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HDFC Bank Complaints & Reviews

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Updated: Dec 16, 2025
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P
Panneer Pandi Gnanadurai
from Hyderabad, Telangana
Mar 29, 2009
Resolved
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From
Panneer Pandi Gnanadurai
HDFC A/C # [protected], DEHRADUN, UTTARANCHAL
136 Vasanth Vihar Phase 2
Mobile :[protected]
Dehradun 248006
Uttrakhand

To
The Manager
HDFC Bank, Rajpur Road
Dehradun

Subject: Cheque returned due to HDFC failures

I had a requirement to issue a cheque for amount Rs 1000 on 23rd March 2009.I issued it on that day after verifying the followings.
1. Current balance (which is Rs 1156.06)
2. Whether all my previous cheques are enchased (yes, no pending cheques)

I assume above two are the mandatory and possible verifications has to be done by account holder before issuing cheque.

On 28th March, I have received a information that cheque that I have issued for Rs 1000 got returned due to lack of balance in account. After some analysis I have found that HDFC bank reduced amount Rs 220.60 on March 27th as a tax for the cheque cleared on March 14th 2009 (3RD PARTY CASH TXN INC ST & EC 140309).In the same day (28th march 2009) HDFC reduced amount 350 from my account for check returning charge.

All these happened because of HDFC’s delay in reducing Rs 220 from my account. I have the following simple questions

1. If you can charge me for check return WITHIN A DAY, Why did you take more than 12 days to reduce the tax amount from my account?

2. While issuing a cheque, I verified as much as I can, but how can I know about my liabilities to bank?

My observation is, delaying the withdrawal for more than 12 days is not good for the bank. For example If I made my account balance to zero and moved to another city, this will cause loss of Rs 220 to bank. It may look small amount if this happens in larger scale then it will be a disaster.

So, I would like to assert you that HDFC BANK IS RESPONSIBLE for all these miseries happened to me in last week. I have following damages due to your bank

1. Mental pressure
2. Damage in my reputation with my counterpart (to whom I issued a cheque)
3. Loss of Money
4. Loss of Time

I humbly and kindly request you to take a proper damage control and response from your side.

However If I did not get any proper response from your side I would consider about following alternatives
1. Legal proceedings against the bank
2. Inform major Banks about this incident and try to organize negative advertisement against your bank.


Thanking you
Yours Sincerly
Panneer Pandi Gnanadurai
Aug 14, 2020
Complaint marked as Resolved 
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    A
    Ankul Agarwal
    from Mumbai, Maharashtra
    Mar 29, 2009
    Resolved
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    Dear Sirs,

    My HDFC Bank debit card was hotlisted (blocked) without prior information. On enquiring at the customer service I was told that an upgraded card is been issued and it is in transit. So till the time you receive the new card you cannot use your old card.

    I did not receive any sms or email regarding the dispatch of the new card and was caught shocked when I went to an ATM to withdraw money, only to find that my card is blocked. I had to make immediate pwithdrawal but its a sunday and all the braches are closed. I cannot use my own money from my account.

    Can I approach the consumer forum and file a complaint claiming damages?

    Thanks,
    Ankul
    Aug 14, 2020
    Complaint marked as Resolved 
    Dear Sirs,

    My HDFC Bank debit card was hotlisted (blocked) without prior information. On enquiring at the customer service I was told that an upgraded card is been issued and it is in transit. So till the time you receive the new card you cannot use your old card.

    I did not receive any sms or email regarding the dispatch of the new card and was caught shocked when I went to an ATM to withdraw money, only to find that my card is blocked. I had to make immediate withdrawal but its a sunday and all the braches are closed. I cannot use my own money from my account.

    Can I approach the consumer forum and file a complaint claiming damages?

    Thanks,

    Mansi...

    HDFC Bank — blocking of my card without any informtion

    HDFC bank costumer care is not good they don’t understand feeling of customer they don’t want to know that what customer want.

    I request to the head of HDFC bank plz do something thanks.

    HDFC Bank — atm card got blocked without information

    hello sir,
    i have got my salary account with hdfc bank,and i am using a debit card,last week when iam trying for a transaction from atm centre,it was showing that my card is blocked,and next day i got a call from bluedart courier service that u had recieved a new debit card,and it should be dispatched in my mailing address which is in bangalore,but now i got transfered by the company to mangalore,now suggest me how to get my card,and tell me any one good reason,why you send a new card when i didn't applied for it.my ac no is-[protected].
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      H
      hardeep singh
      from Ludhiana, Punjab
      Mar 29, 2009
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      sir,
      I worked as a CSE in HDFC Bank Mandi Gobindgarh (1340 Branch Code) for 3 months. I worked with full dedication and hardwork. It was my first job and had lots of expectation from the job. I was harrased by my boss, he use to abusive language while talking to me. things went worst when I was not given the salary for the first month. This does not end, I was not given salary for next 2 months.. After continues reminedrs to my boss Mr. Deepak Tandon (ASM) and Mr. Amit Dayanand Gupta (RSM), it seems that they didnt bother to help me regarding this problem. After so much of harasment and frustration I decided to quit from the job. Please look into my problem and advice me.

      my post is cse and my code is (CH02351)


      Hardeep Singh
      ph- 91-[protected]
      New Gaushala Road
      street No.8 Ward No. 13
      Mandi Gobindgarh (punjab)
      147301
      Aug 14, 2020
      Complaint marked as Resolved 
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        P
        Pramod Kumar Kamat
        from Delhi, Delhi
        Mar 28, 2009
        Resolved
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        Dear Sir,

        This is to request you to please help me. I can't handle the such kind of pressure as imposed by the HDFC BANK CREDIT CARD COLLECTION department. They are calling me up in the morning and evening from 7.00A.M to 20.00P.M, in facts the collection executive comes to my home on every weekend on and after 21.00PM. Apart from threatening and misbehaving they are asking me to come at the collection office where my issue will resolved on the table but when i reached at specified place, no such person available there. At the specified place, some unknown person comes to me asks to come inside the office where matter will discussed. Instead of issue resolving, that person starting to misbehaving and abusing. This all scenario happened with me at the HDFC BANK CREDIT CARD COLLECTION CENTRE - 5TH FLOOR, ANSAL TOWER, RAJOURI GARDEN, NEW DELHI on 28.03.2009. The names of the TELECALLER are : 1. SEEMA, ANITA, GULSHAN and ANIL.
        Aug 14, 2020
        Complaint marked as Resolved 

        Credit Card — excutive behabiour

        sir, respectfully i beg to state my name is tarun mishra , i recieved a msg in my mobile .
        my credit card has dispatch in blue dard([protected]). that time the blue dart executive has
        come in my home i am not their in home ,i am going to my office .the executive told my wife any id
        proof is complusery to recieved the card then my wife ring in my mobile then i have talk to the ececutive and i have told him that a have comeing home in 10 minute but he says that he cant wait
        it is ok but the behaviour of talking is very bad.no manners of talking,
        BEHAVIOUR OF COLLECTION - CREDIT CARD
        I totally agree that HDFC is not a banker, but a criminal .The Collection people are just criminals whom HDFC bank has offerred Commission on collections. The commission rangesfrom 20% to 80% and whenever collection is made records are not updated .I made full & Final settlement to bank through cheque and now my account is still not settled and callection executives ae calling now and then
        BEHAVIOUR OF COLLECTION - CREDIT CARD
        I totally agree that HDFC is not a bank its a institute of, criminal .The Collection people are just criminals whom HDFC bank has offerred Commission on collections. The commission rangesfrom 20% to 80% and whenever collection is made records are not updated .I am not able to make the payment this month
        but due to some finicial problem . i am not able to made the payment but countinuslly follow with your executive. i have to give them a respect and arrange the payment and made the payment. if your system is not updated so there is not mine fault your executive treed me as a defaulter . this such a redecules and your executives calling morning 9 a.am to till 7 p.m is this the way to collect the money.
        Hi All,

        HDFC is the worst bank ever, they don't care if customer is in hospital. This is the first time I missed my minimum due because I met with an accident and can't able to arrange amount and I was unable to attend the call as well for 3-4 days. I can understand that was very small amount and I can pay easily but still this time somehow I was unable to pay it. They are treating me like I am criminal. Customer care girl is talking like she is "Vasooli Bhai" #####. I arranged the whole amount today and tomorrow I'll pay it. I know it's their job if someone is not paying bills but it was just 1 minimum due and apart from this I have my salary account in HDFC and also a LOAN is there which I am paying monthly without missing any single EMI.

        I am planning to change my salary account next month and I'll close my Credit card as well.

        Above rating is for HDFC bank, its services and HDFC employees
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          M
          manish.pantt
          from Mumbai, Maharashtra
          Mar 28, 2009
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          to hdfc bank
          credit card division
          lucknow

          dear sir
          i have got your gold credit card threeyers back and always made the payment regularly, last month i have gone to your cridit card division for final settelmnt mr vineet is there, mr kabir is looking my case and mr vinod was the man to whom i deliver the post dated cheques .
          we have mutually agreed for the payment rs 36000 in 4 equal instal ment and agaist that i have given rs 9000 as 1 instalment and rest three pdc to mr vinod but when my settlemnt ltter came to me it was in 5 balance instalments whwreevr i have given cheques for bal 3 instalments i have instructed to mr vino that pls bring another letter he promised me to do so but he never come back mr kabir keeps on talking like a sales person that yes you will gwt revise letter soon .
          but now to day i have recd monthly statemt showing all dues and rs 9000 as normal monthly payment whereas i have setteled down the case by giving pdc
          pls look after the case and arrange my settlement letter on the previos conditions other wise ia have make stop payment of the pdc given and file harrasement case because iam getting very panic for the last one month.no one is coperating spl mr kabir.
          thanks and regards
          manish pant
          [protected]
          Aug 13, 2020
          Complaint marked as Resolved 
          SIR,
          WE ARE HOLDING YOUR TERMINAL NO 41012330 OF HDFCBANK, AND I AM SORRY TO INFORM YOU THAT WITHOUT INTIMATION A SUM OF RS. 30000/- HAS BEEN DEDUCTED BY YOU.

          THE COMPLAINT WAS GIVEN YOU IN WRITING ON[protected] ATTACHING ALL THE RELEVENT DOCUMENTS BUT TILL THIS DATE IT HAS NOT BEEN RELEASED.

          THE CUSOMER FROM USA HAD PURCHASED A WOODEN TABLE FROM OUR STORE WORTH RS. 30000 THR CREDIT CARD NO XXX 8454 ON 28 FEB 2009. THE SHIPMENT WAS RELEASED BY HIM AND THE DECLARATION WAS GIVEN TO YOU.

          ALL THE ABOVE FACTS ARE AVAILABLE TO YOUR MANAGER MR KINJUL SHARMA MOB [protected] BUT HE IS NOT CAPABLE TO HANDLE THE MATTER.

          I THEREFORE REQUEST YOU TO REVERSE THE AMOUNT OF RS. 30000 AT THE EARLIEST.
          PLEASE NOTE THAT MY COMPANY HAS GIVEN YOU A BUISNESS OF MASTER /VISA CARD MORE THAN 1.5 CRORES DURING THE YEAR 2008-09. I HAVE STOPPED YOUR EDC MACHINE TILL THE MATTER IS OVER.

          THANKING YOU
          PADMA JEWELS PVT LTD
          PC JAIN DIRECTOR
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            D
            Dipalok Choudhary
            from Chennai, Tamil Nadu
            Mar 27, 2009
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            My father who is a retired personal deposited a Demand Draft for an amount of Rs. 11, 167/- in the Raghunathpur Branch, Kolkata of HDFC in the month of June, 2008. When my father went to enquire about the clearence of the DD, he was told that they have lost the DD and that they are looking for the lost DD. I personally wrote mails to the The Manager of the said branch a number of times, to which i have bee replied to keep patience as they are looking into the matter. Today inspite of 8-9 months getting over nothing positive has come out. I have personally mailed them the acknowledment receipt, but still they have done nothing to conclude the matter. The Manager of the Branch is the most irresponsible and incompetent man. It feel sad that, a bank of such repute is of no good if they put such irresponsible managers to manage the issues. I will request everyone through this write up that be cautious whle dealing with such bank/s and such incompetent managers.

            Dipalok Choudhary
            Mumbai
            Aug 14, 2020
            Complaint marked as Resolved 
            Please make complaint to your nearest regional office of reserve bank of india.
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              J
              Joginder Singh Dhindsa
              from Delhi, Delhi
              Mar 27, 2009
              Resolved
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              I took 1.25lac car loan from the bank of punjab in 2000. I have repaid the entire laon along with interest
              way back in 2004. I have applied for NOC for the same about a month back. But inspite of visiting your bank branch situated in Industrial Area, Chandigarh, I am unable to get the NOC. My loan account No. is 21 L A 00/3762. Please help me in this regard.
              Aug 14, 2020
              Complaint marked as Resolved 
              MY NAME IS SANJAY MISHRA, MY LOAN NO IS 91581448 AND MY EMI IS 1718/00, MY ADDRESS IS 69/3, NEW INDIRA COMPLEX, KHERI ROAD, NAHAR PAR, OLD FARIDABAD
              HARYANA-121002, MY DATE OF BIRTH IS 15/08/1983 . I WANT OF NOC BECUASE MY LOAN IS CLOUSED
              sir my name is pardan singh, having the loan no.-2646134, as UCL, i have deposite all ammount with intrest against my UCL, and applied for the NOC.agency has commited to issue the NOC within 30 days, but still i have not received my NOC.plz just takecare of my request and issue the NOC.
              my address is-
              111, madangiri village, delhi-62
              last payment detail-
              date-18/06/09
              please
              My Car Loan A/c # 2563357 we paid all our instalment my car loan. we also received full & final letter from hdfc bank.
              But now hdfc bank not issue Noc He says first clear my cradit card payment after that they release my noc. how can they do this car loan & credit card both is different division.

              awaiting ur opnion.
              I REMAIN UNABLE TO GET MY NOC DUE TO WRONG ADDRESS

              PLS SEND DUPLICATE N O C OF MY BIKE AT FOLLOWING ADDRESS

              my hdfc bike loan no. 2361860
              my bike no.DL-5S-U-3092,

              RAJ KYMAR S/o LATE NATHU RAM
              ADD-D/456, ST-1, ASHOK NGR
              SHAHDARA
              DELHI-10093
              I took car loan from the bank of punjab I have repaid the entire loan along with interest way back in 2008. I have applied for NOC for the same about a year back. But inspite of visiting your bank branch situated in New Grain Market Muktsar. I am unable to get the NOC. My loan account No. is 2DLA1524213. Please help me in this regard.
              Plz send duplicate N O C of my car at following address

              my hdfc car loan no.1658058
              my car no. HR-12 G 8663



              Harish Kumar S/O Sh. Nand Lal
              Premier Sales
              27, subhash shopping complex
              near appu ghar
              rohtak-124001(haryana)
              ph.no [protected], [protected]
              I Harvinder Kaur, lost my a/c HDFC car loan, but my EMIs are complete, my car no is DL 7C J 2145, date of birth[protected] car Hyndai Getz ) colour white . EMI got over in March 2011, Still waiting for my NOC, kindly do the needful . My mailing address is : House no 348, Dr Mukherjee Nagar, Delhi - 110009, Email : [protected]@gmail.com, Ph:[protected]
              May name is madan mohan pandey L/O L.D. Pandey my three car lone complete month of may 2011 car lone no.
              DL4CND-3411 HDFC Bank 13085513 07.05.2011
              DL4CND-3412 HDFC Bank 1308550 07.05.2011
              DL4CND-3413 HDFC Bank 13085571 07.05.2011

              Please send the noc may office address

              F- 11/12 Triveni Commecial Complex
              sheikh Sarai Phase I
              New Delhi 17

              Thanks & Regards

              Madan Mohan Pandey

              [protected]
              Dear Sir,
              My name is Syed Hameed, & my Loan Agreement is 14806680.Since last one month iam waiting for my car Noc but your people are not responding to my request.I request the higher official to look into the matter & issue the Noc copy.Do the need to us & help me. please please please...

              Thanking You,
              Yours Faithfully.
              Syed hameed.
              Hyderabad.
              [protected]
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                R
                ritu
                from Chennai, Tamil Nadu
                Mar 26, 2009
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                Today (25th March, 2009) I got a collections call from a representative of HDFC Bank (name:Rina), she was authoritative in asking of my february month minimum amount where in got a call 3 days back from another collection executive and told her that i would be paying the amount by end of march month.She accepted for the same and today received a call from the employee named RINA from chennai location[protected], she was demanding money who will pay for me will my boy friend or my husband.But the way she was talking, and they way she was behaving, I really got frustrated and felt irritated, on the top of that why these BANK can't have little educated and decent people to deal the customers. She used abusive words against me and my family members. why HDFC bank calling and torturing customer even when the customer is given time till 28th and there were calls one on 22nd and again on 25th.
                This kind of calls are made at any time of work which is disturbing and time consuming and deviate me from my work. This is definitely affecting my working. The mental torture caused by that call is severe and disturbing me constantly.
                Aug 14, 2020
                Complaint marked as Resolved 
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                  M
                  Mantena Venkata Satyanarayana Raju
                  from Bengaluru, Karnataka
                  Mar 26, 2009
                  Resolved
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                  Dear Sir/Madam,

                  There was a robbery in my house on 16th Sep 2008, I have lost all my belongings along with my credit cards and bank documents, in that lost items even HDFC credit card (number XXXX-XXXX-XXXX-0443 ) and cheque book were also there.
                  After that I have filed a FIR (First Information Report) with Police about my lost belongings along with the details of the HDFC card lost and cheque book.

                  1st issue:
                  I had HDFC savings account with account #[protected] and I had lost my cheque book in the robbery. As soon as I realised I have blocked the entire series of cheque, I have even lodged a complaint went along with Crime branch in HDFC Bank Kalyan nagar branch and collected the forged cheque which is with police. Mistakes from HDFC Bank:
                  1. My signature did not match and Police has a Xerox of the cheque (HDFC Bank Kalyan nagar) collected from them.
                  2. Even if it is self cheque HDFC was supposed to take the ID & signature in font of the teller before he approves it, which did not.
                  For all these mistakes which HDFC bank has done? I am suffering for it. which I have lost around 26, 000 Rs taken from my savings account of forged signatures. Lodged a complaint and nothing happens. Hoping to get teh justice raising teh concern to Consumer form.

                  2nd issue:
                  I had HDFC credit card which have cleared all the balances five years back and I have never used the card for a long time and there were some add on card which were sent which I have not being using it and didn't knew that there was a card too.
                  I regret that HDFC has approved a fake signature of the culprit that he had swiped, I have been getting calls from collection agents and I am very unhappy about the calls that I was getting and giving trouble to my parents with mental harassment. I have asked for all the details of the receipts. They do not send the receipts. I have lodged a complaint against this and submitted all the required proofs (FIR copy, DISPUTE Forms Date : 25th sep 2008) and asking for reverting the charges. They did not do.


                  3rd issue:
                  Without consulting me, HDFC has withdrawn money from my HDFC savings account of the amount which was misused by culprit. Again Here I have lost the money from savings account, due to which there PDC cheques which I have given in 2003 regarding my car loan was bounced and I had to pay for that too.

                  Please help me Sir/Madam at least in getting back the money which I have lost with HDFC. If you need any information, proofs please ask me I will provide. Thanks in advance.

                  Regards,
                  Raju
                  Aug 14, 2020
                  Complaint marked as Resolved 
                  Open teh case with Ombudsman u should get addressed fast by bank
                  i want to check the balance enquiry
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                    M
                    Mahendra Lodhe
                    from Pune, Maharashtra
                    Mar 25, 2009
                    Resolved
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                    Dear,
                    I am holding hdfc gold credit card from last one year. Credit Card Number is [protected]. Due to some financial problem i have not make payment from last two months. I have given promise ki i will make payment on 1st April 2009. I am geting call from collection department of HDFC bank and they are using walgar language at very low level. Executive name is Mr. Aakash and he i calling from [protected]. he is calling again and again and shouting me at very low level.I have make complaint in customer care but i am not getting any feedback, now i am thinking to make police complaint against him by today evening. My past credit card record is very good. Kindly do the needful.

                    Regards
                    Mahendra
                    [protected]
                    Aug 14, 2020
                    Complaint marked as Resolved 
                    Dated: 03.10.2010



                    Sub: Complaint Against HDFC Bank Credit Card Division

                    Reference : HDFC CREDIT CARD NO: [protected].



                    Dear Sir,


                    I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card, my credit limit was Rs.2, 38, 000/- and after that Bank has revised and reduced the Credit Limit from Rs.2, 38, 000/- to Rs.1, 77, 000/-. I have used my Credit Limit and I have already paid Rs.2, 77, 371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.

                    On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.

                    If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that, I have made excess payment against my used amount.

                    Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife, not only that, they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately, otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.

                    Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me, Is it a Reputed Bank ???

                    My Credit Limit was Rs.1, 77, 000/- and I have paid Rs.2, 77, 371/-. If my intention was bad then, why I will make the payment for Rs.2, 77, 371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???

                    Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.

                    Thanks with Regards,

                    Manas Ray Chaudhury
                    Bhopal.

                    NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)

                    [protected]Mr. Sunil, Mr. Dubey [protected])
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                      S
                      Sajal Pal
                      from Vuyyuru, Andhra Pradesh
                      Mar 24, 2009
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                      I am a customer of HDFC home loan and I feel cheated by paying this high interest rate. Every other company is reducing their rate but this company thinks they can do whatever they want. Also they increased the foreclosure charge from 2% to 3% so that you cannot move to other company. Once you have become a customer of HDFC home loan you become a slave of them and will be treated like that as per my experience.
                      Please never ever go to these private banks and HFCs such as HDFC, ICICI, they will suck your blood out...I do suffer by paying 10.5% high interest rate on my 11L housing loan with HDFC...I am going to pay off all the remaining money within another 6 to 8 months...luckily I am on onsite in Japan...They make millions of Indians suffer by charging high...In Japan, the interest rate is just 1.75% to 3% on housing loan...

                      Always go to public sector banks and HFCs, such as LIC, Indian bank, SBI etc...even if it means getting loan with many hassles...it will not make you to suffer in the long run...

                      Please avoid HDFC...

                      My advice, Pay the tax to the government and dont make the stupid choice of taking home loan in order to avoid paying income tax...

                      Paying tax to government is far better than paying the money to these blood suckers...
                      I hope sincerily that these high interest charging blood suckers become bankcrupt one day...I will be the most happiest person to see such developments...
                      Dear Friend,

                      I would like to make you alert on few details regarding HDFC and other limited companies.

                      HDFC LTD is a limited company and is not a banking institute.
                      It is a self regulated financial organization and is not at all regulated as a refinancing institute or is not a Banking institute. Sales officers makes people fool by stating HDFC Home loan as part of banking division. Even interest rates charged by HDFC is very high which is increased in subsequent years.

                      As such rates of interests for home loan are definitely regulated by RBI but limited and private companies do not fall under their per-view. These companies fall under company Act and not under Banking Act.

                      At time of taking loan these companies promises low rates of interest and then increases rates of interest in subsequent years, which increases your burden of repayment in form of slow poison eating your lots of money.

                      I will share my personal experience:

                      I have a very bad experience with HDFC, My loan of 11 lac with tenure was only 20 years and was promised with 3% discounted rates for my loan account as the company with which I was working was a corporate client of HDFC, so my loan started at 7.25% rate of interest and a low EMI of 8595/- Rs only.

                      In later stages HDFC revised rates of interest stating that my loan is on floating rates, where as no discounted rates are applied to my account. More on no reduction in rates are done at all even when rates of interest of other banks and institutes fall down. Even when they offer low interest rates to new customers – on my inquiry they asked for a proceeding fees of almost 12 thousand rupees to revise the rates of interest.
                      My EMI is also revised to 10, 526/- Rs and the tenure is now increased. Today even after paying EMI for more then 6 years my tenure of repayment is more then 18 years and EMI is increased from 8695/- Rs per month to 10526/- Rs per month. So I will end up paying money to HDFC for more then 24 years.

                      So I will end up paying four additional years with new EMI to HDFC which will make me a loss of almost 10-12 lac rupees.

                      HDFC is offering new customer 8.25 rates of interest where as even when I am a old customer with corporate tie up with the company – I am charged almost 11% rates of interest and I am screwed up by paying more EMI.

                      I have started legal proceedings against HDFC – and warn you all that dont take loan from HDFC other wise your people will also end up in soup and will have to pay huge for small things.

                      REQUEST YOU ALL TO TAKE LOANS ONLY FROM BANKING INSTITUTES AND NOT FROM ANY LTD COMPANY--
                      Ask following questions at time of taking loan.

                      1.Is the company having word “Bank” in its name.
                      2.If the company is refinancing company - take in written that – rates of interest in the company will be regulated as per RBI norms.
                      3.Only those people whose files are not getting approved from banks and documents are not clear enough and are in need of loan should opt for such institutes, but mind it these ltd companies slowly increases rates of interest and eats away your lots of money charging high rates of interest.

                      PLEASE NOTE – HDFC is a limited company and not a BANK. Only banking institutes or company with word “Bank” in its name are regulated by RBI.
                      Before signing any document of ltd company please read the terms and conditions completely and take a lawyers advise if needed before going ahead to sign the same.

                      Please disseminate this information to all your friends and relatives so that they are not cheated by any private company in case of loans / home loans.

                      In public interest by:
                      Pankaj Kakani
                      IN CASE OF A FORECLOSURE OF HOME LOAN, BORROWER''S MAIN, PERHAPS THE ONLY, GRIEVANCE VOICED IS SEEN TO BE AGAINST THE ADDITIONAL CHARGE HE IS REQUIRED TO PAY.

                      ACCORDING TO ONE'S UNDERSTANDING, HOWEVER, WHAT IS OPEN TO A MORE SERIOUS OBJECTION IS THE, COLLECTION OF INTEREST AS CALCULATED / INCLUDED IN 'EMI' FIXED ON THE BASIS OF THE FULL 'TERM'' OF THE LOAN AS ORIGINALLY CONTRACTED FOR, ALBEIT IT GETS REPAID PREMATURELY..

                      SHOULD THAT BE SO, THE POINT OF POSER IS;; IS NOT THE INTEREST SO COLLECTED BY ANY LENDING INSTITUTION EXCESSIVE AND INEQUITABLE?

                      vswaminathan

                      .

                      .
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                        V
                        Vandana Pandey
                        from Agra, Uttar Pradesh
                        Mar 24, 2009
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                        Hi,

                        I have a salary account with HDFC bank ltd Sec -18 Noida branch since August'2008 when i joined EXL service. suddenly on 1st March'09 when my salary is credited in my Salary account, i was not able to withdraw my funds late night as i required them due to medical emergencies.
                        Next day when i called up on Cust Care of HDFC, i was told that the funds have been help by Credit card Division due to some reasons. in some time, i get to know that there was Credit card issued in my name somewhere in 2007 on my previous orgnisation, which i have never asked for never signed any documents for issuing a credit card.
                        Credit card no which i was told is [protected]

                        further i was told that card was blocked in april or june 2008, however my new account was opened in August'08.i have been challenging how could a credit card be issued on my name without my prior permission, i should have any confirmation calls or application no. but none at the time of issuance.

                        however, i was told funds were put on hold as the required details were matching with the Credit card.
                        my funds got blocked with out informin about such scenario, my office address & mobile no. was already updated in the new account, through which they could have contacted me, but that didn't happen. infact when i was talking to an Associate in Jankapuri Credit card division on the telephone[protected], i explained all the facts & why should i suffer about this & being ill i required money, i asked them to release the funds & we can still work it out.but the guy Named SURESH started abusing with vulgar words which i fail to mention here & he blamed me as a theif without even listening to me.

                        On visiting Jankpuri branch, the same thing happened no one was ready to listen to me.

                        my debit acrd no. [protected]
                        amount debited without my consent 12702.47 on 16 march'09

                        my appeal to the forum is to help me with my case & guide me through as i dont want to lose my hard erned money due to banks negligence on issuing credit card on my name with out proper verification & rest of the formalities.

                        they have put my account on hold, so as soon as i recieve my salary it would again be held for such reasons.i have tried my best to come to some conclusion, infact i had word with Credit card associate from Mumbai called Shruti. They telling me i have to pay the amount around 70000 Rs for which iam not resonsible.

                        Details are
                        my debit card no. [protected]
                        Credit card - [protected]
                        amount debited with out my consent 12702.47
                        name - Vandana Pandey
                        mobile no. [protected]

                        Thanks,
                        Vandana
                        Mr Roshan Pandey
                        [protected] / [protected]
                        Email : [protected]@gmail.com
                        Ask for :
                        Mauritius + Malaysia + Singapore + Star Crusies + Thailand+
                        Srilanka + GOA 365 DAY + RAILWAY E-TICKET AUTHORISED AGENT
                        www.travelbyrakesh.com
                        Mr Roshan Pandey
                        [protected] / [protected]
                        Email : [protected]@gmail.com
                        Ask for :
                        Mauritius + Malaysia + Singapore + Star Crusies + Thailand+
                        Srilanka + GOA 365 DAY + RAILWAY E-TICKET AUTHORISED AGENT
                        www.travelbyrakesh.com
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                          S
                          sanjay khandelwal
                          from Surat, Gujarat
                          Mar 23, 2009
                          Resolved
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                          Resolved

                          I took a cash on call facility from hdfc bank and I was told on the phone that any point of time if i wish to preclose this loan on card, I need to pay the total o/s along with a preclosure charge of 3% on O/S prncipal amount . i called them on 24/03/09 as I wanted to close pre pay the O/S on this card. I was informed to pay additional charge on the interste which they cloud not be able to charge me because of preclosure.

                          They never sent me any letter of intimation about the change of preclosure charges.
                          Jan 21, 2018
                          Complaint marked as Resolved 
                          Verified Support
                          Dec 21, 2017
                          HDFC Bank Customer Care's response
                          Dear Customer,

                          I request you to share your complete concern, Card No. and registered contact details to [protected]@hdfcbank.com with ref ID- TTU[protected] in the subject line. Will assist you better.

                          -Anay
                          HDFC Bank Customer Assistance

                          HDFC Bank — Pre-closure charges

                          HDFC is charging heft charges for pre closing , and also the rates for the closing charges are increased without any notification.
                          What was the rate of the additional charge that they wanted you to pay? Could you please let me know because even I am planning to pre-close my cash on call loan. I was similarly told that I could close the loan anytime with a 3% preclosure charge.
                          HDFC is the worst bank in handling credit card customers. Please dont go for it.
                          yes..
                          Worst service by hdfc credit card customer service.
                          They keep on calling to give insta loan but if we need to preclose the loan then we have to call their blunder customer care number. We need to reach their executive as complaint then they are saying too may new rules to preclose and the revised charges NOT informed.

                          POOR CUSTOMER CARE SERVICE.
                          in lock down there is customer care executive on call

                          so what is the procedure tp pre closer procedure
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                            U
                            usama akram
                            from Mumbai, Maharashtra
                            Mar 23, 2009
                            Resolved
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                            Dear sir
                            With reference to my car number "DL3CAL 6272" (Hyundai, I-10. ERA) I would like to mention that I registerd claim against my car. After through inspection surveyor of the company approved claim and I got at HMP New Delhi, but still I am unaware that why this company approved one sided damages while complete car is covered under insurance policy.This month my policy is going to be expired but keeping the fraudy practice of HDFC I do not think to renew my policy under this banner.
                            It is requested to please take this matter sincerely and resolve my problem.

                            DR USAMA AKRAM
                            Cell: [protected]
                            Aug 14, 2020
                            Complaint marked as Resolved 
                            You are very sweet till you take the policy.
                            When we require your help you show your real colur.
                            I too have a very bad experience.

                            PLEASE DONT BUY ANY MORE HDFC ERGO INSURANCE
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                              P
                              Probal Banerjee
                              from Kolkata, West Bengal
                              Mar 23, 2009
                              Resolved
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                              Sir/Madam,
                              I have a HDFC Credit Card(No.[protected]) limit of Rs.125000. But they had wrongly debited from my account of Rs.42266 through many items. Most of which was for internet flight bookings. Which i Had not Made. I have only the account with makemytrip.com. But the first wrong transaction was of a Butique for Rs.20700. Which also I had not make. After getting the next bill I complant in the Bank's customer service and the told they will look over the matter, but they had not done anything till yet.Afterwards when I got those internet booking charges, I informed them and they told the same and did nothing.
                              After few months when I saw that they did not done anything, I stop paying the bills.Then they called me on 09/02/09 and i told them why I am not paying. at that day they marked those items and told me to give them a written complant. So i did it on 13/02/09 and send them via post.
                              After few days a person named Avijit Banerjee from Kolkata Dalhouse office starter calling me and started threaten me for paying.When I told him that I will not pay untill I get any written letter from HDFC head office about what they have done of my complant, He started disturb me and irritate me for payment. He told me to pay the minimun balance of Rs.3760. i paid Rs.4000 when he assured me that the bank will send me a written letter within one month of time.
                              But on 16/03/09 again i got a call from a girl from HDFC Bank for immidiate payment. When i told that I will not pay untill i get a written calculations about my complant balances she told me that they had not reaceve any complant and suggest me to fax the complant again.So I did it on 18/03/09.
                              Yesterday I got the payment bill for this month stating immidiate payment.
                              So sir/madam please do something and suggest me for the next step.

                              Probal Banerjee
                              400/8 Radha Housing
                              Daspara, Mukundapur
                              Kolkata-700152
                              Cell-[protected]
                              Aug 14, 2020
                              Complaint marked as Resolved 

                              HDFC Credit Card — excess billing of more than Rs 40000

                              Sir/Madam,
                              I HDFC Credit Card limit of Rs.125000. But they had wrongly debited from my account of Rs.42266 through many items. Most of which was for internet flight bookings. Which i Had not Made. I have only the account with makemytrip.com. But the first wrong transaction was of a Butique for Rs.20700. Which also I had not make. After getting the next bill I complant in the Bank's customer service and the told they will look over the matter, but they had not done anything till yet.Afterwards when I got those internet booking charges, I informed them and they told the same and did nothing.
                              After few months when I saw that they did not done anything, I stop paying the bills.Then they called me on 09/02/09 and i told them why I am not paying. at that day they marked those items and told me to give them a written complant. So i did it on 13/02/09 and send them via post.
                              After few days a person named Avijit Banerjee from Kolkata Dalhouse office starter calling me and started threaten me for paying.When I told him that I will not pay untill I get any written letter from HDFC head office about what they have done of my complant, He started disturb me and irritate me for payment. He told me to pay the minimun balance of Rs.3760. i paid Rs.4000 when he assured me that the bank will send me a written letter within one month of time.
                              But on 16/03/09 again i got a call from a girl from HDFC Bank for immidiate payment. When i told that I will not pay untill i get a written calculations about my complant balances she told me that they had not reaceve any complant and suggest me to fax the complant again.So I did it on 18/03/09.
                              Yesterday I got the payment bill for this month stating immidiate payment.
                              So sir/madam please do something and suggest me for the next step.

                              Probal Banerjee
                              400/8 Radha Housing
                              Daspara, Mukundapur
                              Kolkata-700152
                              Cell-[protected]
                              I do agree with this. Iam also HDFC BANK credit card holder. My card No. is [protected] limit of Rs.30, 000/- .From bank mistake is happened i.e; wrong statement is generated from their end on 07/08/08 and mentioned merchandiser is Sai Tirumala car décor – Hyderabad for Rs.16, 500/-. Firstly I did not authorized any one to use my card..

                              customer care department people every time used to call me and informed many time when I did transaction for more than 10, 000/- but except for this transaction no information. When ever iam following, regarding this transaction no proper response was given to me. I went personally and given card dispute form in credit card department - Hyd. Kindly give me some suggestions to whom i need to meet to solve this problem.

                              Regards,

                              K.PARVATHI
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                                A
                                abdul kaiyum
                                from Patna, Bihar
                                Mar 21, 2009
                                Resolved
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                                Hello sir,
                                I purchased bike of bajaj discover 125cc in 2007 financed by HDFC Bank ltd. I repaid all instalement at time but due to the bank mistake they recieved it late and they charged penalty for this late.Still they didnot do it noc many times we have gone in their head office but no solution.Sir I am sending bank address-HDFC Bank ltd Palwal-121102 haryana.Sir I request to you to solve our problem.

                                thankyou
                                abdul kaiyum
                                vpo teekri brahaman teh. palwal distt.palwal haryana
                                mo.[protected]
                                Aug 14, 2020
                                Complaint marked as Resolved 
                                i am totally agree with complaint board
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                                  N
                                  nishantsakpal
                                  from Mumbai, Maharashtra
                                  Mar 21, 2009
                                  Resolved
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                                  Resolved

                                  HDFC credit card salesman approched me on phone and offered free credit
                                  card.
                                  Intial card limit was approx 30000 which was later extended to 60000 due
                                  to regular transactions and repayment on card account.

                                  Recently card had reached the outstanding balance to 60000 and I have duly
                                  paid 40000 out of it after confirmation with call centre executive as I
                                  dont receive any statements in time at home and they charge monthly
                                  interest on this amount which is above 2000 and late fee of 500. I have
                                  asked them to produce Proof of Delivery for the statements delivered,
                                  which bank is not ready produce. As per banks record this outstanding
                                  amont has reached to 32200 now i am being forced to pay this through
                                  extortion calls made by Banks executive Mr Raj from telephone number
                                  30966383 wherein he shouted at me and threatened to send guy in my office
                                  to see me. i am ready to Pay for the remaining 20000 as per the card limit
                                  but he is saying " Agar tuze saste mein settle karna hai to office
                                  aaja, bankers milke tuze dekhenge" else pay the full amount. i have
                                  told him that since I remain busy, i will send my representative or dad
                                  with payment cheque, you can collect the cheque and release the settlement
                                  letter to him. but he denied and insisting on me to come. It appears that
                                  he do not want to receive payment but to get physical with me for
                                  recovering the excess interest amount. I have clearly told him that if you
                                  feel what I am doing is incorrect, you may file a lawsuit against me in
                                  court of law and we will accept the decision of the court. But he said
                                  " tuze court mein jaane ke liye paise hai but muze nahi de sakta kya
                                  and not ready to follow the ethical business practice for the collection
                                  of lawsuit. He has also threatened me that I will come to your office and
                                  speak to your bosses and every one there to make sure that you loose job.


                                  I request Consumer court to help me in the fair settlement of the
                                  account.
                                  Consequences : Physical losses -

                                  Risk of getting physically assaulted by Mr Raj / HDFC representative or
                                  third party non bank collection staff so that bank cannot be held
                                  responcible for their misbehaviour at home and office.

                                  Loss of life for me and to my family at residence.


                                  Economic Losses -

                                  Loss of property or valuable which he said he will pick up from home if I
                                  dont give him money he demand.

                                  Loss of Employment which may also lead to physical loss of death due to no
                                  income at home or I might commit suicide due to mental stress put by HDFC
                                  Bank and any incidental loss to family and old parents due to no income.
                                  Aug 13, 2020
                                  Complaint marked as Resolved 
                                  Hi nishantsakpal,

                                  Dont lose hope. All you can do is simply write an email to the "PriorityRedressal.[protected]@hdfcbank.com " team and copy the local newspapers. You will see changes soon..
                                  I've had a similar issue and escalating this would be a proper way to approach things.
                                  Take care and remember that your life is more important than these 'off the record recovery goons.'

                                  Thank you,
                                  Regards,

                                  A Dighe.
                                  London
                                  United Kingdom.
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                                    R
                                    Rajneesh Kumar
                                    from Mohali, Punjab
                                    Mar 21, 2009
                                    Resolved
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                                    Dear Sir,

                                    I am a Credit Card holder of HDFC Bank, from side there is some delay in dues from last month, instead of that I had made a call to customer care and told him I will try to pay dues in this month but in any case I am not able to pay in this month then I will pay more than 50% amount of payment of my card before 10 April, but after that I am getting the call from HDFC Bank Branch Rajouri Garden, New Delhi. The name of lady which she is telling me is Namrata calling me again and again after clearing the all matter in front of her, the Phone numbers which she is using are[protected], 45698800, 45036600. When I had told her I will clear my dues before that such date, and you can check the updates of your customer care, but she is not ready to do this and she denying everything and starts again arguments with me. Even I had wrote a mail to HDFC Bank customer care also regarding this matter. Plaese help me if you can, I am not a fraud customer of my bank, but there is some problem thats by its happened with me. I will pay all the payment and finish this account with in two months.

                                    Thanks and Regards,
                                    Rajneesh Kumar
                                    [protected]
                                    Aug 14, 2020
                                    Complaint marked as Resolved 

                                    HDFC BANKS — FORCED VOICE & USING ABUSE

                                    AFTER BELOW COMPLAINT, BOTH BALRAM & HARDEEP USINIG FORCED VOICE & REFUSE FROM COMMITMENT FROM[protected], 43145200

                                    Sir.,

                                    I have saving account and credit card account in HDFC bank , due to overdue in credit card payment and adjust some amount with saving account, but after adjustment of rs3300 , my saving account still barred for withdrawal and executor (balram--[protected], new delhi ) of hdfc is not responding & not picking any call from my side or mail also after this activitity.

                                    Pls Help me out
                                    Regards
                                    Devinder Singh
                                    [protected]
                                    I owe a Credit Card of HDFC Bank since 2006, there are some delays in payments becoz i am also not getting my payments but i want to repay the amount. I talked to the customer care and asked them to stop my card and take the whole amount in instalments but they said it is not possible. i am still paying them but for the last 2 months the situation has become more worse and i am getting out of money. now these people are harrassing my parents to pay which is not possible. I am getting the call from HDFC Bank Branch Rajouri Garden, New Delhi. The name of person is Radhey and he is calling and my parents again and again and harrasing using abusing language. The Phone numbers which he is using are[protected], 66219061, 66219001, 43145300. Now i have asked for Settlement but they are refusing. I am frustrated of this type of customer care and banking so i am interested in to stop the card and settlement. I have already complained in the Customer care for the same but the person Radhey is still using foul language.


                                    What to do??????????????????
                                    SHOCKED WITH THE STAFF OF HDFC BANK.

                                    I have been using services of HDFC since past 7years, got all my
                                    accounts rated as premium accounts.
                                    was very happy, and used to recommend it to others too.

                                    Loans, Creditcards all were from HDFC.

                                    Its just recently (beginning of 2011), due to some unavoidable
                                    circumstances (everyone once faces in life) creditcard payments
                                    started getting delayed... and I started getting calls from the
                                    collection agency, and to my surprise, it appears that all the
                                    saddists of the world are working there.

                                    Such abusive language, not ready to listen and non cooperative staff.
                                    They got talent to really put people to stress, using unofficial
                                    language, threats, and beyond imagination...

                                    I get around 100-150 calls a day from the below mentioned numbers

                                    [protected]
                                    [protected]
                                    [protected]
                                    [protected]
                                    [protected]
                                    [protected]

                                    appears to me Rajouri Garden Branch, New Delhi.

                                    Female called, Rakhi has been misbehaving beyond imagination.

                                    I tried attaching the video of call history, and her recorded voice
                                    but heavy files.

                                    I ve been asking her to make me talk to her senior, she abuses, and
                                    says... "jis marzi se baat karlo, paise toh main nikalwakar hi
                                    rahungi"
                                    "agar paise nahi hai dene ke liye, toh apni property baech do, bheek maanglo"
                                    etc etc etc

                                    Sir, if my intentions were wrong and of not giving my dues, I wouldnt
                                    have wasted money giving minimum payment since past few months...

                                    I would like you to look into this matter very very seriously, and
                                    want apologizes from Rakhi.

                                    Now I have told her, let the issue aggravate, am not making a single
                                    payment now... Sir, everyone, including you comes from a culture and
                                    family where this kind of misbehavior is not atall
                                    acceptable.

                                    She also, got hold of my mothers number, and called her and started
                                    abusing... this also leads to disclosure of the personal information
                                    of the customer to third party. (punishable offence).
                                    Not listening, and calling again and again ... leading to
                                    Harrasment... Punishable offence.
                                    Invading personal space of an individual ... Punishable offence.
                                    Giving threats ... Punishable offence..

                                    I know, there is some fault from my side too, of not clearing dues on
                                    time, but Sir, its only past few months, that doesnt mean, am a
                                    defaulter and has wrong intentions(as blamed by your staff).

                                    Sir, I would want to take this matter to higher authorities and take
                                    serious action against Rakhi.

                                    One more day of calls, I ll have to publish the videos, recording to
                                    media and Police.

                                    Also, not only this what she does is, Makes stories to her team about
                                    me, and filling in false updates.
                                    keeps calling on my phone, and when I pick up, she shouts and doesnt
                                    listen, so I just keep the phone aside(connected on call) and so does
                                    she, phone is kept idle like this for 30 - 60minutes.
                                    If you check the call log of above mentioned numbers, you ll see for yourself.


                                    Again, My request for serious action.

                                    Siddharth Gupta
                                    [protected]
                                    [protected]@gmail.com


                                    CC: Shri M Rajeshwara Rao
                                    C/o Reserve Bank of India,
                                    Sansad Marg,
                                    New Delhi - 110001
                                    [protected]@rbi.org.in
                                    HDFC is the worst Bank if the amount is overdue. They even go to the extent o[censored]sing foul language and instigate you to say bad words. How long would you listen to their bakwaas? At one time you will be forced to reply in their language. Then they record it. The best way to handle this - i have learnt from experience - is to change your number and then go directly to the credit card cell or write to them - directly or thru your lawyer. i am getting threatening calls at all hours. even at night after 11.30 pm. Useless bank and staff. Payment issues can arise with anyone at any point.

                                    My advise .. don't use credit cards at all. This the only way all Banks will learn to behave.
                                    Hello,
                                    I recently took a new number from vodafone which was previously used by someone called Anoop Das.

                                    Now I am getting calls from someone whose name I didnt bother to ask because he is very disrespectful in the manner which he talks. And please employ people who know how to talk.
                                    Ill enlist some numbers i get calls from...

                                    I trust you will look into this matter and get this resolved.

                                    [protected]
                                    [protected]
                                    [protected]
                                    [protected]
                                    i am using HDFC card and this month couldnt pay because of health issues.i am also receiving calls girl name is malti and her behaviors is so bad.
                                    The no is
                                    [protected]
                                    [protected]
                                    [protected]
                                    [protected]
                                    [protected]
                                    i have revived more than 100 calls from the morning . The girl is so bad using bad abuses language like payment nai karna tha to card ku liya.bank main jake cash deposit karo online kyun payment karoge usmain to 3 din lag jayenge. even the head of the team is same .i have never expected a behaviour from the bank like HDFC . i dont know it is collection department or bank .but whoever appointed them should think about reputation of the bank. they dont have manners to talk to customers.

                                    really very depressing.

                                    from Vandana
                                    [protected]@gmail.com
                                    I have been using HDFC card I was regularly paying the dues every month but for few months I am jobless and not be able to pay this month. I am receiving regular calls from HDFC for the payment. But I am helpless I am not been able to pay now they are started threatening me. I have a threatening call form 66219091, 43145200.
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                                      A
                                      Atul Hari Mohan Kichlu
                                      from Delhi, Delhi
                                      Mar 21, 2009
                                      Resolved
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                                      Resolved

                                      Dear sir

                                      I have applied for car loan from ICICI bank from them I recieved a CIBIL report giving details of OS as under

                                      Accounts -7, Advance - Rs.2931948.00, Balance - Rs. 345020.00 as on[protected]
                                      Account - 1 Balance - Rs. 8400.00 as on[protected]

                                      I am surprized to note which OS are these beacuse I don't have any such dues in my records. I would request you to give me specific details of complains given be institutions so that I can take actions on them.

                                      This information has also affected my reputation and credit which led to mental and social harresment, more over address given in this are also not correct.

                                      Please clarify and respond immediately.

                                      Regards.

                                      Atul Kichlu
                                      Aug 14, 2020
                                      Complaint marked as Resolved 
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                                        M
                                        MAHENDRA KUMAR GUPTA
                                        from Delhi, Delhi
                                        Mar 20, 2009
                                        Resolved
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                                        I HAVE TAKEN PERSONAL LOAN IN AUGUST 2007 FROM CENTURIAN BANK LIMITED SUBSEQUENTELY MERGED WITH HDFC BANK LIMITED AND MY ACCOUNT IS REGULARLY DEBITED BY MY BANK FOR INSTALMENT THROUGH ECS OF RS.11775/=. BUT IN AUGUST 2008 I RECEIVED CALL FROM HAFC BANK TOWARDS BOUNCE OF MY ECS FOR JULY 2008 AND DEMAND CHEQUE AGAINST ECS BUT ON CHECKING THE BANK STATEMENT I FOUND THAT NO ECS PRESENT IN MY ACCOUNT IN THE MONTH OF JULY.LATER AROUND 20TH AUGUST I RECEIVED FURTHER CALL THAT PLEASE MAKE BALANCE IN YOUR ACCOUNT SO THAT ECS FOR JULY CAN BE CLEARED. THERE WERE ENOUGH BALANCE IN MY BANK ACCOUNT EVERYTIME FOR CLEARANCE ECS & THE SAME IS CLEARED. AGAIN IN SEPTEMBER I HAVE RECEIVED CALL FROM BANK THAT YOUR ECS BOUNCED & DEMANDED CHEQUE & AGAIN THERE WAS SUFFICIENT BALANCE IN MY ACCOUNT AND ON REFUSAL FOR ISSUE CHEQUE THEY PRESENTED ECS ON[protected] AND THE SAME CLEARED. THIS PROCESS IN STILL CONTINUING AND THE BANK STAFF IN HARRASHING ME CONSTANTLY. TODAY TWO PEOPLE CAME TO MY OFFICE AND DEMANDED CHEQUE FOR MARCH, 2009 ECS WITHOUT PRESENTING THE SAME AND TO BUY PEACE OF MIND I HAVE BEEN COMPELLED TO ISSUED CHEQUE TO AVOID HARRASHMENT. ACTUALLY THEY THREATING ME AND I FOUND THAT THE WOLE EXCERCISE IS DONE BY STAFF TO TEKE THE INCENTIVE FROM THE BY COLLECTING THE CHEQUE INSTEAD OF PRESENTING THE ECS.

                                        IT IS URGED TO YOU THAT PLEASE LOOK INTO THE MATTER AND IF THE HDFC BANK DOES NOT WANT TO PRODUCE THE ECS THEN TAKE THE PDC OTHERWISE THE HDFC BANK WILL BE TOTALLY RESPONSIBLE FOR ANY MISHAPPENING HAPPEND WITH ME BY THE STAFF OF HDFC BANK AS THEY ARE ALSO COMING AT MY HOME.


                                        THANKS & REGARDS

                                        MAHENDRA KUMAR GUPTA
                                        Aug 14, 2020
                                        Complaint marked as Resolved 
                                        mr ,

                                        why are you posting your bank a/c number in public forum? go and complain to hdfcbank or RBI dont give ur a/c to anyone..
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