HDFC Bank Complaints & Reviews

I had purchased a rs 6000 gift card (Its cash card) numbered s[protected] from hdfc bank last year in august 2017 with a validity of 1 year. The expiry date mentioned on the card was 08/2018 with no specific date mentioned on it nor it had been there on the terms&conditions doc received with the card. I utilised rs 5436 on my shopping till 31st july 2018 with balance of rs 564 still left which i thought i would finish by august 2018 assuming the expiry date as 08/2018. But to my surprise when my card was swiped on 22nd august it declined showing insufficient funds. The shopkeeper made 4 more attempts with a little lower value (Less than rs 500) but every time it declined. I feel very embrassed. Finally i checked the card status online where the status of card was showing active but with no balance. On raising the complaint with the bank, they said that card already expired on 11/08/2018 and closed the issue. Then i have sought from them to clarify on the following questions:-

1. If the card has got expired, why on the website it is still showing the status as active?
2. Why the card does not show a particular date of expiry. Is it has been left intentionally?
3. If my card shows that the card is valid through aug/2018, then it means the card is valid till the end of august-2108 (As verified by the website). How can you put a particular date here by yourself without the knowledge of the customer.
4. Why the date of expiry has never been communicated to me through mail or sms. How have you come at this date in the first place

Obviously the bank does not have any answer as their system is countermanding the explanation given by them and hence no reply was given from their side. On repeated follow up, i am getting the automated reply from the machine telling that the issue has been marked resolved. Its really surprising that big names like hdfc offering such pathetic customer service and indulging in looting the customer’s money. Please note that more than the money it is the unethical practices being adopted by the banks which has forced me to post here.

Kafi bar mere phone or complaint k baad bhi mujhe aaj tk mera bond nhi mila, jiske karn meri policy laps ho gyi, mujhe ye policy chandigarh me fraud kr k bechi gyi thi..
Mere bar bar call krne k baad bhi apki employee jo ek girl thi contact nhi kiya, jo ladka mere se himachal aaker docs leke gya wo bhi contact nhi kiya.
Mujhe meri is policy ka bond chahe or jo ki me ab rajasthan me hu last 5 years se.
Mere latest address per mujhe bond chahe or mujhe ye freelook krwana h.

Apse last and final yehi kehna hai ki mujhe mera paisa wapis dilao jiske liye me pichle 5 saal se 50000/- k liye chakar kat rha hu.
Bhut mehant se hum paisa kmate h or apke employee hume jhoot bol kr fraud se kuch or sale ker jate h.

Sir
I availed a personal loan (Loan no:[protected] from hdfc, trivandrum branch during 2013. Thereafter i got transferred to chennai and working since 2017. Due to my retirement (31/05/2018) i want to make it as a pre closure. I contacted mr. Ganesh, trivandrum, hdfc bank (Mob: [protected]) who had coordinated the pre closure issue. He informed me that pre closure has been taken into consideration of the balance is at the close of may 2018. Accordingly i had been asked to send a cheque for rs 65, 250/-. Accordingly i had forwarded the cheque for rs 65, 250 /- to trivandrum on[protected] through professional courier for the closure and the same also got cleared.
In the meantime i received a message in the month of may 2018 through my mobile that the regular ecs amount emi for june 2018 for rs 9, 621/- to be honoured.
When i informed the message mr ganesh and mr ashok rasheet (Mobile [protected], manager hdfc) to stop the ecs recovery for june 2018. They informed me since the clearance has been considered with reference to the balance of may 2018 whatever the recovery made after may 2018 will be refunded as soon as possible. As per the message ecs recovery of rs 9, 621/- was deducted on[protected]. It showed that they have not taken any steps to stop the recovery. When i informed the excess recovery of rs.9621 made in june 18 to mr ganesh and mr rasheed they had told that the matter has been referred to mumbai for refund. When i asked the reference number to them, they have told that it is an internal matter and the hdfc reference number could not be shared.
My premature loan amount rs.65, 250 was processed with respect to the outstanding balance of may 2018. Therefore the ecs recovery rs.9, 621 made is june 2018 is an excess recovery. I was constantly approaching those two people. But nothing has been materialised.
Therefore i request that the excess of rs. 9, 621 /- to be refunded as soon as possible.
I am surprised to see that refund of a closed loan amount is kept unanswered from an esteemed bank like m/s hdfc. I hope my grievance will be addressed through this mail and necessary action will be taken on the concerned employees so that no other customer suffers in mental stress like me.
If necessary refund is not being taken i will forward this issue to m/s rbi greivance cell to trace all my telephone conversations with these two employees and prove that they have mislead in this preclosure loan matter to a senior citizen like me.

Regards
Malaichamy a
Mobile no: [protected]
Email. [protected]@hotmail.com

I have a hdfc credit card with me. My relationship with hdfc has been a very successful one, which is about 10 years long.
However hdfc has in the past few months cancelled my reward points about 8000 points without any prior notice.
I with this mail like to divert their kind attention towards this as its the first instance in the past 10 years that has hurt me.
I think hdfc should revert my reward points back to me as that is one of the main reasons i only use hdfc credit card.
I wrote a mail about this earlier but i did not receive a reply.

My mobile number is [protected].

Respected all,

My self suresh parit and my new policy no.20367421 issued date.[protected].

One day, i received a call no.[protected] he offer me for cash personal loan against a life policy. He said if you take policy rs.20000/- annually then
I give you 200000 cash loan, or rs.30000/- then rs.300000/- loan against this policy. This policy taken online by me through his guidance.

Sir, mujhe paise ki urgent requirement thi. Usne jaise jaise kaha, mai waise hi karta gaya, sabhi bank walo se usne jhuth bolwa kar mere se policy
Kara di. Maine apne hdfc credit card se payment ki hai, jo abhi bhi minimum payment kar raha hu.

Sir, jab se abhi tak usne (Above mobile no. Ne) mere se sirf jhuthe baate ki hai. Itna time nikalne ke baad ab bolta hai policy cancel nhi hogi, or loan bhi nhi hoga.

Name & addres mention on policy — harigopal properties pvt. Ltd. 301, amba tower, d. C. Chowk, sector-9, rohini, delhi, code 00705238.
License no. Ca0446, contact no.[protected].

Ak din is no.[protected] (Rajeev name) se call aya, usne bola ki aapke saath cheatting hui hai, aapko iss policy ka pura benefit nhi milega, aap tpa kara lo and apko or rs.30000/- ki payment karni hogi, or 3 saal baad apko 3 lakh rupees maturity amount mil jayega to maine mana kar diya.

Recetly maine is agent ke no. Pe [protected] baat ki to usne bola ki we are not provide any kind of laon except life policy.

Sir, mai puri tarah hopeless ho chuka hu, mai ak garib (Poor) person hu, meri financial condition bahut kharab hai, mai already bahut loan me daba hua hu. Ye policy amount mere liye kaafi hai, mai garib aadmi hu next pay nhi kar sakta.
Mujhe iss policy ka maturity amount bhi kaafi galat /kam payment lag raha hai.

Sir, mujhe aap logo se humble request hai ki iss policy ko cancel karke refund mere credit card no.[protected] me kar diya jaye. Mujhe iss card me
Finance charge bhi laga raha hai. Sir please please do something. Everything possible if we try.

Thanks & regards
Aapka,
Suresh parit
Uttam nagar, new delhi
Mob.[protected]

Hi

This is rejo. I lost my debit card so i applied a new card, after deliver the card to branch i was unable to collect it from branch so that card return back.

Today i called to phone banking and from there ms. Rajashree spoke with me and i explain all the issue. And she simply answering she cant process it because your office location is different

Note : my office location is in velachey (Chennai) and same branch in valluvarkottm (Chennai)

I i form her to dispatch the debit card in velachery office which is update in my bank address but she said she cant dispatch like that.

Kindly check the issue and resolve it asap

To,
The reserve bank of india,
Mumbai;

Subject: mental harassment complaint against hdfc bank ltd.

Dear sir/madam,

The case regarding mental harassment complaint against hdfc bank ltd. I have only one credit from hdfc bank where unable to give my payment due to emergency reason i went to my native place... And also i am suffering from health issues. Currently i am not earning any money.

I had not made payment for the credit card but when they (Hdfc bank) contacted me i have conveyed them the msg that once i will arrange the money i'll completely pay all ur dues. Otherwise you can do the settlement with emi basis.

After conveying also... They have used foul languages and used to harrase us like anything. I have high blood pressure problem and i have collapsed twice due to this people.

They mentally tortured us, used foul languages and threatened us also...
Because of this condition my whole family is in shock state and we also got humiliated in our society because of this.

I just want to ask, this is procesure to behave with your customer...

Kindly help...

Thanks & regards,
Pramod kumar sahoo

Sir i have an bharat credit card. This credit card is not working on online transaction. So i m irritate from this card. Branch bankers is says to me pls contact to costomer care. I cant help yo u. Branch bankers behavior is not good. Branch code is 0992 gwalior. I give him to a upgrade form of credit card before 2 month. But no responce to me against upgrade my credit card. So i m complaint to hdfc bank in consumer court.

Regard
Abhilash rajput

[protected]

Your executive named malini ([protected]) called me for credit card application and asked my details and i provided. She sent person named kamlesh ([protected]) to collect all required documents and i also provided that, then one person also came to my home for verification had a coffee and told that ur card will come within a week. But 2 days ago i got this mail and i don't think so its correct. Why do u guys wasted my precious time.

Thank you for your interest in hdfc bank international credit card.
We wish to inform you that your application has been considered in line with the bank's internal credit policy (Which is based on a combination of financial and related criteria and/or statistically determined scores to assess credit eligibility) and operating/credit processes (Which include a combination of verifications, credit bureau reports and document verifications). We regret to inform you that we are unable to approve your application as it does not meet the above mentioned internal criteria of the bank.

Please be assured that our inability to approve the credit card application does not reflect in anyway on your credit standing or your financial stability.

Hi my self sangeeta bhandari. I have own hdfc credit card which is over limit now i was not able to paymnet on time due to family issue.
Now i want clear my all dues i was require one week but hdfc recovery department not agrre and sending person my home harrsing my mother and sister. I alrdy told i will give all money with in week but they are not agree.

Please help in this situation

Hello hdfc bank,

I am sandipta and this complaint is regarding the annual debit card fee on my account. I charged for 885rs and i am not happy with this charge. I am not sure why hdfc is charging this huge amount for using debit card. I have tried couple of time to contact customer care but the call never connected.

I am using platinum master card. Please look into the matter.

Thanks mate for the information. Even i have been getting similar calls to take policy by paying 50000 initially to open policy on my name and i will get loan in next 7 days. I can even cancel policy if don't satisfy with condition and amount will be returned.

Of course, i did not convinces as it is legal source and said i will move forward once get confirmation from any hdfc branch manager (Once enquired).

He introduced himself as rahul sharma (+[protected].

I would request hdfc to send alerts all customers and other to be cautious.

I am writing this complaint in great vein and depression regarding the annoyance by your HDFC Credit Card Collection Staff claiming his name differently as Santhosh, Sandeep and another Staff namely Vijaya claiming from, o/o.HDFC Bank, D.No. 5/9/22, Sarovar Complex, Maxcure, Hyderabad-500063.

Mr. Santhosh/Mr. Sandeep, Collective Staff called from these phone numbers, [protected] and [protected] (in true caller it shows – Toruture Hdfc) on[protected], he started follow-up for payment, I told him I am out of station, I will be back tomorrow i.e. on[protected] and I will pay, soon turned to arguments and started abusing me an. (I have his voice recording)

He in a louder voice threatening to pay now itself on the spot i.e., today[protected] otherwise I call your office and he tried all possible mal practices and started making random calls to my work place damaging my reputation and defaming me which is clearly against the code of conduct and the RBI guidelines.

This has been going since May 2018, the HDFC Collection Staff have been threatening and harassing to make payments, even though, I am traumatised with this incidents every month, made payments to the tune of Rs.22, 642/- to HDFC Credit Cart authorities till date as follows :

1) [protected] – Rs. 3, 850
2) [protected] – Rs. 3, 140
3) [protected] – Rs. 5, 300
4) [protected] – Rs. 5, 152
5) [protected] – Rs. 5, 200
[protected]
Rs.22, 642
[protected]
I am shattered and very distressed by this un-professional behaviour of the Collection Staff of HDFC, now I am concerned of my wellbeing & security which forced me to escalate this complaint to this level

I request you to kindly help in this utmost difficult situation as this is not tremendously bothering me and my family.

I am having a saving a/c with hdfc bank silchar branch vide no [protected] against which i have been given a loan of 75k for which everymonth emi was 1783 was debited in auto mode but suddenly my a/c was loaded with non maintence charge and the amount which was deposited for emi has been debited as non maintainece and hence loan got overdue, but my a/c was zero balance and it has been autometically converted to normal sb a/c without any intimation which was fully unethical. I raised a complain for this also but they hv not taken any meatures. Hence i was bound to shift my si to different a/c and given request for that paying 500rs extra charge. Also i have paied 2emis on their corporate a/c on 4th aug but even after that hdfc bank has presented my cheques 2times within the very same month and as a result bounced. My complain is that after depositing the amount why they hv presented cheque to my a/c twice within same month? As a result 1180rs has been charged as cheque bounce charge also my civil score has been detoriated at a huge... As swap rqst already given so they should have wait to activate the same itherwise why i paid 500 to process the same. Requesting the appropriate authority to take the necessary action and i need my 1180rs compensated by hdfc and my civil score also has to be upgraded.. As due to their act i have to suffer.
I was a regular customer of hdfc but after being so harused by them i am regrating myself to choose hdfc as my banker. Please take the call to the appropriate authority and reimburse my charges

Regards
Manali chakraborty
[protected]

Same happens with me, hdfc agent told me its life time free credit card then only i have applied for the credit card, i didn't asked for one assist mfee so how can you deduct rs, 1399/- without my consent from my card which is yet to be delivered, who gave you this right???

Better you refund refund my money rs.1399/- which has been deducted from my card on 24 aug 2018 immediately and cancel this subscription or plan from my card, i dont need it, this is completely fraudulent transaction.

Hi,

I have an hdfc credit card from past two years. Two weeks back, it abruptly stopped working i, e the payments are getting declined through the card. I have no idea why it is happening since there is no due to be cleared as i had paid all my previous bills. Very poor customer service as they have completely managing it boots and my problem is not listed any where in their systems.

Kindly look into this issue or else you will loose a potential customer.

Dear sir
I want to do settlement of my hdfc credit card payment credit card no [protected] because i don"t have job right now i have make phone call for credit card due settlement on customer care no[protected] but no body picking phone call. So i am unable to contact them for hdfc credit card settlement. Please provide me emi payment solution for final settlement of credit card to me as soon as possible.
At present i am help less.
Vikas kumar srivastava
[protected]

This is a fraud to sell an existing policy promising enhanced benefit over call as direct marketers from the company.
This was through a normal tele-caller on 28-29 april 2018 which detailed a policy which was promising and i moved from one senior to another finally reaching a person called rupesh choudhry ([protected]; only today i checked trucaller having a name shriman meena; my first mistake). He detailed the policy which was lucrative but i did not take the policy that day but i postponed it to the next day.
On 30th april, he called and confirmed the same details with the policy name classicassure plus. I checked the policy and enquired about the above online listed returns to which he explained that it was a promotion. He built the credibility by saying he was from the same state which was confirmed by his accent. As he was a real agent of hdfc life he could see my previous policies and generate a payment mechanisms through the authorized website. I got into the trap first because that online offers are so common these days and i was greedy (I accept this as my biggest mistake).
He promised multiple documentations through the next 2 months and four confirmation calls for the policy details. He had instructed that not to ask for all details from the first two as they were third party (Confirmed by the callers) and may not confirm all details to which i agreed (Another mistake; again driven by higher returns). The last 2 calls said they were from hdfclife and gave away all the benefits promised by the mr rupesh who i some how now trusted as everything was going as he had told.
He had promised two sets of document one the policy kit and second the bond paper. The policy kit came in more than one month on 19th july 2018 which did not contain any benefits to which he had earlier only confirmed that all details would be the bond paper as policy kit was only for reference (Another mistake).
The bond paper never came, mr rupesh only kept on asking for extensions for 15 days at a time and all the while he was very credible on the call. During this period the review period of 30 days for the policy had elapsed and i was left with a big loss of inr 30, 000
I had raised this as a complaint on [protected]@hdfclife.com today evening. They have confirmed that nothing can be done and were ready to help for a fraud. But it was late evening by then.
My question is can hdfclife not control these frauds which are using its policies through its system to cheat people or are they happy to sell policies through them as no sane person could buy a policy which give -7% returns
I would request hdfc life if it can refund my amount and take action against the agent name listed in my policy kit as below
Harigopal properties private limited, address: 301 amba tower dc chowk sector 9, rohini delhi code 00705238 license no: ca0446 contact details: [protected]
Although hdfc life does not show action on this as its website link for fraud agents (https://www.hdfclife.com/terminated-agents-list) goes to investor relation page

When i take loan your agent said your salary account in hdfc bank so we done your loan in stpl category in future your salary deposit late any reason no any charges by loan department and hdfc bank ill charges
But am facing rs 236, rs 283, 236and rs 381
And unnecessary rs 943 for advance interest debit by hdfc loan department
Agent misguided me
Loan account 4644658

My name is krutika. I'm a hdfc bank customer. Amb charges are debiting from my account without my notice.in the month of august 2 times amb charges are debited - on 07 aug 2018 on the same day two times rs 531.00 & 548.98 was deducted without any intimation. Requesting you to refund all this amount to my account. Kindly get it resolved as soon as possible.

Name : krutika sonone
Branch : besant nagar chennai