HDFC Bank Complaints & Reviews

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.

sir,
i had credit card of HDFC BANK card no.[protected]. I availed the amount with in the avavilable balance which is showed on bank's mini statement.But the banker send me the bill with over limit charges and excess intrest charges, I sent a complaint to bank e-mail address, then the bank authority reversed the overlimit charges in JAN'09. But the Bank authority levyed the same was in Feb'09 bill and forcing me to pay the amount which banker showed as overlimit with all penalty. The banker doesn't concider the ministatement of my account which showed i have available balance. Due to this what iam paying the minimum balance fully cuttyig as penalty and banker will showing principle was unchanged. hence i request you please rectify my problem.

Recently I submitted all my documents to a HDFC agent (HDFC Bank Lakdi Ka Pul Branch). I submitted all the documents including BSNL Phone Bill and Electricity Bill of my own house (registered on father's name). I just asked for 50 percent of loan for Fiat Palio Sports model. I am working as a project manager and earn pretty decent income. Later, after three days of waiting period I get a call saying that my address was not verified. When I asked the reason, they told me that even though my father had authenticated, the watchman of the building had told the guy who came for verification that I come to home on and off and maybe having another home. Incidentally on the same day I had gone to stay at my brother's place who is also located in Hyderabad. So, now I am being asked to submit the documents of my brother's residence as well. I got so irritated that I have cancelled my application and going for a Public Bank. I do not understand the quality of the verification process. A watchman is better qualified that my father (advocate in High court) to give the details about me. I recently read an article, that HDFC was complaining about SBI on trying to woo the customers by setting the home loans at 8%. If this is the kind of service that HDFC is providing then frankly, I don't think they need to woo the customers, everybody will prefer SBI over HDFC. I have understood my mistake in applying for HDFC when lot of public banks are willing to lend and would also suggest others not to commit the same mistake of going to private banks. You will end up being screwed and wasting time.

18th February, 2009



The Manager,
HDFC Bank Card Division,
PO Box No. 8654,
Thiruvanmiyur P.O.
Chennai – 600041
Email : [protected]@hdfcbank.com

Ref : Credit Card No..[protected]

Sub : Waiver of Late Fee Charges & Finance Charges Retail.

We would like to inform you that I am utilizing your Bank’s Credit Card for last 5-6 years however last 6-7 months, we are receiving Credit Card Statement on 23rd to 24th of every month and due to this we are unable to make payment on due date. Due to late receipt of Accounts Statement, even we are making payment immediately however your Bank is debiting Late Fee along with Service Tax & Cess Tax.

As there is no default on my part hence I am not liable to pay this late fee charges.

I hereby draw your attention that last month we have received your statement on 23rd evening and after that there was holidays for 3 days i.e. Saturday, Sunday and 26th January and due to this your account was showing late payment charges of Rs. 350 and during current month also there is charges of Rs. 350 which I am not supposed to pay.

Finance Charges-Retail for Rs. 431.23
We are in receipt of your Account Statement for the month of January and February, 2009 however there is a Debit Entry for Finance Charges-Retail for Rs. 431.23 which is unnecessarily debited in my account and I am not liable for this amount.

I am making payment of Rs. 19291.40 out of total outstanding for Rs. 207261.62 i.e. after reducing late fee charges, Finance charges, Service Tas, Cess Tax etc. and you are requested to please waive the charges of Rs.1430.22 being the amount of Late fee and Finance charges and credit to my account.

Incase you are not making waiver of the above charges, then I will surrender the credit card which please note

Please do the needful.

Thanking you,

Yours faithfully,


VINOD JAIN
C/o Bhandari Foils & Tubes Limited
Plot No. D1-D4, Phase –I, Indl. Area,
A-B Road, Dewas ( M.P.)
Mob. [protected]
Email. [protected]@bhandarigroup.in

I have not registered for email statement of my credit card bill. Bank has sent three months physical statement to me on my mailing address.

After that, without my consent/request (verbally/written/any other form), they have discontinued sending the physical statements. When my credit card billing date was nearer, i have inquired in phone banking. They said we have sent it to your email address and now onwards we won't be sending you physical statements.

Its your responsibility to check the bill in the internet and have to pay within timeline. I have argued a lot with phone banking officer that how could you stop sending physical statements without my request or consent.?

In addition to that, i have provided my personal email id at the time of applying credit card which is mitul.[protected]@gmail.com;

They have captured it my professional (official) email id and that to wrong one. I have never received any credit card statement on my email id from the credit card division.

Just imagine, how one could pay the bill, if he or she doesnt know the billing amount..?

That to, for changing my email id into their records i have to talk to phone banking officer twice. First time they hadn't process my request. Second time, they took 3 days to process the same.

They have charged me 350 rs for late payment fee. In email, communication with them, they have confessed that they were failed to send me the physical as well as email statement in time.

Solutions I need:

-> Reversal of 350 rs amount
-> Physical statement to my resident address according to billing cycle.


Please help me out to resolve the same at the earliest.


Regards,
Mitul Mehta
[protected]
mitul.[protected]@gmail.com

I tried to use my HDFC International debit card in US, but unable to do it after many e-mail interactions with bank. I'm not happy with the service the bank provided to me instead they told me that there's something wrong with my card but I got that new card in the first week of Jan'09 and I could view the bal in my account but couldnt take out cash from Bank of America ATM in US.
I would like to highlight this to everybody to make sure that nobody will suffer as I did. If HDFC gives you International debit card then ask them if you can really use it internationally or its just in printed format.
Roopali

i shri shyama prasad shome holding a credit card no [protected] residing at 32/ 1 b khelat babu lane kolkata 700037, over charging the bill for the month of dec. n jan. one is i hav given cheque in due time but charge fine of rs 500

Hi,

My credit card no. is [protected] from past eight months i have been charged extra amount every month on this credit card and inspite of asking for the details they are not providing me the details of my bill and why is extra charges leived on my bill every month though no purchases made against this card for the last six months and late fee is being charged every month though no bill is sent to me on my bill continously following with the team they dont provide the bill and chaging every month late fee on my card.

Last month without informing they freezed Rs 7500/- from my bank a/c against this card i made the payment of Rs 2000/- last month they unblocked my debit a/c and again they have sent me the bill of 7000/- though the card is not being used still they have charged extra amount and when asked to customer care they dont provide any detail of the charges however my actual bill is only Rs 4000/-

I have continously saying to provide me the details and settlement of my credit card no.[protected] they are not doing the final settlement of my card and repeatedly charging extra amount of my card and they keep on calling for payment of bill without providing me the bill.

I request that kindly help me in settlement of my card i want to close this card .

Please look into it and reslove my issue as it is actually very paiful for me bear extra charges every month for no. reason.

Thanks
Aishwarya

I had availed housing loan from HDFC at the rate of 10.25%. Without informing me, they have increased to 11.50% and then brought down to 11% (the present rate).

As SBI is offering at 8% which is applicable both to the new loans and takeover loans, I had approached HDFC for the same.

To my shock, they have informed that penalty charges at the rate of 3% (along with Service Tax and educational cess on ST) will have to be paid by me if I am transferring the loan to another bank.

Earlier the rate was 2% and with the fear that lot of customers will be moving to Public Sector Banks, HDFC had unilaterelly increased it.

With the Supreme Court ruling against such pre-payment penalty, what is the recourse available to me?