HDFC Bank Complaints & Reviews

Dear Sir/ Ma’m

Loan Ref. No. – 13389700

I, Sumit Budhiraja, had applied for car loan in the month of June 2008. On 14th June 2008, I was paid visit by your representative for car inspection followed by office inspection. No reply/confirmation followed from your office.
On 25th July 2008, I received phone call from your side that car need to be inspected again. On 28th July 2008, car photographs were again taken. I was told reason, that nothing had happened on processing of my loan file, so the previous inspection report had expired.
Again no further response from your side.
Shockingly, on 9th August 2008, at 4:09 PM, I received a SMS at my mobile from HDFC-BANK, that my first EMI of Rs. 9276/- is due on 7th September 2008.

I demand an explanation that till date I have not received any communication/ confirmation and more so over, no cheque/ payment from the HDFC Bank, then how come you can demand EMI from me.

I wonder, which is this kind of banking, where without giving loan to borrower, the lender (HDFC) demands repayment.

I am completely baffled and frustrated at such a lingering and dark functioning of the bank. I state in clear terms, that you cancel this loan with immediate effect, I am not liable for a single paise payment to you, and if you people try to harass me, I would be forced to lawful measures against Bank.

You are advised to revert to me with the confirmation of cancellation of this phantom loan and return my documents at the earliest.

I have already waited for your response since June 2008 and now bullishly you demand EMI without disbursing loan to the borrower.

Sumit Budhiraja
CA, LL.B., M.Tech, MBA, MASE, MCP, B.Sc.

Sir,

Please check the below mails for details. I have booked a loan and lost my credibility and patience and not able to concentrate on my work because of this incidents and i want this to be resolved at the earliest. Please help me out on this.

I have all the documents with me but i dont know how to attach here.
[protected][protected][protected]
FW: Reversal of Auto Loan R Hari Prasad‏
From: Hariprasad raja ([protected]@hotmail.com)
Sent: 09 October 2008 14:43PM
To: [protected]@hdfcbank.com
Cc: [protected]@hotmail.com; [protected]@yahoo.com

Security scan upon download
1.jpg (435.9 KB), 2.jpg (214.2 KB)
Hi

Please check the below mail which was sent on 10/06/2008 but i have not received any reply till date from them So please check the below mail with attachments. Please make sure that this issue is closed ASAP else i may need to go for a complaint in complaintsboard (Under RBI).

Thanks
Hari

[protected][protected]
Dear Mr. Prasad,

Thank you for writing to us.

This is with reference to your e-mail dated October 06, 2008.

We are unclear on the nature of your query on the basis of the contents of your mail.

Please elaborate on the same in your reply so as to enable us assist you at the earliest.

Awaiting your response.


Warm Regards,
Sandhya Nair
Customer Support
HDFC Bank Ltd.



[protected][protected][protected][protected]


From: [protected]@hotmail.com
To: senthilnathan.[protected]@hdfcbank.com; sivaramakrishnan.[protected]@hdfcbank.com; tw-auto.[protected]@in.hdfcbank.com; jovial.[protected]@hdfcbank.com; [protected]@hdfcbank.com; kalpesh.[protected]@hdfcbank.com; [protected]@hdfcbank.com
Subject: FW: Reversal of Auto Loan R Hari Prasad
Date: Mon, 6 Oct 2008 09:17:23 +0000






Hi,

I am Hari Prasad from Chennai (Car Loan Ac#[protected]. For my wedding day (07/09/2008), I have booked for an Alto LXI car at Kapico Motors on 31/08/08 and subsequently booked a loan with HDFC thru Mr Vijay (HDFC Loan Executive) for an amount of Rs. 2, 20, 000.00. The loan was approved and an amount of Rs. 2, 10, 596.00 was sent to Kapico motors on 05/09/2008. Since the service provided by Kapico was not satisfactory and since I was very much disappointed with them I thought of canceling the above loan so I tried to check with Mr Vijay about the cancellation procedure but Vijay was delaying many days by not picking the call and then by saying that he went to outstation and will be back tomorrow (likewise delayed for nearly 5 days) and I thought speaking with this guy is worthless and I went to T nagar HDFC Bank loan division GN chetty road and I have cancelled the above loan on 16/09/2008 by paying an amount of Rs.1000.00 and as per the person at the loan division my loan was booked under the name of Mr. Illavenil Subramaniam. So on the same day I went to Loan processing division at Nelson Manickam road and met Mr Illavenil Subramaniam and issued the copy of the cancellation letter and the challan for Rs.1000.00 (that I paid towards cancellation charges).

I continuously called Mr. Illavenil Subramaniam to check on the status but he was not picking the phone and i[censored]nfortunately by mistake if he attends my call (Since he doesn’t pick up my call when I make call from my mob# I used to call from my friends or my dad’s mob #’s to speak with him) he used to say that it will be closed in 2 days but he has not made any steps to close this loan so I have called Mr Diva Shanmugam and Mr Kamala Kannan @ HDFC Anna nagar branch they were the guys who referred Mr. Vijay to me and they have called Mr Illavenil and Mr Vijay on this but there is no reaction from Mr Illavenil or Mr Vijay. I have again visited and met Mr Illavenil but the reply was the same.

Suddenly One day Vijay called me and said that the Auditing is going on in Nelson Manickam road branch and he is not allowed inside the Premises so asked to put pressure on Illavenil Subramaniam to close the above loan and also the bank is holiday for 3 days (30/09, 01/10, 02/10) and else the first EMI will be coming to my Bank account. Since Illavenil was useless and not even attending the customer with proper response and treating me as a fool, I thought it will good if I can go again to T nagar branch to know the current status and went on 27/09/2008 and as per gayathri at loan division the amount that have sent to Kapico have not been refunded yet to HDFC (This is the status that I got) So again I went to Nelson Manickam road branch on the same day to enquire the same and met Mr Illavenil, he again received a copy of the cancellation letter and challan (as if I came for the first time) and went in and then came out after an hour and said that they will be receiving money back from Kapico on Monday 29/09/2008 and asked me to call on Monday.

I have raised a complaint to the Maruti Company on 27/09/2008 saying that the money is not refunded to HDFC by Kapico and were delaying unnecessarily.

Again I called on Monday but he has not picked my number so I again tried to reach him on Tuesday and I reached his mobile and he said that on Monday (29/09/2008) they received the money back from Kapico and it will be closed and I have to give a cheque for Rs.1659 as the interest towards the loan amount and since 01/10 and 02/10 were holidays he said he resides at Anna Nagar and will collect the cheque from me and asked me to call on 01/10. But when I tried to reach him on 01/10 & 02/10 he has not picked the phone. So I went again to Nelson Manickam branch on Friday (03/10/2008) and met Mr illavenil, he said that the interest amount has been increased and I have to issue a cheque for Rs. 2029 and nothing can be done. I enquired him that when the amount was sent automatically to Kapico by Fund transfer by HDFC (from your end) and I have not given a cheque or DD for this amount of 2, 10, 000.00 why not this amount can be retrieved from your end but Mr Illavenil said it is not possible to do like that and they have delayed it unnecessarily and they got the money back only on 29/09 then I asked him that you have told me that you will collect the cheque on 01/10 but since there was no response from you I came today (03/10) and atlast he agreed to that and got the cheque for Rs. 1659. I want to highlight you one more thing when I was sitting in the room Mr Illavenil received a call from the General Manager ABT Maruti and was shouting him because of poor service done by Illavenil and after the call was disconnected, Illavenil was shouting and scolding that GM with very bad language sitting in front of me. I was very much shocked in hearing such words.

On 04/10/2008, I received a call from Ms Viji from Kapico saying that they have sent the advice on 18/09/2008 to HDFC and they have not delayed from their end.

I want to bring the below points to your notice –

When the money is sent back to HDFC on 18/09/2008 why your guys said that they have not received the money back and they received it only on 29/09/2008.
Not picking the customer phone calls and not giving any proper response to the customers.
Not taking any steps to close the account, unnecessarily delaying things.
Collecting more money thinking that customer should be penalized or suffer by charges.
Collecting the documents (Cancellation letter and challan) and not reacting to that and asking to submit again.
Booking done by Vijay and was booked under the name of another person Illavenil without the customer knowing the fact.
Using bad languages on the customers in front of another customer.
When the money is sent back to HDFC on 18/09/2008 why did your guys said that they have not received the money back and they received it only on 29/09/2008 are you making fun of me or you guys making money out of me is that not cheap to lie a customer when you have received the money back. Such a big Worlwide fame HDFC bank is handling customers like this and cheating customers like this. Actually your guys used to say that I am a classic customer of yours but I feel ashamed of being a customer of such a Bank with Employees having very bad attitude and treating the customers very cheap I have account in other banks also but I have never, ever seen such bank employees like Illavenil or Vijay. Please have genuine person in your bank who respect others and handles the customer in proper way.

Please find the below attachments –

1. Cancellation letter (1.jpg).

2. Challan for Rs.1000.00 (2.jpg).

3. Mail from Ms Viji (Kapico Motors) (See below)

Hari Prasad








[protected][protected][protected][protected]
From: [protected]@kapicoindia.com
To: [protected]@hotmail.com
Subject: FW: Reversal of Auto Loan R Hari Prasad
Date: Sat, 4 Oct 2008 16:40:03 +0530


Dear Sir,



Pls find the advice which we have sent to HDFC on September 18th.



Regards



Y. Vijayalakshmi

Sales Manager




[protected][protected][protected][protected]

From: Srinivasan [mailto:srinivasan.[protected]@kapicoindia.com]
Sent: Saturday, October 04, 2008 4:21 PM
To: 'VIJI'
Subject: FW: Reversal of Auto Loan R Hari Prasad
Importance: High





FYI


[protected][protected][protected][protected]

From: Raja [mailto:[protected]@kapicoindia.com]
Sent: Thursday, September 18, 2008 1:05 PM
To: 'Niranjan'
Cc: 'Narayanaswamy'; 'Srinivasan'
Subject: FW: Reversal of Auto Loan R Hari Prasad
Importance: High









FYIP



Thanks & Regards

R.Raja
KAPICO MARUTI
NO.309, POONAMALLE HIGH ROAD
KILPAUK, CHENNAI - 10
Phone No : 42859970
Mobile No:[protected]




[protected][protected][protected][protected]

From: Raja [mailto:[protected]@kapicoindia.com]
Sent: Thursday, September 18, 2008 11:48 AM
To: 'Senthilnathan.[protected]@hdfcbank.com'
Cc: 'Sivaramakrishnan.[protected]@hdfcbank.com'; 'tw-auto.[protected]@in.hdfcbank.com'; 'Jovial.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'; 'Jovial.[protected]@hdfcbank.com'; 'Kalpesh.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'
Subject: Reversal of Auto Loan R Hari Prasad
Importance: High








Dear Sir,

Loan A/c No 13769714 Cus Name Mr R Hari Prasad.


The Customer has cancelled the Vehicle due to some personal Reason. Please reverse the Loan amount in our Inventory Funding account.

We have received the Amount of Rs, 2, 10, 596/- From HDFC

Please do the needful.

Thanks & Regards

R.Raja
KAPICO MARUTI
NO.309, POONAMALLE HIGH ROAD
KILPAUK, CHENNAI - 10
Phone No : 42859970
Mobile No:[protected]

'Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise .The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd. '

On 4th of October 2008 while trying to withdraw amount of RS 4000 from ATM centre at kochi at the last moment it showed an error.I did the transaction again for the same amount.Again it was showing the same error.I thought it may be error with the machine.So i went to another HDFC ATM which was near by.When i tried to withdraw the amount it was showing i don't have sufficient balance.When i took the mini statement i was suprised to see that amount of 8000 has been withdrawn from my account eventhough it showed failure of transaction.I reported the matter to customer care on 4th itself but they havn't responded back yet.What i'm supposed to do next.Please advice.

Thanks & Regards,

Vibindas

this is regarding the clearance of my name from CIBIL as i have already cleared my two wheeler loan 5 months back and also got no objection certificate from HDFC Bank and still when i apply for the credit card i got a letter stating that my name is figuring in CIBIL i do not understand why still it has not been updated, I request you to kindly clear my name from CIBIL and help me getting a credit Card .

Regards

Rafiulla Sharieff

I had a credit card from HDFC. I used it for around 2 years. I have to make some payment to them. Outstanding amount is 90, 000. With interest, late fee and overlimit charges and all other charges, where the principle amount is just 32, 000. I have total purchase of 119, 000 and I have already paid the bank Rs. 80, 000 by paying minimum amt.

Now these people are harassing my family members a lot. Please tell me what can be done. I am ready to settle with matter for 30k and thats what I can afford. Kindly revert. Thanks.

respected sir

i request that i got me p.f account number plz tell me how is possible plz tell me as soon as possible


thanking u
sandeep khullar
[protected]

I am employee of HDFC bank in marketing sector.
I was appointed on 1 July 2008 as a Contract sales Executive.
My job code is CG09067.

I worked with this bank till 15 september 2008.
The matter is that i didn't receive my salary yet.
Which i am legally liable to get.
My one months salary is RS.6500
And my 2 months and 15 days salary is remain which is not given by departmet.br...

This is on behalf of my wife who has an account with HDFC Bank, Mumbai.. She has a credit card of HDC Bank as well. Earlier there were some dispute regarding the amount due on her credit card. We had sent reconciliations of the amount due and numerous letters. We requested the bank to sit across the table to reconcile any differences. But the bank did not respond at all. Meanwhile, her salary bank account has been frozen by the bank without even intimating us and the bank threatens to debit the account for the outstanding dues. The collections head at Andheri E refuses to respond favourably to any efforts from our side to reconcile and unfreeze the account. I am sure the bank does not have any authority to unilateraly decide freezing of the bank account without intimation. Can you help me in this matter and the future course of action. Regards Shriram

HDFC bank has created lein on savings account claiming due on credit card, which was fully due to the charges and interest charged. They appear to have found an easy way to enhance collection. Beware bank users these banks gets signature on dotted lines and behave uneithically. Customers beware of the practive adopted by the bank.

Let be brief the plight of my savings account and credit card account. Bank issued a credit card propagating as a privilaged saving bank customer for many years. For certain months it was going fine but they started charging interest, other charges claiming one reason or other. Upon speaking to their customer care, explaining the reasons, they agree to reverse all the charges. It was only a momentary happiness as I found the bank reversed only a partial reversal but continue to charge interest on the rest of the amount. Again spoke to customer care who agreed for making corrective action but failed yet again. All the promises of the banks customer care were not fulfilled but the bank contine to charge interest and other charges. They have debited my savings account in April without my knowledge and now without any official intimation in writing they created lien on the savings account.

Beware while signing dotted lines.

The bank claims that it understands customer but alas !!! it has failed to understand its own customer care officials promises/ commitments made during customer interactions and penalising the customers.

S.Ramakrishnan

I am Sujit.S, Employee code:S10172, Palakkad. Till now i haven't received my PF form and amount. i want to know the reason. i also tried to contact the concern person but there was no response.What should i do to receive the amount as early as possible?Hope you will consider this complaint and do the needful.

An Automobile loan was taken in the name of my wife and the EMI was paid through ECS on 2nd of every month. On 2008 April as 1st was holiday for bank I couldn't remit the money in bank and I remitted it on 2nd. But Ecs is cleared on last days balance my ecs bounced and the bank called me up and their people collected the money by cash including the fineson 11/04/08. Again on 5th of may bank called me and told that my ecs for may also bounced. Then I checked my account statement and to my surprise I found that HDFC has withdrawed the money in april 17th and remitted it back on the 3rd of may, so the ecs bounced on 2nd of may. I informed the back about what happened and they told it is ok and they resubmitted the same. Then now in september they collected fine again on the ECS bounce happened in may 2008, again through a second withdrawal. And when contacted the bank they tells that nothing can be done on this.

I am Gurdeep Singh, saving bank account holder with HDFC Bank ( New friends colony branch, new delhi ), my bank account no. is [protected], and i was just shocked last week, when someone has used my netbanking ID and password and transfer the fund into his personal saving account, and his account is added up by banker without verifying the bank account number and the account holder name in the beneficiary list, now someone has transferred an amount of Rs.73, 500/- and left my account with a balance, equivalent to NIL...now its a mistake of bank personal for cross verifying the activity or put an hold on some fraudlant activity in net bankings.

So, because of my personal reasons, i want that money to be refunded in my account at the earliest ( without any delay ).

Regards.
Gurdeep Singh
o-[protected] ( personal )

Hi,
I was expecting some funds from my colleague in Switzerland. He has transferred money online on 12.08.2008 from his salary account to my HDFC account, SR Nagar, Hyderabad and to my surprise i haven't received the money till date (Oct 07, 2008). After almost 15working HDFC came back to me saying they need the MT103 to trace where the money is, which i got it from the sender's bank & sent it. Request the relevant authorities to kindly take this up & ensure that i receive my money. please contact me incase you need any further information reg the same.
Regards,
Annapoorna
Mbl - [protected]

(PLease resolve my problem if any reliable person seen this message or given me any no. or mail address to resolve)

HI Everybody,
i'm(SAURABHDWIVEDI) [contact no.-[protected]]
very frustated at the time of writing this mail because HDFC BANK not given my Salary from Two months.I joined HDFC BANK as a CONTRACT SALES EXECUTIVE on 2nd june, 2008 (as mention on my appointment letter)and i'm working there for two month, i leave my job due to my harrasment by my TEAM LEADER (MOHD. ANEESH).I complained to my senior MR.ZAHEER ABBAS many times but he don't take any action on it, so i leave my job and when i call mr.abbas for my SALARY he says there is no salary for u.

The Manager HDFC Credit Card Division
Chennai


Ref :Credit Card no [protected]


Dear Sir,

I would like to bring your kind attention in following issue .
In my Jul-2008 credit card statement you have debited Rs 56
as cash processing charge to my payment of cash Rs7100/-
towards the settlement of bill . I have been using your card for my purchases for last few years, i[censored] verify my statement you could not see any default in my payments. It is un justice and un fare to charge a penalty for remitting cash to settle a bill. Your executive who compelled me to take the card never told me about hidden traps . I would request you to reverse the debit amount charged against me other wise I would like to abandon your card. Excepting a favourable decision from you

Thanking You

T.P Sajeevan
Mathrubhumi
Thana
Kannur

Dear Sir, Recently i applied PL from HDFC Bank New delhi, but my application was rejected. On enquiring regarding the same i was surprised to know that since i had applied for 7 lacks of loan that i am not entiteled to. So far i had never applied for any loan of 7 lacks and till date no body is confirming who had applied on my behalf and by using what all documents.

I any body hels me this regard i will be higly obliged.

Regards Jarnail Singh
0091-[protected]

Dear sir,

I have already given a request to mail me my credit card stmt for the crdt card no [protected], but I am not receiving the stmt from the last two months.

Kindly mail me my stmt in my mail ID

I pay all type dues in my p/loan A/C No.847271 and bank gives "0"balance statement "NO DUES" on dated..15/04/2008 but on that date 06/10/2008 my name in cibil report as a unpay some Rs. So i request you to remove my name from CIBIL

dear Sir,

i have take a car loan fron HDFC Branch shimla in July2006, and i have forecloser this account in Mar-07, but we have not received the Noc of My loan account, i have talk couple of time to the dealin hand, but we have received no responce, you are requested to please do the some thing . My car loan account no 10429964.

My address is:

Sunil Tanwar
c/o Chee Na telecom
Bridge view Hotel,
The Mall Shimla -171001
Contact No:+91 [protected]

Dear Sir,

Refer to subject that we have 1 SB a/c in HDFC Bank Kanpur & before last month the bank has dishouner 2 cheques due to signature differ.Other cheque has been passed with same signature. I think this the funda of get other Income.Pls advice me can I go to leagal case or through RBI.

sandeep gupta
+91 [protected]