HDFC Bank Complaints & Reviews

I hv taken a personal loan from HDFC Bank vide Perosnal Loan Account No[protected], of Rs. 1 Lac @ 18%.

While the bank is providing the same loan to other collegues of mine at 14%.

After asking to the bank, Bank shows its helplessness regarding this issue.

Actually they dont have any fixed guidelines, If India such a big bank dont follow the guidelines, then nothing can be done.


Any way i hv done a complaint upto Head Office, also. But no one is ready to listen.

Rajeev Gupta
[protected]

I happen to take the loan from HDFC in the last year Dec 2007. Sorry to say but I had the most horrifying experience with the bank till date. I happen to read there slogan in there website "HDFC is an organisation that strives for excellence, with the twin objectives of enhancing customer satisfaction and shareholder value” , and in my personal experience this is totally untrue ,there executives don’t know to fulfill the customer satisfaction, forget about enhancing it. And I have experienced this not once but twice in a row!!

Here’s a brief of my issue.
I had approached HDFC in the month of Oct 07 for Home Loan , after selecting the Project I requested the bank to confirm whether the Project is been approved by the HDFC, so that I can proceed with all the formalities. Your sales guy after checking confirmed me that the Project is been approved by bank and I can proceed with the formalities, accordingly I submitted all the required documents with the bank. Even after submitting all the required documents , I didn’t get my file number for more than 15 days, after constant follow ups I get to know that the project was NEVER APPROVED.
Based on the sales guy confirmation I had also made the initial payment to the builder. Am surprised when the project was never approved why the sales guy gave me the wrong information!! To top it up with the problem, I was never provided the right information , sales guy…the bank people tried to avoid me than helping out. I had to personally drop in to the bank and meet the legal to know the details and he informed me that the project was on hold from long and it was never approved. Considering it as a human error on part of sales guy , I asked the bank to proceed with my loan application without property being selected. And I would have the new project selected shortly.

During the mean time my builder (initial Project) got his project approved, this gave me relief from selecting new project. I asked the bank to proceed with the loan disbursement. Since this project is in under construction state we requested for part disbursements. We had our first disbursement done
Now when the builder approached the bank for his second disbursement, the sales guy confirmed me that it would be done by 31st Jan08. However till first week there was no news of cheque. Does the courier services with in a city takes so long??? When I followed up with the bank, they said the cheque is already been dispatched and has been received by the builder. When I asked them to give me the courier number, I get a response from the executive “I don’t courier from my desk to give you the courier number, the cheque is received by builder please check with them”. In realty the cheque was never dispatched and couriered to the builder, it was lying with the bank only.

I have lost the credibility and integrity with HDFC and its people. Each and every person I have interacted in HDFC has given me the wrong information. Nobody tried to help me out, in turn I have to always call up them to get details and update. No one bothered to keep me informed, rather they showed their frustration on me whenever I have called them, they either ignore my call and don’t any courtesy to call back or give me the false information to avoid.

I’m afraid if I would like to continue my loan account with HDFC anymore!! Every experience with them is making me to think to close my home loan account.

Dear Sir/Madam
i had withdrawn Rs 50000 through an a/c payee cheque on dated 07.02.08 and was shocked to see the quality of the currency issued by the branch.
bank is issuing unsorted curreny to the customer, hence violation of the RBI guidelines is observed:
In single packet of Rs[protected]x100)
(1) issuing cut and mutilated notes
(2) issuing ashoka pillar notes denomination of Rs. 100 (eg: no. 6PF274880, 3LU470225, 8BC406988, 8UR499750)

this problem also faced while taking withdrawl through ATM at M.G.Road Agra.

several times same has been communicated to the branch officials as well as ATM guard - complaint register not provided for complaint.

this is an serious issue, the same is grossly neglected by the branches located at Agra.

Thanxs & regards

Dear Sir,
When I got the conformation call for the credit card the customer care person said there is a offer of 1 year free medical insurance from bajaj alianz. Since it is free i agreed for it, but when i recieved the 1st month statement there was a bill for Rs. 4590 immediately i called customer care and informed they said to drop a letter for cancellation i did the same again within 15 days i recieved one more bill with Rs. 5125 again I called to customer care they said to send a mail. From then i am repeatedly sending mail & complaining to the customer care but they are telling it will be cancelled but still it is not done. I don't want to loose the card but if this continues please cancel the card. Please do the needfull as soon as posible thanks
Arun Prasanna Kumar
Card No: [protected]

This is to inform you about the sudden closure of my current account (#) on 24th January, which was linked to my savings/salary account #.
Since the weekend of 26th January, I had stopped seeing the current account in the Accounts list on the Net Banking menu. I did not react to this for a period of 3 days, under the impression that this was due to a major server upgrade that was scheduled at your end during the weekend. Finally, on 31st Jan I wrote an email to your support center demanding an explanation for the disappearance of my account. The reply on the next day said that my identity could not be verified, although this is the same email address that is registered with you. On the same day, I posted the same query through net banking (ref. P[protected].
On the evening of 2nd February, I received a statement for the closed account mentioning that the account had been closed due to ‘Amount due from you + Penal Int’. On receiving this, I called Phone-Banking to enquire about the same. Since the phone-banker couldn’t resolve the issue, I demanded to escalate the call to a supervisor. The supervisor registered the complaint & assured of a reply by 3pm on Monday. After my call was made, an email was dropped by Silvy Abraham from your branch at the registered ID informing me about the closure. At 6 pm on Monday, the 4th, the supervisor (Ms. Meghna) told me that someone from the branch would be speaking to me this evening; but no one called.
I am extremely disappointed by all this & request you to please consider the following facts:
1. Failure to reverse ATM Charges
The ATM card had been used at another bank’s ATM sometime during September or October due to which a charge of Rs.28 was made. Despite of the allowance of 10 free transactions at any bank’s ATM every month, this charge was not reversed for 3 months. Following this, interest was capitalized on this amount for 3 consequent months.
2. Expected inflow of cash in the closed account
I was expecting a re-imbursement from my employer, M/s Larsen & Toubro Infotech Ltd., towards the end of January after a 4 month long procedure. Due to this sudden closure, I am going to have to face inconvenience to have this amount credited back to my account.
3. Lack of customer concern
Since this account was linked to a salary account and under a corporate scheme; the bank should have shown some concern by communicating about the closure. I wouldn’t have hesitated to transfer Rs.30 from my salary account to avoid any further chaos. Such unprofessional behavior wasn’t expected from the bank with repute.
4. Repeated issues with the bank
I had filled the form for this account on 19th July, 2007 and my account wasn’t processed for the next 45 days. Moreover, I was made to re-fill a form towards the end of August. Due to this, there was a delay in receipt of my first salary, an event which has unspoken importance. Though I had not escalated the issue at that time, I now believe that I should have.
Despite of having an option to open my account with another leading bank, I chose HDFC Bank due to its trusted brand image. But I am sorry to inform you that over the last six months, I have received great disappointment from the services offered.
I hereby request you to look into the matter & re-open my current a/c retaining the a/c no. as I am expecting some more payments to that account. Also ensure that any transactions that failed due to this closure are completed as soon as possible. Please resolve the matter at the earliest.

Hello Everyone

I participated for Future Capital Holding and Reliance Power IPO, On allotment I was issued 8 shared of Future Capital and none for Reliance Power where as I have invested around 1.3 lakhs collectively. I have still not got the refund i.e. balance of 8 shares yet and dont know whom to contact.

When I call up at HDFC Sec Customer care there is no proper reply, all they are saying is contact both the companies.

I have a strange feeling of money being lost. Is anyone facing a problem like this, if yes what is to be done to be bailed out of trouble.

Thanks and Regards

Jithesh Nair

iam using your hdfc cridit card last 2 years but now a days the card statement not delvery proparly i need the month of 2007 decmbor statement if your not sennding proparlley i dont want your bank c cards, becous i dont no the month of decmber transaction pls seend a statement and dont put any late payement fees thanking you

Credit card Department
HDFC Bank
Chennai

Dear Sir / Mem,

I Rakesh Kumar, Age 27 Yrs, residing at H. No. 48, Rampuri, Kalkaji, New Delhi-110019. I have credit card account with HDFC Bank (Credit Card No. [protected]).

I got credit card bill amount Rs. 872.00 on date 9th Jan. 08 (Due date will be 23 rd Jan 08). Due to some financial crieses I was not able to pay the bill on due date, I dropped cheque amounting Rs. 872.00 (deutsce bank) on 26 th Jan.2008,
I am regularly paying my bills in full every month before due dates, perhaps it is the first time that I was not able to pay before due date. For this late payment of Rs. 872.00, bank imposed late fee of Rs.350.00 plus Rs.42.00 sevice charges. Is these charges are reasonable on the amount of Rs. 872.00.
Bank should go through the previous track record of the customer in these type of matters.
I request you to please have a look on above issue and take the necessary actions as early as possible.
I also request to HDFC Bank to deduct the extra amount that is Rs 392.00 charges on me due to delay in Payment, considering my previous track record.
For any further detail you can call me on my cell no. [protected] or mail me to [protected]@rediffmail.com

Awaiting for your quick response and action.


Thank & Regards,

Rakesh Kumar

Hi,

I have taken loan from HDFC bank in November 2006 for Hero Honda Bike. (Agent name Pramod Mobile [protected]) thru dealer Ambika motors Owner Kashyap mobile number [protected] , [protected]. Till date inspite of several reminders for last 1 year he has not given me the RC Book and has also not tracable as he has shifted his Dealer outlet. whenever I call for the RC book the person on the no asks for money for RC book. Kindly look into the matter and do the needful.

I had a HDFC credit card in 2001 in New Delhi. I had cancelled the card, somewhere in 2003 as the company had charged me some Rs.770 for renewal charges, but never send me a renewed card. I kept calling the call center of HDFC for 6 months and no action was taken. Finally i cancelled the card and made sure that the annual charge was reverted back.

In 2007, i applied for a loan and it was cancelled saying that i had Rs 1 pending on a credit card for more than 3 years and now the amount is Rs 89. To my suprise, somehow there is some pending balance for which the bank has send no intimation and now i have no clue how to clear this up. Reason being, that I dont remember my credit card no. any more and when i called the call center, they also have no record of my card details.

What is suprising to me is that when a company doesnt have any records of my card, how can there be a pending balance. I really dont know how to get this issue resolved as HDFC bank has been very rude and has provided no help regarding this matter.

I (Monica kaushik)am working as a HR in an MNC, I had made one debit transaction to one of my friends HDFC Savings account (Shekhar raizada). One day I asked one of my colleague (raghava Narayana)to transfer 4000Rs to the same Account Number (Shekhar Raizada).

Now there is a credit card fraud case in name of Shekhar Raizada (which we never knew). Now Me and my colleague (Raghav Narayan) are getting calls from HDFC People, that we have done a fraud by transferring money in Shekhar;s Saving account and they are torturing both o[censored]s. They are giving a Threat of blocking our HDFC's account as well as they are asking us to give them One Lakh Rupee. They are abusing us and are using non acceptable words.
I request you to take this case on the Priority and help us in giving suggestions that what can we do (as we are innocent and has no link with that credit card.)
Yesterday (31st Jan 2008) we have received more than 50 threatning calls from HDFC people.

Please find the details:

The phone number from where I am getting Calls[protected]

I have taken Rs.13 lakhs from HDFC Ltd as housing loan & prepaid it. But the insurance part for which I have paid a one time premiumof Rs45000/ had to be reassigned to my spouse name. Even after severe followup there is no positive response from HDFC ltd or HDFC insurance

Hi All,
This is another note on HDFC bank issues. I was upgrated and issued a GOLD Debit Card from HDFC showing me certain benefits that i would earn. Good part is I did not receive the debit Card pin for the past 1.5 month. The Original pin gets posted through the ordinary post and you know how the postal service works. Later point i went to my Home town(vijayawada) branch and raised a Duplicate request for the debit card pin. The branch tells me that on high priority basis the pin would be delivered in 3-4 working days. After 4-5 working days i visiting the branch and they say we need to look at the status. Since i had to return back to bangalore I said please courier me the Duplicate pin. later when talking to the phone banker, he tells me that there is not request placed against my account for a duplicate pin. Later i went ahead and requested the phone banker to raise a request for duplicate pin. till not it is fine thinking the issue is resolved. after 7 days i call back the phone banker and he tells me that the debit pin was send to Panckula, sector 8 branch , delhi whereas my account is with the Bangalore. now the guys are finding out where the pin got dispatched to for the past 2 days.
Bottom line i am without a Debit card and cannot access the ATM and withdraw money from ATM for the past 1 month and on top of it I am also exhausted my cheque leaves.
Even the Cheque book request was raised 1oth of jan and till date is has not reached me.

Thanks,
Sree

I have a due amount which i am facing difficult to pay due to finnacial problem tried to send email to Bank to waive off Interest and will pay rest amount in 4 or 5 installments but did not got any reply,if anybody please help me out by giving some top executive in HDFC so that i can request them to help me out

Dear Customers,
this is to warn against the ineffecient working of HDFC Branch ( First India Place , M.G Road , Gurgaon).
I applied for a housing loan with HDFC in the month of August'07 , for this i got confirmation of loan approval on Sep 13 ( File no[protected]/NK 50), a loan disbursal plan was also provided to me.
But even to this date HDFC has not been able to Disburse the loan of the grounds of some missing documents with the builder ( its almost more than 5 months ) since the loan is not disbursed hence my EMI could not start and hence i cannot avail the Tax benefit under Income tax laws.
I had written several mails to the concerned authorities but they have failed to provide any specific dates to me.I have been only telephonic confirmation on loan approvals from staff working with HDFC banks , but nothing has happened so far.
I had to leave for overseas posting with my family and will not be available for one year so due to this problem i am facing mental harassement as i dont know the exact status of Home loan besides the financal loss i had to incur becuase i could not produce the documents on Home loan payments.
I have spoken to all authorities but they are not giving me any dates so my entire investment is in jeoprady and i have nowhere to go , i am sharing this experience to let other customers know to what extent HDFC bank can go to Harass their customers mentally and incure them financial losses for which they are not taking responsibility.
It is thereby requested to avoid using the services from HDFC Bank Home loans specially the India Palace , M.G Road , Gurgaon Branch, which is highly incompetent in terms of customer services.

I dint get any details and receipt of credit card

HDFC Home Loan - Andheri - at Leela Gallery (Leela Hotel).
This is regarding home loan applied with HDFC. Female called as REshma sitting at front counter to accept application for Home Loan is pathetic and doesnt have any knowledge on Real eastate. She is not ready take my papers forward, doesnt even want to put that up to technical dept (advocate, lawyer) to have a check on property. I need her seniors number so that i can take my case forward on my own.
HDFC Home loan located at Leela's number is 28304251 and her extension is 1.

Yes my dear friend, this is very common with HDFC, and the worst thing is you keep on registering your compalints on their website but no one bothers to send you a reply.

I had a credit card with HDFC and I have used it only once ( Nov 2003 ) as per my Knowledge. The amount is 300+ . Its linked to my saving account and the payment should be automatically made. My savings account at that time has sufficient funds.

After 5 years they are now calling me and says I have to pay Rs 2000 and I have used my credit card for with drawing cash. ( Which I didn't do as per my knowledge ).

When I ask them to give complete details about the transactions etc, they are not ready to give. I told them if I can get full details then I can verify and then make the payment if there is a mistake from my side.

But the guy who call me , doesn't give proper details and asks to make payment and when I request more details he talks all nonsense. His tell his name as Nandu and he is calling from[protected]

Now a days he is abusing in the phone as well. This disturbs me a lot and upsets and is spoiling my mood. The call comes at different times disturbing my office work etc.

I need some advise as how to go about this issue. Please do the needful help.

To
The Branch Manager
HDFC Bank,
2nd floor, Titanic Bldg, 26 A, Narayan Preoperies,
Chandivili, Andheri-East, Mumbai-400 072

Dear Sir,

I am an A/c holder(A/C No. of HDFC Bank, R. T. Nagar.

I made a money transaction through ICCI ATM centre, Kottayam, using HDFC Debit Card, on 17th Oct. 2007. I withdrawed Rs. 5000/-.Since the system got stucked, the cash not dispensed in the ATM but I was billed for the amount. As HDFC customer care says, I filed a complaint to the nearest HDFC Bank,that is, Kottayam Branch, in ten minutes time.

After that, I provided the card holder dispute form and all the details several times to all concerned people. But even after three months, I didn’t receive my money back, even though ICICI Bank claimed the money back.The charge back section of debit card disputes has not even replied to my mails also.

Following are the the email ids of all the concerned persons, i have tried to work on it.

directbanking.[protected]@hdfcbank.com
Debitcard.[protected]@in.hdfcbank.com
Rajesh.[protected]@hdfcbank.com

I look forward to a speedy action from your part.

regards

Rini Antony
Resource Mobilization Officer
SVARAJ, Bangalore
+[protected]