HDFC Bank Complaints & Reviews

Dear team,

I have sent multiple mails to HDFC housing loan customer support team asking them to confirm why they had sent my ECS cheque early . Due to this reason, it bounced and I incurred penalty too. This is despite me making an online payment. There is no response. Pls see mail communications.

[protected] Forwarded message[protected]
From: Venkat Kumaresan <[protected]@gmail.com>
Date: Wed, Apr 1, 2009 at 10:07 AM
Subject: Re: ECS Payment - loan account[protected] Query - Extraordinary Delay in response
To: [protected]@hdfc.com, Accounts Web <[protected]@hdfc.com>


Hi Team,

Good day!

I have not received response to the series of mails below.

As you can see from this statement below, from the HDFC Home loan
online account, I had transferred money towards settlement of my bank
loan online and I had only Rs100, to be remitted online.


Borrower MR. VENKAT K
Co Borrower(s)
Loan Type RESIDENT HOME LOAN-VARIABLE RATE-MONTHLY REST
Loan Amount 2000000 Disbursed Amount 2000000
Current EMI 22108 Current ROI 11.00
Loan Term (Balance) in Months 176 Loan Term (Original) in Months 180
Unposted Transactions 0 Last Installment Date 30-NOV-2023
Amount Payable
Dues Upto 31-MAR-2009 100 Payable As on 30-APR[protected]

Can you pls check why the cheque for the Home loan was sent on 27 Feb
09, compare it with the date on ECS cheque and let me know if the
cheque was supposed to be sent on 27 Feb.

This is becoz I have been fined Rs.200 too, so I want to know the rationale.

Pls respond if you can, else, escalate.

Thanks
venkat


On Thu, Mar 26, 2009 at 1:35 AM, Venkat Kumaresan <[protected]@gmail.com> wrote:
> Hi Team,
>
> Pls respond to mail below. The response time from your team has been pathetic.
>
> Thanks
> Venkat
>
> On Fri, Mar 20, 2009 at 1:09 PM, Venkat Kumaresan <[protected]@gmail.com> wrote:
>> Hi Team,
>>
>> Pls respond to the mail below with details.
>>
>>
>> Thanks
>> Venkat
>>
>> On Mon, Mar 16, 2009 at 4:57 AM, Venkat Kumaresan <[protected]@gmail.com> wrote:
>>> Hi Team,
>>>
>>>
>>> Good day!
>>>
>>> My ATM receipt indicates that the ECS amount for Rs22108, pertaining
>>> to loan account number[protected] was sent for clearance by HDFC on
>>> 27th Feb'09.
>>>
>>> I dont think this is the right date as per my ECS form. Can you pls
>>> check my ECS form and confirm the actual date on which the ECS amount
>>> should have got debited?
>>>
>>> --
>>> Thanks and Warm Regards,
>>> Venkat K

Dear Sir

I have taken a loan from HDFC bank in feb 09 in name of Ram Kanwar vide acccount no 1441662.

In case of first instalment of feb 09 and March 09 thet stated that your ECS has been bounced and demand cash from us with a charges of rs. 450 .


But my account has sufficent balance to clear the ECS of the HDFC bank. but because of their fault they have debited the charges to the tune of rs 450 each for two instalments.

I am ready to pay the instalments in cash, but charges i will not pay. because they are nit levied due to my fault.

I also called on thier call centre to register a complaint, i spoken to to Ms . Kavita, but she refuses to register a complaint and said for this matter there is no complaint system.

Moreover she told me to visit there safdarjung branch .

Ref : Credit Card no [protected]
Sub : Behavior of your employee

Dear Sir,

I would like to inform you that I am holding HDFC credit card no [protected]. On 18.03.2009 madam PRATIBHA (her office no[protected] had sent one person for collecting payment at my residence, As I am facing financial crises I had written letter and kept at home so that the same can be collected by you person, I was suppose to meet PRATIBHA madam within couple of days.
As I was not at home PRATIBHA madam talked to my wife and insisted her for payment, PRATIBHA madam told my wife to arrange fund from my neighbor and told so so so so many things including how is she (my wife) is not aware of credit card, she is also responsible & etc, etc. Now I wanted to know how PRATIBHA madam can talk to family members like this, then pratibha madam called up me, i told her that i will come meet her personally on FRIDAY morning at her office address WILSON HOUSE, LIC BUILDING, ANDHERI(E), MUMBAI on friday, despite of repeated request made by me for meeting her on friday, PRATIBHA madam wanted my wife to give in writing that I will come & see PRATIBHA madam on friday morning, even she asked to send fax for the same. I was shocked to listen attitude of such an established, well reputed, HDFC bank, it was an unbelievable & unforgettable experience for me, when i reached home in the night quarrel took place between me & my wife. We had heated argument,

Sir, I never said that i will not make any payment, I am facing financial difficulties so i just wanted to give her letter requesting hdfc bank to grant me some time period for the payment.

In the month of December-2008 my father was hospitalized, in the first week of February-2009 my daughter was hospitalized, & in the last week of February-2009 even i was hospitalized, i had undergone operation of appendix. ( I had enclosed all medical discharge reports with that letter) In that last year i had incurred huge financial losses in the share market. Right now i am all sorts of trouble. I am under immense pressure & tension.

But PRATIBHA madam should have not behaved like that now i want explanation how can she talk to family member in such a manner. When i have taken credit card then how can pratibha madam ask for the payment from wife & my neighbor?


Pls treat this matter as very urgent & very serious, i dont want you take any action PRATIBHA madam, but this is professional manner,

Pls revert back
Thanks & Regards



Thanks & Regards
(Rajiv. Dayama)



























From Rajiv. Dayama
206, Sonal Apt,
Din Dayal Nagar,
Vasai Road,
Thane-401202
Date :18.03.2009


To,
The Managar
Credit Card Division
Chennai.

Ref : Credit Card no [protected]
Sub : Behavior of your employee

Dear Sir.

This is what i had written to HDFC Bank Ltd the last month & in this month of April 2009 also when I had come & met you even given request letter for settlement your collection person or recovery agent MR. SANDEEP JADHAV (mobile no [protected]) sent his person/ recovery boy Mr RAJ (mobile no [protected]) twice at my residence even after I personally visited your office, situated at III Floor, wilson House, Old nagrdas Road, Andheri (East) Mumbai-400069 I met you Mr Guurav Unival & Mr Sanjay (phone no[protected] I explained all my financial difficulties & family problem and put request for settlement. I was expecting some kind of relief from HDFC bank, which you provided orally that you are going to do something for me but VERY NEXT DAY Mr Sandeep Jadhav sent his boy Mr Raj at my home and forcefully insisted my mother Mrs Lalita B. Dayama (62 years old) to make payment, even my Sanjay had asked her to sell her jewelry, utensils and repay loan taken by me, even asked Mr Raj recovery boy to sit I in my house till I return & to collect amount from society members, since that day my mother is so scared that she is crying continuously she is very much frightened & worried, Then Mr Sanjay called on mobile and spoken very loudly again & again and abused me and threaten me that his boy Mr Raj will sit at my home whole day & will collect money on behalf from the society members. Mr Sanjay finally given me deadline of 25th April, 2009 for making payment of Rs 8000/- if I fail to make payment on 25th April he was warned me that he will use all possible ways to harass me & my family members.
Dear Sir I wanted to draw you valid attention towards the fact that every month I am already making payments of Rs 7580/- against card no [protected] which we have settled and you are already having two post dated cheques dtd[protected] &[protected] for Rs 7580/- each with you.
Dear sir when I am not that kind of customer who do not want to pay then how HDFC BANK LTD can behave like this, when I am giving all kind cooperation to HDFC Bank then how can HDFC bank treat me and my family members like this. Sir now I am very very sorry to say that I helpless & I am under immense pressure and tension. Mr Sandeep Jadhav such an experience top level executive in the reputed organization like HDFC Bank should know how to behave with the senior citizen. What your people collection team, recovery agent has done is beyond tolerance limit; I have left with no other option than to take this issue to consumer protection forum. Reserve Bank of India. Print media & electronic media. You can not threat the customer like this. This is very very serious issue.
Pls revert back within THREE working days from the receipt of this letter/mail.


Thanking You,


(Rajiv. Dayama)

i have a credit card of hdfc bank.i was told that it was a free card. and i haven't used the card ever, not for a single time.but the hdfc people are sending me letters that i have a outstanding and the letter even threatens to initiate legal action against me if i donot make the payments.it is so surprising that i haven't used the card to buy any commodity nor did i ever availed any service through that card . the card was never punched (since it was never used). hdfc is the worst of it's kind. please help me to get rid of this kind of harrasment.

To,
HR DEPARTMENT OF HDFC BANK

SUB :- salary not received
sir here i m giving my information
Name :- MEGHA LOGAD
Employee code :- 57765
Date Of Joining :- 13/12/2007
Date Of Resign :- 14/03/2008

Reply me on my e-mail megha.[protected]@rediffmail.com

I am a Union Bank of India A/c holder. I was tried twice to withdraw Rs.1000 from the HDFC ATM Centre in New BEL Road Bangalore, But in both the machines it said transaction declined and it failed to provide the receipt also. Then I tried in a near by Indian Bank ATM. It was successful and I withdrawn Rs.1000. When I check my account balance in Indian bank ATM I am shocked to know that Rs.1000 was missing from my a/c. I checked in UBI's internet banking and it also shows that I have withdrawn Rs.1000 yesterday. But I withdrawn only Rs.1000 successfully.

I had sent a mail to Union Bank Regarding this.

What should I do?
Will I get my money bank?
Should I have to contact HDFC A/C also or UBI only will do for me?

Thanks

Myself Rakesh yadav S/O Sh.R.P Yadav, resident at C-382, Brij vihar, Ghaziabad(U.P).I am working with NUBER ENGINEERING LTD.sector-64, Noida.I have opened my salary account in HDFC bank, sector-62 branch, noida with Account no.[protected].On27th of August, 2008, Some-one without my knowledge and permission has used the third party transfer facility and withdrawn INR.52, 000.
The account to which the amount was transferred is [protected].The account holder name is Kiran P. Wankhede, 276/1, Opp. Venkatesh Complex, M.T. Road, Bhusawal- 425201. Dist- Jalgaon. Contact # [protected].

I have already given the complaint many times to the branch sector-62 and HDFC bank Mumbai. I have regularly discussed with Mr.Arjun of customer care, Mrs. Vasudha goyal branch manager HDFC bank sector-62, And Mr.Ajay jain Branch Manager of HDFC bank Bhusawal (Mumbai). I have regular visited my branch for last 8 month for this case, but they have not given me any rply, When I have ask about my case from coustomer care they have told ask with branch and when me ask with branch they have told ask with Coustomer care, now at present the bank has told me to register a FIR against this case

This is reference with credit card settlement case with HDFC Bank. I have got settled my credit card for Rs 45000/-...even after paying Rs 48000/-, HDFC Bank people kept sending my balance statement to me and continuously calling me up for their due ( as per them )...while driving, late night early morning calls disuturbed lot, once i met accident due to this...now they have transferred fund from my HDFC saving account approx 12k...even after complaining so many time this not been solved...again calls for outstanding amount etc...now they have transferred my 44k approx from my another HDFC account...no body is hearing ...should i attempt move for sucide ?...if this happens then only HDFC Bank will be responsible...

Dear Sir,
My name is Rakesh Majumder, I applied for a top up personal loan from HDFC Bank on 7th April'09. But in civil section it shows that there is a amount of around Rs.4100 is due on me. As per my Best Knowledge there is no due of any bank or credit cards on me. I have taken a personal loan from the same bank last year Feb'08 & continuing this without any issue; this was just a top up loan applied on that offered by the bank itself. Hence I request you kindly give me the detail of my all account information captured in civil under Control No[protected]. So that I can get clear on this issue. For your information:
My DOB- 4th Jan'1980
Address: 102, Temple Road.
Kunlahalli Gate. Bangalore: 37

Expecting your soonest responce.

Regards
Rakesh Majumder

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