Claimed

HDFC Bank Complaints & Reviews

2.9
Updated: Nov 26, 2025
Complaints 32872
Resolved
18415
Unresolved
14457
Contacts

File a complaint to HDFC Bank

Having problems with HDFC Bank?

File a complaint and get it resolved by HDFC Bank customer care. It’s quick, effective and absolutely free!

SUBMIT A COMPLAINT

HDFC Bank reviews & complaints page 1638

Newest
  • Newest
  • Most Helpful
  • Most Popular
  • Resolved
  • Contains Photos or Videos
  • Oldest
R
Rahul Rajput
from Mumbai, Maharashtra
Apr 18, 2008
Resolved
Report
Copy
Resolved

If someone is planning to invest the money with HDFC standard life policies, please do not choose this option. Its better to let govt deduct the tax. After two years I came to know that NAV of my hard money is now less than 50% because first year they deducted 60% of the installment amount as charges (paid 20000 and bank deducted 12000 as bla bla bla...charges) which was never told to me.
Yesterday i got the statement and shocked when I saw the NAV. Today when i called customer care then i came to know all these false and/or hidden conditions. Till now I lost approx 18000 rs whereas i have paid 40000 to the bank in last two year. You will be surprised to hear that HDFC CSR told me that you will get 40-50% returns per year but I'm loosing 40-50% per year. Thanks
Aug 14, 2020
Complaint marked as Resolved 
There is unprofessional approach has been adapted by HDFC group specially in insurance sector. This is the wake-up for all o[censored]s to work towrads resolve.

Regards- Ram
[protected] (Kolkata)
Helpful
Found this helpful?
1 Comment
Report
Copy

Post your Comment

    I want to submit Complaint Positive Review Neutral Comment
    code
    By clicking Submit you agree to our Terms of Use
    Submit
    S
    Sunil Mishra
    Apr 17, 2008
    Report
    Copy

    I have savings A/c with HFDFC Bank, Bodakdev Ahmedabad Branch, Gujarat. On 16th April I received a mail from [protected]@hdfcbank.com that 1000Rs debited from my A/c for online payment, which was a Fraudulent transactions. I lodged several complaints on 16thApril. Inspite of that on 16thapril 2000 Rs & on 17April 8000 Rs debited from my A/c, which is fraudulent. After so many mails today they blocked my netbanking facilty. HDFC bank's official's attitude is casual. They dont care for their customer. I am totally clueless. I have been cheated due to HDFC Bank's sheer crelessness.
    yes for last two years Hdfc Banks activity is not satisfactory. Clients harrasment, Direct fund reduce from on line SB a/c without any previous notice to their customer against credit card dues. I can't understand how bank adjusted SB accounts fund against credit card due without any permission of customer. Is it any law ? Have any RBI Rule regarding this matter? I don't know, any person can write regarding this matter.
    Helpful
    Found this helpful?
    1 Comment
    Report
    Copy

    Post your Comment

      I want to submit Complaint Positive Review Neutral Comment
      code
      By clicking Submit you agree to our Terms of Use
      Submit
      A
      Arupratan Bagchi
      from Pune, Maharashtra
      Apr 16, 2008
      Resolved
      Report
      Copy
      Resolved

      I have a simple story to share with you regarding how i have been suffering from "Deadly Menace Called HDFC ".I have opened a savings bank account in HDFC Bank Konnagar Branch when it had just started sailing which contains my complete signature .After that i have joined a MNC as a Engineer and for which my company asked me to open a salary account in the same bank.I opened it when their executive visited our office premises.That account was opened with my short official signature.After that i applied for my comany's ESOP from the newly opened salary account with the official short signature.But unfortuenately i didn't get a singler share even being the employee .The reason was signature was signature mismatch between my cheque's signature and account holder's signature.Later when i contacted the Bank for clarification about the signature change they told me that they put new account under the same umbrella to which my old account belongs to and as a result of which, my signature was chaged.But without intimating the customer, how can a bank changes the signature of account holder.This was the only question came to my mind.I have communicated with the bank in different mode but they didn't bother reply back me.But my query to all the concerned people, that who has given the bank or it's employee the authority to make changes in the account holder's credential?I hope that i will be able to draw the kind attention of the concerned people for this type mischieveous activity of the private banks.Here it does not come to an end.As a result of which i have to incure alose of around Rs.2, 50, 000/- in today's market.Again for having the salary account with them, they offered me a personal loan at a subsidised rate.But after taking the loan, they failed to deduct the emi and then used to give a threatening calls in my mobile and even didn't bother to call at my residence number to frighten my aged parents.I lodged complaints several times to the Bank but failed to get any reply.Later i foreclose the loan and got rid of this type of criminal activities of the today's hastle banking service providers.In this context i must let you know, they even sent one local "Gunda" with an employee to threaten my mother at 11:15 pm at one night.Unfortuenately i was then sleeping after getting pain killers for my deadly disease chronic pancreatitis for which i am spending my numbered days.Therefore, i would like to request all the like minded people to start a battle against the criminal activities of these banks.
      Aug 14, 2020
      Complaint marked as Resolved 

      HDFC Bank Savings Account — Unjustifiable/informal Deductions

      Hi,

      I have a savings account running with HDFC Bank since May 2007 provided by my previous employer (Genpact).

      Following are a few facilities provided by the bank for corporate salary accounts

      1. Zero balance (no need to maintain AQB)
      2. Free Check books
      3. ATM

      Those I availed from time to time. In Sep'2008 I left my previous organisation, however continued to use this account on regular basis as there is a (ICICI) personal loan payments being debited from this account.

      In June'2009 suddenly bank put a hold fund on my account that I have dues unpaid for a HDFC personal loan. I have supporting mails with me to prove that this personal loan was settled. Due to that hold fund the icici personal laon EMI got bounced and both banks charged for bouncing. Even after my regular calls to HDFC bank they neither refund me those deduction nor I ever recieved any call from branch as suggested by telecaller.

      Now for Last two quarters I have been charged with around one thousand ruppies for bouncing charges, AQB.

      I have been calling their call centre and been confirmed by telecaller that a call has been fixed with branch for call back. however I have not recieved any call in last two months.

      My grievance here is I have never been informed as to why this happened. Bank represantatives never give me call reference number. I am feeling like being robbed.

      I would have had no issues if bank had informed me that beyond a certain date following charges would be applicable. However the way they have been playing is absolutely unprofessional and disgusting.

      Please help.

      Pradeep Kumar
      [protected]
      Thanks for immediate response I have responded with my contact details, however will provide account details once your representative contacts me.

      Kind Regard

      Pradeep

      saving account — mismatch right procedure

      We have a saving combined account no [protected] for name Sunil Kr. saini & Mrs shakha Saini in State bank of India Branch Budhana Muzaffarnagar , UP). now due to emplyment we stay in Roorkee (Ramnagar) Utterakhand so I applied check book & recieved in month March 2010, only in the name of Sunil Kumar Saini Printed on every check, first time in Month May 2010 I visite for withdrawal from check from branch Roorkee (Ramnagar Utterakhand) the check retained say no scan sign attached in core account. than I Visited for that in Budhna branch than they replied would be attached in 02 -3 days, again I try to withdrawal amount from check Roorkee (Ramnagar ) second time, & again retained check because signed attaced of Mrs Shakha in place of Sunil KR. Saini whenever on check bookname printed Sunil Kumar Saini.
      Please stop my harssment & nerveousness.
      Please help................

      Regards Sunil Kumar Saini & Mrs Shakha Saini
      Helpful
      Found this helpful?
      3 Comments
      Report
      Copy

      Post your Comment

        I want to submit Complaint Positive Review Neutral Comment
        code
        By clicking Submit you agree to our Terms of Use
        Submit
        A
        Arupratan Bagchi
        from Pune, Maharashtra
        Apr 16, 2008
        Resolved
        Report
        Copy
        Resolved

        This is my last option to let you know the ground reality faced by
        the customer each and every day.I hope my words will be enough to draw
        the picture in front of your screen.I have been a customer of HDFC Bank
        since 2002 and became a corporate customer in March 2004 at the time when
        TCS decided to launch IPO.As per my HR departments request, i opened a
        salary account with HDFC Bank Ltd. Konnagar Branch.In the mean time i have
        taken a loan with the facility of having salary accounty.But the at the
        time of taking i was not having a cheque book of my salary account.So., i
        have been forced to give the cheque of the other account and been
        informed that everything would be sorted out.Prior to that i have applied
        for the TCS IPO under ESOP scheme but didnot get it because of signature
        change carried on by HDFC Bank without my concent and even did not bother
        let me know the fact of signature changing.And as result of that, i lost
        around Rs.100000/-.But i have requested the branch manager or the bank's
        corporate salary manager but the did not bother to do any thing.But
        history of harrasment does not get a full stop here.Recently i have
        applied for a personal loan amonting Rs.1.5 Lakhs.I am descrining here
        what are the documents, i have submitted for getting the loan.


        1)Pan Card Photo Copy
        2)Voter ID Card Photo Copy.
        3)Passport and UK VIsa Photo Copy.
        4)TCS Appointment Letter, Offer letter. Resignation Letter, and experience
        certificate from TCS(all are photo copied)
        5)CTS (Appointment letter and Experience letter)
        6)IBM Appointment letter(As i have joined IBM on 16 th August, Salary has
        not yet been credited to my account)

        For my previous loan i failed to deposit the money to the account numered
        :[protected] because i was operated on 1st of Srptember and i was kept
        in ICCU for the next two days.and just 2 days back i have come back to my
        house.With severe abdomain pain, i am writing this letter.But i still
        apologises for the delay of pay ment but duriing my conversation with the
        HDFC persons two peaople namely Mr.Anirban Datta and Mr.Debabrata sanyal
        misbehaved with me a lot and without any clarification i have not been
        granted the loan.The Konnagar branch Manager MrArnab Das has helped me a
        lot but he too failed to understand the reason of declination.Even IBM HR
        has mailed to Mr.Debabrata Sanyal and Mr.Anirban Datta to help me to grant
        me the loan and even then also this people Mr.Datta has made such a
        comment that if I quote that here even our company’s relationship will get
        a jolt.

        Therefore i, request you to take up the issue seriously and help me to get the loan on urgent basis as i require money for treatment.

        Consequences : As a result of that my parents have become patient of hyper tension and i have become patient of High pressure and Blood Sugar.

        That is why i am to you to support me for getting justice in terms of compensation.They have sent "Gunda"s to my house i have lodged FIR to the local police station. But they have not take any action.If you can bring out the two account openning form from HDFC you will be able to see that what i am telling, exactly the same thing has happem ed with me.They
        have threatened me over phone even they do not have bothered to threaten my aged parents.Please do something for me.
        I hope justice will prevail over irregularities and mis leading ethics.

        Thanks and Regards

        Arupratan Bagchi
        Aug 14, 2020
        Complaint marked as Resolved 

        TCS — NO response from the Bank Personal Loan Dept

        Actually my ECS is supposed to clear on 5th of every month but this month it did not clear on 5th. and sufficient funds were there in my account and when it did clear on 6th due to some reason there was less funds available.

        When i am calling the bank to re-clear the ECS no one is responding or the no is busy always.

        My no is [protected]

        This complaint is on Axis bank
        Actually my ECS is supposed to clear on 5th of every month but this month it did not clear on 5th. and sufficient funds were there in my account and when it did clear on 6th due to some reason there was less funds available.

        When i am calling the bank to re-clear the ECS no one is responding or the no is busy always.

        My no is [protected]

        Personal — getting a fraud letter

        Date: Wed, 14 May 2008 04:41:53 -0700 (PDT)
        From: Send an Instant Message "Barrister Nelson Qentor" <[protected]@yahoo.com> Add Mobile Alert
        Yahoo! DomainKeys has confirmed that this message was sent by yahoo.com. Learn more
        Subject: Fill Your Verification Form Immediately And Submit To The Paying BAnk
        To: [protected]@yahoo.com

        Yahoo! UK & Ireland




        FROM: THE DESK OF THE E-MAIL PROMOTIONS MANAGER INTERNATIONAL PROMOTIONS/PRIZE
        AWARD DEPARTMENT, MICROSOFT CORPORATION WORD LOTTERY
        UNITED KINGDOM.61-70 Southampton Row,
        Bloomsbury London United Kingdom WC1B 4AR.



        ELECTRONIC MAIL AWARD WINNING NOTIFICATION
        AWARD PRESENTATION CENTER: UNITED KINGDOM

        You are required to fill your claims verification form

        FULL NAMES:...

        CONTACT ADDRESS:...

        COUNTRY:...

        SEX:... AGE:...

        MARITAL STATUS...

        TEL NO:...

        EMAIL ADDRESS:...

        OCCUPATION:...

        POSITION HELD...

        AMOUNT WON:...

        REFERENCE NO:...

        BATCH NO:...

        WINNING NO:...

        SERIAL NO:...

        LOTTERY DATE :...

        SUBMIT THIS FORM TO THE PAYING BANK

        BANK NAME:DIAMOND BANK
        BANK EMAIL:[protected]@yahoo.com

        Regards,
        Yours faithfully,
        MicroSoft World

        (Photograph) Queen Salote Tupou III of Tonga[protected]

        Mrs. Basheera Abubakar Mrs. Caro Smith
        (Co-ordinator). ( Secretary )



        LOTTERY SPONSORS: CHIEF SPONSORS;

        MICROSOFT CORPORATION UK, MICROSOFT CORPORATION AFRICA,
        MICROSOFT CORPORATION USA, MICROSOFT CORPORATION ASIA.

        Past winners.
        Sir, I have applied for personal loan in HDFC through net signing
        i got a call from chennai office, i have handover all the xerox copy they asked, for loan amount of Rs50.000/- but still they asking me a copy of my land document, i have stoped and collected my cheque, please check and reply me
        my details : Chennai - Mount Road
        1, My Email id [protected]@gmail.com
        2, My loan Amount Rs 50.000/-
        3, A/c no :13245482 dated on 19.05.2008
        i have spoken to officer Mr.Chandrasaker cell no : [protected]
        and also team leader Mr. Murali cell no : [protected]
        one person called senthil he is the person who collected and filled the agrement form and collected the cheques, later he says your check as been teared from our office, i have complaint to Mr. Murali Team leader about this information given by mr.senthil, this is not fair reply from hdfc staff, i was fedup . please take action,
        atlast i got my cheque after 10days i signed the agrement,
        i want to know why they rejecting the loan, before itself they have to inform me about the document?
        please take nesserey action thanks

        Regards

        Agnel Robert
        [protected]@hotmail.com
        [protected]
        I had applied for a personal loan in HDFC through a DSA in Delhi, DSA tole me that the only 500 rupees processing fess will be deduted against your loan disbursal i said OK but they charged more than 1500 rupees evenafter it was not a big problem.

        Problem starts when they made my fake signatures on some insurance policy without my confirmation and the amoutn of that also deducted some 360 rupees again that was not a big problem but my only concern is that "why they made my signatures on any document i.e. illegal" and when i am asking for same they are not assisting me any more.

        Now they made my fake signatures for a small matter but it can be a serious in any future requirements. Please help in the mattter as no support from HDFC bank.
        sir
        my personal A/C no.13448557 was approved in july 2nd 2008 and final bank formalities alsocompleted but my loan amount not receive till now.When will credit me.
        name- premkumar.v
        addr.- 54, subramani nagar
        Thirumullaivoil
        Chennai-600062 thank u.
        sir
        my personal A/C no.13448557 was approved in july 2nd 2008 and final bank formalities alsocompleted but my loan amount not receive till now.When will credit me.
        name- premkumar.v
        addr.- 54, subramani nagar
        Thirumullaivoil
        Chennai-600062 thank u.

        hdfcbank — verification not yet done

        sir'
        I have applied passort in kerala last year(25/04/07) but for the time of verification i had been in delhi so i got my verification status that " not under the territory of cochin passport office".so as per my request they have been transfer all my docs to delhi passport office.from bikaji I got the cash receipt.and I cofirmed all my docs reached delhi passport office.(05/08/2008). but till verification pending, i have to move abroad coming month, so kindly look into the matter immediately as soon as possible, , , KEY NO;[protected]
        MY Phone no;[protected]
        dear sir/madam,

        i have fully closed my personal loan from your bank.my agreement no is 3132828.now i want to take NOC on my emailid also .

        plz do needful.

        thanks and regards

        jitender kalra

        BHARATH BUSINESS CHANNEL LIMITED — PAN CARD NOT RECEIVED AFTER 15 DAYS

        Dear Sir,

        I have not received pan card after 15 days, which is submitted on 05.09.2008 vide application form Dockt No[protected]

        Please do the needful

        regards

        Anand Kallapur
        Sir/Madam,

        I have applied for personal loan in HDFC through net signing
        i got a call from Delhi office Motibagh (Ms.Renu - [protected]) & i have handover all the documents for 100000/- Rs. & my verification has done since last week but any confirmatio not received yet & DSA staff
        no. is always switch off since last week & any reference no. not given by him.
        Pls confirm about my loan if any other details need call on mu Mobile.# [protected]

        1, My Email id -manoj.[protected]@aramex.com
        2, My loan Amount Rs. 100000/-
        3, A/c no :[protected] (Citi Bank)

        i want to know why they rejecting the loan & pls advice.

        Thnx

        Rgds:-
        Manoj Kumar Dwivedi
        K-6/18, Mahipalpur, New Delhi-110037
        [protected]

        pushkar — FOR issue cheque book on my home address

        hi,
        my name is pushkar rathore. I openedan account with axis bank. my account no. is [protected].
        Kindly issue me a new cheque book on my address.

        pushkar rathore
        [protected]

        Banking Fraud and Irregularities. - Comment #1782728 - Image #0
        Dear Sir/Madam,

        I had applied for a Personal Loan which is a Pre-Approved Loan of 83000/-. I had submitted all the required documents to the Bank through an agent of the HDFC BANK PERSONAL LOAN DEPT, S.B. Road, PUNE, but my loan was rejected. the bank never bothered to call me and inform me the status of the loan process. i had to call them up and inquire about it. The representative named Shilpa Phulake was co-ordinating with me in the regards. I was told that after the documentation, within 3-4 working days the loan amount will be in my account. But even after 2 weeks i did not see that. Even the area sales manager Mr. Pushkar Thakur assured to me through another representative over the phone that the amount will be in my account by Wednesday evening[protected] but still i did not get it. i called up on Friday evening, had a word with a Supervisor at customer service named Riddhi who apologised and said that she will look into the matter and call me back. Till now i only got to know is that no status is reflecting in the system about my loan account or application.


        The other day Riddhi called me and told me that she had spoke to Mr. Thakur and that they are checking upon it. On the other hand Shilpa Phulake who was co-ordinating with me says that my application was rejected my the concerned depaatment. When i enquired her for the reason she told me that i did not receive the calls they made me for the verification process, to which i strongly refused and said that it was impossible and i never received any call. She kept arguing with me and finally she said that she'll again submit my documents and post that in the same week i'll receive the amount as it is pre approved and that there will be no problem, but the submission will has to be done in the momnth of March again as Feb was about to end in 3 days. I agreed to it. I waited for it. Now again i called up to know the status to which she said that my loan application has been rejected again. i had called her up on her mobile phone. I was really surprised by her answer. i told her that even then no phone calls made to me by the bank and i had to again call back. She said she had calledme on friday but i disconnected her call. to which i agree completely. but she never bothered to call me back again on Friday later, Saturday, Monday nor on Tuesday. I had to call them up. This is the type of Customer Service i am experiencing form my own bank, the bank which i BANK with. I have a salaried account with HDFC. I wasloosing patience while speaking to her but i still maitainedmy calm and spoke politely to which she rudely disconnected the call and switched it off.


        I had even emailed Mr. Thakur about the same too, but he never replied back to my mail. I even called him up but he never received my call, never picked up his phone.

        KIndly do something regarding the customer service.


        Regards,
        Shailesh Tengli
        Pune-38
        Dear Sir/Madam

        I had applied for credit card 1 year back when it was rejected I dont know what was the reason .Soon I got call from other other HDFC bank they said it can be possible if I reply again, but again it was rejected.
        After 1 year again I got call from HDFC Bank, Senapati bapat Road branch from Deepali. who said this time there will be no problem but after 45 days i have not got any response from you people.


        I just want to know that you people only take the documents for log in file or you are serving your customers.
        Dear Sir/Madam

        I had applied for a Personal Loan of 100000/-. I had submitted all the required documents to the Bank through an agent (Sneha Joshi[protected] of the HDFC Bank Personal Loan Department. The internest rate is offered by Re-presentative is 16% but when i got a confirmation call from the HDFC Loan department they told me 22% interest rate. They have wasted my 4-5 days.

        If Anyone apply for personal loan in HDFC Bank make sure they will charge correct interest rate.

        Thnx

        Regards,
        Nilesh K
        TO
        Authority
        HDFC BANK
        Complaint/Customer Care

        My Self Ratish Satishchadra Rele the administration manager of Bharat Business Channel Limited (Videocon Group Enterprise)
        d2h.
        i had applied my file for personal loan through SECURE WEALTH CORPORATION, Poonam Plaza Offc No 114, Opp Narender Park
        Mira Road East, swap.[protected]@gmail.com,[protected], +91-[protected] (HDFC Bank DSA),

        On 17 DEC 2011, i had completed all my pending docs submitted in DSA. Upto 25 dec 2011 no any verification from HDFC bank. so on 25th i called to that DSA (Mr.Sarfraz Nawaz) & ask about my loan feedback, there he has told me "My file is in under loan process and asked pan card clear copy... but the question is why he ask on 25 and why after my call only.??
        anyway then i mailed clear pan copy same that day. but on 29 dec 2011 he return ask me the pan photo is not clear & want original pan card. but my self its a super clear copy (no need to ask - please check that copy attach with this mail ), i m surprises what the hell this working process of that DSA, But Then i also mail them my driving color copy on 29 dec 2011 where they can see my clear photo (ID) and resolve pending problem.
        Now today is 4 jan 2012, and today they asking me both hard copy. Now i m shock, what was going on with my file whole 15 days completed and that DSA not yet logged my file, bec still there is no verification at my residence and office place. after this kind of irritated ness, i shouted on mr. sarfraz nawaz may be he is in-charge of your bank DSA, so he directly told me that he is going to reject my file and dont call again... now i ask you is this proper way to doing loan.???
        Here i would to know why HDFC gives their DSA to like this stupid people (mr.Sarfraz Nawaz) whom not having proper training, working of how to do personal finance work. how can we trust on bank were they say personal loan in 48 hours. may be hdfc bank is not having well train sales coordinator, DSA. etc etc.

        KINDLY GIVES BANK DSA TO PROPER PEOPLE WHOM PROPERLY HANDLE CLIENTS, AND KNOW THERE IMPOTENCY AND EMERGENCY OF LOAN.

        REGARDS

        RATISH RELE
        ADMINISTRATION MANAGER
        BHARAT BUSINESS CHANNEL LIMITED
        (VIDEOCON GROUP ENTERPRISE)
        D2H.
        +91 [protected]
        Helpful
        Found this helpful?
        16 Comments
        Report
        Copy

        Post your Comment

          I want to submit Complaint Positive Review Neutral Comment
          code
          By clicking Submit you agree to our Terms of Use
          Submit
          A
          aditya agrawal
          from Jabalpur, Madhya Pradesh
          Apr 13, 2008
          Resolved
          Report
          Copy
          Resolved

          Hi
          HDFC credit card problems? I had an HDFC credit card. There were some charges levied on me for certain expenses which I was not informed about in certain cases & where the customer care people when contacted on phone gave me wrong information.

          1) Currency conversion charges still not resolved (Rs1482.44) [2007.67* 3.5%]-595.50
          2) Surcharge charged on fuel but never refunded. (Rs1500) paid for petrol
          2) Card lost but the manager told me that he would not charge me extra for a new card. Later on I found new card issue fee charged. (Rs0)

          My 2/09/07 statement showed an excess balance of Rs4, 971.76
          1) On 15/09/07 I made an transaction of $50 (Rs 2007.67) & I was told by the customer care representative that I would be charged 3.5% as currency conversion fees which I agreed to as all credit cards charge this for currency conversion.

          On 20/09/07 I received a refund of $15 (Rs 595.50) from the same seller with whom I had made the transaction as he had overcharged me.

          On 15/09/07 I saw Rs81.47 reflecting on my statement which confused me. I called up the customer care cell of HDFC & they said it was finance charges.
          That was when I really got mad as nobody could give me a proper explanation why the charges where levied on me. I contacted customer care on phone at least 25 times wrote emails & they insisted that they where finance charges.
          On 30/09/07 there was cess- currency conversion fee .25
          On 30/09/07 there was service tax currency conversion fee Rs8.48 in my 2/11/007 statement

          As I had mentioned earlier I was only told about 3.5% currency conversion fees which I agreed to pay. I was not told anything about 12 % & 3%. for mutiple transactions.

          Secondly I have not made any multiple tranasctions. It was a refund from the seller whom I had contacted only once for a refund which he immediately did so as he knew he was wrong.

          Thirdly if you calculate 3.5 % of Rs2007.67 you get Rs 70.27 approx & they have charged me Rs81.47 which all the customer care rep where saying are finance charges & not currency conversion charges. If you cannot train the executives properly they should not be allowed to take calls

          Please note that my 2/09/07, 2/10/07 & 2/11/07 statement s had an excess balance lying with HDFC from 28/08/07. I had also never received statements from the bank as I did not owe the bank anything. I had to call the customer care Dept regullary asking them to send my statements which they ignored.

          2) On 16/11/07 & 21/11/07 I put petrol worth Rs 1000 & Rs500 & was charged Rs1025 & Rs512.50 (surcharge of Rs25 & Rs 12.50) Which was supposed to be reversed in my next statement which never happened

          3) They reversed the charges of R112.36 levied on 7/11/07 fo issuing a new card to Rs 100 on 22/12/07 but still charged 12.36.
          In my statement dated 2/01/08.

          I have made other transactions during this period.
          My 2/09/07 statement showed an excess balance of Rs4, 971.76.
          Other transactions excluding these 3 issues are amounting to Rs2959
          Disputes Rs 2982.44 (Currency, Petrol, new card)
          Other expense+ Disputes=Rs 5941.44

          Total less Excess = Rs 969.68 which I would have paid had there been no cheating, miscommunication, giving wrong information etc

          I blocked the card & their customer care rep gave me the reference number.
          I demand that they compensate me for harressment, mental torture and the amount of time they have made me waste on writing & sending emails for charges which where not told to me & then charged. The Finance charges, late fee charges & taxes are accumalting every month & yesterday I receive a call from their recovery agent to make the payment or else I would be issued an legal notice.

          The latest outstanding according to them is Rs2357.99 for the statement dated 2/04/008
          Total less Excess = Rs 969.68 which I would have paid had there been no cheating, miscommunication, giving wrong information etc

          What do i do? The recovery agent has called me and is going to issue a legal notice.

          Aditya
          Aug 14, 2020
          Complaint marked as Resolved 
          Helpful
          Found this helpful?
          Write a comment
          Report
          Copy

          Post your Comment

            I want to submit Complaint Positive Review Neutral Comment
            code
            By clicking Submit you agree to our Terms of Use
            Submit
            P
            PAUL LEWIS
            Apr 11, 2008
            Resolved
            Report
            Copy
            Resolved

            I HAD PAID iRS 20, 000 FOR THE HOME LOAN AS PROCESSING FEES
            AFTER 2 MONTHS THE LEGAL AND TECHNICAL DEPT HAS REFUSED TO DISBURSE THE LOAN DUE TO SOME BACK DATED PROPERTY DOCUMENTS WHICH THE BUILDER CANNOT PROVIDE
            NOW HDFC SAYS IVE LOST THE PROCEESING FEES, WHAT CAN I DO ABOUT THIS LOSS OF MONEY

            THEY CAN SAY THAT SOME PERCENTAGE WILL BE DEDUCTED IF THE LOAN CANNOT BE DISBURSED WHICH AN INDIVIDUAL CAN UNDERSTAND BUT A FULL 100 % LOSS OF PROCESSING FEES IS NOT JUSTIFIED. PLS HELP
            Aug 14, 2020
            Complaint marked as Resolved 
            i have also suffered same problems with them.
            Helpful
            Found this helpful?
            1 Comment
            Report
            Copy

            Post your Comment

              I want to submit Complaint Positive Review Neutral Comment
              code
              By clicking Submit you agree to our Terms of Use
              Submit
              G
              Gurikala Valappil Pradeep
              from Mumbai, Maharashtra
              Apr 11, 2008
              Resolved
              Report
              Copy
              Resolved

              I am having my savings account with your chembur branch. My SB Account no. is [protected].

              On 31/03/2008, one of your representative Mr.Satish ([protected])had visited for having a facility of FD in my saving account. He told me, there will be no restriction & it will have a sweep-in facility.He took my signature & relevant details. He gave me receipt for the same - FD[protected].

              On 08/04/08, my account showed a debit entry of Rs.25, 000 towards FD. I immediately called phone banking & checked about it. I was surprised when the executive told me that the account does not have a sweep-in facility. Again I called back Mr.Satish. He said, he will ask his senior to call me back. Ms.Madhu[protected]called me & told me, nothing to worry & the same will be sorted out within 2 days.

              Today i.e. 11/04/08, when I checked with the phone banking executive, he told me, the amount is debited, but there is no update on my FD account. Also there is no sweep-in facility. Again I called Ms.Madhu. She put me to one Ms.Ranjit Kaur[protected]. She said it will be sorted out within 5 mts & someone will call me back. When nobody called me, I again called Ms.Ranjit Kaur & asked her to cancell the FD facility. She said it will done within one hour & the same will be reflected in my account. Till now i.e. 5.30pm, nothing has happened.

              Now when I am calling all the numbers, no one is picking up. I am fed up by the treatment given to me. Today I am going out of town. If the same is not resolved by today then, I am seriously thinking of shifting my account to some other bank.

              G V Pradeep
              [protected]
              Aug 13, 2020
              Complaint marked as Resolved 
              while signing fd application one must check that "sweepin" is selected.
              Else that can be simple fd made.

              HDFC SAVING ACCOUNT — Fraudulent ATM withdrawal

              Hi Sir/Madam,

              I would like to bring to your notice that a fraudlent ATM widrawal has taken from my saving a/c with HDFC Bank.

              I have lost all faith regarding the security and responsibility of the bank. I was assured by the bank representative that an action will be taken within two days however nothing has been done from their end.

              I would like a stringent action taken against it.

              Regards
              Nisha
              pls send my three mnts statment of my saving a/c

              HDFC SAVING ACCOUNT — lost net banking userid

              dear concern,
              my acc no -[protected]
              name-dharmendra uniyal
              bank location-hdfc vasant vihar delhi
              mob no-[protected]
              I lost my net bank userid please regenerate same .
              thanks .I will check.
              BEWARE FROM HDFC BANK OPENING SAVING ACCOUNT
              Helpful
              Found this helpful?
              6 Comments
              Report
              Copy

              Post your Comment

                I want to submit Complaint Positive Review Neutral Comment
                code
                By clicking Submit you agree to our Terms of Use
                Submit
                H
                Hemant Khanna
                from New Delhi, Delhi
                Apr 9, 2008
                Resolved
                Report
                Copy
                Resolved

                Undue harassment - abuse language-threatening calls!

                To The,
                Regional Manager
                Credit Card Division
                HDFC Bank Ltd.

                Dear sir my name is hemant ( Working with LTD COMPANY IN BANKING ) this is inform u that I am holding HDFC Credit Card due to some financial reason I was unable to make regular payments but I always try to give minimum amount due so that when I will get my money I will pay all to have relation with HDFC

                As all company have some collection counter you office is in Rajouri Garden J Block
                There is a girl Named Shweta what she has done is that she call at my office and use abuse language with receptionist Ritu and other staff that she is sending some gundas to my office and as well as in my house and I am receiving on daily basis she is also threatening my parents and wife and in my office it can become a HR Issue . I have told his seniors not to do that many times but she is repeating daily.

                I am ready to launch an FIR in the nearest police station in name of shweta and others who r handling my case and file against the bank with Human Rights

                what should I do please suggest

                threatening calls!

                Hemant Khanna
                [protected]
                Aug 14, 2020
                Complaint marked as Resolved 
                To the,
                Regional Manager
                Credit Card Division
                HDFC Bank Ltd.

                Dear sir I am Sarvjeet Singh, working in a telecom company at Noida. This is to inform you that I am holding HDFC Credit Card from last 3 years and due to some financial reason I was unable to make my complete credit card dues but was paying due amount in installments and I had decided that I will finished all my pending in next few months.

                Few days back I got to know that my corporate salary account is blocked. I called in customer care then came to know that due to pending amount in credit card my salary account has been blocked. I went to Rajory Garden to settle down the case and the full payment but the people over there treated me badly and were not in mode to settle it down.

                Now I am going to deal this issue through the legal way as there are some personal priorities where I need my salary account functional.

                Please suggest what should I do now?


                Regards,
                Sarvjeet Singh
                +91 [protected]
                I totally believe above complaints. Same has happened with me. have been subjected to gross verbal abuse, breach of privacy and untolerable misbehviour by your employees Mr Jatin and Mr ram sitting at Rajouri Garden OFFice. your employees have not sent any statement neither email or anything for my bill and keep calling to pay the money.

                The height is today between 2 and 3, MR Jatin called up again and again 20 times shouting on phone, telling me not to use the card if i cant pay. He wants to send his employee tomorrow at his convenience and wnats me to wait for him. When i asked him to first send em the bill, he told me that there is some fault in their system and they are not sending any bill.s Later, he started misbehaving tellnig me to pay as and wehn they are saying and asking me questions like where am i going on SUnday and why I am leaving home early. IT IS NONE OF YOUR BUSINESS. he further misbhaved and told me that he will complaint against my boss and further kept on demanding. KINDLY REGISTER IT AS EXTORTION CALL.

                he then DEMANDED AN EXPLANATION OF WHY I DONT PICK UP HDFC'S BANK CALLS. DESPITE MY REPEATEDLY TELLING HIM THAT I HAVENT RECEIVED ANY BILL, HE MISBEHAVED, USED RUDE LANGUAGE AND TOLD ME NOT TO USE HDFC CARD IF I DONT HAVE MONEY. PLESE CHEKC YOUR CALL RECORD, I told him clearly that i want to pay the full amount but send me the bill first but he KEPT ON MISBEHAVING ASKING ME PERSONAL QUESTIONS AND SHOUTING.

                I HAVE FILED A POLICE COMPLAINT AND I WILL ENSURE THAT THEY ARE DEALT WITH PROPERLY.
                Helpful
                Found this helpful?
                2 Comments
                Report
                Copy

                Post your Comment

                  I want to submit Complaint Positive Review Neutral Comment
                  code
                  By clicking Submit you agree to our Terms of Use
                  Submit
                  P
                  PRATEEK DHAIYA
                  from Anand, Gujarat
                  Apr 8, 2008
                  Resolved
                  Report
                  Copy
                  Resolved

                  To,
                  HDFC Bank,

                  Dear Sir,

                  I was holding a credit card of HDFC BANK, the details are as under:-

                  Name: Prateek Dhaiya
                  Add- 179 1st floor, Kohat enclave,
                  Pitam Pura,
                  New Delhi110034
                  Card No: - [protected]

                  The settlement letter is been issued through HDFC BANK on this card.
                  I made all the dues cleared in regular monthly installments. At the time of last installment, I asked the HDFC bank executive (Mr Vikas Sharma from Rajori Garden Branch) to get me the full and final receipt and can collect the payment. But he told me that he can’t give me receipt for full and final payment, but all of your dues is been cleared and you will receive the letter by courier. He told me that he can write in receipt that this is final payment. On good faith I made the payment. But even after that again and again I am receiving calls that you amount is due and misbehave on phone by using vulgar language.

                  You can check my account summary regarding dues.

                  Now I have received a letter from some advocate regarding payment of Rs 34290.07

                  I request you to please look into this matter and close this chapter as all the dues is been cleared from my side.

                  The Settlement letter and Final receipt is been attached.

                  Thanks & Regards

                  Prateek Dhaiya
                  Aug 14, 2020
                  Complaint marked as Resolved 
                  Misbehave by the Collection Agent (lady)

                  I am having a HDFC credit card for the past 1 year. I have been harrassed by the Collection Telecaller of HDFC Bank . I have been making my payments regularly except from July 2008. Since my financial position is tight I am making delayed payments to HDFC. I am also paying the interest rate and penalty fee for the delayed payments.

                  The payment I had to make was 3000 and I informed the lady that I might not be able to make a payment today, but ya surely in next week and I am ready to pay the extra.

                  And she is like "At any cost you have to give the cash. You better make the payment. We are the people who gave the money and so we have the right to get our money back"

                  When asked for her name, she says " You want to complain to my manager? I dont care"

                  I am surprised to hear that. Are the managers just for a namesake without any responsibilities. If so I am not surprised by the attitude and behavior of the employees under that manager.

                  She shouted at me and is using filthy language on the call. She talks all nonsense. Gave the name as Sunita and she is calling from[protected]

                  She is abusing in the phone. This disturbs me a lot and upsets and is spoiling my mood.

                  I called up the customer care department and I hope they get back to me.

                  Credit Card — miss comittment

                  TO,

                  DEAR SIR,

                  SUB : OVER CHARGES GVING TO ME WITHOUT GETING ANY INFORMATION

                  SIR,
                  I JUST KINDLY INFORM TO YOU THAT SOME BUDY CALLED ME IN YOUR COMP .HE SAY THAT, OUR COMPANY OFFERS U TOURIST PAKAGE + HANDLING BAG ON PER PHAPS 4 YOUR GOOD RECORD AND PERFORMANCE TAHT IS TOTALLY FREE OF COST NO CHAREGES TO GIVE UP YOU. YOUR EMPLOYE MISS COMITTED TO ME AND ALSO CHEATED ME ( YOUR COMPANY GETING OVER CHARGE ON ME OF RS. 8000/- THIS STUPID TRAVEL PACKAGE WITHOUT INFORMING TO ME MY CREDIT CARD NO- [protected]) I REQUESTED TO YOUR COMPANY, PLZ REMOVING THIS UN INFORMED CHARGES TO ME OTHER WISE I TAKE A STEP AND GOING TO CONSUMER COURT AND COMPLAINING AGAINGST YOUR COMPANY FOR THIS MISS COMITTMENT. PLZ, TAKE A ACTION ON IT OTHER WISE I CANT PAY ANY PAYMENT ON YOUR CREDIT CARD.

                  THANK U,


                  BEST REGARDS
                  POOJA ARORA
                  contact no- [protected]
                  Helpful
                  Found this helpful?
                  2 Comments
                  Report
                  Copy

                  Post your Comment

                    I want to submit Complaint Positive Review Neutral Comment
                    code
                    By clicking Submit you agree to our Terms of Use
                    Submit
                    D
                    Dipal n shah
                    from Hyderabad, Telangana
                    Apr 8, 2008
                    Resolved
                    Report
                    Copy
                    Resolved

                    i m employee of reputed Pvt.Ltd. software Developement firm of Pune working at Surat Branch
                    We wan to open salary account in HDFC bank-Ringroad Branch Surat.So we submitted all required Documents, ID Proof & Referance letter to HDFC's Bank's Represntive"Mr. Hetal Patel"

                    we have submitted all our documents & they will inform us that we will recieve our Salary account number within 2 days

                    Before 11days we have submitted our application form..but still today we haven't recieve our Account conformation

                    & Bank staff not giving responce to our appication...its urgent to submitt our accoutn detail in our company..but due to Bank's iresponcible work we are in big trouble...& we haven't recieved salary yet

                    Plz. do something for us... Thanx & Regards
                    Aug 14, 2020
                    Complaint marked as Resolved 
                    hi
                    friends
                    is anyone interested to open a demat account free in HDFC Please contact us At
                    [protected]( Pruthviraj)
                    hi,
                    i am employee of renowned company.i have completed all the formalities.so far i have not received account no. when i talked with the person are there they are not giving response.
                    happening is i dont have PAN Card for that i already applied.but i am having learning license and SBI bank account.
                    if it is possible to open my account in hdfc. waiting for ur imminent reply.
                    i want to know my salary account number.
                    i am working as s.e in hdfc bank $my code no is cg 10148.
                    my date of joining is[protected]. $my date of birth is[protected].
                    I am Joe by name. I own a company called Hardwork Entertaintment Ltd. And i want to open a salary account for my employee. How do i get the format for that please help me out.

                    Question; Company Introduction letter for a Salary Account opening

                    Thx hoping to get reply soon.
                    i want salary account
                    Hello
                    I am Aliasgar and I am working in an educational firm and I wanna open a 0 balance account in HDFC is it possible .
                    You can contact me on my personal number [protected] or [protected].
                    I own a zero balance salary account.Last month after the withdrawal of a sum of amount thru ATM i found a sum of Rs2000/ as MOD balance and only the balance amout in the account as avail balance, i would like to know what this MOD balance is, which i'am not informed of.No employees at the bank could clear my doubt.
                    hiii
                    i m hasan ..working in HDFC bank for past 2 months i have received one slip of my salary account in which there is 4 thousand rupees is extra showing as MOD balance

                    i wanna know that what is this MOD balance is exactly n why it is in my salary account slip

                    thanks
                    regards
                    sheikh hasan
                    hdfc bank

                    njindia invest pvt. ltd. — salary not received

                    dear sir
                    i parvej alam khan was an regestration c.r.o. in njindiainvest pvt. ltd. at there ghatkopar branch. i lesft this job on 1st april, 2009. now its 5 months has passed but i still didn't get my salary of march month. i resigned from there after informing them and with there permission. i mailed 4 times to the concern person(vatsal soni) for my salary and NOC certificate but i didn't get any one of it.

                    i request you help me to get my salary and noc certificate.
                    hi this is mansoor i wanna to open salery accout, i request banker of hdfc to contact me, thanks
                    Greetings from M.sujatha
                    I am working in HR department in a finance company. We have completed all the formalities to open Salary account in HDFC bank, Somajiguda, hyderabad. But some of our employees dont have their surname in their ID proof (PAN card, Ration Card, Election Voter ID card, Driving License, and Arogya sree card and also in their SSC Certificate also), What we do in this case, some of our employees are be rejected to open salary account. What we do now ?

                    Kindly respond to me

                    Regards
                    M.Sujatha
                    iam employee of methodex systems limited in varanasi and our company has salaray account tie up of 36 branches in india, iam very much disappoint with service of your bank .In 3 branches of your bank i have submitted my documents but due to the ignorance of your employee and manager of sigra, lahurabir, i have faced much problem. now also i have submitted my all document near about 10 days, but unable to get my accout no.
                    Hi sir i have account in sbi in hyd. but suddenly igot a mod balance 7 lakhs what is the mod balance please telme deeply ok .any one
                    need to check wheather account is activated
                    Dear Sir/Madam,

                    I am employee of NJ India invest. I have completed all the formalities.so far i have not received my salary account no.& kit (ATM card & Cheque book) when i talked with your salary executive they are not giving response. Please do something as early as possible.
                    I have saving account in HDFC bank and i want to know my balance .
                    We would like to open corporate salary account of our Employees wth HDFC BANK so pl send us representative or details at below address.

                    MACHINO POLYMERS LTD.
                    PLOT NO. 2, SECTOR - 33,
                    NEAR HERO HONDA COMPANY,
                    GURGAON - 122001.

                    CONT NO ;- [protected]
                    sir,
                    I have a senior sales executives in hdfc bank sohana branch in Direct Sales. Request to my account
                    no.[protected]. and I dont know my Provident fund account. I request to you please send me a my provident fund account number and my salary slip .

                    Regards
                    krishan kant mahajan
                    senior sales executive
                    63012
                    hdfc bank ltd
                    sohana(mohali)
                    A/C---[protected].
                    Employee code no[protected]
                    Email.[protected]@gmail.com.
                    Please any one let me what is a MOD Balance?
                    Iam SBI salaried account holder. Today I found that MOD Balance in my account is RS.[protected] lakhs). Iam not getting what exactly it mean.
                    Hi sir i have account in sbi in FAIZABAD. but suddenly igot a mod balance 46 THOUSAND what is the mod balance please telme deeply ok .any one
                    Hi sir i have account in sbi in faizabad. but suddenly igot a mod balance 46 thousand what is the mod balance please tel me deeply about that .any one
                    Hi,

                    I am employee of M/S Exide Industries Ltd. in Aligarh spoke opreted from Agra branch and our company has salary account tieup of your Bank from calcutta baranch for all over india.
                    I want open salary account in Hdfc Bank-31, Ramghat Road, Aligarh.
                    How do i get the formet for that please help me out.
                    Thx hoping to get reply soon.

                    Note:-
                    1. I have HR appoitment letter of company & salary slips.
                    Hi,
                    I am employee of M/s Exide Industries Ltd. in Aligarh spoke opreted from Agra branch and our company have tie up of your bank from calcutta branch.
                    I want to open salary account in Hdfc Bank-31, Ramghat Road, Aligarh.
                    How do i get the formet for that Please help me out.
                    Thx hoping to get reply soon.
                    DEAR SIR,

                    MY AVALABLE BALANCE IS SUDDENLY GOES RS.1827 INSTEAD OF RS.[protected] WAS ADDED TO ***MOD BALANCE **** I DON'T KNOW WHAT IS THE MOD BALANCE. SO PLEASE HELP ME TO UNDERSTAND WHAT IS MOD BALANCE (******MOD BALANCE*****)


                    WHAT IS MOD BALANCE ?
                    i want to open the salary account but dont know to open a account and dont know to fees process ...
                    I m employee of reputed Pvt.Ltd company working at jodhpur (Rajasthan) Branch
                    We wan to open salary account in HDFC bank-chopasani road Branch Jodhpur .So we submitted all required Documents, ID Proof & Referance letter to HDFC's Bank's Represntive"Miss Sweta"

                    we have submitted all our documents & they will inform us that we will recieve our Salary account number within 2 days

                    Before 8 days we have submitted our application form..but still today we haven't recieve our Account conformation

                    & Bank staff not giving responce to our appication...its urgent to submitt our accoutn detail in our company..but due to Bank's iresponcible work we are in big trouble...& we haven't recieved salary yet

                    Plz. do something for us... Thanx & Regards
                    i have open the zero balance salary account at HDFC bank. i would like to know the formalities to change salary account to Saving Bank account.



                    Can anyone pls help me.
                    I wanna know that what is the third party deposite & why the charges applicable for the deposit by me or else n why it is in my salary account. so plz clear me or asap
                    Dear HDFC Executives,
                    I am Sivasubramanian From Chennai Tamil Nadu, India.I working as senior software engineer in SIPTECH Solution Ltd.Chennai Elnet Software City Next To TIDEL Park.
                    Our company have salary a/c with HDFC Bank In Sastiri Nagar Adayar Chennai.I am willing to open Salary A/C in HDFC.Our company tried to open a/c for me.But HDFC executives didn't interested for creating A/C.I am very same to this kind of service.Please help me to Open Salary A/C For me.
                    Thanks & Regards
                    Siva
                    i am lubin from kallambalam, working in hotel taj ..i am really hurted for the incident happend in hdfc branch, karamana, trivandrum, : for account opening, when i submitt details of my account in karamana branch that officer is very very poor in service.this make a bad image to your services.last i am very happy because, of one of the other officer mr.anil kumar help me and i am satisfied with him.he is really nice and responsible man...

                    thanks
                    Anil kumar
                    hdfc bank
                    karamana
                    trivandrum.
                    Hi This is Padma Kandala padma.[protected]@yahoo.com cont - [protected]/[protected]
                    My account is not activated

                    as per account num - an date -15/05/2010 AccNUm - [protected]

                    Area Mg Road View the Map and get directions for this Branch

                    Address 25/1 Mg Road
                    Shankaranarayana Building
                    Bengaluru - 560001

                    still i have did not received msg from your Hdfc bank
                    So plz as soon as requesting you to activate my account

                    From Mphasis
                    Designation - Obelix CSO

                    thanks
                    regard
                    Padma Kandala
                    I have open the zero balance salary account at HDFC bank. I would like to know the formalities to change Salary Account to Saving Bank account. Please help me...
                    I have completed all the formalities.so far i have not received my salary account no.& kit (ATM card & Cheque book)
                    TO,

                    THE MANAGER

                    HDFC BANK LTD,
                    KATHRIGUPPE,
                    BANGALORE 560085


                    SUB: (Continue Salary A/c [protected] in HDFC Bank )



                    Sir,

                    This is my Previous Company Salry A/c [protected], I want to Continue my Salary A/c, Plz Convert and let me know
                    I hereby Certify that the below mentioned person is an employee with us having the Employee Code No –TK5996 and the Address, Signature & Photograph in this form is in accordance with our records, We confirm his employment with us since 1st Sep, 2010
                    As per our records, he does not fall in the tax slab and hence not required to submit PAN no, In event of the above employee leaving the company, bank shall be entitled to close the salary A/c basis an intimation of same from the corporate

                    This Certificate is issue to open Salary A/c in HDFC BANK

                    Please find the below Employee Details:

                    Corp Name: T & M Services Consulting Pvt Ltd,
                    Corp Code: TAN002
                    Employee Name: SUDHAKAR PALAI
                    Employee Code: TK5996
                    E-mail: sudhakar.[protected]@kotak.com / [protected]@yahoo.com
                    Mobile No +91 [protected] / [protected]
                    PLZ CONVERT MY SALARY A/c No [protected], I want to continue my A/c [protected], this is my preveious company salary A/c [protected]
                    Dear Banker,

                    I working in TEAMGLOBAL LOGISTICS PVT LTD co. .Company open my a/c in your bank but some address issue not receiving me the WELCOME KIT & my A/C also block

                    Please I send you complaint form its no.is EA[protected] .so I humbale requist to you quick action on that, so I can Enjoy the Banking.

                    So please do that ...
                    hi this mahalakshmi i want salary account pls cont[protected] asap.
                    dear sir,
                    I join hdfc bank bulandshahr D.M. road branch as a Contract Sales Executive .My joining date is 27/12/2010 and my Acquition Manager was Mr. Jeetan Sehrawat who transfer to Ghaziabad Indirapuram Branch, My Emp.Code is CP15476 and name is Praveen Kumar Saxena .
                    I have not get my salary account detail from joining to till today and nobody halp me about this matter .Now I am hopeless and gatting suffer from my financial condition.
                    Now this is your duty as superior that you solve my problem and take any further action against this fault.In hope a positive reply by you.

                    Thanking You,

                    Your's Sincerly

                    Praveen Kumar Saxena
                    Emp.Code CP15476
                    DM Road, Bulandshahr (U.P.)203001
                    Cont.No.[protected]
                    I AM SALIREDACCOUNT OPEN THE MONDAY 18th and not account number recive the today 28th sir i request my account number please sending the urgent.MY NAME IS NITIN BAJPAI FROM THE HDFC BANK AUTO LOANS SALES EXUCTIVE.
                    Hi Dear Sir /Madam, I am vinoth kumar from bangalore. i am working as a trainee insurence surveyor in Cunningham Lindsey International Pvt Ltd.. JP Nagar 5th Phase, Bangalore . My date of joining 05.05.2011 i want create open Salary Account and i have Company offer letter and PAN card, Id proof only...I got offer letter and Payroll slip with digital sign from our delhi head office Managing Director...then i went 4 or 5 times in jp Nagar 2nd phase HDFC bank but that bank acc..staff (Mr.Thananjar) Contact no [protected]...did not accept my documents... so i am in Critical situation ...so kindly please give me some idea...
                    This is My contact no [protected]
                    Thanking You, Yours Faithfully,
                    B.vinoth kumar

                    netbanking traction problem

                    dear sir my netbanking peroblam traction peroblam 2 days i am counstlat your hdfc bank but not soultion my peroblam i am trction ony day 50 to 60 many lose my i am colse my account not peroblam sot out me

                    reg- my two wheeler loan account deatils summary

                    Sir, i have an two wheeler loan account in your bank i want know my two wheeler account deatils & summary
                    Helpful
                    Found this helpful?
                    43 Comments
                    Report
                    Copy

                    Post your Comment

                      I want to submit Complaint Positive Review Neutral Comment
                      code
                      By clicking Submit you agree to our Terms of Use
                      Submit
                      N
                      nidhi mahajan
                      from Ambad, Maharashtra
                      Apr 4, 2008
                      Resolved
                      Report
                      Copy
                      Resolved

                      Dear sir;
                      I have been using the credit card No. [protected] of HDFC Bank for last many years. About three weeks back when I tried using the card I came to know that my card was invalidated. I contacted the customer care centre people in chandigarh they did not even give me any information as to why my card was temporarily invalidated and very rudely told me to drop an application to get it validated. I dropped the application on dt. 30th March08 in HDFC bank sec 8 Chd.
                      Since I had not got any call from the credit card division of the bank I contacted the customer care centre again today and I was told that my card has been permanently invalidated without assiging any reason and it has been done without my written or verbal consent. Your records can show that I have always cleared the dues if any well in time.
                      I would request that my card be revalidated or send me a new one.

                      Mrs.Nidhi Mahajan
                      Aug 14, 2020
                      Complaint marked as Resolved 
                      as iu have a credit card with your bank vide credit card no [protected] as i had been told that someone has misused my credit card and now bank will cancel this card and send yoy the new card but till date i didnot recd my credut card you are requested to kindly send me the credit card at the earliest or call me at this no [protected]

                      thanks & regards

                      maninder pal singh
                      Helpful
                      1 other people found this review helpful
                      1 found this helpful
                      1 Comment
                      Report
                      Copy

                      Post your Comment

                        I want to submit Complaint Positive Review Neutral Comment
                        code
                        By clicking Submit you agree to our Terms of Use
                        Submit
                        K
                        KIRAN RAWAT
                        from Lucknow, Uttar Pradesh
                        Apr 4, 2008
                        Resolved
                        Report
                        Copy
                        Resolved

                        Ref. to above my gold credit card no. [protected] I have received my statement dated 03.02.2008 and I have found following cash withdrawl transactions in my account which were not being made by me at all. Infact the card is with me only and the pin of the same has already been destroyed be me

                        Cash withdrawl on 19.01.08 5000
                        Cash withdrawl on 19.01.08 5000
                        Cash withdrawl on 19.01.08 3000
                        HDFC cash advance fee 300
                        HDFC cash advance fee 300
                        HDFC cash advance fee 300
                        Cash withdrawl on 28.01.08 5000
                        Cash withdrawl on 28.01.08 5000
                        Cash withdrawl on 28.01.08 5000
                        Cash withdrawl on 28.01.08 2000
                        HDFC cash advance fee 300
                        HDFC cash advance fee 300
                        HDFC cash advance fee 300
                        HDFC cash advance fee 300
                        Finance Charges Cash 330.53



                        I requested HDFC to look into this matter urgently and arrange to reverse all these charges and if the charges are actual please arrange to send me the video coverage of the person who has withdrawn this amount on specified dates ( 19th & 28th) but no action has been taken against this.
                        Aug 14, 2020
                        Complaint marked as Resolved 

                        ATM — WITHDRAWL OF MONEY FROM HDFC ATM

                        Dear Sir,
                        I (Miss Parul Singh) am having a salary account in UBI ASAF ALI ROAD BRANCH bank(A/C NO. [protected]).This is regarding a transaction(Dated:[protected], Particulars: [protected]/[protected]/413) made from my salary account ,I was withdrawing Rs. 3000 from HDFC BANK ATM in Munirka ,New Delhi, the whole process took place, but at end the message which was shown was ‘CARD IS INVALID’ and the amount was deducted from my salary account . So please look into this matter I’ll be highly obliged to you.
                        THANKING YOU.
                        Yours Faithfully,
                        PARUL SINGH
                        Dear Sir/Madam
                        Plz Give me Entraction How to Activate my Account
                        Helpful
                        Found this helpful?
                        2 Comments
                        Report
                        Copy

                        Post your Comment

                          I want to submit Complaint Positive Review Neutral Comment
                          code
                          By clicking Submit you agree to our Terms of Use
                          Submit
                          S
                          Sunildatta Awate
                          from Mumbai, Maharashtra
                          Apr 3, 2008
                          Resolved
                          Report
                          Copy
                          Resolved

                          Hi

                          This is to bring to your notice that i have been getting bill charged with late fees i m not able to understand how can u charge me late fees when i recieve your bill after due date is over? and this has been complaint to your customer care from last one year yet there are no changes i till date recieve late bill with late fees charges . pls help me as this issue is going very serious i m not able to understand why can't u send me bill on time . i will be not paying the late fees charged as this is not my fault i[censored] want u can contact me on my cell [protected]
                          The issue is very derious and if continued more will have to cancell your card
                          Aug 14, 2020
                          Complaint marked as Resolved 
                          To,
                          The Branch Manager,
                          HDFC Bank,
                          11th Floor, Ambadeep Building,
                          14, K.G. Marg.
                          New Delhi.

                          Sub: Non accepting the Loan amounting Rs.48, 043/-

                          Sir,
                          I was applied for a loan of Rs. 1, 00, 000/-(Rs.One Lack) your representative Sh. Noor Mohammad who was collecting my document from my office i.e. Room No. 106, Directorate General of Home Guards & Civil Defence, Nishkam Sewa Bhawan, CTI Raja Garden. He give me assurance that my required loan amount Rs.1, 00, 000/- has been approved and the documents are required to be sign. I asked him to show me approval but he gets my sign. And keep me in dark.

                          A disbursement Advice dated Mar-11-2008 Reference No.[protected] Account No. 12862935 a loan of amounting Rs. 48, 043/-(Rupee Forty Eight Thousand Forty Three Only) have been sanctioned and delivered to my office to some one.

                          Sir I was applied for loan Rs. 1, 00, 000/-(One Lakh Only) and sanctioned amount is very lover and not fulfill my requirement and not sufficient for me this amount is not acceptable to me I am surrendering this Cheque to you

                          It is therefore requested kindly cancelled this loan.

                          Thanking you

                          Yours truly,


                          (MOHD.FAROOQ)
                          Instructor Civil Defence,
                          Encl. Cheque No. 179554 dt. 11/03/2008 Dte, Genl. Of HG & CD,
                          Room No. 106, First Floor
                          (M) [protected], (O[protected] Ext.no. 726
                          Copy to :-
                          1. Governor Reserve Bank of India, with the request to kindly see the working procedure of bank and working of their staff.
                          2. Delhi State Consumer forum with the request to kindly help me in this case against the Bank Policy or their employee.
                          3. Manager Punjab National Bank, with the request to kindly stop the any kind of payment releasing to HDFC Bank through Cheque No. 050775, 050776, 050777 and 050778 or ECS
                          4. Hon’ble Supreme Court of India, New Delhi for information please.


                          (MOHD.FAROOQ)
                          My international debit card has been blocked. Kindly relese the lock so that i can draw money from ATM's.
                          Helpful
                          Found this helpful?
                          2 Comments
                          Report
                          Copy

                          Post your Comment

                            I want to submit Complaint Positive Review Neutral Comment
                            code
                            By clicking Submit you agree to our Terms of Use
                            Submit
                            D
                            Dhinal Dilipkumar Joshi
                            from Chennai, Tamil Nadu
                            Apr 2, 2008
                            Resolved
                            Report
                            Copy
                            Resolved

                            Sir,
                            I have a bank account with HDFC Bank SG Road, Ahmedabad branch. I received sum around 6k credit in my account on 28th March, 2008 (Mutual fund Redempton) through ECS and after 1hour the credit entery reversed by HDFC bank and the desctiption written against hte transaction was "ERR DIR CR ENTRY TEMPLETON DT"


                            Give me the the reason for auto debit of my money. I can't believe I lost my money.

                            Dhinal
                            Aug 14, 2020
                            Complaint marked as Resolved 
                            This is one of the bad service they giving after deduction a amount the sending latter to home before increasing the account from 2500 To 10000 They didn't send me latter after charging the 827 they send the latter to my home this is very bad from HDFC BANK JAKASANDRA Branch

                            They Give Me Contact no They didn't pick the call so please take action

                            Thanks
                            This is very very very very very very very very bad service i see that before increasing the account balance they didn't send the latter after charging amount they send me the latter
                            Helpful
                            Found this helpful?
                            2 Comments
                            Report
                            Copy

                            Post your Comment

                              I want to submit Complaint Positive Review Neutral Comment
                              code
                              By clicking Submit you agree to our Terms of Use
                              Submit
                              D
                              deepak taneja
                              from New Delhi, Delhi
                              Mar 29, 2008
                              Resolved
                              Report
                              Copy
                              Resolved

                              It all started on a very fine day i.e 25/3/2008, when I received a letter from the bank stating that I owe the bank the sum of Rs. 8, 660.53 towards credit card outstanding and after their repeated reminders by way of telephone calls and letters, the bank has placed a ‘hold on funds’ by exercising the ‘Bankers lien and right of setoff’ .

                              To my shock I got to know that they have been making calls at wrong numbers and talking to wrong persons .

                              and I haven’t received any statement of outstanding amount since 2005, they had been contacting wrong persons and they never cared to send any document by courier nor the statement of outstanding of outstanding since 2005. a

                              HARASSMENT CALL RATHER THEN A CUSTOMER CARE CALL
                              there statement also show only 4000 as outstanding and they are demanding 8000 with no records given to me as to how the amount almost doubled. And when i tell that in my last payment reciept i got full & final payment settled on the reciept, they refuse to acknowledge that .

                              Adding more to harassment my Cheque was being presented in HDFC Bank was dishonored wherein the reason for that mentioned in was ‘ Funds Insufficient ‘ and marked hold due to credit card lien marked, , which lead to monetary losses & business losses, incurred by the customer and harassment.

                              when the customer asked for a closure of his account, he was being told that even a closure could not be done as FUNDS WERE IN HOLD and credit card Lien was marked on the account .

                              No correspondence had been made from the bank’s side since Jan 2005 till date

                              I would like to state that as per RBI’s guidelines

                              1) I have been WRONGFULLY BILLED
                              2) No time limit was given to me to sort out the issued as per RBI ‘s guide lines a time limit of sixty (60) days may be given to the customers for preferring
                              their complaints / grievances.
                              3) No statement of outstanding balance amount received from since 2005 till 2008
                              4) Banks fault in contacting me. Calling at wrong numbers.

                              deepak
                              Aug 5, 2018
                              Complaint marked as Resolved 
                              Verified Support
                              Jul 05, 2018
                              HDFC Bank Customer Care's response
                              Dear Customer,

                              I request you to share your complete concern, Card number and registered contact details to [protected]@hdfcbank.com with ref ID- TTU[protected] in the subject line. Will assist you better.

                              -Anay
                              HDFC Bank Customer Assistance

                              HDFC Credit Card — False commitments and undue harassments by HDFC Credit Card employees

                              I AM CUSTOMER OF YOUR BANK , MY GOLD CARD NO-[protected] . ON 25.10.2007 FROM BHUBANESWAR BRANCH A CALL COMMING FROM [protected] AT 13.55 CALL WAS A LADY , WHO THREATEN AND USED UNCIVILISED WORDS TO ME . IT WAS UNBEARABLE .WE HOPE BANK WILL INQUARY THIS MATER AND TAKE ACTION AGAINEST THE LADY WITHIN SEVEN DAYS , OTHERWISE, I COMPAIL TO SUIT A DIFAMATION CASE AGAINGT THE EMPLOYEE ASWLL AS THE BANK .
                              Raghuveer Mudakappanavar's reply, Sep 28, 2020
                              Hi sir my credit card statements not caming me because your employer is my mail I'd roang Entry doing because my mail id [email protected] this is current mail I'd please send me estatements card number is 5459 6488 1945 8150
                              I completely agree to this.. HDFC Sucks... Life threatening calls till abusive words for us and even for our family members... shut down this godamn bank...! not worth having any customers, you dont deserve any!

                              AXIZ BANK/CREDIT CARD — False commitment made and deny of commitments by officers

                              AXIS BANK CREDIT CARD NO [protected]
                              On request of A Sales manager O[censored]TI BAnk now Axis Bank, I applied for a card.I made soem purchases but recieved the bill on 10th of April, the due date of the last payment.I made the payment and iformed customer care regarding the same, who in turn assured me of reversal.After that two statements were recieved by me but the charges were still reflecting.I called up customer care in July and the executive promised me a reversal and requested me to deposit the oustanding amount and the same would be reflecting against my credit balance in the next statement.I did so and made some purchases for the amount so that my bill would be balanced .But nothing happened.After that i have been regularly mailing them but there hasnt been any response.Instead everymonth they send the bill with accumalated charges.I have spent hundreds of rupees in calling them in their BOMBAY Customer care and even on request of a sales manager deposited the amount i had made purchases for.There hasnt been any reversal.I have umteen times asked them the recording regading my talk with the executive who had promised the reversal but they have been deviating from the statement and denying all such commitments.
                              The staements have damaged my credibility in my area and i am mentally harrased by AXIS Bank 's Behavior.There is no one to listen and the customer care doesnt response.I have sent more than 15 mails but there hasnt been a proper reply nor any action to resolve my problem.
                              Officers like Vineet garg, Prashant Kabade have promised to revert back but never ever done so.

                              Plz help and advise me for my next course of action

                              Thanking You
                              Regards

                              Naveen Kumar Agarwal
                              [protected]
                              I strongly agree with all those getting suffered for having HDFC Bank Credit card.For being an employee of a MNC, i have been requested several times to apply for a credit card of HDFC Bank by their executives.They rang me up in my mobile several times to convince me for applying the card.After many request, i have applied one.But idont like to purchase in credit card.But used for 2 or three times and i paid it back to bank before even getting the statement.But now they are sending statements which are showing that i have taken a credit of Rs.40, 000/- which is beyond my imagination.Now the bank executives are calling me up at my mobile and at my residence number and using abusive languages, and also threatening my elderly parents.Now, i have requested them to come to a settlement through my legal counceiler as i dont want harrashment of my elderly physically challeged parents.They have even send "Gumdas" to threaten my parents.Please suggest me what i should do in stead of keeping faith on the law of the land.
                              Rajeswari,

                              Please do not try to send me an pre drafted Email.

                              As per your last email i tried calling the Telephone #s mentioned there in the email both Bangalore and New Delhi(Looking For Miss Monica Khana).

                              This activity was repeated for Last three days and spoke to different executives. One of them was Disha Verma not ready to get Monica on line.

                              Now you have been telling me that there is no record of me reporting the loss of the card and i have captured incident from your organisation which is again catching my nerves.

                              I was told that you people have already sent me an Settlement letter and this shows in your record. I have not yet received any kind of settlement letter on the address given to you in one of my previous email and you should have a record of the delivery date and the person who received it.

                              Your executives don’t know how to talk to customers and their irate tone as if I have disturbed them.

                              I have been a part of the service industry for last 8 years and have never come across any situation where a customer was tortured till Death. I HAVE ALREADY SUFFRED TREMENDOUS LOSSES DUE TO THIS CREDIT CARD..

                              MENTAL SOCIAL FINANCIAL PERSONAL... I AM KEEPING A TRACK OF ALL THESE EMAILS TO SHOW PEOPEL HOW HDFC RUIN THE LIFE OF THE CUSTOEMRS WHO DRE TO OPEN AN ACCOUNT WITH THEM.

                              I HAD TO LEAVE Wipro Just because of this never ending Pain because you guys were eating my Hard earned Money(MY Salary)

                              HDFC force people to HANG Themselves

                              Thanks,
                              Victor Wilson
                              American EPay
                              Office:[protected] Extn: 2327
                              Fax:[protected]
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631

                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: 08 May 2008 08:29
                              To: [protected]@americanepay.com
                              Subject: RE:'HBL=[protected]' RE: RE: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account. On receipt of your email, we have once again taken up a detailed study of your case, basis your complaint and wish to share the following with you.

                              As communicated earlier, we observe that our records do not indicate your intimation on the loss of your credit card. We wish to reiterate that an amicable settlement had been arrived on the outstanding dues on your card for an amount of Rs.15300.00 payable in six monthly installments during the month of September'06. We observe that the payment towards the same was not effected within the stipulated time frame and the settlement was deemed null and void.

                              As clarified in our earlier emails, we take this opportunity to reiterate that a settlement on the card account is arrived upon mutual agreement between the customer and the Bank and a settlement letter is issued upon finalisation / acceptance by both the parties on the outstanding dues at that point in time. We wish to inform you that upon your request, the settlement was reconsidered and the same was validated. We wish to highlight that we had processed the refund of lien for an amount of Rs.6730.00 towards your savings account.

                              As mentioned earlier, owing to the fact that the Bank has incurred a financial loss due to the earlier settlement offer, the Bank reserves the right to refer your card details to the negative database/regulators. As is mentioned in the Card usage guide relating to the Credit Bureau India Ltd.(CIBIL), the Bank is authorised to disclose from time to time any information regarding the credit card(s) to any credit bureau (Existing and Future) without any notice to the customer. The Credit Bureau India Ltd.(CIBIL) is an initiative of the Government of India and Reserve Bank of India to improve the functionality and stability of the financial system. All Banks and financial institutions participating in this initiative are required to share customer data with CIBIL.

                              Mr. Dagar, we regret our inability to accede to your request to delist your details from the referred database in the absence of payment of Rs. 57328.76 towards your credit card account. We request you to effect necessary payment to enable us do the needful.

                              We request you to contact our bank representatives, at the contact number:[protected] to arrive at an amicable resolution and for any further assistance / clarification that you may require with regard to your credit card.

                              We request you to contact our Bank Officer, Ms. Monica Khanna at the contact number:[protected]/41809124 for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Regards


                              Rajeswari Jayasekar
                              Senior Manager – Service Quality
                              Credit Cards





                              -----Original Message-----
                              From: victor Wilson ([protected]@americanepay.com)
                              Date: Monday, May 05, 2008 05:36 PM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: RE: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Shalini,

                              Thanks and i will wait for your response.

                              Thanks,
                              Victor Wilson
                              American EPay
                              Office:[protected] Extn: 2327
                              Fax:[protected]
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631

                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: 03 May 2008 02:04
                              To: [protected]@americanepay.com
                              Subject: RE:'HBL=[protected]' RE: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg



                              Dear Mr. Dagar,

                              This is further to your appended email regarding your card account.

                              We wish to inform you that we are looking into your concerns and will respond to you within 7 business days. We thank you for your patience and request you to bear with us in the interim.

                              Assuring you of our best attention at all times.

                              Regards,


                              Shalini
                              Deputy Manager - Correspondence
                              Credit cards

                              -----Original Message-----
                              From: victor Wilson ([protected]@americanepay.com)
                              Date: Tuesday, April 29, 2008 09:15 PM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Rajeshwari,

                              Madam with due respect!

                              See there is no point beating around the same facts which we have already discussed and read numerous times. If you look back in your records you would find that i have been telling you that ALL THIS HAPPENED DUE TO THE LOSS OF THE CARD AND LATER ON MISUSED. DUE TO SOME TECHNICAL REASONS THIS IS NOT RECORDED IN YOUR SYSTEM(Also told to me by one of your credit officer from Delhi)

                              Let me shout AND SCREAM TO THE TOP OF MY VOICE AND TELL YOU THAT I DIDNT MISUSE THE CREDIT CARD AND IT WAS STOLEN. PLEASE ALL THIS IS GIVING ME MENTAL TORTURE AND DISTURBING MY PEACE. PLZ PLZ DONT FORCE ME COMMIT A SUICIDE DUE TO THIS TRAUMA. My only mistake is that i signed on that credit card application which you people reflected as a big offer when i opened another account as a salary account at Wipro... Plz plz plz don’t do this this is harassment till death.

                              I HAVE BEEN DEALING WITH HDFC BANK SINCE MY FIRST JOB(2001-BARISTA) AND STILL HAVE AN ACCOUNT WITH YOU PEOPLE. Does that tell you that i have been associated with HDFC since last 7 years in different companies.

                              Please get the needful done and lets not make it any more difficult

                              Thanks,
                              Victor Wilson
                              American EPay
                              Office:[protected] Extn: 2327
                              Fax:[protected]
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631

                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: 29 April 2008 10:07
                              To: [protected]@americanepay.com
                              Subject: RE:'HBL=[protected]' RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              We take this opportunity to reiterate that our records do not indicate your intimation on the loss of your credit card. We once again clarify that that an amicable settlement had been arrived on the outstanding dues on your credit card account for an amount of Rs.15300 payable in six installments during the month of September 2006. As the payment towards the settlement amount on your credit card accountwas not effected within the stipulated time frame, the settlement was deemed null and void.

                              As mentioned in our earlier interaction, a settlement on the card account is arrived upon mutual agreement between the customer and the Bank and a settlement letter is issued upon finalisation / acceptance by both the parties on the outstanding dues at that point in time. Basis your concerns expressed on the exercise of lien on your savings account, for an amount of Rs.6730.00, we had reconsidered the settlement on your credit card dues and had arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account.

                              We understand that you are not in receipt of the settlement letter of your credit card account. We have arranged to resend the same to the address as mentioned by you. You may look forward to receiving the same shortly.

                              As clarified earlier, it is clearly mentioned in the Card usage guide that, as per the extent of business the bank is authorised to disclose from time to time any information relating to Credit Card(s), to any credit bureau (Existing and Future) without any notice to the customer. The Credit Bureau India Ltd.(CIBIL) is an initiative of the Government of India and Reserve Bank of India to improve the functionality and stability of the financial system. All Banks and financial institutions participating in this initiative are required to share customer data with CIBIL.

                              Owing to the above and the fact that the Bank has incurred a financial loss due to the earlier settlement offer, the Bank reserves the right to refer your card details to the negative database/regulators. We reconfirm that we would be able to delist your details from the referred database on receipt of your payment for the total outstanding of Rs.57328.76 towards your credit card account.


                              We request you to contact our Bank Officer, Ms. Monica Khanna at the contact number:[protected]/41809124 for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Regards


                              Rajeswari Jayasekar
                              Senior Manager – Service Quality
                              Credit Cards











                              -----Original Message-----
                              From: victor Wilson ([protected]@americanepay.com)
                              Date: Friday, April 25, 2008 08:31 PM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Cc: [protected]@ndtv.com ([protected]@ndtv.com)
                              Subject: RE: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Rajeshwari,

                              Thanks for reverting back to me after such a long wait however I am not convinced with whatever facts and figure you have mentioned in your email.
                              TA
                              First thing first...

                              I tried contacting you people at the # given in your email however till date they don’t respond back. They try to treat me with no respect and I feel humiliated by the unprofessional words they use.

                              A settlement letter was never sent to me on the address for communication.
                              I have been requesting for the same since the month of December 2007 and that long enough a period to be patient.
                              I carry no records of this settlement which is again not professional.

                              Let me remind you that I still hold an account with HDFC and also have plans to be with the same organization for this new venture American EPay.

                              WE ARE IN A URGENT REQUIREMENT OF 50 NEW SAVINGS/SALARY ACCOUNTS FOR THE EMPLOYEES WORKING AT AMERICANEPAY WHICH HAS BEEN RECENTLY OUTSOURCED IN India.

                              I understand all the legal notifications which you have tried to express in your email however you probably have no idea of the HARRASMENT which I have been through and looks like it’s being CONTINUED .

                              The loss was not only to your bank however it was to me too in a greater extent(MENTAL/Social/Financial).Lost my peace due to this trauma I repeat once again THE CARD WAS LOST & Misused. I AGREED TO PAY THE SETTLEMENT AMOUNT

                              So here I would request(polite) you to do the needful to take my name out of the negative database and send me the letter at my Current address:::

                              931/Ist Floor
                              Sector 23a
                              Gurgaon.



                              Thanks,
                              Victor Wilson
                              American EPay
                              Office:[protected] Extn: 2327
                              Fax:[protected]
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631

                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: 25 April 2008 09:31
                              To: [protected]@americanepay.com
                              Subject: RE:'HBL=[protected]' RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email .regarding your credit card account.

                              At the outset, we regret to note the concerns expressed in your email. We take this opportunity to clarify the concerns expressed. We wish to state that payment of atleast the minimum amount due towards the card outstanding needs to be received by the bank to avoid levy of bank charges and ensure that the card account is active and available for usage.

                              On examination of our records, we observe that we were not in receipt of payment to cover the minimum amount due as per your monthly outstanding since August 2007. Owing to the same, the card account continued to incur bank charges and the credit card was subsequently invalidated from further usage. Further we observe that an amicable settlement had been arrived on the outstanding dues on your credit card account for an amount of Rs.15300.00 payable in six installments during the month of September 2006. As clarified earlier, we once again wish to inform you that a settlement on the card account is arrived upon mutual agreement between the customer and the Bank and a settlement letter is issued upon finalisation / acceptance by both the parties on the outstanding dues at that point in time.

                              Basis your concerns expressed on the lien exercised on your savings account for an amount of Rs.6730.00, we had reconsidered the settlement on your credit card account and had arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account. A written communication in this regard was also sent to your mailing address as per our records.

                              We take this opportunity to clarify your specific query on the card account details appearing in the negative lists, it is acknowledged in your Card Member Agreement that, as per the extent of business the bank is authorised to disclose from time to time any information relating to Credit Card(s), to any credit bureau (Existing and Future) without any notice to the customer. The Credit Bureau India Ltd.(CIBIL) is an initiative of the Government of India and Reserve Bank of India to improve the functionality and stability of the financial system. All Banks and financial institutions participating in this initiative are required to share customer data with CIBIL.

                              Owing to the above and the fact that the Bank has incurred a financial loss due to the earlier settlement offer the bank reserves the right to refer your card details to the negative database/regulators. We would be able to withdraw your details from the shared database on receipt of your payment for the total outstanding of Rs.57328.76 towards your credit card account.

                              We request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Regards


                              Rajeswari Jayasekar
                              Senior Manager – Service Quality
                              Credit Cards



                              -----Original Message-----
                              From: victor Wilson ([protected]@americanepay.com)
                              Date: Friday, April 25, 2008 07:18 PM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: <AUTO> :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              This is the third email and still waiting for someone to contact me regarding my settlement letter.
                              Please show some sense of courtesy and professionalism.

                              Thanks,

                              Vishal

                              Thanks,
                              Victor Wilson
                              American EPay
                              Office:[protected] Extn: 2327
                              Fax:[protected]
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631

                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: 18 April 2008 16:00
                              To: Victor Wilson
                              Subject: <AUTO> 'HBL=[protected]' :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Customer,
                              Thank you for writing to us.
                              This is a system-generated response to acknowledge receipt of your e-mail. The subject line contains the reference number allotted to your e-mail. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Your feedback is important to us and we are committed to provide a satisfactory resolution. Our Customer Service Executives will respond within a maximum of two working days. In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution.

                              If you are an existing credit cardmember and have not mentioned your credit card number in your e-mail, please send us an e mail mentioning the same, to help us assist you faster.Our customer service representatives are available 24 hours a day, 365 days in a year for online assistance for your credit card queries at the call center numbers mentioned in the below URL.
                              http://www.hdfcbank.com/personal/cards/popup_ccnumbers.htm
                              Assuring you of our best services.
                              Regards,
                              Credit Cards Team

                              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 organisation 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.


                              -----Original Message-----
                              From: Victor Wilson [[protected]@americanepay.com]
                              Sent: Saturday, Apr 19 2008 2:20AM
                              To: customerservices.[protected]@hdfcbank.com [customerservices.[protected]@hdfcbank.com]
                              Cc: [protected]@americanepay.com [[protected]@americanepay.com]
                              Subject: :'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg
                              Mr. Philip,

                              CC  Rajeswari Jayasekar



                              I would request you to send me my settlement letter from HDFC Regarding the settlement of my account. As I have been waiting for the same since last four months.

                              I still hold a savings account with you people and still facing problems due to this settlement.

                              I had applied for an Education loan from a financial institution(other than HDFC) and found out that you people have put my name in a negative database which is like a HARRASMENT for rest of my life.

                              If you look at the chain email below you will understand the whole situation.

                              I was thankful to you people for helping me out at that time when we resolved the issue however it’s not fully resolved.

                              I had a word with the Billing executive and she was not able to help me with my concern.

                              I would be looking to hear back from you.

                              You can contact me at [protected] & [protected]

                              My Address is as follows

                              Vishal Dagar
                              931 First Floor
                              Sector 23A
                              Near IMT college
                              Gurgaon


                              Thanks,
                              Victor Wilson
                              American EPay
                              Office:[protected] Extn: 2327
                              Fax:[protected]
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631







                              Dear Mr. Philips,

                              I am happy and Thankful to few professional people like I came across while resolving this issue.

                              My best regards to you and your team. Thanks for keeping the trust and winning a customer once again.

                              Thank you

                              Vishal


                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: Friday, December 07, 2007 10:54 PM
                              To: Victor Wilson
                              Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              As mentioned in our earlier interaction and as apprised during the conversation with our Bank Officer Ms. Monica Khanna, we reconfirm that we have refunded the amount of Rs.6730.000 to your savings account. We confirm that your credit card is currently invalidated and there is no outstanding as on date on your credit card account. We assure you that you would be in receipt of a written communication regarding the same shortly.

                              In view of the above and the clarifications provided on your earlier interactions, trust the matter stands clarified and concluded.

                              We request you to contact our bank representatives, at the contact number:[protected] to arrive at an amicable resolution and for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Sincerely


                              Dinkar Philips
                              Deputy Vice President- Debt Management
                              Credit Cards.


                              -----Original Message-----
                              From: Victor Wilson ([protected]@americanepay.com)
                              Date: Thursday, December 06, 2007 09:10 PM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Rajeshwari,

                              I thank you for your time and efforts to resolve the issue. Today I got a confirmation call from one of your representative Maulika and she confirmed that the previous settlement has been considered and I will be getting a settlement letter shortly.

                              Please bless it if the above information is correct.

                              Thanks once again for the big relief.

                              Thanks,
                              Vishal


                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: Victor Wilson [mailto:[protected]@americanepay.com]
                              Sent: Monday, December 03, 2007 8:34 AM
                              To: 'HDFC Bank Credit Cards Support'
                              Subject: RE: 'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              I have been trying to contact your customer centre regarding this and they don’t speak on the same lines we have been talking since momths n months now.

                              Please stop fwd these already drafted emails and request you to be specific on certain aspects. I am reachable on my cell phone and if you can’t call me then give me the number of a responsible person I can contact.

                              We need to resolve this ASAP.


                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: Monday, December 03, 2007 6:23 AM
                              To: Victor Wilson
                              Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              We take this opportunity to reiterate that our records do not indicate your intimation on the loss of your credit card. We wish to clarify that your earlier settlement on your credit card account has been validated and we have arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account.

                              The same would be effective shortly.

                              Mr. Dagar we request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Sincerely


                              Rajeswari Jayasekar
                              Manager – Service Quality



                              -----Original Message-----
                              From: Victor Wilson ([protected]@americanepay.com)
                              Date: Thursday, November 29, 2007 08:49 PM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Hi Rajeswari,

                              I appreciate your attention and the time you devoted to address my concern however with due respect I would like to disagree on the note that your bank do not have records of the card loss.

                              I had reported the loss of my card at 02.30 am on the very same day I discovered it.

                              Could you be more specific about the reconsideration on settlement of my credit card? Does that mean I need to go through another settlement or the previous settlement is considered as I have paid the entire amount with penalties etc?

                              I m not asking you any refund here instead want to settle this problem ASAP as this is once again disturbing my peace of mind.

                              I am already under medication and expect you to make it short and simple.

                              Once again let me repeat that I am not interested in any new settlement where you guys expect me to pay some money to settle the card.

                              Thanks for your time.

                              Vishal






                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: Thursday, November 29, 2007 8:07 AM
                              To: Victor Wilson
                              Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              It is unfortunate to note the concerns expressed regarding your interactions with the Bank. We wish to assure you that it is our constant endeavor to provide outstanding service to our customers and ensure that their banking experience with us is always pleasurable. We have taken cognisance of your feedback expressed and the same is shared with the concerned for suitable redressal.

                              We wish to clarify that regular contacts are established by the Bank to keep our customers updated on the status of their accounts and remind them of any dues which are to be paid to regularise their accounts. As the payment towards the agreed amount was not received within the stipulated period, the settlement was considered void.

                              We wish to inform you that our records do not indicate your intimation on the loss of your credit card. Basis your concerns expressed, we have reconsidered the settlement on your credit card account and have arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account. The relevant credit in your Bank account would reflect shortly. We confirm that your credit card is currently invalidated from further usage.

                              We request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Sincerely


                              Rajeswari Jayasekar
                              Manager – Service Quality
                              Credit Cards





                              -----Original Message-----
                              From: Victor Wilson ([protected]@americanepay.com)
                              Date: Thursday, November 22, 2007 04:07 AM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Philips,

                              I agreed with all terms and conditions of your bank at the time of settlement however you have no idea of the harassment and frustration I went through because of your organization and people working there. You need to look back on the regularity of payments till January and after that it was interrupted only because of the misleading by your people.

                              Overall I have already paid more than I was supposed to pay and I carry all the required documents to prove it.

                              Banking is another name of trusting people for your money and other needs not harassing them with abusive languages and threatening to them.

                              I was supposed to get my settlement letter from your end which I never received from your end I still cared to pay my instalments as per told.

                              I have already been contacted by the credit managers from the local office at my home and I have explained the situation to them number of times.

                              I appreciate the time u took to contact me and I have nothing against you however I would be interested in elevating your attention to the kind of experience I had dealing with HDFC. I was using your bank for my salary account since 2001 under different companies and had never expected this kind of treatment.

                              I have already mentioned about not making any further payments towards the whatever outstanding showing for that card. I hope u forgot to realize the card was stolen and I still had the courtesy to pay the settlement amount.

                              Thanks for your time


                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: Wednesday, November 21, 2007 2:01 AM
                              To: [protected]@americanepay.com
                              Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              On receipt of your mail, we have taken a detailed review of your complaint and wish to share our findings with you. We wish to state that payment of at least the minimum amount due towards the card outstanding needs to be received by the bank to avoid levy of bank charges and ensure that the card account is active and available for usage.

                              On examination of our records, we observe that an amicable settlement had been arrived on the outstanding dues on your credit card account for an amount of Rs.15300 payable in six instalments during the month of September 2006.

                              We wish to share that settlement offers are time bound and are decided based on the prevalent outstanding dues on the card account. Hence it becomes essential to avail/comply to the terms of the settlement offer by effecting a payment towards the agreed amount within the stipulated period, in the absence of which the same would be considered void.

                              We observe that we have been in receipt of payment towards the settlement amount on your credit card account however, the same was not effected within the stipulated time frame. Hence, the settlement was deemed null and void.

                              We invite your attention to our card member agreement where it is clearly mentioned that the Bank, at any time and without notice, will have a right of lien and set off on all monies belonging to the card member standing to their credit in any account whatsoever with the bank or in the possession or custody of the bank. In the absence of payment, the lien was invoked by the bank on your savings account and an appropriate notice was sent to your mailing address as per the bank records. In view of the same, an amount of Rs. 6730.00 was claimed from your savings account towards your credit card dues.

                              Mr. Dagar, we confirm that your card account is currently invalidated from further usage.

                              We request you to contact Mr. Nishant Sharma, at the contact number: [protected] for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Sincerely


                              Dinkar Philips
                              Deputy Vice President- Debt Management
                              Credit Cards.



                              -----Original Message-----
                              From: [protected]@americanepay.com ([protected]@americanepay.com)
                              Date: Friday, November 16, 2007 02:40 AM
                              To: [protected]@hdfcbank.com ([protected]@hdfcbank.com)
                              Subject: Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              [protected][protected][protected][protected][protected]
                              Customer Type : Resident Indian
                              Customer Name : Vishal Dagar
                              Country : INDIA
                              City : New Delhi
                              Residence/Office No. :[protected]
                              Mobile No. : [protected]
                              Email ID : [protected]@americanepay.com
                              Product about which Complaint / Feedback : Credit Cards
                              Other Product about which Complaint / Feedback :
                              Your Complaint / Feedback (s) : Credit card # [protected] debit card [protected] My credit card was stolen and I reported the issue little later however I was ready to pay the amount which was reflecting on my side. it has been a terrible experience since day one using HDFC AS my banking company I was given a settlement amount of 15300. to be paid in six months. The manager at the local branch has been misleading me since begining.i was paying my installments regularly till January however in the month of February due to abusive phone calls from the bank I tried contacting the manager and reported the issue. HE was supposed to send the agent to collect the amount from my home as I was doing the night shift but it never happened. I still overlooked the matter and paid both the installments in march. after that I asked for the settlement letter as I was paying the last instalment and I had no faith in the people I was dealing with. they refused for the letter and hence I didn’t pay the amount in the following month. finally after being fed up of the system HDFC WORKS I PAID THE ENTIRE AMOUNT OF 1700 WHICH WAS LEFT IN MAY OF THE TOTAL SETTLEMENT AMOUNT. I UNDERSTAND I HAVE ALSO DONE A MISTAKE BY NOT PAYING IT ON TIME BUT IT WAS ALL BECOZ I WAS MISLEADED BADLY ALL THE TIME. the issue has caused tremendous humiliation and mental harassment to me and my family. In the month of June there was forced withdrawal of 7630 out of my salaried account for the same dispute. To tell u the truth I have also lost my Carrier and job at Wipro. I would like to bring this to the attention of higher management how painful it is to even deal with HDFC for its products. Please make a note of this that I am not going to pay even a single dime towards this credit card NO MATTER WHAT. please stop these collection calls or else I might have to approach to the legal authorities here for the harassment to me and my family. Was assured by the HDFC Credit Cards Authorities that once the settlement amount is paid a confirmation SEETLEMENT LETTER would be furnished to me. But, even after doing the same I have not received any settlement letters and the COLLECTIONS department keeps on the harassment and demands the letter by the bank.
                              Are you HDFC Bank's Customer? : Yes
                              Relation with Bank : Credit Card Holder
                              Account / Credit Card / Loan Account No. : [protected]
                              Branch Name : credit card
                              [protected][protected][protected][protected][protected]


                              Dear Mr. Philips,

                              I am happy and Thankful to few professional people like I came across while resolving this issue.

                              My best regards to you and your team. Thanks for keeping the trust and winning a customer once again.

                              Thank you

                              Vishal


                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: Friday, December 07, 2007 10:54 PM
                              To: Victor Wilson
                              Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              As mentioned in our earlier interaction and as apprised during the conversation with our Bank Officer Ms. Monica Hanna, we reconfirm that we have refunded the amount of Rs.6730.000 to your savings account. We confirm that your credit card is currently invalidated and there is no outstanding as on date on your credit card account. We assure you that you would be in receipt of a written communication regarding the same shortly.

                              In view of the above and the clarifications provided on your earlier interactions, trust the matter stands clarified and concluded.

                              We request you to contact our bank representatives, at the contact number:[protected] to arrive at an amicable resolution and for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Sincerely


                              Dinar Philips
                              Deputy Vice President- Debt Management
                              Credit Cards.


                              -----Original Message-----
                              From: Victor Wilson ([protected]@americanepay.com)
                              Date: Thursday, December 06, 2007 09:10 PM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Rajeshwari,

                              I thank you for your time and efforts to resolve the issue. Today I got a confirmation call from one of your representative Maulika and she confirmed that the previous settlement has been considered and I will be getting a settlement letter shortly.

                              Please bless it if the above information is correct.

                              Thanks once again for the big relief.

                              Thanks,
                              Vishal


                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: Victor Wilson [mailto:[protected]@americanepay.com]
                              Sent: Monday, December 03, 2007 8:34 AM
                              To: 'HDFC Bank Credit Cards Support'
                              Subject: RE: 'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              I have been trying to contact your customer centre regarding this and they don’t speak on the same lines we have been talking since momths n months now.

                              Please stop fwd these already drafted emails and request you to be specific on certain aspects. I am reachable on my cell phone and if you can’t call me then give me the number of a responsible person I can contact.

                              We need to resolve this ASAP.


                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: Monday, December 03, 2007 6:23 AM
                              To: Victor Wilson
                              Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              We take this opportunity to reiterate that our records do not indicate your intimation on the loss of your credit card. We wish to clarify that your earlier settlement on your credit card account has been validated and we have arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account.

                              The same would be effective shortly.

                              Mr. Dagar we request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Sincerely


                              Rajeswari Jayasekar
                              Manager – Service Quality



                              -----Original Message-----
                              From: Victor Wilson ([protected]@americanepay.com)
                              Date: Thursday, November 29, 2007 08:49 PM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Hi Rajeswari,

                              I appreciate your attention and the time you devoted to address my concern however with due respect I would like to disagree on the note that your bank do not have records of the card loss.

                              I had reported the loss of my card at 02.30 am on the very same day I discovered it.

                              Could you be more specific about the reconsideration on settlement of my credit card? Does that mean I need to go through another settlement or the previous settlement is considered as I have paid the entire amount with penalties etc?

                              I m not asking you any refund here instead want to settle this problem ASAP as this is once again disturbing my peace of mind.

                              I am already under medication and expect you to make it short and simple.

                              Once again let me repeat that I am not interested in any new settlement where you guys expect me to pay some money to settle the card.

                              Thanks for your time.

                              Vishal






                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: Thursday, November 29, 2007 8:07 AM
                              To: Victor Wilson
                              Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              It is unfortunate to note the concerns expressed regarding your interactions with the Bank. We wish to assure you that it is our constant endeavor to provide outstanding service to our customers and ensure that their banking experience with us is always pleasurable. We have taken cognisance of your feedback expressed and the same is shared with the concerned for suitable redressal.

                              We wish to clarify that regular contacts are established by the Bank to keep our customers updated on the status of their accounts and remind them of any dues which are to be paid to regularise their accounts. As the payment towards the agreed amount was not received within the stipulated period, the settlement was considered void.

                              We wish to inform you that our records do not indicate your intimation on the loss of your credit card. Basis your concerns expressed, we have reconsidered the settlement on your credit card account and have arranged to refund the amount of Rs.6730.00 earlier claimed from your savings account. The relevant credit in your Bank account would reflect shortly. We confirm that your credit card is currently invalidated from further usage.

                              We request you to contact our bank representatives, at the contact number:[protected] for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Sincerely


                              Rajeswari Jayasekar
                              Manager – Service Quality
                              Credit Cards





                              -----Original Message-----
                              From: Victor Wilson ([protected]@americanepay.com)
                              Date: Thursday, November 22, 2007 04:07 AM
                              To: 'HDFC Bank Credit Cards Support' (customerservices.[protected]@hdfcbank.com)
                              Subject: RE: Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Philips,

                              I agreed with all terms and conditions of your bank at the time of settlement however you have no idea of the harassment and frustration I went through because of your organization and people working there. You need to look back on the regularity of payments till January and after that it was interrupted only because of the misleading by your people.

                              Overall I have already paid more than I was supposed to pay and I carry all the required documents to prove it.

                              Banking is another name of trusting people for your money and other needs not harassing them with abusive languages and threatening to them.

                              I was supposed to get my settlement letter from your end which I never received from your end I still cared to pay my installments as per told.

                              I have already been contacted by the credit managers from the local office at my home and I have explained the situation to them number of times.

                              I appreciate the time u took to contact me and I have nothing against you however I would be interested in elevating your attention to the kind of experience I had dealing with HDFC. I was using your bank for my salary account since 2001 under different companies and had never expected this kind of treatment.

                              I have already mentioned about not making any further payments towards the whatever outstanding showing for that card. I hope u forgot to realize the card was stolen and I still had the courtesy to pay the settlement amount.

                              Thanks for your time


                              Thanks,
                              VICTOR WILSON
                              Best Practices
                              American Epay
                              [protected] extn:2327
                              E-mail:[protected]@americanepay.com
                              Fax:[protected]
                              American EPAY Inc.
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631



                              -----Original Message-----
                              From: HDFC Bank Credit Cards Support [mailto:customerservices.[protected]@hdfcbank.com]
                              Sent: Wednesday, November 21, 2007 2:01 AM
                              To: [protected]@americanepay.com
                              Subject: RE:'HBL=[protected]' Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              Dear Mr. Dagar,

                              This is further to your recent email regarding your credit card account.

                              On receipt of your mail, we have taken a detailed review of your complaint and wish to share our findings with you. We wish to state that payment of at least the minimum amount due towards the card outstanding needs to be received by the bank to avoid levy of bank charges and ensure that the card account is active and available for usage.

                              On examination of our records, we observe that an amicable settlement had been arrived on the outstanding dues on your credit card account for an amount of Rs.15300 payable in six installments during the month of September 2006.

                              We wish to share that settlement offers are time bound and are decided based on the prevalent outstanding dues on the card account. Hence it becomes essential to avail/comply to the terms of the settlement offer by effecting a payment towards the agreed amount within the stipulated period, in the absence of which the same would be considered void.

                              We observe that we have been in receipt of payment towards the settlement amount on your credit card account however, the same was not effected within the stipulated time frame. Hence, the settlement was deemed null and void.

                              We invite your attention to our card member agreement where it is clearly mentioned that the Bank, at any time and without notice, will have a right of lien and set off on all monies belonging to the card member standing to their credit in any account whatsoever with the bank or in the possession or custody of the bank. In the absence of payment, the lien was invoked by the bank on your savings account and an appropriate notice was sent to your mailing address as per the bank records. In view of the same, an amount of Rs. 6730.00 was claimed from your savings account towards your credit card dues.

                              Mr. Dagar, we confirm that your card account is currently invalidated from further usage.

                              We request you to contact Mr. Nish ant Sharma, at the contact number: [protected] for any further assistance / clarification that you may require with regard to your credit card.

                              Assuring you of our best attention at all times.

                              Sincerely


                              Dinkar Philips
                              Deputy Vice President- Debt Management
                              Credit Cards.



                              -----Original Message-----
                              From: [protected]@americanepay.com ([protected]@americanepay.com)
                              Date: Friday, November 16, 2007 02:40 AM
                              To: [protected]@hdfcbank.com ([protected]@hdfcbank.com)
                              Subject: Complaint/Feedback for - Credit Cards NET.CS.Hpg

                              [protected][protected][protected][protected][protected]
                              Customer Type : Resident Indian
                              Customer Name : Vishal Dagar
                              Country : INDIA
                              City : New Delhi
                              Residence/Office No. :[protected]
                              Mobile No. : [protected]
                              Email ID : [protected]@americanepay.comProduct about which Complaint / Feedback : Credit Cards
                              Other Product about which Complaint / Feedback :
                              Your Complaint / Feedback (s) : Credit card # [protected] debit card [protected] My credit card was stolen and I reported the issue little later however I was ready to pay the amount which was reflecting on my side. it has been a terrible experience since day one using HDFC AS my banking company I was given a settlement amount of 15300. to be paid in six months. The manager at the local branch has been misleading me since begining.i was paying my installments regularly till January however in the month of February due to abusive phone calls from the bank I tried contacting the manager and reported the issue. HE was supposed to send the agent to collect the amount from my home as i was doing the night shift but it never happened. i still overlooked the matter and paid both the installments in march. after that i asked for the settlement letter as i was paying the last installment and i had no faith in the people i was dealing with.they refused for the letter and hence i didnt pay the amount in the following month.finally after being fed up of the system HDFC WORKS I PAID THE ENTIRE AMOUNT OF 1700 WHICH WAS LEFT IN MAY OF THE TOTAL SETTLEMENT AMOUNT. I UNDERSTAND I HAVE ALSO DONE A MISTAKE BY NOT PAYING IT ON TIME BUT IT WAS ALL BECOZ I WAS MISLEADED

                              Thanks,
                              Victor Wilson
                              American EPay
                              Office:[protected] Extn: 2327
                              Fax:[protected]
                              Citicorp Plaza, Suite 510
                              8420 W. Bryn Mawr Ave
                              Chicago, IL 60631

                              =
                              =
                              =
                              =
                              I apply for a change my billing address before 7 days still i do not receive my credit card till now and whenever I make call in credit card customer care they told me that sir within 5 day you will receive your credit card so pls send me my card earlier to earlier.
                              Dear sir,

                              Citi bank offered me the top off loan on existing loan and i had taken that but for some personal problem i had to cancel this loan and i had done that by sending back the DD to their office. They had taken 25 days to cancel the top off loan and confirm me on 20th Aug, 08 but surprisingly again Reboked the loan amount of existing loan which i never told them to rebooked, actually i told them i will pay existing loan amount immediatly as per their guidelines..

                              Citi Bank managers confirm me that they will not charge any preclosure on top off loan and existing loan if i pay immediately and i had done that by taking loan from other bank on 12th sept, 08. I had again and again contacted them and waited for their reply, they just pass the time by saying to wait upto billing statement every month from Aug. Now their charges was leivelled again on my billing statment amounted to Rs.17, 000/- and they are denying any commitment given to me on phone .. They are just fooling the customer on phone and rebooking the loans with out any confirmation, keeping the customer darkness to collect the charges falsely... They are using my card account like their personal savings account .. MOre ever i didnt receive any closures of all loan taken with this bank even after i had requested from last two months.. This banking they are doing with the customers, and changing their words, commitment as they like.. Please take urgent action on this bank immdiately

                              Hakeem
                              [protected]

                              HDFC Credit Card — HDFC credit card, delisting from CIBIL A/C

                              I was having a credit card account with HDFC.
                              Due to some urgent reasons I went to UK for a year. I asked my HDFC, card support people, to let me know my balance urgently, but as I was not aware of my last transaction they didn't check my balance.

                              After coming from there, I got few calls from collection; I made some payment as per the agreement.
                              After a year I come to know that I am in the defaulters list in CIBIL, and the payment I made was for settlement, not for closing the account.

                              I made payments again and got a NOC from bank in 20 days, and forwarded my request for delisting my name from CIBIL. It is almost 2 months over and they don’t have any answer for the TOT (Total Turnaround Time) on my request and also they dont reply on mails as well.
                              I HAVE A HDFC CREDIT CARD SINCE 3 YEARS, WAS DOING MY REGULAR PAYMENTS ON TIME .SINCE LAST YEAR MAY I WAS NOT ABLE TO MAKE PAYMENT ON TIME AS I LOST MY JOB AND MY FINANCIAL SITUVATION IS REALLY BAD .SINCE JULY I STARTED GETTING CALLS FROM HDFC BANK RANIJUNG BRANCH SECENDRABAD ASKING ME FOR PAYMENT .I EXPLAINED MY SITUVATION BUT THE REPLY I RECIEVED IS ( TO SELL ALL HOUSE HOLD ITEMS AND MAKE THE PAYMENT) THE COLLECTION AGENT AGENTS SPOKE WITH ME WITHOUT ANY RESPECT.HUMANITY AND THEY STARTED SENDING RECOVERY AGENTS. SO I MANAGED TO PAY 4000 RS FOR 2 MONTHS.LATER I WAS NOT ABLE TO MAKE .SUDDENLY FROM FEB 2TH ONWARDS I STARTED GETTING HARRESMENT CALLS FROM MANAGER CHANDRA SEKHAR FROM HDFC BANK ASKING ME TO MAKE THE PAYEMENT. THEY CALLED TO MY HOME AND STARTED SPEAKING WITH MY WITH MOTHER ATLEAST 15 TIMES IN A DAY FOR THE PAYMENT, I MADE 4000RS LAST MONTH AND I ASKED THEM FOR SETTLEMENT, .THE MANAGER INFORMED ME THAT HE WILL SETTLE THE CARD IF I MAKE THE PAYMENT, SO I MADE .HE INFORMED ME THE CARD WILL BE SETTLED FOR 74, 000RS AND 4000RS WILL BE DEDUTED, AND I INFORMED THE MANAGER ALSO EVERYTHING I WILL MAKE 5000RS AS PAYMENT FOR 9 MONTHS .BUT SEND THE THE SETTLEMENT AMOUNT PAPERS .HE STARTED SAYING THAT HE WILL SEND THE PAPERS IN JULY AND TILL JULY MAKE EVERYMONTH 5000RS .WITHOUT ANY PROOF HOW CAN I COME TO A CONLUSION THAT THE CARD IS SETTLED FOR 74, 000RS .AND AGAIN THIS MONTH HE STARTED CALLING AND ME AND THIS TIME HE STARTED HARRESING ME MORE IF I DONT MAKE THE PAYMENT HE WILL SENT RECOVERY AGENTS TO MY MOTHER OFFICE AND TO HOME AND THEY WILL TAKE CARE OF IT ..
                              credit card no .[protected]


                              Are you pepole reading my mails or not i have been repeating for
                              > colletion of payment but no body turned up and i have received one
                              > letter from your department stating if outstanding is not paid my
                              > amount will be debited automatically,
                              >
                              > i have been repeating for collection of payment due to i am unable to
                              > pay off my outstanding online if no body is going to turn off how
                              > would i submit my payment, if my amount is debited from my another
                              > bank a/c i going to sue your company because it is your fault if i am
                              > asking for colletion peole to collect my payment but no bodu is
                              > bothered to collect my payment and instead you are sending me letters
                              > .
                              >
                              > Stop sending me letters, send some collection guy to collect my
                              > payment otherwise i will have to take legal action if my amount is
                              > debited from my bank a/c automatically i am not responsible if some
                              > body is nt turning up to collect the payment
                              >
                              > Aishwarya
                              >
                              credit card no. [protected]

                              Are you pepole reading my mails or not i have been repeating for
                              > colletion of payment but no body turned up and i have received one
                              > letter from your department stating if outstanding is not paid my
                              > amount will be debited automatically,
                              >
                              > i have been repeating for collection of payment due to i am unable to
                              > pay off my outstanding online if no body is going to turn off how
                              > would i submit my payment, if my amount is debited from my another
                              > bank a/c i going to sue your company because it is your fault if i am
                              > asking for colletion peole to collect my payment but no bodu is
                              > bothered to collect my payment and instead you are sending me letters
                              > .
                              >
                              > Stop sending me letters, send some collection guy to collect my
                              > payment otherwise i will have to take legal action if my amount is
                              > debited from my bank a/c automatically i am not responsible if some
                              > body is nt turning up to collect the payment

                              HDFC Bank - Credit Card Department — Improper Service & Unfair Treatment

                              I have been treated in an unfair manner & my personal detail/ my name & my reputation has been thoroughly spoilt by this bank.

                              Further they are now claiming me balance dues which have been actually cleared through my side long back.
                              CUSTOMER SERVICE IS NOT READY TO SAY ABOUT THE SETTLEMENT. I DON'T WANT TO GIVE EXTRA AMOUNT AS INTEREST, SERVICE CHARGE, MINIMUM DUE, AND OTHER MISCELLANEOUS CHARGES OF THE REPAYMENT MONTH FOR WHICH SETTLEMENT REQUIRED.
                              Sir,
                              I have been using HDFC credit card ([protected]) only for a year though I have four other credit card of different bank. I have never failed to pay the installment before. Last month Oct'09 I have submitted a cheque of Rs. 500/- from my Axis bank account. But due to some circular problem the cheque bounced and it was not intimated through my new mob. no. [protected]. This month Nov'09 when I am ready to pay back the total outstanding I am charged 1500/- extra (~3800/- to 5226/-) as interest, service charge, minimum due, and other miscellaneous charges, which I am unable to pay. Though your customer care is very polite they are not ready to give any information about the settlement and forcing me to give the extra amount.
                              I want to see what action you are taking in favour of me. My earnest request is to expose your answer as it would be witness by all your valid customer.
                              * Note: I have already disburse immediate payment of Rs.670/- and want to settele the amount within Rs.2500/- as soon as possible or I am unable to pay further.
                              Regards
                              Sudipta Dey
                              Mob:[protected]
                              From the day I received credit card, Im struggling to get your each and every services promised at the time of applying for card.

                              I kindly request you to refer the below mail.

                              I confirmed for Balance Transfer offer and Travel Bag offer for the first purchase with the customer care executive at the time of applying the card itself.

                              Even after that, when I received SERVICES Call for my card from your executives, they confirmed me the both above mentioned offers on my card.

                              I struggled hard for enhancing my credit limit.. Now the same is happening again.

                              Im using ICICI & SBI credit card. But in both cases, I got what I was promised at the time of applying for card.

                              Im working in Tata Consultancy Services around 3 years..

                              But I have not faced this kind of problems with any other banks.

                              I dont understand why your people are making false commitments.

                              Im totally depressed with the way Miss Priya has replied now..

                              Its not my call to make false statements and mails.. Im demanding the ones promised by your customer care executives..

                              My demands are because my needs are such... That's the reason I applied for cards / loans with HDFC...

                              Is this the way you treat a customer?? What a irresponsible reply I have received...

                              Besides, Im possessing two loan relationship with your bank ..

                              Sir, I would like you to look into this issue and give me a satisfiable reply before the new year..

                              I need a proper responsible person's number who can resolve my issue in real.

                              I want this to be my last mail escalation to you.. Im tired of sending mails to you and making calls to your customer care..

                              Thanks & Regards,

                              Deepa

                              91-[protected]
                              I HAVE A SIMILAR ISSUE WITH HDFC BANK
                              Dear Sir/Madam

                              I have a HDFC Credit Card [protected] which I received in September, 2011 when I was out of station (Kolkata) even if I didn’t want to have that. HDFC issued the Credit Card to me & issued to my office address without my consent. Though I rarely used it, I have been paying my dues monthly. (HDFC representative used to visit my office & collect the same in cash). In the month of October, 2011, I received HDFC EGRO POLICY INSURANCE which I denied but they forcibly made that policy in my name and credited the policy amount. I tried to contact their Customer Care to resolve this issue thousand times but every time they assured it would be adjusted in the next statement. I decided to stop using the card since last August 2012 & most surprisingly I received the same HDFC EGRO POLICY INSURANCE Auto Renewal statement. Neither I opted for it (rather I requested them to discontinue this last year, 2011), nor HDFC took permission/consent of mine to re-new it & to credit the policy amount. Now I decided not to pay a single penny in the name of “Minimum Monthly Payment” to HDFC Bank Recovery Agents and rather want “One Time Permanent Settlement”. Now Recovery Agents are reluctant for doing any kind of settlement and more over they are calling me more than 20 times in a day for the payment using filthy language and improper words for collecting the payment, when I stopped picking their calls they started calling on my office number and harassing me for payment, they even disturbed my personal life also by calling my parents and speaking to them in inappropriate words.
                              Also they are giving excuses and asking me to pay for the current month so the settlement amount will be less. I can anticipate the further hidden objective behind this excuses & reluctant to pay a single penny in the name of “Minimum Monthly Payment”.
                              Though I hadn’t asked for the HDFC EGRO GENERAL INSURANCE, but they credited 14, 616/- INR from my credit card for the same against my wish.
                              However, I am ready to pay the total amount credited for my personal use but not ready to pay the credit amount for that HDFC EGRO POLICY INSURANCE and its fictitious Auto-Renewal Policy & also for any false statement not attributable to me. In this regard, I would like to request to kindly issue a One Time Settlement Letter against which I will pay the exact amount (including Interest Rate) that I used personally.
                              I don’t want to use HDFC Credit Card thereafter & must be over with any kind of “Due Payment Ordeal” in future. I hope my letter will do a bit to solve my problem for which mutual co-operation is expected from your much esteemed organization.
                              Otherwise, I will be compelled to take Legal & Necessary Judicial Action for the permanent settlement of this matter.

                              Regards,
                              Aritra Bhowmick
                              Kolkata, 16th October, 2012.
                              Seema Gupta
                              [protected]@gmail.com

                              it all started before 6 month, when i received a letter from the HDFC bank stating that bank directly taken my balance from my saving bank account against credit card dues and still therewas dues of Rs.5581.and after that they are regularly making telephone calls any time of the day which was very very disappointing to me as i belongs a high profile job and knows the value of out standing but i had not been made any transaction from last 18 month through credit card and i was seeking for sending my statment on my address to knowing the dues and if it is than deposit rhe same and i send request to up date my address in prescrobed format of bank but they did not done and blocked my card.
                              finally i request to send my statment at your local branch, Alwar ( rajstahn ) on dated 6.12.13, than i collect the same and understand the dues, which was shocking to me.

                              detail are as under

                              I had been made an transaction on dated 22./03/2012 and same has been cancelled immediately but taxes amount has been debited and same by mistake on non receiving statment i could not deposted on dated 03.05.2012 RS. 2160/-
                              I never got any statement for the same at my address from last 36 month.


                              The dues are totally for delay which has made Rs more than 16000/ on dated 3.11.2013 from Rs.2160 /- and i have deposited Rs. 6957/- but still bank is asking to deposit Rs 9500/-


                              Detail of Dues on 03.05.13 Amount 2160/-

                              Paid on 12.11.12 Rs 2000/-

                              Paid on 19.06.13 Rs 4657/-

                              Paid on 29.11.13 Rs. 300/-


                              I have paid Rs.6957 against Rs. 2160/-. Therefore must be reveres rest of the amount
                              Hi,

                              HDFC Bank had provided me the Diners club credit card and that card is not working any where .So i had given a call to customer care and request for downgradtion of existing credit card from diners to visa or master, They had suggested me to write a letter and send a scan copy on mail and give other copy to nearest branch .I had given the copy in kalwa branch .now it is more then month but as and when i m giving call to customer as they are giving me the false commitment you will receive your new cards on working 7 days, 4 days, 3 daysy and i had spoken with one of there supervisor .Now i have to track supervisor he know the status apart from that nobody knows the status of the cards. Superviosor name Avnish Mishra and he had provided me the cell number of his manager Faisal Shaikh and given the assurance he will resolve my issue. That is more then month and i am not getting proper reply from any body.

                              and Infact i had given a call 4 to 5 times and they are telling me Mr. faisal Shaikh is in meeting .


                              so tell me the process of cancellation of diners club credit card


                              Regards
                              Mukesh
                              Hi
                              my name is Neena Goel. I've Regalia Card ([protected]) I have a complain they took out money in my saving account June 7th 2018 about 2950.00Rs and i didn't used my card why they did you took out this money I'm scared to use my card. Please find out and let me know what happen. Thanks

                              Neena Goel
                              [protected]@gmail.com
                              Hi, thank you for reaching out. Please DM us your registered contact number. We are here to help! Regards, Team Axis Bank.
                              To Date: 16/07/2018

                              The Managing Director
                              HDFC Bank Ltd.
                              HDFC Bank House,
                              Senapati Bapat Marg,
                              Lower Parel (West),
                              Mumbai - 400013.

                              Kind Attn : Mr. Aditya Puri

                              Sub: Sincere grievance towards recovery of Credit Card dues by bank

                              Credit Card Number: [protected]

                              Sir

                              This is to draw your kind attention that on 16/07/2018 a recovery agent without prior intimation and identity shown, represented HDFC Bank visited my home and asked for making minimum payment due on the above mentioned credit card to my wife when I was not present at home.

                              My wife immediately made phone call to me and explained the situation. I then spoke to the recovery agent and told him that I have explained to the bank that I am going through a financial crisis and reason why I am unable to make minimum payment due. However, I am trying to borrow some fund so that I can go for settlement of the above card.

                              Recovery agent was not ready to listen to me and he made conference call with Bank manager. Then I explained my situation to the bank manager that I was a regular payer for the above credit card outstanding however because of financial crisis I am going through I am unable to make payment from last two months. I told him that I gone bankrupt as someone taken 20 lakhs from me and not returning back. I am also unable to pay my Home Loan EMI with SBI and HDFC personal loan EMI. My house, my car all on sale. I am somehow surviving hand to mouth from my only job with my family dependent on me. I am also put into bench and my job also at a stake since I am unable to perform at work due to various above reason. My cash outflow become more than my cash inflow. I also requested SBI card to help me with settlement.

                              So I asked Bank manager to give me few days’ time so that I can arrange the money and go for settlement.

                              However, bank manager was not ready to listen to me and he instructed recovery agent to collect minimum due by hook or crook. Finally, recovery agent before leaving my house shouted on my wife and threatened that next morning he is coming at 7:30 am to collect the money. In such incident all my family losing social reputation and why my wife gets metal torture as 3rd party when loan was borrowed by me.

                              Now my wife after this incident happened mentally become very depressed and her health condition deteriorated. In this situation my only plea to you is that if my wife’s health condition deteriorates further because of the above mental insult who will be responsible for that?

                              I firmly believe that bank also abide by RBI guideline and will not do any such incident where customer gets mentally torture. Any deviation from RBI recovery guide line by the bank I will have no other option but to raise complaint against bank and bank will be liable to pay back losses incurred as penalty.

                              I understand I am liable to the bank to repay the loan I have taken however in the above situation if I request bank to provide me grace period am I doing a crime is a question? Bank has given me option of converting below outstanding amount towards HDFC credit card into EMI but I can’t afford EMI at this moment hence I requested bank for settlement of the card.

                              Thanking you and I appreciate justice to the above matter in personal/social interest and for the sake of humanity sooner possible. I am also taking above insulting situation to the legal and consumer forum till I get your response in line with guideline set by RBI.
                              Please find furnished below my current liabilities (monthly) for your perusal and consideration.
                              Credit Crads Total Dues:

                              SBI Card : [protected] - 2, 18, 762.00
                              HDFC Card: [protected] - 1, 95, 000
                              CITI : [protected] - Rs.148500.00

                              House Rent : Rs. 17000

                              Bajaj Personal Loan A/c No and EMI :

                              404SAF[protected] Rs. 38635
                              404SPL[protected] Rs. 2, 835
                              404SPL[protected] Rs.8, 774

                              HDFC Bank Personal Loan (LOAN Account Number[protected] EMI: Rs. 35519

                              Kotak Car Finance loan account no 11366149 EMI payment of Rs 8960

                              Home loan EMI for below A/c. with SBI: Rs. 24000 (approx)

                              [protected]
                              [protected]
                              [protected]

                              Regards
                              Swapnendu Deb
                              Helpful
                              Found this helpful?
                              22 Comments
                              Report
                              Copy

                              Post your Comment

                                I want to submit Complaint Positive Review Neutral Comment
                                code
                                By clicking Submit you agree to our Terms of Use
                                Submit
                                D
                                Debajit Dutta
                                from Mumbai, Maharashtra
                                Mar 26, 2008
                                Resolved
                                Report
                                Copy
                                Resolved

                                I had a HDFC credit card which I stopped using in 2005. Till that time the oustanding due was around Rs 9000. Because sudden shift of working place, I was unable to pay the dues. But I gave credit card authorities my contact address, but they have not till date send me any statement. But lately without any prior information or message they have debited my HDFC account an amount of Rs 24000.
                                Aug 14, 2020
                                Complaint marked as Resolved 
                                hi sir this harpreet form karnal (haryana)
                                sir my credit card no. is [protected]
                                sir i got a call from ur office the lady called ( [protected] time is 11:14)hv no manners to talk with a costomer she telling me my AUKAT she said agar Rs. 3000
                                nahi the to cret card kyun banvaya
                                she also non sense talk with my wife she said (madam vo sotey to rahtey hai payment kab jama karvainge)
                                sir there is ur bank's foult to late the payment
                                i m still agree to deposit the payment but i want some action on her
                                dear sir

                                my card is not active pleas send me detail about
                                my card
                                [protected]
                                Dear sir,

                                This is chandan P Singh of From Nasik (Maharashtra), the holder of your Credit Card of nos [protected]. as I have already made a complaint at HDFC bank regarding cancellation of auto debit facility of my card VIA Letter in the Drop Box of HDFC, I have complaint via phone @ customer care also, but my request has not been considered and they are charging me for the late payment and add some hidden amount which I m not able to understand. As my A/c in HDFC has been closed. so they are not able to get the payment on time.

                                So Sir please consider my request.
                                I m manibhushan my card no is 4693 [protected] I have my account autopay of credit card payment.now I have some money problem so can I pay minimum amount, if I pay minimum amount any extra charges are there please tell me.what I do for auto debit.
                                Give me 1week time for payment
                                My number [protected]

                                So kindly consider my request.
                                Helpful
                                Found this helpful?
                                4 Comments
                                Report
                                Copy

                                Post your Comment

                                  I want to submit Complaint Positive Review Neutral Comment
                                  code
                                  By clicking Submit you agree to our Terms of Use
                                  Submit
                                  H
                                  HAREESH S
                                  from Pune, Maharashtra
                                  Mar 25, 2008
                                  Resolved
                                  Report
                                  Copy
                                  Resolved

                                  Dear all,

                                  I am not at all satisfied with the customer care and total performance of your(our) bank.

                                  Because, today I was shocked while one of my friend rang up and told me that, he just saw one of my statement of transactions which is provided by your Bank, which I never wanted to happened. because my account is a personal one and I never want to disclose such kind of my money flows to every one.
                                  How dare your staff can give my transaction details to some one else with out my knowledge or my auotharisation at least.
                                  I am getting the quarterly statements by post frequently. Apart from that, once I personally went and given written request for a statement in the morning session. But the lady who was in the counter refused the same and told me that, she can give me the statement only after 3 pm in the evening. she spoke to me in a rash way, which is not good a for customer care executive.
                                  And again in the next day I personally went and got the statement in the evening. This was happened before just one or one and a half month before.

                                  From that day I never requested for a statement in person or by some one else, because I am getting an E-mail statement also.

                                  But today afternoon as I written in the earlier part of the mail One of my friend is saying that He saw my statement and he is saying some details also, which I never want to known by some else.

                                  This particular Person was a staff member at HDFC Kalamassery branch previously, and some of his friends are working there still. he might have taken this statement through using any of such contacts.

                                  What ever it may be, as a customer I never want to happened this kind of incidents any more.

                                  More than that I need all the details about this malpractice.

                                  Otherwise I may request the help from a legal practitioner. I know the person who did with whom's help.
                                  But first you try to find out the culprit in your own way.

                                  With Regards.

                                  Hareesh.S

                                  My contyact is : [protected].
                                  Aug 14, 2020
                                  Complaint marked as Resolved 
                                  HDFC Cusotmer care is such an hole support that they dont know what they are speaking.
                                  One time they say they are processing and the other time they say they dont have status information.

                                  out station cheque takes 15-20 days for encashment.

                                  I dont know what the hell they do sitting the bank.
                                  dear sir,
                                  u r atm branch in kirloskarvadi(dist -sangli)state - maharastra, every time any mistake or no network or many problems they close.then plse check & service is full open 24 houres. then i use my atm every time .then plse do any.then he work 24 houres..becouse i m a hdfc's custamor
                                  thank&regards
                                  ajit patil
                                  Helpful
                                  Found this helpful?
                                  2 Comments
                                  Report
                                  Copy

                                  Post your Comment

                                    I want to submit Complaint Positive Review Neutral Comment
                                    code
                                    By clicking Submit you agree to our Terms of Use
                                    Submit
                                    S
                                    Saurabh Choudhury
                                    from Raia, Goa
                                    Mar 25, 2008
                                    Resolved
                                    Report
                                    Copy
                                    Resolved

                                    1. At the advice and supervision of HDFC, Ambari, Guwahati, I have signed & submitted a proposal form on 31/07/2007 for a HDFC Home Loan Protection Plan .The premium amount of Rs. 33007.00 for the Home Loan Linked insurance for the then outstanding amount of Rs. 1, 414, 302.00 was paid by a HDFC cheque on the same date 31/07/2007.

                                    2. But the date of commencement of the policy is 17th December 2007. A wide gap of 4 and 1/2 months. By God's grace I happily lived that gap period with a false sense of security and also paid the monthly EMIs against the HDFC home loan. Hence, by that time my liability on account of my Home Loan has reduced and yet HDFC Standard Life Insurance Co. Ltd. made me pay premium for a period for which I was not insured.

                                    3. The policy is against a HDFC home loan (the outstanding amount diminishes every month with every EMI paid) Linked insurance and the company was unable to process the proposal in time. Hence the onus lies on the company to contact the client and ask for a fresh proposal form against a reduced liability and process it on the same month. I cannot be asked to pay for the company's inaction.
                                    4. I have corresponded with HDFC life insurance through e-mail several times and in the e- mail dated 3rd March 2008 they have stated that they would need some to check with the concerned department and do the needful .

                                    5. But till date they have not got back to me. Perhaps, realizing that their delay in processing the proposal form has cost the client in terms of money they are shying away and not replying to my e-mails any more.
                                    Aug 14, 2020
                                    Complaint marked as Resolved 
                                    Plz send my finicial statement from 13.05.2009 to till date.my policy no. is 12901552 HDFC Insurance Pension Plan (II Unit Link) my e-mail address is [protected]@gmail.com
                                    DEAR SIR,
                                    I WANT TO CLOSE MY LIFE INSUREANCE [POLICY[protected]]ID[protected]. beacuse of some personal reason i can not continue with you.
                                    please close it as soon as possible.
                                    thanks and regards
                                    umesh verma
                                    [protected]
                                    Helpful
                                    Found this helpful?
                                    2 Comments
                                    Report
                                    Copy

                                    Post your Comment

                                      I want to submit Complaint Positive Review Neutral Comment
                                      code
                                      By clicking Submit you agree to our Terms of Use
                                      Submit
                                      K
                                      KIRAN RAWAT
                                      from Lucknow, Uttar Pradesh
                                      Mar 25, 2008
                                      Resolved
                                      Report
                                      Copy
                                      Resolved

                                      I AM USING HDFC WOMEN'S GOLD CREDIT CARD ( NO.[protected])SINCE FROM LAST 2 YEARS AND WENT THRU THIS HORRIBLE EXPERIENCE.
                                      WHEN I GOT MY MONTHLY STATEMENT DATED 03.02.2008 WHERE IN I WAS SHOCKED TO SEE CASH WITHDRAWL( on 2 days) FROM MY CREDIT CARD OF AROUND 30000 plus their cash advance fee and finance charges of around 2600 ie. total of 32300.
                                      Kindly note that I myself was aware of the pin of the card as I distroyed it on the day i received the pin. As per Bank people it has been used by known ones but it is not at all possbile bcz nobody else is aware of the same other than me.Moreever, the card is still with me so there is no question that someone has taken it and again put back that too on days.
                                      When i requested bank to send me the video clippings of cash withdrawl as proof they denied that.
                                      I would appreciate if any one can help me how to resolve this issue.

                                      Regards

                                      Kiran Rawat
                                      Aug 14, 2020
                                      Complaint marked as Resolved 
                                      Helpful
                                      Found this helpful?
                                      Write a comment
                                      Report
                                      Copy

                                      Post your Comment

                                        I want to submit Complaint Positive Review Neutral Comment
                                        code
                                        By clicking Submit you agree to our Terms of Use
                                        Submit
                                        S
                                        Saurabh Baid
                                        from Delhi, Delhi
                                        Mar 25, 2008
                                        Resolved
                                        Report
                                        Copy
                                        Resolved

                                        Gift Plus

                                        My close uncle gifted me a Gift Plus card in November 26, 08 with a credit of Rs. 5000/-. However due to preoccupation I could not open my gifts, as a result I came to know that my card expired in Feb, 08. However my uncle had saved this money for long for me, and I dont want to loose this gift. The Bank Official told me that since the card has expired so it stands cancelled and my money would be forfeited. Kindly help me or else i would...
                                        Helpful
                                        Found this helpful?
                                        9 Comments
                                        Report
                                        Copy