HDFC Bank Complaints & Reviews

I have taken loan from HDFC around 5 years back in Floating Interest rates but they are charging me with a rate of 14 % p.a. and giving loan to new customers at 10.5 % p.a. and when i inquired they say that the interest rate will be as per RPLR of the company. i think this is not fair way of doing business and is cheating the public.
Can anyone help me to show me the way to get justice on this.

To,
Mr Abraham J
asst, manager -customer service,
HDFC credit card dept.

SUB: NON PAYMENT OF OUTSTANDING AMOUNT

Dear sir,
This is with reference to your letter dated 30th apr 08 which i recieved on 24th may 08 regarding cancellation om my credit card no. [protected]. The letter says that i have an outstanding amount of Rs 114/- but i would like to get it to your notice that I HAVE NOT RECIEVED THE ABOVE MENTIONED CREDIT CARD hence i had requested a cancellation. But inspite of that i recieve bills for the same and now you tell me i have an outstandind amount for a card that was never delivered to me leave alone using it.
Please note that this is my last communication to you as this issue has been a constant reason for mental torture for me as i have called customer service N no. of times for the same. Also please see to it that the bills of the card that are still sent to my residence stop immedietly.
Hope suitable action is taken as soon as possible. Thank you.
Regards,
Ms. Jhumma Mitra.

Hi Friends. I am new to the world of Credit Cards. For the past few months a sweet female voice started torturing me over phone to get a Credit Card. After a 100 calls, I agreed. then the agony began. These guys asked me the same bull question 100 times. asked me to spell my residence, permanent and local address. I was really irritated and once shouted that I do not need the card.

Then on Feb 25 or so m the card came to my office address. But believe me till this moment I have not got my PIN. They say I can pay within 50 days w/o interest. But this period is not 50 days, but only 30 days. . Just count and check.

Now they have not even sent the PIN. They claim to have sent it to my office address which I never got. I do not want any communication to my office address. The only thing I got was the stupid statement dt 14 March 2008. If I had not found that statement I would have been penalised.

Now I learnt how they work. They delibrately make the customers delay making their payment by not sending bills, intimations, PIN or any such thing so that they can suck blood (money) out o[censored]s. You know the interest we pay is the only revenue for the Card s. They wont prefer us paying in time as they wont get any revenue as penalty / interest / finance charges.

So buddies, be careful in paying ur CC bill in time. My first Bill was for Rs. 969.00 out of which I spent 500 for recharging my mobile and got a pair of shoes and other footwear for my room mate.
My current month outstanding is just Rs. 246.00, (recharge card) . Please spend in control so that we do not give any oif our money as revenue to the Credit Cards.

Kumar
[protected]

hdfc bank ltd, i worked there for 5 months or little more and left on 13 oct 2007
but now when i ask them for issuing me releaving letter they dont response and even dont pick my phone when i call them and then one day they ask 1000 rupees for getting the releaving letter and provident fund number too, they are just harrasing me and dont give me details that why till date no correspondance is there regarding the same, no one is bothered for this whom should i ask for help today its 7th april 2008, six months gone and no one replies to me
branch manager name is ramandeep singh
deputy branch manager jasmeet singh mokha

i hold a hdfc credit card and iam using it for past two months. at the time of issueing this card they never told me anything about petro card and how it works. they delivered statement late and then they are charging me for late fees. they never told me the details of card while issuing, they just gave me card at that time saying that there are no hidden charges. above of all when i called them and asked the details they just said that you have to pay and we are not responsible for anything. HDFC sucks.

HDFC Credit Card
Posted:[protected] by Debotosh Bhattacharya [send email]
Savings account on hold

Complaint Rating:
My Credit Card No:[protected] was due for settlement.
Every month I have been paying 4300 rs as minimum amount due.
This did not lower my Principle amount but the amount was adjusted.

I asked for settlement after which they took their own sweet time of four months.Meanwhile
the persistent phone calls came on coming for payment of min amount due.

Now even before receiving the settlement letter, for which I was ready, HDFC bank has put my savings bank account on hold and I cannot make any transactions.

All my ECS and other checks have bounced due to it.
No body from HDFC called or informed me that the account will be kept on hold nor did I receive any
communication regarding the same.

HDFC should understand the situation and should not act erraticly.

This is regarding a cheque bounce. I have issued an ICICI cheque to HDFC bank towards the credit card payment which was returned stating as insufficient funds. I had enough funds in my ICICI account for which when I contacted the HDFC customer Care to view the cheque, they are not willing to present/show the cheque to me.

Being a customer and the owner of the cheque, I have every right to veiw the cheque. However, HDFC is not ready to show the cheque. Don't know what to do. Can Someone at higher level take this up and do the needful.

I have my Savings account in HDFC Bank and They block my card without giving any notice in just three months. They issued a new card which I did not recieve till now and when I asked to reset my Net banking pin and send the new pin to my e-mil address they refused to do so, Now I am in a great problem as in I have to py for my debts and rent and I dont have my card or my cheque to withdraw the money form my account, for the phone banking they are f efusing to transfre any fund from my account to someone else's acount.

Please guide me what should I do now and whether I can get some compensation for their such srevice as after 5th I will be penalised for late payment charges for my installmet of Debts I owe and for the Rent which is still due to pay.

I got resigned Centurion bank of punjab in sep 2007.On 31/03/2008 i revd leter from Employees provident fund orgination-mumbai (ref-7236100/cash/20072008/ban68/583/6371 rl.no.172067&72366101/cash/20072008/ban68/590/6483 dt 31/03/2008.)that they have sent chq of rs.26198 and 6630 in centurion bank of punjab ltd, fgurgaon phase v, 5, 6, 7, paras town, dlf phase v, sector 53, gurgaon 122001.

But the above mentioned bank is saying that they have not revd.
Kindly solve it

hi sir,
I am Ganesh Pandurang Bane. I had taken a Credit Card from hdfc bank 3 years ago. when i get the credit card, after 15 day's i recieved call from hdfc bank for mediclaim. they told me you get the free madiclaim policy with this credit card. but when i get the statment for this credit card for that month, they withdraw Rs. 3500/- from my credit card account. then i go to the bank and gave them a cansellation form for...

DEAR SIR / MADAM

AFTER GETTING TOTALLY FED UP I AM TAKING THE INITIATIVE OF COMPLAINING TO THE CONSUMER FORUM, AS THIS IS MY LAST LIGHT OF HOPE NOW.
I HAVE BEEN THE CUSTOMER OF HDFC BANK FOR THE PAST 8YEARS FROM THE TIME I FIRST BEGIN WORKING, SINCE I WAS BANKING WITH THEM FOR A PERIOD OF 8YEARS, THEY OFFERED ME A CREDIT CARD, MAKING SUCH BEAUTIFUL PROMISES THAT ONE CANNOT ESCAPE, SAYING THAT THE CARD WAS FREE NO CHARGES ETC... AS THIS IS A GIFT TO OUR ESTEEMED WOMEN CUSTOMERS.

ITS A YEAR NOW, I HAVE USED THE CARD THRICE THRU ATM TO WITHDRAW SOME CASH OF 4, 000INR
AND HAVE PAID THE AMOUNT THRU DIRECT DEBIT ONTO MY DEBIT CARD, SINCE THE CALLS O[censored]NPAID AMOUNT WERE COMING EVERY NOW AND THEN, I CALLED UP THE HEAD BRANCH IN PANJIM, GOA, AND ASKED THEM WHY AM I CHARGED MORE THAN WHAT I HAVE TRANSACTED, THEN IT WAS BOUGHT TO MY NOTICE THAT THERE ARE MANY UNAUTHORISED TRANSACTIONS, I WAS VERY MUCH ANGRY CAUSE I NEVER RECEIVED ANY STATEMENT FROM THE BANK TILL THEN GIVING ME THE DETAILS, AFTER MAKING A HUNGAMA, THEY SENT ME THE DUPLICATE OF THE STATEMENTS, AND I WAS SHOCKED, THAT I NEARLY GOT AN ATTACK.

THE CARD WAS USED INTENTIONALLY AND ALSO IN THE ATM SOMEWHERE IN VASCO, WITHOUT ME USING IT, I WROTE TO THE CHENNAI CREDIT CARD DEPARTMENT ASKING THEM THE SAME, BUT TILL DATE NO RESPONSE, I HAVE ASKED THE BANK TO CANCEL THE CARD IN THE MONTH OF OCTOBER 2007 AND THEY CANCELLED IT IN MARCH 2008, THE PHONEBANKING HAS ALL THE DETAILS OF MY COMPLAINS BUT TILL DATE NO ACTION HAS BEEN TAKEN.

NOW TO MY SURPRISE ANOTHER CREDIT CARD IS ISSUED WITHOUT MY CONSIDERATION AND I DONT HAVE IT WITH ME, STILL MORE TRANSACTIONS ARE ADDED ONTO THEM.
KINDLY HELP URGETLY AS THIS IS RUINING OUR PEACE OF MIND,
MY CREDIT CARD NUMBER WAS [protected]

HOPING TO HEAR FROM YOU

THANKING YOU

SHEENA M DIAS
GOA - INDIA-

Dear Sir,

I was using HDFC card from last 2-3 years and was happy with the services but 8-9 months ago there were 2 transactions made from my credit card. I got this information from my monthly statement then I called the customer care to investigate this matter because I had never done this kind of transactions. When consulted with the customer care they told me that they are reissuing my card and will be received it to you in 2-3 weeks maximum. I said that if you can provide me the card number then I will pay your bills because every month I had to pay at least 1300 rs as an installment but they told me that they cannot tell me the new card number you can see it after receiving. I thought it’s ok if I will receive it in 2-3 weeks.

But I didn’t get the card till now and after that 4 months ago I had received a call from HDFC collection department and they gave me the only card number to pay the bill but it was including all the charges(late payment and Finance charges). I paid them 1500 rs through check and told them to please send me the card as soon as possible. But after 1 month I again received a call from collection department to pay the rest amount then I told them that please remove all Finance charges against my card number because it’s not my fault, I am ready to pay my installments if you wave off all the charges. They (as I remember Rahul and Nitin) promised me that they will send me the card and wave off my extra charges so on the basis of that commitment I paid the installments till December/ January. But some day back I got a call from collection that you need to pay the whole amount, again I told him the entire story but he threatened me and told me that you need to pay this balance in 5 minutes otherwise he is going to take some legal actions.

I made the following requests by an email:
·Waive off all the extra charges so that I will start paying the monthly installments only as I am a salaried person so cannot pay any extra amount.
·Send me the Credit Card as I have received two letters from HDFC stating that you need to clear you dues first.
·Take some action against the person who had called me this month and threatened me.
·Till Jan/Feb I had only 2 backlogs as an installment so please consider this matter on urgent basis.

But despite of waving off approx 5000 rs(Finance charges) they told me to waive off 1700 rs and now they have sent me an email that they are going to send my details to RBI credit .


Please advise...
Vikash Kumar

Dear Sir,

Recently, I had a fraudulent transaction on my HDFC credit card on the internet. This was on 16th April 2008. I immediately contacted Paypal, where my account was hacked and the site where online purchase had been done. Both responded positively and my money was recovered in 48 hours.

Contrast this with HDFC bank, whom I contacted within 2 hours of the transaction happening. They took 48 hours to mark the transaction as disputed. Also, till date, I have not heard anything from them despite my daily calls to the call centre. All I am told is that investigation is on and I will be notified in 45 days.

Are HDFC bank credit card users really safe? In such an open and shut case where my e-mails to western organisations yielded results in 48 hours, HDFC bank seems to be least bothered about its customers peace. Worse they have not even realised, that the case has been solved by somebody else. This only goes to prove that HDFC bank plays games with its customers and in the end would say that the customer must have given the card number to somebody on purpose. One of their call centre supervisors Sushant had said this and I am just want to caution other users, that however genuine they may be, HDFC is not even going to do any kind of investigation.

Regards,

Ganaraj Joglekar



Mumbai

I bought the above mentioned plan on 27-Dec-07, from that day I have been facing issues and feeling like why I bought this plan and why I am doing business with HDFC SLIC where the service is very pathetic. Please look in to this.



1. I have been asked to attend the medical test without the letter, where in I had to wait for the same.
2. I got the policy document three months after getting in to the deal
3. Even after submitting the mandate form during the policy preparation, ECS was not activated
Every month I am paying the premiums by going to HDFC SLIC office in Bangalore. You can imagine my state in Bangalore traffic
4. I applied for the online payment option on 18-Mar-08 in Bangalore office but I didn’t get any information about that.
5. I don’t get any major communications through either by mail or by post.
6. I again applied for ECS on 14-Apr-08, today I checked with my citi bank and they said that still they haven’t received the communication from HDFC SLIC for ECS.
7. Executives from HDFC SLIC don’t bother to reply the customer mails or queries, even if they reply, it will be very rude.
8. The business development managers don’t pass on the information to customers properly.
9. The office in hubli/dharwad don’t accept the outstation check for payment, even if they accept that they don’t give you the receipt. When I have the experience of above scenarios can I believe HDFC to pay without receipt.
10. But the BDM’s pass on the information to customers that they will accept the outstation checks and give the receipt as well. You need to go all the way from home to HDFC office and hear the contradictory reply from the HDFC office.
Can I believe in HDFC SLIC?

Its something like you have sold your product and left your customer deserted. When ever I see the HDFC add popping up in TV saying customer satisfaction is our primary goal, it looks sarcastic to me.

Even after all these issues I have not got a single apology letter from HDFC SLIC.

This time again I have applied for ECS and still its not passed on to citi bank, if I get any mail or post from HDFC after the due date to pay the premium along with fine I will not follow it up.

I have seen one consistent thing happening with me from HDFC SLIC is that I am frequently getting in to trouble and there is not even one to help me.

I have been associated with HDFC from last 7 years and I haven’t got any issues for banking and asset management. But I should say that the service from HDFC SLIC is pathetic.

HDFC Bank have put a hold on Rs 36702.08 from my savings bank account on 17.4.08.(seen by me on 18.4.08) Asked they say it is due to old credit card balance.Now they have issued me a Gold Credit Card which I have never used and not even opened their courier thru which the Gold Card was delivered and same have been confirmed by HDFC Saltlake, Kolkata Branch Manager, Mr. Bikramjit Mitra.

Moreover they have not even bothered to give notice to me or any sort of communication to me that they are putting an hold on an amount from my savings bank.

Now enquiring they say it was a old Silver Card on which I have a balance.(Do banks issue new credit cards to the same holder when he has an outstanding on an old card?-I believe never).

I have asked for the documentary evidence for the same but they are not ready to provide any and taking me for a round and delaying everytime I ring them as they believe they have my money at their disposal and they can do whatever they want to do with the amount.

Who will bear the cost of lost opportunity/ lost interest on my hold back amount?

This tantamounts to cheating under Sec 420 of criminal Act and holding of information uder Right to Information Act.

Request you to help me in this regards.

The details of personnel involved from HDFC Bank is given below

Mr. Pankaj Nimbalkar- [protected]
Mr. Bikramjit Mitra[protected]

Regards
Kanad Bose
[protected]
[protected]

Respected Sir,
On 23/12/07 vodafone has charged the amount of Rs. 1140/ -5 times instead of 1 time through my credit card no. [protected], also your employee from Kolkata misbehaved & talk rudely on phone which hurts me very much.I am using your golden credit card since 3 years and i am paying more than 1, 00, 000/-. So, please pay special attention towards this other wise i will close my account.

Seema Singh
Director
VLCC, Ranchi
P.N. Bose compund, Lalpur Ranchi
Ph.No. [protected]

darsir,
ihave taken the hdfc credit card in the name of dilip khandelwal card no is[protected] and on my wife name Radha khandelwal card no is[protected] sir, i have made all the payment for the above cards but i have not received the settelment letter from hdfc bank indore
i makes so many call to bank but they not give any responce they said letter wil lcome from chainai office so pl send my settelment letter for the above both cards
thanks.
dilip khandelwal
136 - .e mayur nagar
thatipur Morara Gwalior m.p.

Dear,
No monthy statment for the transactions on credit card in the month of March 2008 has been recieved till date. Is it possible to obtain statement in addition on my mail? or it can be from net anytime?.
You are requested kindly detail.
Thanks

This refers to my complaint filed with HDFC bank about not crediting the cheque deposited in my Savings account. Some of the bank's executives were however was unable to trace the same till today morning. However, they've credited to my current account and are not accepting the mistake.

Due to this mistake, I receive a SMS from HDFC Ltd.saying the loan went uncleared and I had to bear a penalty . Please note that there was a direct debit facility arranged from HDFC Ltd. to HDFC bank till the 10th of every onth. Dure to banks oversight, why should I bear the brunt of penalty.

Kindly note the details.

Self cheque from ICICI via cheque no. 419681 was deposited at the HDFC ATM at Catle Mill at 18: 18 on 7/4/2008 via transaction no. 3543 (Amount Rs. 15000/-) into the Savings account of HDFC (A/c No. XXX XXX XXXX3515)

The same gets cleared by ICICI on 9th April and is reflecting in the statement.

On 15/4/2008 at 16: 18, I receive a SMS from HDFC Ltd. about a uncleared loan .

I am surprised and then check my savings account. No credit is reflected.
Enquire with the bank and file a tele-complaint. They do not appear to find the problem and I start pressurising them. Then, at the complaints desk on April 17th, admit that amount reflects in the Current account (which I do not use at all). But the bank fails to do the rectification. On 18th, I once again file a e-complaint on the banks website.
Again on 19th I call up HDFC bank and fire them, no rectification. However on 19th morning they call me and ask me to telephonically transfer via TIN (telephone identification number), which I adhere to.

Kindly note that the bank is still not addressing my concern on making good the loss on penalty payment and in terms of interest accrued on my HDFC loan account due to your default. Also, they are not accepting their mistake of crediting my current account wrongly.

Mentioned below is the detailed e-mail list and responses from bank:

Sat, 19 Apr 2008 00:03:34 -0700 (PDT)
From: "Chandrika Rodrigues" <[protected]@yahoo.com> Add Mobile Alert
Yahoo! DomainKeys has confirmed that this message was sent by yahoo.com. Learn more
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Savings Account NET.CS.Hpg
To: "Customer Service" <[protected]@hdfcbank.com>
Please note that I do not even recollect my current account number as I do not use it. Hence there is no question of me depositing the same into the current account. Also, the banking slip from ATM also mentions the deposit clearly in my saving account i.e. XXXX 3515.

Please make good the loss as this is not an excuse. Simulataneously an filing a consumer complaint at the Consumer forum and also approaching the media.

Regards,
Chandrika

Customer Service <[protected]@hdfcbank.com> wrote:


Dear Ms. Rodrigues,

Thank you for writng to us.

With reference to your e-mail dated[protected] regarding Cheque related.

We wish to inform you that the said cheque was credited in your current reimbursement current account number ending with ***077 on[protected]. We wish to inform you that there was no delay from our end in crediting the said cheque. We request you to check the same through Netbanking.



Warm regards,
Hemant Mane
Customer Support
HDFC Bank Ltd.

[protected][protected][protected][protected]------

-----Original Message-----
From: [protected]@yahoo.com [[protected]@yahoo.com]
Sent: Friday, Apr 18 2008 9:41AM
To: [protected]@hdfcbank.com [[protected]@hdfcbank.com]
Subject: Complaint/Feedback for - Savings Account NET.CS.Hpg

[protected][protected][protected][protected][protected]
Customer Type : Resident Indian
Customer Name : Chandrika Rodrigues
Country : INDIA
City : Thane
Mobile No. : [protected]
Email ID : [protected]@yahoo.com
Product about which Complaint / Feedback : Savings Account
Other Product about which Complaint / Feedback :
Your Complaint / Feedback (s) : This refers to my tele complaint #[protected] with reference to not crediting my cheque. Please note that the same was been deposited on 7th of April, 2008 via cheque no. 419681 of ICICI bank at Castle Mill- ATM to account XXXXXXXXXX3515 wth the S No 3543. To my utter shock I realise that the same was credited by ICICI on 9th but there no credit appearing in my account statement. To add up to this I understand that my HDFC Loan cheque No. 5417 for Rs. 14430 returned unpaid and the loan office is now charging me with interest.(my loan account no. being[protected] Kindly note that my call to phone banking at 6 PM today, clarifies that my cheque was credited to the current account. Please note that this is not pardonable as per principles as I had to bear the interest on loan with an additional mental stress. Hence, I request you immediately to make good the loss (in terms of interest accrued on my HDFC loan account due to your default) else I shall be taking up the same with the RBI. Regards, Chandrika Rodrigues
Are you HDFC Bank's Customer? : Yes
Relation with Bank : Account
Account / Credit Card / Loan Account No. : XXXXXXXXXX3515
Branch Name : Express Tower

Dear Sir / Madam,

This is reference to My jumbo loan amount, i have been following up with the Customer care of your's from past 17 Days Now for the closer of the amount, but since then i have not got any calls for the same, nor you have any place where i can go and do the payment, i fail to understand that i want to make the payment and your people do want the money, in such a case i would be forced to stop making any further payment to you, since i made atleast 50 calls to your Customer Care, there is no point in dealing with HDFC bank if the attitude of the people is such,

This is to keep you infomed that i will not be paying any EMI for the month of April, since i have been follwing up with the bank for the closer,

I want somebody who can call me and tell me the final amount, and detials of my payment and somebody who can tell me these things in details, otherwise no use,

I want a proper response from your side,

Please take this matter very seriously, and tell me the same ASAP,

Thanks & regards

Neeraj Sharma
Sales & Front Office Manager
Quality Hotel The Regency, pune
M : [protected]