HDFC Bank Complaints & Reviews

Hdfc Bank Cr. Card Is A Very Worest CArd.
They Can Not Provide Least Primary Services To The Customers.
They Always Charge Extra Ammounts In Statements And After Lots Of Affereds They Revert That Improper Ammount.
If Any One Not Cheak His Own Statement Properly, They They Make A aBig Fool.

If We Want To Complint About That Case, Where We Can Do...
Plz Suggest Me.

Nitin Aggarwal
[protected]

Hi,

My Name is Puneet Dhandharia, I have an salary account in HDFC bank. I received a salary of Rs 42711.00 for the month of May 08 & was dirctly credited to my HDFC account by my company.

After receiving the salary i removed some 15k from it & few ECs has also cleared, but suddenly one day when i required some amount of money for my wifes medical check up the account started showing -50 Rs in my account.

when i checked up with the bank they rudely told that they have blocked my salary account against my credit cards due with out even informing me.

Also the credit card customer care started abusing me on the same, when i informed that i have done a settlement for the credit card dues & i m regularly paying it but they didnt even listened to me.

As its fact that one should not have any account in any banks as they are cheater, People like us who work the whole month & work hard to earn and such banks they take benefit from us.

I m very unhappy. as we made the banks for our security but now the security itself is a hazzard to our life.

I will go to the consumer court for the same lets see whether the they will help me or they will also react in the same way.

Please help me i m a poor men.

Regards
Puneet Dhandharia

This complaint is against the bank credit card division .
The complaint is specifically against the collection department of hdfc credt cards.

I took a card 2 years ago with a withdrawl limit of just 25000 including the cash limit.

The payment were regular from my end till 1 yr and 6 months., but after that I noticed that even paying extra instead of the minimum amount mentioned the principal amount keept increasing.
For eg. the last payment made by me was 2400 / and at that time the principal amount was 28000, ( OVERLIMIT), and secondlty when i received the next statement to my astonishment the amount had become 30, 150/-.
The irony is that I had called the call center to block my card immediately since I though it was stolen. But later I found the card, and the customer service did not remove the block saying that my outstanding amount was too high.
I have not used this card for more than 9 months now and even fafter the payments made which i know would have summed up to 32, 000/- atleast, my pricipal amount still stands at 30, 150/-
I stoped payment when the bank started sendig third party collections although I was regular with my payments and had excedd the amount way beyond I had used from the credit card.
The third party name "ViKAS ASSOCIATES" start sending collecyion boys at my resudence and they used all kinds of abusive language one can know. A few days say arround 25 days ago, the frequency of the guy comming for collection has increased from one per day to 7 times in a single day, and every time they come in a different pair.
I there fore have decied to lodge a formal complaoint agaisnt the third party collection agency "VIKAS ASSOCIATES' and drag HDFC bank to cout because of the abusive email sent by an HDFC employee himself working with the collections department.

I had taken a credit card with HDFC [silver] with a credit limit of 25000/-including the cash withdrwal.
I have been a regular paymaster for one year.
But by the end of 2007 ; the outstanding amt which had never crossed 25000/-...should me an outstanding of 34, 553/-

After seeing the statement, J immediatly blocked the card.

I have paid 22000 till date but the outstanding amount or the settlement amount has now become around 40, 000

The worst part the started sending 3rd party collection agency...that have been using abusive language and even talk in threating manner, and also have now started giving threatjng emails...

Puneet Uppal

Hi,
On Jan 2008, I applied for home loan in HDFC, (Shahunagar, Chinchwad, Pune).
I got a confirmation from HDFC for amount 15 Lacs.
I kept on searching home in pune and unfortunately I didnt find the desired home. Now, I have changed my plan because of some personal reason and asked HDFC to refund my amount which was paid for or as a processing amount (Rs. 5432).
On the same day I was told that the amount will be refunded back to you and only Admin charges will be deducted, which are very much nominal. They told me that only 700 Rs will be deducted.
Today I got the cheque and I found that they have deducted Rs.2000. I asked them the reason but they didn't tell me the reason. They wrote on one paper that the deduction amount is approximate 2000 Rs. and the reason is education tax and cess tax. I know the amount for which I wish to blame on them is very smalll. But, money does matter and a consumer have a right to know the rule for which they resisted me.
Could you please help me to get the justice.

[protected]

Hi

Recently some HDFC executives - Kannan[protected] & Priya ([protected]) had approached me for personal loan. Since, I was in need of money (up to 6 lakhs rupees), I accepted. But they told me that I had only 3 lakhs rupees of loan eligibility. I told them, that this amunt wouldnt be of any use to me and rejected the offer. So, the HDFC executives told me that they would arrange another 3 lakhs rupees of loan from a different bank. I said, if that is possible, then I would take the loan. And I recieved a call from a (so called )citi bank agent and she told me that I can take 3 lakhs rupees personal loan from citi bank and another 3 lakhs form hdfc. So I agreed for Citi bank @ 16.5 % diminishing method and HDFC @ 15.5 % diminishing method.And I signed the forms.
The HDFC agent told me that the processing fee would be 1%.
I recieved verification calls from HDFC. And the lady who had called for verification told me that the processing fee was 1.5% and I told them that it was supposed to be only 1% as the executive had promised me. She then told me that she had changed it to 1%. Meanwhile I dint recieve any verification calls from citi bank. When I called the executive Gayathri ([protected]), she dint pick up my calls most of the times and when she did she would tell me that she would call me back and never did so. One day, I got an SMS from HDFC that 243000 rupees was approved for me and I told the executives that I dont need this loan because unless I get the amount needed, I cant make use of it. The executive promised me that he would try again and brought some forms and got them signed from me and alos made me write a letter to HDFC stating that this loan amount is not enough and that I need a larger amount. At the same time, he also got 3 cheques from me (In fact he first asked me to give him 3 blank cheques. I firmly refused it) with HDFC bank written across 'Pay' and crossed. But, I initially questioned him as to why he was getting the cheques from me when we were yet to get the loan amount that we were newly quoting. He told me that he cant proceed futher with this higher-loanamount-quoting without these cheques. So, I gave him the cheques. The very next day, I got a message from HDFC that 243000 rupees has been credited in my account(27th of Sep). I was shocked . From that day on, The HDFC people are not picking up my call (both landline number and mobile number). Today (30th Sep) I got the letter from HDFC that gave my loan statement saying that the actual loan amount is 248000 and that they have deducted for this and that and the amount credited is 243013 rupees. The processing fee is 1.25%. These people have cheated me. They had actually not tried for a higher amount at all. It was only an eye-wash. Both the citibank girl and the HDFC executives are not picking up my calls. I dont want this loan at all as this wouldnt help me for my business.

I did not receive credit card statement from last 2 months

Hi i hav just booked an avenger 200 bike on 1st of september through hdfc two wheelerloan and till 29th of sept i hav not got my bike neither they dnt respond to me properly i hav e never ever seen such a bad customer centric bank....

HI,

This is very bad experiance i have.hdfc bank persional loan is very bad service loan.actually for personal loan it takes max 10days but in hdfc it is almost 1month but still i dint recived any check.for status if i called to executive he said that beacuse of intreset rate issue it is pending.actually file is logged in at 20% interest rate, but now they are saying that file is kept in pending because of the interest rate changed now.they are forcning take the loan on increased loan.they have taken checks and agreement and they are saying they cant give the checks back.very bad service.

i suggest others not to go for HDFC bank for any purpose.not only for personal loan but also credit cards.they will charge unnecessary charges.
if any right person is there to take action on hdfc bank.please do that.hdfc employees should know that people are not apply for any thinks for just like that.they should know the problems and issues of coustmors

HDFC is the worst personal loan providers.they will think the customer as fools.they will do delay and keep the responsibilities on customers.not only in personal loan in credit cards also.very stupid service is hdfc banks.i have applied for persional loan on 8th of sep.but up to now i dint get any money.they are pening the issue.they are playing with the customers.customers wont keep p loan for just for fun.they should have seriousness in there work.

i suggest don't take persional loan in hdfc bank.not only personal loan.don't apply for credit cards also.

Hi,

I have used my HDFC debit card to pay my hospital( ACURA SPECIALITY HOSPITAL, KORAMANGALA, BANGALORE) expense amount of Rs.1, 500/-
Though I had enough fund in my account, while swipping it says as "NETWORK BUSY" and sometimes as
"INSUFFICENT FUND". I tried for 3 times but same again. so I tried another debit card(ABN AMRO), it was success at the first attempt itself.

But later i come to know that money have been taken by HDFC bank also. After contacting hopital admin incharge reg the problems, they said that there is no statement for this transaction in our end, and they also confirmed with all the possible ends.

So i contacted HDFC bank customer service, and i lodged the complaint regarding the same. They said it will take 35 working days to refund the money back. It's already 20 days gone. When i will get back money back?

When i called to Customer service, automated voice says as "our person busy in other call pls wait...". and call is diconnecting after 2-3 minutes for most of the times.

This type os service is disgusting.

pls kindly help in this regard?

Can i go for any Court regarding this issue?

Regards,
Sundaram
[protected]

sir i was employee of CBOP and joined in july2007 and left june 2008. my employee id was T-18766. because CBOP has merged with hdfc bank so no person is not taking responsibility of form 16 o[censored]s. no one tell who will issue form 16.i contacted many times and request to hr but they are not issuing form 16. i have to fill myITR so i need form 16. pls help in this regard.pls take it on priority basis. i will thank you by heart.pls solve this problem as soon as possible. Thanks & regardsRajinder kumar[protected]

I transferred fund from hdfc bank to canarabank debit visa card as on[protected] through visa money transfer. i already complaint to hdfc and canara banks for that purpose. canara bank verify and check the details about that transaction. canara bank told their debit visa card only for withdrawing money and purchase of products and goods. There is no way to credit any amount in that debit visa card sir, so their side is clear. but hdfc is not clear sir. HDFC debit my amount at the time of transaction but that amount is not credited in my canara account.if that amount is not credited in canara account it will be automatically return back to my hdfc account( their norms) within 3 days.but now it take more than 8 days sir. my transaction reference number is 8994A1.

From: Srivastava, Alok
Sent: Wed 9/24/2008 12:31 PM
To: aditya.[protected]@hdfcbank.com
Subject: FW: Urgent and Confidential SB A/c No.[protected]


Dear Mr. Puri,

I trust that you will look into my following issues which I am facing since Six Months and none of your officers have addressed my concern to my satisfaction.

1. My Net banking is locked for the last two weeks but still unresolved despite follow-up with Customer support Supervisor and Your Nodal officer pls refer to detail mail below.

2. Your bank credit card department misbehavior and negligence has troubled me lot. They have debited unauthorised transaction on my card ([protected]) and as a result my card has become over limit and they have started demanding outstanding. This is not end to my mental agony now bank has raised statement with new card No. and forfeited my reward point of old card also they did not send card physically to me.

3. Intentionally dishonored my ICICI credit card cheque twice even though sufficient fund was in my account as result I had to pay huge penalty to ICICI card and my credit rating has degraded.

If need be I can provide all the detail.

As I am corporate customer I thought as a last resort I should address my concern to you before going to other legal authorities, I am sure from your busy schedule you will look into my problem. If despite my request, I will not receive any reply on my concerns in three days I will be forced to look for other options to address my concern.

Regards,
Alok Srivastava



______________________________________________
From: Srivastava, Alok
Sent: Tuesday, September 23, 2008 11:57 AM
To: 'shrinivas.[protected]@hdfcbank.com'
Cc: '[protected]@hdfcbank.com'
Subject: RE: SB A/c No.[protected] Customer ID 1396197

Hi,

I feel it very sorry for HDFC Bank management that even after escalation to Nodal officer things are not getting resolved after four days and still my net banking login is not unlocked.

Now I have two options either I escalate to MD level or highlight to media about inefficiency of Bank customer support.

Regards,
Alok Srivastava

Srivastava, Alok
Sent: Friday, September 19, 2008 5:47 PM
To: 'shrinivas.[protected]@hdfcbank.com'
Cc: '[protected]@hdfcbank.com'
Subject: SB A/c No.[protected] Customer ID 1396197
Importance: High

Sir,

Its looks like to me your Customer care desk is non functional as I had made call on 17th Sept 08 at 13.50 PM and spoke to Supervisor Ms Sandhya Malhotra regarding my Net banking Locked and I was informed that it will be working within 24 Hrs but I am sorry to inform it is not working.

Can I expect a action form you as I am getting frustrated, I had tried Number of times Bank Customer care desk but always I do not get any result.

Regards,
Alok Srivastava

i have been using hdfc cards, due to improper monthly statements i decided to close the card, i got a settlement of rs31000/- which i paid.
but now they say that the settlement is invalid and there is an outstanding of 40000/-in my account .
please give me a solution.
thank you adyar vikram

To HDFC Corporate,

Myself, P Mondal, from Tata Consultancy Services, Kolkata wanted to go for an equity based investment without life coverage at the end of February’ 2008 and for that reason I came across with one of your Investment agent “Jayanto Paul (+91-[protected])” of HDFC SLIC, CR Avenue, Kolkata. I wanted to simply do investing for Rs. 60000/- as a single premium in any sort of Equity Based Fund without Life Coverage. But, he insisted me to invest 25000/- in 3 years premium basis and described that policy as follows:

1. It would have almost no charge and 100% of the money would be invested in the market.
2. No Life Coverage will be there as per my requirement.
3. After 1 year, if I am not able to give the premium value, no problem will occur.
4. After 3 years, I can withdraw my full amount of money and no further premium will be needed to pay.
5. After doing the investment he will come to me with a form to be filled up by me for getting online statement.


I felt good about the offer, signed the forms, and gave him cheque. Afterwards, Mr. Jayanto Paul became totally vanished. When I tried to call him for bringing the IPIN forms to us (For any further clarification, you can talk to Mr. Sunil Kumar Singh ([protected]) and Mr. Gopala Ulisi ([protected]), they are also having almost same issues with Mr. Paul), he used either to not pick up my phone or make his phone switched off. For the last two months in the morning time he is committing to come in afternoon, in afternoon when I am calling him, he changes his commitment to come in the evening and in the night hours, he makes his mobile switched off. Finally we downloaded the Form from Internet and submitted to Salt Lake, Sector-I, HDFC SLIC, Kolkata Branch.

Whatever I have briefed above is not something serious. But, later I understood why he did not bring the forms to us to get online statement, when at the last week as a result of my submission of IPIN Form, I received the statements of my Policies. I became tremendously shocked with the details (Policy Number 11661989, every thing is fine with[protected]. Immediately I called the helpdesk and now I can conclude something about the policy as follows:

1. 60% of my Premium has been deducted as Admin Charges and only 40% of Premium is has been invested in market.
2. It is actually an Insurance Plan with life coverage.
3. After 3 years if I withdraw my money, 15% will be surrender charge.
4. Maturity period is 5 years, not 3 years.



Based on the entire incident above, I have the following doubts about your Fund’s Professionalism:

· Instead of repetitive request to Mr. Jayanto Paul for an investment with single premium in Equity Based Fund without Life Coverage, he made the investment, which not at all I meant for. Now, you should not ask me why did I not go through the document before signing the forms. If you say this, then HDFC SLIC does not have any difference with a CHEAT FUND. I have already LIC coverage of 25, 00, 000/-, so, why should I go for another LIC which will have coverage of only 1, 25, 00/-. Does it make any sense? I had some extra money, which I wanted to invest in market with HDFC SLIC in order to get higher returns. But, you see what I wanted and what happened. The whole matter reveals the fact that either your management instructs the agents to cheat the corporate peoples not bothering about the brand names or they do not educate well the agents before dealing with corporate world.
· At the time of investment, the Mr. Jayanto Paul told me the charge is almost nil, while after getting the statement I found it is 60% of the first Premium. I do not have any objection against your 60% admin charge and other condition not conveyed to me my Mr. Paul. But, if you are really one of the top rated mutual funds in India, then why do your agents hide the things before client?
· After getting the statement, I asked Mr. Paul to clarify the stuffs and as he was unable to do that, I requested him to forward the call to his Branch manger. But, instead of my request, Mr. Paul denied to do that. Then directly, I tried to call Branch Manager of Girish Park, HDFC SLIC, Mrs. S. Gyan[protected]. Nevertheless, I found talking to a Branch Manger of HDFC SLIC is nothing but of a hard luck. Several times, I called her but not for a single time she was available. In this week, at least I called her more than 20 times and not for a single time I found her over telephone. Whoever was picking up the phone after listening my name either cut the call or told me the absence of Mrs. S Gyan. So, being under HDFC Family, how much scope you provide to your clients to directly talk to your Top Level Management? If I would have been provided to talk with Branch Manager, I would not have raised the flag with this mail.
· I gave Mr. Paul one reference (My friend Mr. Amitava Choudhury of CADS INDIA, +91-[protected]) who wanted to go for long-term investment with a premium value of around 60, 000 to 70, 000 (Better you listen from him). But, after listening all those stuffs, I am sure he will be hardly interested to go for investment with HDFC SLIC, because, he will also be scared enough thinking about misusages of his policies. It is shame for any Investment Company that client called an agent for investing money and Company’s agent cannot reach to client because he has misused the referees’ policy. This CR Avenue, Kolkata Branch of SLIC is so non-professional that they cannot step to the right thing to get the business expanded tomorrow.


I am not sure, whether you will praise Mr. Paul for arranging an investment for Three Years rather that 1 year from me. But, Frankly speaking, I am expecting call from your management level (Not from Customer Care Executives) to explain me why all those unwanted things happened? Is the Brand Value of HDFC SLIC so cheap, that any time any employee of your company can customize and misuse it in his own manner? Moreover, how much you conscious to maintain your Worldwide reputation and Banner Name? I hope being a well-known and worldwide reputed company, you will do some needful in order to prevent the downward movement of HDFC SLIC’s customer satisfaction.


Thanks in advance,
Regards,
P Mondal

Account number : [protected]
Name : N Satish kumar


I had opened an account with your bank on last August 2008. For that I was provided with a ATM Card. Even though I asked for an International Debit card, I was provided only with that. Then, when I approached the branch, they said that the card was given to me was the Debit card. But recently I found that the card is just an ATM card and not a Debit card. Last week (17th Sep 2008) when I went to meet the Manager of the Branch, he promised that the Debit card will reach me in 4 working days and he got the signature from me also. Then I didn’t get any information on that so I visited the Branch yesterday (25th Sep 2008) to enquire about the same.

The way the Branch Manager and the other staff spoke to me was in a very rude way and it shouldn’t happen to anyone in near future. I was shocked to see those types of staff in a very respectable positions. So far whatever I had imagined about the HDFC Bank’s reputation was completely wrong. Because of the manner less behavior I took the form for closing the account and filled in all the details for closing the account. Your poor service was the only reason for this. After I came out of the Branch, around 7:30 I got a call from the Branch to my mobile number stating that my PIN number reached the Branch office and they asked me to come and collect it. Because of the mental agony and indigestible behavior of your staff, I couldn’t take any decision.

Today, once again I got a call from the Branch (called by Ms Latha and the phone number is[protected] around 4:45 and she asked me to come to the Branch and collect the Debit Card and the PIN. I replied that I had submitted the closing form on the previous day itself and the time is already 4:45 pm. For that she said no problem you can visit the branch and collect everything. So I went to the Branch at around 5:30pm. For more than 20 minutes I was not allowed inside the office. When I called up the same number from where I was called, no one is answering. But the watchman came and told me that nobody from the office called me at all. Finally as the Lady(Ms Latha) happens to come outside, I asked her why she called me and why they not letting me inside the office? She said that my account was closed by around 4:00 pm itself!
If they finalized to close my account, why they called me?

When these kind of things happens to a well educated, holding a good reputation in the city and heading a business worth 15 Crore turnover per year. I couldn’t even think about the poor citizen in this country. I know that you will not take any action against this.

I can open an account with any other Bank in this country. Soon you will realize the cost of losing an existing customer.

After seeing one branch in a big city like Coimbatore, I have decided that even other branches also will be like this.

Dear Sir

My Debit card captured in HDFC ATM Machine Malviya Nagar (New Delhi) on 5 Sep 08.I called up customer care number and HDFC Rep told me to block this card and apply for new card as bank is not responsible for any misuse of card (Usually if card is captured in ATM machine of same bank than bank assures that it will not be misused).I blocked the card and raised the request for new card on 5 Sep 08 at HDFC Bank Udyog Vihar Gurgoan.The bank rep told me raise the request for address change also as the address in HDFC bank record was not changed and assured me that you will receive card on the changed address in 7 working days.I waited for 7 days and again called the customer care number that I have not received my debit card ( I have received my PIN number on changed address on 13 Sep 08).They told me that card was sent on address (As per the earlier records of HDFC Database) so it was sent back to HQ.So the logged my Complaint no[protected] and assured me that I will receive my card in next 7 days at changed address and dispatched my debit card on 18 Sep 08 through Express IT courier AWB [protected].As per Customer care my address is updated in HDFC data base on 12 Sep 08, But when I called up the courier services to my surprise they told me that card is again sent on the same address so they can't deliver on new address without bank permission.I again spoken to customer care they again given me a new complaint number[protected] and with new promises.I have my salary account with HDFC only so I am facing a lot of problem.I have never expected such a irresponsible response from such a Big/Organized Financial Organization.

Thanks & Regards

Naresh Kumar

respected sir,
sir my name is umakant joshi. i am your credit card holder my credit card no is:-[protected] this is 2 nd request to you that i want stteatment of my credit card account immediatly..
you can send the stteatment on my email address ether on my followed residesial address...
add.:- C/O V A AUTI, PLOT NO. 13, RANJEET NAGAR, OPP CALDA CORNER, SHREYANAGAR, AURANGABAD...
And my email id :- [protected]@rediff.com
my contact no :- [protected].
my credit card no.:-[protected]

And i hope that this time you can take my request serriusly...

Hi,

I have been with HDFC Standard Life from August 2006 to May 2007 in your Gariahat Branch as a Sales Development Manager.

I have submitted a withdrawal form of Providend Fund in January 2008 with your Regional Office (Eastern Region), but till now the money has not been credited on the given Bank Account.


On this issue I have visited so many times to your Kolkata (Regional Office), but did not get any proper response from anybody.



My PF NO is: MAH/8163.


Kindly do the needful immediately




Thanks & Regards
Amit Kumar Jha
Kolkata
[protected].