HDFC Bank Complaints & Reviews

Very unfair and fraud bank - hdfc bank. I checked my account and found deduction of rs. 100 + service task and that is for deduction of program management fee. What type of fees is this... No intimation from bank for such deduction, no news highlight.. It is clear to close the account in hdfc bank. Even i will suggest every body to close account in hdfc bank.

I availed personal Loan from Hdfc bank one year back.
my Loan account number is 31477347.
I always receive prompt message for instalment.
I tried to logon Hdfc site but Loan statement option not found.
I want to track my account.
Thanks & Regards
SDS

Hi, i would like to complain again regarding collection practices that i am facing with hdfc, i have been useing hdfc credit card since more then 3 years now, i always paid my bills on time in the month of September and October due to family medical conditions i missed my payment then started getting calls, calls from many different mobiles numbers unrecorded calls using many in appropriate language ( unprofessional words) harassing me to pay so i raised complain about it but it still continued till December then i received call from hdfc bank explain them my issue it stop for a while i specifically requested and never in any circumstances send any one to my house i was assured it will not happen again so i started paying i paid in the month of January and February little amount but this month an agent name - Gagan deep singh came to my house saying with loud voices why have you not pick my calls i told him i was sleeping and when i sleep i keep my phone in silent or may be i was at work i also inform him don't want calls from mobile numbers he started yelling at me you have not paid it i told him i was waiting for my salary, he again started yelling at me saying why i did not pick his call and talking to my neighbours about me not paying i told him i work at night so i sleep during day hours, i told him i already requested not to send any agent to my house he said he will keep coming till i don't pay, i really did not like this inappropriate why of collection practices. i will don't want to deal with any 3 party collection agencies please request HDFC bank to call me and not any 3party collection agencies then only i will start paying i know this is affecting my civil score but i am ok i dont care any more now but i don't this kind of harassment...if i get a call from bank i will talk and pay i want to start paying what i owe there where other issue with hdfc bank regarding not getting statement earlier that was also one reason i missed my payment...i requested hdfc bank to take action about this inappropriate collection practises ..thanking you

I am Naveen krishna A. having an hdfc account number of [protected] at Alwal branch. This is bringing to your kind notice that for the months of January and February, the bank has debited an amount of rs 171.75 on the name of Amb charges including ST and Cess. I would like to know on what basis bank levied charges against minimum balance.
I am providing you few details, which mentioned by the RBI on levy of penal charges on non-maintenance of minimum balance.

Levy of charges for non-maintenance of minimum balance in savings bank account shall be subject to the following additional guidelines:
(i) In the event of a default in maintenance of minimum balance/average minimum balance as agreed to between the bank and customer, the bank should notify the customer clearly by SMS/ email/ letter etc. that in the event of the minimum balance not being restored in the account within a month from the date of notice, penal charges will be applicable.
(ii) In case the minimum balance is not restored within a reasonable period, which shall not be less than one month from the date of notice of shortfall, penal charges may be recovered under intimation to the account holder.
(iii) The policy on penal charges to be so levied may be decided with the approval of board of the bank.
(iv) The penal charges should be directly proportionate to the extent of shortfall observed. In other words, the charges should be a fixed percentage levied on the amount of difference between the actual balance maintained and the minimum balance as agreed upon at the time of opening of an account. A suitable slab structure for recovery of charges may be finalized.
(v) It should be ensured that such penal charges are reasonable and not out of line with the average cost of providing the services.
(vi) It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum balance.
By these guidelines, Bank shouldn't levy charges on non-maintenance of minimum balance without notifying to the customer.
For my case, bank didn't inform me through message or email, though i updated all my details. hence, i am requesting the bank to credit the same amount to my account otherwise i want to take some legal actions against the same.

Sir,
my name is Greeshma mohan (emp code:153220).i was worked in HDFC bank for 1&half month as sales officer, in HDFC securities (Cochin region).
joining date: November 6, 2015
resigned on: December 17, 2015
my salary account opening date is 22 december 2015, till i did not get any salary from hdfc bank, and i am not satisfied with the reasons they provided.please help me.
thanking you
Greeshma Mohan

I am a preferred customer with HDFC bank since last 13 years, and maintains very good balances through out the year. I am not happy with the Program Management fee that they started charging, WITHOUT any notification. Why cant the bank send some notification about this beforehand, I am feeling like cheated when they deduct money without any notification. I am sincerely requesting the bank to refund my money that they deducted from my account WITHOUT any notification.

I hold an account in hdfc bank for the past 4 years. Six months back i travelled to usa. I got my india mobile number deactivated. Now i could not update any beneficiary because otp is still sent to the old number which is not active. I could not update my contact details online staying abroad.
When i contacted the customer care, they are asking me to come in person to update the contact details. What for online services are available for?
I could not get any proper response from any of the customer care person.

My name is maheswari, D/o Narashima reddy, I am using HDFC Bank credit card since 1 year, in March 2016 I did't make a payment for credit card.I got call in march saying that I didn't pay minimum due amount.He said me to pay amount in 1 hour time he called me at 2 PM on march 29. Actually I lost my phone number which is there in HDFC Bank records.So I miss the due date I need to pay.

The agent who call me is Mr Girish Dasika(mob no:[protected]).

As I recently join in new job I can't ask permission.He said to pay in 1 hour or I will goto your home and shout with your parent .He is shouting at me.I asked to give me time by next day morning so that I can pay but he ignore.So I called my friend and asked him to make a payment and given the agent number.But Mr Girish Bank agent total ignore his word and put the phone down.So anyway he made a payment by 4 PM same day .Now the agent called and said that my friend scolded him but he didn't scold him.So Agent said he will take serious actions.Anyway Agent task is to collect money not in interfere in personal matter or to scold .If I will not pay my CIBIL Score is gone and I will in a problem.So why HDFC Bank people should make Male bank agent to call and visit female customer.Why can't you arrange female executive. Because Male executive is making this issue as big thing and started black mailing me saying that he will go and fight with your parents and friends .Inform to all your relatives and friends. I said you need money right take it, don't try to make this as a big issue.After paying minimum amount as he asked he said you can pay remaining money by due date but again now he is saying to total amount now itself.Anyway I will pay once I get my salary on 2nd or 3rd April.He is forcing me to pay now.because my due date 6 of every month.I am paying interest also included but this guy is make big issue why I don't know for my friends all HDFC agent they call and treat in professional way.Why this guy like this.All my friends get calls from agent and ask to make a payment is genital and polite way even they did pay for 3 months and 4 months also.But why this guy is like this.Making a payment and remembering due date is my responsibility .If I forget inform me .For 50 thousand no one will leave own house and run away.Now after I said this Issue to my friend who paid money in bank .He call agent and started argument because he didn't scold the agent initially.No one will scold bank employ unless they do some wrong. Anyway If this happen next time I will pay total money to the court and fight in court of law for justice.

On checking my account, i see you have holding funds of rs 2042. Earlier rs 1200 was deducted for cheque return charges, for your pathetic service and overated charges, i have to cough the amount,

Now again rs 1000 has been deducted citing cess and cheque return charges.

Actually i did now want to continue ur account, but this was only account operational .

Reduce the charges to a nomianl amount, i will report this to all customer consumer forums so they are aware of your pathetic service, as you people loot peoples money in this way.

Pathetic service

Policy no. # 12548966...I had been to the Pune office as wanted to Close the Policy and wanted the refund with whatever i paid as i didn't find it beneficial, But i was told to pay some 1 lakh over it to close it...need your help in closing the same...i dont want to continue with HDFC life...it feels like cheated.When i want to inquire anything either they hang up on the customer service or they dont want to reply.

Sir,
i am prefered customer of hdfc bank from last so many years.Hdfc open new branch in front of my factory. I requested to give me account statement but they refuse under some infulance. After that i made a complaint by phone and assistant manager come to me but not giving any satisfactory reason and matter is closed. Sir if this is your complaint attendind style then please stop that section.
We are very impressed with your managing director mr. Aditya thoughts, but these people are pulling your legs.
In the end it is our bank and depute some special officer who take correct feedback practicals not in books or papers or not in mails. Thanking you and hoping that you can do some better ?

My HDFC salary account was created by my first company back in 2011. I got a better opportunity and had to move to a different company and location. To my surprise my salary account has been converted to savings account without any intimation or warning. Even if I check my recent E-statement dated 8th of march 2016 which is sent by HDFC bank, it says that my balance is ZERO (Rs.0/-) and HOW WILL MY ACCOUNT BALANCE BECOME Rs: -6308/- WHEN I WIST A BRANCH (I have attached the screenshot of the deceiving statement which HDFC sent). What are they trying to hide? I’m not responsible for the secret charges that the bank pile up on the customer without intimation. I request you to please take action against this.

Hdfc bank


Sub:- urgent require loan shedual of deepak aneja and interest certificate
Loan account number 28041312 and account number 35741176

This is to inform you that i m deepak aneja want to say that i purchase a eco flexi car which no is (Dl1lt-5913) on dated on dated 28/4/2014 amount of rs- 431237/-
And one eco flexi also purchase on dated 13/10/2015 amount of rs-463389/- which no is (Dl1lw-3347).. I request to you please give me loan shedual as soon as possible.


Thanks & regards

Deepak aneja
Email [protected]@yahoo.com

I have hdfc account, my personal banker (Vikas) of hdfc bank approached me for sl young star policy.
Which i purchased, he putted my email but policy was my wife name

When i tried to register policy online with hdfc life, it didn't allowed as my email has other hdfc life policy too.

So i sent an email to register my wife email, which they did but did typo and by that register an email which not exists
I sent the correction requests but they are asking to send through registered email ( which they have entered incorrectly)
On the help side my hdfc bank personal bank just provide a number to call on [protected] and then that lady asked me to call on another number [protected] and on that number lady asked me to contact person whom i have purchase the policy which left hdfc bank 2 year back. What the please service

Never purchase any policy with hdfc life.
I will take this matter to irda too and will put this message on facebook, let people now what kind of service they can expect from hdfc

Hello Mangement,
I am sunil kumar patnaik i am applied hdfc credit card but its showing status disapprove may i know the reason, My application no [protected]S2 & ur verification person he didnt come to my office address & Residental address without verfiy how u people are disapprove my application
I have very good cibil score
Regards,
Sunil
[protected]

They have committed not to charge Preferred customers who maintains so much balance in them . In spite without notification they charge so much money that is 400 + tax a year... which is not viable i[censored] have 5-6 Family accounts.
Please Refund us money and will Shift our account to other appropriate bank
This is scam bank worst bank worst service in india

I am the account holder in hdfc bank.

Customer id : 54437701.

I got credit card. When i discussed about the card feature he said that card is full of free, no processing fess.

But now from hdfc bank charged 435 rupees.

I contacted hdfc bank customer care no response, no proper reply.

I have sent so many mails. But no reply.

There is no escalation manager mail id for for further complaints in hdfc bank.

Please support for me regarding this.

I have all the customer care discussion recoding's backups with me.

If you required i will farward to you.

Thank you in advance.

Best regards,
Suresh k

Dear sir,

Unfortunately i am an hdfc customer who wanted to take a home loan from you but got stuck in the web of false promises and their consequences. By the end of this email, you will definitely understand and (May be) agree also why i am saying so. This is just an attempt by an ordinary customer to sort things out at the hdfc level within hdfc bank ltd before exploring the other options including rbi and consumer court. This could well come out as scam to get the customer's hard earned money to show the profits on bank's balance sheets. I hope hdfc bank will have patience to go through this mail.

Some of the basic details before proceeding with the exact matter: — branch details:

Hdfc ltd

No. 40 (Old no 1383/1384),

East end main road,

Jayanagar 9th block,

Bengaluru - 560069

Department applicable: home loan department

My details:

Parmar deval manharbhai

Hdfc loan approval - file no:[protected]

Mobile no: [protected] — the hdfc bank branch applicable (Or rather in question) is bangalore - jayanagar 9th block branch and employees are nisha ramesh, adi narayan and the branch manager (I dont have the name but i am sure you can easily find it out)

I had contacted mr. Adi narayan from hdfc bank (Jayanagar 9th block branch, bangalore) regarding my home loan needs during early october 2015. During the conversation, i was informed about the pre-approval home loan process which as per my understanding the process of loan approval before i have any property on hand to buy. As per the discussion with mr. Adi narayan, i can pay inr 11, 400 as a pre-approval loan processing fees. As promised by mr. Adi narayan, inr 2500 will be the deduction as the processing charges (So the refundable amount will be around inr 8900) in case of not opting for the loan.

As a part of above mentioned process, i paid inr 11400 on 28th of october through hdfc bank cheque (Which was further processed on 16 nov 2015). I had submitted all the required documents and loan of 15, 50, 000 was pre-approved as communicated through email on 19 nov 2015.

Due to my personal reasons, i did not want to avail the home loan and wanted to get the refund (Of around inr 8900 out of total processing fee of inr 11400) after applicable deduction of inr 2600 as promised by mr. Adi narayan.

This was the point when i realized the big mistake i had made by approaching hdfc bank. As the very first step, i contacted mr. Adi narayan who refused to agree on any possible refund citing hdfc policies. He never gave this information through email when insisted.

After ignoring my call repeatedly, one fine day i could reach him but i was told to contact miss nisha ramesh. (Ideally it should have been that hdfc bank contacts customer rather than customer is required to contact someone from bank in this scenario.)

I sent an email to miss nisha ramesh on 11-feb-2016. I got the reply on feb 15 with the details as "currently, if the loan is closed, the fees will not be refunded." this was totally opposite to what i was promised before by mr. Adi narayan.

When the communication continued on emails, as per another mail reply from nisha dated 24-feb-2016 6:54 pm, it was mentioned that "if property papers are submitted, fees for legal & technical are included in the same". I would like to bring to your notice that again this is not the case. This scenario is out of the picture tried to be depicted as loan was just in pre-approval stage and actual loan against any property was not borrowed. Property is yet to be purchased and the whole exercise is to speed up the loan process whenever i buy the property.

I decided to contact her in person at the branch where she tried avoiding me and kept me waiting for more than 2 hrs citing she was very busy. When asked about the exact details of the processing fee deductions, she told about no refund is applicable and refused to give any details for the deductions. (Please note that at this stage hdfc bank is saying me that no refund is applicable which is going to be proved wrong in just few seconds.)

I decided to approach the branch manager to bring this matter to closure.Initially, he also did not acknowledge that the refund is applicable. (Please note that so far refund is not applicable.)

Slowly he started getting angry and behaved very rudely saying he had other customers to handle as if i was not the hdfc customer. He said he did not know any adi narayan and get the money from him. It was a pathetic experience with hdfc bank.

When i became firm on my refund, then he became soft and started acknowledging the applicable refund. At the end, he agreed to pay inr 2565 which was also acknowledged through mail later on. He wanted to close the matter by forcing me to accept the offer of inr 2565 refund or told me to get out of his cabin. (Please note that now hdfc bank has changed its stand from no refund to some refund. I don't know how quickly hdfc bank policies change and at the discretion of the branch manager)

I have already confirmed with other hdfc branches that the applicable refund in my case is around inr 8900 and deductions are only of inr 2565. I do have conversation audios from the branches as well as from the customer care and can be produced if required to do so.

I would like to request you in a last attempt to sort this matter out and refund me my hard earned money.

Hoping to get this query resolved as soon as possible.

Thanks,

A frustrated hdfc bank customer,

Deval m. Parmar - [protected]

Hi,

I bought a online policy click2invest on 23rd of march, while buying the policy i selected for 5 years premium payment terms, but upon submission i realized its showing 20 years for premium paying terms also.

I have tried reaching the customer support to update this through mail and phone also, but they are simply ignoring and wasting my time so the policy lock in period is over.

Can you please help me in this asap.

my policy no. is 18328071

Thanks

I want to cancel the policy with Policy no[protected]/1, so kindly cancel the policy immideatly. The person who spoke to me regarding the HDFC isnurance misguided me that it is compulsory to take policy after that i came to know through my friend that it is not compulsory. i have the recording of that conversation with the HDFC Staff who misguided me so if the cancellation is not done then i have to contact the Insurance and banking ombudsman.


I have not signed any insurance policy papers and i only spoke to insurance people as the person misguided me


so kindly cancel my Insurance Policy and return me my money in the credit card

policy No.[protected]/1
Mobile no.[protected]

with regards
MD SADDAM ALAM