HDFC Bank Complaints & Reviews

I had a HDFC credit card on 2005, the total limit of the card is Rs.10, 000/-, due to my regular payments they have incresed my limit to Rs.15, 000/-. They have not consulted with me to raise this limit, even i dont need that too. Later due to my financial circumstance i missed few months to pay my dues, but i paid the minimum dues. But the HDFC people who have volunterily increased my limit, now keep on making higher interest to my dues and my due amount goes higher like anything.

Suddenly one day they asked me for Rs.27, 000/- (my total card limit is only 15K and i paid mim dues too) which cant be payable by me. i denied to make the payment. There is no resource to protect the consumers like us. They have threaten me thro the collection people.

By 2008, i've spoken to HDFC bank official Mr.Manjunathan ([protected]) at Perungudi Branch, Chennai. He asked me to pay minimum cader amount Rs.10, 000/- to resolve this issue. And the next day itself i've have given the cheque for the same. Later when i've tried to apply for the personal loan it got rejected and i was informed that the loan was cancelled since i am in Defaulter list and it shows the bad debt of Rs.5000/-.

Even i had personal loan at HDFC bank some time before and i am regularly making the payments till now without a month delay. How can they say that i am a defaulter???

As a victim, my questions are

1) Howcome these bank people increse the limit without consulting the consumers?

2) How can they threaten people thro the collection executives? (before selling the behaviour is totally diffrent)

3) Why come the HDFC officals have given wrong communication to me? ( since i am willing to pay the balance amount of Rs.5000 also)

4) I cant able to apply any kind of loans, since i was trapped by the banking genius. It was happen purely because of the HDFC bank people, why should i affect in this?

5) I am willing to pay the bad debt of Rs.5000/, Weather HDFC can remove my name from CIBIL?

Please get me the justice

Regards

Dhamodharan

Regards

Dhamodharan

i withdrew Rs.1000/- from HDFC ATM from satara powai naka branch on Saturday 25th april 2009.
the serial number is 3914.transaction time was 16:22.the demonitions received was one note of RS.500/-and remaining five notes of Rs. 100/- each.but the 500 rupees note was the fake one.
i came to know when i went to a medical shop and tried to make a purchase.
what should be done in this case?
please help.

This is a major concern, this Bank people are calling me very often with a number which is[protected], but no one talks on ohone and if i disconnect the line they keep on calling for more than 50 times in an hour. Today someone had visited my home in afternoon and made my mother in law speak to Aparna on #[protected] who had abused my mother in law resulting her in unconscious stage. When i called on that # someone else had again spoke to me very rudely. I was making my payments which is minimum amount due on time. But my amount was getting increased day by day. I informed bank guys about the same but they said they don't know. then i informed them to find out and let me know about the same but they didn't reverted back to me. So i stopped the payments and they started harassing me and now my Family. Please reply to this e mail else i will commit suicide. I will wait for the response till Wednesday. Else Bank People will be responsible for my Suicide..

Though i have settled my payment with hdfc bank on credit card it is still showing as written off which is wrong and this has been effecting my credit status and have not been able to get any help from any other banks Barclays and IDBI and HSBC rejected my personal loan application please help me

thnks
karuna

Iam an existing HDFC customer. I have a savings bank account at Ajmer Branch of HDFC.

2. Iam a defence officer. I was offered an HDFC bank credit card by one of the staff at Ajmer branch in Oct 06 while I was at leave in my home town. I had shown very little interest initially because iam usually posted at places that do not make use of credit cards viable. However after a lot of persuasion which I would actually call pestering I agreed for the same and as usual I just had to sign some forms and very meticulously a GOLD credit card was delivered at my address a few days later having no as mentioned above.

3. However as I had mentioned I was in no place to use the card at that time. I got transferred to Bangalore in Jul 07 and I gave a written requisition at the Ajmer Branch for change of correspondence address of my credit cards statements as well as savings bank account statement as I thought o[censored]sing the card at Bangalore. Ironically the statements of my savings bank account have been reaching me regularly at the present address as mentioned on top, but no credit cards statements were coming through…After a couple of months I again gave a request at Yelahanka Branch for change of address to present address. The requests till date have yielded fruitless results. After contacting the customer care I got the response of contacting the branch.

4. The first time the card was used was after Jul 07 at Bangalore and was used to purchase clothing items twice or thrice the total purchase amt not exceeding more than 3500 Rs. However since I was not receiving the credit cards statements I decided to transfer money through my net banking account which I have done regularly as will be evident from your records. The statements were received irregularly at my Ajmer address initially but then that also reduced. I was out of the country for two months in Jun – Jul 08. I got a call from my parents at Ajmer of some lawyer calling up on behalf of HDFC bank and threatening legal action against me for not paying some Rs 2900 ! Also this is very surprising for me. My parents received one statement at that time which said that the card had been blocked and that the matter was referred to RBI(for what iam not aware!!). I spoke to customer care of HDFC bank and I believe they are all matriculates employed by your bank who have no knowledge of whatsoever about public grievances. After three times of speaking to them and giving them my phone number and their assurance that someone from your bank would get in touch with me nothing happened. I then spoke to Ms Maitri Sharma who was then the credit cards escalation officer at Jaipur and explained her the matter as the customer care was proving to be of no good. She was very apologetic and promised me that the charges would be reversed for the late fees because I was not at fault for not receiving the statements by posts or by e –mail(the ID was provided at the time of filling the form). But that was the end of it.

5. It has been over 6 months that I got in touch with her but she did not respond. When I asked the Jaipur office I was told that she has left and she has been replaced by someone else who was not available nor was his contact number. Speaking to the customer care again did not yield any results as no one gets back to the customer from your bank within 48 hrs.

6. This kind of irresponsible attitude of customer care and their superiors in credit cards division branch has left me feeling mentally harassed because I wouldn’t have run away with 3000 Rs worth shopping on the credit card even when I was making an effort to pay all my dues on time. As a responsible and law abiding citizen this is my endeavor from the first time I paid through online. The threatening call of HDFC employed lawyers I believe is strictly prohibited by law . repeted telephonic conversations with Mr Mayur of HDFC bank escalation officer/ debt management officer at jaipur has yielded no result neither are the officials at grievance cell at chennai being very helpful. and they are continuously incresing my amount payble from Rs 410 to Rs 5200 since sept 2008 till date and this is despite that my card acct has been blocked. what am i supposed to do. iam planning to take legal action for mental and financial harrassment against the bank.

hi..

i had taken a two wheeler loan last year that is on 10th of april 2008 with icici bank! all was well till 06 march 2009, when suddenly icici bank executive calls me and tells me my bank cheque got bounced, where in my bank acc show that i have enough balance to clear the cheque.
I enquired my bank i.e. SBI, the officals say that there is no cheque that has come from icici on that day or the nearest day! then i visited the icici branch, they told me that the cheque could not be cleared cause of insufficient balance. i asked them my bounce memo, or can i pay the amt they told me that they will send memo through courier. and now i have to pay a cheque bounce charges of rs 275.00 for which i was totally annoyed
Till date i havent got ny courier but get calls from their executives every single day, i am really disturbed cause till today i havent ever bounced a single cheque of ny bank..
please guide me what to do? and one more thing to add the april cheque got cleared also.. so the only pending cheque is of march

Respected Sir,
I Jasbir Singh director of M/s. Ludhiana golden logistics Pvt. Ltd, has issued the crossed payees account cheque no.11380 dated 16-09-08 of ICICI Bank Ltd jamalpur branch ludhiana in favour of HDFC BANK LTD of rupees Five lakhs, for making three times limit from the HDFC BANK LTD. On 23-09-08 I was surprised when bank’s Area business manager Punjab Mr. Amarjit Singh bagga informed me from his mobile no. [protected] that, my money has been withdrawn from the HDFC BANK by other person on 22-09-08, and bank is not liable for any type of limit and even for my five lakhs. He also told me that same person who had withdrawn my money had committed fraud on 19-09-08 with HDFC BANK and with M/s. Forex fasteners pvt. Ltd in same style and same amount. And sir we are surprised and shocked by Mr. Amarjit Singh’s statement that HDFC BANK is already aware of the fraud towards bank on and before 19-09-08 and is already blacklisted by HDFC BANK LTD on and before 19-09-08
And HDFC BANK LTD is telling us that your money had been withdrawn on 22-09-08.
Sir we are in financial crises and our business has been disturbed and our circle of cash liquidity has been stopped. We are in huge financial crises. Please take appropriate action against HDFC BANK LTD who is directly involved in this fraud and make our money released from the bank. We will be thankful to you.



Yours faithfully,
M/s.Ludhiana Golden Logistics Pvt. Ltd.
Mobile: [protected].
Mobile: [protected].

Dear Sir
Maine HDFC Bank Mai Car Loan Ke Liye Apply Kiya Tha, Bank Se Pata Chala Ki Mera Naam CIBIL Ki defolter list mai hai, Aap HDFC bank Ke Credit Card Ke Defolter Hai & Aap par Kisi Bank Ka 29000 Rs Bussiness loan Bakaya Hai, ye Informetion Bilkul Galat Hai Aur Mai Challange Karta Hoo Ki CIBIL Ki Ye Report Bilkul Galat Hai Aur Mai Ise Court Me Challeng hi Kar Sakta Hoo, Kayoki CIBIL ki is Report Ki Vajah Se Mujhe Loan Milne Mai Dikkat Aa Rahi Hai Aur Mujhe Mentely & Bussiness Loss Ho Rah Hai, Apap Plese CIBIL ki report Check Kare Aur Wrong Information Ko Thik Kare .
name- Rajesh Arora
PAN -
AHJPA 2586R
DOB - 04/06/1969
Address - 85/2 Sadbhav Kunj Lane 3 Panditwari Dehradun 248001

Dear Sir/Madam,

I have a salary account in HDFC bank, Perungudi branch Chennai. Today i visited bank to deposit cash to my account. They denied to deposit cash to my account saying that i don't have access to deposit cash to my salary account. Only they allow to access net-banking (Third party Transfer) and cheque deposit.

Without any information they denied access, we got bad response from branch

please do necessary action regarding this issue

thanks & regards
Lakshminarayanan S

I had tried to book Rail Tickets by using IRCTC Site with my Credit Card no. [protected]. But, for some technical reasons, the Ticket was not issued, however i received message in my cell no. [protected] that my card has been charged for the following:
dt. 24.4.09 Rs 10215.00
dt. 25.4.09 Rs. 2350.00 and 2050.00.
please confirm and rectify from your end, as some technical fault is carrying on in IRCTC Site.

I have opened my saving account with HDFC Bank (a/c no. [protected])in July 2008. I received only my Debit Card and cheque book but july onwards I didn't received any other document as well as my bank statement. I have complained so many times in customer care but they don't care. They are just misguiding. I also visit my branch (Musud Pur, Vasant Kunj, New Delhi-110070) but all in vain.
This is not a complaint against any individual or a Bank, but a letter to show how customers are cheated with false promises.
I need my bank statement for taxation purpose.

Vivek Kumar

i always pay my credit card bill on time last month too i paid on 10 march, which was my last date i paid through atm transfer and my problem started from that day .



on 20 march i got a sms from hdfc bank for billing ammount 357/-rs apporox., which was included "late payment charges of 100/- rs " i dont know why bank put l.p.charges on my card .



i called one 41514332one of executive picked the phone, i asked her why this charges put on my statement her answer was b cos i paid on 10 march, according to me bank give me 20 day payment time from statement date but she was teaching me that i was wrong i have to pay on every 8 of month .i told her if i calculated 20 days from 18 march than it will end on 10 march but invain .she told me " sir aapko itna bhi nahi pata ki late payment par bank to charge lagayega hee and ye to dene hee honge ".



i got frushtrated and disconnected the phone .Again i called 41514332 same day your other executive picked up and confirmed that it fault by bank and she is forwarding my complaint for reversal of late payment charges after her assurance i paid 250 rs (bill was of 357 rs )



Today[protected], i called again b cos i again got bill for 97 rs and i talked to ms .REKHA at 41514332, again she started teaching me about my charges she told me THAT THERE IS NO COMPLAINT FOR REVERSAL OF L.P.Chrages, and she too told me to calculate from jan 09 & but after a long hectic 'debate" she too agreed that it is mistake on HDFC bank end .





I AM COMPLAINING FROM LAST 6 MONTHS THAT I AM GETTING MY HARD COPY on staircase or near to garbage area, your executives told me that it is not banks fault they told me to communicate to the courier company on my end & rectify the problem .we have 3 gold cards in family and every one is facing same problem .



only thing i can say that few of your executive can spoil your company IMAGE . I am complaining on this site by sparing time b cos i believe that my effort can help HDFC bank to do better for your clients .

On April 4th I tried to withdraw 5, 200-00 from a non HDFC Atm i was unable to withdraw the cash as I was using a International Debit card, not accepted at few ATMs. When attempted to withdraw it said unable to process your request. Its been about 13 days from the time I have registered the complain that there is a withdraw of 5200 from te account and cash not received there is no action taken by HDFC BAnk on the same.. When spoke to cal center agents they speak foolishly withoutt furnishing proper deatils and they disconnect the cals often. HDFC Bank agents level of process knowledge, attitude and behaviour good for them and it sucks for others. I'm not sure if I'm going to get back my money. When we don't pay credit card bills these banks have time and agents to cal back even before the due date to make payments but for things like this they don't get back and provide proper information to customers.

I HAVE BEEN USING HDFC CREDIT CARD NO. [protected] FROM LAST 3 YEARS AND HAVE A VERY GOOD RECORD WITH THEM . ON 27TH DEC 2008 MY CARD WAS MISUSED BY SOME MALICIOUS USER ON INTERNET . THE MISUSE WAS IMMEDIATELY REPORTED TO HDFC CREDIT CARD DIVISION AND SAME WAS GIVEN IN WRITTING TO THEM IMMEDIATELY. THEY SAID THEY WILL REVERT ALL THE CHRGES AND WILL NOT CHARGE ME FOR THE SAME. I WAS CONSTANTLY IN TOUCH WITH THEM AND THEY SAID INVESTIGATION IS GOING ON. BUT INSTEAD THEY HAVE DEBITED MY CURRENT ACCOUNT[protected] WHICH I AM HOLDING WITH HDFC BANK WITH ALL THE LATE PAYEMENT CHARGES AND INTERSET. THEY HAVE DEBITED RS. 67000 FROM MY ACCOUNT. I TRIED CALLING CREDIT CARD DIVISION SO MANY TIMES REGARDING THIS BUT THEY HAVE STOPPED COOPERATING AND NOT TALKING TO ME. PLEASE GET MY MONEY BACK AND NOT CHARGE ME THE MONEY FOR THE CRIME I HAVE NOT DONE.

Hi I am Kirti
holder of account number [protected], on 27th january 2009 i lost my visa debit card in rajouri garden and on 29th january 2009 at 9.46am i got the card blocked they took 30minutes on phone and they confirmed that my card has been blocked. But still after that on 30th january2009 a transaction of Rs4000/- took place. i had no clue about this particular transaction and again on 6th february another transaction took place (at noida mall) of Rs 6500/- sum how police helped and they refunded me Rs 6500/- but still i havent got the balance Rs 4000/- which took place on 30th january.

On 7th february 2009 i went to the bank and got my transaction details and then i talk to customer care for refund, cause what happened was there negligence.I called at customer care and talked to shikha, ashwin (customer care executive) between 12pm to 2pm but no one responded and kept me on hold for 15minutes. later on same day i got a cal from bank and they said to fill up the no liabilty form along with an F.I.R and you will get your refund. On 10th february I filled up no liability form at rajouri garden branch and also submitted the F.I.R. Within 4-5 days i regularly received calls from bank and they enquired me about the details of the theft. They also sent a person to collect papers from me including the copy of no liabilty form. But after that i got no response. I kept quiet for many days but just to give them a reminder i called on 4th April 11.40am i talked to karisma(customer care executive) she said she will revert back and give me the status but she didnt turn up. Then i cald on 22nd April and talked to Viral (customer care) even he said the same but didnt turn up. Its about 3months but still i havent got any refund, they are neither giving me any complaint number nor they are responding. please i need help.

thanks

I had sent the below letter to HDFC Credit Card Division while cancelling my card:
[protected][protected][protected][protected][protected][protected]
I had placed an order in AVA for Foot Massager (CE P CODE – 926) on 11-07-08. I got the confirmation of the order through SMS and the confirmation no. is[protected]. I was told within 14 working days, product will be delivered. But the product was delivered only on 01-08-08 and the product delivered was a Pizza pan instead of foot massager. I raised a complaint in Ava 3 times[protected], 06-08-08 and[protected]. They told me somebody will pick the wrong product and foot massager will be delivered in a week’s time. Every time I called them I got the same reply.

I had called HDFC Credit Card Customer Care twice asking for help but I was told that I need to check with AVA only and they cannot help me.

In the mean time, EMI has been started for the product foot massager.

(i). I don’t want to pay money for the product I didn’t receive.

(ii). HDFC bank should take the responsibility of supporting their customers in this kind of situation but I didn’t get any help even after so many ESCALATIONS. I got the AVA product list along with the HDFC statement. Hence I placed the order in AVA having faith in HDFC bank.

(iii). In the market, there are so many banks which offers good customer support. I have 2 savings account, 1 current account, 1 Demat account and FD with HDFC bank. I am very disappointed with HDFC bank with respect to credit card department.

I am a regular user of HDFC Credit card and have good payment history. I had taken so much of EFFORT AND TIME in calling AVA and HDFC customer support. Still I didn’t get support. So I am canceling my credit card and with this letter I have attached my cancelled HDFC credit card.

I have outstanding amount of Rs. 1100 as unbilled transaction. I have attached cheque for Rs.[protected]. NOTE: Rs. 248.33 is the EMI amount which I had already paid for Foot Massager. As I said I am not ready to pay for the product which I didn’t receive. SO I have enclosed cheque for Rs. 851

Pizza pan is available in my house and the address is mentioned in this letter above. AVA can come and pick up this wrong product anytime.

My mobile no. is [protected].

NOTE: I don’t want anybody from your team to come and trouble me at home. I am canceling the card paying the outstanding amount.

If HDFC bank cannot provide support for AVA shopping, please don’t promote AVA through HDFC and mis-lead customers. Please take this as an input as I have seen many complaints against HDFC and AVA shopping in many product review web sites. Unfortunately I checked the complaints after I faced the problem. If HDFC doesn’t provide solution for this problem, definitely you will will lose your valuable customers.

[protected][protected][protected][protected][protected][protected][protected]---...⇄

Now after 6+ months, HDFC credit card collections team is calling me and threating to pay the outstanding money which includes tax and late payment charges of the product which I didnt receive at all.

They should have contacted me when I cancelled the card. Now they are troubling me calling so many times in a very bad attitude threating me, and sending letter again threating me.

Respected Sir,
I had visited your ATM No. S1ACMB57 at VT Branch, Mumbai on 09 – 04 – 2009 at 15.44 p.m. for a cash withdrawal of Rs. 12, 000/-.

I have an International Debit – cum – ATM Card (STARLINKS VISA) of
Bank of India, Curchorem – Goa Branch :--
Card No. : [protected]
Valid Proof : 01 / 15
Name : SANTOSH TALAULIKAR
On using this card I was not issued any cash from the machine but the ATM transaction record showed a withdrawal of Rs. 12000/-. A valid complaint has already been filed regarding this with you. Kindly see that the above mentioned amount of
Rs. 12000/- is credited to my Saving Account No. [protected] of Bank of India, Branch Curchorem - Goa with interest at the earliest.

Sir, since your ATM machine is faulty please see that this machine is replaced by a new sufficient one to avoid inconvenience to the customer.

Thanking you.

I WAS ISSUED A HDFC BANK CREDIT CARD ON MAY'2008 AGAINST MY HDFC BANK DEBIT CARD(CARD NO.[protected]). THE TOTAL CREDIT LIMIT FOR THE CARD WAS Rs 30, 000.SINCE THEN I HAD A TOTAL PAYMENT OF Rs 10, 000.RECENTLY, I HAVE OPTED FOR SETTLEMENT(MY TOTAL EXPENSES INCURRED IN THIS CARD IS Rs 30, 000).BUT THE Designated Employee of HDFC BANK-Ms Mousumi Bannerjee(Desk No-[protected]) is continuously harassing me to IMMEDIATELY go for selttlement- even after repeated requests from my side that i would opt for settlement option from May'2009 due to financial crisis . She has been repeatedly harassing me and my family members for the last 4 months- Continuously disturbing my parents on land-line no., every now and then sending collection persons for mis-behaving with my parents...And most importantly, even disturbing my neighours for the same-calling them every now and then. Even after making a total payment of Rs 10, 000 till now, i been spending sleep-less nights because of these sort of harassments.My parents are quite aged and even they are feeling un-well due this.
Please do the needful and OBLIGE

REQUEST YOU ALL PLEASE DONT APPLY FOR ANY ECS THROUGH HDFC BANK.
THERE WAS AN ECS DEBITED FROM MY ACCOUNT ON 5 MAR OF 2000/WHICH I HAD NOT APPLIED FOR.BANK SAYS THAT THEY HAD APPROVED MY ECS ON BASIS OF CHEQUE. BUT IN THAT CHEQUE MY SIGNATURE WAS NOT MACHING.REQUEST YOU ALL NOT TO GIVE ANY BLANK CHEQUE FOR ANY ECS ITS RISKY MORE THEN 2 MONTHS HAD BEEN PASSED BUT NO RESULTS FROM THERE END. DO NOT APPLY FOR ECS AS THEY DONT VERIFY YOUR SIGNATURE AND JUST DEDUCT THE AMMOUNT.AS IF ITS THERE MONEY.

To, 18/04/2009
The Manager (Credit Card),
(Collection)
HDFC BANK
Ashok Marg,
C – Scheme,
JAIPUR



SUB: - Use of abusing & harassing language by your collection staff.
My credit card no. is [protected]


Dear Sir/ Madam,

I am “Randeep Kumar Sharma” a customer of your bank’s credit card. I’m paying regularly monthly payment on the demand of your bank. But some time I did not receive statement in time and because of that payment get delayed. If, I do not know how much I have to pay than how could I deposit the correct amount?

Same incidence repeated for this month. Hence, I fail to deposit payment on time. Even still I’m waiting for the statement for the month of March/ April’09. I have received 1 call from your collection department on 17/04/[protected] at 11:37 a.m. and the caller was a lady Ms. Arpita (As she told her name). She asked me about the payment, I said that still I’ve not received statement but, even than I’ll deposit together for the month of March/April’09 & April/ May’09. She told me, if you fax me a letter & application about this I’ll wave off your penalty going to be charged. (She had spoken very gently) I was agree on that part but, due to some urgency occurred with my mother (who is paralytic) I fail to fax application to Ms. Arpita on 17/04/2009.

Today on 18/04/2009 between 12:00 noon & 12:15 p.m. Ms. Arpita has made my life miserable. She has called me almost 20 times on my cell phone ([protected]) and landline[protected] as well. She has used[protected] &[protected] nos. But I have picked up twice / thrice only. She has used very high level abusing & harassing language. She has called me ANPADH/ GANWAR / BHIKHARI / CHOR and many other words, which even I can not speak to anybody.

Even she told me GO AND SELL YOUR BIWI KE ZEWAR OR YOUR HOUSE TO PAY OUR PAYMENT. She also told me that BRAHMIN HO KAR CHORI KARTE HO, SHARM NAHI AATI. PANCH BATTI PAR KHADE HOKAR BHEEKH MANGO AUR HAMARA PAYMENT KARO.


If this is the attitude of your department to collect the payment, than I feel very sorry about your bank.
She (Ms. Arpita) must apologize to me in writing otherwise I’ll take up this matter very seriously. And she will face consequences in the coming future.


Thanks & regards,



RANDEEP KUMAR SHARMA