HDFC Bank Complaints & Reviews

Sir/madam
i am nikhil tiwari frm bhilwara rajasthan
i am puchage a secon hand car give lone to me HDFC
now i satteld my loan amount but i cant recive my NOC till now
reasion is i have a cradit card which is giving me by bank offer
i am frusted now and i complane to higer i am doing my cradit card payment in instalments but plese relesemy NOC AS SOON AS POSSIBLE
bank exeutive fraud to me and u re executive complame my work place
thats why i am not working in my town or any place

I had taken 2 wheeler loan from HDFC bank. Recently due to personal reason i had to close my existing bank account through which EMI was suppose to be deducted monthly.
I went to HDFC Bank loan department office in my city Aurangabad on 29th of January and told them my bank issue, they said it will take 1 month time to update new bank details on HDFC server untill then i will be charged late fee and bouncing charges. I asked them if i could pay manually before EmI date, they said its not possible.
Now a telecaller named Komal called and when i said her that i have given new bank details on which emi is suppose to be deducted, she said to make manual payment at the office. i said i cant make payment right now, you can deduct it from my new account so she started to talk harsh and as if i am a criminal or something. she even thretened to send recovery guys to my house for hard recovery.

I have salary account in HDFC Bank, when i joined the company the whole kit is given to me including credit card. When i denied to accept credit card, your executive Rahul said it is part of kit, its upto me if I use it or not.

I have'nt even open that envelope but now after 18 months of accepting that credit card, your bank deducted the amount of 5108.

When i called the customer care centre, they said they said they have blocked my card but i need to make payment.

Kindly refund me my amount.

I requested an insta loan from one of the HDFC phone banker and she processed the loan. The next thing I upfront asked abut the processing fee waiver which the rep didn't at all. I asked her to waive the fee for which she replied is there is no such fee which is reflecting in her system an asked me to call back if the fee amount is reflecting in the statement. After bill generation I did the same however the rep straight away denied to waive the processing fee. I was provided with incomplete message and also misguided.

Hi team,

Customer number: 60330770

Completely disappointed by hdfc customer service.
I was a happy hdfc customer from 2015 until now, i dont think i would recommend anyone to join hdfc after what i am facing.
I had salary account from 2015, however i left the organisation i was working with and moved overseas.
My account was changed from salary account to savings account which i wasnt notified. After that from april 2018 till now the money was deducted by hdfc without any notification. For some reason, when i logged in to hdfc account is when i realised that a huge sum is being deducted and i contacted customer care.
The customer care lady promised to reverse all charges and raised a complaint (Please listen to the recordings). After which i get a mail from the branch ms. Bhoomi sharma who is just reluctant to not hear what i am trying to say. I am highly disappointed by the way i am treated as a customer.
I have account with sbi & citi and the amount was deducted because of non maintenance, however they reversed all the charges as i deposited the money to my account. Same with my husband who has kotak account, his charges were reversed when he deposited amount. That is called customer service.
What hdfc is doing is harassment. You cant punish a customer, there should be a way around.

After having numerous email exchanged between bhoomi and me, ms bhoomi informs me that i need to deposit 20000 so the charges will be reversed. I transferred the amount immediately and to my notice the very next day below amount was deducted
321.51+700+4.02+708+708+17.70= 2459.23

Below is the charges deducted in 2018
21 april 2018- 17.70
18 july 2018 -17.70
07 aug 2018- 531
07 aug 2018- 531
05 sept 2018- 708
06 oct 2018- 708
22 oct 2018- 17.70
09 nov 2018- 708
04 jan 2019- 4.00
Total of 3243.1

So a total of 5702.23 has been debited by hdfc. I need my money back., it would be fair to deduct if i dont maintain going further. Request you to look into it and provide positive response

Hi team,
I have applied for the credit card but when the delivery boy came, i went to my home town. I asked delivery boy to come on 30 th january and after 30 th january but he did not come at that time. After that with in 2 days i got a mail that my credit card has been returned back to hdfc chennai office. I called customer care no but i was not able to connect with customer care person.

My query i want to take back my credit card.

Thanks
Ankur gupta
[protected]

Team,

I am unncessarily getting harassment calls from your collection agency (Phone. No. [protected]) asking to provide the number of another card holder johnson thangraj. Despite providing the numbers they are calling back to back on my personal and office number. This has definetely spoiled my reputation. They are calling me on the following numbers.

[protected] (Personal)

[protected] (Zycus board line)

[protected] (Zycus board line)

Need immediate action from youe end.

Regards,
Aldrich sebastian

Hdfc sending new debit card to old address even though i updated my current address in home branch. Customer care service is worst. They listen like they care but unable to solve. Even today one lady disconnected my call after elaborated discussion in the name of call transfer.
Even i lodged complaint in website also.
They too failed to solve. Kindly do the needful. My user id 50908228.

I took a hdfc life policy[protected] and because of very poor response of hdfc life customer care, i cancelled it within look in period.
I paid 2697 (3 month premium as per life policy) and now i got a mail that rs. 899 will be refund.
Why 899? Why only one month money? Why torturing me - it is so simple, i took a policy and i have rights to cancel it, and i cancelled it in look in period. Then why this - why such mail. Tried to talk to cc but they don't have any info.

Hello first of all i am unable to reach anyone on customer support for credit card and secondly i have been unable to redeem any credit card reward points. I want immediate resolution j have been using this card for almost a year now and still unable to redeem a single point.
You people want to sell your cards but when there is a query there is not a single number a customer can speak to someone in person on. Also i had put an application for upgrade more than a month back even that has been turned a deaf ear to.
Ill make sure i cancel my accounts and move to another bank if this keeps on happening

I have hdfc credit card. Due some reasons i can't paid bill. After that i paid bill and 3500rs pending is there. Right now available limit 25000rs there. Now i tried to use the card but the card is suspended. How can reactivate the card? Is it possible to reactivate the card? I called customer care the call not connecting. I need emergency to use the card. Please help me in this...

I am receiving messages on 21-12-18, auth#019094&auth#028831, on 24-12-18, auth#034519, of each ₹38, 500 is credited, but here twice only the amount of ₹38, 500 is credited but i m getting messages on all the 3 approval number, so please verify on all the 3 approved number and inform about the changes through mail or call or message.
Thanking you

Someone made a fraudulent online transaction using my hdfc credit card to buy turkish airlines ticket amounting to inr 2, 02, 803 on 18/11/2018. I got a call from customer care asking me to verify whether it was done by me. I clearly told them i didn’t do any such transaction. I received an sms alerting me about the transaction after the call. I was asked to submit a dispute form at the local branch which i did next day (Because transaction happened on sunday-bank closed). The card was closed, amount was credited back to my card and a new card was issued. I wrote a mail to turkish airlines too to alert them about the fraud. But there was no response from them. Now i have received a mail from bank saying merchant has provided details of transaction and i was responsible for transaction. This is really pathetic. I think their database security is very weak. I’m also getting fraud calls from indian mobile numbers saying i have an account with hdfc bank and there is a new app to be downloaded. I feel so frustrated and cheated. How do i take this forward?

Dear Sir,

I am customer of HDFC bank since more than 10 years .

Incident Period : 14th January to till date

On 14th January, HDFC personal dept. loan officer name told over mobile as Ms Nishi (Mail id: zahid.[protected]@gmail.com & Mobile No. [protected]) and her manager Mr Sanjay Dhangar (Mail id: [protected]@gmail.com & Mobile No. [protected]) has called and inquired me for any personal loan requirement. I told her that currently i have been one Loan with HDFC bank whose EMI is Rs 41771/- per month and almost paid for 19 months so I donot want any top up loan. As she communicated that rate of interest will be given @10.99% instead of 11.25% as its drop down and currently scheme is going on so she insisted me to take Loan as interest is less. So I had shown interest as I was in need of my Home repair work at my native. So I asked what is maximum fresh Loan is eligible for me?
For the same she asked me documents to be send as she cannot check eligibility details without documents. So I have mail her like salary slips, account statement, PAN etc (mail ref. 1) which I have sent her for necessary confirmation for Loan. I have many times told her and her manager that I don’t want current loan closure (i.e. BT) and if i am eligible for fresh loan amount then only process even if it is lesser amount say @5 Lakhs else i don't want loan. I have enough WhatsApp conversation between us as well as important call recording for the evidence.

Please find my mail references on communication – details attachement
1) 14th Jan 2019_Loan Documents sent to Ms Nishi madam on mail id mentioned above
2) 17th Jan 2019_Mail received from mail id sales.[protected]@gmail.com with subject matter :HDFC Bank Personal loan Scheme confirmation[protected] SATISH J PATIL 1, 580, 000.00 by Finwizz Financial Services Pvt Ltd
3) I have clearly denied not to process amount as the that was after closure of my current loan account where more interest part I paid in 19 months and not beneficial after closing loan. I am also not aware about how the BT applicable in same bank.
4) She keeps on calling and convincing me along with her Manager Mr. Sanjay, but I keep them denying as per mail dated 17th Jan 2019 from sales.[protected]@gmail.com interest rate is higher (11.25%) and not committed earlier and also the scheme mentioned is closure of my current Loan (Closing Loan was loss to me paying more % rate of interest for the 19 months which I paid to Bank)
5) On 25th January, madam has sent me on my WhatsApp number fresh Loan of 5L details with EMI options of 10869/Month rs and cash back offer and no any other charges will be deducted. I was get convinced with this details and asked her that this fresh loan with10.99% interest rate is Ok for me. So she called me and just reply “OK” to mail dated 17th January 2019 ( as attached details mail copy). This call is record is available with me as evidence where I have asking for only fresh loan of 5L and donot process for closure . I also insisted to send me fresh mail with 5L sanctioned amount but she told that they have processing with 5L amount only and need to only reply as “OK” to mail. This total communication recording is available with me as a evidence .
6) I have replied “Ok” to mail as per call conversion between me and Ms Nishi
7) But they have processed my application with LOAN Account No. 64525722 and disbursed Loan Amt of rs 1580000 Tenor 60 months and actual amount deposited in my bank was Rs. 541135/- as SMS received from my SBI account where the Loan amount was deposited
8) I was surprised with this processing amount and feel Ms Nishi alonwith their Manager cheated me by closing on previous Loan of HDFC bank, sanctioning Bank Transfer Loan in same HDFC bank and deducted somany amounts which are never been discussed with me nor HDFC bank has taken consent from me.
9) I have started calling Ms Nishi and her Manager but they were not picking up my phone calls. I was little become annoyed and conveyed that I will visit bank and compliant or will report to consumer complaint forum. Then they started little picking up my phone but not giving details of Loan and advoc deduction which I never aggred for .
10) Since neither HDFC bank has taken my consent nor sent any Loan approval mail or Letter, Neither confirmation call from HDFC bank and directly deposited Rs. 541135/- in bank which is illegal and not proper. I also replied on 1st Feb 2019 to Bank that they this is not acceptable to me and Bank should reverse the Loan. Mail evidence attached
11) Since there were no actions and no positive response after repeatedly reminding to Ms Nishi and Mr Sanjay for reversal or cancellation of Loan. But no response from their side. They were trying to hide their identity by handing over their calls to somebody else and keep playing with my emotions
12) So I visited to Bund Garden Road HDFC Bank on 16th Feb 2019 and trying to meet them but they were hided their location during call and not liked to come to discuss the matter or give me details of deduction and total accounting for how only rs 5, 41135/- is deposited. I have requested on mobile call to Ms Nishi Madam and Mr Sanjay after reaching HDFC, Bundgarden Branch but they were avoided me meeting there and not sharing any information
13) Thereafter I reached customer service dept. and explained the cheating happened with me. Customer service representative has helped me by giving location of Mr Chandan Kumar of HDFC Bank who seats on 2nd Floor .
14) I explained whole incidence to him (16th Feb 2019) and he also aggred that no communication from HDFC bank for details of deduction has been sent to me and loan directly processed . But he keeps on convincing me by balancing the account statement deduction of Loan Account No. 64525722 on his computer but not willing to share details of Ms Nishi and Mr Sanjay.
I was helpless when even Mr Chandan Kumar not listen my compliant and not taking action against the cheating and fraud loan processing happened with me

15) I desire that HDFC bank should listen my complaint and the lapse or Fraud Loan processing happened before disbursement of Loan amount in bank. I have lost major interest amount due to closure of my previous loan and given higher rate Loan with of deduction from my loan amount without my consent as well as not committed as per details provided by Ms Nishi and Mr Sanjay.
• Note : I have the important evidences like Mails, Whatsapp communication and Mobile call recordings to justify my stand of cheating from HDFC Loan bankers.

Kindly request to take my complaint for best resolution possible for give justice for refunding my monetory loss happened due to fraud loan processing . HDFC Bank should take consent from consumer before processind Loan amount disbursement and strck action against the Loan Processing offciers.

Thanks and regards
Satish Patil

I am Priya, I had taken an Auto loan from HDFC Bank in the month of June 2018. Since then I have been paying the monthly EMIs on time, since from last three years I maintained a handsome amount in my salary account. But, because I lost my job suddenly due to a tragic incident at my place, I was unable to pay the EMI for last two months which is January and February. I had informed the bank that due to this sudden state, I am unable to make the EMIs for now but will be paying them back by the end of this month.

However, even after constantly being in touch with HDFC people, their recovery agents started calling me almost everyday and embarrassing me with their harsh words for not being able to pay back the last two EMIs. Earlier also, I had registered a complaint (ID 2222486) but unfortunately no action has been taken against it by HDFC.

But today, what happened was really harsh on my social image. An executive called somebody that I used to know 6 years back in college. We are not even friends but today that person called me and told me the whole story that an HDFC Executive called him in the morning around 12 and asked if he knew me. I was in his vague memory so he accepted he knew me back then but now we are not in touch. So the executive told him that I have an auto loan running on my account for which I have not paid two EMIs. So, that guy asked him what do I do in this case then? To which, that executive told him that Priya has mentioned your name as one of the guarantors in the loan and If Priya doesn't pay the EMIs, his CIBIL will get spoiled and also a legal action will be taken against you.

Out of concern, that guy found out my number through some connection and informed of this whole scenario and how he got a call from [protected].

My question here is- Isn't this kind of a social harassment, HDFC Bank is giving me in the name of those two EMIs? Even after informing them of my current state and taking their calls timely, they are still degrading my image in public? Is this very derogatory? The moment I received a call from that guy, I was in a state of shock. How did the HDFC executive got that guy's number who I have never talked in these last six years? Does HDFC bank hold the right to leak my personal account details without my permission and intimation to anyone? Or are they trapping and hacking my phone and personal data to get contacts from it and harass me in public? Was I not given this loan after checking and assuring my repaying capacity? Also, is HDFC Bank allowed to lie like this????

This kind of harassment is completely intolerable and illegal. For HDFC bank's reference, I quote a few points from RBI guidelines below:

(iii) Fair Practices in debt collection

(a) In the matter of recovery of dues, banks / NBFCs may ensure that they, as also their agents, adhere to the extant instructions on Fair Practice Code for lenders (circular DBOD. Leg. No. BC. 104 /09.07.007 / 2002–03 dated May 5, 2003) as also IBA’s Code for Collection of dues and repossession of security. In case banks / NBFCs have their own code for collection of dues it should, at the minimum, incorporate all the terms of IBA's Code.

(b) In particular, in regard to appointment of third party agencies for debt collection, it is essential that such agents refrain from action that could damage the integrity and reputation of the bank / NBFC and that they observe strict customer confidentiality. All letters issued by recovery agents must contain the name and address of a responsible senior officer of the card issuing bank whom the customer can contact at his location.

(c) Banks / NBFCs / their agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude the privacy of the credit card holders’ family members, referees and friends, making threatening and anonymous calls or making false and misleading representations

I want an answer in regards to the mental and social trauma that I had to go through by these HDFC Bank recovery agents.

Please HELP!

I have purchased ornaments from tanishq goyal sons javeri pvt. Ltd., hisar of rs. 100000/- on dates january 7, 2018. At that time there is scheme of 5% cash back by purchase through hdfc dabit card. But till so far i have not received my cash back in my account even though repeatedly visits to my branch. Alka tehlan acc. No. [protected] railway road hisar branch

Sir, i am hari babu from nellore. i took personal loan from hdfc. Due to insufficient funds, my emi payment due on 6th feb by morning, the cheque was bounced . but that itself ie 6th february by evening i have maintaine dsufficient funds. any way when the cheque was presented for the second time, the loan amount was deducted . i have received a message stating that i have to pay Rs.649/- as fine due to late payment. i wanted to pay the same.can you help me to pay the payment.my contact number is [protected]
loan account number : 60570081

Hdfc has levied false credit card charges of rs 22, 000 when i never used the credit card. I went to the home branch to sort out this issue. No help. They sent me to credit card division. At the credit card division they said they could not help and asked me to write an email to grievance redressal. Grievance redressal said that it was for smartpay activation charges for an unknown person's phone number. When i demanded a copy of the application for the activation and questioned the validity of their claim, they sent me a legal notice for rs. 22, 000 which demands payment within 7 days. They refuse to address the issue personally. They only send some vague template emails. This bank has terrible customer service. There is no person to person interaction. They will not accept that there is a mistake on their part.

Iam the ex employee of hdfc life e code..146898 i had sent
Joint declaration form twice to epf department of hdfc life to forward bandra epf office, so far epf bandra office not received attested joint declaration form from hdfc life, no one from epf department is responding towards this query either, so kindly do the needful to know the status of the same...
Mob...[protected]...

Dear Sir,

I have recently gone through my CIBIL score and iam surprised to see that my score is appearing as 1. though i have personal loan from HDFC since March 2018 and I also have credit card from December 2018.

My CUS ID 70862843

My Personal loan is also not mapping on my netbanking, i really dont understand why this is happening.

I urge HDFC bank to please update my CIBIL score and let my loan details be displayed in my net banking.
since i have no late payments in past 1 year how come my cibil can be 1.

Your immediate action is required.

Best Regards,

Syed Saad Makki