Dear Sir,
The detail of communication with between HDFC bank is given below.
They are trying to make me fool using wait 2 days more wait 3 days more.
Check the conversations. They deduct wrongly Rs. 1000/- from my account and not return it to me
and asking again and again wait for some time. If they cannot wait for card payments even 1 day how could i. They use to charge 3% interest i also want my 1000 rs + 3% interest because of delay in return my amount.
Please find the detail and do the need ful. I will be higly oblige.
Dear Customer,
This is a system-generated response to acknowledge receipt of your e-mail. The subject line contains the reference number allotted to your e-mail. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Your feedback is important to us and we are committed to provide a satisfactory resolution. Our Customer Service Executives will respond within two working days. In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution.
IMPORTANT:
Hotlisting of card: Loss of ATM, Debit card or any other Card issued by our Bank must be immediately reported to our Phone-Banking unit to have the card hotlisted (cancelled). The Phone-banking facility (Hotlisting Desk) is available round the clock. Unknown Beneficiary Addition/ Transfer of fund: In case you have received a message stating that a transaction has been done using your NetBanking login or a beneficiary has been added into your NetBanking account, please immediately call up our PhoneBanking Numbers and get necessary action taken. Please remember that such a timely action from your side will defeat the designs of the fraudsters.
Please click on the attached url for details of nearest Phone-Banking centre: http://www.hdfcbank.com/personal/access/popup_pbnumbers.htm
Assuring you of our best of services.
Warm Regards, HDFC Bank Ltd.
To register for FREE Email Statements, please visit the nearest HDFC Bank branch or register through NetBanking by clicking on the Email Statement Registration option."
-----Original Message-----
From: [protected]@yahoo.co.in [[protected]@yahoo.co.in]
Sent: Wednesday, Dec 17 2008 5:46PM
To: [protected]@hdfcbank.com [[protected]@hdfcbank.com]
Subject: Debit card
Name : MR. MANINDER SINGH
Customer ID: 8828499
Account No : [protected]
Dear Sir/Madam,
I have salary saving account in your bank. sir i was shocked to see debited Rs. 1000/- on 12-May-2008. in my account. Bank has debited to me Rs.1000/- as Debit card usage charges of 22-May-2008. Sir i just want to say that i have not used this amount on 22.05.08 which i was used you already debited in my account on same day. You are requested to please credit Rs 1000/- in my account. Do the need full as early as possible
Thank You & Regards
Maninder Singh
Dear Mr. Singh,
Thank you for writng to us.
With reference to your e-mail dated 17/12/2008 regarding the charges levied to your account.
Your query regarding the charges levied to your account is being attended to. We will revert to you within 3 working days.
Looking forward to your co-operation and patience in the interim.
Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.
Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.
What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Mr. Singh,
We thank for your patience and co-operation.
Please note that you had done a Transaction on 22/05/2008 for Rs. 1000.00, which was reversed on 02/06/2008 by the System due unclaimed by the Acquirer Bank.
On 12/12/2008, Acquirer Bank had claimed the money therefore we have Debit the account.
We request you to refer to the Dispute process as follows:
Kindly fill in the attached Card holder Dispute form and fax it across to us on[protected] to the kind attention of Chargeback Unit mentioning the reference number in the subject line of this e-mail, so that we can initiate a chargeback. Please write back to us confirming the date when you have faxed the same, to enable us to confirm its receipt.
Kindly visit the following URL to access information on our Branches as well as our PhoneBanking numbers:
http://www.hdfcbank.com/personal/customer_center/customer_center.htm
We trust you will appreciate that this is to protect our customers' interests.
We thank for your patience and co-operation.
Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.
Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.
What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Sir,
This is to inform you that i have send Card Holder Dispute form through fax on 19-dec-2008 on 11.04 am. to the bank.
Kindly note that bank has charged me this amount on 22-May-2008 and reversed it on 02-June-2008 because on that time i was registered complaint against bank i have received cash from ATM on[protected]. there were some problem shows on screen. That is why bank is reimbursed me Rs. 1000/-
Now i dont know why they claim this time. You please understand my problem and help me to claim the same.
Thank You & Regards
Maninder Singh
A/c [protected]
[protected][protected][protected][protected]
From: HDFC Bank Support <[protected]@hdfcbank.com>
To: MANINDER SINGH <[protected]@yahoo.co.in>
Sent: Thursday, 18 December, 2008 8:58:17 AM
Subject: RE:'HBL=[protected]' Debit card
Dear Mr. Singh,
We thank for your patience and co-operation.
Please note that you had done a Transaction on 22/05/2008 for Rs. 1000.00, which was reversed on 02/06/2008 by the System due unclaimed by the Acquirer Bank.
On 12/12/2008, Acquirer Bank had claimed the money therefore we have Debit the account.
We request you to refer to the Dispute process as follows:
Kindly fill in the attached Card holder Dispute form and fax it across to us on[protected] to the kind attention of Chargeback Unit mentioning the reference number in the subject line of this e-mail, so that we can initiate a chargeback. Please write back to us confirming the date when you have faxed the same, to enable us to confirm its receipt.
Kindly visit the following URL to access information on our Branches as well as our PhoneBanking numbers:
http://www.hdfcbank.com/personal/customer_center/customer_center.htm
We trust you will appreciate that this is to protect our customers' interests.
We thank for your patience and co-operation.
Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.
Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.
What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
[protected][protected][protected][protected]
Be the first one to try the new Messenger 9 Beta! Click here.
Dear Mr. Singh,
We have noted your query and will revert to you within 5 working days.
The Reference Number for the above query is R50790327, which may be quoted in all future correspondence with us.
Also, you can get the status update by speaking to our Phonebankers quoting the above Reference Number.
For our phone banking numbers, kindly visit http://www.hdfcbank.com/common/customer_center.htm
We appreciate your Patience and Understanding in this regard.
Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.
Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.
What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W),
Dear Mr. Singh,
We regret we are unable to meet our earlier committed time lines for resolution and would require some more time. We assure you that your query is being attended to on priority and we will revert to you within next 3 working days.
It is our endeavor to provide timely responses, however, at times such aberrations occur, where we are unable to respond within committed time lines.
Your continued patience is solicited in the matter.
Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.
Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.
What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Sir,
Please let me know how long time i have to wait for small query. Why should i suffer from this. Where is my fault. Mistake done by HDFC Bank than why customer suffer and why you are not giving me credit for the same.
It is very clear that on[protected] i used debit card in ATM machine at West Patel Nagar due to non payment i put the complain in bank and bank return me my money in June after verify the slip and payments detail from collective bank. When collection department did not claim for the same than bank return me credit which is wrongly debited me on[protected].
Now u again debited me same thing and ref you are giving[protected]
What is this sir. I am tired of tabbing you people again and again.
Kindly do it on ASAP
Maninder Singh
A/c No. [protected]
----- Forwarded Message ----
From: HDFC Bank Support <[protected]@hdfcbank.com>
To: MANINDER SINGH <[protected]@yahoo.co.in>
Sent: Monday, 29 December, 2008 11:56:03 PM
Subject: RE:'HBL=[protected]' Debit card
Dear Mr. Singh,
We regret we are unable to meet our earlier committed time lines for resolution and would require some more time. We assure you that your query is being attended to on priority and we will revert to you within next 3 working days.
It is our endeavor to provide timely responses, however, at times such aberrations occur, where we are unable to respond within committed time lines.
Your continued patience is solicited in the matter.
Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.
Savings and Current accounts customers can now receive Email Statements, free. To register, please visit your nearest branch or download the registration form from www.hdfcbank.com under "Forms Centre" and submit at your nearest branch.
* Individual Savings account customers who are registered for NetBanking, can register for Email Statements through NetBanking, under Email Statement Registration option on the left hand instruction panel.
What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Mr. Singh,
At the very outset, please accept our sincere apologies for the delay in resolving your query / issue and the inconvenience caused to you.
We would need some more time to resolve the query / issue raised by you and request you to bear with us. We will revert to you in two working days.
We urge you to treat this delay as an exception and assure you that we are committed to quality customer service.
We apologize once again and re-assure you that every effort from our side is being made to have your query / issue resolved at the earliest.
Warm Regards,
Rajeev Rajan
Customer Support
HDFC Bank Ltd.
What's New? Introducing Most Frequently Asked Questions on our web-site to answer your queries.
Please visit the link https://www.hdfcbank.com/common/customer_center/account.htm
Disclaimer :
The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s)only and may constitute privileged information. 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.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
Dear Mr. Singh,
Regret for any inconvenience caused to you and apologies for the delay in resolving your query / issue.
We assure you that your query is being attended to on priority.
We might require some more additional time to resolve the query / issue raised by you and request you to bear with us and will revert to you within next 4 working days.
We assure you that we are committed to quality customer service.
Aug 14, 2020
Complaint marked as Resolved 
This is to bring to your notice the unfair trade practices played by major Insurance Company.
I had taken an Insurance policy with details as below:
Policy No.: 10707528
Life Assured: Swarnpreet Singh
Plan Description: Unit Linked Pension
Payment Type: Direct Debit
Frequency: Monthly
Premium Amount: 5000/- (Five Thousand Only)
Since the starting, the HDFC had problem taking payment and I had to run every time for making my premium payments. Everything was going fine till December'2007. In the month of Jan' 2008, the premium amount was not debited from my Bank Account and the reason given to me was insufficient funds whereas there were enough funds to make the debit.
Anyhow, I received a call on the 21st Jan' 08 on the same from Mr.Pankaj Kapoor # [protected], [protected] stating that since the payment was not cleared through the direct debit, could it be possible for me to make a cheque payment? I happily accepted the same and on the 25th Jan' 08 an executive named Mr. Aamir Khan # [protected], Employee ID # [protected], visited my premises for the payment of the lapse premium.
On his visit, he was not carrying a receipt book and on contrary he asked for two cheques for Rs.5000/-. When asked, he said that since the payment for Jan' 08 was not cleared, the payment for Feb' 08 would not be debited since it as a closed Direct DEBIT account and I would again need to sign the Direct Debit Form for revival of the Direct Debit Facility. On this, I gave him two cheques with details as below:
a.Cheque No.: 055622 dated 25.01.2008 amounting 5000/- for SBI Bank, Sushant Lok, Gurgaon
b.Cheque No.: 055623 dated 20.02.2008 amounting 5000/- for SBI Bank, Sushant Lok, Gurgaon.
Now, since he was not carrying a receipt book, I made him sign on the photocopy of the cheques as a receiving. I also showed him the bank statement for the month of Jan' 08 and made him look into the
availability of funds and asked him the reason why the debit was not cleared. On this he replied, that sometimes the Direct Debit facility has a malfunctioning and is not cleared.
After this I went on an official project for 2 months to Dheradun.
On my return, there were two letters from the HDFC Insurance with details as below:
Letter Dated: 25th Jan' 08
Details: The letter clearly stated that instead of initiating a debit of 5000/- they initiated a debit of 10, 000/, which was not the amount they were supposed to DEBIT and thus the same was not cleared due to insufficient funds. And further they wanted me to make the payment.
Letter Dated: 19th Feb'08
Details: It was a revival quotation, stating revival charges of 250/- for revival for the lapsed policy plus my premium being unpaid for the month of Jan & Feb'08.
On receiving the above letters, I contacted the customer care and asked for the cheques, which were given as per the details above. The customer care replied that they have not received any cheques till date and they did not have any entry for the same. This annoyed me and I requested them for the closure of my policy on which they replied that the same could not be done before three years and also when I asked about the amount I would receive after three years, they replied that since it is a lapsed
policy they would make appropriate deductions and then return the money.
After all this, I made a written compalint to them as per the above and the reply recived to the same is below:
((On 6/12/08, Response Insurance <[protected]@hdfcinsurance.com> wrote:
Dear Mr. Singh,
Thank you for choosing HDFC Standard Life Insurance Co. Ltd. as your life insurer.
We deeply apologize for the delay in responding to your email.
With regard to your email, we would like to inform you that as per the confirmation from the concerned department we have sent the direct debit request for Rs.5000 only and we have received a failure due to insufficient funds. Hence we request you to kindly contact your bank for further information.
With regard to your email, we would like to inform you that as per the confirmation from the concerned department we have sent the direct debit request for Rs.5000 only and we have received a failure due to insufficient funds. Hence we request you to kindly contact your bank for further information.
With regard to the cheques we regret to inform you that we have not received the said cheques. We request you to kindly check your bank account whether they have been cleared and if cleared to which account.
The unit linked pension policy cannot be surrendered before three years. This as per the product feature which is mentioned in the policy document that has been sent to you. Since the policy is in lapsed state, all the units are deallocated and the fund value less surrender charges are held with us and will not be paid back. If the policy is not revived within 2 years from the date of lapse or 3 years from the date of inception whichever is later the amount held with us will be refunded.
We hope the above clarifies your concern.
Please feel free to write to us for further clarifications.
We assure you the best of our services always.
Warm Regards,
Ravi Sharma
Customer Service Officer.))
Further my reply to the above is below:
{{Dear Mr.Sharma,
Sorry for the delay in responding to your mail as I was not in town & was inaccessible to mails.
Your statement stating that INR 5000/- was only debited is entirely wrong as I have already checked with my Bankers and I have also received a letter from your organization stating that INR 10, 000 was debited and I have adequate proof, proving the same.
Thus, there is no point discussing the same and exchanging mails.
As far as cheques are concerned, no whereabouts about the same is known till date and I have already given a stop payment letter to my Bank.
Further, I have spoken to my attorney and if no response is received within 15 days of this email, I would have to file a legal suit against your organization and I would not be responsible for further actions.
Thus, taking this as my last email on the subject matter, reconsider giving my money back.
Awaiting your early revert on the same.
Regards,
S.P Singh
#91-[protected]}}
After the above mail I have not recived a single reply from them even after several reminder.
Now, my questions are:
a.Why did they debit 10, 000/- when they were supposed to debit 5000/- only?
b.Why the same was not informed to me even if they did?
c.Where are my cheques gone? They have clue on the same!! I really have to get my bank statement again and check maybe the said person has cleared it in his account!!
d.Where do I stand at fault in the above transactions, which were not cleared? Why should I face so much of mental trauma because of their faults?
e.Above all, if I want to close the policy, why should I wait for three years for my money?
f.Even after three years, they would not return my full money!! Why should I not get my entire money back?
g.Why should I face loss for which I am not at fault?
Please look into this and help me get out of this mental agony.
Regards,
S.P Singh
#[protected]