HDFC Bank Complaints & Reviews

I had availed a home loan from Centurion Bank of Punjab in September 2006 (home loan number HHSG[protected]) at a floating rate of 9%. The bank was subsequently acquired by HDFC. The bank has increased the rate of interest thrice without informing me even once. The rate was increased to 9.75% in three months, to 10.75% in another three months, and to 12% after another 6 months and not once was I informed by the bank. The loan saction documents clearly state that the bank has to inform the customer on changing the interest rate. This increase has resulted in serious increase in interest payments running over a lakh of rupees in total. I would like such unethical behavior of banks to be dealt with severe punitive action.

I am a Gold Credit card holder of HDFC Bank. HDFC Bank allows a cashback of 5% on the Railway tickets booked through credit card from internet website named IRCTC which has an url www.irctc.co.in. I booked tickets worthRs. 54307 in the month of June from date 14th till 25th. Normally, the cashback amt. is credited to the account within few days. They claim maximum of 90 days to give such effects. To my surprise, the same has not been credited till today. On email and phone conversation to their customer care, the reply they gave was not satisfactory. It seems that they are deliberately lingering the issue. They ask for the proof of such booking, though everything is in electronic form. Inspite of that, I supplied them with emails of ticket booking confirmation that I recd. from IRCTC. But, still there is no further action to reimburse me with the cashback. On[protected], I informed them through email that I will not pay my credit card dues from now onwards till the cashback is given. But, though there is no action. On the contrary, they have charged me with late fees for not paying the dues on 2nd October, 2008. Please guide me and help me in reimbursing my cashback and ask them to waive all financial charges, late fees and interest occured due to this. Thank You.

DEAR SIR,
PLEASE NOTE THAT WE HAVE SWIP TWICE IN SBI ATM AT ISMAILGANJ BRANCH AT LUCKNOW AT 7.08 PM TODAY. BUT WE HAVE NOT RECD THE MONEY FROM ATM AND GET THE SMS THAT Rs.6000.00 ANOTHER Rs.6000.00. DEBITED FROM MY A/C No.[protected]. AND CARD No.[protected].

KINDLY DO THE NEEDFULL.

LAKHAN LAL MISHRA

I have received the bill of my credit card September payable in Oct dates due date as 3rd Total amount due 4861/-,

Which i have paid in cheque dated 2nd /3rd Oct in HDFC Bank Bhandarkar Rd Branch amounting to Rs:4800/-

So when Called to Customer Service & enquired about this late Fees, the explanation that i have received is rediculas, the service executive told that its is the interest payment on Rs:61/-(Balance not payable) for a month.where every logic fails.

Request this complaint to be adhered by HDFCBank & reverse the additional charges levied.

Shailendra
[protected]

my self ruchika nizawanmy Emp Id is R11122. I was in HDFC Bank ltd. but under the Hbl global pvt. ltd. before 4 MONTH. I left my job. So please guide me how can i get my noc and ppf amount on my e mail address&mailing add is h/no 666 roop colony bakra mkt
near lemon factory karnal (haryana)132001

Dear sir,
i have given complaint regarding my money transfer to unknown person through HDFC bank account by third party transfer .
Still now there is no action on the person on which account that money got deposited.
When i will get money back .
i tried to give complaint in Mumbai police but they also refusing to take complaint against that person .
so please take some action ..
Thanking you
regards
Rajendra v Sakhare

hi guys
i am member of hdfc gold card holder.As i live in abroad.
but i use to pay everymonth bill ontime, as i couldnt recievd my statement or bill by mail, whereas i used to get everymonth.
hdfc people charged me 600, i dont know why?it should be reverse?

This is unprofessional service from the hdfc bank indeed.
i am peacedoffffffffff man.

I have NRE Account with HDFC, recently Rs.40, 000.00 has been withdran from my account fradulently, I got withdrawal alert on my e-mail and I called up to HDFC Bank-Mumbai to ask about this withdrawal, at first no body was giving me proper response and almost half an hour i kept on calling from Dubai to Mumbai by my Mobile and landline, at last I got somebody to reply and he infomred me that through my 'Debit Card' which is given by HDFC bank, cash has been withdrawn and somebody has purchased materials from some shop, cash has been withdrawn by ATM machine in Russia, I imediately same time asked customer service staff to block my debit card.

How can it be possible that anyone can withdraw money cash in Russia ? whereas I am here in Dubai, U.A.E. with my Debit card which is underlock and key. I have not been to Russia any time, even I have not given my debit card to anyone even to my wife so far to use it.

My Complain no. with HDFC is[protected] and enquiry ref. no.
A46660652.

Can anyone help me to get my money back to my account ?

I am looking for Indian government to interfere in this matter, I need RBI interference to this matteril, I want this matter must be interfered by bank associations in India and abroad.

I need assistance of a lawyer who can fight with my complain case.

This must be done by following things :-

a)Either HDFC computer syster has got error or
b)Some body has breached HDFC security system or
c)This is done in association with top employee of the company or
e)This is done with full knowledge to save some body in the bank.
f)Or This sidone to save to the bank from finalcial crisis and they are choosing NRI so that they will not complain to the right institution.
g)Or HDFC security system is not proper .

Who can be responsible for the above things, only HDFC not a customer like me.

I need help from all the quarters to stop fraudulent activities of this kind of bank.

I am fully sure that HDFC is fully involved in this kind of activities.

I am not going to leave any stone unturned to get my money bank. HDFC has to pay my money back.

Please help me if you can on my e-mail ID [protected]@yahoo.com, My name is Rajesh

dear sir
i have a personal loan from hdfc bank loan a/c no LAN12586790. some mr karan oberoi from classic ansal tower, new delhi having phone number[protected] calls me up for collection every time. he is rude to me every time in talking and would send collecting person first to the two addresses given by me for my reference at the time of my taking of the loan and then call me that the person is standing at my relatives place and i have not been picking up my phone, when my phone was never off or was never like that i did not answer the phone.

From,
Previn Vincent
Chennai – 600028


On 13-Mar-08 morning I found that a sum of Rs.38000.00 was unauthorizly transferred from my HDFC a/c to another HDFC a/c #[protected] who’s a/c name was given as Manuram Basumatari through third party transfer facility using my netbanking. Immediately I call HDFC Bank and filed phone complaint and the complaint number is[protected]. During my complaint the bank people said that the amount was not yet credited into the his a/c, but they did not take action to stop the transaction rather they asked me to come in person and give written complaint. Next moment I went to bank and given them written complaint and I asked them whether they have stopped the transaction or not but there reply was that guy has already withdrawn the money from his account which is absolutely bank’s lack of service.I was so tensed and shocked to hear that.

Next day myself and my wifewent and spoke with the branch manager MR.VENKATESWARAN for nearly 45min. He called that guy and asked him to deposit the amount within an hour for what that guys said he will do it, but till today I did not get the amount. Then the branch manager said there are only 2 possible was for this to happen either I should have accessed some phising emails or I would have given my username and password to someone. I strongly disagree with the above 2 options because I am also a software engineer working in software field for more than 9 yrs so I know the importance o[censored]sername and password and I am 200% sure I did not access any phising emails because I know what phising emails are.

What ever I was telling the manger was not at all bothered to take to his ears rather he harassed me asking me to accept that I accessed phising emails, he asked to to accept so that I will get back my money, since I don’t want o fight with him I stayed calm, in the meantime my wife became very dizzy and she was about to faint and was crying, on seeing this the branch manager wanted to somehow get us out of the bank so he said ‘Don’t worry sir you will SURELY get back your money and I gaurentee for that. He insisted me that he can claim insurance and get back my money with a week or 10days. So on hearing that myself and my wife was much relieved and came out of the bank. Only today I came to know that only because he wanted us both to get out of the bank he was giving all false information.

Next day we went and filed a CSR complaint at J5 Police station, Shastri Nagar, Adyar for the lost money. Station Inspector immediately called the branch manager and enquired for which the manager replied that he will take care and will return the money through insurance with a week or 10days, so 2nd time he gave assurance that through insurance he will get back my money. So I stayed calm for next 10days and after that I started to followup again.

During followup I came to know that banks risk department will take of these fraud cases so we both went to HDFC Bank, Nelson Manickam Road and met Mr.Gururajan Sampathkumar who was handling my case and discussed with him. He strongly said there is no such insurance for net banking and he don’t know why the branch manager told like that, he said we will get our money only if the guy is caught, on hearing this me and my wife were so (no words to say…..). After that we understood that the manager purposely gave false information about the bank inorder to get us out of the bank. After that we came back home.

Next day from my office I called one Mrs. Kavitha Krishnamachari working in HDFC headoffice located at ITC building in Mount Road and told her my story and that the HDFC besant branch manager told me about getting my money through insurance and I wanted to confirm that, she asked me to call after 30min, when I called her after 30min she said she spoke with the branch manager Mr.Venkateswaran and that told me that he never used the word Insurance to the customer. This again aggrevated our confidence about the branch manager who hold such a responsible position. After that we clearly understood that the manager is not a reliable person. I think he should not be in that position if he is that type of a guy who give false information to his customers in order to protect himself, he does nto know that he is spoiling banks reputation.

On 04-APR-08 the inspector of police called the branch manager and asked him the status for which the manager does not give him any responsible or proper reply and inspector told me that the branch manager is not even trying to initiate any anything from his side, he blindly trying to save his bank and he says that the customer lost his money because he leaked out his password, inspector also said the manager does not take any steps to solve this problem and he is not ready to do anything for you.

Myself, my country manager, my finance manager used to sending emails after emails to the manager to get the status but he never replied even once, my finance manager also said the manager has never replied even official emails because he don’t want to keep any email records.

Tommorrow 15-APR-08 I am filing FIR with Adyar Police station based on the complaint I gave at the commissioner office, I don’t who else can help me in this regard.

I am a ordinary salaried person so this is very high amount for me I cannot afford to keep calm so I am trying my best to retrive my money.

After this most of my office colleague have already disabled third party account, infact they are afraid of continuing with the bank. I think my company is thinking whether to continue the salary accounts with this bank or change to someother bank which again is a big black mark for the bank.

Yesterday I came to know about the RBI Ombudsman so immediately I called[protected] and spoke, they asked me to send mails to [protected]@rbi.org.in, based on this I am sending you all the details .I think this is the last hope for an ordinary citizen like myself. I hope you will do the needful for me .

Thanking you,

Yours truly,
Previn Vincent

After joining my present job, I opened a HDFC Bank Salary account through the HR at my workplace.
After the initial processes were over, the welcome kit of the HDFC Account arrived at my workplace. I discovered that the name printed on my ATM/Debit card was however misspelled. This as per me was a serious error which I brought to the notice of the Bank officals via the HDFC bank hotline.
After endless calls between me and the HDFC hotline where there is no accountabilibty/ownership of issue and absolutely no linkage between one call to the another some shift supervisor told me the below.
I was told that since this was a new account, in order to change the name on the Debit card, I had to give application to cancel the welcome kit and give another application for a new welcome kit which would include the card with the changed name.
Hoping to get to the end of it, I even did the requested re-application, though it was no fault of mine for the misspelt name.
After another big delay where HDFC reprocessed my application i got my new welcome kit.
I had the new card in the kit, but surprise, surprise HDFC Bank still managed to send me the new card with the MISSPELT name again.
From the start of my misery when i opened my account with HDFC Bank in July, to till date I am just hoping for a divine intervention which will solve my problem. I am still trying to get someone to resolve my problem. Each new day brings out a new person to whom i have to explain my issue all over again.

I hope such a large organization like HDFC Bank has some person who will tell me that "this my job and I will ensure that you will get the new card with the correct name by so and so date."

I hope that such a professional organization like HDFC has recruited some people who have the authority to tell me this.

Regards,
Nikunj Panchal

Dear Sir/ Ma’m

Loan Ref. No. – 13389700

I, Sumit Budhiraja, had applied for car loan in the month of June 2008. On 14th June 2008, I was paid visit by your representative for car inspection followed by office inspection. No reply/confirmation followed from your office.
On 25th July 2008, I received phone call from your side that car need to be inspected again. On 28th July 2008, car photographs were again taken. I was told reason, that nothing had happened on processing of my loan file, so the previous inspection report had expired.
Again no further response from your side.
Shockingly, on 9th August 2008, at 4:09 PM, I received a SMS at my mobile from HDFC-BANK, that my first EMI of Rs. 9276/- is due on 7th September 2008.

I demand an explanation that till date I have not received any communication/ confirmation and more so over, no cheque/ payment from the HDFC Bank, then how come you can demand EMI from me.

I wonder, which is this kind of banking, where without giving loan to borrower, the lender (HDFC) demands repayment.

I am completely baffled and frustrated at such a lingering and dark functioning of the bank. I state in clear terms, that you cancel this loan with immediate effect, I am not liable for a single paise payment to you, and if you people try to harass me, I would be forced to lawful measures against Bank.

You are advised to revert to me with the confirmation of cancellation of this phantom loan and return my documents at the earliest.

I have already waited for your response since June 2008 and now bullishly you demand EMI without disbursing loan to the borrower.

Sumit Budhiraja
CA, LL.B., M.Tech, MBA, MASE, MCP, B.Sc.

Sir,

Please check the below mails for details. I have booked a loan and lost my credibility and patience and not able to concentrate on my work because of this incidents and i want this to be resolved at the earliest. Please help me out on this.

I have all the documents with me but i dont know how to attach here.
[protected][protected][protected]
FW: Reversal of Auto Loan R Hari Prasad‏
From: Hariprasad raja ([protected]@hotmail.com)
Sent: 09 October 2008 14:43PM
To: [protected]@hdfcbank.com
Cc: [protected]@hotmail.com; [protected]@yahoo.com

Security scan upon download
1.jpg (435.9 KB), 2.jpg (214.2 KB)
Hi

Please check the below mail which was sent on 10/06/2008 but i have not received any reply till date from them So please check the below mail with attachments. Please make sure that this issue is closed ASAP else i may need to go for a complaint in complaintsboard (Under RBI).

Thanks
Hari

[protected][protected]
Dear Mr. Prasad,

Thank you for writing to us.

This is with reference to your e-mail dated October 06, 2008.

We are unclear on the nature of your query on the basis of the contents of your mail.

Please elaborate on the same in your reply so as to enable us assist you at the earliest.

Awaiting your response.


Warm Regards,
Sandhya Nair
Customer Support
HDFC Bank Ltd.



[protected][protected][protected][protected]


From: [protected]@hotmail.com
To: senthilnathan.[protected]@hdfcbank.com; sivaramakrishnan.[protected]@hdfcbank.com; tw-auto.[protected]@in.hdfcbank.com; jovial.[protected]@hdfcbank.com; [protected]@hdfcbank.com; kalpesh.[protected]@hdfcbank.com; [protected]@hdfcbank.com
Subject: FW: Reversal of Auto Loan R Hari Prasad
Date: Mon, 6 Oct 2008 09:17:23 +0000






Hi,

I am Hari Prasad from Chennai (Car Loan Ac#[protected]. For my wedding day (07/09/2008), I have booked for an Alto LXI car at Kapico Motors on 31/08/08 and subsequently booked a loan with HDFC thru Mr Vijay (HDFC Loan Executive) for an amount of Rs. 2, 20, 000.00. The loan was approved and an amount of Rs. 2, 10, 596.00 was sent to Kapico motors on 05/09/2008. Since the service provided by Kapico was not satisfactory and since I was very much disappointed with them I thought of canceling the above loan so I tried to check with Mr Vijay about the cancellation procedure but Vijay was delaying many days by not picking the call and then by saying that he went to outstation and will be back tomorrow (likewise delayed for nearly 5 days) and I thought speaking with this guy is worthless and I went to T nagar HDFC Bank loan division GN chetty road and I have cancelled the above loan on 16/09/2008 by paying an amount of Rs.1000.00 and as per the person at the loan division my loan was booked under the name of Mr. Illavenil Subramaniam. So on the same day I went to Loan processing division at Nelson Manickam road and met Mr Illavenil Subramaniam and issued the copy of the cancellation letter and the challan for Rs.1000.00 (that I paid towards cancellation charges).

I continuously called Mr. Illavenil Subramaniam to check on the status but he was not picking the phone and i[censored]nfortunately by mistake if he attends my call (Since he doesn’t pick up my call when I make call from my mob# I used to call from my friends or my dad’s mob #’s to speak with him) he used to say that it will be closed in 2 days but he has not made any steps to close this loan so I have called Mr Diva Shanmugam and Mr Kamala Kannan @ HDFC Anna nagar branch they were the guys who referred Mr. Vijay to me and they have called Mr Illavenil and Mr Vijay on this but there is no reaction from Mr Illavenil or Mr Vijay. I have again visited and met Mr Illavenil but the reply was the same.

Suddenly One day Vijay called me and said that the Auditing is going on in Nelson Manickam road branch and he is not allowed inside the Premises so asked to put pressure on Illavenil Subramaniam to close the above loan and also the bank is holiday for 3 days (30/09, 01/10, 02/10) and else the first EMI will be coming to my Bank account. Since Illavenil was useless and not even attending the customer with proper response and treating me as a fool, I thought it will good if I can go again to T nagar branch to know the current status and went on 27/09/2008 and as per gayathri at loan division the amount that have sent to Kapico have not been refunded yet to HDFC (This is the status that I got) So again I went to Nelson Manickam road branch on the same day to enquire the same and met Mr Illavenil, he again received a copy of the cancellation letter and challan (as if I came for the first time) and went in and then came out after an hour and said that they will be receiving money back from Kapico on Monday 29/09/2008 and asked me to call on Monday.

I have raised a complaint to the Maruti Company on 27/09/2008 saying that the money is not refunded to HDFC by Kapico and were delaying unnecessarily.

Again I called on Monday but he has not picked my number so I again tried to reach him on Tuesday and I reached his mobile and he said that on Monday (29/09/2008) they received the money back from Kapico and it will be closed and I have to give a cheque for Rs.1659 as the interest towards the loan amount and since 01/10 and 02/10 were holidays he said he resides at Anna Nagar and will collect the cheque from me and asked me to call on 01/10. But when I tried to reach him on 01/10 & 02/10 he has not picked the phone. So I went again to Nelson Manickam branch on Friday (03/10/2008) and met Mr illavenil, he said that the interest amount has been increased and I have to issue a cheque for Rs. 2029 and nothing can be done. I enquired him that when the amount was sent automatically to Kapico by Fund transfer by HDFC (from your end) and I have not given a cheque or DD for this amount of 2, 10, 000.00 why not this amount can be retrieved from your end but Mr Illavenil said it is not possible to do like that and they have delayed it unnecessarily and they got the money back only on 29/09 then I asked him that you have told me that you will collect the cheque on 01/10 but since there was no response from you I came today (03/10) and atlast he agreed to that and got the cheque for Rs. 1659. I want to highlight you one more thing when I was sitting in the room Mr Illavenil received a call from the General Manager ABT Maruti and was shouting him because of poor service done by Illavenil and after the call was disconnected, Illavenil was shouting and scolding that GM with very bad language sitting in front of me. I was very much shocked in hearing such words.

On 04/10/2008, I received a call from Ms Viji from Kapico saying that they have sent the advice on 18/09/2008 to HDFC and they have not delayed from their end.

I want to bring the below points to your notice –

When the money is sent back to HDFC on 18/09/2008 why your guys said that they have not received the money back and they received it only on 29/09/2008.
Not picking the customer phone calls and not giving any proper response to the customers.
Not taking any steps to close the account, unnecessarily delaying things.
Collecting more money thinking that customer should be penalized or suffer by charges.
Collecting the documents (Cancellation letter and challan) and not reacting to that and asking to submit again.
Booking done by Vijay and was booked under the name of another person Illavenil without the customer knowing the fact.
Using bad languages on the customers in front of another customer.
When the money is sent back to HDFC on 18/09/2008 why did your guys said that they have not received the money back and they received it only on 29/09/2008 are you making fun of me or you guys making money out of me is that not cheap to lie a customer when you have received the money back. Such a big Worlwide fame HDFC bank is handling customers like this and cheating customers like this. Actually your guys used to say that I am a classic customer of yours but I feel ashamed of being a customer of such a Bank with Employees having very bad attitude and treating the customers very cheap I have account in other banks also but I have never, ever seen such bank employees like Illavenil or Vijay. Please have genuine person in your bank who respect others and handles the customer in proper way.

Please find the below attachments –

1. Cancellation letter (1.jpg).

2. Challan for Rs.1000.00 (2.jpg).

3. Mail from Ms Viji (Kapico Motors) (See below)

Hari Prasad








[protected][protected][protected][protected]
From: [protected]@kapicoindia.com
To: [protected]@hotmail.com
Subject: FW: Reversal of Auto Loan R Hari Prasad
Date: Sat, 4 Oct 2008 16:40:03 +0530


Dear Sir,



Pls find the advice which we have sent to HDFC on September 18th.



Regards



Y. Vijayalakshmi

Sales Manager




[protected][protected][protected][protected]

From: Srinivasan [mailto:srinivasan.[protected]@kapicoindia.com]
Sent: Saturday, October 04, 2008 4:21 PM
To: 'VIJI'
Subject: FW: Reversal of Auto Loan R Hari Prasad
Importance: High





FYI


[protected][protected][protected][protected]

From: Raja [mailto:[protected]@kapicoindia.com]
Sent: Thursday, September 18, 2008 1:05 PM
To: 'Niranjan'
Cc: 'Narayanaswamy'; 'Srinivasan'
Subject: FW: Reversal of Auto Loan R Hari Prasad
Importance: High









FYIP



Thanks & Regards

R.Raja
KAPICO MARUTI
NO.309, POONAMALLE HIGH ROAD
KILPAUK, CHENNAI - 10
Phone No : 42859970
Mobile No:[protected]




[protected][protected][protected][protected]

From: Raja [mailto:[protected]@kapicoindia.com]
Sent: Thursday, September 18, 2008 11:48 AM
To: 'Senthilnathan.[protected]@hdfcbank.com'
Cc: 'Sivaramakrishnan.[protected]@hdfcbank.com'; 'tw-auto.[protected]@in.hdfcbank.com'; 'Jovial.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'; 'Jovial.[protected]@hdfcbank.com'; 'Kalpesh.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'
Subject: Reversal of Auto Loan R Hari Prasad
Importance: High








Dear Sir,

Loan A/c No 13769714 Cus Name Mr R Hari Prasad.


The Customer has cancelled the Vehicle due to some personal Reason. Please reverse the Loan amount in our Inventory Funding account.

We have received the Amount of Rs, 2, 10, 596/- From HDFC

Please do the needful.

Thanks & Regards

R.Raja
KAPICO MARUTI
NO.309, POONAMALLE HIGH ROAD
KILPAUK, CHENNAI - 10
Phone No : 42859970
Mobile No:[protected]

'Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise .The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd. '

On 4th of October 2008 while trying to withdraw amount of RS 4000 from ATM centre at kochi at the last moment it showed an error.I did the transaction again for the same amount.Again it was showing the same error.I thought it may be error with the machine.So i went to another HDFC ATM which was near by.When i tried to withdraw the amount it was showing i don't have sufficient balance.When i took the mini statement i was suprised to see that amount of 8000 has been withdrawn from my account eventhough it showed failure of transaction.I reported the matter to customer care on 4th itself but they havn't responded back yet.What i'm supposed to do next.Please advice.

Thanks & Regards,

Vibindas

this is regarding the clearance of my name from CIBIL as i have already cleared my two wheeler loan 5 months back and also got no objection certificate from HDFC Bank and still when i apply for the credit card i got a letter stating that my name is figuring in CIBIL i do not understand why still it has not been updated, I request you to kindly clear my name from CIBIL and help me getting a credit Card .

Regards

Rafiulla Sharieff

I had a credit card from HDFC. I used it for around 2 years. I have to make some payment to them. Outstanding amount is 90, 000. With interest, late fee and overlimit charges and all other charges, where the principle amount is just 32, 000. I have total purchase of 119, 000 and I have already paid the bank Rs. 80, 000 by paying minimum amt.

Now these people are harassing my family members a lot. Please tell me what can be done. I am ready to settle with matter for 30k and thats what I can afford. Kindly revert. Thanks.

respected sir

i request that i got me p.f account number plz tell me how is possible plz tell me as soon as possible


thanking u
sandeep khullar
[protected]

I am employee of HDFC bank in marketing sector.
I was appointed on 1 July 2008 as a Contract sales Executive.
My job code is CG09067.

I worked with this bank till 15 september 2008.
The matter is that i didn't receive my salary yet.
Which i am legally liable to get.
My one months salary is RS.6500
And my 2 months and 15 days salary is remain which is not given by departmet.br...

This is on behalf of my wife who has an account with HDFC Bank, Mumbai.. She has a credit card of HDC Bank as well. Earlier there were some dispute regarding the amount due on her credit card. We had sent reconciliations of the amount due and numerous letters. We requested the bank to sit across the table to reconcile any differences. But the bank did not respond at all. Meanwhile, her salary bank account has been frozen by the bank without even intimating us and the bank threatens to debit the account for the outstanding dues. The collections head at Andheri E refuses to respond favourably to any efforts from our side to reconcile and unfreeze the account. I am sure the bank does not have any authority to unilateraly decide freezing of the bank account without intimation. Can you help me in this matter and the future course of action. Regards Shriram

HDFC bank has created lein on savings account claiming due on credit card, which was fully due to the charges and interest charged. They appear to have found an easy way to enhance collection. Beware bank users these banks gets signature on dotted lines and behave uneithically. Customers beware of the practive adopted by the bank.

Let be brief the plight of my savings account and credit card account. Bank issued a credit card propagating as a privilaged saving bank customer for many years. For certain months it was going fine but they started charging interest, other charges claiming one reason or other. Upon speaking to their customer care, explaining the reasons, they agree to reverse all the charges. It was only a momentary happiness as I found the bank reversed only a partial reversal but continue to charge interest on the rest of the amount. Again spoke to customer care who agreed for making corrective action but failed yet again. All the promises of the banks customer care were not fulfilled but the bank contine to charge interest and other charges. They have debited my savings account in April without my knowledge and now without any official intimation in writing they created lien on the savings account.

Beware while signing dotted lines.

The bank claims that it understands customer but alas !!! it has failed to understand its own customer care officials promises/ commitments made during customer interactions and penalising the customers.

S.Ramakrishnan