HDFC Bank Complaints & Reviews

I purchased a lg ac from bharat electronic and appliances coimbatore for 44, 000 on may 11 2020 using my hdfc credit card under the no cost emi option with a 5 % cashback offer and i was told that i would be receiving it in 3 months time. But till now i haven’t received the cashback amount. When i reached out to hdfc bank, they are asking me the charging slip and asked me reach out to the merchant. I was never told that i should keep hold of the ‘ customer copy ‘. When everything has been computerised and ‘ paperless ‘, how can they expect me to keep the charging slip for 3 months. Everything should be in their system. As everyone knows, every time when we swipe the card, the merchant asks do we need a ‘ customer copy’ and we mostly say we don’t need as all statements are available for download. Even hdfc send the statements in mail and not via post as hard copy. So it’s baffling that they expect me to hold the charging slip. These kind of cashbacks just seem to be a clear scam by hdfc to make us buy their credit cards. I have been using hdfc card for many years now and am seriously disappointed at their attitude. On trying to reach the bank executive/ manager of the credit card section in coimbatore, mettupalayam road branch, they dont even have the courtesy to meet or call us after making us wait for an hour. Seriously disappointed with this kind of attitude

Hi,

Name - rohit kumar mishra
City - bangalore, karnataka
Contact - [protected]/[protected]
Loan id[protected]

My name is rohit mishra, i had a 2 wheeler loan with hdcf bank which was closed in march 2020. As a regular process, i was supposed to receive my vehicle noc from the bank. On march 09, 2020 i received an information message where it was mentioned that my noc is being dispatched, but there was no contact details of the delivery agent and also i did not received any calls either from the bank also from the delivery agent upon rech for delivery. Now, after few days i received again a message from bank saying my noc returned undelivered and i have to go and collect it. Soon after this incident nationwide lock down happened which effect people's movement. I could not visit the bank in the same period as i was not sure which days bank is open and which days it is close. There is no point of contact to bank right now, you cannot chek when they are open and when not, on website it updated as a regular status just for formality, i have been chasing the customer care to provide me the solution for the same issues. Customer care also is not available due to covid crisis, even now the system has started running smoothly allover the country.
When i could not reach to any of the bank representative or had any clear picture of operations i wrote an e-mail regarding the issue on 3/21 and followed up on 6/19. The part of conversation are listed below.

External message*

Hi alpesh,

Further to my query against my loan id[protected], for which noc was not delivered.
Please go through the points below which are left unanswered. Kindly revert back with enough proof.

When the noc was sent, none of the executives had contacted me before reaching the destination, moreover the bank has not shared any details with me regarding tracking of my package. Why so? Is it not banks responsibility to contact their customer before delivering the package or share the package details with them?
When i received the call yesterday from one of the hdfc representative via landline[protected], he asked me my email id and confirmed me that re-attempt of delivery will be taken from the bank side as due to lockdown delivery was unsuccessful, but here on mail i am not seeing any of the said information provided me over call.
Moreover, today i have received again a call from mr. Ramesh, one of hdfc executive via mobile [protected] and he has asked me to collect the noc from the hdfc bank branch of indira nagar, bangalore by paying the amount of 500 rupees. May i ask why? Why this charge i have to pay when there is no delay from my side. Firstly, the bank has not taken any initiative to update their customer about their package so that he could have tracked and managed to collect the package, moreover it was said it has come undelivered and the executive has accepted that it was from the bank side then why i have to visit the branch now? Well in my opinion, if a customer does not have any idea about the package he cannot collect it. It is the bank's responsibility to provide enough details to their customer before claiming such a statement.
Also, when the lockdown was imposed in the country, movement of individuals was restricted, at that time how you suppose to believe the customer to collect the noc by visiting the branch, and now the bank is saying i have to pay charges to collect my noc? Isn't this ridiculous?
Kindly provide me with a satisfactory explanation of the above questions and re-arrange the delivery for my noc.

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By this time i have got the information that i need to pay 500 rupees to collect my noc.
I visited one of the nearest branch after the lock down norms were eased in may 2020, where it was advised to me that i have to visit a particular cmh road branch, bangalore branch (Address mentioned in the address column) for more inquiry. I visited the branch on 07/15 and after reaching the bank branch i got to know that branch is closed due to some emergency reason. Now again i visited the branch on 07/28, firstly i was not allowed to enter the branch to meet any of the executive, moreover security guys at the branch were telling me again to come in the morning and collect the token and then the appointment will be fixed.

Now, question is :- where is the responsibility of bank to inform their customers for any changes in their work routine, there is no point of contact and no one is taking any responsibility to address any new sop or update to their customer, it s a total of 12 km distance of the branch from where is live and moreover i am a working professional. I personally took 2 times purposely leave for this occasion as the regular working days crosses with my company working days. It is not practically possible for me to re-visit the branch again and again.
First of all, the bank should have provided me the tracking details for my noc if it was tried to be delivered, which was not given. I could have collected it after reaching to the delivery agent or any one through tracking details.
Secondly, there is no valid reason for them to charge a customer 500 rs for their work, it is bank's duty to deliver the customer documents to the customer and they cannot charge for that. Simply saying the noc could not be delivered does not justify your responsibility, show me the proof.
Moreover, my efforts were always to collect it on my own even after such bad customer experience and as a result still i am not having my noc.

Solution:- i need my noc to be delivered to me in a fair mean, no charges and less hectic system. Also, ask bank to understand and value their customers. Sitting behind air-conditioned walls and not allowing your customers to enter in the branch, what type of rule is this? I was not even allowed to talk to any of the representative, security guy was, it is so exhausting to see how a customer experience is placed in the public sector entities.

I have applied for savings bank account lately in the april 2020. However, i have not received my welcome kit, debit card and cheque book till now. I have tried to contact my home branch for the same, but they are not helping me. I have tried to contact your customer care on number[protected], but they are asking for my debit card number for verification of my identity when you have not provided to me till now. Then i mailed you on july 28 on [protected]@hdfcbank.com hbl=[protected], however no response has been received till now. Thereafter, i have lodged a compliant on your grievance portal hbl=[protected] and i received an email from you in which you was asking for me and my family’s health and telling me that you are committed to services. Thereafter i have tried to contact the nodal principal officer on[protected] on date 31.08.2020 but no one bothered to pick the call and now i think i am having a single option to withdraw the money and close the account. Please let me know if i am having any other option apart from the said. I know due to covid no one is working with full capacity but atleast everyone is working upto some extend and not sending empty emails which are useless.

Name - rohit bansal
M no. +91 [protected]

I have a dispute going on regarding unauthorised transaction since few months now.
Hdfc isn’t resolving the issue now even replying to my mails.
They have been charging interest rate despite me requesting to inform me how much payment do i make to avoid such scenario
Dispute:the transaction got approved without any notification on the next day despite o[censored]nsuccessful transaction message and mail. Ref :- [protected]

How will i come to know regarding this? Hence haven’t made the payment since.
Now even thou the dispute is going on, the bank is charging late payment fees and interest on the outstanding amount.

I have advised i am ready to make the necessary payment until the issue is resolved but i haven’t got any mail or a specific amount to the needful.

Hi, i have hdfc credit card whose payment is pending of about 147000. Due to pandamic situation i was not able to pay it. As morotorium period is ending on 31st au i decided to pay it from september but its employee calling me againg and again anf torchering and forcing me to pay otherwise they come to my house for collection. Please help me. He is calling me again and again since last few days and creating menal pressure on me. His contact is [protected], [protected]. I just want that what appened tome should not happen to anyone else. So kindly give them a warning so that no one sufferes

Hi, received a message today and last month as well saying - alert:rs.169.00 spent via credit card xx2125 at amazon1258399 on[protected]:12:12:47 without pin/otp. Not you? Call [protected]

Dear hdfc team
My account number (Protecter)
Hold amount 587rupee
It showing mirevenue hold through gefu
Please realase my amount

Thank sir/madeam
Suresh naik

I have opted an emi moratorium for the period of 6 months as per covid 19 relief package by indian government. I have home loan in sbi but ach in hdfc account. But every month hdfc bank debitted debit return charges from my account since april 2020. I am requesting hdfc to return my amount which debitted since april.

Hi Sir,

Since i have been using credit card from HDFC for past 4 years, But i left my job in jan 2018. Then i paid the minimum due amount. I have paid more than what i have spent. The outstanding accumulated much and I could not pay for last 2 months. The staffs called me regarding the payment, i told the above mentioned and i asked for settlement process. They did not reply me and my outstanding amount increasing heavily month after month. I am feeling depressed about the interest charges that killing me and feeling sad why i got this credit card and now i am in debt trap.

Please consider for settlement and i arrange money anyway by borrowing with my friends.

Dear sir,
I had applied for 2nd round moratorium after that approve msg recived from bank.

Now they send me a notice about emi.

If my moratorium rejected then why not send a msg. Presently i am not in paying position.

Due to wrong address i couldnot able to collect my card, now alert received as it returned to HDFC again kindly call to customer care, now i need to know whether it is in My home branch or possible to resend it to my new address which i updated recently kindly letme know as soon possible

Dear Sir

I have not been receiving OTP for online transactions to my registered mobile number. I used to receive the OTP about a month back but now it is not coming to my registered mobile number. It is extremely frustrating. I have tried calling the customer care number but no one is answering. My account is at Chennai, Mahalingapuram branch

I had opted for the moratorium facility (April to august) for my hdfc bank credit card along with jumbo loans taken against the card. I had repeatedly mailed customer care, requesting them to stop auto pay deduction of emis against my jumbo loan.
Inspite of my monthly mails emis have been run and deducted. I was unable to pay for 2 months. My account is showing negative balance due to the emi bouncing. The collection team has been calling and threatening me to pay the emis (And normal credit card dues) even when i have opted for the moratorium.
As per details given in the hdfc bank’ website if any customer has availed the moratorium and his emis have been deducted then if the customer wants the money shall be re-credited in the bank account of the customer. I have repeatedly informed the bank officials to credit the emis of the jumbo loan, but they have denied to do so. Due to this unfair deducting of emis they my account is showing negative balance.in this regard i would like to request your goodself to have the emis wrongly deducted during the entire moratorium period returned to my account. They even threatened me and made me pay a part of the dues and an emi in the month of july.

I closed this card before this year's annual fees were charged and diners black customer care told me that even if annual fees charged, it will be removed automatically from your system.

I have been receiving daily 2-3 calls from your collection center. I have raised this issue over diners customer service multiple times, but the request still seems to be under process only.

Please stop this harrasment from your collection center immediately. My card was closed before annual charges for this year were applied so there is no point of me paying them.

I had opened a jan dhan account recently with hdfc bank for my mom. But the day we received the account details and logged in to the online banking portal we saw a negative balance of ₹595. This is totally unacceptable as jan dhan account is a zero balance account and should not be charged any thing.
I had sent a mail to hdfc support on the very first day (28 july 2020) i saw this and did not receive a reply from them until today (30 august 2020).

Account no: [protected]

Hi i am a hdfc bank credit card holder. The bank has auto debited rs. 1399/- (One assist mfee charges) from my credit card number ending with 3983 without my concern on date:27/08/2020. I am not interested about this service and don't want this membership any more. So cancel the membership and refund this debited amount of rs.1399/-

HDFC bank has put rupees 885 on hold without any intimation.
Its a salary account.
Their customer service team is the worst in the entire universe.
No one is answering my question and keeping me on hold for hours.

I opened my account on 24th july from nagaon branch hdfc bank. It's been over a month and i still didn't receive my welcome kit. I went to your branch and they were didn't help me at all they just said me that it will come. I asked them for my welcome kit so they just gave me my tracking number and said that it's not our job to get your kit. They also filled wrong email id during registration. I asked them to change it and they filled for it but its been 4 weeks and my email has not been changed. They said that they filled for it and it is not uploaded in the system. It has been 4 weeks since they filled for it. So i cannot even use online banking.

Hi, i had recharged my airtel mobile number with amount 647 via hdfc payzapp application. Transacation was successful and the same amount was deducted from my account but recharge was not done. I send a mail regarding this but no one is responding to mail or calls. Even on their number no one responds. Please help.

Hello

I have taken laptop on the offered of 10% cashback after 90 days, now loan is also over but cashback does not received.

Loan no:[protected]

Thanks