HDFC Bank Complaints & Reviews

Harassment by the recovery department!
I am a saving salaried A/C holder in your bank under A/C No. [protected], Yesterday when I was an urgent need of money went to your bank, It was shocking that even though my account showed a good amount of balance the required amount still I was not able to withdraw due to unknown reason. When I tried to solve the same to your Bank Customer Care Executive, The reply I got was even horrifying that the total amount which i need to pay is 66000.I got to know about a credit card on my name which I was never aware of and all of sudden my all transactions has been barred.
It is been 5 years i am holding this account and i never recieved any credit card statement for the above said card, even though bank always had my updated mailing address. Even after repeatedly asking for the details of the transaction, there is no response from the bank.
I am highly dissappointed at this level of service. How can bank hold my money on any body’s instruction & without my knowledge.Now I am in great trouble as I am not able to transact nor able to withdraw any amount and I am great need of the cash lying in my salary account .

Please do the needful to solve the same as earliest, Otherwise I may have to take a legal action
Awaiting your affective reply.

Thanks
Yours faithfully,

Dear Sir,

My self GIRISH GANPAT LAL SISODIA i joined HBL GLOBAL PVT LTD.( subsidary company of HDFC BANK LTD.) in 4th july, 2005. as an marketing executive Employee code G01602. i resigned on 31st march2006.and submit my resignation to my Team Manager Mahesh Shah and he promote me to sales officer in HDFC BANKL LTD.Employee code CG00417on 1st April 2006. after that i submit my resignation on 1st of March 2007 to my SALES MANAGER Tuhin Shah Employee code T0333. from the date to till the date i haven't receive my both releaving letter.

pls look out to this matter and help me to get the releaving letter.

Regards.
Girish Sisodia
M:- [protected]

Dear Sir/Madam,

I am K.A. Vijayakumar. I am a SCB a/c holder and have taken a Personal Loan from HDFC Bank, G N Chetty Road, Chennai 600 017 in November, 2008. The tenure of the loan agreement was for 24 months. I began making my payment from the month of December, 2008. I arranged for the ECS facility to have the monthly instalment deducted from my savings account held by SCB.

My first instalment of the loan was due on 07.12.2008. The amount Rs.4873/- by ECS was requested by HDFC on the due date. The amount was refused by SCB with the remark on the statement " ECS RTN MANDATE REQD"

A HDFC executive named Mr. Mazhar came to my residence on 15.12.2008 and collected cash payment for the first instalment due i.e. Rs.4873/-. He issued a receipt and he assured me that the problem was at HDFC and it would be sorted out in a few days. The receipt issued by him was 13846747 dt. 15.12.2008. Along with the payment I also enclosed a letter to regularise my ECS payment.

Following this, I called HDFC in the following week and did not receive any helpful or constructive reply from them. In the meantime the problem was not sorted out and it was made more difficult when my second instalment of the loan was due. Once again the amount to HDFC was returned with the statement "ECS RTN MANDATE" I made cash payment and received a receipt issued by the representative. The receipt no. 14333325 dt. 20.1.2009. A late payment fee was levied, for no fault of mine.

I questioned HDFC for its disastrous second performance and in reply I received a letter from HDFC on January 20, 2009 stating that the problem for the failure for the ECS going through was with SCB and it was not created by HDFC. The letter from HDFC is attached for your consideration. An executive from HDFC visited me on February 4, 2009, informing me that if I made a cash payment earlier, I could avoid a late payment charge. He too gave me assurances that the matter will be set right shortly. I made the cash payment and the receipt no issued is 14888851 dt. 4.2.2009.

Imagine the surprise when I checked a statement from SCB indicating that the monthly instalment of my loan for Rs.4873/- has been processed electronically on 7.2.2009. Now I have made two payments for the month of February 2009, one cash payment and one electronic payment. When I asked HDFC on February 7, 2009 for a refund of the cash payment, I was informed that I will receive the amount in six working days. When I did not receive any amount from HDFC I called once again on 16.2.2009. I was told that within the next two days I will be informed about the position of the situation.

When I called again on 18.2.2009 I was informed that within six working days the amount will be forwarded to me as a cheque or demand draft payment. I was given a complaint reference no.[protected] dt. 18.2.2009. I waited until 24.2.2009 and called HDFC again and was not given any proper reply. The only information given to me was that it is being processed.

I am made to run around and given evasive answers, rude replies and unhelpful suggestions by HDFC. This is most unbecoming of a private bank which professes international standard of operations and is supposedly customer oriented and friendly. They make use of gimmicks to trap customers and leech out their money. At no time has HDFC initiated a call to set right the situation. All calls were made by me.

I am writing this letter to you with the hope that you will be able to solve this problem and help to get back the amount that is due to me and waive the late payment charges that was taken from me.

Thanks & Regards,
K.A. Vijayakumar

Dear Sir / Madam,
With Reference to the HDFC Meritus Scholarship Test - My Daughter B. Farheena Thasneem - Registration Number - [protected]
I regret to bring to your kind attention that the disappointment experience what we had faced now,
1. I have already forwarded Two mails on the connectivity for the IVR Test as we did not get connected at all Every time it says Tray Later.
2.My Daughter has continously tried the number early morning / midnight / holidays but of no use, Not connected to the IVR Test only says "Try Later"
3. We have tried so far 276 times but no use.
4. The problem what we face now is " We have been Charged Rs. 6/- for every attempt we made to the number[protected].
5. We have been charged Rs. 1656 ( 276 * 6 ) One thousand six hundred and fifty Six Rupees for not having connected to the number you have mentioned. We agree that Rs.6 will be charged for taking the IVR test and the test may go also 10 to 15 mints provided there should be connectivity between the two lines.
6. Whereas If the Phone is charged Rs.6 for every attempt and not connected, then how do you expect us to try whether we will get connected to test or we would be just paying Rs. 6 for every attempt.
7. In what way it is Justifyable?? Pls let me know it clearly from your management.
8. I am attaching the detail summary of calls are being charged for the every attempt of your IVR number[protected]. Pls Go though the same and come to conclusion. Pls see the Trailing Mail.
9. How the People will try and deleberately knowing that Rs.6 will be charged for every attempt with out knowing that this call will get connected or not.
10. Now we have decided not to try further this IVR Number as we do not know whether this will get connected and we have to pay Rs. 6 for every attempt and so far we have been already charged Rs.1656 for dialing this number and to hear "Try Later". The Call get cut at 23 seconds.
I would like to get the suitable remedial action from your side and I would like to know what would be your further necessary action to solve my problem.
Based on the above I would initiate the further necessary interest.
Regards,
Basheer Ahamed.
[protected]
________________________________________
________________________________________
Date: Mon, 23 Feb 2009 20:29:41 +0530
From: [protected]@hdfcbank.com
Subject: RE:'HBL=[protected]' RE: Has your child taken the Meritus Scholarship Test yet?
To: [protected]@hotmail.com
Dear Mr. Basheer,

This is in reference to your e-mail dated 19/02/2009.

We thank you for your interest shown in HDFC Bank Meritus Scholarships.

We have noted your feedback. We shall revert back to you within 48 hours.

However we request you to also call the helpline number of your service provider and inform them about the same.

We regret the inconvenience caused to you.

Warm Regards,
Team Meritus
HDFC Bank Ltd.


________________________________________
From: [protected]@hotmail.com
To: [protected]@hdfcbank.net
CC: [protected]@hdfcbank.com
Subject: RE: Has your child taken the Meritus Scholarship Test yet?
Date: Thu, 19 Feb 2009 14:47:18 +0530

Dear Sir,

My Daughter B. Farheena Thasneem - Registration Number : [protected] is continously trying the number for 1st IVR test but unable to get connected at all. Everytime it says try later. Even we tried after 11p.m night also we get the same voice response.

Kindly do some thing or allocate date & time for each candidate atleast for 1st attempt.

Pls do the needful.

Regards,
Basheer.

________________________________________
Date: Wed, 18 Feb 2009 18:28:04 +0530
From: [protected]@hdfcbank.com
Subject: Has your child taken the Meritus Scholarship Test yet?
To: [protected]@hotmail.com

From: [protected]@hotmail.com
To: [protected]@hdfcbank.com
Subject: RE: Meritus Scholarship Registration Confirmation
Date: Tue, 17 Feb 2009 11:28:14 +0530

Dear Sir / Madam,

We have recieved the SMS yesterday for IVR 1sr Round but we could not get the call connected to IVR. It was saying try later only.

May I know till what date I can take up the 1st IVR?

Is it we get 96 hours time for all the 5 attempts from the time of 1st IVR test.?

Is that any books are available to prepare for the exams?

Kindly clarify Pls,

Regards
Farheena.




________________________________________

Date: Mon, 16 Feb 2009 18:21:02 +0530
From: [protected]@hdfcbank.net
Subject: Meritus Scholarship Registration Confirmation
To: [protected]@hotmail.com

HDFC is is resorting to unfair trade practices by making it unviable to switch loan portfolios by increasing penalty on foreclosre rates.

This is by far the worst private sector housing bank based on this single action. Instead of competing fairly on interest rates based on free market economics thet have now resorted to un-ethical practices.

Is there no way for us to stop HDFC bank? Cannot this complaint be taken suo moto by RBI so that this practice of HDFC can be curtailed.

Please take my advice - NEVER DEAL WITH HDFC. Be it their constant hiking of interest rates/EMI on floating rates & not reducing it at the same pace when the rates reduced along with this latest case o[censored]nfair trade practice should be reason enough.

Hi,
I had applied for personal loan and it got rejected becuse of previous dues of 380 Rupees is pending in one of the bnak. But i was not aware of it, i didnt get any communication from concerned bank. please let me know how to find out the bank and whom should i contact in this

kindly provide the solution to find out my credit report



regards.
Janarthanan

+91-[protected]

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 settle the loan amount on due date but I used to pay after 15 days of my 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. 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.

The HDFC bank is also joined in cheating and misleading group with others. during 2006 hdfc bank had debited some amount (Rs.4000) from my sb account without my notice for credit card due. they confirmed me that the amount has been settled and card had been blocked. as a layman i understood that its settled and after 3 years they are sending letter to me by saying that still some due is there and i need to pay. what kind of bank they are....

Dear Sir, i am Saurav Sharma from Jalandhar. i have a QUERY kindly sort it out. i have worked with HDFC BANK from may 2005 to April 2007. firstly when i join Hdfc i Joines under HBL GLOBAL PVT LIMITED(SISTER CONCERN OF HDFC BANK) as a Sales Executive. My employee code in Hbl is S10972. after sometime in the month of April. i am promoted as a SR.Sales Officer and comes on the rolls of Hdfc Bank. then my Employee code is CS02533. FROM BOTH THE COMPANIES I DIDN'T have my provident fund yet. i am applied for two three times but didn't receive anything. kindly look in this matter and solve out my query unless i will take strict action against the organisation. kinly revert me back with an appropriate answer so that i will get my amount.kindly do at earliest as u know its already almost two years now. i am waitng for ur reply. i called on ur numbers but nobody receives the phone.also provide me ur numbers. kindly revert me with appropriate answer. i[censored] want any clarifications or information mycell no [protected]. feel free to mail at my email id. i have mailed this mail already two three times at [protected]@hdfcbank.com but didn't receive any reply .

Thanks & Regards
Saurav Sharma
E.K 163 Shiv Raj Garh Nr. Panj Peer
Jalandhar punjab 144001
[protected], [protected]

Sir,
Sub: Harassment of HDFC Credit cards’ Collection Agent and his friend- Petition- Submitted-regarding.
Ref: 1. My HDFC Credit Card No: [protected]
2. My compliant dated.[protected]
3. RBI letter No:BO(Che)/ack/Misc/2008-09 dt. February 11, 2009 of the Assistant Manager, RBI, Chennai-1
***
With reference to the above, I submit to inform that as I am having HDFC Credit card No: [protected] and filed a civil case No: OS16/2009 due to discrepancies of amount and case is under pending. The above matter is informed to the HDFC Credit card and its collection agency at Trichy. Despite the civil case is under trial the HDFC Bank and its collection agent and unknown person’s torture me in many ways.
Of late, particularly on[protected]Sunday) at 11-30 am two persons intentionally went my native place (My native place is Marudur Village, Kulithatlai Taluk and Karur District) by bike with out numbering plate and it has labeled as “Police”. They threatened my aged father to pay sum of Rs.3, 25, 000/-(Rupees Three Lacks and Twenty Five Thousand Only) to close the HDFC Credit Card arrears and close the account for which trying to tress pass into my father house scolding my aged father in filthy language even scold members of my family and there by causing mantel agony, paid and frustration to me and my family. My aged father socked and asked them to show their Identity card. But they did not show their Identity Card properly. One person among them gave his name as Ganesh and cell No:[protected], the another one did not tell his name. Immediately my father informed to me about this mater and I wanted to clarify the same through this number i.e[protected] one person attended this number he said I am not Ganesan and I did not go to your native place. He only revealed that name of Ganasan is fagged name and Mr. Annandam HDFC Credit Card Collection Agent and his friends have gone to your native after many times insist him to ask to who has came to my native village. I have socked, in the name of HDFC Collection agent and his criminal friends’ tresspassed in to my native village house. This reveals that the HDFC Card and Collection agent are not followed the notifications and guidelines issued by RBI time to time and they neglected all these guide lines deliberately.
In addition to that the Private Banking’s methods of collection like a HDFC Collection agent or any private banks cannot take the Law on his own hand either send his men or his friends to recover the credit card balance unlawful ways. Further, I submit to state that the honorable High court and Supreme Court criticized and condemned the private banks for its alleged arm-twisting tactics for recovery of due from its customer’s i.e “We can not accept the Private Banks recovery agents act as barbarian way of attitudes to recovers its dues from its costumers in this civilzed society”. And also I am herewith enclosing a copy of Press clippings across the country regarding recurring complaints against misbehaviors and torture of Private banking and its Collection agents towards their customers for your kind perusal.
And also I submit to state that one month back I was not issued any Cheque in favour of HDFC Credit Card No: [protected] till date. But I have received a message from HDFC Bank, that is “Payment of Rs.2, 790/- was credited to your card ending 0473 on[protected] Cheque subject to realization. This matter has been brought to the RBI as per reference No: 2 & 3.
The misbehavior with me and my family has crossed un bearable and wounded me severely which affecting my fully potential and causing metal agony which as reflected in my physical health and family wealth and I am affected with full of mental trauma. I apprehend that my future is mutilated and doomed like any thing due to the above stated torture of the HDFC Credit Card and their collection agent and his friend.

Prayer:
Suitable measures may kindly be taken against the HDFC Bank Credit Card and Mr. Anandan, HDFC Bank Collection agent and his criminal friend. And also I request your esteemed office to take necessary steps and issue orders against such as private bankers by unlawful criminal attitudes and to prevent volition against human rights of the consumers.
Yours Faithfully,
Encl: as above
(S. THILAKAR)

Hi,

My name is Loveleen Bansal.

I hold a credit card with ur bank (Card Number:- [protected])
I never made any transaction using this card.

I only made one transaction which is with Globus for Rs 5000 in Mumbai.

I am gtting lots of collectin calls stating that i have not made any payments from past 2 months, i am not making payments as i have not made these transctions.

Collection dept ladies were very rude and using abusive language as they want me to pay.
I told them that i have already written so any complaints as i have not made these transactions..but they are not ready to listen to me.

I have tried expliang them lots and lots of time but no body is ready to help.

I have also called Customer service as wellas written mails to HDFC to raise a dispute in regards to the transaction but no response from their side.

Please look into the matter as you people SHOUT ON YOUR CUSTOMERS AND USE ABSUVIE LANGAUGAE BUT NOT READY TO LISTEN TO YOUR CUSTOMERS.

Please call me on [protected]..i will not pay as i have not made these trasnctions.
Collections ladies told me that they will be issuing notice towards me..

HIGHLY DISAPPOINTED WITH HDFC BANK...people are very rude and don't know how to handle their customers.


Regards
Loveleen

Sir,
I 'm using HDFC credit card. Details given below.

HDFC Master Card
Card # : [protected].

Address : V. Muthukrishnan
No.74-A, Salai Road,
Trichy - 620017

On dated 21.02.09, by way o[censored]sing above credit card, i 've put petrol to my car for Rs.1285/-. Due to some error in merchant's instrument, my card has been swapped 4 or 5 times. But the Merchant's statement shows the debit of only one time.Whereas your end debited transaction shows 5 times. Kindly revert the entry by way of this complaint and oblige.

Hi,

Kindly advise me whether CIBIL is an authorised body to black list anybody just on the basis of a complaint filed by some bank. HDFC Bank has put me in the CIBIL defaulter list because of which I am not eligible to apply for any other bank credit cards. They have wrongly accused me of owing them Rs. 26000/- whereas I have already settled their bills worth Rs.14000/- in May 2007. On top of that, they have withdrawn cash of Rs.26000/- from my salary a/c two years after I have stopped using their Credit Card in 2008. I have filed a case against them in the Consumer Court. But I came to know that they have put me in the defaulters list at CIBIL. Who is CIBIL to decide whether the person is actually a defaulter or not ? Does anybody from CIBIL actually bother to check with the consumer or just believes the bank's story ? I suspect the latter is true. My credibility is being affected by this. Please advise.

Recently, HDFC had reduced home loan rates to 9.75%.On enquiring about my existing home loan rate which is presently at 11.5% and on next cycle be effective 11%(I would still be paying extra interest of 1.25%), I was shocked to know that I would be charged home loan at same rate and this reduction in ROI is only for new customers.
This makes us feel that we have done a mistake taking home loan last year.On enquiring about new rates, i was told that only spread has been reduced and not PLR.As it is we are burdened by falling economy, please dont make us over-burdened by "NOT PASSING THE BENEFIT OF REDUCED ROI" for existing customer like us who have recently availed home loan last year.

I would sincerely request your team to take corrective action & reduce my burden on interest further facilitating better home loan management from my side.This would imbibe faith on HDFC's philosophy that "they also care your existing customers".

Looking forward for a favourable response from your side.

I Deposit approx 65K Cheque for Payemnt of My Citi bank Credit Card in Chandigarh, My HDFC Saving Account Debited next Day morning By HDFC Bank after That Reverse the Amount to my account same day at Own, Finally 2 Days later CitiAlert Recieve the Cheque is Bounced & then i made a Query to Citiphone Officer, They Intimate me the HDFC Cheque Returned due to Signature Difference, Now HDFC Bank is Charging Cheque Bouncing Charge, Citibank...

I'm facing this problem twice with HDFC Bank Collection Centre based at Nelson Manickam Road. The first incident occurred on 2008 when i was deputed to a hospital project establishment in a very remote village of extreme southern part of Tamil Nadu. THe village only has two nationalised banks with ATM operations that too remains inoperative throughout the month. I was there for almost 6 months.I was not even aware of the payment due amount. On the second month a girl started ringing almost for every ten minutes harassing for the payment. She was ready to listen to the facts i was putting in. She started harasssing me that
"she will sent guys to my residence at my nativity for collecting the payments or to make payment. she started giving commands to make the payments thru my friends and asking for their contact numbers so that she will make them pay for it "

The second incident was that occurred very recently that i was not in town and the payment due date was over. so i waited for the next month's bill to arrive to make a payment.

An by Name Kumar who claimed himself a " COLLECTOR " when asked for his designation and employee number, started abusing me for the payment. he started using vernacular slang which prompted me to reiterate back in the same slang. He started calling me early in the morning and threatened for not making the payment.

I'm using the HDFC CREDIT CARD for the past four years and making prompt payments, I had to suffer a such humiliation that they had listed my name in the defaultors list resulting in cancellation of all other banks' credit cards.

Really this BANK is becoming what ICICI BANK & CITIBANK were been in the past before learning their lessons

I was really pissed of with the HDFC Gold Card. Guys, please refrain from going for this card. Really sucks. I bought one laptop for 29, 800 and i paid 20, 000 before the due date. So the remaining amount is 9, 800 and i need to pay interest only for this amount. Instead of this, they took the interest from me for the entire amount. That in fact comes to a whooping 85% interest. Even the most notorious blade company’s don’t go for such interest rates. Finally i had to pay 705/- as interest for just 9900 Rupees for one month. I wish i had taken the same loan from some blade companies and they wouldn’t have charged me more than 250 or max 300. Guys, go for HSBC or some similar banks as they provide reward points for our spending and we can redeem gifts for them. Not like the HDFC type, where they give a gift voucher of some bucks and we won’t get even a handkerchief for that voucher. Anyway i learned a lesson from this even though at the cost of coughing 705 Rupees.

My name is Nitin Anand; I am a customer of HDFC - Home Loans Account No.[protected]. I would like to transfer my loan from HDFC to another bank with lower interest rates. To proceed further i have requested for a foreclosure letter from HDFC. When i went to HDFC they say 3% foreclosure charges will levied on outstanding amount. In addition to that 12.36% Service Tax.

But I called HDFC customer care on 15th Feb 2009; it was told to me that I have to pay only 2% foreclosure charges.

I have also written a mail to HDFC earlier for a closer letter, I have not received any response from HDFC.

Also, they will provide me foreclosure letter in 1 week's time. But when I called in the customer Care they say it will be given to you in 1 day’s time.

I really don’t understand why there is so much of foul play going in HDFC. One person says something and another person says something.

I am really worried, how can I bear a loss of 1% foreclosure Charges, 3% of 34 Lacs is a very huge amount.

CAN ANYBODY HELP ME IN HDFC TO WAIVE OFF THESE EXTRA CHARGES?

I really don’t find any support from HDFC.

DON’T EVER TAKE HOME LOAN from HDFC.

Regards
Nitin Anand
91-[protected]
New Delhi
[protected]@yahoo.com

Sir,
With due respect I'd like to request that I am NIRANJAN SINGH. I was employee of HDFC Bank as CSE (Contract Sales Executive) in Patiala (Punjab.). I joined on 1 march 2006 and worked till 13 aug 2008. Ihave applied before for My P. F. but I did not get any response . My Employee code is 44433.so please Transfer my P. F. in my Hdfc Account.
Detail:-
Name :- Niranjan Singh
Designation:- Cotract Sales Executive
Employee Code:- 44433
City :-Patiala (Punjab)
Salary Account:- [protected]
Thanks
Yours
Niranjan Singh

I visited HDFC on 14th Feb 09 & I was told that foreclosure charges are 3% effective today. Then I called customer care on 16th Feb 09, i was told that foreclosure charges are still 2%. When I actually took foreclosure, they charged me 3%. I still dont know what are exectly fore closure charges. HDFC & its customer care telling different rates.
Also HDFC is charging on balance amount + prepayment made in current year instead of only balance amount.