HDFC Bank Complaints & Reviews

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...

Dear Sir,

I made a Credit Card Settlemet with HDFC. i was request to pay 44, 500. Instead of Paying 964 Rs I Paid 9064 on April 1st. I logged a complaint regarding the same with HDFC Credit Customer Care[protected]. My creidt Card No will be [protected]. I call so many times and but reply from them. My contact no will be[protected].Plz revert to me if you need any clarifications

Regards,

Stephen

Sir,

I Piyush Bhatia joined HBL GLOBAL PVT.LTD as a Sales Executive.on 06th October 2008 and resigned on 17th Feb 2009.My Employee Code is P11098.I didnt get my full and final amount till date please revert the exact date when will i received it.So please tell me the exact date and mode how will i get it

Thanks
Piyush Bhatia
Emp Code : P11098
[protected]

I applied for Pre approved Auto Loan to purchase Alto Lxi, and informed from last 10 days and at last moment while I gone to get delivery from Vipul Motors Faridabad, he denied to give me delivery because he had not recieved any Delivery Order from HDFC in favour of me, and from last two days I am contacting to DSA and SM (from HDFC Gurgaon Branch) they are not responding properly and some times they are not pickingup my phone also. I want the same DO today before 6.30pm if possible then some body do some needful. and I am realy disappointed with this type of behaviour.

I have policy holder of HDFC Bank my policy no. 10948257 and I have depsoited half yearl premium of Rs. 15000.00 through a at PAR chque of State Bank of India bearing no. 8539 dated 06.03.2009 and I have got a receipt from HDFC vide receipt no. "A2405420" from their Alwar Branch. on the basis of receipt I have allpied for exemption in Income Tax and got the exemption from Tax.

Now today ( 01.04.2009) I have received a SMS from HDFC that the said above policy has lapsed without any reason and asking to me call at their toll free no. I had call but I surprised their call center is asking me that my chque has been bounced but why my chque bounced no answar at their call center and again I asked where my bounced cheque but no answer at their custer care center.

Again I asked that I have already get the exempt from Income Tax on the basis of your receipt which I have been taken from your Alwar branch and I have Issued at PAR cheque which is to be clear under TWO Working days now 22 days have been past and who are the responsible for the panelty of Incoem Tax about Rs. 5000.00+Interest + mental tension, but no answar at the custmer service center.

Now finally I humbly request to HDFC Standard Life Insurance, please reimbursed me the above income tax panely wihci I will have to deposit and further please inform me what action taken by the HDFC Standard Life Insurance for such happing do not repeat to another customer.

If HDFC Standard Life Insurance not hear my problem than I will have to go Consumer Court becuase I will not pay any panely of Incoem Tax on the basis of negelgancy of the person of HDFC which is quit clear.


IF Person of HDFC Standard Life Insurance will inform to me in the right time than I can save the above panelty and i will take the proper enquiry.

I hope you will hear my problem and take the same in right sprit.

Regards,


(Umesh Rohilla)

My name is Mridul Sharma and i have been employed with Vodafone Essar Spacetel Ltd, Guwahati, Assam since 12th March 2008. It was on 23rd of March 2009 I had applied for a personal loan with all my documents-proof of id, proof of address, appointment letter, salary slips, bank statements and photograph. My request was logged in with a reference no of 14685653. All verifications were done and on 30th of march i was asked to submit cheques and sign the aggrement papers. While doing so i had asked whether the loan has been approved, i was told that it will be which is why i have been asked to submit the same. I had done the same accordingly. On 31st after calling the executive, i came to know that the loan has been rejected on the grounds of low disposable income. I am an employee of Vodafone and my take home salary in paper is Rs 11762 and i had applied for a loan of 1 lac only. If the authorities were aware that i am not eligible to apply for a loan with such a salary, why have they got the aggrement papers signed by me and picked up the cheques? Is there any communication gap between the employees of that company and how legal is this to be done with a customer? If now they cannot do anything i need a written apology from the company with an explanation on the same. Please help. .

hello,
respected madam,
i'm iqbal singh from Muktsar (punjab), and my emp. code Ci00670, i was working in hdfc bank new grain market, muktsar (pb.), i was joined hdfc bank as a sales executive in 25 april 2008 and my salary account was opened in july 2008 because some problemes in software (fineware, finacal) so my salary was started in aug. 2008 and i also told to my Sales manages and he said to me, i've send email to H.R then they also have not satisfied answer, so please send me my salary of month april, may, june .i'll be very thankfull to you.
thanks

Hi Sir,

I have taken a bike before 1.5 years on loan from HDFC Bank, Vadodara location. I opt for ECS system for Payment in which sometimes they deduct at 6th or sometimes 7th as well as 5th. No perfect date was there for this and even time. In the month Jan, 09 I deposited money on 5th in the morning. However, they allready been produced duduction for installment in my account. I got a call after 5 day, named Manisha, collection excutive and she told you can pay my collection field excutive now, your charges will be removed, no need to pay. However, after this last installment when I asked for NOC they told, I have to pay Rs.550 for late payment.
Rs.550/- is not a big deal for me, but the way they behave and demanding is not professional and forsure I am not gonna pay it.
She said rudely that you have to pay orelse you will not get NOC as well as whatever you do or take any legal help but it's of no mean.
My loan account no is : 12753057

Hi,
This is Uday Gupta K from Bangalore, i have taken my bike on EMI scheme, after the completion of the loan when i asked my RC book bank personnels said its lost & advised me to get a duplicate copy by paying Rs.250/- from RTO.

When i made voice in the bank they said they will get back to me, i contacted the customer care but they are really careless, after a week i got call from bangalore centre about the RC book, the personnel threatened me to not call the customer centre.

I have wasted nearly Rs.1000 on phone calls to the customer care..

The most astonishing thing is that they doesn't have the records of Loan Repayment...

Pls suggest me what to do...

Regards,
K. Uday Gupta
[protected]

Dear Sir,
I am State Gov. Authority, Dept. of Legal Metrology & Consumer Affairs Dept, Surat, Gujarat.
I have received complaint from Shri Namiesh Khambati, Surat. He had purchased Used Car from friend SHRI Dalsukh Surti.
He approached Mr. Pankaj Parmer(DSA), Future Finance Ltd, Surat, to get LOan senctioned for used car loan. Mr. Pankaj Parmer has done Blunder with Complainer
As an gov. authority I wrote letre to HDFC-bank, Surat, bank not responding. I wrote letter to Grievanc cell Bombay, but no response.
My personnal E-mail ID [protected]@yahoo.com
Pl. let me know the next step. wish for sutiable guidance on my E-mail.
Thanking you.
S.D.Tambawala

For the balance due on my credit card as per last statement dated 14th Feb 2009, a cheque payment was released for Rs. 3000 was dropped at HDFC ATM, Koramanagla, Bangalore and it was dropped at the above mentioned ATM on 02nd Mar 2009.

Still I received a call from the customer care for non-payment on 07th Mar 2009. I asked the executive to call me the next day to take down the exact details of the cheque dropped. For next 2 days no calls were received. After that in the next week I gave the cheque details to 3 different executives who called on 3 different days. Now again on 25th March I received another call from another executive for non payment. Even before hearing anything, the executive started raising her voice and yelling on phone. She was just not ready to listen anything from my side. When I asked her name, she said I need not know that. When I asked to speak to somebody senior, she refused first. I also had to raise my voice then and finally I was connected to some Asst Mgr who also refused to reveal his name. This guy instead to again listening to the customer first, started supporting the executive. I kept trying to tell him that in case the cheque is misplaced by you, confirm it to me so that I can cancel that cheque and go ahead and make another payment. But before that I need an aplolgy from that female executive and written apology from HDFC Bank for having no etiquettes to how to speak to the customer. This was flatly refused by the executive and again yelling on the phone started. That’s when I disconnected the phone and told him very clearly that only a senior manager / head of department will have to call me. I am not going to speak to any executive about this. That female executive again called and started yelling on the phone and when an apology was asked, it was bluntly refused. I mean how dare she can speak to a customer like this. This is not acceptable. I have personally got very offended from the behaviour of your executives. I have now gone ahead and cancelled the card and written to their Grievance Cell in Chennai (which I havent received any replies as yet).
I hope the above matter would be taken up at highest priority and serious actions will be taken for the people involved especially the female executive who called and refused to reveal her name too and also had the manners to say SHUT UP to the customer on phone. This kind of service are of a very third grade level. A customer cannot be insulted like this. They should remember that in this kind of competitive market, a behaviour like this will be ridiculed. They should start taking examples from your biggest competitor ICICI Bank. No wonder they are the number 1 private bank in India for many years.

I have got two wheeler loan from HDFC bank, which was my first mistake in my life. I purchased a new vehicle under two wheeler loan from HDFC bank. After purchasing the vehicle my business got down. I was unable to pay the only one premium of Rs. 1973-00 the loan amount on due date. But the HDFC collection centre persons call us more than 20 times in a day. If we pick the phone they will speak with us as they are speaking with a thief. For a business reasons The HDFC bank will provide loan to the peoples with a high interest rates.

They are asking me if you don't able to pay the single payment why did you taken the loan from us. When he called us he told, he is calling from HDFC and used the no 42171044 and 42042753 I don't know whether they are belongs to HDFC Bank or Recovery people...He said his name is Ajay and belongs to Sanjay's Recovery team from Indira Nagar Branch.

They Really Spoke very badly...So I request you all the viewers before getting loan from any bank be ready to go through all the difficulties. And please avoid getting loan from HDFC Bank

My Account # 12800455
Sadashiva Swamy
[protected]