HDFC Bank Complaints & Reviews

Sir/Madam


HDFC Home Loan representative offered me a housing loan with lowest interest and I submitted all hard copy of documents asked by the representative for validation. As per the direction of the representative documents uploaded in the online portal On April 13, 2023.Next day, HDFC representaive made a phone cal and informed me to pay the processing fee as all the process is completed.

Soon after paying processing fee their version changed. The representative now says that the RBI guidelines are changed just after my application submission and now my KYC documents are not meeting RBI guidelines.

Immediately I asked to cancel my loan application and refund the processing fee. They asked me to send a mail request to customer care for the same.Suprisingly next day, HDFC representaive made a phone cal and informed that they will process the loan which I rejected and asked for a refund.I had made several mail requests to customer care HDFC to process the request which they didn't respond.

Through this platform I would like to enlighten every one about the Home Loan strategy followed by HDFC:

1. First attract the customer by offering lowest interest rates and then deceive the customer as if entire validation process is completed and loan approval is pending only because
processing fee payment is pending.

2. Once the processing fee is collected then they exhibit their true colors. Give reasons as invalid/insufficcient documents or against RBI guidelines and simply delay/reject/ drag the loan processing .

3. Customer satisfaction is of least importance to HDFC and only total amount collected under processing fees matters to them.

Your team wrongly guided, misleaded and cheated me to collect the processing fees. HDFC please refund my Loan Processing Fee for file no:[protected] if you really value the customers.


Thanks & Regards
Mahesh Kumar

The above Life Pension Super plus policy was taken on 25/2/13 which matured on 25/2/23.
I was offered assured guaranteed pension policy which I did NOT like the returns and terms / conditions and cancelled the same during free look period.
Now I am requesting for payment of surrender value which as per policy term is equal to NAV as i have run policy more than 5 years . But company NOT agreeing to pay the surrender value which is illegitimate and I am losing interest every day passing

Regards
Sanjay K Sachdev
[protected]

Dear Sir, During checking my monthly credit card statement for april 2023I find a transaction of Rs. 3, 223.78 as AGGREGATOR EMI - OFFUS. What is this transaction meant for please clarify? However, I am to inform you that I have not applied for any loan anywhere against my credit card so far. Please explain the transaction so that I will take effective steps for its management.

Not take or buy any thinks from hdfc credit card.
now i see automatic apply a loan and convert in emi also cut 5000rs from my credit card
after i try to connect him no one pickup my call
being a middle class man its very unfaithful
sharing the statement please help
AGGREGATOR EMI - OFFUS (Ref# 09999999980417000311735) 19, 999.00 Cr
18/04/2023 OFFUS EMI, PROCNG FEE, [protected] (Ref# 09999999980418006685890) 199.00
18/04/2023 IGST-VPS[protected]RATE 18.0 -09 (Ref# 09999999980418006685890) 35.82
23/04/2023 OFFUS EMI, PRIN NB:01, [protected] (Ref# 09999999980423009087367) 3, 223.78
23/04/2023 OFFUS EMI, INT NBR:01, [protected] (Ref# 09999999980423009087375)

Hi Team,

I transacted 930 rupees on 30Apr2023 via UPI using Paytm App but amount did not credit in merchant's account.

UPI ID: gpay-[protected]@okbizaxis
UPI ref No.[protected]
Other details as per Net banking statement: UPI-RAVI Enterprise-gpay-[protected]@okbizaxis-UTIB[protected]-NA

My mobile no:[protected]
My Email ID: [protected]@gmail.com

Please help me resolve this issue.
Thanks in advance.

Dear Sir/Madam,

i received a call on sep 29 2022 from HDFCLIFE( i am not aware of any policy), said offering the below, when they said HDFC EMI home loan EMI reduction and it is possible and i said OK .

1. policy term 10 yrs ( HDFCLIFE Classic Assured plus)
2. paying term 7yrs.
3. premium 156000/ annum
4. On mature : 19, 12, 532
5. Credit card 0 EMI.
6. EMI reduction from 8.45 to 5.20.
7. 3 gram gold coin.

He sent me cash of 15000 for gold and 10200 for Credit card EMI,
I believed and i am following up for the 6 months for Reduction of Home loan EMI till now, saying i will complete by next week/month... like wise

The main purpose of buying this policy is for EMI and for my son studies after 10yrs.

I have escalated this issue with Escalation1, escalation2, escalation3 have not received any update on this ( or ) not given any proper resolution on this fraud policy.
I am following up with this for the past 2 months and i didnt received any update from escalation teams.

A fraud was done to me by agents who said he is a hdfclife employee but but were agencies ( FINWAZARD TECHNOLOGY PVT LTD) .
But the HDFC customer grievances department doing false review and providing the same information that "you have accepted and we provide the policy" sending wrong review. Request you to intervene and please check that these insurance brokers stop the harassment wherein they have left linked agencies/brokers to work for them and get their policy done in the market. Please check below in inverted wherein I have written the whole case to them and i have not received any update on my issue.

It seems HDFC LIFE encouraging agents to give false offers to the customer and making them suffer once the policy is registered.
I need your help to help me fix this issue, i cannot continue with the profit less policy,

[protected]-----
Below is the update from Escalation ( Grievance team) :
[protected][protected][protected][protected]

neo chandru

Apr 12, 2023, 8:05 PM

to escalation2, escalation3, service, escalation1
Hi Team,

I need this to be investigated as soon as possible. I waited a lot .
I have added escalation1, 2, 3 - please help me to resolve my issue, please read my emails for more information.
I am not satisfied with the HDFC Life service, please cancel this account and refund my money back.
Verification from your end is not clear ( i bought on 29 sep 2022, but it shows 2020 ) is not done clearly from your end.
I Have not seen any action against the agent ( subamani ( shared contacts ) ) who betrayed me on the offers.
This proves that you are helping the agents to make fraudulent offers to increase the count.

--
Regards
Chandru S.

On Wed, Mar 15, 2023 at 11:19 PM [protected]@hdfclife.com wrote:

Dear Mr. Chandru Subramani,

We refer to your concern raised regarding the given policy 25317573

We have conducted a detailed review of the facts presented by you and found the following:

§ The policy was issued to you on the basis of documents shared and your consent on accepting the terms and conditions of the policy.

§ A pre-conversion verification check was conducted and successfully completed, thereby giving your consent towards issuance of the policy.

§ Copy of the proposal form along with benefits and the policy contracts has been timely delivered to your correspondence address on 11.08.2020 as a part of the policy document kit.

As per Policy for Protection of Policyholders Interests Regulation, 2017 issued by Insurance Regulatory Development Authority of India, the Policy holder is given the option to cancel his/her policy within the free look period, if the Policy holder is not satisfied with the terms and conditions of the policy.
Cancellation request is received beyond free look period.

Basis the mentioned facts, we conclude that all features and details of this plan were explained at the time of purchasing the policy. We regret that we are unable to accede to your policy cancellation request.

HDFC Life does not encourage alleged discrepancies or issue any insurance contract based on incorrect information. The Company, as a part of its internal policy, always sends policy bond with all the supporting documents to the Policyholder to reiterate the terms of the policy.

We sincerely urge you to continue with the policy as the benefit of a life insurance policy can be realised in the long term.

In case you are not satisfied with the above decision, you may write to the first level of escalation within 8 weeks of receipt of this email at the below address or send an email to [protected]@hdfclife.in or visit https://www.hdfclife.com/customer-service/grievance-redressal. Please do not change the subject line of this e-mail while replying to us, which will enable us to serve you better.

We hope to have addressed your concern satisfactorily. For any further assistance, please feel free to contact us. We'll be glad to help you. We will be glad to help you.

Warm regards,

Vipul H

Service Recovery - HDFC Life

I changed my account to NRO last year and since then I am not able to receive OTP on my registered mobile number. I tried reaching out to them through emails but there is no response from their side. Frustrating experience from HDFC.

CUST ID:[protected]
hi, some of money is put on hold by the bank, but the bank didn't notified me regarding this before or after freezing the funds. Even after I've contacted the support many time and visited the branch multiple time they didn't provide me a official response regarding this. I am very disappointed by their service and failure to inform their customer of a transaction even I've raised a concern and filed a written complaint with the branch.
i would like say that this entity is unable to do its job. i will consider it a as a gross negligence towards its customer.
i would like to file for damages for causing me trouble and distress by failing to do their duty.

I can see that my bill statement is viewing the OFFUS EMI PRIN status with amount 1965.59 and offus emi interest with 74.63rupees from last few months.

Above thing is getting included in my bill statement and why would I pay the due charges if they are not being used by me at all. I have paid all my previous bills on time.

Dear sir,
I was carrying out transaction of ₹1000 to Mr. Yashraj on 10 Apr 2023 which shown pending & later it got confirmed and the transaction was of ₹10000 erroneously. For which on same date i reported to HDFC Bank customer care as well as HDFC branch at Chadura, Budgam, J&K. But both of them denied to extend any kind of help. After registering the complaint, they disposed off without any clarification or resolution. I erroneously...

User ID[protected]
Incident - On last credit card statement(15/04/23) it is showing an OFFUS EMI of 6, 139.99.
15/04/2023 - OFFUS EMI, PRIN NB:01, [protected] (Ref# 09999999980415001875138) - 6139.99

But I havent purchased anything on that and I need to get the complete details.

We (Myself and my Parents) had come to open our joint account on 10th April, 2023 at yoru Khandwa road Indore branch. We clearly mentioned in our application forms that we will need a debit card and a cheque book on my mother's name. What arrived after 10 days was just the cheque book. Now another 10 days have passed and we still don't have a debit card and this has stopped us from operating the new account. I twas crucial for us to get this account opened and card arrived on timely manner but seems HDFC has just repeated what other inferior bank's practices are and this has disappointed us. We chose your bank for a reason and it seems this delay has . I met you both on friday 28th April, to discuss or complain about the same and was assured that you will send me a complete investigation as to why this happened, but till now there has been no official response from your side. I would like to formally raise this complaint against your branch or the team who are to be blamed for this inefficient and unprofessional way of handling a new customer's account opening procedure.

We (Myself and my Parents) had come to open our joint account on 10th April, 2023 at your Indore, khandwa road branch. We clearly mentioned in our application forms that we will need a debit card and a cheque book on my mother's name. What arrived after 10 days was just the cheque book. Now another 10 days have passed and we still don't have a debit card and this has stopped us from operating the new account. I twas crucial for us to get this account opened and card arrived on timely manner but seems HDFC has just repeated what other inferior bank's practices are and this has disappointed us. We chose your bank for a reason and it seems this delay has . I met you both on friday 28th April, to discuss or complain about the same and was assured that you will send me a complete investigation as to why this happened, but till now there has been no official response from your side. I would like to formally raise this complaint against your branch or the team who are to be blamed for this inefficient and unprofessional way of handling a new customer's account opening procedure.

Address:hdfc bank charkhi dadri haryana
Hi,

I am hdfc account holder, few days from my account got deducted 472rs ("brn cash txn chgs incl gst") . I didn't receive any message or alert from you when i checked my account statement i came to know about this. I am disappointed with this kind of behaviour about not informing the customer. I am still confused about this deduction.

Regards,
Hdfc customer

Hello sir/madam,
In my HDFC salary account I deposited 25, 000rs and tried to add money in mobiwik using HDFC debit card, it’s declined and shows inefficient balance so I checked my balance in net banking it’s showing 25, 000rs on hold . Then I reached your by HDFC bank and submitted letter about this and they told its takes some days . I waited for 1month still not no response from the bank so I tried to contact customer service through mobile and trying to reach ivr mode and asked to solve this issue so they failed a complaint and told within 7 days we take an action and I waited and received a message after 7 days the ticket is closed . Now my total money above 30, 000rs on hold and charging no maintenance charges . Please take any action from HDFC bank

I ordered a product from Amazon on April 7, 2023, for an amount of Rs. 38854 from my HDFC credit card.The order id is[protected]. I returned the product on April 18, 2023, and they initiated the refund on that day, but still, my refund has not been received. The refund reference number is 3108jxbG.

Hi Team,

Rupees 2655 debited from my account on 26 apr 2023 with narration INTER-BRN CASH CHG INCL GST 060323-MIR[protected]

Can you please check and update the reason for debiting the amount from my account.

Thanks.

Account blocked due to undelivered my address change from .

Name- Sangeet Mahajan
Mobile number -[protected]

A certain amount 89/- has been debited from my account and now my balance is in negative -441/- which means a total a 530/- is going to debit as ACH DEBIT CHARGES, which I think doesn't not makes sense I have paid all my pending dues. As per your customer support they said it is debited by the branch, I have multiple accounts in different banks but they did not debit such amount in salary account. Please refund

My adviser code..60256519 for Exide life.. Exide was merge in HDFC.
Please remove my adviser code from IRDA portal or from Exide life hadfc life.

Name-Bhagyashree Suryakant Dhuri
Email id- [protected]@gmail.com
Pan no.AXTPD5542J