HDFC Bank Complaints & Reviews

Hello Hdfc,
You people deducted 639rs from my account for AMB INCL GST without any intimation, Amount got deducted from current balance and got the message that amount deducted 450rs due to no maintainance of balance and still my account balance now in negative. I want my Amount back and want to know why still my account is in negative. All the images attached with this email.

This is in refrence to the Iphone8 purchased as on14.02.2018 with a cashback offer of 10000/- rupees has not been recieved until the date which was supposed to be credited within 90 days of purchase. Requesting you to go through my concern asap.

Attached is the copy of purchase of the product with the bank name mentioned & also mentioning all the required details here.

D.O.P -14.02.2018
TID: 40975307
Txn Id - [protected]
Apr Code- 053561

Dear sir/madam,

My loan account no is 52449756.

I had bought a new bolero in november 2017 financed by hdfc bank with the emi debited each month via ecs. I slowly realised that it was not an ideal vehicle for transporting elders in my family due to its height. Therefore, i decided to sell it off so i can look around for another car suitable for my family's needs.

As i was selling the vehicle, i approached the gn chetty road, tn nagar, chennai branch for foreclosure & they put a foreclosing charge of rs 48961 (7.08%) on an outstanding of rs 691534. This is an unbelievable amount by any standards.

I had requested the branch manager for a waiver due to me being a loyal customer and having the following relationships with the bank:

1. Previous car loan also with hdfc
2. The next buyer of the current car is also financed by hdfc
3. Have a home loan with hdfc
4. Have a credit card with hdfc

I requested the branch manager of the bank, who said he did not have any powers. I was requested to contact the sales manager of the buyer's branch, which i did and they said they would take steps on the waiver and the difference in the closure amount would get credited into my bank.

I had a discussion with the call centre who has asked me to write an email requesting the same.

I can confidently tell you that when the loan agreement was signed, the practice is that the executives who do the documentation only take signatures on the loan agreement without actually telling the customers the terms and conditions of the loan including any charges. I have evidence to prove that as for my home loan, i have a photocopied version of the agreement i signed which is devoid of any written information.

Apparently, the practice is that they get signatures and then fill up the information afterwards and hand to the bank.

This is either a dangerous trend emerging as the underwritten information is never explained to the customer leading to nasty surprises like this at the end of the relationship.

I quite frankly find it outrageous that a bank of this reputation stoops to such low levels squeezing the blood of exiting customers for genuine reasons.

I am having to write this mail because i have put in requests at appropriate places as written above.

I hope this complaint can be taken seriously and remedial measures done for appropriate and fair refund before it gets escalated.

Please do not write back to me saying the loan agreement has the charges mentioned because i can prove with evidence that the customer is asked to blindly sign the documents by your bank executives or dsa executives as may be the case.

If the bank runs an audit of how customer acquisition is done on the ground, they will realise the loophole in the system that i am mentioning.

If they explain these charges, do you think any sane person will accept this and blindly sign and not shop around other financial institutions to get the best deal.

I have been advised that as per rbi regulation there should be no penalty on foreclosure floating rate loans (Car and home loans) and have been advised to file an rti against hdfc regarding foreclosure charges.

This is the third time i have been overcharged or unnecessarily or unfairly charged as below:

1. Homeloan - when the interest rates went down last year, the bank did not communicate the information and invite customers to take advantage of the reduced rates. It was only a chance finding that led me to the bank and they reduced the interest rate after charging me rs 6000 for conversion. This is fleacing.

2. My previous carloan, i was charged rs 18000 as foreclosure charge for an outstanding of rs 4.2 lakhs.

3. My current carloan, i am charges rs. 48961 on an outstanding of rs.6.91 lakhs.

If one customer is charged like this, then how much is the bank making through unjust and unfair means in a populous country like india.

I request that this be remedied on priority basis, so i do not need to escalate this anywhere.

Regards,

Rakesh n

I am hdfc bank credit card holder. My credit card ending 1866 was charged ₹1399 towards one assist plan on 30/04/2018 without my consent. I do not want this plan so please cancel the plan with immediate effect. Please inform me further regarding when the amount will be reversed to my credit card.
Relationship number: 4266983
Plan name: enhanced wa power single plan
Validity:29/04/2019

Hdfc bank are the one who directed me to one assist but really this company is not taking any request and auto payment mode is activated in my credit card. When i asked for the hdfc bank help they are not responsible.

I din't expect this irresponsible behaviour from hdfc

I'm using hdfc credit card since last 3 year card number ending with 4*8. My account is activated with one assist mfee and charged amount 2999 rs with out my knowledge. I want to cancel the unauthorized plan against my card, and also credit my money in my credit card which you have deducted in my credit card account.

Also this is unfair that you cannot deduct the amount from the credit card without prior notice through call/message.
And hdfc bank also has to recheck this issue with the auto payment modes.

Your deducted rs708 from my account. How can u deduct the money with out any info and am never expect from you guys hdfc i always take hdfc as a good bank but now think i was wrong. I’m not understanding what is this amb chrg incl gst for dec2018-mir[protected]. If you people want to do such things let me inform once. I don’t know from how long you guys are detecting my money.

Please don't say any stupid reasons, send me my money immediately

I am an account holder in your bank with my saving account no.[protected]. I had applied the for loan in your esteemed bank for buying my activa: the loan no. Is 57417770 i had fulfilled all required documents as demanded by your bank staff mr sonu mishra designation b. R. O, i had given all the documents except rent deed agreement. Mr sonu mishra told me to buy that activa from urban phase 1 as it would be added in his target. So i went to urban phase to buy that activa inspite of going to that which was just 1 km far from my particular area. I told sonu mishra to prepare all the documents and i had given 10, 000 r. S cash to him anyhow i had to go outside of showroom for a while. When i came back my newly bought activa was outside of showroom. Not even a person was there excluding my wife. Sonu mishra had gone without giving any document (Bill, insurance etc). It was 6:30 pm only. I had given 10000 rs to sonu mishra hdfc bank employee in advance as per down payment.
When i called him, he told me that no documents could be given without submission of rent agreement. He did not told me the such thing before.
On the very next morning i went again to showroom to collect my bill an etc. Thecopy of insurance so company had given my bill and insurance. But sonu mishra is not giving any detail of our 10000rs. Insurance charges were only 1950/-... Rc charges were 4000/- and 1700/- were file charges (As per customer care information). However the bill of my activa is r. S 580, 25 and the loan amount is 58840, so kindly explain me about the difference between the loan amount and the billed amount of my activa.
What about due money???
I called many a times to sonu mishra to give me the detail of my 10000 rs. Either he used harsh words (Rough language) or not attend call. I go to showroom for getting the detail of my money. Even they do not give me any information and tell me to ask from sonu mishra...

I request you to consider my application either you take action otherwise i will take legal action against your bank along with your employee as it is clear matter of fraud.

In the first instance, i had called customer care and sent the email to hdfc as advised. Today, i have emailed and am putting this up here, so that people are aware of this fraud.

No action seems to have been taken by hdfc

— forwarded message —
From: [protected]@xxxxxxx.com
Date: thu, jun 7, 2018 at 11:39 am
Subject: re: fraud calls for premium renewal
To: [protected]@hdfclife.combr...

In the first instance, i had called customer care and sent the email to hdfc as advised. Today, i have emailed and am putting this up here, so that people are aware of this fraud. No action seems to have been taken by hdfc

— forwarded message —
From: [protected]@xxxxxxx.com
Date: thu, jun 7, 2018 at 11:39 am
Subject: re: fraud calls for premium renewal
To: [protected]@hdfclife.com

Hi,

I have again received a call today, 10.59am 7 june from mobile number [protected], claiming to be ajai sharma from hdfc life insurance. He has given my policy number as classic assure number 11403946. He verified my name, address and date of birth. He says i have only paid the first premium of 50, 000/- and that if i pay at least three premiums now, the lock in period will be paid for, and within 90 days i will be able to withdraw over 2.5 lacs from this policy.

He has asked me to contact mr. Viswajeet singh, area manager, hdfc who handles punjab, delhi and mumbai areas and sits in mumbai hdfc office.

I have no policy with hdfc, which i had already verified by calling hdfc directly and this is a fraud operation going on.

They have somehow got hold of a database of insurance customers that they are using to perpetuate this scam.

I am reporting this so that action can be taken.

Thanks,

Date: wed, may 9, 2018 at 7:22 pm
Subject: fraud calls for premium renewal
To: [protected]@hdfclife.com
Hello,

I have received a call, from someone claiming to be from hdfc insurance for renewal of a policy.

The number from which i received the call is +91 [protected] and call was received at 2.42 pm today may 9, 2018. The truecaller id displayed on my phone is "hdfc life ajai sharma"

I told him i will have to check because i do not remember which policy it is and kept talking to him to get more information. He verified my name, address, and date of birth, though it was only 95% correct. On my asking, gave me the policy number 11403946, and said it is classic assure. He said i had last paid the of about rs.50, 000/- in 2010 and that the policy had lapsed. On being asked why i had not been notified earlier, he said letters had been sent to me several times, but there was no answer.

I asked if i can renew online but he said it would not be possible since it has lapsed. I told him i have no such policy and how do i check, he said i can come to the gurgaon branch and check if i wanted to.

Truth is, i have never taken any policy from hdfc, and do not have any relationship with hdfc till date. I had received 2 such calls earlier, but i had told the caller that i do not have any policy with hdfc.

It really looks like some fraud is in progress i and am reporting it for investigation.

Thanks and regards,

Cust id;53569289
Name :venkata siva reddy p
Account number:[protected]
Thanks alot for your concern towards my personal loan and i think now it's time to quit hdfc bank
Where there is no support
Iam using hdfc since 6yrs this is the way u people had done no support for my mail there is a mail is we can't provide where you don't trust me you just block my account i have no problem there are so many banks
Iam siva reddy i had applied for personal loan and iam a head renal care working in sandor medicaids pvt ltd. For my company purposes ill be travelling here and there for seeing patients and business also
I already mailed about this and iam using hdfc this account since 6yrs you can kindly go through my transactions etc
After everything now iam decided to close the account in hdfc and i wont recommend anyone

It is very offended that after maintaining minimum limit of balance hdfc bank deduct money. I have my account which is saving account some of employee from bank has told me to maintain minimum of 10000 balance i did. But suddenly on 6th of june i got a message of debit 708 rs. I don't know why hdfc bank is cheating the customers. My humble request to manager and branch manager please resolve my issue because i don't have the time to complain again.
Thanks and regards
Ramesh chetry [protected]

I got a call from hyderabad landline number on 05/05/2018 telling that i was selected for hdfc lifetime credit card. A lady spoke to me and she told all the account details of my HDFC savings bank account .
I have asked her to tell my customer id and she told my customer id too.
I trusted her and she sent me a mail to confirm the application by entering the OTP.
I didnt get the otp on that day. but on 7/6/18 i got call from the same person and she told me to login to my internet banking and apply for hdfc credit card.
it was shown that the process cannot be done due to technical issue. then she told me to open the link sent to my mail and i opened the link and entered the OTP . and asked for confirmation.
i have confirmed and i got the reference number of HDFC349356.
But if i check the credit card application status by entering my mobile number it is showing as no application exist.
I cannot confirm it is genuine or fraud but please check it as the telecaller told all the details of my account .

Please note that i applied for hdfc credit card & got reference no. [protected]WE. I got all verification done at my residence. I got multiple calls at office too for verification. Today got checked in hdfc link showing track your card application.
Found the reason as follows application reference number ([protected]WE) status "DISAPPROVED".
We given all papers to executive & all verification also done positively. I called customer care & they are not giving any reason for rejection. HDFC bank should give us reason or else we also file complaint in RBI & bank ombadsman. We want reson for rejection as it will hit my cibil. But my cibil scroe 760 at this time then i was submitted all documents. I never had any credit card from any bank in the past. Please provide reson & what is next process. And where exactly my application got Disapproved. Hoping positive response.
Regards, Hrushikesh

Hi My Name Is Shuaizab Ayaz having loan number
56996753.
I bought Yamaha Fz250 cc on finance and I payed 80000 as down payment on 1 May 2018. I went there in show room and Financer from Hdfc told me to pay Amount 2653 for 36 months. And haven't told me about File charges, Pda and he also haven't told me about health insurance he already done for me without telling me. When I came to know about it he LIED to me . He hides everything from me and took money from me unessarily.
How can Hdfc financer hides things from the customer?
And even he wants me to pay 3 months of my emi in advance to showroom, when I already got a message from bank for 33 months and he wants me to pay for 36 months. Please help me in this case.

My number is :- [protected].

I have purchased iPhone X in January month that time Cash back offer was there on iPhone X so I have buy I phone X on debit card ' EMI ' and they told 12000 cash back will be credited in your account in 90 days but still I have not received any cash back ...what the problem going on ...

Plz contact me as soon as possible.
My contact no is [protected] / [protected]

I have purchased iPhone X in January month that time Cash back offer was there on iPhone X so I have buy I phone X on durable loans and they told 10000 cash back will be credited in your account in 90 days but still I have not received any cash back ...what the problem going on ...

Plz contact me as soon as possible.
My contact no is [protected] / [protected]

We the anand agricultural university, anand (Gujarat) collected our admission fees through hdfc bank. Your email officers i. E. Utkarsh. [protected]@hdfcbank.com is not sending data of students in time i. E. Previous days data. It should be reach us 12.00 hrs but they sent at 5.00 pm so that student cannot filled up their form without data from hdfc. Kindly send previous days data in time i. E. Next days till 12.00 hrs.
There is also problem arise to students in generating chalan through online payment. Many student complain that payment made but chalan not generated.

Respected Sir/Madam,

I made a payment in shriram insuarnce to renew my insurance policy. Money is deducted from my account but payment is failed.So within how many days money will be debited into my account???

Account no:[protected]
Customer id: 68983563
Contact number: [protected]/[protected]

Kindly give me a clear response

I am a customer of hdfc bank since last 8 years. Actually my salary is credited in to account
But i have never taken any insurance policy
Today i got a call from some lady stating that my policy has lapsed and i need to pay rs 40000 to renew it and once i pay i will get 1 lakh 20000 rupees. She says policy is taken in 2012 by ramgopal by paying 40000 through atm with code 07635. Again same amount paid in 2013. I t is a 7 year policy. I know everything is fraud and i told the same and disconnected the call. The call was made from[protected]. The lady is speaking fluent hindi seems to be her mother tongue. Just i am informing you to look into this matter so that no body should fall in to their trap.

Hi hdfc,
You have deducted rs708 from my account twice. How can u deduct the money with out any info and am never expect from you guys hdfc i always take hdfc as a good bank but now think i was wrong. I’m not understanding what is this amb chrg incl gst for april 2018 & may 2018 mir[protected]. If you people want to do such things let me inform once. I don’t know from how long you guys are detecting my money.

How can you deduct variable money for two months? Remove my account from hdfc

Please don't say any stupid reasons, send me my money immediately