HDFC Bank Complaints & Reviews

To, Date :- 6/4/09
The Manager Grievance
HDFC Bank Card Division
PO Box No.8654
Thiruvanmiyur P.O.
Chennai – 600041

Sub:- Credit Card No. [protected] Dispute

Dear Sir/Madam

Reference of my letter dated 6/2/09 and 16/3/09 regarding dispute of my Credit Card No. [protected]. Today I talked to your customer care with shilpi & priyanka they told me that the case is resolved and finally declared that the payment responsibility is your then I am totally surprise to listen her words. Then I Talked to your executive again and they told me that you have to re-submit the dispute form in our drop box/mail. In this regards I want to say that if I put a complaint to you on same date when the transaction held so why the liability is mine and if it is mine so please provide me the telephone no with address which payment has been made if you will not provide me any detail then I will not pay a single money of that transaction.

And I am launching the complained against the bank and fraudulent person who use my card online. One think I am also write your bank not cooperate with me for find the fraud person who did this job. This is done after my card renewal so it is possible your bank security is not safe and sound so please take necessary action against this case.


Thanks & regards,

Ravi Chauhan
[protected]

CC :- RBI

Copy Encl.:-

Previous Letter dated 16/3/09

When all other banks are reducing the rate of interests, HDFC is moving very slowly. It seems they are not at all interested to reduce ROI. SBI has given a blow to HDFC by reducing its ROI. Existing loan customers of HDFC are thinking and shifting their loan to SBI. Now, HDFC is feeling the real heat. When existing customers approaced HDFC for asking to reduce their ROI, HDFC is asking them to pay 0.5% on the loan amount so they can change...

I got the HDFC Credit card from HDFC bank. there is mention 15000/- credit limit in welcome kit.then after i used 12300/- after 15 to 20 days i swipe the card for 2000/- but it was not accesible.i called the customer care. the told me that your credit limit has been decrease. and they told decrease my credit limit without intimation without sms and without call. so i was insulted by shop owner. infromt of many people so i am launching the complaint against HDFC bank ANDHERI branch .please help me.

Shop name= Mango Shoping Mall
Airoli Sector- 8 navi Mumbai- 400708

Dear Sir,

My credit card is locked since last 45 days, and I'm not able to make any transaction through internet.

I complined so many times, but it seems thery are in deep sleep...?
don;t bother for customer problems.

God will help me to through out this card.

email: [protected]@yahoo.com

This regarding my Car Loan (loan A/C no[protected]. I have request for NOC for CAR transfer from New Delhi to Pune. I have submitted all necessary documents through DTDC Currier on 13 MAR 2009 (Shipment no P[protected] and delivered on 17th Mar 2009. I have done so many follow-up with Customer Care and every time I got the response that the concern department will get back to you with 2 working days. After so many calls and follow-up with customer care of HDFC bank finally I got the response on 24th March from HDFC Bank but they have asked for the copy of RC. 2 Week back I have given the scan copy of RC but Still no response. After that again I have done so many follow-up with them. Even no buddy is picking up my phone.

Please help me in this regards.

I got one no for further communication but No buddy is giving me proper response.

I have a credit card of HDFC bank for which I had made a payment on 22nd of march by cheque, but the executive sent by the bank putted the wrong credit card number on it, than the banks telecaller called me and told me to give them cash payment immedeiatly on 30th march, When I told her that I will give it on 1st of April than she started blackmailing me that I will call your HR departement and ask for payment from them, so I told her to send her executive on 31st with the cheque I issued on 22nd, Next day her executive came without any cheque so, I called that telecaller to say that I will give the payment only when they will return me the cheque, than she told me that it will come to my home in 3 or 4 days, on her assurance I made the payment of RS. 5000 Cash, than on 9th April she again called me & my father for this month payment on that my father told her that it will be given on 17th of April on that she started using abusive language & again started blackmailing that she will call my HR department on 13 th April if payment is not made by then. (All these conversation were quite disturbing for my father and he fell ill on 12th April ), So I want to take some action against that telecaller & bank as it is clearly a case of Mental Harrasment & against the RBI Norms.

So, You Kindly look in to the matter urgently and help me in this regard.

I had a credit card with HDFC bank, for which a settlement was made in agreement with Mr. Tilak ( Bangalore Collections Manager). In spite of me agreeing to his offer, making a payment - he has still not released the settlement letter. This issue is going for more than 2 months now.

This causes a lot of stress on me whenever I get a call from HDFC bank and have to explain then the whole history over and over again.

My experience with HDFC Bank services is exctuciating and painful. If given an option, PLEASE DO NOT OPT FOR THIS BANK.

Regards.

HDFC bank charges more than Rs 110.00 if someone deposit to the money to your HDFC a/c.
They also charge you Rs 112.00 if you wish to get the bank statement from them.
They charge as much as they can..Such a CHEAP Service...

Dear Sir/Madam,
I am Chandraketu Mishra CSE HDFC Bank Ltd. Faizabad Branch. My employee code is CC08983. I am working in HDFC Bank Faizabad branch since Sept. 08.That time my immediate boss was Mr. Ramesh Tiwari as a SM and TL Mr. Abdul Khalid. I had given my all document to Mr. Ramesh Tiwari in Sept.08 at that time he told me ‘your joining date is 1st Sept.08, now you do your work in proper way and sores your current account’. After that I done my work in proper way but after 45 days I asked to Mr. Ramesh Tiwari about my employee code but that time he had not given me right answer. After that, near about 2 month he told me my employee code and after 15 days he had given me my APL. After that I saw my going date APL was 1st Nov. 2008. And in this period I had given many account as well as Nav Durga Iron Store, Singh Building Materials, Shiv Kripa Traders, Navrang Building Materials, Secure Bussiness Marketting etc.
Sir, I did work hard and given good result to your organization but your organization did not given me anything accordingly to my salary. Sir I want to say you that I am working since last seven month but I have not got any salary to till date. When I asked about my salary to my immediate boss Mr Shesh Mani Upadhaya then he do not given me any answer. He said that you do your work and your salary will come soon.
Sir, I am very tensed and frustrated and I am very hopeless about my salary and my life also. I have not taken any decision about my life. Who is responsible for this? I talked to Mr. Satyendra Shishodiya (ASM), Mr. Puneet Varshney (RSM), Mr. Shesh Mani Upadhaya (SM) now decision in your hand. I am waiting for your decision last 10 days and after this I will take any action for this salary matter.
I want to tell you that the same condition is also with Miss Neelam Gupta employee code CN10633 ([protected]). She forwarded her application to you and senior bosses but Mr. Aman Maria (HR), Mr. Puneet Varshney (RSM), Mr. Satyendra Shishodiya (ASM) and Mr Shesh Mani Upadhayay (SM) tortured her to withdraw her application. She was reject it but s being a lady she afraid of this matters and withdraw her application.
Sir, this is a simply violation of your organization. We both are very disturbed with our career. I request you to please release my salary as soon as possible.
Thanking you. Regards:
Chandraketu Mishra(CC08983)
[protected]

I have given my aforementioned mail ID for getting monthly statement from HDFC. I get mails from everywhere on this mail ID. However, since taking the credit card from HDFC, I am not getting the monthly statement in my mail, but I get a SMS saying that my statement has bounced back.

My experience with HDFC has been that in this bank, nothing goes smooth and systematically

To,
The Manager,
Bajaj Auto Finance Co Ltd


Sub: Loan A/c no. 59410

Dear Sir,

We have financed Bajaj Pulsar from your finance company on 21.03.08 for period of 12 months. The vehicle is in the name of Sharjeel Mohd and the co borrower (for the purpose of ECS in bank a/c) is Mr. Zia ur Rehman. The installments have been regularly debited from the saving account of AXIS Bank Y.N Road, Indore branch a documentary evidence to this effect i.e bank statement is enclosed herewith

It is to our great surprise and astonishment that your recovery agent Mr. Rajat Mishra approached the undersigned (Sobia Rehman), who is working in AXIS Bank, Y N Road Branch at the post of Executive and started pressurizing for non-payment of the installments, during the peak hours of the Bank and started yelling as to why the installments are not being regularly paid thereby creating a scene

Further to our agony the latter insulted the undersigned by stating her as an arrogant person & that in case of non payment of installment he shall report the same to the Branch head of AXIS Bank Y N Road Indore Branch for committing default in payment & shall take the custody of vehicle.

When he saw that there is no influence of his illogical yelling, he gave a call to Mr. Ashish Chinchwadkar posted at Zonal Office of AXIS Bank western zone. Mr. Ashish understood the matter that the undersigned is nowhere involved in the said case and Rajat Mishra is unnecessarily creating trouble at the office premises, showing his repulsive attitude and keeping your organization’s reputation at stake.

Upon receiving communication from Mr. Ashish, Rajat Mishra again approached the undersigned and asked for Bank Statement and finally understood that there has been no default in repayment of loan installments. Here again your representative caused inconvenience to Mr. Ashish – Zonal Head


Being in the Banking/ finance sector we also understand the importance of recovery and keeping in view the pressure of yearend at your side, we did not approach Police Station for a complaint of your employee Rajat Mishra towards his misbehavior committed with the undersigned in her office premises.

Today on the 27th March 2009, the borrower Mr. Sharjeel Mohd approached your office situated at Sapna Sangeeta Road, Indore for collecting NOC. Here also your employee Rajat Mishra started dominating the borrower as to why he addressed a complaint letter against him and that he shall be filing a Police complaint for an ennoble cause against the borrower.


It is hereby requested to kindly look into the matter and let us have corrective measures you propose to take on your employee for the above embarrassing incident and also let us know why should we not take a legal action against your company on the grounds mentioned below.

· Why did your employee Rajat Mishra approached at AXIS Bank to meet Ms. Sobia Rehman who is neither the borrower nor the co borrower nor the Bank account holder?

· Without knowing the facts and the circumstances & in his over confidence why did he shouted, insulted and misbehaved with Ms Sobia Rehman at peak hours during working of Bank which resulted in awful situation in front of her?

· Why did he tried to meet the Branch head and gave a call to person sitting at the zonal office when the latter is neither borrower nor co-borrower?

· Why did he shouted and misbehaved with the borrower in a provocative language when NOC was asked for?

· Why should not we approach Consumer Forum and lodge a case against your company for mental trauma and insult in a public place without any default in repayment of loan installments?

· Why should we not lodge a FIR against your employee under appropriate criminal proceedings?

· Why should customer & his family members suffer on account of a lack of communication within your own organization?

· Despite of all the installments paid regularly, why NOC has not yet been furnished to the customer? Why the delay is arising?

Secondly as you know that the entire payment has been cleared through ECS and that the request for NOC has also been put up with your local office, we would like to know as to why your office has excess claimed one instalment through ECS system yesterday.

We would be very much obliged if you can let us know the reason behind all this happenings and what action do you recommed us to take for all this mental tension we are undergoing.



It is once again recommended to go through the case and take corrective measures in view of the reputation of your company


Awaiting your response at the earliest.


Thanking you


Yours truly,


Sobia Rehman
Sharjeel Mohd
Ziaur Rehman


CC: Ombudsman RBI
Bajaj Auto Finance Central Office, Pune
Bajaj Auto Finance Regional Office, Bhopal

Dear Sir,

We have taken hom loan from HDFC Bank-File no[protected] on 30th april/2008.Loan amount was Rs 23 Lacs and it was floating type and interest rate in april was 10.25%.Bank kept on increasing rates at their whims and fancies and it was 11% in March/09.
However I was told by HDFC in March/09 that they have launched a new conversion scheme and if I pay 0.5% of outstanding pricipal sum ie Rs 12097-they will reduce my interest rate to 10.25% by changing the formula of interest calculation which was earlier RPLR Minus [protected]@3.5% to now RPLR Minus spread @4.25%.I was also told that any other reduction in RPLR will be passed on to us immediately.Incidently HDFC bank reduced the rates wef 25th march/2009 by 0.5%.But this benefit is not passedon to us.On enquiring, the bank has confirmed that since I already got the benefit of interest reduction once -next, benefit will be applicable to me after 3 months ie from july onwards.
My humble submission is that this is absolutely illegal as I paid conversion fee to change only one term and condition in march-before next cycle began and also interest rate reduction annoncement was also in March. My discount was increased from 3.5% to 4.25% and it has nothing to do with any thing else and as my loan is floating type-I should get the benefit of 0.5% reduction in interest rates from april and not from july as its being done in case of other customers by HDFC Bank.Its mental torture to poor consumers and you need to intervene/investigate before situation goes out of control.
Please help.
sanjay sood
Plot-D-13, Kartik Kunj appartments, House C-802, sector 44, Noida-UP. Mobile : [protected] and Tel[protected]
Email : [protected]@rediffmail.com

I am a Salary A/c holder(A/C No. [protected] of HDFC Bank, Ashok Nagar Branch, Chennai)

I made a money transaction through ICCI ATM centre, Anna Nagar Branch, using HDFC Debit Card, on 5th April, 2009. I wanted to withdraw Rs. 10000/-.but as the system got stucked, the cash was not dispensed in the ATM but the amount was debited from my account. Then i immediately informed this to the customer care with Ref No. Chn017934 and as HDFC customer care says, I filed a complaint to the nearest HDFC Bank and i also filled the dedit card dispute form with all the details i.e. Anna Nagar Branch,

Its already 3rd day and no queries have been done, But till now I didn’t receive my money back and i wont get any calls or sms from hdfc bank.they are telling with in 24 hrs i will get a call from their concern department but i wont get any calls .

So please do me a favour for the same ...

WAITING FOR YOUR SUPPORT

regards
KulBhushan

I was requiring an urgent finance, so i approached to said bank They required some latest documents to verify, finally all the documents were taken by their representative on 28th Mar-09 & i was told that you will get loan within seven days i.e on the basis of my car loan already successful with the bank. and suddenly on 6th April 09 I received call from bank that your application is rejected. I asked the same person to give me in writing the reason of rejection along with my all documents submitted to you, reply was so embarrassing that they refused to give in Writing.

Dear,

This is to bring to you notice that I Ena Pathak, hold the above mentioned credit card no. and has regularly been payments in the account from past tqwo and a half years, last month ( March '09) because of severe financial crises was unable to transfer funds in by credit card account, the same was communicated to the credit card department much in advance and also was intimated to them that funds would be transfered to the account in the month of April.

I also hold two salary accounts with HDFC bank and While making a transaction i got to know that entire balance of both my accounts were put on hold without ANY intimation, just for not making one months payment and all EMI Cheques hitting my account got bounced, I called up the customer care, collection department ( Rajouri Garden Branch and my account branch ) to solve the same, but Ironicaaly didnot get ANY revert from either of them.

I am completely helpless, Is this the way you treat and Harass your customers who regularly manage their accounts, Till date i dont have even a single check bouncing in my account, but because of you UNETHICAL behaviour i have suffered two Bounce cheque cases in my account which in future would get my account under negative case and would also creat problem in getting any new loan sactioned in the account.

Such kind of behaviour is ideally not expected from a bank which claims itself to be among the top bankers by such unethical and low garde practices.The kind of harrasment, problems and humility i have gone through would be compensated by whom ? I am the ONLY earning member of my family and i have No money to even buy a litre of milk as, this is the Only account i hold which had money of my monthly expense. I am literally goin through deep rite now and ironically none of your divisions are informed about the way to sort this out.

I would have taken the step easily, if i would have been a customer who has refused to pay the banks money and has been a defaulter from quiet some time now, but i guess Jst one month default because of some severe problems doesnt make me get treated the way the bank has acted.

Inspite of having sufficient funds in my account, my account shows negative balance because of bounced cheques . The freeze is done WITHOUT any intimation.

Request you to pls sort the matter out at the earliest, as i have no other contact details to contact regarding this issue, Looking forward for a prompt response at the earliest.


Ena Pathak
[protected]

My self Deepak Singh( web marketing manager) I am using HDFC credit card for 4 years, last month I was out of station, so unable to make payment on time, when I was out of Delhi an executive went to my house for the collection without intimating me, after that I received call from my father regarding that…….. After couple of minutes I received a call from HDFC collection department that our executive is standing out of residence and you make the payment. I told her I am out of station but she start rude behaving me and ill treated me. After 2 days when I come to Delhi I submitted amount in bank.

My view about collection department of HDFC bank ………………….
Bank keep very low profile people in their collection department who don’t know how to talk with customer, without knowing the profile of a person they just start talking rudely without greeting them. There way of talk indicates that they are giving order.
For example... we don’t receive payment from your side, I am sending executive to your address and make payment tomorrow…………………….

My concern is that if I was out of station is there any pressure to make payment on time
If I am ready to make payment for the late fees, why I will receive call from collection department full of bunch of ignorant people regarding making payment.

Very fed up with HDFC collection department in Delhi
Deepak

Respected Sir,
I Deposited a Cheque of rs 10750 /- on 31/03/09 in account no [protected] of HDFC Bank cheque was of of axis bank Nagpur and till date that is 5/04/09 the cheque has not been cleared what am i suposed to do i have issued cheque against the deposited cheque amount if the bank delays the clearing and my cheque bounces who is to blaim

thanking you

[protected]

i have submitted the bank account closure application on 02/04/2009 and also pay the due amount, but when i ask them when you are going to close my account, first day (02/04/2009) they said will do it after lunch, next day they said server is not working, we will doit within a day. but still no reply. and they are not answering my question properly, just try to ignore me.

pls help me how to close my account.SAVING ACCOUNT...

sir
i am a customer of your bank(erstwhile CBOP) and have been banking with you since 2002. Currently, I have bank accounts in your Dabagarden, Visakhapatnam branch.My a/c no. is [protected]. I have always found my banking experience with HDFC to be wonderful. However, there has occurred a few instances recently which has led me to believe that not all your banks follow similar (read that high) standards. I feel bad that I had to resort to writing to the Grievance cell to report such occurrences.

It started with the lost of ATM/ DEBIT card in the mid Jan 09. since then i have been begging your bank several times but they are unable to issue me an ATM card. The bank claims that the ATM had been sent back to chennai as i was not there in station to receive it. i am in navy and i donot know when i need to go to sea bcoz its all decided by the government at delhi.So it may be that i was not in station that time. since i m now posted in mumbai, i visited the following branch on 16 Mar 09 :
Area MMB Fort
Erstwhile Centurion Bank of Punjab
Address Bharat House
Mumbai Samachar Marg
Near BSE, Fort
Mumbai - 400001
Maharashtra
Tel
Fax
ATM YES
Lockers YES
i met Ms Rupali Pallav And Ms. Neena over there in the bank and had discussion about the problem.they asked me to write an application and same time it was handed over for getting my ATM, PIN, AND NET BANKING PIN( For ur information i must tell you that i was using net banking from last few months but ur bank suddenly issued me a new netbanking pin without my request and blocked the previous one which was already in use).I revisited the same branch on 20 Mar and enquired about my request status but both the ladies started fighting among themselves blaming each other for not putting my request on line. the good lady Ms. neena refused to talk to me as if i m a begger. i left the bank and again revisited on 23 Mar 09, i was surprised as Ms Rupali Pallav asked me a fresh application. till todate i dont know where is my atm and how many years your good bank will take to issue me an atm card. i am unable to know even the balance in my account . this has resulted in bouncing of some cheques issued by me but your bank is very quick in debiting 350/- rs the moment cheque bounces( u can see that in my account statement). i am tired and helpless and writing for ur immediate attention please. also i am forwarding this letter in my official capacity to the Managing Director and all directors o[censored]r bank.
i hope my request will be attented on an urgent basis
thank u
regards
BK MISHRA

Dear Sir,
I am Raja Gopal AC holder of Hymayath nagar Branch, Hyderabad, AP. My Card no [protected] and AC No [protected]. wish to bring to your notice that i have made transaction ON 05.04.2009 AT 20.00 hrs. from DCB ATM, Sanjeevareddy Nagar, Hyderabad for withdrawl of Rs. 5000.00...