HDFC Bank Complaints & Reviews

I'm a student pursuing my bachelor's, , i recieve 1000rs for my miscellaneous expenses, out of which hdfc deducted more than 500 rs, citing amb charges, how am I supposed to survive now for two weeks?. First they deducted 240 for the month of November as my account was below 5000 i thought ok I will maintain from this month as I'm going home, then they kept deducting more money citing various other charges going as far back as april, they kept deducting till my account balance was zero. My exams are going on currently l, how am I supposed to survive 1000kms from my home, I was given no warning, recieved no phone calls before deducting, they have properly ruined my life.

I am also taking reference of following complaint:

https://www.consumercomplaints.in/hdfc-bank-hdfc-manager-was-saying-wrong-words-...⇄

I received a call on 6 Dec 2024 and initially things seem OK..I thought of moving ahead and provided relevant communication information like my phone no..alternate phone no and nominee phone no. After some time I decided not to move ahead and asked him that I will connect with him if I want to. few days later he started calling on all phone no I provided. I stopped responding him but he kept on calling on my wife's phone no. Today I picked up the call and asked him simply not to call on any of the phone no. He became abusive and started with foul words like mentioned in previous complaint above. He kept on calling on my landline no, mobile no. I have disconnected the landline and blocked on mobile no. His detail are:

Name - Adesh or Aadesh Kulkarni
Phone No - [protected] and [protected]

HDFC Life should do something with this person. He is maligning HDFC Life name.

Getting almost five calls a day from random mobile numbers and my RM lead is saying that they can't do anything for mobile numbers as those people are not the employee of HDFC bank. But when we ask they say that they are the employee of HDFC bank and can provide all types of loan.
I have raised a complain in April 2024 and no resolution is taken by Mr. Ritesh Waghmare (ritesh.[protected]@hdfcbank.com). Not only calls, received 15-16 emails in last 5 months from different employees of HDFC bank who sits in the branch. Why my RM as well as her leader Mr. Ritesh is sharing personal contact details with everyone in HDFC bank. Why our personal and financial details are not confidential, who gave them right to share such information.

I purchased a speaker worth 15580 from an e-commerce store & paid it with my credit card, as it had offers. After that I paid the outstanding amount in full full !

But, still I was charged with an OFFUSS-EMI !!

I demand a refund of the installments debited & the OFFUS loan cancelled.

I have been using my HDFC credit card for the past 5 years, yet I have never been able to access the EMI conversion feature. Every time I attempt to convert a transaction into EMI, the system indicates that the feature is unavailable.

This is a stated benefit of the card, and despite multiple attempts, I have received no resolution or proper explanation for this issue.

I kindly request clarification on the reason for this persistent unavailability and immediate steps to enable the EMI conversion feature for my card.

Wrongly Charged for the EMI while I don't have any EMI activated. Kindly resolve the issue.

OFFUS EMI, PRIN NB:02,[protected]Ref# 09999999981122000111643) - INR 5070
OFFUS EMI, INT NBR:02,[protected]Ref# 09999999981122000111650) - 324.89

Transaction of Rs. 6080 was reversed on my debit card on[protected]:19:37:32.

But till now i.e.[protected]:01:04:18 amount has not been credited.

Message received from HDFC Bank:

"Transaction Reversed!On HDFC Bank DEBIT/ATM Card xx3144 Amt: Rs.6080 By MAKEMYTR9875011 On[protected]:19:37:32"

Screenshot attached below for reference.

Ive loan with HDFC bank and My loan ID:[protected]. My account is Freezed because of multiple funding.

Due to unavoidable circumstances, I had to take multiple loans which is above my eligibility criteria as per bank policies. My father in law is in critical condition who can't take more than few steps and suffering from very severe COPD (chronical lung Disease), for him immediately BTVA procedure has to be done or else things will turn out to be fatal. This procedure is done only in few places in India (bangalore apollo, hyderabad Yashoda hospital). As my medical insurance doesn't cover my father in law and also my wife just delivered a baby and her insurance is also completely utilized.
We don't have any other choice than getting a loan from bank. This procedure will cost more than 7 lacs.
Just because of the situation I am in a situation where I got required loans but unable to perform his surgery because HDFC has blocked my account and all my funds are stuck in there.

I reached out to various loan centre branches like indiranagar, mahadevapura and also my bank branch manyata tech part but no one is of any help as this is been locked by credit Investigation team.

I sent numerous email to loan support team from 04/09/2024 up until last week and got a single negative responses stating that I need to close my existing loan (loan ID:[protected]. If I was in a situation of closing a loan all of the sudden then why would I prefer taking other loans at first place?? the only option for us is personal loans when emergency arises like this. I prove that I have all capabilites to pay my monthly EMI without fail then what more does HDFC bank is expecting from a person like me?? I had funds in my account but still defaulted from paying hdfc new loan because of the issues caused my HDFC credit team, collection team is sending mesages every single day and harassing me to pay EMI even when my funds are locked in your bank.

My life has become so stressful and miserable because of this incident. I don't understand why HDFC bank targets innocent like me when I promise to pay emi on time.

I really request you to help me out in this situation by releasing my account, so that I can start using my HDFC account normally and start paying my EMI on time. Please show some courtesy on my situation, I can provide whatever proofs that you are looking for on the medical procedure.

Please ask for the emails which were sent to [protected]@hdfcbank.com with proofs and attachments for reference

Hi I have an account in hdfc. I receive my salary in that account. They blocked my account because of my other credit card transactions. So I went and submitted all the documents regarding my transactions and gave an explanation regarding that transactions like I do swiggy and rapido part time jobs so that Petty transactions are from the customers of rapido so I said then and after that they said they'll come for the address verification. But it's been one week they still didn't give me any update about verification. Please do the needful and activate my account

I have been charged for not maintaining monthly balance for September and October this has not happened before

25th Oct, 2024, received a sms from HDFC on Mandate for Rs 13527.00 could not be cancelled due to IR.

Till that day, I could see the money on hold by Bank in my account.

Its still showing pending in Gpay as awaiting for withdrawal by Bank.

The SMS on not able to refund was from bank, both Gpay and Zerodah both confirmed its Bank needs to unlock my money.

It was on hold at bank but now bank is not unlocking the funds for use.

Sar humne hdfc limited bank se morgan loan 30 lakh rupaye liya tha kiska emi tha 31509 lekin sar humse 1361 har mahine emi ke roop mein jyada le rahe hain bank wale se baat kiya to unhone bola ki aapka ek insurance hai jo ki humne kabhi kiya hi nahin hai ho sakta hai humse dhokha se kahin sign paper per le liye honge sar aap se nivedan hai ki hamen jald se jald speak kaarvayi karen

Mobile no. [protected]
Loan no.[protected]

Few weeks ago I updated my communication address and that time address was successfully updated and I get confirmation on mail. After few days I received one email that saying your address change latter is undelivered hence your account is restricted. This is my salary and Mai account no one is helping me to activate my payments. I am suffering from this. I contacted to bank they don't know anything they said it will automatic resolve in 24 hrs but still not resolved. I need to activate my account as soon as possible

Beware of scams by Insurance companuies like HDFCLIFE especially their policy named Sanchay Plus(SPL). I went to the HDFCLIFE office in Bangalore to close my earlier policies and they convinced me to put 1.50L in the above policy of policy#26805792 which is basically a scam. Let me tell you why. You have to pay 1.50L per year for 10 years plus GST for initial years, where your family members get 16L anytime you die. After 10 years you don't get any life insurance but get 2.6L each year for 10 years.

Please note you can get a 16L life insurance for 10K premium per annum. So you are left with 1L 40k per annum. Even if you do FDs of 1.40L per year at 7% pa for 10yrs you will get a return of around 20L lumpsum at the end of 10years and dont have to wait every year after that for part payment. Moreover you will also save the GST paid for the initial years. Please be careful about this.

Also bigger scam is when I paid for first year and lost my job and told them to close it before second term and they said they can't return my money because Guaranteed Surrender time period is 2 years which is a bigger scam. So they want me to pay another 1.50L+ GST(totaling 3.16L) and then close the policy and they will return back only 92k(now I am losing 1.58L but if I closeit next year, I will lose 2.22L).

So basically they are just fooling us.

Hi Sir,

My Name is Sonam.
Am your existing client last so many years i have a problem with my saving account always directing the money the amount is 3211.
please resolve my problem i have mention the details see the below

ACH D- CTRAZORPAY-NDXP2PPRIVOgt68BFqep18

Reference no :[protected]

Dear Sir/ Madam,

I couldn't maintain AMB due to financial crisis
No communication through telephonic calls or SMS was made by bank regarding non-maintenance of balance and its implications.

Now recently I have received aid from Government through schemes like 'Mukhyamantri mazi Ladkin Bahin Yojna'.
Unfortunately the money was deducted by bank as penalty for not maintaining AMB.

I am in need of the financial support and need refund of monies provided by government as financial aid for needy people.

I intend to continue with the account and will maintain required balance but need money to be refunded in order to do so.
Below Compliant Reference Details Bank received
Cust Id:[protected] Ref No:[protected]

Your Respectful,
Priyanka Manbahal Pathak
Contact No: [protected], [protected]

My name is "Matani Balakrishna" Recently i opened my salary account in hdfc bank, i got instant account kit, also my September month salary also credited into the bank. From bank end they sent a welcome letter to my residence address, but i couldn't collect welcome letter due to i'm out of the town during delivery time, because of welcome letter not receiving my account has been freeze. For reactivation i visited Prestige Shantiniketan, Whitefield branch on[protected] i raise a complaint against account has been freeze. As of today[protected] still my account not active. And the branch staff behavior also not well, they said wait until the activation. i contacted persons names is "Smitha & suman [protected]"

My account details:

Matani Balakrishna
[protected]

Contact: [protected]

HDFC Bank has debited my account no. [protected] with following charges-
[protected] = 708 Rupee
[protected] = 552 & 708 Rupees

Please refund the charges as I don't have prior knowledge of these charges.

Had purchased hdfc sl progrowth super ii from hdfc life which was the biggest mistake of my life. They firstly blocked surrender for 5 years. When i completed 5 years and wanted to surrender their website did not have an option to surrender and they directed me to send an email instead. Upon issuance of email they took 2 more days to come back with a link for surrendering the policy. Once i clicked that they asked for kyc. All the while they had not even informed about kyc until when i wanted to cancel the policy. This took them 2 more days and eventually they paid me 4% less stating that the market linked scheme value was decided by market. Also to highlight when i clicked surrender value they presented a value of 1.02 crore and ultimately without any transparency they directly credited only 97 lakhs. Upon several attempts to reach out to hdfc life their customer care wont take a complaint on this regard and simply kept putting me forward to a front end operator who had no authority. Hdfc life also never informed me while selling me the policy that they will take a good chunk of money from my premium as fund allocation charges yearly and only invest the balance in the market. Do not ever invest in hdfc life. It is a big fraud and you will get better returns just by keeping an fd with nationalized bank. The customer service and complain redressal system of hdfc is abysmal.

I'm currently not using this account right now but they have claimed a maintenance charges for unused account in HDFC