HDFC Bank Complaints & Reviews

Dear Sir or Madam,

I am a customer of your bank and have been banking with you since 2004. Currently, I have bank accounts in your New Alipore (Kolkata) and Behala (Kolkata) branches. I have always found my banking experience with HDFC to be wonderful. However, there has occurred a few instances recently which has led me to believing that not all your banks follow similar (read that high) standards. I feel bad that I had to resort to writing to the Grievance cell to report such occurrences.

It started with the opening of Behala branch a few months back. Since I live in Behala, I chose to open an account with the branch too. I visited the branch along with my wife when it was still under final touches of its construction and service was yet to start. I found your sales executives there who assisted me in filling out the application form for opening an account in Behala. I also enquired about locker facilities and submitted an application letter to obtain one.

The branch opened drawing a lot of interest from local people since there were no other HDFC banks nearby. I visited the branch to enquire the status of my applications and came to know that they had gone for processing. I got a chance to talk to the Branch Manager, Mr.Anamitra Bhattacharya, about obtaining a locker and he assured me one, softly mentioning that it would be faster if I could get some deposits done in the bank, like Fixed Deposits and other deposit schemes. I didn't like this unfair proposition but since I needed one truly, I accepted it. I went ahead and liquidated my FDs in New Alipore and created new ones in Behala in anticipation that I could get a locker.

Days went by. Every time I visited the branch, I asked about the locker and got a reply that I will be allotted one by the end of the month. This had been going on since October 2008. I visited the branch again last Saturday and the Personal Banker, Mr. Subhrangshu Bhattacharya, assured me they are ready and I, along with my wife, should pay a visit again this Saturday.

Things took a different turn when my wife paid another visit on Friday, March 6, 2009. The Branch Manager, Mr.Anamitra Bhattacharya, told her that there were no lockers available and we should wait for another 6 months till the new set got ready. Upon querying the Personal Banker, Mr. Subhrangshu Bhattacharya, she found out that his assurances were for the sake of pacifying me. This was it! If it was not possible to provide lockers in the first place, why were we given false assurances and made to create new FDs? We have been tricked! Not only were we getting frustrated by visiting the branch over and over again, how could it be possible that there were no lockers available? We had applied even before the branch started its operations and had been following up since then. The only way this is possible is if the Branch Manager allotted the lockers to big ticket depositors who have even greater deposits that ours or those with whom he shares personal relationships, neither of which fall under HDFC policies and Code of Conduct. I do not know if the Higher Management is aware of such double standards and false assurances, which cause great disappointment to customers.

It's a pity to report such incidents which deface the bank's reputation. I request for strict action against this. I hope the Grievance cell takes a note of this otherwise I will have to report this to the Consumer Forum and resort to other means for justice. I apologize for being tough and would appreciate an email or phone call from the cell informing me of strict action. Thank you and have a great weekend.

Sincerely,
Sourav Chanda.

AS I AM MR.RAKESH BABGONDA PATIL .
I AM YOUR COSTUMER MY ACCOUNT NO [protected]
BRACH CODE:-0746
I AM LOST THE MY DEBIT CARD, DATE:- 05/03/2009
SO PLS. THE I REQD. MY NEW DEBIT CARD.
SO PLS. THE HEPL ME, I REQUESTED FOR YOU, NEXT PROCESS
TO SENT ME.
THANKING YOU,
YOUR FAITHFULLY
(MR.RAKESH BABGONDA PATIL )

Hi,

I have a savings bank account with HDFC bank in Mumbai. When I tried to withdraw more than 50, 000 Rupees and the bank charged me @ Rs. 2.90 per 1000 on the full amount. It is ridiculous. I have banked with various banks in many parts of the world and this kind of charge is unheard of.

The strange part of it is I was told when I was opening the account that there are no hidden charges, I can carry out day to day transactions the way I want to. Physical place doesn’t matter.

I can understand the money charged for clearing cheques. But this one is really no good. Need a solution to this as many customers across the country must paying this money and that could result into lakhs of rupees being charged on a daily basis.

If a customer has to pay to withdraw his own money then what is the use of savings account which are of 14 digits.

Thanks,

Darshan Ashwin Trivedi

Hello Sir/Madam,

This is with regard to my credit card # [protected]. I have been holding this card for more than 3 years. The repayment towards my card has been very prompt since then; however, due to some medical expenses that I had to incur of the last 2 months January and February 2009, I failed to make the payment on time. I even called HDFC customer care to explain this and the person on the other end acknowledged the same and confirmed that I could make the lump payment for two months by End of March. Today, I received a call from HDFC Customer care again (Deepa) who was utmost rude on call and demanded the payment today itself (06 Mar 2009). I also told her that I would not be able to make the payment today and shall arrange the payment by tomorrow and walk-in-to the branch and make the cash payment of the said amount (Rs.2000). She did not listen and was very harsh to me. I also told her that I would be complaining to RBI if she continues to talk this way and she was least bothered about it. She said " I don't care, you could complain to anyone you wish to" (these were the exact words used by her). I'm totally taken aback by the way these people from the bank treat their customers. I would sincerely appeal to whomsoever to look into this as I'm a BP Patient and such calls really disturb my mental stability. I would not hesitate to blame the bank for any mishap that I face due to rising level in my pressure.

There have been couple of other people too to add to the list. One of them is Anil Anandan from Bangalore branch of HDFC.

Please do something as I strongly feel that this is affecting my mental health. I wish to re-iterate here that most of the call center people from HDFC (collections) are not maintaining the standards when it comes to customer service.

T.E. Rajgopal

This is to bring your kind attention towards my problem.

I was in urgent of getting credit card for my online business i launched 6 months ago.
I Heard About HDFC Kindness Always.
Once Hdfc Called me and sent me one person.
Mr Ashish From Mumbai met me and introduced HDFC Classic Account (1 Lakh Avg Balance)
He Told if you open this account You Will get gold Credit card Initially in 15 days.and a profile account (and lot of facilities he explained)
Until I Havent Paid him Every day I was recieving his call and a person comming to meet me.
Once I Paid and and my account Is Opened, I havent recieved his assistance.(No Check collection facilities, No Account clubbing informations).
I remember i signed on credit card documents, He lost It.
He Recieves My Call and daily talk with me.
From sevens days daily he is telling i will be coming to meet you, to sign on new documents
From sevens days i cancelled all meetings, tavellings to meet him or his persons, No one came
This is second time when Hdfc Marketing person fooled me.

I called Hdfc Telebanking and registered two complaints for two problems.

My Complaint No's

1:MUM019998
2:MUM020003

First is near about solved.
Second Main Problem is not Solved.
Plus customer care and credit card deparment is asking me to make FD.
How I can take tihis risk?
After investing 1.5 lakh i am not getting my rights.

I Have Two HDFC Account.
Both opened on the name of giving credit card facilities.
I am closing both of my accounts.
Both Accounts are useless.
I was about to open my New Pvt Ltd company's account.
I will Never open in Hdfc.
I think I wasted Time.
It Was Worst Time I spent Depending on HDFC Marketers

TO
PARAG RAO
CREDIT CARD DIVISION
HDFC BANK

SIR,

SUBJECT --REDUCTION IN CREDIT CARD LIMIT WITHOUT ANY INTIMATION TO CUSTOMER

THIS IS TO INFORM YOU THAT I KULBIR SINGH R/O D-26, RAJOURI GARDEN, NEW DELHI-110027 IS HOLDING 2 (TWO) CREDIT CARDS OF YOUR BANK SINCE 7 YEARS. I WAS MAINTAINING VERY GOOD CREDIT HISTORY ON MY PART, WITHOUT ANY DEFAULTS OR FRAUDS OR LATE PAYMENTS.

1: ( [protected]) THIS CARD I AM HOLDING SINCE JUNE 2002 WITH CREDIT LIMIT OF 46, 000/- GOLD CARD.
2: ( [protected]) THIS CARD I AM HOLDING SINCE JULY 2006 WITH CREDIT LIMIT 0F 30, 000/- GOLD CARD.

FEW DAYS BACK I GOT MY CREDIT CARDS STATEMENT AND TO MY SURPRISE, YOUR CREDIT CARD DIVISION HAS REDUCED MY BOTH THE CREDIT CARDS LIMITS BY 50% THAT IS ( 23000/- AND 15000/- ) WITHOUT INTIMATING ME OR WITHOUT ANY WRITTEN DOCUMENT FROM MY SIDE. INFACT YOUR DEPARTMENT SHOULD HAVE INCREASED THE LIMITS OF SUCH A LOYAL OR GOOD CUSTOMER. I AM ALSO HAVING SAVINGS AND CURRENT ACCOUNT IN YOUR BANK. IF THIS IS THE KIND OF TREATMENT OR BEHAVIOR YOUR BANK PEOPLE ARE GOING TO GIVE, I AM AFRAID YOU ARE LOOSING A POTENTIAL CUSTOMER. KINDLY LOOK INTO THE MATTER AS URGENT NEED OF HOUR AND TAKE THE APPROPRIATE ACTION.

YOURS FAITHFULLY
KULBIR SINGH

91-[protected]

I am tired of compalining to HDFC bank regarding the Insta Alerts malfunctioning. Due to the same, I've also been penalised with some charges.
Spoke to the customer service 5 times, whereas I've not recieved any revert from the bank still. Lousy service to the core.
Want a phone call to speak to the bank and the money reversed.

SOME ONE PLEASE HELP-How to get investment money from HDFC Standard Life Insurance.
Dear Friends,
Please be careful your investment in HDFC Standard Life Insurance Company plan like unit linked.Their representative not explain history of plan, they will expose you get higher returns with low investment of 3-years only & then you leave the plan it will get mature good benefit amount at 10 th year etc..like huge words to convert your mind.
After collecting money from your end they are not turn back & no contacts.
Yes I had suffered & loss of my investment money with Young star plan after 3-years premium paid.Now they sent letter to me your policy will be cancelled and all the benefits under the same will discontinue, due to fund value reduced.
They will not inform you about fund value low in market against your policy.
Instead of that they will send letter to you policy is cancelled.
HDFC Standard Life Insurance not customer support company.They not have alert message or information system to customers in time to protect your policy.
So Please be alert when your investment in unit liked plan, especially with HDFC Standard Life Insurance Company not have Customer care /support.
Regards,
K.Elumalai
Chennai-2




In Adequate Customer support/service in HDFC Standard Life Insurance- *Complaint launched on 19/2/2009 to Indian Consumer Complaints *
Dear Sir,
I have two policies of HDFC Unit linked young star plan started on Dec2005 vide Policy Nos: 10426893 & 10426897 for my Son's Education future.

I joined this policy at Kochi, MG Road Branch in Dec2005 and their representative, Mr.M.S.Sankara Iyer (His code:[protected] has clearly mentioned that it is compulsory to pay 3-years premium only and you can withdraw your amount on the maturity period with good benefits.

I have paid promptly my premiums of Rs.10000/- for every year for each policy up to end of Dec07 for 3-years.(As total my investment of both the policy together is Rs.60000/-.(Rupees Sixty thousand) as per the giudance given by their HDFC representative.

But after 3-years premium paid, I have received letter from HDFC on 23/1/09.The letter mentioned that word as your policy will be cancelled and all the benefits under the same will discontinue. due to fund value reduced. I get shocked after received this letter. Then I met their representative at Teynampet Branch- Chennai on 29/1/09, understand that due to market fund value reduced against my policy fund value of Rs.15000/- ., at present fund value is policy no.10426839 for Rs.14397.28 & 10426897 for Rs.13988.62. This is the cause my policies are cancelled like that they are given explanation. Also I asked HDFC -not send any advice to maintain my fund value to live the policies. If they send an advice I can able to maintain fund value always.But their representative made me to join in this policy; he did not mentioned such word of fund value. He projected that to pay for 3-years only & get maturity amount on due date of 10th year.

If their representative might have informed me regarding this at time of joining this policy, we might not have taken this policy and I am sure that no one will join in this policy. I have taken these policy for my sons education, but like corporates bank of HDFC acting as a local finance company. HDFC- not have system to alert customers to maintain fund value & no support to customers, simply they cancelled policy and sent this type of letter is like cheating us. I request your guidence to get refund my paid amount of total Rs.60000/-. Now HDFC send a mail to me they will pay for my Policy No.10426893, amount of Rs.13547.09/- and for the Policy No.10426897 amount of Rs.13162.56/-, only against my total premium amount of Rs.60000/-.
Awaiting for your favorable reply.

Thanks & Regards,
K.Elumalai
Chennai-2.

sir
HDFC bank had sent a courier through overnite express courier which contained ATM pin on 26/02/2009 with airway bill No;[protected] which to be delivered at Jolly Grany, Rishikesh. the same courier was received by rishikesh branch of ovenite on 27/02/2009 and returned it back on 28/02/2009 without informing me or the bank. The courier cited out of delivery area as the reason for not despatching the letter to me.
kindly look into the matter.
with regards
ashok kumar srivastava
[protected]

Dear Sir Date: 18/02/09
On approaching your bank for personal loan couple of days back, It came to my knowledge as a very unpleasant surprise that my name has been put under RIC list by your bank on the ground that I have tried to do some fraud in seeking a loan earlier.
In this connection I would like to bring to your kind notice that in November 2008 I did approach your bank through the General Motors dealer M/s Mallika located at Car Galaxy Thane for a car loan for buying a Chevrolet Spark car. Your agent by the name Mr. Murugan, who was looking after the loans at the above dealer, asked me to provide him my address proof and salary slip. When I informed him that I am currently staying in a rented accommodation at Santacruz (E) at Mumbai and my permanent address is at Baroda, he advised me to give him my Permanent address proof, a copy of the electricity bill of the flat in which I was staying then, my passport, my pan card as well as my father’s pan card along with my salary slip, which I gave him.
After a fortnight he informed me that my application has not been approved by your bank. Without suspecting anything, I then approached another bank & they promptly sanctioned my loan & I bought the car & am paying my installments regularly since last seven months.
Now that I needed a personal, I again approached your bank & it came to me as a shock to learn that I have been blacklisted. On enquiring the reason, your executive informed me that as per your record I am alleged to have forged my name on the electricity bill of my land lady. I would like to categorically state that I had done no such illegal act and if at all, this must have been done by your overenthusiastic agent Mr. Murugan to circumvent the procedural difficulty to earn his commission by getting my loan sanctioned through dubious means.
I would like to further state that I'm a responsible person working in a senior position with YES Bank and being a bank employee and knowing the implication of such act, would never indulge in it to get the car loan sanctioned. This act perpetrated by your over enthusiastic agent is very detrimental to my reputation and has also caused me immense mental agony. I would therefore, request you that this case must be thoroughly investigated and the erring agent must be taken to task and my name must immediately be cleared from this list and a confirmation be given to me in writing to this effect. Any information needed from my end in this regard shall be provided by me immediately.
Looking forward to your prompt action.
Yours sincerely
Prateek Lal

Dear Sir,

I have HDFC bank home loan from last 2.5 yrs. Right now as every bank have down their interest rate which is around at 9 %. But HDFC bank still charging me 11.75% of interst rate.
Therefore I called their CCE & asked my query like why they are charging this much of higher interest rate for a old customer.

On this I got reply as I can decrese this interest rate by paying 0.5% on the principal outstanding amount. so my query is why bank is asking to customer to pay an extra amount for decresing the interest rate ? Why should I pay any extra amount for this ?

Also ... Initially bank offered me home loan & it was based on my monthly income & other related things. But as of now when bank is incresing their interst rate then why they are not considering the economical condition of their customer. This will not remains same all the time.

Please consider my complaint and do the needful.

Thanks & Regards

Amol
[protected]

Dear sir,
My name is .S.Ranganathan iam having credit card of hdfc A/c no is [protected].

i have closed my a/c with nill balance one year before.and i have sent closing letter also but iamm not received closing letter.
3 year before i have taken 17, 000 (seventeen thousand cash loan) for that monthly premium is 565/-
but iam paying monthly Rs=1000 or 2000 also.but hdfc bank credit, they are not sending statement.when iam call customer care they not informing me the balance amount.
iam very confuse i have paid more then 30000/=now i want close.the my a/c.
please do the need full.Thank you.

S.Ranganathan

Dear Sir,

I am one of the unfortunate middle class customer of HDFC having taken housing loan with them in the year 2001 with floating rate of interest. My loan account no. is[protected] and I have Rs 12 Lacs loan with HDFC.

I am pained to note that HDFC has not been ethical in dealing with the floating interest rates for the existing customers. I am surprised to find that HDFC even today is charging me 12.5 % interest today when the new customers are all getting charged at the rate of 8.75 to 9 %. This is highly unethical and day light robbery.

I understand they are using a technique of passing on the benefit to only new customers by adjusting the spread only by givng more discount from PLR. As an existing old customer, my interest rate is defined by the HDFCs PLR which they seldom touch. This is is sheer cheating.

The trust with which I had been having my relation ship with HDFC is broken by this cheap tactics and I as customer is very pained and feel cheated. The purpose of taking the risky bet with floating rate is to look for the benefit during the reduction of interest rate. I find HDFC is quick to pass on the increase of interst rate due to macro economic factors and is cheating existing customers by adopting un fair means of varying the discount on spread to the new customers. This is atrocious

I am lodging this complaint with the Honourable Reserve Bank of India for an urgent action in stopping this cheating of customers like me.

I would request RBI to take this issue strongly and arrive at a way by fair way for both the NBFC and the customerlike me. The existing lacunae in the system of NBFC being allowed to set its own PLR should be done away with and the same need to be tied up with and independent regulator's interest rate announcements (like RBI)

I am looking forward to your action in this matter to resolve this cheating by NBFC Await your response to take the matter forward with RBI / Consumer protection groups. Request HDFC to not cheat the customers like this. Regards

Mr.T.C.N.SAI KRISHNAN,
Plant Admin Manager,
Asian Paints -Phthalic Division
H3, Asian Paints Phthalic Colony No.2,
Plot no. 605-607 GIDC,
Ankleshwar, Gujarat – 393 002.

I have deposited a check of 5000/- dated 16/01/2009 HSBC cheque# 009005 and which clears all my dues. I am not aware why this outstanding of Rs. 44, 438.65 coming from as I have never used my Card from June 2007 and its blocked since then. Neither iIwas intimated of any transaction made.

I have also enclosed the EMI letters which you had sent across to me, which says that the EMI ends in JAN 2009.

I am also enclosing the card cut into two piece as stating I surrender my card to you CARD # [protected].

I do not have any tranasction of Rs. 44, 000/- as it was blocked from June 2007.

I was never intimated through mail or written letter that charge was added for Rs. 44, 000/- due to non payment of the EMI's.

There was no preclosure from my end, only I wanted some information about the preclosure.

Also, In fact i didnt pay 2-3 times monthly in 2007 due to the issue on my card for wrong transaction. so before clarification was made how can I make payments.

I have all the wriiten proofs of delay in answering from your customer care department.

Hence, as you had sent the letter for CASH on CALL EMIs, I have never recieved a mail or letter from HDFC stating that a charge of 44, 000/- has been made, since is deactivated. I started recieving statements of a different card # [protected].

I have never recieved the card till date and neither I have used... Hence it doesnt belong to me.

I might have a balance of 246.83 for loan # 755085 for the month of FEB 2009, which I will pay a payment of 500/- to end the loan. Loan # 698891 is closed and besides these two i do not have any other loan from HDFC bank credit card as it was blocked from June 2007.

If this matters doesnt end here then the next step would be to go to Consumer court for harrasing people from credit card companies.

Hello sir,

I have taken hdfc credit card before around 1 year, i was using is also, but once a time i forgot to deposit the money, I asked hdfc customer service center and asked very gently that I havent deposited last payment please let me know the exact amount of money I need to pay to come out from it including late charges.

The lady from the customer care has told me to submit 650 I have deposited same on the next day. Then also in the next statement I found some late charges.
So in short they were asking me for the late chareges twice.
I called them once again and they told that i have to pay this charges anyhow.

even I have asked them for settement amount, but they are not ready to hear anything.


I havent paid any statement after this incident, now the last statement indicate that hdfc has sent my details to RBI as a defaulter.

What should I do in this type of problem.
Please let me know.

I got a charge-back of Rs.4692.98 from IRCTC on 02-July-08 against the cancellation of one of my ticket of Rs.4784.60 on 30-Jun-08 but HDFC bank is not ready to give me the credit of that charge-back and imposing the financial charges in my card. I have send the dispute latters and mails to them so many times but all in vain. They are not ready to accept the mistake of their end and system.
I'm following this issue with bank from the last 6 months but their customer care executives are not wel aware about my issue and every time they make a false promise to me for resolving my issue but problem is still exist. I have confirmed with IRCTC regarding that charge-back and they provided me the proof of the cancellation and charge-back and that proof i have already forwarded to bank many times but they are not considering that proof. I still using my HDFC card and paying my monthly charges honestly after deducting that charge-back amount but in-spite of that bank has put my name in (CIVIL) and due to this i'm unable to get other banking facilities like loan etc. and this is very embarassing situation for me.
my card no. is [protected]. Plz help me get rid out of this situation.

Hello,

I have a Home Loan with HDFC Home Loan and they have recently hiked the switching fees from 2% to 3%. Also, they are asking their customers to pay 0.5% extra to get their interest rate reduced. If customers need to pay 0.5% extra, then what is the meaning of Floating Rate?

When RBI increast any governed rate, HDFC is the first bank to increase the interest rates but when it comes to decreasing it, HDFC is not even the last. They bluntly deny to reduce the rate.

In the long run, it will be harmful to bank only. After all, a satisfied customer gives 100 new customers and here daily, HDFC is creating 1000's of furstated customers.

Sir,
I have taken Car loan from Panjab Bank which now have been merged into HDFC Bank in 2004 for Rs.2 lakh 20 thousands for the term of five years. I have given 59 post dated cheques for re-payments.Now a letter has been received from HDFC Bank, Retail Asset Div, 3rd Floor, Trade Star Bldg, Opposite J.B. Nagar, Andheri-Kurla Road Andheri-East, Mumbai to pay Rs.1618 an outstanding amount (due to late clearance of cheques). I have cheked my bank pass book during period of deduction of loan amount, there is/was a sufficient balance to recover the instalment of loan amoun for which I had given the post dated cheques. Late clearance of cheques is the fault of bank. I am not responssible for the late clearance of cheques.

Now the bank is not issuing the clearance of loan certificate.. Kindly guide me what should I do now.

I having a credit card of HDFC Bank against one payment is pending. From which i am giving part payments every month and even interest also. Now only payment of Rs. 4500/- is pending for which i have commited them to close this in June only. But the person over phone there is using such a rude and abusive language. Even after my repeated requests to dont use such kind of language and payment will be done, she does not stop to use that kind of language.

She is not giving me any other persons number or their managers number to complaint against her. Even HDFC bank customer care support does not provide me any kind of number to talk a senior level person in bank for registering complaint against her.

The number where i am getting these calls are[protected]. They are harrasing me by using such a pathatic and abusive language even after the commitment of getting payment done in this month. I think HDFC bank does not have any moral value for their customers who are having their accounts with them. They dont even bother about what kind of mental harrasment given by these recovery agents.

Requested to take some steps against that girl for using abusive language. other wise i have to go for legal action against HDFC Bank for harrasing me mentally.

Waiting for a response immediately.

We are having a joint saving Bank Account at HDFC, Branch-Kolkata, Raghunathpur, Dhariwal House, On VIP, Kolkata-700059. Bearing Account No.[protected].
In the month of November' 08, we applied for extension/ processing of Investor Service Account for which from KYC also filled. Time to time the case was pursued by us & in the month of Jan, 09, your official at the branch informed that till date the KYC has not registered, however they will follow up the case and shortly the ISA account will be activated.
Today I personally met your official, they told me to resubmit the forms of KYC, then only the case of ISA could be processed.
My complaint, 1 Where the forms has missed, office has failed to show me any document
that the case was processed to the competent authority
2. Such type of Services is not expected from HDFC Bank.
3. It is expected to get an communication if any problem arises to our
application for ISA & KYC.
4. It requested to give a communication on the subject matter at & requested an early action on the matter