HDFC Bank Complaints & Reviews

My repayment due date is 05th or 6th of Every month. I had deposited 02 checques (Icici Bank for Rs5000/- and Dena Bank for Rs4000/-) on 2nd of December 08 through drop box at HDFC ATM and had verified details with HDFC bank on 6th Dec 08 under request no [protected] and [protected]. which i was given a feedback that cheques not received for clearance.
On 16th Dec received SMS stating that card A/C xxxxx is overdue for payment, Please call on[protected] . Based on that on 16th Dec called up Ms Shalini on[protected] at 1640 hrs and asked for the issue, inturn recevied reply that cheques are not yet received you need to make payment. Had explained her the details of deposits which she refused to accept and backfired stating that if you cant manage your expenditure why are you keeping your credit cards and will be taking action against the same.
Then on 17th Dec called Ms Meena on[protected] and explained her whole scenario in which customer is been ill-treated request number given to me was [protected]. Ms Meena had asked me to make stop payment with concerned banks, which i had asked for a formal letter from HDFC Bank.
18th Dec 08 received SMS from HDFC bank statement for cardmember, stmt for card ending xxxxis being dispatched . Min amount due Rs1660 on 05/01/2009. Total dues Rsxxxxx
On 19th Dec received SMS from ICICI bank at 0922 hrs stating that amount of Rs 5000/- debited from saving account vide cheque no xxxxxxx towards payment.
20thDec 2008 Spoke with Ms Shailja and Ms Anita both were very rude and were trying to pass on the buck on credit card department . It sounded like torchure to customer for showing his patronage.
on 21st Dec 08 received SMS from HDFC Bank stating Rs4000/- being credited into your card ending xxxx on 20/12/2008.
By placing above mentioned facts, you can imagine how human being can undergo a mental stress for such kind of treatment received from credit card banks
Hereby, request your kind intervention and solicit your favourable reply

I have taken the above HDFC Standard life Insurance Policy in July 2005, in my Son's name Varun P. Sarma ( who is a student still), with an Annual Premium of RS 19450. The Policy was taken through Mr. Vinayak Haldive o[censored]nion bank of India. As per the request of Mr. Vinayak for regular payment of Premia, I gave standing instructions at that time to Vinayak Hadive, to debit the Annual premium to my Union Bank Account, through Union bank Hyderabad, Kandigal Branch, Branch, As Standard Life Insurance has tie up with Union bank for marketing this product. They specifically requested for this arrangement for payment.

However due their internal problems (between HDFC standard life Insurance & Union bank of India) this standing arrangements did not work and my Policy has entered in lapsed state., which I was not aware for quite some time because I am in overseas and no mail reached me about this lapse, till I visited India and ascertained about this Polciy status.

Now they are insisting that I should pay interest charges of over Rs 10, 000( accumulated so far ) in addition to the premium amount . However I requested for waiver of the interest charges for no fault of mine and I was ready to pay the all the premia. I have been regularly following up with HDFC standard life Insurance / Union bank for the revival of my sons’ above policy without any extra charges for no fault of mine. It is nearly over three years, neither action has been taken by HDFC standard life Insurance nor Union bank of India about this matter. My first premium amount of RS 19450/ is just swallowed by HDFC Standard Life Insurance. The people I am in Contact with HDFC standard life Insurance are as follows.

1. Mr. Vidit Srivatsav
2. Mr. Nirmal
3. Mr Anil Dubey
4. Murugesh

Union bank
Mr. Vinayak Haldive
Only Lady who requested to take up this Policy

I made three visits to HDFC standard life Insurance office in Mumbai Church gate office but of no effect as no senior people are available there. To be very honest these companies advertise in a big way, when we go to see their customer services you would know how poor in handling their customer grievances. There quite a lot of similar complaints which HDFC Standard life which they never attend. Under the Circumstances I request you to help me to revival of the Policy without payment of any extra interest charges, I am prepared to pay all the outstanding premia up to now, or else to arrange for refund my amount of RS 19450.

Please help me.

Best Regards
P. S. Sarma
Father of Varun Sarma ( student)

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Please find the mail below which I have sent to HDFC Customer care.

Dear Mr Kaushik,

As per mail below you were sending me the letter related to investigation details. For your kind information till date I have not received any letter from HDFC.

Secondly, while investigation one of your executive Ms Rajni called me up for details and she also confirmed me that transactions were not made by me, some other person has done that transactions. And she was also supposed to send me the copy of that signed transaction slips, but till date even that slips also not courier to me.

Also, I am failed to understand few things, if possible kindly clarify the followings:
1) On 4th Nov, 08, when I register the complaint against wrong transactions total amount due towards my card was Rs 10, 806/- and now I am receiving the sms of outstanding Rs 13, 346/-(no statement has been received)
2) When I already requested that till the time dispute on my card will not solved I will not make any payments than why I am receiving calls from HDFC call centre to make payments.
3) I didn't request for any new card, why have you have sent me the new credit card and adding up the amounts.
4)When will I receive the current statement of my card and the transaction slips??

This all seems to flimsy. On one side your executive confirms me that yes transaction has not been done by me on other side you were sending me this kind of mails. I am receiving continuously sms and calls on due's. You guys don't have any coordination with each other department as when I called up the call centre(helpline) number they ere failed to satisfy my queries. I am in continuation of receiving the harassment calls from your executive to make the payments for no reason, if I want to know any detail on my dispute transactions than your executive were like"sorry we didn't know anything" as dispute department must have all this details. When the case is under investigation why cardholder should pay???

I would again like to clarify that I will not pay the amount for the wrongly charged transactions which was not belong to me. And I don't want to use any of HDFC credit card until and unless all this disputes will get resolved.

Thanks & Regards,
Deepti Jain
Mb No [protected]
[protected]@gmail.com

Dear Sir,

I hold a gold master card from HDFC, I am repenting for doing business with a worst bank like this, I am paying the minimum amount due but still they call me and threaten me and my family.

My dad is an exservice men and a senior citizen who stays in my native mulky. These callers have called him asking about my whereabouts, when he told them that he is in bangalore they threatened him saying that he is trying to immetatite like my father.

They cannot even make out the difference between a 65 year old senior citizen and 35 year old son.

My family is disturbed and thinking of going to the police. I have just had problems in my work place because they call twenty times to my workplace also.

I have decided to take them on legally and go for a settelmet as i have problems with my job.

Today they called my office and gave me this number [protected] and told that it is from the legal department and i have to call them, They have threatened my office collegues saying that we want to come and thrash him.

They are using vulgar language while speaking to me.

I want to take action against them please advice.

I have submitted online form for the hdfc persional loan.. And one day one persion called me and tell how much salary.. Which company you are working like this.. After that no call or mail about this.. What the reason for delaying..?.. I am a elegible persion only..
Please take a immediate step to get persional loan.. And my mobile no is [protected]

Hello All,

I transferred an amount of 5500 RS on 14 Jan 2008 to Visa Card no: [protected] through net banking. Name of recipient is Mrs. Manju Das. Her bank account is with SBI Nagpur branch and her A/C no is [protected]. She has not yet received money. She has checked with her bank several times and even I checked with SBI, No money was credited to her account. I have complaint HDFC so many times and comp no is:[protected]. They are saying money was credited on next very day 15 Jan 2008. Kindly take necessary step to resolve this issue ASAP. Please let me know if you need any further information.

I am not happy with HDFC at all. I am corporate customer of HDFC bank since 2003 and they are not resolving the probleme. So please help me reponsible person.


My Name : Manoj Kumar

My Account detail:

Bank Name: HDFC Bank
Branch: Gurgaon
HDFC AC no:[protected]



Thanks & kind regards,

Manoj Kumar
Mob :0- [protected]

I have submitted a complaint letter along with the policy documents regarding the cancellation of the policy no[protected] at Janak puri branch on 18th Nov, 2008. This policy is issued to me on the False commitment and my signatures are fradulently done by the Insurance Advisor on the documents. I called up the Customer care on 25th Nov’ 2008. but as per them policy documents and letter does not reach to Mumbai office and they advise me to contact branch again. Till today I have not recd any response in lieu of the refund order. I called up several times to the company help line but till now there is no confirmation.
Why the company is playing with the customer time & money? I do not have time to visit the branch office time & again and when I called at the nos provided then no body picks up a call. I need my money refunded with interest urgently.

A man claiming to be an employee of HDFC Bank Janak Puri came to my residence this morning stating that there is an outstanding amount of my wife's credit card with HDFC. I told him that neither I nor my wife has ever had a Credit Card from HDFC he started threating us.
He had no ID proof, no credit card number and no statement. When I asked for his ID he showed a Visiting Card by the name of Anuj Lakhra, Sr. Manager Collections, HDFC Bank, Janak Puri.

I asked him to get proof and repeated that none o[censored]s has a credit card from HDFC. He then started hurling abuses and threatened to have me beaten up by calling more people.

I calmed him down and told him to get proof. He left soon after and following which I went and logged a complaint at the local police station. This incident has left both of stressed out mentally and harassed.

We request you intervention in helping us get to the bottom of this. I will be sending a complaint to the RBI Ombudman as well about this incident and the behaviour by HDFC employees.

Regards
Rajat Kamboj
+91 [protected]

I had taken a credit card from HDFC Bank in the year 2005. I had operated the card but as i was enjoying the credit facility for 45 Days but i had not received the bill of my credit card has i asked several times to customer care of the bank but they had not given proper feed back to us. As after some period of time i had agree to pay full & Final Settlement of Rs.16000/- against Cerdit Card Number[protected]. I had made the payment of the card & i hav received the offer letter from HDFC Bank as full & Final Settlement. How i can know that how to delete the name from CIBIL?

sir this is to bring to your notice that my bankaccount with account with
no : [protected] in the name of Jugal. Kishore. Mahajan along with Promila is with Centurian Bank Of Punjab Patel chowk Pathankot. This branch has deducted Rs 2640 @660 per month for four months due to low balance charges Whereas we were having more than 2 Lacs in the shape of stdrs at that time. Matter was discussed many times with brach Head Gurmeet s Singh and he assured me all the times to revese the amount by affording credit in my account. More than 3 months have lapsed but he is lingering the matter delibrately. Now i have withdrawn all my money from your bank & kept it at home in my locker. I am not willing to put it backuntill my problem is solved . I fear they can now deduct charges again because at present I have no bmegar balance in my account.once my problem is solved i will put back all the money. I request you to kindly take necessary action at the earliest, or else I may be forced to go to consumercourt . Jugal Kishore Mahajan (I expect someone responcible to talk to me in this regard . my phone nos are-- 01893, 220525 ; 01893, 220022

I HAD QUERY REGARDING MAPPING OF CREDIT CARD IN NET BANKING TO VIEW SUMMURY OF TRANSACTIONS THROUGH CREDIT CARD. EVEN OF IMMENSE OF FOLLOW UP AND REMINDERS, THE QUERY IS UNSOLVED AND AS AND WHEN I CALL CUSTOMER CARE, I HAD TO MENTION MY QUERY FROM "A TO Z". I HAD WRITTEN LETTER ALSO FOR THE SAME, BUT NO RESULT YET. AS AND WHEN I CALL CUSTOMER CARE, I AM BEING TOLD BY EXECUTIVES THAT THE MATTER WILL BE SOLVED WITHIN 24-48-72 HOURS, BUT NO RESULT SINCE 3RD NOVEMBER, 2008.

WHOM SO EVER CONCERNED THERE[protected][I AM ATTACHING THE ORIGINAL MAIL SENT TO HDFC SUPPORT)



I am not convinced with the reply from Mr. Krishna Kumar below. I went to that shop and spoke to the owner who told me that they have not got the payment (ie. double payment) as it reflects in my statement. As he had immediately done a VOID SALE, the same was cancelled…..



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i have applied for credit card several times to the bank...they always check and tell me that i am eligible to get a card from them...after i submit all my documents, then after all verifications they say that im not eligible for the card...plz help me...i always pay all my bills on time...my credit score is very good...

I am having a card loan from HDFC, which is running since last 3 years and I applied for Auto debit from my bank account using ECS facility.

Now a days I am getting calls from HDFC recovery agents, that I have some dues pending for my loan due to late payment of EMIs.

I am not able to understand this I am paying EMIs thru ECS, then how can be there late Payment. If Payment date is on 7th of every month and due to any reason 7 falls on holiday, then I should not be held responsible for delays. This is something bank should have taken care and they should debit amount before 7th.

This is rubbish.

I opened a NRE account in HDFC bank in Aug 2005. In Jan 2006, i requested them to provide me internet banking pin, again i requested for the same in July 2007, this was in person at the bank. Till jan 2008 nothing was received, then i asked them to change my postal address, they did not do so. Now I have been requesting them to close my account as i am totally disgusted, they are not doing so. 20 days ago my aged father went there with my application form they said I must send them INR 900 as a penalty for low balance and then they will do, on 30 Nov i sent them OMR 10 ( that day's value was INR 128 x 1 OMR), today they tell my father that they received only 450 INR and I must send in more money only then they will close. they are also saying the penalty keeps increasing on a daily basis. Can some one save me from these scoundrals My account No[protected], branch HDFC Bank Sector 18, Noida. Name Manoj Sharma am based in Muscat

The Chairman,

HDFC Bank Ltd.,

Po Box No.9,

Vashi,

Navi Mumbai-400703



Sir,



With high regrets I have to bring to your kind knowledge that on 29th November 2008 have received a strong Worded letter dated November 18th 2008 from your Retail Asset Division 1st Floor, B6/3 Community Centre Safdarjung Enclave opp site Deer Park New Delhi stating falsely that despite several reminders addressing me have been sent for not adhering to the terms & Conditions wide the Agreement have failed to maintain the financial discipline and to pay the amount of Rs.23, 349.42 within seven days from the date of postage of your notice and the Vehicle will be recovered (Taken Possession by Your bank) and would be sold, auctioned solely at my risk and cost, and moreover threatening me to include my name in the list of defaulters and share the conduct with other banks / financial institutions, Credit information cos and and statutory bodies in accordance with the Credit Information Cos (Regulation) Act 2005, as amended from Time to Time submit my plea that I have not Taken any Loan on the Above Mentioned Loan Number.



I am Passionately Shocked that the bank of your repute is erring on maintaining the correct Loan Number and Threatening to comply with dire consequences as mentioned in your letter against me.



May I entreat upon your good office to go through the minutest of details and inform me with all the outcome of your enquiry apologetically, lest this matter may be dropped here only and not going to the press & beyond.



The letter in Fact is Postage Stamped on 25 Nov 2008 from Mumbai.



Kindly Revert back within seven days explicitly mentioning the motive to sending me this letter.



Thanks & Regards,

Pranshu Srivastava.

Dear sir

I am holding credit card of HDFC Bank [protected] of name Anup Kumar Singh . As I was posted in Cuttack i had used the card the bank is telling I have overdue around 1 lacs without any statment. Since last 3 month a collection agent under manager Mr. Piyush Singh of Bhubaneswar Branch call at my mobile and at landline of my parental house and abuses in very filthy language. when i talked with him regarding...

Dear Sir,
I have been using HDFC credit card for quite a long time..with the no xxxx xxxx xxxx 8925.. due to some personal valid reasons i couldn't pay the bill for some time.. and later on i realised and ready to pay the bill and requested the bank to reverse overlimit fee which has charged for several months.. i didnt request even for late payment and finance charges.. and paid the amount of 12, 000 which is much more than my transaction amount.. but till now no reversal happened(over limit for several months).. again the bill showing around more 12, 000=00 the full amount is finance charges, late payment overlimit fee only.. please arrenge for the reversal of overlimit fee for the all months..or else arreng for the settlement of the card..

Thanks in advance

Dear Sir

My credit card no. is [protected] in the name of amit saini in the month of may 2008 your credit division charge me 155000.00 on my card at the name of enjaz information techriyadh with the multiple charges on multiple dates my card limit is totally 93000.00 but they charge 155000.00 ill send dispute letter to your division they return all charges in the month of September. Your executive give me call in October and said that your all charges are reverse we are send u a fresh card with fresh no. please send us signature verification form ill got my card in November .

Now again they charge me with multiple charges with multiple date of 137000.00.

Ill use this card from part 18 months now before 5 month I am facing this problem I am regular paying customer . this is totally harassment. Regularly ill make to your customer care center they people are not help full.

Please sir I am requesting you please do something for me

With regards
Amit saini
Mob:- [protected]

hi
My name is ashafaque ansari i am having an saving A/c with HDFC bank. I had deposited a cheque on 14th of october 2008 with the amount of 12500/- as of now my cheque is not been cleared and the bank is telling me that we have lost your cheque. that kind of service hdfc bank has. its a limit of irresponsbility that we have lost your cheque.

My chque was issued from PBN, Maharajgunj, siwan district. and cheque no was 037515 and dropped at laxmi nagar bank drop box on 14th october.

I am very much feddup with hdfc bank service. they are behaving like a street shop. i eagerly need this money many time i have been ashmed by whom i had commited for the money. but hdfc bank is behaving like nothing happend.

If hdfc bank has no capacity to clear outstation cheque then return me i have A/c with other banks. they will assist me in a better way and with responsbility.

Regards
Ashfaque
contact no- [protected]