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HDFC Bank Complaints & Reviews

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Updated: Jun 7, 2026
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K
karthikeyan
from Chennai, Tamil Nadu
May 27, 2009
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my name is karthikeyan chennai,

I have applied for a personal loan in the month april, they have collected all the documents and verified and residential and official presence. after that i have received sms stating that the personal loan has been approved with the reference numbere, a week back representatives called me and collected the aggrement signature and cheque leaves, after that i never got any response from them or any loan amount disbursed in my account. after couple week back again they have called and said there is problem in the signature issuue for the cheque. so again i have got a letter from the bank.

after a week again they have called me and said that unfortunately a month has gone so you need to submit your latest for the month. because i am in a big financial crisis i have given all my documents ... again i got the email stating that your loan got approved, u wil get the money in two days. but till date i havent received my loan amount.. also i am not getting any proper feedback the bank officials, Worst process from hdfcbank chennai...
Nov 8, 2018
Complaint marked as Resolved 
Verified Support
Oct 08, 2018
HDFC Bank Customer Care's response
Dear Customer,

We're sorry to hear that. Please share your Loan Application No., contact info & the issue on [protected]@hdfcbank.com. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

-Anay
HDFC Bank Customer Assistance
Hi, applied for personal loan. Recieved message stating approved and verification is also done but no update after that. It is little weird when banking staffs calls and ask for personal loan and when we are in need it doesn't work as they committed to complete the process
I Have Applied personal loan from HDFC bank. They have given confirmation that loan amount will be disbursed within 2 days. Then a week passed still did not get the amount. When asked them they were telling that within an hour amount will be credited every time (the same answer every day for the past 8 days). Still not get credited. Could you please help me to get it resolved.
HDFC Bank Personal Loan application no[protected]
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    Mahesh G.
    from Delhi, Delhi
    May 27, 2009
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    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.
    Aug 14, 2020
    Complaint marked as Resolved 
    Dear sir/Madam
    I am ANBUSELVAM.C, No, 12 vellalar street, Villianur, Pondicherry.

    i had taken two wheeler loan in HDFC bank, pondicherry branch

    CBL TWO WHEELER LOAN Agreement No: 91649795, I have completely paid all my EMI and also got loan closure letter ( NOC) from HDFC bank, Mumbai, on dated 25/5/09, letter ref No: 00357.

    Recently i have applied personal loan in another private bank, under veriication by the bank people, i came to know that my CIBIL is still under pending in your bank eventhough i got NOC AND LOAN closure letter on on dated 25/5/09, letter ref No: 00357. by post/Courier.

    in this connection i am not able to get my personal loan for the past one month, i am in very urgent position so i request you to give me the status of CIBIL or clear CIBIL as soon as possible. Do it needully

    Thank you

    Anbuselvam.c

    anbuselvan — Not received Email after registration

    After registration at IRCTC, I received verfication code in my mobile, but did not receive any mail from IRCTC. I request IRCTC to send fresh mail to my Email ID "[protected]@yahoo.com". My user ID is "kutti0810"
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      K
      Ketan Shah
      from Pune, Maharashtra
      May 26, 2009
      Resolved
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      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
      Aug 14, 2020
      Complaint marked as Resolved 
      This is really shameless...MOSTLY ALL THE COLLECTION AGENCIES AND EXECUTIVE ARE SPOILING BANK'S IMAGE..but isme sirf collection agency ki galti nahi hai...dekhnevali baat to ye hai ki bank kya soch kar inko collection ka kaam deti hai...ya i m sure ki unko bhi pata hota hai ki ye log is tarah se collection karte hai...but bank ko to sirf paisa mil raha hai usi se matlab hota hai..wo koi strict action kabhi nahi lenge...wo bas tumhari mafi mangege aur kuchh nahi..jo karna hai tumhe hi karna hai mere dost...
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        S
        Shiv Kumar
        from Ludhiana, Punjab
        May 26, 2009
        Resolved
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        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
        Aug 14, 2020
        Complaint marked as Resolved 
        I am mrs NISHA D. Maganur of Hbl Global Pvt Ltd, , and my employee code is N06259 [HDFC Bank Bagalkot]. I left my job in last February-05, 2008 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 .

        My personal details are as follows:

        Name: Nisha Maganur
        Employee code : Code N06259 ( HDFC Bank Bagalkot)
        Address for correspondence
        C/O MR.C.R.Maganur
        "PARISHRAM" 78/6/2/1,
        5TH CROSS ADARSHA NAGAR,
        HINDWADI, BELGAUM-590011
        Bank name : HDFC Bank
        Bagalkot
        I am mrs NISHA D. Maganur ex employee of Hbl Global Pvt Ltd, , and my employee code is N06259 [HDFC Bank Bagalkot]. I left my job in last February-05, 2008 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 .

        My personal details are as follows:

        Name: Nisha Maganur
        Employee code : Code N06259 ( HDFC Bank Bagalkot)
        Address for correspondence
        C/O MR.C.R.Maganur
        "PARISHRAM" 78/6/2/1,
        5TH CROSS ADARSHA NAGAR,
        HINDWADI, BELGAUM-590011
        Bank name : HDFC Bank
        Bagalkot

        HBL Global PVT LTD. — Regarding Salary.

        I had worked with HBL Global Pvt Ltd for period 14 may 2012 to 9 June 2012. but my salary not received me till today.
        pls provide my salary of following period.My working location was Rajouri Garden Ansal Tower.
        my code was N10420.
        kindly consider it.
        thanks
        Nitin Kumar Bhatiya
        91+[protected].
        hi sir my name is sandeep and h.b.l. company call me again to again but i dont have requrment any health polcy.so plz dont call me otherwise i m complain consumer court and your employ name is... jyoti...helth insurance plz.help.me...delhi...vikashpuri...
        [protected] this is contect no.plz help.sandeep
        Dear sir
        I am Hirendra kumar ex employee of HBL global pvt ltd. From march 2014 to November 2015. I left my job nov 2015 but i dont get my pf Yet although i submitted pf. Form twice. And no reply by the company such behavior is look like mean and lean.
        Please do something if have right to solve the problem of employees.
        Mu details are...
        Name -Hirendra kumar
        Emp code-H05383
        Product-credit card
        Location- Delhi NCR
        SM - Avinash shankar bharti
        Emp code - A16697
        Location - Delhi NCR

        If there is any formality remains by be thn tell me. Plz request to you solve my problem as soon as possible i need mony.
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          N
          nitin1936
          from New Delhi, Delhi
          May 26, 2009
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          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.
          Aug 13, 2020
          Complaint marked as Resolved 

          HDFC Bank — Repayment of car loan

          Dear Sir,



          I had a car loan LAN 12473380 from Nov 2007 of Maruti 800 ac, From begging I was repaying installments but six month letter I got three major crisis in personal life which had effected my financial position.



          1 - An major Accident – In that I lost my father & one other member

          2- My wife had file legal case

          3 – I lost my Job and mental balance




          Now I have settled all things and started new beginning with new job in Escorts Assets Management Ltd. And want to start repayment of my loan due amount; will closes the loan in maturity period so pls. give me one chance.






          In July 2010 bank has also debited my salary account for amt 5490/- On Aug. 28, 2010 bank representative has taken car from me, when I was in on the way. Between Delhi to Haridwar, and I am trying to contact bank person but until not getting respons from any one. Have also visited your Rajauri garden & ITO branch.





          Pls. take this request as propriety basis an solve my problem, and looking forward you grate cooperation from your end









          Thanks





          Deepak Kumar



          [protected]
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            S
            sujoy sinha
            from Pune, Maharashtra
            May 26, 2009
            Resolved
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            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
            Aug 14, 2020
            Complaint marked as Resolved 
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              L
              Love Jain
              from Ludhiana, Punjab
              May 26, 2009
              Resolved
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              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
              Aug 14, 2020
              Complaint marked as Resolved 

              HDFC Bank — LOAN CHARGES

              Respected sir,

              i have loan for two wheeler
              i have deposite my monthaly premium 1612
              at 5.1.11 date
              but hdfc bank employ says me to you have to pay other 450 rs changes because your payment is 1 day late also in my shedule of payment by hdfc bank, in 5th date every month pls guide me for my problem
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                B
                Brijesh Devani
                from Mumbai, Maharashtra
                May 26, 2009
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                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]
                Aug 14, 2020
                Complaint marked as Resolved 
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                  M
                  mpbsan
                  from Hyderabad, Telangana
                  May 26, 2009
                  Resolved
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                  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]
                  Aug 13, 2020
                  Complaint marked as Resolved 
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                    D
                    dineshrj
                    from Pune, Maharashtra
                    May 25, 2009
                    Resolved
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                    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]
                    Aug 13, 2020
                    Complaint marked as Resolved 
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                      J
                      Jude Soares
                      from Mumbai, Maharashtra
                      May 25, 2009
                      Resolved
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                      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)
                      Aug 14, 2020
                      Complaint marked as Resolved 
                      hi,
                      today i paid my postpaid bill but transaction was for two times first time it reflected with the error message but amount was deducted from my account. hdfc need to repay 1000 Rs/- back my cust id:38042132.

                      [protected]@gmail.com


                      03 Oct 2011 POS [protected] VODAFONE-BILLDES[protected] Oct 2011 1000.00 18215.04
                      03 Oct 2011 POS [protected] VODAFONE-BILLDES[protected] Oct 2011 1000.00 19215.04
                      i need some feedback from HDFC
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                        A
                        aashish0963
                        from Noida, Uttar Pradesh
                        May 25, 2009
                        Resolved
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                        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
                        Aug 13, 2020
                        Complaint marked as Resolved 

                        HDFC BANK LIMITED — Non receipt of statement and still charging late fees and finance charges

                        Dear sir,

                        Ref: Credit Card No. [protected]
                        I had been using HDFC bank credit card since last 3 years. As per record and statement send to bank problem started from June 2008. I never received the statement for June 2008 and August 2008. I have paid all my dues regarding purchases done by me and i had called their toll free no several times regarding non receipt of statement right at the start of the issue. The response received by me was not at all good from their toll free no and they were also reluctant to give me the reference no for the conversation. It started with mere Rs. 560/- as the interest amount and it has reached to Rs.8734/- as per last statement. I have also given the copy of the statement to the person who came to collect the amount from me.
                        I have even cancelled the credit card sent to their chennai office
                        Would highly appreciate if you can solve this issue as i am really tired of calling and mailing HDFC Bank.
                        Thanks,

                        Pravin Patil
                        Hi,
                        I am Ruthirakumaran, Working in USA.Last two weeks before i lost my credit card.And today i called customer care and blocked it.Customer care says last day some transaction made my card about RS.3000 ...something..Please consider my complaint and take action.Can i know the information about the amount Rs.3000...who wil pay this amount.

                        Thanks,
                        Ruthira
                        I have applied for HDFC credit card a month before, all the process of verification has been done sucessfully.I got the Reference No. message on my Mobile too.
                        After 15-20 days when I enquired with the reference Number to Customer Care, they told me that the your request is Declined.
                        I asked the reason, they didn't told anything.
                        I asked them to return my signed documents they are not returning them also.

                        Reference Number:[protected]w2

                        So either you provide the reason and Issue the card or else please return my documents.

                        This same case happens with nearly 10-15 of my colleagues.
                        Dear sir,

                        I am using your card, but not satisfied with your services, you people are continously charging late fee from last 4 months and customer care not ready to give any weaiver this fake charges, i am continuously paying bill on due date, but customer care is saying this is not done, Please do needful, otherwise i will have to close this card. Please find some attachment of bill payment on due date

                        Regards

                        Anukul Kumar
                        M- [protected]/[protected]
                        Card Number - [protected]
                        Dear Sir,
                        I have a credit card of HDFC Bank . Card No is-[protected] .
                        Sir i am facing some financial problems so i want EMI payment facilities in my card for my outstanding amount.
                        so kindly provide me this .i will thankful for that.

                        Regards
                        Amit Vikram
                        [protected]
                        amit.[protected]@gmail.com
                        Hi,
                        My Credit card no is [protected], I have spend Rs aprox 5000/ on this card due to some reason i could not pay the due amount in time,
                        But after that I have paid RS 10000/ against the spend of RS 5000/, the last payment I have made on 25/01/2014 of RS 5000/ by cash, the executive told me that this is the full and final payment but still i have received the bill of RS 2819 dated 4/02/2014. I also would like to mention that after due date were over for the first payment, my card were block even though i have paid rs 10000/. I have lost my faith on HDFC bank,
                        In near future i will never keep any relation with HDFC Bank.
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                          H
                          Hemanth Kumar.N
                          from Bengaluru, Karnataka
                          May 25, 2009
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                          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
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                            I
                            ISHA SHARMA
                            from Mumbai, Maharashtra
                            May 24, 2009
                            Report
                            Copy

                            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.
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                              M
                              maria george
                              from Dagshai, Himachal Pradesh
                              May 23, 2009
                              Resolved
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                              Resolved

                              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 10-11-12 which is against the employement rule and they even don't get any overtime allowance for that.
                              i would like to get this into notice of the MD of the bank Mr.Aaditya Puri.
                              HDFC bank has forgotton that it has established the topmost position only because of their employees and they r least bothered...
                              HDFC bank has started the new policy now a days they ask their employees to close the "batch" exactly on 7.00 but they ask employees to work late after that.the idea behind closing batch is employees should leave branch by 7.00 but there is not a single day when employees can go home on 7.00.
                              specially in Silvassa branch this harrasment has reached at the highest point employees are fed up and searching for the new job or just quitting.
                              honarable Mr.Aditya Puri please take a look at this situation otherwise it will be very dangerous for the coming future.
                              Dec 9, 2017
                              Complaint marked as Resolved 
                              Verified Support
                              Nov 08, 2017
                              HDFC Bank Customer Care's response
                              Dear Customer,

                              Please share your employee code, supervisor's name, office location & contact on exit.[protected]@HDFCBank.com. We'll get back!

                              -Manoj
                              HDFC Bank Customer Assistance
                              Verified Support
                              Feb 18, 2020
                              HDFC Bank Customer Care's response
                              Dear Customer,

                              We are working on your concern vide Ref ID:[protected] and will revert to you within 5 working days.

                              -Nadia
                              HDFC Bank Customer Assistance

                              value plus — WRONGLY CHARGES OF LATE PAYMENT

                              I have already pay the amount to you on dt.23/01/08 last date pay due payment but received your latest bill few day ago late payment charges Rs.350 + service tax what is meaning of due date please get reply urgently

                              HDFC Bank Ltd. — Branch Isolated BSNL LL is not working

                              Dear BSNL team Am trying to connect with Mr. Porwal (BSNL Person) He is not picking up his mobile phone.Hdfc Bank Vidhya Dhar nagar branch is isolated from the morning due tho this wer are lossing the business and we are suffering due to LL connectivity is not availble from the mornign.Kindly let's know what is the mean of LLand which type of service is provided by BSNL.

                              About HDFC Bank — Telling Balance Incorrect

                              We had Serious Problem Happend..

                              We had First Asked them to See our Balance But they had told it is ok We had Given to Create a DD to HDFC Bank then they had told that there is no balance..

                              Please Attend tis mail as soon as possible...

                              Tomorrow (10/07/08) my daughter Admission last date and I had to take Rupees to 5% interest on time. How Can ordinary Person will Manage this type of Problem...

                              Sapna Provision — money (change) returned is less

                              Sapna provision in Teachers colony Koramangla, Bangalore, cheats while returning change and the Keeps the free items for himself and cheats o pricing of local items for sale.
                              i have not received statement till yet

                              Registered Packet — Not Delivered

                              Document No: ER[protected]IN,
                              Posted Date: 18/06/2008.

                              Until not delivered to my address neither return to company.

                              HDFC Bank — hdfc back office people

                              respected sir... i rajiv r maydeo holding an account in hdfc bankpune and am paying my car loan emis through this account. due to some personal problems my installments are getting delayed but.. i do make it a point to repay it every now and then. but... for last 2/3 months my wife is getting harrased by aperson named mr. Rohit sharma who claims to b working with your bank... and he keeps calling my wife and harrase her for the delayed payments inspite of her telling him that she knows the rules and regulations of the bank but this man claims to have given her the car on his credit so tells her to leave the car with the bank! she has talked with mr. brijesh nayar about this and he said he will look into the matter himself but inspite of that she is getting harrased not only by him but by other member named raj gaekwad from shankarsheth branch!

                              please tell me how to go about with this harrasment! my account number is...[protected] and the loan account number is..1154868

                              HDFC Bank Ltd. — Salary is debited !

                              Hello Supporter

                              Respected, I surprised when my salary is debited from my bank account without any prior notice or any thing. Even i met to home branch Manager Vasuda Goyal at Sector 62, Noida. She did not disclose any thing.

                              Before this happen i want to share all the matter what i suffer from. I was working in VNA Software Services Pvt. Ltd. as Software Developer. I was not aware about the company before the joining. But, I was looking for career growth so they give me good package on paper. After joining they signed bond for 1 year. But, that bond is totally favorably to employer. I was not aware of that but i signed that document. because i left the old company. After that after near to my merriage they issue me CAP(Comprehension Action Plan) letter with one month notice before firing.

                              And lastly they transfer the fund. But this fund was stick within my account for 2 days. and got back into the hold amount. I asked to home branch manager (Vasuda Goyal). she told me that time please contact to company (VNA Software). When i contacted them they told me we have already issue you salary why are discussed this with us and many more comments are passed to me. But, when after 2-3 days back i went to bank then see my account is back debited to account as wrong salary transfer.

                              please Tell me what should i do for solution. The is very big. I was the pilot person in that company. If the amount was small i can leave that amount.

                              I will be wait for your response.

                              Regards

                              Sandeep

                              HDFC Bank Ltd. — Fund withheld by Bank illegally

                              Dear Sir,

                              I have a savings bank account on HDFC Bank Ltd. (Stephen House Branch, Kolkata). Also I have a credit card with the same bank. My minimum amount due for the last bill was Rs. 4, 040.00 (Due Date was 01.12.2008) against which I have made a payment of Rs. 2, 000.00 on 08.12.2008. And I will clear the rest shortly. But the bank withheld my fund lying with my account for Rs. 9, 448.96 which is I think illegal. Please help me in this regard.

                              Credit Card — HDFC Bank people don't do the work that is promised

                              I did not pay the credit card bill till my issue is got cleared from the bank.
                              One day i saw in my Savings account of HDFC that rupees 4000/- was on hold by bank. when i enquired, they told the recovery department people from HDFC are holding my funds.
                              Then i went to that recovery section and paid total of 7000 rupees.
                              Later i asked them to send me the latest credit card bill after deducting this 7000 rupees.
                              All the people present there promised me that within 2 days they will send me the statement.
                              Now already 2 months completed, i have not recieved any statement or other thing from the HDFC bank.
                              When i called up the customer care centre, they happily told that i have to contact the recovery section for statements.
                              Angrily i called recovery section department, they told me to contact customer care for statements.
                              So this shows that how the bank people do before recovery and after recovery. This shows that HDFC bank is a local bank not MNC. So because of these kinds of activiteis by bank they are loosing their job. I feel it is good on their part to treat in proper manner with the customers.
                              I have corporate account in HDFC, if it is not the case, i would have closed my account after paying 7000 rupees from the bank.

                              HDFC Value Plus Credit Card — Cheating Business by the Bank

                              Dear Sir / Madam,

                              Please refer the following link, which was the previous complaint submitted by me for the cancellation of the HDFC Bank Credit Card.

                              http://www.consumercomplaints.in/complaints/credit-card-cancellation-amp-due-pay...

                              Surprisingly, by the previous complaint, I got the call from HDFC Recovery Office in threattening manner to pay the dues. And after long discussion, he suggested an amount for the complete settlement. I paid the amount with the request letter to cancel the card and providing the Settlement Letter.

                              But, again after 4 months I received a statement of the almost same amount.

                              This time I am not going to pay a single rupee, for the same. And I will be ready for any legal action against the Bank Credit Card Business.

                              Regards,

                              Jignesh
                              +91-[protected]

                              HDFC Value Plus Credit Card — No support received from Bank

                              Sub. : Cancellation of Credit Card No. [protected] and providing the Settlement Letter.

                              Dear Sir/Madam,

                              I was holding HDFC Bank Credit Card: [protected] which was not used since February 2008. I also have requested through phone-banking & consumercomplaints.com to cancel the said Credit Card. I am doing so since May 2008 and finally, after so many discussions had with your Recovery Officer in October 2008, I was suggested to pay an amount of Rs. 3516 for the Final Settlement, without referring the case to the RBI against approx. amount of Rs. 4700. The same amount was paid in October 2008 requested to cancel the Card and provide the Settlement Letter and committed to provide in a Week.

                              After the payment, I have neither received any Settlement Letter nor any statement up to January 2009, which must be sent on monthly bases. Suddenly in January 2009, I received the statement with additional charges for the duration from October to December 2009.

                              This means that my card is not cancelled yet even after so many requests. As per call records of customer care, last time I talked with Settlement Dept. in October 2008 and that was for the Final Settlement, and amount was paid immediately.

                              If nobody from Credit Card dept. had suggested me the amount, then what should be the problem for customer to pay 1200 Rs. more to close the issue, as I am regular payer of another Credit Card.
                              Generally, the statement must be posted and acknowledged monthly as per RBI Instruction
                              Circular No.DBOD.FSD.BC.6/24.01.011/[protected]
                              dated July 1, 2008, mentioned in following link
                              .
                              Because of mistake, ignorance and lake of internal communication by related bank staff regarding the issue, I am not ready to pay the amount mentioned in statement of January 2009 because of the given reasons.

                              Once again, I requested to cancel the card No. [protected] immediately and provide me the Settlement letter based on the last Cheque of payment of settlement amount of Rs. 3516, October 2008.

                              Based on the reply of my e-mail complaint launched in January 2009, I had a talk with your office and they were to contact me with in 72 hours but again it is ignored. The last follow up discussion had with your Settlement Officer on 30/01/2009, Friday and again officer told me to call back with details, but again it is ignored.

                              Considering the ignorance of cancellation & settlement requests, you are kindly requested to provide the Settlement letter stating that the case referred to RBI is withdrawed by the Bank. You are also requested to provide clarification for the ignorance and referring the case to RBI.

                              But, as per my latest talk with HDFC – Credit Card, Debt. Management Officer, they suggest no solution other then the payment. I am also not able to understand,

                              (1) How much late payment charges they have added ? As since last 3 months, bank has not sent any Credit Card Statement.
                              (2) Service Charge claimed for what ? Neither they sent me the statement since Oct 2008, nor any transaction is been made since almost 1 year.

                              Seeking for your favorable reply.

                              Yours faithfully,

                              Jigneshkumar M. Patel
                              +[protected]
                              Sub. : Cancellation of Credit Card No. [protected] and providing the Settlement Letter.

                              Dear Sir/Madam,

                              I was holding HDFC Bank Credit Card: [protected] which was not used since February 2008. I also have requested through phone-banking & consumercomplaints.com to cancel the said Credit Card. I am doing so since May 2008 and finally, after so many discussions had with your Recovery Officer in October 2008, I was suggested to pay an amount of Rs. 3516 for the Final Settlement, without referring the case to the RBI against approx. amount of Rs. 4700. The same amount was paid in October 2008 requested to cancel the Card and provide the Settlement Letter and committed to provide in a Week.

                              After the payment, I have neither received any Settlement Letter nor any statement up to January 2009, which must be sent on monthly bases. Suddenly in January 2009, I received the statement with additional charges for the duration from October to December 2009.

                              This means that my card is not cancelled yet even after so many requests. As per call records of customer care, last time I talked with Settlement Dept. in October 2008 and that was for the Final Settlement, and amount was paid immediately.

                              If nobody from Credit Card dept. had suggested me the amount, then what should be the problem for customer to pay 1200 Rs. more to close the issue, as I am regular payer of another Credit Card.
                              Generally, the statement must be posted and acknowledged monthly as per RBI Instruction
                              Circular No.DBOD.FSD.BC.6/24.01.011/[protected]
                              dated July 1, 2008, mentioned in following link
                              .
                              Because of mistake, ignorance and lake of internal communication by related bank staff regarding the issue, I am not ready to pay the amount mentioned in statement of January 2009 because of the given reasons.

                              Once again, I requested to cancel the card No. [protected] immediately and provide me the Settlement letter based on the last Cheque of payment of settlement amount of Rs. 3516, October 2008.

                              Based on the reply of my e-mail complaint launched in January 2009, I had a talk with your office and they were to contact me with in 72 hours but again it is ignored. The last follow up discussion had with your Settlement Officer on 30/01/2009, Friday and again officer told me to call back with details, but again it is ignored.

                              Considering the ignorance of cancellation & settlement requests, you are kindly requested to provide the Settlement letter stating that the case referred to RBI is withdrawed by the Bank. You are also requested to provide clarification for the ignorance and referring the case to RBI.

                              But, as per my latest talk with HDFC – Credit Card, Debt. Management Officer, they suggest no solution other then the payment. I am also not able to understand,

                              (1) How much late payment charges they have added ? As since last 3 months, bank has not sent any Credit Card Statement.
                              (2) Service Charge claimed for what ? Neither they sent me the statement since Oct 2008, nor any transaction is been made since almost 1 year.

                              Seeking for your favorable reply.

                              Yours faithfully,

                              Jigneshkumar M. Patel
                              +[protected]

                              hdfc bank, — no response to the complaint registered since 3 months

                              i had deposited an international cheque on nov 14th 2008 in my account. since the cheque was not addressed on my name it was credited to my account but was kept on hold.as per the advise by the bank people i had send a request letter to transfer the cheque amount to another account with all the details required. this mail was sent on Jan 15. Now am not getting any response from the bank neither for my calls nor for my mails. very badly disappointed by the service. This amount is kept on hold for last 4 months.
                              Dearsir.
                              writing you this complanit as under in hope to get justice, i have a saving bank account on hdfc bank ltd{branch for ghaziabad rdc}.i have no credit card with the same accont...fir bhi mere accont pe 35000 ka hold laga diya gaya hai na to costumar care mein koi help karta hai na bank manger koi help karta hai ...pls mere ye hold hataya jaye,
                              I have transferr funds from Australia to India and it still on there - I have sent funds on the 16 feb 2009 and today 2 March 2009 the funds still haven't arrived or been cleared - very disappointing. We know who will be changing banks!!!

                              RMS E-Services India Pvt — misuse of fund

                              I have deposited Rs. 12, 500/- 5 months back n till now my money has not been credited to my account, when ever i call they r saying that fund is not there. plz help me out in this regards

                              regards

                              anand

                              HDFC Bank Ltd. — missuse my saving account without my permission

                              Dear Sir / Mam

                              I am ashish pandey, i am having HDFC bank credit card, I had used my
                              credit card approx amount 15000, but due to some reson i am unable to
                              deposite amount on time, after that i had many times call at HDFC Bank
                              customer care, convert my uses amount into EMI, then i will make the
                              payment esaliy, but i am not getting any solution from HDFC bank, Credit
                              card amount is increases moth by month including late fee and interest
                              charges on pending amount, till date my credit card outstanding is 26000.

                              currently i am working with hotspot retails ltd. I am having salary
                              account in same bank, my salary credited on 02/02/2009 in my account, HDFC
                              bank hold my salary in the behalf of credit card outstanding payment with
                              my any written and verbal permission. as per legal hdfc bank not
                              authorized to do that.

                              as per this case hdfc bank cheat the customer, I need the solution. so
                              kindly look into the matter and give the proper solution.

                              Details are given below

                              Bank A/c No. : [protected]

                              Credit Card No. : [protected]

                              Actual uses : 15000

                              Current Outstanding : 26000

                              With Regards
                              Ashish Pandey
                              [protected]

                              value plus — Credit Card statement

                              pls send me the statement of HDFC credit card (month of NOvember to january) thru e-mail. Since last 2 months, i have not received statement thru local post.

                              i hope u will send me e-mail & duplicate statement as soon as possible

                              thanks

                              shriram life insurance company ltd — non issue of salary since three months

                              i'm not getting salary from the company since i have joined the firm please do something in favour of me..

                              shriram life insurance company ltd — non issue of salary since three months

                              working with the company since three months and i haven't recieved a single penny from the company and now when i'm presurising the company they are threatening to terminate from the company.and this is not only with me there are many more in the company near about 40-50 persons are not getting salary from the company..

                              plese take some strict actions against the company..

                              its spoiling the carrier of many youngsters.. and many more.. i'm totally broke..

                              please do not disclose my identity to anyone

                              HDFC Bank — HDFC Bank own rules to earn money

                              Dear Concern,

                              I am sunil Joshi, using HDFC bank A/c No. [protected] since 3 yrs. On 21st Apr, 2009 somebody has deposit amount into my account and bank has been credited Rs. 110 from my account without any prior notice or information.

                              Except HDFC bank, no other bank is taking charges like this. After confirmation on phone banking, bank officials told this is private banking and they have their own rules and regulation. My question is any private bank can do anything without any notice presented by RBI. Please involve in this matter and try to break all this kind of rules made by banks only.
                              Your help in this regards would be highly appreciated.

                              Regards,
                              Sunil Joshi
                              +91-[protected]

                              HDFC Bank Ltd. — Parcel not received till today (6.5.09)

                              My Airway Bill No.ZBO620813 couriered by HDFC Bank Ltd on 27th April 2009. When enquired with my Bank they gave me the details and asked to check with your courier company. Please let me know the status as early as possible. The telephone no, which is given to me is coming continuously busy.
                              Dear sir
                              on 10/05/09 i call customer care to knowing about my golden master card pin number but still not recive my pin no.

                              FUTURE WORKS — NEW ACCOUNT

                              MY ACCOUNT IS NOT STARTED,

                              PLEASE START MY ACCOUNT AS SOON AS POSSIBLE...






                              THANKS..
                              Some Reason purpose all of not mentioned adfc staff name . location baroda and attached location staff.

                              me name not mention some reason make a complaint against Hdfc Bank ltd.the Employees in this bank are harrased and the life becomes hell after joining this bank.

                              Employees has to work till late hours from 9 to 10-11-12 which is against the employement rule and they even don't get any overtime allowance for that.all employee Customer Service adfc staff at baroda branch.

                              i would like to get this into notice of the MD of the bank Mr.Aaditya Puri.
                              HDFC bank has forgotton that it has established the topmost position only because of their employees and they r least bothered...


                              specially in Baroda branch this harrasment has reached at the highest point Customer service Adfc staffemployees are fed up and searching for the new job or just quitting.

                              honarable Mr.Aditya Puri please take a look at this situation otherwise it will be very dangerous for the coming future.

                              All mentali harrement by customer service mangaer and ops incharge Mr.nayan modi & paresh Brahmbhatt.

                              pls give the answer ????????????????????
                              I totally agree with her in this case there are many cases where we are forced to keep our mouth shut by our seniors...we are mentally harrassed and torched and sometimes our senior use abusive langauages also for their juniors...there is no time limit of work...we are there to work constantly without even a single break but our seniors can leave the office when ever they feel like ...they can go for shopping etc...there has been many cases being observed in UP...where employees are harrased and treated like dogs...is there no one who can listen to our problems the conditions are pathetic with ADFC staff...i think being an ADFC is like a bad mark in our lives...I request Mr.Aditya Puri to please take some strict action against this else time may come when no ADFC Staff will feel comfortable enough in working with HDFC Bank...we are also the part of HDFC Bank Ltd we are the last but not the least...we also contribute the best of our efforts in HDFC Bank but the salary structure is also too low plus the atmosphere in which we work is also pathetic...we are treated like dogs...its a humble request plz don something for ADFC else i dont think there would be anyone who agree to join HDFC Bank as ADFC Staff...Mr.Puri we are looking at you for helping hands...we are also not paid for late sitting...and when we ask for the same from our seniors we are blown away from their end saying that you lack ability and knowledge thats y are u an ADFC and you will remain the same and ur not there to ask just do wat ever you are asked to do and donot try to use ur brain...and we ask for leaves we are pointed towards our work that who will do your work??????????? I remember the case when my dad was admitted in hospital since he was not able to breathe there was blockage in his nasal and I asked my boss can i take leave today since i have to see my dad in hospital...i was simply refused saying "NO"...so you can understand wat sort of problem we are facing...HDFC employees are given the permission that they can take sat off after informing to their senior and laying the request in lono...y cant we dont we work for our bank dont we put the best efforts to make our bank the best bank across India...Mr.Puri, I once again want you to please have a look on the pathetic conditions of ADFCs...Will wait for your quick action against this...

                              Hdfc Bank Ltd.Savings A/c — very-2 Dissatisfied with the Hr department of Hdfc bank Ltd

                              Dear sir/ madam
                              I Mr Monendra singh sikarwar past employee in Hdfc bank ltd Bharatpur (1055)
                              Emp-code CM-15375 Worked with hdfc bank ltd bharatpur as a sr customer service executive from Nov-2008 to March 2009 with any kind of salary by Hdfc bank and I am resigned my services to the bank in a hope of salary my salaried a/c no is ([protected]).
                              Thanks
                              Regards
                              Monendra singh sikarwar.

                              hdfcbank — don't pay salary & pf

                              Respected sir,

                              My name is pratap pansuria, I worked at amreli branch (gujarat), I have regin last 10 months, in august 2008 regin but bank don't pay my last months salary & PF . my employee ID -58697
                              RESPECTED SIR,
                              PLEASE ISSUE MY SALARY SLIP 1ST MARCH TO 31ST MARCH.
                              MY NAME IS KUMARI VIMLA & MY COD CK07241.

                              YOUR FAITHFULLY,
                              KUMARIVIMLA
                              HDFCBANK
                              B-6, SAFDAJUNG ENCLAVE
                              DEER PARK NEW DELHI 110003

                              HDFC BANK LIMITED — Statement not issued

                              Hello,

                              I had requested a statement for 1 year to be generated from my two Savings Bank Accounts and 1 current account held with Koramangala Branch, Bangalore.

                              The statement generation charges of Rs. 50 per account have been promptly deducted from my accuont but the statements have not been sent to me by post, email or personally at my branch despite several trips and requests.

                              It appears that there are a bunch of incompetent buffons out there manning the branch counters as well as PhoneBanking.

                              I have been personally assured by one of the "relationship" managers at the branch that the statement will be delivered by office boy, courier email etc, but these assurances never come true.

                              I know it does not make a difference to these and I am banking with them on a minimalistic because my accounts are locked to certain other services. But, I am giong to explore the next opportunity to move my accounts out of HDFC Bank. I have already moved out 5 other current accounts from here to Vijaya Bank which is more approachable and not tied down to "technological" problems.

                              But, this is the standard, consistent attitude of this "new-generation" bank (others are no better, or even worse).

                              Regards
                              Rakesh Rao

                              HDFC Bank — ignorance of customers.

                              hi. i m kirti from rudrapur working in a company.last monday i went to bank to open the salaried account.but the agent in the bank and other senior did not take any serious consideration.they were just trying to ignore. i think they have no respect for their customers.while talkin with mr. varun he was making me fool.i went their three time in a month.while my formalities are ful yet they are making me fool.plz do needful to avoid this in future

                              HDFC Bank — High(Pathetic service

                              Dear Concerned All,



                              I’m the one o[censored]ser of your bank last 1 year and having saving account successfully before this problem.

                              On 30th June I had dropped the cheque amount of 8k at your Nehru Place branch, previously cheque date was not mention so mine cheque got returned at my mailing address. This confirmation I got received during the phone call with your customer care executives. But till now I did not received any cheque at mine mailing address. After that I had visited at Nehru Place branch to confirm my checque’s status. But customer care executives and bank staff (Mr Arpit Agarwal and Ram kumar Branch-Nehru Place) was not giving me any satisfied reply also misbehaving with me. During the branch visit, customer care executive was confirmed me that if you are not able to your cheque status then you have to made the visit at your home branch.



                              This is very pathetic condition for me, I’m not able to know my checque’s status and due to this my personal work has been interrupted. For any problem’s resolution TAT is defined 7 days but almost it has been 15 days passed but no resolution received.



                              But I’m totally disappointed that what should I do for the cheque’s clearance?



                              Please feel free call me.



                              Details are given below:-



                              Name----Upendra Kumar



                              Account No----[protected] (Panchsheel Park)



                              Regard's



                              Upendra Kumar

                              [protected]

                              HDFC Bank Ltd. — Salary and PF not received

                              with due respect. I am NAZISH ALI.i was working as CONTRACT SALES EXECUTIVE(CSE) in sitarganj branch(0853) UTTRAKHAND from 06 NOV 2008 to 06 MAY-2009. my employee code was CN10634&my salary a/c is [protected].I request to say that from the day of my resignation i have not get my 1 month salary and PF.My senior officer Mr.Shazeb Khan(ASM) not giving me proper response.please do smthing 4 me ...
                              i will be thankful to you

                              Auditor — Bus service inadequate

                              Dear Sir,
                              Route No 111 is being operated from Gandipuram to Tudiyalur at proper timings and I really appreciate maitaining on time.
                              But more ove when it reaches morning at 8.40 am at saravanampatti jucntion it seems oveloaded and passengers are found in foot board which is not advisable against safety norms

                              This is because so many institution, industries, IT parks situated at saravampatti tudiyalur area

                              To avoid overcrowd transport corporation shall introduce additional buses between 8.40 to 9.00AM at saravanampatti pirivu which will ply towards tudiyalur

                              We request you to check the crowd at morning hrs you can depute your personnel at peak hrs


                              Best regards,
                              v.Balasubramanian/auditor/cbe

                              HDFC Bank — Over bad service of hdfc and thier intention

                              I have not seen such a deliberate harrasment by any service provider and particulary a bank such as HDFC Bank

                              Thier rep are bid to tourcher and give mental pain as much as to the customers - they are least bother and they dont have any wish that frastrated customer even if go and said this to multiple others.

                              Not even me i come across many who have been royely screwed up by the such a pathetic service given by the bank.

                              For one loan closure they have trouble as much as possible and took 4 months to complete the process. Neverthleast they misplaced high amount Rs.28L cheque and didnt have any answer. thier so called unmannered girls rep who deal with loan dept are trained to behave rudely with customers and asked to not to extend any help to custmers

                              oooof for god sake dear friends pl think before you approach to hdfc bank
                              Even this policy of 7.00 pm is for thr top brass, come to the North hub at Rajouri Garden, ansal classique tower, new delhi where HDFC BANK has 10 storey at 10 pm you will find people working. people havve find ways to circumvent the policy.. they will say my staff in coming in two shifts. in fact in HDFCBANK, 12-16 hours a day in non -issue. And every year we hear that the Bank has won a awad on employee satisfaction.. all lies..all kind of exploitation goes on.. in Phone banking girls are asked to come early and sign in the register at time 8 am. in collection, ppl cant leave till 1.00 pm.. bosses uses the worst kind of foul language and suggest only way to get promoted in to sleep with him.. plight of ADFC-SUPPORT STAFF is worst .

                              HDFC Bank — lost my check

                              Dear Sir,
                              I have a saving account no. [protected] in hdfc bank sector-62, Noida Branch. I deposited a fund transfer check in my account on 22.09.2009. Now, Bank has losed my check.

                              Railway — not taking travel allowance in salary

                              dear sir
                              this is ajay kewat. my father works in jabalpur as head TTE in railways. every time he face problem in getting his salary in his bank accounts. and also he face problem to get his travelling allowance . that staff who engage to calculate salary including travelling allowance do not add this into salary..i want to complain against regarding this.
                              sir to solve this what we can do please suggest me....thanks
                              Salary and PF not recieved
                              with due respect. I am DAVINDER PAL SINGH.i was working as CONTRACT SALES EXECUTIVE(CSE) in sunder nagar branch(0606)ludhiana PUNJAB from 03JAN 2007 to 13 OCT-2008. my employee code was CD 09280 &my salary a/c is [protected].I request to say that from the day of my resignation i have not get my HALF months salary and PF.My senior officer (Mr.VISHAL SABLOK(ASM) not giving me proper response.please do smthing 4 me ...
                              i will be thankful to you
                              sir, i went u r bank and just know about status about my account which i have maintain last three year my costemer id id 20194350 so plz tell me about the type of account is it nro or nri

                              HDFC Credit Card — abusing like hell from bank where i want to pay the amount

                              respected sir/madam
                              myself srimanta kumar saha using your bank credit card no([protected]) from last one year. i got purchase around 26k and already paid 15k in last one year by paying minimum balance every month. but in this month due to some financial problem i was unable to give my minimum balance , but afterwards i was ready to pay my whole due amount at a time that will be arround 28k in this month but sorry to say i visited in your gillender house branch but no one is entertain me for payment they send me 1st 'c' block then told me to go 'f' block where i mate with one of your banking staff arunima sarkar. she said ms priya chatterjee is looking for my account so she only can help in this matter so come on monday that day the she will take my payment. ms priya chatterjee previously called me up but the way she speak i dnt think that she is belongs from any cultural family.the way she speak its really pathetic i[censored] dont mind then i can send you her recorded voice also which i recorded when i was talking with her. she used very pathetic slang which i canot write even.
                              1st of all u cannot call me a defaulter . your executive when came to me to take the card he said that all the facilities am having in my card i specially asked about emi facility he said its very common thing definitely i will get this after a big amount purchase. but after a big purchase when i call for emi nobody entertain me from customer care they replied that there is no emi facility in my card only it can be possible if i pay the minimum balance for the 6 months . afterwards it can be convert into in emi but after 6 months also the same thing was happened again told me to pay minimum balance for next 6 months that time i told that at least shift my payment due date which is in 3rd of every month make it atleast 10th of every month since i get my salary on every month 7th it will be flexible for me to pay. atleast i will be able to pay in time thats the things also refused from your customer care end.
                              now in this month when i was unable to pay my minimum due i got a call from ms priya chatterjee. that was a pathetic from her side i know i was unable to pay for a month it means not that your people will give the slang in this way.
                              i try to make her understand that i want to pay the whole amount at a time in this month give me some time for that . then after only i went your gillender house branch in kolkata there also they refused to take the whole amount at a time.
                              now can you tell me where was my fault?
                              where as i already paid 15k as a minimum due. still am ready to pay my whole due but nobody is ready to take that and they are abusing me like hell and that is also in such a way am feeling like to die coz i never thought in my life that i got the responce in this manner from any bank people.
                              every daily basis ms priya chatterjee is calling me and telling me to pay the minimum due they are not ready to take the whole amount at a time after daily basis abusing lastly today ms priya chatterjee told me to go on Monday and pay the whole amount and i don't think that they will take and i am feeling very afraid for abusing again.
                              i dont want to continue your card services any more i just want to return my card and pay the whole amount at a time and in future also i dont want to make any transaction from your bank .
                              lastly teach your executive to talk with the people. coz you also know very well if take this case to court i can harass your guys very well and lastly bank have to come for settlement but fortunately i am not belongs to that kind of family where we dont cheated the people and my parents teach me also how to talk with the people.
                              monday i will pay the whole amount and afterwards i want you take some action against ms priya chatter otherwise after clear the payment from my side i will take this things to West Bengal Human Rights Commission. and i am very much serious for this matter. either she has to apologizes me other wise i will see the end of this matter. i want you to take the action from your end if you unable then i will show you what i can do from my end.

                              thanks and regards
                              srimant kumar saha
                              ([protected])

                              HDFC Bank — working hours

                              hdfc bank employees are still working late.please understand as hdfc bank employees also have personal life! too much work pressure is killing them..also late working hours.
                              if they want to verify they can check with cc tv's installed.

                              HDFC bank and Consumer forum — I registered the complaint, but no action

                              I registered the complaint about 15 to 20 days ago, but yet my complaint regarding HDFC Fraud has been tekn into consideration. The bank sent a mail that they are going to reply in 4 days but they did'nt reply. Please take strict action against the bank or i have to file a POLICE COMPLAINT AGAINST THEM.
                              i am working in hdfc bank in ichalkaranji branch from 6 months & my TL, SM, & Upper boss are HARRESHED me. & Still today they do not giving me my 6 months salary & insentives
                              today my salary is ( 37710.00 + insentives 18650.00 = 56360.00) "mere sineor meri salary kha rahe hai" "puchne per bolte hai jisse hota hai salary karwa lo hum nahi denge"

                              HDFC Bank Ltd./Car plus — PF Ammount

                              Dear Team,

                              I have worked with you from 19 jan 2007 till 26 march 2008. I have sent my all PF documents to you twise. but my PF amount is not being creadited in my account.kindly request you that plz. credit same in my account ( [protected] )HDFC Bank account. as i badly needed this money. detail are mentioned below...

                              Name om prakash kashyap

                              Father Name Chunmun ram kashyap

                              Employee code- O00183

                              Date of Joining 19- jan- 2007

                              MY PF no. MH/BAN/45327

                              Grade G4

                              cont. no. [protected]

                              Regards,

                              om prakash kashyap

                              HDFC Bank Ltd. — PACKET NOT DELIVERED

                              AWB[protected]
                              It has dispached from chennai office HDFC Bank on 02.01.2010. But till time it is not delivered.Pls. confirm me the status.
                              Thanks & Regards,
                              Naveen Verma
                              Mob. no. [protected]

                              HDFC Bank — bad system

                              could not atm pin delivered to my local address , tried for 2 months, could not get email bank statement as promised with in 48 hours.

                              HDFC Bank Ltd — can't open hdfcbank netbanking website

                              Respected sir, I can't open hdfc bank nebanking web site since last week, which
                              i can open it from another computer. please guide me accordingly.

                              HDFC Bank — Bank lost my salary check and give no response

                              I submit my salary check in HDFC bank ( ambala city branch ) on 5th feb. and when i go to bank on 8th Feb. and ask why not my salary comes in my bank a/c . Ms. deepti (working at there ) said me they lost my check and gave me not proper response . Till today , they not find my check and half month is pass out , i face many problems because salary not comes in a/c because of carelessness of Hdfc ambala city branch. I want help from u. I have a bank receipt also and check no. please contact me on :[protected] and help me.
                              I am from ambala city .

                              HDFC Bank — Harassing through Phone & by visiting Home Uneccesary

                              I have taken a Loan from HDFC Bank & started making payment regularly before the due date but the bank's People called me every month & asked not to pay through cheque in any HDFC counter or any drop box as I use to pay Through cheque. They asked me to pay to their executive. I agreed & started paying to executive but they charged me late fine as I told them earlier to collect my payment before the due date so that I should not charged any fine but it happend times & I asked them to waived it as I am a good customer. but they didn't. Then I just stopped my payment last month they started calling me for payment but I want them to waive my late payment charges so that I can start making payment regularly. Instead of doing that they called up & started abusing to me, I just got very upset & tried to ignored them. But now they started abusing by calling in my home & also to My neibours.
                              LOAN A/C NO: [protected]
                              So, I though that you people might help me out of this.

                              Please take an action against it & let me know if anything is required.


                              Regards

                              Debankar Biswas.
                              These HDFC Bank's People and Executives are not having no common sense. Are they human beings are not? While giving the loan searching like dogs to give their property to us. After loan sanctioned if we don't pay in time they again do the same job to scratch us. This is very ridiculous on the baking system and human rights. You better change your address and phone number for some time.

                              The who robed, done scam earned illegally with other business are giving lot of fund and an amount if that closes, they not even take their pubic hair. They not even touch the particular person.

                              We people are very soft in nature that's the reason they do whatever they like?Do they not have any family or mother? If the same thing happens to their friends or relatives do they not take any action against those stupids?

                              Please you better consult human rights commission or any media in your location?

                              Regards,
                              Your Well Wisher
                              Dear customer,

                              All bank representatives are required to adhere to strict guidelines with respect to their tone and manner of interaction with customers. We sincerely regret the behaviour of our agents and the distress it may have caused to you or your family.

                              We would like to investigate your complaint further. Request you to please email us at [protected]@hdfcbank.com with some additional details such as your loan account number and contact details. Please mention the id number TTU[protected] in the subject line of the email. Once we receive these details, a bank representative shall contact you.

                              Additionally, we request you not to post sensitive information such as account numbers on a public forum such as this, as it may lead to your account being compromised.


                              Regards, Customer Assistance, HDFC Bank
                              I AM AGREED WITH YOU.

                              I AM ALSO FACING SAME PROBLEM WITH HDFC BANK. HDFC BANK HOLD MY SALARY A/C WHICH I HAVE RS. 23488/- IN IT. WHEN MY SALARY IS CREDITED ON[protected] THE BANK ON SAME DAY HOLD MY SAVING A/C. PREVIOUSLY I HAVE A CREDIT CARD HAVING OUTSTANDING OF RS.8000/-. ON THAT TIME BANK CHARGED LATE PAYMENT FEE AND FINANCE CHARGES UN NECESSARLY AND I REQUEST THEM TO REVERSE THE CHARGES AFTER THAT I WILL PAY MY OUTSTANDING. BANK REFUSED TO REVERSE THE CHARGES. AND I ALSO DECIDED NOT TO PAY BANK UNTILL BANK NOT REVERSE MY BANK CHARGES.

                              NOW BANK HOLD MY SALARY A/C AND SAYS YOU HAVE AN OUTSTANDING OF RS. 37000/- ON YOUR CARD. I DONT KNOW HOW BANK CAN CHARGE RS. 29000 AS BANK CHARGES ON A OUTSTANDING OF RS. 8000/-.

                              BANK HAS NO RIGHT TO HOLD SAVING A/C WITHOUT PRIOR NOTICE.

                              PLEASE SOLVE OUR ISSUE.

                              hdfc / credit card — Harrassment by HDFC Employee

                              Hello,

                              My name is Manish Dixit and I have been using HDFC credit card since 2004.Credit Card number - [protected]. I have been payng all my bills on time. I also opted for cash on call from bank. Due to the mounted outstanding balance i have been paying my minimum amount since last 1 year and never face any problem.

                              Now, For the first time, I was not able to make the payment in March as i had to travel to US for a business trip. The first call from bank was recieved by my Father and he had a really bad experience. My father was abused and harassed by the caller who was an HDFC employee. I cant even write what the HDFC employee has said to my father.My father disconnected the call but the caller keep on calling and repeated used profane language whenever my father picked up the phone. I do have those number from where the calls were dialled.

                              I want all of the services to be stopped right now. I am in United States and will return in August 2010. I will personally visit the HDFC payment collecting office and settle this whole scenerio.

                              I dont want anyone calling my Father from HDFC bank as i demand a written apology from HDFC.I would not hesitate to go to Court or Police if we recieve any such call again.

                              Please let me know what information due you need for verification of my CC account so that all the services must put on hold till i return. Please provide me a contact number or email Id of Manager( Customer care) to whom i shall talk personally regarding this matter.

                              Thanks,

                              Manish Dixit
                              Dear Manish,

                              We regret the inconvenience caused and would like to investigate your complaint further. Request you to send us an email at [protected]@hdfcbank.com with your credit card details and contact details. Please mention the id number (TTU[protected]) in the subject line of the email. Once we receive these details, a bank representative shall contact you.

                              Regards, Customer Assistance, HDFC Bank
                              I am also getting the same calls like this.. which is torturing us day by day..
                              They are using abusing words and spoiling our day with those words..
                              Please take some action on this..

                              AXIS BANK LTD,PUDUKKOTTAI — MENTAL HARRASSMENT BY THE BRANCHHEAD

                              Our branch Head Mr.G Srinivasan is harrasing mentally and teasing , insulting in the presence of the customers. I am mentally worried if this persists I will become lunatic. He is squeezing our blood for the extraction of the work and he should be transferred immediately or severe punishement by labour commissioner. He is making the staffs to work more than 8 hours. Please pass on the message to labour commissioner to take appropriate action.


                              Thanking you,

                              Sivasaravanan and other staffs.

                              AXIS BANKLTD, 2737 PREMA COMPLEX PUDUKOTTAI EAST MAIN STREET, TAMILNADU
                              Harrassment of employees
                              I 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 10-11-12 which is against the employement rule and they even don't get any overtime allowance for that.
                              i would like to get this into notice of the MD of the bank Mr.Aaditya Puri.
                              HDFC bank has forgotton that it has established the topmost position only because of their employees and they r least bothered...
                              HDFC bank has started the new policy now a days they ask their employees to close the "batch" exactly on 7.00 but they ask employees to work late after that.the idea behind closing batch is employees should leave branch by 7.00 but there is not a single day when employees can go home on 7.00.
                              specially in South delhi branch this harrasment has reached at the highest point employees are fed up and searching for the new job or just quitting.
                              honarable Mr.Aditya Puri please take a look at this situation otherwise it will be very dangerous for the coming future.
                              I am calling HDFCBANK for credit card since three days, and the customer care service ppl ar replying that their server is down. I have credit card bill of 4402, and i havent used this card for last 1 year.
                              I am going to file a complaint at cunsumer court. and withdraw all my saving account and fixed deposit with hdfcbank.

                              Pranjal Singhai
                              MY Harassment by Himanshu Srivastav

                              I am the Sales Executive of HDFC BANK, Sec-62, Noida branch(UP) & My employee code is CA24457. I have done with HDFC BANK from 5Feb.2010 to 14 May2010, now i want to give the resign from the post but my SM Mr. Himanshu Srivastav is not accepting my Resign & He is saying that he will demand from organisation to terminate me. It is not fair as per policy. He has also given my salary after 3 months due to this I want to give the resign.
                              MY Harassment by Himanshu Srivastav SM of SEC-62 Branch

                              He has also kept my Mobile when I went to give the resign and also use the abuses language against me and not accept the resign.
                              After I have called the police then he gave me my mobile. Till After 3 months I
                              have no I card, offer letter, salary (now I have got my salary at 10 May 2010 of
                              3months) due to this i am giving resign but he is not accepting and he make sure
                              and want to terminate me and also want to tarnish my image and carreeer.
                              He also pressurises all CSEs to do the work till late night and do work on Sunday otherwise he cuts our salary.
                              Even HDFC Bank (Bhayander Branch) is on the same track...employees being asked to work more than 12 hours...Manager himself is useless creature on earth...


                              We all should come together and lodge a complain against them with Labour law of India...and mark a CC to the High Court along with a CC to the President of India
                              http://labour.nic.in/


                              visit this website

                              HDFC Bank — Harressment from Marketing

                              Sir,
                              I have been getting daily calls from HDFC bank executives to apply for Credit card. I agreed couple of times and applied but never got any reply from them. However, the calls did not stop.

                              I decently requested them not to call my number and delete which never happened. I raised complaint at HDFC at <grievance.[protected]@hdfcbank.com> and have been following up. Every time they assure that my number will be deleted across all the branches in India and I will never get a call. However, still today I am getting calls. I have written number of mails to HDFC but still they do not seem to take any action.

                              Sir, request you to kindly help me to stop this harressment from HDFC.

                              Thank you and kind regards
                              Murali
                              [protected]
                              murali.[protected]@gmail.com

                              PUSHP RAJ — Abusive language of your client

                              Dear sir, i want name and adress of person having [protected].
                              Please do the need ful.
                              thank you

                              HDFC Bank — LOUSY BANKING – HDFC BANK

                              Recently HDFC bank revised their Average Quarterly Balance to Rs. 10000/- which I came to know only when they deducted the money towards not maintaining the stated Average Quarterly Balance. When I called customer care they said, it has been conveyed to customer through emails and postal bank statements.

                              First of all, when you try to open HDFC bank statement it always opens with “junk characters” like this “W —b UN √WO «d OK « WIOI ËWO UL «Â√ WO UO Â√W dJ”. This has been so from the beginning since I opened my account with lousy HDFC Bank nearly 6 years ago. As I mainly depend on ATM statements, I didn’t bother till date about unreadable email bank statements. The bank expects me decipher what these “junk characters” are saying about revised Average Quarterly Balance.

                              Secondly, as I had changed my residence, I had sent them a letter duly signed by me, to update my address nearly 8 months ago. In spite of this, the lousy bank dint update my address, thereby I never notified of change in Average Quarterly Balance.


                              Note – ICICI bank has a simple procedure, wherein customer themselves can update the address logging into their Internet Banking site, as they shift their residence. This system has many checks and balances to avoid any misuse of the facility. The low IQ HDFC management can hardly conceptualize such innovative steps. Why cannot HDFC bank disband Net Banking when they cannot incorporate customer friendly steps in net banking, when they still want each customer to walk into their branch in an old fashioned way for all such requests.

                              I stated all the above to their customer care agent, when I got the reply, not to disturb them with Average Quarterly Balance related issues, instead visit the branch for any solution related to AQB.

                              Note - ICICI bank also had revised their AQB, and I had similar issue with them, but on contacting ICICI customer care, they agreed to reverse the amount (pleasantly so!) this facility is extended to all ICICI bank customers one time during the lifetime of the account. Naturally, after first instance it is the prerogative of the customer to maintain the stated AQB. Why does HDFC bank have customer care agents, when they cannot solve any genuine issues customer raises. Just a hogwash to show they are at par with other banks!
                              i was an employee in hdfc. i used to leave 10 or 11 pm daily, still people are sitting there to please their bosses and poor mr aditya puri cannot do anything about it.we will not get answer for this, because we are in india. senior most people in hdfc do not have time for poor employees. they are worried only about business .God save people who work in hdfc bank.
                              Hi,

                              To understand the level of cheating of HDFC Bank, plz read this.

                              1. Dear Frndz, there is TRAP waiting for all o[censored]( domestic and international)... its called the UNHOLY HDFC SLIC-Insurance. All the NRIs are targeted. Though this is done by all Pvt Banks here. But HDFC Bank is the master of cheating clients. For ur information, Bank gets 30-40% profit by selling Insurance to the clients and the parasites called Cluster Heads, Regional heads and all the Di.k Heads are going abroad and enjoying Booz Parties with lady collegues who r getting promoted. Not a single penny is given to the poor Personal Bankers, Relationship Managers or PB/TA Authorisers.

                              U invest in Insurance but not from HDFC bank branches otherwise b ready for ' SAR MUDA KE JIO'.

                              2. HDFC Bank have started Band1 and Band2 exercise, which means eradicating less profitable accounts from the Branch and whipped the Branch Staffs not to give any service to those customers. I have got the Bank Guideline in my hand and can be handy when I drag Mr. Puri's pathetic top mgemt team' to RBI and Consumer Forum as this is a Slap to RBI Legislation.

                              3. HDFC Bank's so called pass book is mockery of regualtors guidelines. Mr. Aditya Puri is making fool of RBI and individuals by providing this pass book. Even some people have thrown these pass book on the face of staff and said" why you are making fool o[censored]s ".

                              4. The Natsy Top Mgmt of HDFC Bank have created a pack of ever hungry unholy beasts called CH, RH, ZH, ZSM, RSM whose main task is to live like a Parasite and suck the bloods of thousands of employees and implement the rule of the jungle.

                              5. HDFC Gold Bar--Mr. Puri,
                              Why your gold prices are 2000+rs per 10gm higher as compared to market price. Not only with local jewellers but even when compared with branded jewellers(24 carat 99.99 % pure)these are very costly. Can you re-purchase the Bars from the customers? Why? Have you ever tried to find out how much Gold you have sold to HDFC Employees? Less than 1% of total sale. Coz employees very well know that only the scape goat called 'customers' will be cheated.
                              Dear Frnds, do u want to purchase Gold Bar from HDFC Bank nd enjoy Dhanteras or Diwali after knowing all this?

                              6. FALSIFIED INTEREST RATE:

                              In case of any loan, the Interest rate should be charged on the net disbursed amount( Net dibursed Amt= Sanctioned Amount- Processing Fee-Other Charges). But HDFC Bank charges the Interest on the sanctioned amount. Mr. Puri, can anyone tell me from ur Team, why customers pay interest for the amount which is already taken by you at the first place? Proc fee u have never disbursed to the customers but u r shamelessly taking interest from the customers. Why??? U bloody cheaters.

                              7. FORECLOSURE CHARGE:
                              In lieu with RBI Guideline, Puri charges 4% Foreclosure for Premature Loan closure or Loan Balance Transfer and even in case of Top Ups. When someone is repaying the Principle amount, you should give them some discount for their assertiveness. But you are penalising instead. What is this?

                              For the Information to the customers of any Money minting Pvt Banks, Foreclosure charge is not to be given if you are pre-paying Loans from ur own pocket. I[censored] r transfering the Principal Outstanding to other BANKS, then there is a provision of a Charge.

                              You directly mail to the Top Management of HDFc Bank and choke their mailbox:

                              Mail to:
                              aditya.[protected]@hdfcbank.com, g.[protected]@hdfcbank.com, mandeep.[protected]@hdfcbank.com, naina.[protected]@hdfcbank.com, anuj.[protected]@hdfcbank.com, priyanka.[protected]@hdfcbank.com, navin.[protected]@hdfcbank.com, biju.[protected]@hdfcbank.com, pralay.[protected]@hdfcbank.com, nitin.[protected]@hdfcbank.com, navin.[protected]@hdfcbank.com, gulzar.[protected]@hdfcbank.com)(eastern ZH)

                              8. HDFC Top Management made the employees at lower mgmt to sell some of the ‘Award Winning’ products which only can be sold when you mis-sell or half sell or under sell or by putting a Gun at customer’s head. When a customer complains, it is the poor hand to mouth earning PB/RM is put infront of the Firing Squad by these CHs. PB/RMs’ career is at stake becoz the management who is instigating to hit the dash board in every sec mail by the theory of BEG BORROW STEAL and UNDER SELL will stand down.

                              9. HDFC Bank and Restaurants

                              Mr. Puri, u actually dont know what do you want. Your country head forwarded a mail, which is written by sarfaraz ahamad, an ex HDFC bank employee and presently working with DSP merril lynch, on 19/09/08 in which he compared grocery shops and restaurants with bank. According to that bank employee should not have any life as he mentioned by way of powerpoint presentation that when restaurant does not ask for food to be ordered in particular business hour say 9 to 5. Then he said If you buy a shirt from zodiac store from mumbai then you can get this replaced in kolkatta from a another shop of zodiac and this is a lie of that year as it is not easy to get the goods exchanged from the same shop also.If Mr sarafaraz is fan of this idea then why he had left HDFC Bank.

                              As a Samosa Bank, ur customers tell ‘sometimes we don’t understand whether we are in HDFC Bank Branch or local train compartment’. There is no difference between Hawkers and ur Sales Managers.

                              U made their life like rotten Hell. How you expect them to provide service to the customers, when your tendency is to suck every penny of a common man?

                              10.
                              Your employees are no more frightened from Cancer, AIDS, Heart Attack, Rail/Road Accidents because the virus you have made (i.e. CHs, ZHs, ASMs, RSMs, ZSMs) are spreading MEMO disease. Every now and then employees fear this deadly disease. CHs, RHs can unanimously issue Memos to everybody without providing the chance to defend. Even Aajmal Kasabh getting a fair chance of defending himself, why can’t your employees get any? Is your HR sleeping?
                              Ur HR is a Piece of Bloody .

                              Under the circumstances, dear frndz, i will reveal more spine chilling organized cheating of HDFC Bank in due course. In the meantime you stay away from HDFC Bank and make a consensus to Boycott the Bank and its Sales Agents.

                              HDFC Bank — Charged children account without any reason

                              HDFC Bank is biggest decoit i have ever seen. Couple of years back their agent came to my place to open children account. The condition was to have Rs 10000 FD and you can maintain 0 balance.

                              Recently they charged Rs 330.90 suggesting that i have not maintained minimum Rs 50,000 balance.

                              They change this scheme in Apr 2010 without notifying customers or atleast me.

                              How can any bank do that? If they change any policy they must notify customer in advance so that either customer can close their account or maintain balance according to new system.

                              However, i think RBI (regulators) are just sitting idle. Nobody seems to be working for the customers. How many people in this country can maintain Rs 50,000 balance and that too all of a sudden.

                              I am shocked.

                              HDFC — POOR RESPONSE FOR QUERY

                              Dear sir,

                              I have have been chrged excess procerssing fee which is more tha sanction amount. I have send mail to concerned persons and to Branch, Now no one is responding including BM, not responding the mails. when send the maIL customer care they are also not responding, mail on the web page are also not responeed. I could never believe HDFC id workiing this way. All loan seeker may share my experinece if they are thinking loan from same organisation.

                              warm regads
                              Ajay

                              HDFC Bank — harassing about a loan we didn't take

                              HDFC Bank has been making several calls a day regarding a loan which we never took.It was taken in the name of one called GOPI SINGH, resident of Hyderabad and we live in Nuzvid.That person has given our contact number as his and he has not been paying the EMIs for the last two months and the Bank is calling about that loan and SMSing us about the loan.We explained them that it was our personal number and we don't know any GOPI SINGH.Yet they continue to call us and we feel very inconvenient and disturbed explaining to them every time. We also explained that we would contact a lawyer and tack action but they would not refrain.I want a solution for this problem.We even traveled to Hyderabad to meet the bank staff, at our own expenses and the bank states that the person has taken the loan through attachment and no photo of him is available and they only gave the address of the person.I want to know what to do to stop these calls.
                              Name : Samrat Chakraborty
                              Employee Code : S11331
                              Supervisors Name : LOPA RUPAREL

                              Y I LEFT HDFC BANK ….. DONOT JOIN HDFC BANK
                              1) I met with an accident on December 31st 2009 during office hours at 3.00 PM at Malad Orlem Branch, I had gone outside the branch to have a cup of tea ( the branch did not have a tea vending machine, fact confirmed ) and a biker hit me and the impact was so tremendous that my wrist suffered 3 fractures ( multiple fractures ) . I had to undergo two surgeries for the same. The orthopedic had clearly stated that I would be bedridden for 1.5 month at least but IT was ME who reported to office on the 12th day and to my surprise the leaves of 12 days were adjusted against my PL balances and SL balances and I was denied a special leave. SPECIAL LEAVES ARE FOR SPECIAL EMPLOYEES ONLY?

                              2) I had my marriage ceremony on 4th Feb 2010 and I was given a leave of 7 days only for completing and returning back from my marriage and to my utter surprise the said 7 days were treated as LWP and I since I could not report to office on the 8th days I was issued a strict disciplinary MEMO . I had requested for additional leave of two days on Mail when my phone calls were not answered by my supervisor, my supervisor termed the mail as SARCASTIC . NOTE that the entire 10 days of leave were treated as LWP and a WARNING MEMO was also issued to me. Marriage is and important event in a person’s life and with this kind of behavior shown to me my marriage memories are scarred and will always remain so. I AM NOT SAYING THAT I DONOT WANT TO ADHERE TO RULES AND REGULATIONS OF THE ORGANIZATION BUT WHAT HURTS ME THE MOST IS RIGIDITY WITH WHICH THE RULES ARE IMPLEMENTED ON THE EMPLOYEES. DOES HDFC BANK NOT RECOGNISE THE SOCIAL OBLIGATIONS WHICH A HUMAN BEING CAN HAVE OR I THINK IN THE QUEST TO BECOME A BIGGER BANK IT IS WILLING TO MURDER PURILE HUMAN SENTIMENTS?

                              3) My leave balances were reduced as well as my Salary was not paid to me for the same leaves Example in the month of Feb 2010 I was LWP for 10 days and my PL balances were also reduced by 10 days, it was at the time of calculation of notice period dues that I raised the issue with HR and had to get the same rectified . Leave card helpdesk clearly told me that I am lying and that My assertions were false but to my surprise I got a gentle mail stating that My PL balances are 19 and not 11 thus accepting the mistake .EVERY EMPLOYEE SHOULD LEARN TO DO HR AUDITS !!!.

                              4) Since I have to visit branches located at various location in the city of Mumbai I end up spending at least Rs 4500.00 Per Month on conveyances. My travel might range to Kalyan, Nalasopara, Dombivali, Naigaon, Khar Bandra, Worli, Borivali, Goregaon Andheri, Dadar, Worli just to name a few locations and a sum of Rs 4500.00 is a dismal figure considering that in a month I am at branches ( NON BASE LOCATION )for at least 22-23 days however to my surprise it was conveyed to me by my supervisor that (a) First class fare is not eligible (b) Rickshaw fare is from the nearest station only, still I used to lodge a claim of Rs 2200 to 2400 and to my disgust even that was denied .if I take a average of 4500 then in the period of 11 months of tenure in HDFC bank I have spent approximately 49, 500… and till date my reimbursement have been only Rs 16, 100.00 ONLY. On raising the issue I was told by my supervisor that the HR policy says like this and moreover my expenses depend on my mode of travel . I can challenge that in my tenure of 11 months I have never boarded a MERU cab or any luxurious mode of travel. What was worse is the fact that questions were raised on my boarding AC buses of BEST since they are EXPENSIVE ….. Should I consider myself a Deputy manager of the country’s fastest growing bank or a Carpenter’s laborer who should travel in filthy second class compartment of local trains and wait in serpentine ques of Buses and still manage to REACH OFFICE AT 9.30 AM and that too with a Bag which weighs not less than 6-7 kilograms? GOOD AND INNOVATIVE METHOD OF COST CUTTING!!!






                              5) My supervisor told me that I was a confirmed employee of the bank and this act was done to show that the Organization CARES about me, but to my utter disgust it was because of my confirmation that I ended up Paying Rs 34225.00 to the employer as my short notice period dues ….. during confirmation neither was my salary increased nor my designation changed and you can very check with MY HR RM that I had joined HDFC bank on the same salary as I was drawing before and I had joined HDFC from a very reputed New age private sector Bank . WHEN IT COMES TO RECOVERY OF NOTICE PREIOD DUES YOUR ORGANIZATION IS ONE PICE FATHER MOTHER BUT WHEN IT COMES TO COMES TO REIMBURSEMENT OF GENUINE TRAVEL EXPENSES YOUR HR POLICIES COME AS A HURDLE …… CARE OR CRUELTY?


                              6) LAPTOPS provided to me was 8 years old and when they malfunction questions are raised on me as to why I could not use properly and the blame comes one me that I donot know how to preserve the assets of the organization…. Even the new small wipro Laptops are a real pain to use since they so non user friendly and inconvenient to use but the productivity expected from me is rising at a rate which is higher than increase in inflation rate in India .A GOOD CARPENTER DOES QUARELL WITH HIS BAD TOOLS!!!


                              7) When requested to increase my salary since there were a lot of incidental expenses related to my job, I was quietly and politely told that “ Yes I do accept that salary is low but you don’t need money at this point of life ….. You need money after five years”. ITS HIGHTIME THAT PEOPLE START READING TIME VALUE THEORY OF MONEY!!!


                              8) Since I had to do branch audits, in 90% of the cases I could not take my lunch before 3.00 PM, (your branch timings end at 2.30 PM) and as informed by my supervisor I cannot take lunch during official hours because the customers are present in the branch and as a result of which my health had deteriorated so much that sometimes during a month I had to stay on liquid stuff for days ….for doing the branch audits I had to leave house so early that I could not get my food prepared so early and what I got in return ? SECOND CLASS TRAIN FARE and comments like “U ARE NOT PUTTING IN YOUR BEST”!!!


                              9) The employer and employee relationship in HDFC Internal audit department as understood by me is completely ONE SIDED ….. Wherein the employee completely famishes himself in the service but returns, rewards, recognition is only there for seniors not for the junior staff. Discipline etc expected is of the highest order. EMPLOYER EMPLOYEE RELATIONSHIP SHOULD BY SYMBIOTIC IN NATURE BUT IN HDFC BANK IT IS CATASTROPHIC!!!


                              10) In my tenure of 11 months I have seen 9 persons including me who left the organization to name :Myself, Tanvi Patwardhan, Aditi Mehta, Sapna, Divya Kunnath, Meghna, Jayanthi Naidu, Masumi Agarwal, to name a few …. My bigger question is why is there no introspection on the attrition?


                              11) My H.R R.M M.S Pushpa D silva should be given the award for being the best DIPLOMAT because initially she had said a sum of 8000.00 would be paid to me monthly on account of traveling /Mobile/Incidental expenses and when the same feature was not reflected in my offer letter AND WHEN I RAISED A QUERY I was diplomatically told that “ all these are out of the pocket reimbursements and you will get it as a reimbursements” I very well remember this statement but to my utter surprise she very diplomatically and categorically denied making this statement when recently I had a word with her .PROMISES ARE NOT MORE THAN WORDS AND WORDS ARE ALWAYS MEANT TO BE TWISTED!!!

                              12) On the day of Babri masjid Verdict case ( 30th sep 2010) I requested my supervisor to allow me to go home at 4.45 Pm since the situation was volatile but the reply given to me was “ There is no official communication from the Admin team and even the girls are sitting in the office, what is the need of your going home”



                              TO CONCLUDE: CAN HDFC BANK BANK COMPENSATE ME FOR RS 67, 655 MONETARY LOSS (33400 UNDERRECOVERIES ON TRAVELLING FOR OFFICIAL PURPOSE + 34255 OF NOTICE PERIOD DUES) AND THE INTANGIBLE LOSS IN TERMS OF LOSS OF MENTAL AND PHYSICAL HEALTH? AND MORE IMPORTANTLY CAN THE WORKING CONDITIONS IMPROVE ?

                              THIS BIGGER QUESTION HAS TO BE ANSWERED BY TEAM HR IN HDFC BANK

                              HDFC Bank — HDFC BANK MAKE THEIR OWN RULES....

                              i have account no [protected] in name of JAINCO VALVES PRIVATE LTD . today i given my son 2 cheques to get withdraw cash from hdfc bank of totalling Rs 40,000 . he goes but the bank refused to honour those by giving simple reason that the I.D PROOF I.E DRIVING LICENSE WHICH he is showing is duplicate . although he is showing original license to Mr T.S AHUJA , BANK MANAGER AT ADARSH NAGAR BRANCH JALANDHAR . he has also requested manager if he want to confirm his identity just call on the cell & ask whether person is genuiel or not but the manger not listen further he also says ok if you dont want to honour the cheques just give the reason in writing . but manager not listen & says do whaterver you can he will not honour the cheques . my simple question is to banking authorities that why they irritate the custmoers just because they have not accorunt on their respective branches . my question is that WHY HDFC BANK MAKE THEIR OWN RULES & MANAGERS AT BANK IRRITTAE THE CUSMOERS to open the account in their branches.....
                              dear sir,
                              i will take the precaution in future & i have send you e-mail directly .
                              ys very bad languge used by bank
                              whch i cnt listen,
                              pls pls contact with me frm bank side whch person is geninue

                              naidu — employee harsment

                              company is focus only middle management employees, not to focus on ground level employees, recently company has to push out some recent employees, how did u calculate such a people is not working , you just inquiry about employees, more over u r team depend on what the boss are comments , is only amount in rating matter, it is not correct, even u r hr team is worst , no one asking who are revealing the company. not doest not get feedback and every thing, only think is polishing who are polishing people they only survey in your company , icici bank is very bad, not good, no manners.
                              Dear Naidu,

                              We are from the customer service team at ICICI Bank. Please write to us at [protected]@icicibank.com with your contact details and we will get back to you soon.Kindly refer '2331846' in the subject line.

                              Regards,
                              ICICI Bank Customer Service Team
                              hello i am priyank joshi from dakor (gujarat) branch i joining as a hsl bhanch co-ex and resign on 14 nov 2011 but till i didn't get my re leave letter till 31st of jan 2012.

                              can any one help me my cell no. [protected] and my email id is priyankjoshi.[protected]@gmail.com
                              My cousin works in HDFC residency road srinagar JK and is experiencing lot of humiliation and bad treatment from the Branch Manager and Cluster head. The height is that on the Gazetted Holidays they have to go the the bank without any pending work. My cousin is not so daring to revolt and is so scared of losing job. I am planning to move to the Lobor Commission if my cousin's problem is not resolved.
                              I joined HDFC bank Gillander house ( Kolkata) april 2008 and worked as an assistant manager band 1 in credit card collection, for ONLY 10days, my experience was really very very bad with this bank. My post was given as namesake, i was doing telecalling for platinium card holders, no of cases given to me 30, and the oldies use to pressurise me to get collection within 2 days, whereas customers all had a good intention to pay and they all promise to pay within the due date, since i was new, my manager was on leave her name was Susana, others use to dominate me and this was against my nature. I had a good knowledge of collection, before HDFC i was in ICICI agency's senior team leader was working there 7 years, since that was the agency so i left and joined corporate world. This is where i did grave mistake, people out there has no heart, i stay quite far frm HDFC ( where i joined ), timing was 8.15 to 6.30, but for nothing i had to leave not before 8.30, and for that i use to reach home late night, i had a severe back problem, one Saturday i ask for leave before 5pm, they accept but with condition that i have to come on Sunday since i am leaving early on that day, i was not well so i did'nt turn up on sunday, they called me using all abusive languages. And after that i never look back at HDFC, HR tired to contact me but i changed my number and left the job. NOW after 4 years 5 month bank has sent me a legal notice that i have to pay 12k since left without prior notice .What bank was doing on these 4 yrs 5 months and suddenly send me a legal letter and stating that if not paid within 15days bank will proceed civil and criminal law at my own cost and peril. now my question is AM I ABIDE by banks law, what about my respect, and the humilation i suffered, why bank didnt sent me notice earlier, for what they were waiting for. I lost my job due to all employees, environment is terrible, u have only 15 minutes for lunch, school fellow has much more time than this. During that period of time HDFC was my nightmare i cudnt sleep well for numbers of days, i dont want my money for the days i worked then why HDFC is back of me to take money, IS HDFC nowadays collect money frm the ex employee to need their needs LOL. LAST BUT NOT THE LEAST I DIDNT SIGNED MY APPOINTMENT LETTER, BOTH THE COPY IS VERY MUCH WITH ME, CAN BANK SHOW THAT I ACCEPTED BANKS TERM AND CONDITION ??????????????????
                              I am Pavan Sharma. I have joined HDFC bank as Welcome Desk post on 28th jan. 2012. After joining HDFC Branch Manager Mr. Saurabh Chandra(S10043) tortured and harassed me & ultimately compelled to tender resignation on 18th Aug. 2012.I did not want to give resign, The Branch Manager the tortured are as follows –

                              1- If any customer comes in branch & I approached him, Branch Manager told all the staff not to cop rate me and said to me that go in market & source the accounts. He also did not allow me to open account walking customer in branch. He also told me that he will never confirm me.

                              2- I was compelled by Branch Manager to sit on cash (teller post) seat. This was not my job because I was not trained for that. One day Branch Manager called me that said deposit 2500/- rupees (5*500 notes) which were found to be duplicate but were not shown to me but the amount of rupees 2500/- was deducted from my salary and Branch Manager said me that counting machine is not working properly while the machine is still working.

                              3- On 17th March 2012 when I came back after Swagat Training, Branch Manager warmed me to tender resignation otherwise he would terminate me. On 26th march 2012 he told me that you have been terminated and ordered his guard to kick me out. I imagination on contacted Mr. Priyank Vijay (Cluster Head, jaipur) and he refused about my termination.

                              4- On 4th Aug. 2012 my IAMS - I.D. was not working so I told Branch Manager to help me and approved my ID then he refused & said that the loss of customer will paid by you. So I did the work of customer with help of Aseem Pratap Singh (new Welcome Desk employee) by using his ID because Branch Manager told me to do so. I was unaware of the fact that Branch Manager was trying to catch me to do something wrong knowing Ly.

                              Other HDFC bank staff are regularly doing this password sharing & key sharing also job with the help of other’s ID in knowledge of Branch Manager. But Branch Manager wanted me to quit the branch so he took the advantage of this mistake done by me.
                              On 6th Aug. 2012 this fact was brought to the notice of MR. Priyank Vijay (Cluster Head, Jaipur). Then both compelled me to tender resignation and ultimately an 18th Aug. 2012 Branch Manager himself typed my resignation from my ID and forwarded it to be accepted on 26th Aug. 2012 (CCTV camera Recording checked of 18th Aug. 2012 evening time).

                              These all facts are very important to spoil my career by Branch Manager Mr. Saurabh Chandra. He is in this branch for more then 3 years and harassing other staff members also who are not in a position to complaint against him.
                              This matter should be inquired at high level so that I may get justice and Branch Manager should be punished.
                              my full & final has been done within ten (10) working days, because branch manager help to processed this quickly.

                              I did not received any responce from bank side, Please help me to give justic

                              Thanking You

                              Name – Pavan Sharma
                              Emp.code - P6662
                              Branch - Dholpur rajasthan
                              Branch code - (0989)
                              Mobile no.- [protected]
                              Email ID - sharma.[protected]@rediffmail.com
                              I am the Sales Executive of HDFC BANK, jagadhri branch distt yamuna nagar (haryana)& My employee code is CV 19991. I have joined with HDFC BANK from 5/10/2012 now i want to give the resign from the post but my SM Mr. bawa singh is not accepting my Resign & He is saying that he will demand from organisation to terminate me. It is not fair as per policy. He has also given my salary after 2 months due to this I want to give the resign. and i have not offer letter, and my salary select 16000/ rs par month.and i m reporting mr bawa by the phone.and no attendees register. i am many time call this no [protected] lina mam but no response.honorable Mr.Aditya Puri please take a look at this situation otherwise it will be very dangerous for the coming future.
                              vishal kumar
                              [protected]
                              jagadhri
                              HDFC bank appointed me as a contact employee .i was submitted all the document which was required to hr office . concern person called me to join also i worked 25
                              days after that he told me .he got message form, Sr.
                              they required micro finance experienced person .concern person assure me he will speak to Sr. but yet nothing done after one month still i am waiting just i want to ask to Sr .authority of hdfc bank who will pay to me (Mr.aditya puri )
                              the fact is that i had 5 year work experienced in hdfc bank through services provider company(adfc) .in hdfc bank thousand of off role employee who works for hdfc bank there role is very important .today hdfc got name
                              and fame because of there hard work. these people are working on ground level they face to consumer (loan section )on role employee only supervise them.and snub them. also they are very arrogant towers the adfc hbl employee service provider company..honorable Mr.Aditya Puri please take a look at this situation otherwise it will be very dangerous for the coming future.
                              Worst Bank Ever...Their executives don't know how to talk to their customers... Worst bank with worst policy...Their employees are loafer talking like hell...To hell with you HDFC bank...Guys this bank fools people by offering credit card and once you used to it they start adding charges and charges and when you are unable to pay the amount only for one month their executive call you like you have [censored]d them...

                              No training about how to deal with customer just talking like a S****t who wants money...

                              Worst service...
                              I fully agree to all the comments mentioned earlier on this page,
                              I was a Branch Manager in North Bengal in the District of Jalpaiguri, under Cluster Manager Mr Joydip Ghosh,
                              Where in my Father was diagnosed with Prostrate Cancer, and unfortunatly I was not granted a leave for the same treatment to carry forward,
                              On the other hand Bank HR got me transferred to a near location on compassionate ground, but to my horror My Cluster Manager didnot release me for the transfer,
                              Being the only child I had to Leave the Job, Unfortunately after a span of one Year now they are disagreeing to take me back for any Location,
                              According to Information gathered Mr Joydip Ghosh is giving a negative feedback all the time due to unknown reason
                              Recently opened a joint NRO account with HDFC. My wife the joint account holder has received her account detail whereas I the primary account holder am still waiting for my info. Numerous messages to the bank get the standard non-response...contact customer support. The initial deposit check has been cashed by the bank but still not credited to my account.

                              Needless to say their customer service sucks. I researched a little to find a bank I could rely on to transfer huge amounts of money coming to me soon and thought this was a good bank to rely upon...big mistake. I am now opening an account with Capital One and Citi both, I hope they offer better service than HDFC. I will be closing this account once they finally have my account figured out.

                              Rochester, NY
                              one of the worst things that the bank does is make the life of managers also difficult. we have been asked to force work out of relationship managers and such junior staff. the bank does not believe that junior staff (like us, managers) might actually work much better if treated well and appreciated. extraction of money from customers by selling them false products (first selling it to the staff themselves!) and extraction of max labour from junior staff is visible harassment. what happens to the middle rung is interesting. they just start harassing you and rating you very low after you turn 40 (unless you are ready to promote yourselves into the wolves' gang). you become obsolete since you are no more selling as aggressively as you were at 20.you are asked to resign after one year of torture. This is common. It is so strange that banks like HDFC does not have labour unions.
                              HDFC bank is bad with their employee. They treat me badly . In 9 hours shift bank not gives me break for eat food and rest.
                              They Harrresment To me. I feel it is worse than hell. i want to complaint This bank. They not gives my salaries till date and kicked me off. Now, I am hopless to my life.
                              PLZ dont go to this bank for work . They used as a SLAVE and throw you like waste. That's a they do.
                              i hate HDFC bank.
                              I am an ex-employee of HDFC BANK PVT LTD.I was working with DVU DEPT and CPU DEPT AS "AM"located at andheri-east, chandivali, titanic building.The staff working there were told not to entertain any new joinees ...My first day was terrible as i had no one to talk to me, Even to tell me my dept, and no friends to go for lunch.I was told that i should go for lunch alone everyday an even work.I agree, that we were informed during interview that we might have to work extra hours, and will have to work on sundays also but we were not informed that we will get no compensation off. for working on sundays and no bank holidays.On my third of my job i was given target to complete 1000 forms to be authorised..i did more than that by 5pm, BUT i was make to sit more two hours tilll 7.pm even after completing my target, which menas that we have no target as such we have to sit and work forcefully till 8.pm which is rediculous.We get only 1 holiday in a month and that is one sat off.I personally think that HDFC bank's senior's should have their own responsibility towards employees, becz employees have their own personal life as well.All the senior's are already aware of this situation but no improvement.Even the girls working there are not secured as some of the boys staff are very unprofessional and always tease the female employees making the working enviornment dirty.
                              The worst bank in terms employee satisfaction, and treatment of employees!! Barbaric, inhuman, callous and unprofessional to the core right from the top. The culture is so dirty, the quality of supervisors so pathetic, its torture all the way for anyone worthy of being called a human being. HDFC Bank can have the unique distinction of ruining the careers of thousands of its own employees by not offering them any training and making them work like slaves under supervisors who are just like the nazi death camp supervisors, with no trace of humanity left, always looking for self aggrandisement by misselling and misguiding customers and illtreating junior staff members. If you dont missell, and misguide, you are not fit to work for the bank. The entire top management are a bunch of big losers with such a heavy load of bad karma on them, that it will take millions of births for them to redeem themselves. They are lost in the orgasm of 30% yoy profit-fraud being perpetrated on the public and customers. Just imagine, when the industry is growing at 15-20%, HDFC Bank Ltd makes money out of money at 30%, what a superlative performance!!! What is the customer left with? Nothing, he does not even realise that he has lost his underclothes, as he was being stripped while being massaged with hot lies and promises! And what does the regulator's like Rbi, IRDA and others do; nothing but aid, abett and encourage such corrupt practices in the name of competition and globalization. Its the biggest organised rip-off being conducted with the express consent of the regulators and the government, with the media, both electronic and print completely brought out by the Corporate communications department of the bank. What a shame and what a utter disgrace to this country of a billion people that there is no one to react to this gross injustice in the name of private banking. The whole structure works like an MLM ponzi scheme with the top guys being disproportionately rewarded with stock options and all kinds of fancy inducements while the bottom level employee upto the middle level works in sweat shop like conditions, encouraged by threats and fear psychosis, with negative reinforcement being the only strategy managers know since the top man believes only in "mujhe laddoo khilao, kaise bhi, kidar se bhi lao, mar ke, chori karke, tod-pod karke, lekin zaroor lao, only laddoos dipped in "shuddh profit ghee" for me please". Many a time, memos are the employee's only reward for working nothing less than 12-14 hrs a day, and that too for refusing to mis-sell toxic insurance products to hapless ignorant customers so that the top guy can enjoy his laddoo! Hes made 500 crores of fortune and still nobody gives a damn about him. What a paradox. But its a nice way to make money! Wow what an achievement. The MD goes home at 5 PM and gets a massage while the rest of the employees work their butts off till 12 AM in the night, what a winning formula!! And the MD is lauded by the self serving media for being very employee friendly and professional to the core. If the HDFC HR has an iota of what is called self-respect, they must introspect as to what kind of a monster they have built in the name of an orgnisation. The ultimate profit machine of course, but without a trace of human dignity and decency anywhere! The gestapo and the nazis were far charitable and better off than the HDFC top brass. They have the gall to go to the press every year and trumpet their numbers and the journalists, who listen to them lap their muck like ice cream and does not ask any of the uncomfortable questions that needs to be asked for the sake of humanity. With new hire 1 year attrition at 50%, 2 year old attrition at 100% and overall attrition hovering around 25%, none of the top guys are ever questioned, or even given a reprimand. They are all rewarded with 'stock options' and trips to Banghok. Their collective intelligence is so refined that they are suited only for "pattaya" trips to have their brains "sandwiched" so that they can savour their ill gotten gains with gusto!. What a bunch of sheer "losers". One can go on and on but the only defence in its favour is that the bank is only 18 years old and can only behave like an 18 year old teenager with a rich dad can; spoilt, arrogant, callous, insensitive, disrespectful and downright condescending, to everyone around except dad(HDFC Ltd) and mom(RBI) and ayah (IRDA), wah, what a show!!!
                              In HDFC Bank not any rules followup by HR and others to employee's, in this bank yours reporting manager is only MD of the bank. no any one ready to take pen.
                              H all,

                              Adding to this let me bring this to the notice of Mr Aditya Puri, that not only employees are harassed they are being forced to resign from there services by putting undue work pressure. i am one of the customer of HDFC bank and my own personal banker have being forced to resign, he is such a good employee but no courtesy for such a poor employee . Now he is jobless but as a good customer i have promised him that i will move all my staff members A/c from HDFC bank to that bank where ever he will be joining But for HDFC its a shame i fell petty for HDFC Bank. worst bank i have ever seen in my life .
                              Not only This that fellow did not even received his last month salary. i don't know how this bank is being given license to operate, what our labor department/law is doing.
                              The concerned person if you have shame while sleeping in an AC room please think about these people also who do not have even bread to eat.
                              Thanks and regards
                              respected sir

                              myself request to you we are very sorry to inform you i am a credit card holder my card no [protected] i have some payment dues in the year of 2011 but i paid all the ammount RS92, 000/- the year of august 2012 but till now your bank not clear my cibil scor card & also not issue any new card me. i have running two RD & two saving account in your bank

                              please co operate clear my cibil score & issue me a new card hope from you successful answer.

                              Best Regards
                              prakash pattnayak
                              mob no [protected]
                              mail id [protected]@gmail.com
                              This a & pathetic bank ever I saw in my life especially the collection people are street beggars they talk & pathetic language I suggest Hdfc bank should them give them a little bit training how to talk with the customer as domestic collection staff is came a pathetic background so they don't know English Atleast bank should train them how to talk with the customer if I were in united state I would have sueee this bank against collection people pathetic service
                              It seems that the situations are same everywhere in HDFCbank and top management has closed their eyes. The day is not far when the employees will take up the matter with Labour ministary and MD of the Bank will be repenting after seeing the losses of the bank due to non cooperation by the employees and not seeing the tough life of employees.
                              Same thing is happening in Vashi Sec-17 branch.
                              hi, i would say that the top management of the HDFC bank (the BBHs and above) might not be really against the welfare of their staff as they have recently started the culture of 5:30 closure time for branches, So rather its the some of the immature BMs and a few CHs who are not mature enough handling staff.Now BMs run the branches as if its their Lala shop, as its ok if they reach the branch at 11:00am or sometimes 12pm, as they have some family issues to look after etc etc but if any of their staff comes late when he or she is not well then they are not allowed, their lives would be made miserable by the BM,

                              Now their have been many instances where in the branch manager leaves the branch saying that he is going to his CH/boss for a review, but minutes later he is seen in a mall shopping .this is the kind of BMs that HDFC bank has.

                              If a staff does some mistake while dealing with customer, then the BM has every right to shout at the top of his voice in front of the customer, scolding, humiliating the branch staff for his misdeed.Now may i ask if at one side the management asks the staff to greet every customer with a namaste with folded hands and then the customer sees this behavior from the BMs then its really demeaning for the Management, and the bank as a whole.

                              I would still say that this behavior is not rampant across all branches, as their are some excellent BMs also who treat their employees with utmost respect, and thus they instead of demanding respect, they command respect from the staff. and the staff is more than happy to achieve all the targets set by the BM.this is true to all the bigger branches of delhi region, like suryakiran, ORN etc.So the problem is probably peculiar to the small branches who have Sr.Managers and A.V, P manning these branches

                              So i guess its for the respective BBhs to either ignore these complaints and let the region function as it is, or take some corrective actions, like feedbacks and complaints redressal for the staff of the branches wherein the staff could remain anonymous for the fear of losing his job at the hands of the BM .
                              I am Not mentioning my name in the mail but friends HDFC bank is not a Bad bank for employees but it is the worst bank to work In Rajasthan Circle.The dissatisfaction to work in this area is only because of the lobbying done by certain CHs and Honble Circle Head.The internal Politics betwwen the staff is very High.

                              In hindi you can say that there are lots of Kaan Ke Kacche peoples in HDFC Rajasthan.

                              Mr Puri all the balnce sheets are because of the staffs specially the staffs who had proved their potential and Metal.Not these Bloody CHS and Circle heads if you have still to review then review the staffs who had either resigned or asked to go for various reasons.These staffs are rated 1 or 2 in their past ratings.
                              This is absolutely right, my husband is also working with HDFC bank from the last 3 years, earlier everything was fine but as of now as the new Branch manager comes life becomes hell. He left home in the morning at 8:15 and there is no time of coming back home that can be 10-11-12 in the night, problems didn't end here. The main problem is the pressure with Branch Manager is making on every employee, he is harassing every one for the business and forcing everyone to resign. As a branch manager he himself left the branch at 6:30 - 7:00 daily and give the target to the employee either do it or resign or he will give the quarter rating 5. And one interesting thing about the Branch Manager he himself be demoted and transfer to this branch. This is the case of North Delhi Branch. Hope the senior most authorities will take this thing in mind and take positive action against it. Hopefully in favour of the employees. As HDFC is known for it.
                              Incentive pending from 5 months

                              Dear Sir/Madam,

                              I am HBL employee name Kishor Tare, my id is K09215, working with Mumbai
                              Personal Loans Team, under ZSM Naveed Sir. I have my March months
                              incentive pending. Sir, i have logged 14 files one file is booked under
                              direct by mistake of Data Entry Team due to that i have to lose my 10000
                              incentive. I have logged it in branch only, then why should not i get
                              the incentive.

                              I have dropped several mails from coordinators generic id, but our ASM and ZSM have not replied a single mail.

                              When my Sales Manager discussed with them regarding the incentive then
                              they replied "why your BDR required old incentive while he is getting
                              incentive every month".

                              Month on month they claim their travelling expenses, conveyance, then why should i forget my 10000 incentive.

                              The ASM's and ZSM's are there to grow business and help staff or just to get the salary ??

                              My email id is - [protected]@gmail.com.
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                                V
                                VIVEK SOOD
                                from Mumbai, Maharashtra
                                May 23, 2009
                                Resolved
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                                Resolved

                                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.
                                Aug 14, 2020
                                Complaint marked as Resolved 
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                                  A
                                  arun kumar soni
                                  from Amravati, Maharashtra
                                  May 23, 2009
                                  Resolved
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                                  Resolved

                                  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
                                  Aug 14, 2020
                                  Complaint marked as Resolved 
                                  They have done the same thing to me,

                                  they dont send statements and then ask to pay a heavy charge,

                                  Regards,
                                  Vivek
                                  To
                                  Manager HDFC creit card.

                                  SUB;-Regading removal of name inCIBIL

                                  Respected sir,

                                  I am Arun kumar, I was using credit card no.[protected] I made all due clear and I too receive NOC.when I applied for personnel loan then I was informed that my name is in CIBIL.please remove my name in CIBIL other wise I will knok the door of cutomer forum.I too in mode to go court with the help of lawyer.

                                  NAME:ARUN KUMAR, CONTROL NO.[protected], MOB.[protected]
                                  07497
                                  hi,
                                  iam Harendra Singh Bisht, iam appling the creditcard last 2 week's, but there are no response their side, so what i do ref no [protected]N1.I think, your service is to late, plz tell me the status of credit card. other i[censored] late, i no need to your credit card.
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                                    A
                                    ajay kumar verma
                                    from New Delhi, Delhi
                                    May 23, 2009
                                    Resolved
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                                    Resolved

                                    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]
                                    Aug 14, 2020
                                    Complaint marked as Resolved 
                                    Dear All,




                                    I have left the HDFC PVT ltd (working for HDFC Bank Ltd) in Aug 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 corporate sales salary a/c as senior sales officer Gwalior (MP)



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


                                    Name :- Yogesh Batul
                                    Emp code. CY00547
                                    Location.Gwalior(MP)
                                    Date of joinin. 15/11/08





                                    Regard's

                                    Yogesh Batul
                                    [protected]

                                    HDFC Bank — PF a/c details required

                                    Hi,
                                    I was employed with HDFC Bank Greater Kailash-II Branch as Contract Sales Executive (Employee Id 43748) DOJ 8-AUG-2005. I have not received my PF A/c details till date.
                                    Please provide the PF A/c details.

                                    Hitesh Kumar
                                    Emp Id 43748
                                    Greater Kailash-II
                                    Delhi
                                    hitesh_kmr's reply, Oct 4, 2019
                                    Reply awaited
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                                      H
                                      harish1512
                                      from Delhi, Delhi
                                      May 23, 2009
                                      Resolved
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                                      Resolved

                                      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.
                                      Aug 13, 2020
                                      Complaint marked as Resolved 
                                      i had shares of bank of punjab, they were ought to be changed to hdfc shares but i have not received it. please suggest me what should i do. my mail id is [protected]@yahoo.com
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                                        N
                                        Neeraj Chauhan
                                        from New Delhi, Delhi
                                        May 22, 2009
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                                        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]
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