HDFC Bank Complaints & Reviews

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

Is my account activated and want to know my customer id number

plz kindly reply to this mail as soon as possible

MY A/C :- [protected]

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]