahrges just beacuse of their own negligence of not clearing cheque in time and putting double entries in my account that created confusion and later they had to reverse the charges. This time they are refusing clearly not to reverse the charges even when they are at a fault.

I need justice over such rash and uncaring one sided decisions. I need your direction in filing a case on HDFC bank. I also want to stop my further EMIs till the bank reverses charges.

Regards
Love Jain

An executive from the collection department of HDFC BANK - CREDIT CARDS devision is calling me on my mobile phone and landline since morning. She has called me today for more than 25 times. She uses harsh and rough language. She is not ready to listen to me and goes on talking in loude voice.
This feels very abusing.

There more compliants for other executives of Collection department. But since I have forwarded their compliants to HDFC Chennai office and they said, they are taking some action on those issues.


Please guide me, what should I do?

Thank You,
Brijesh Devanii
M - [protected]

Hi,

This is Mohammed Azharuddin, I got my salary into my savings account and hdfc credit card department helded my account balance which i was due for Rs 4176/- they withhold my salary of Rs.18800/- and no proper response from their end, all my hard earned money for the month has been snatched by HDFC, If they dont provide my money back within 24 hours, HDFC bank is responsible for my death, i am submitting a copy of the sucide note to customer court and a copy to supreme court and one to my nearby police station, because i am left with no money and i dont even have the amount to get milk fir my baby. THIS IS ON A VERY SERIOUS NOTE THAT I WILL COMMIT SUCIDE IF MY AMOUNT IS NOT RETURENED BY THE BANK. i am survived by my wife and a daughter and my old parents.

Thank You.
[protected]

I had taken a home loan from HDFC Limited more than 2 years ago. As part of the contract I was required to pay 2% should I wish to pre-pay my loan. When SBI came up with a new scheme of 8% fixed interest for one year, I decided to swap my loan to SBI. I took a final loan account statement from HDFC to pre-pay the loan. The statement showed 2% pre-payment charge.

However, when it came to actual disbursement HDFC increased the pre-payment fees to 3%. Even thought the statement I had says 2% charges, I was made to pay 3% charges. I am now going to take whatever actions I can against 3% because I believe this is clearly a restrictive act on behalf of HDFC to stop customer to going to abother competitive bank.

I would urge evebody to reconsider your decision to take loans from HDFC Limited because they can increase charges as and when they need.

Dinesh Jangid
[protected]

On registering 5 billers through the Billdesk portal of the bank website, details of three registrations out of five were wrongly reflected by the bank. Even though the confirmation screen showed correct data, the hard copy that I received showed the discrepancies.
The bank even allowed a transaction with one of the wrongly reflected accounts and the amount was debited from my account.
On complaining to the bank, the process was even lengthier. I had to de-register from the service (only possible by personally visiting the bank branch) and come back and register on-line, but then again I have the fear that again my registration details would be wrongly reflected.
Till date I have found that the service of the bank is good. But, if the bank provides services through third-parties, I believe it is the duty of the Bank to ensure that the service is good & maintained. Even minor deficiencies in such third-parties could devalue the image of the bank as here we are dealing with on-line transactions, and everyone has extra fears with on-line frauds being so rampant in the past (and even existing today)
Best Regards,
Jude Soares ([protected]@gmail.com)

Hi Pehredar,

This is in reference to my HDFC Card Number : [protected].
There was few fraudulent charges on Credit Card on 03/05/2009 by the Merchant name of AUTO CARE-PETROL FARIDABAD Rs 1107 & Rs 1025. I was out of town in that week with my family. Once I get to know the charges on my credit card I called Customer Care for the same & request them to close my card.

I spoke to customer services manager Kavita & she said the charges will be investigated n will be taken off from my account if found incorrect & told me not to make further payment on this bec this process will take maximum 45 days.

Days were keep on passing but there was no clue for my complain lodge to them.

One day an executive visited my place & asked me to filled a form.

I did that & gave him the copy of my credit card with the written letter too.

But after few days I called CC but they said they didn't received any of my information.

So I again faxed them the proof.

It was more then 6 months & nothing happen till that day.

I was keep on getting collection call from the recovery department & bad people was frequently visiting my home for the amount.

After few months I got the statement from the bank showing that the charges has been reversed to me but they were not ready to take off the Late fee & Finance Fee.

I wanted to pay off the balance which I used without LC & FC but they were not ready to cooperate with me.

Then what most shocking happened was that after few months whose charges which was reversed was again charged in my statement.

Now I am getting regular call on this & they are ready to settle my account for Rs 2000.

But I want you to please help me in this because if I will go for the settlement then my credit history (CIBIL) will be effected.

If you could help me out in resolving this issue via getting my LC & FC removed from my account so that I can pay Rs 2619.24 for my usage then it will be a great help for me.

Regards,
Aashish Verma
[protected]
[protected]@yahoo.com

----- Forwarded Message ----
From: Aashish Verma <[protected]@yahoo.com>
To: [protected]@hdfcbank.com
Cc: HDFC Bank <customerservices.[protected]@hdfcbank.com>
Sent: Sunday, 28 September, 2008 4:00:30 PM
Subject: Re: 'HBL=[protected]' Fw: [protected]


Hi Mr Giridhar,

I got a letter from your department about my outstanding of Rs 4644.69 on my credit card ([protected]). Though i got a credit for the fraudulent charges on my account but as it was instructed to me by the Customer Service Manager for not to pay ANYTHING on my card till the time investigation is going on. I did the same. Now as the card is permanently suspended so i want to clear my outstanding balance done by me for Rs 2619.24.

So in that regards please review my account my process the waiver of all the Late Charges & Finance Charges levied on the account & send me a new stmnt so that i can pay.

OR ELSE U WONT GET A SINGLE PENNY !!!


Regards,
Aashish Verma


----- Original Message ----
From: Aashish Verma <[protected]@yahoo.com>
To: HDFC Bank Credit Cards Support <customerservices.[protected]@hdfcbank.com>
Sent: Wednesday, 27 August, 2008 12:46:08 PM
Subject: Re: 'HBL=[protected]' Fw: [protected]


Hi,

I spoke with Risk department & they r saying to lodge a complain again so that the case can be refereed to risk dep again.

Plz do the needful

Attention : Kavita (CS Manager)

Regards,
Aashish Verma




----- Original Message ----
From: HDFC Bank Credit Cards Support <customerservices.[protected]@hdfcbank.com>
To: Aashish Verma <[protected]@yahoo.com>
Sent: Tuesday, 26 August, 2008 12:14:48 PM
Subject: RE:'HBL=[protected]' Fw: [protected]


Dear Mr. Verma,

We thank you for writing to us.

We observe that you have been greatly inconvenienced and we sincerely regret for the inconvenience caused to you.

We understand your concerns regarding the fraudulent transaction. We would like to inform you that we are looking into your query sincerely and will respond to you shortly. We request you to kindly bear with us in the interim.

Incase you seek further assistance or clarification please feel free to contact our Customer Service Executives at any of our 24 hour Call Center telephone numbers mentioned in the below URL.

http://www.hdfcbank.com/personal/cards/popup_ccnumbers.htm

Assuring you of our best service at all times.

Regards,

Rajeshwari
Customer Service Officer

[protected][protected][protected][protected][protected][protected]
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify
the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise . The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd.

----- Forwarded Message ----
From: Aashish Verma <[protected]@yahoo.com>
To: HDFC Bank <customerservices.[protected]@hdfcbank.com>
Sent: Saturday, 23 August, 2008 11:22:25 AM
Subject: Fw: [protected]


Any Updates on my credit card ?????????????????????

Regards,
Aashish

[protected]


----- Forwarded Message ----
From: Aashish Verma <[protected]@yahoo.com>
To: customerservices.[protected]@hdfcbank.com
Cc: [protected]@aajtak.com
Sent: Saturday, 19 July, 2008 7:35:26 PM
Subject: Fw: [protected]


Hi,

This is to inform you that its been more than 3 months i have still not got any revert abt my Credit Card Fraud Status & ur collection agency is calling me harassing /abusing me & my family. I would request you to let me know the status ASAP.

Collector Name # Shyam Lal Chaudhary from Connaught Palace(New Delhi)
Phn Numb #[protected],[protected],[protected]

Regards,
Aashish

[protected]


----- Forwarded Message ----
From: Aashish Verma <[protected]@yahoo.com>
To: HDFC Bank <customerservices.[protected]@hdfcbank.com>
Sent: Sunday, 22 June, 2008 7:43:14 PM
Subject: [protected]


Hi,

This is to inform you that i have already reported fraud on my credit card ([protected]). I have also faxed you the proof but now i have got the new statement in which there is Late Charges & Finance Charges.

People from your collection department are coming/calling me & harrasing me.

Plz review my account and let me know the details abt the same ASAP.

Feel free to revert on [protected] from 4 PM to 4 AM IST

Regards,
Aashish

Hello sir,

I am Hemanth Kumar Naraparaju. I applied pre-approved loan in HDFC bank at the amount of 60, 000Rs. for 2 years. My loan is rejected because of the following reason.

Reason: My name is Hemanth Kumar Naraparaju DOB as 04/07/1981. Same name with same DOB Hemanth Kumar some other person has took the loan for the purpose of Two Wheeler in CENTURION BANK. He did not pay the installments at the right time to the bank. 11 installments has due to the bank. I went to the CENTURION BANK in M.G. Road Bangalore and gave a complaint to the bank people regarding this issue. He checked each and every thing for this information. Surname(Naraparaju) is not matching with that person. And also Mailing Address is not matching with me. I dont know how it happens as exactly same as my name with same DOB. The CENTURION BANK executive call to that customer both in mobile number and also office number. No phone is working what he gave to that bank people.

For the above reason my application is rejected. Really sir I suffered a lot for this issue, and also I am roaming to the bank dialy and making the calls to the bank people. If some other person has done something, why should I suffer for that one. Is there anything reasonable in this issue? Actually I gave all the required documents to the bank people like Company I.D card, Passport, Salary Slip, etc. My colleagues got approved within 2 days. What happened to me sir? Same company with same documents each and everything is correct but my loan till not approved. I already sent one mail to the bank people regarding this issue and now i am sending second time. My colleague gave the number he got approved. Therefore, I am also applied for the pre approved loan which is already eligible in my account. Already 10 days past for applying the loan.

Pls help me a lot for this issue sir,

Yours sincerely,

Hemanth Kumar.N



Application Ref.No.14910579

HDFC BANK A/C No.(M.G.Road Bangalore ) :[protected]

Loan Agreement Number (CENTURION BANK): 90053097

My Mobile Number:[protected]

Customer I.D:22146469

I have an HDFC Womens Gold Card No [protected] and I had used the same for purchase of my family air tickects for the holidays. The purchase was doen on assurance of the customer care officer that I shall get a cash back of 5% of the amount upto a max of Rs. 1000 per month provided the bill for the month was more than 35000. This being a good assured offer I opted for the same. However, when the stament for the next month came theire was no cash back offered.
I have been repeatedly trying and have lodged a complain with them, howevr they are just avoiding my compalint and giving me lame excuses.
As they have cheated me I would like to register this complaint against them in this forum. I would have got better deals buying tickets on www.makemytrip.com or other similar sites. Just by the words of their customer care officer and after confirming with him more than twice, I took this step.
Now they tell me that the terms and conditions are not valid for this card.
By doing so thay have only shown how their team is cheating its customers.
Please take neccessary action against such fraud credit card issuing banks and get me by due cash back with compensation for the mental agony they have given to me and my Husband

Isha sharma.

me maria george want to make a complaint against Hdfc Bank ltd.the Employees in this bank are harrased and the life becomes hell after joining this bank.
employees are not allowed to take leave even if they have sufficient balance also they have been told by the Branch Managers" leave is not your right" i think HDFC bank Hr has forgotton that there exist Labour office.
Employees has to work till late hours from 9 to...

i AM FORWARDING A COPY OF THE REPRESENTATION TO THE MANAGER OF THE HDFC BANK DT. 16TH MARCH TO WHICH THEY HAVE NOT REPLIED SO FAR.


The Manager,
HDFC Bank
Shimla.

Sub: Misrepresentations and Malpractices of your bank on opening of Current Account.

Dear Sir,

This is in continuation of the various personal representations to your staff and yourself on umpteen occasions regarding the “AMB CHARG ”of Rs. 1000 being debited to our account every month along with Service taxes of Rs. 120.00

At the insistence of your marketing staff a Current A/c No. [protected] was opened in my firms name M/s Aditi Enterprises. At the time of opening the account Ms. Ekta Sood representing the HDFC Bank explicitly stated that I am required to deposit Rs. 75000/- and maintain this balance for 30 days after which this account would be a zero balance account and the sum of Rs. 75000/- could be withdrawn thereafter, No charges will be charged and there would be no need to maintain a minimum balance.

However, contrary to this, since the month of September 08 every month a sum of Rs. 1000 along with service charges is being debited to our account. I have constantly represented against this but each time have been assured that this is a mistake by the bank and will be rectified at the earliest.

Unfortunately six months have passed and no action has been taken till date, in spite of repeated assurances from all the bank officers. There seems to be a general attitude of misrepresentation without putting words to action.

You are therefore urged to immediately credit to our account a sum of Rs. 5600/- which has been illegally debited from our account and also ensure that these charges are not debited in the future, failing which we will have no recourse but to initiate proceedings and seek redressal in the appropriate legal forum.

Manager

HDFC BANK



SUB : Regarding CIBIL Status of My Credit Card.



Dear Sir/Madam

This is for your kind information that I am using HDFC bank credit card from last 2 years.
Till the date from my side there is no due is pending of card my card no is [protected].(Platinum Plus Card).
Now I have applied personal loan in Fullerton bank and then they have told me that HDFC BANK has given my name in CIBIL because there sum dues is pending of credit card on the date of 03/06/2007.
I have done so many calls to customer care services but I have not get any positive response now you tell me if I have done all payments on time why you had put my name on CIBIL.
And if you had not put my name in CIBIL than kindly send me the CIBIL status from your side on my mail.
Other wise I have to take help from consumer court and I have already discussed with my lawyer. He suggested me first write a mail to you.
Kindly provide me the detail of jun and july 2007 statement of my card so that I will clear my name from CIBIL.
Other wise I will to take a help from Court.
Kindly take is very serious.

Thanks and regards

Arun Kumar Soni

[protected]
Sri Ganganagar

Dear All,




I have left the ADFC PVT ltd (working for HDFC Bank Ltd) in year 2008 and there after I Want to submitt PF withdrawal form request but I have not get the PF Account no and the releavent address.

I was working in hdfc banks customer care branch at Deer Park (New delhi) reporting to Mr. Kapit Gupta.



Pls provide my PF account no and the comlete address where to apply.




Name Ajay kumar verma
Emp code. 28119
Location. Deer Park, (503) new delhi.
Date of joinin. 01/07/08





Regards
Ajay kumar verma
[protected]

I had purchased 100 shares of HDFC Bank from one Mr SHIV KUMAR JINDAL, Folio No 66712213 in 1987. I could not get them transferred in my name at that time. Now when I approached the company I have been informed that these shares have been transferred to a demat account. I have also come to know that Mr Jindal expired about 6 years ago. Kindly advise me how to proceed in this matter.

Dear Sir, T

This is to surprised that courier not received but i have checked the status on the net you have delivered by 15 may 2009,

kindly note the reference no. HBN[protected], AIR WAY BILL NO. [protected]
REPLY AS FAST AS POSSIBLE OTHER WISE WE WILL PUT YOU SOME LEGAL INSTRUMENT AGAINST YOU COMPANY

NEERAJ CHAUHAN
HO.NO. 357, NITI KHAND-1, F-3,
INDERAPURAM GHAZIABAD-201001

CELL NO: [protected]

Dear Sirs,

I am having a salary saving account in HDFC Bank under account no. [protected] in A-12, Shopping Mall, DLF Qutub enclave, Phase 1, Gurgaon, Haryana -122002 Branch. There was a fund transfer of an amount of Rs.14750 & Rs.51348/- from my office as on 30th April 2009 to my salary account. I withdrew Rs.10000/- as on 03rd of may 2009 & used 2690 through my debit card. Further When I checked my account on 5th of may 2009, I was shocked to see the available balance as Rs.685.43. I immediately contacted customer care & was told that amount had been put on hold by credit card department & I needed to contact credit card department.

I, then visited to my home branch & asked for a meeting with Branch Manager at helpdesk. In reply they asked to meet Mr. Rangi upstairs. I met Mr. Rangi & he was unable to solve my problem. When I asked him for the relevant documents where I had authorize the bank to deduct my money without my concern, he gave me a piece of paper(copy is attached herewith) mentioning name of some Mr. Gaurav Sharma of credit card division from Rajouri Garden whom I could not meet till date after my numerous efforts.

I had to visit many times to Rajouri Garden office after having known the fact that credit card office is located there. But, to my surprise, no one is there to listen to customers. The guards over there treat the customers as they are notorious criminals. After wasting my whole day, handling with guards & going up & down as lift machines were not working, I again came back without any result. During my second visit I became somewhat aware about the structure of the bank divisions, which are spread over a length of eight floors over there. At sixth floor there is customer care services but customer does not have right to meet the bank representative, however he/she can call upon phone & representative will keep on repeating the mugged up lines without listening or understanding the customers concern & grievance.

After my rigorous efforts I was connected to Mr. Janit, Manager in customer care division. First he also repeated the same wordings but when he came to know that customer is educated & have some knowledge, he listened & asked to meet Some Mr. Puneet oberoi at fifth floor. Again it took me 1 hour to approach Mr. Puneet oberoi, who in turn treated very rough & simply asked who gave his number & name. He asked me to call Janit in front of him. He said he was senior manager & how dare someone could be to give his reference to any customer. His wordings were very rude & was shouting like anything saying “I am not sitting for you”. He suggested to write mails or call customer care, problem would be solved from there only. I am mentioning these whole things just to highlight the way of treatment to customers by bank officials & it was happening with each & every customer but people avoid to complaint keeping in mind that in India every thing has to bear.

In fact they are cheating the customers with concealing hidden conditions and not redressing the grievances of the complainant who made complaints with regard to poor customer service on number of occasions, and indulging in to Unfair Trade Practice. They are claiming the hard earned money of medium group by so many fraud commitments.

In My case, I had requested many times to credit card team on telephone(as there is no other way to reach them) to close out my card completely. Every time there reply was that Sir, you make the minimum payment & we have taken the request of surrendering the card. You can drop the card at any ATM drop box after breaking it into 8 pieces. I did the same .I made them a payment of Rs.700 & dropped the card in ATM drop box along with a written request to close the account. Again there was a call for last payment, This time bank representative was asking for 1020 rs. & gave assurance about closing the card.

What I can do is only trust. If bank system is faulty then what can I do. If there is loopholes in the system & communication gap among the employees of bank . Now, by claiming hidden & concealed late fee charges, finance charges, this charges & that charges & taxes they have made an outstanding amount of Rs.53108/ & same they have taken from my saving account(Rather I would say they have stolen ).

Upper most thing is that no one at bank is ready to listen. I have got fed up during last 18 days asking for rectification of my case. I have been calling them rigorously but all are misbehaving. I requested Ms. Archana verma to have a meeting with me to clear me about my issue, whose number was given to me by one of bank representative explaining that Archana was the concerned officer for the case. But she kept on diverting me here & there & never agreed for meeting.

My complete cash flow for the month has come to a halt. I don’t have a single penny for last 20 days to spend on my basic day today necessities.

Dear Sirs,

I have been suffering for last 20 days & it’s a mental torture what they people are doing with me. I am in very much stress & unable to focus on anything in life as everything is disturbed due to their maltreatment.

They are simply giving me mental agony & harassment.

Dear Sirs,

My humble request to you all is to look into matter by giving some of your precious time & give me relief.

I shall be highly obliged to you all for this act.

Thanks & Regards,

Praveen Garg
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