HDFC Bank Complaints & Reviews

I have a salaried account in HDFC Bank. At the time of opening account, they came to my company and gave full assurance that they will also provide credit card to us. But when I, along with some of my colleagues, tried applying for it, they are continuously degrading us by saying that U are not economically stable for credit card. First time, they rejected my application saying that I do not have proper residence. But on my actual application when I saw it, was written there as "INCORRECT MOBILE NUMBER", although cont. no. was correct. Here, they were trying to misguide us as well by giving improper reasons. When I told this to HDFC agent, he again told me to reapply for it, this time I took utmost precaution and checked my application does not have any cons and shouldn't get rejected. They came for physical verification as well and approved it also.. But again, , I received a letter saying my application again got rejected. When tried calling Customer Care and asked the reason about the same, they dont even want to tell me the actual reason for the rejection. Just telling us to reapply for it after 6 months. I dont know, this is how they behave with their valuable customers. We all are planning to lodge a complaint regarding this to our Company's HR dept and dismantle their services from company.

Need urgent help on this. My application reference was: [protected]S3 and Customer ID is: 53789476

I had purchases worth 40972/- in the month of Jan 2013, however due to an error on my part I paid 35992/-. In the bill of feb 2013, I was charged a finance amount of 1702/-. I placed many calls at the call centre and finally having got through to an executive I explained the issue. He helped me realize the shortfall of payment. The executive told me that the finance charges were levied on the entire outstanding bill amount. My argument was that the finance charges should be on the outstanding amount and not on the entire bill as that amount was not even due to the bank as yet. However I accepted my error and agreed to pay the shortfall amount of Rs 5000/-. I also made a request to reverse the late fee etc. The executive agreed and told me that he will put in a request.

However on seeing bills of the following months I saw that the finance charge and late fee charged was not reversed as promised and had now multiplied. I made repeated calls to the call center to resolve the issue but to no avail. Infact the reversal of finance charges requested in March was done in the month of July, however since then the amount had mounted and was much more than the amount reversed. The delay in processing the request by the bank has been penalized to me.

I continued to make repeated calls to the call center and tried to get this issue resolved. But all the calls led to no resolution and the amount has kept mounting since then. Since following up on phone calls was tedious and I had no record on my end, finally I resorted to writing emails to the grievance redressal since the month of June 2013 as well. The responses to my emails have taken up to two weeks or more and often have been incomplete without understanding the issue. I have sometime just been sent a set of statements with no information which has only led to loss of time again and again on the behalf of the bank.

On many occasions I have also written that the delay in response to my queries leads to overshooting of my payment date but all this is to no avail and the sense o[censored]rgency has been only on my end. On many occasions I received calls from people from the bank promising to resolve the issue but they never ever got back. I was given email id’s of supposedly senior people at the bank who rarely respond. Ofcourse not to mention the harassing calls made to me by the collection agents. It is difficult to get through the call center executives and sometimes require a waiting time of 20-25 mins. I have occasionally had to disconnect the call in frustration.

I have also had a visit from the recovery agent to my residence which in my understanding is unlawful.

I would also like to put on record that I have been a long time user of the HDFC credit card and have never had such an issue and because of my good payment history I regularly been upgraded in my credit limits etc. I have usually been a heavy user of my credit card and always been regular in making payments.
On this current issue I would like to mention that I have made a payment of every single rupee transaction I have made using the card. The only outstanding amount that shows up on the card is the mounting latefee and finance charges which are unreasonable as it due to the unresponsive or late responses on the part of the bank. Infact I have also paid the Rs 150/- transaction fee for redeeming my points as well as the last late fee in the month of Nov/Dec 2013.

Please help me regarding this issue.
Manisha Dua
email: [protected]@gmail.com

DEAR SIR,

my self Kamlesh Shrivas empoliye code 81426 i am working sales officer in your bank Ihave resion my post form 9 june 2011 plese provide my reliving latter and send to my home addres
My full and final satetment not recived in me so please provide its urgent

Regards


kamlesh shrivas
vill sagar
mo [protected]

Dear sir
I had applied to hdfc bank for car loan and after all conversetion and taking all condition in written i finallised the loan from them and after gettin approval letter i took the car and after 2 days they suddenly added a unknown policy premium to my loan amount and rised the intrest rate by 0.55%.

Dear Team, This is about how HDFC has been charging me and then tricked me. If yes, would you be kind enough to tell me why there have been so many deductions in my account # [protected]. I have not used that account in years. I have sent multiple emails to you asking to close the account. If I visit a branch they tell me that I have to get my bank account transferred to their branch and then only they can close my account. Then you put my account into negative by penalising me. Your team lied to me by saying that if I deposit money then they will waive the negative amount and I can maintain the minimum balance and there won't be anymore deduction. So last week I put 15K into the account. The negative amount got balanced and your team didn't help. Now you have been charging me with something like the below every two days. Soon my account will go to negative again because you keep feeding yourselves on my money like a leech. Is there any difference between you and the extorters ?? Do you have any idea about when will you stop this harassment and cheating? Regards, Sujit.

Dear Raj Singh/Shikha

As per telephonic talk with Ms Shikha regarding my loan ref no.29438502,
you have set my due date 04 of next month but i want it to be changed
from 4th to 7th of Next (Every) months


.Thanks &Regards
Uma Shankar sharma
moblie no.[protected]

In my case misbehaviour is an understatement, the customer care agents were not only rude they were crass. They were talking to me in the most informal tone and as if I am their servant. In fact I don''t even speak that way to my maid and car cleaners. I got a call from the no. [protected] which was supposedly from the Janakpuri Branch. I spoke to 3 different people- a lady Avanti, a Senior Manager Rajat Bhatia and a third person who did not disclose his name. I am late in making my payment due to some personal reason and for that the bank has already charged late fee an finance charges which I have accepted. Now they call me everyday and when I told them a chk has been dropped this woman says chk toh ATM mein pada rahega cash nahi dal sakte the?? is this how u speak?? and this unknown person has was the rudest of all he says "Tumahre jeb mein paise hain?? jeb mein paise nahi hai toh card leke kyon ghoomte ho? " I mean just look at the language and other than that their tome was so bad it was a total verbal abuse. Irrespective of what the person''s background is in real life as long as he is calling me as a bank''s representative I am the customer and he HAS to respect me and speak cordially... How dare he take that tone kya kar logi and all... the agents literally lick our feet to open an account and once we do are they supposed to treat us like crap?? I really want something to be done and rest assured I will take up this case and spread in as many forums and social media I can...this is not done.

Hi

I worked with HDFC life as a SDM for 7 months during 2010 and 2011 and than I left the job till the time I am asking to them give me my PF number and every time they are avoiding it. So please help me.

Regards
Mohd Shahid Bhat
[protected]/ [protected]

Dear Sir, I am having savings account with HDFC and I have never been intimated about these AMB changes. Since one month I see that they are deducting 516 RS every alternate days. As of now they have deducted more than 8k. I have now transfered all the money to other account till the disoute is settledown. Please see the below audit. ug 2014 IB FUNDS TRANSFER DR-[protected] 26 Aug 2014 19, 259.00 562.2025 Aug 2014 AMB CHRG INCL ST & CESS FOR MAR2014 25 Aug 2014 561.80 19, 821.2022 Aug 2014 AMB CHRG INCL ST & CESS FOR FEB2014 22 Aug 2014 561.80 20, 383.0018 Aug 2014 AMB CHRG INCL ST & CESS FOR JAN2014 18 Aug 2014 561.80 20, 944.8018 Aug 2014 AMB CHRG INCL ST & CESS FOR DEC2013 18 Aug 2014 561.80 21, 506.6016 Aug 2014 AMB CHRG INCL ST & CESS FOR NOV2013 16 Aug 2014 561.80 22, 068.40001 Apr 2013 Credit Interest Capitalised 31 Mar 2013 3.00 155.32 I need to understand how can they deduct the money without even intimating the customer, I get so many spam mails from HDFC, why can not they send the right information. More over when I had a problem with the super saver account I had called HDFC customer care and complained about them when it was opened and the customer care representative told me that it can be used as zero balance savings account. Now I see that they are harassing by randomly deducting money. Please guide me in taking this forward, as I dont want to loose money to these online thieves. Thanks. Harsha

Hi Sir, I took a vehicle in 2003 which has been completed. I wanted a NOC as I want to sell the bike. Could you kindly provide us the NOC. Vehicle no KA35 - J - 9228 agreement numebr - B59676. Kindly send the NOC to below ID [protected]@gmail.com Ph no - [protected]

Dear Sir, With reference to the above subject I was cheated by HDFC Life Representative, Pls find the below conversation... Dear Mr. Khan, We refer to your email dated July 06, 2014, pertaining to the policy mentioned above. We have done a detailed investigation of the facts presented by you and wish to share the following: We would like to inform you that the policy document provided to you contains a copy of all the documents signed by the policy holder giving us the consent to issue the policy. Policy related communications such as Premium Notice and Lapse Letter have been sent to you. The features of the policy are also explained in detail in the policy document. On conducting an internal assessment of your complaint, we have concluded that all the features and details of this plan were explained to you at the time of taking the policy. Given the above facts, this case cannot be treated as a missale. As we have not received your cancellation request within the 30 days free-look cancellation period, we wish to inform you that we are unable to process a refund of premium paid towards your policy. Further, please find the details regarding the free look provision mentioned under ‘Option to Return/withdraw’/’Cancellation in the Free Look Period’ section of your policy document. We confirm that as of today the policy is in ‘Lapsed’ status due to non-payment of renewal premium which was due on December 06, 2013. Hence, we request you to pay the amount as mentioned below: Details Amount (Rs.) Outstanding Premium 97003/- Service Tax/Education Cess 1503/- Revival Charge 281/- Interest Amount 7178/- TOTAL 105965/- This revival quote break up is valid for a period of 15 days from today’s date July 21, 2014. If you pay the outstanding premium online or opt for a Direct Debit mode for paying your future premiums then the revival charge of Rs. 281/- will be waived off. Please find the attached Direct Debit Mandate Form which you may submit along with your written revival request. Kindly visit our website www.hdfclife.com to know the process for online payment and our branch addresses across India. Further, please submit a Personal Statement of Health along with the above request. We assure you that the above resolution has been provided after due consideration of all facts and findings. Insurance being a long-term contract, it is advisable to continue the policy till the end of term to reap the full benefits of the plan. Assuring you the best of our services. Warm Regards, Rohit Kanojia Customer Service Officer In case you are not satisfied with the above decision you may contact Mr. Ravi K Chikkam within 8 weeks of receipt of the resolution communication at any of the below mentioned helpline. Failing which we will consider the complaint to be satisfactorily resolved. Write to Mr. Ravi K Chikkam at 11th Floor, Lodha Excellus, Apollo Mills Compound N M Joshi Marg, Mahalakshmi, Mumbai – 400011, Maharashtra Alternatively, e-mail us at [protected]@hdfclife.in addressing to Mr. Ravi K Chikkam [protected][protected][protected][protected][protected][protected][protected][pr...⇄ Regarding the below trail mail I could not get any kind of response from you. At the time of taking policy Company Representatives and officials came to me for many times, but after taken policy and having issue and problem either of the people is not responding. Is that I made mistake for believing the Private Organizations and HDFC Group and its Staff. Don't you give response and caring for the existing policy holders? I was cheat by your company representative because of his unethical practice and lack of your company mechanisms. Again and again I am requesting that your representative was taken signatures on empty form confirm that it was singly payment policy, I was not filled up the Application form and I have not get any confirmation or welcome call from the company regarding the confirmation of the policy details. Request you to go through the below trail mail and respond to my concerns. PALLERAHIM MUSTAFA KHAN [protected]

Sir, I have taken two equipment loans bearing Nos.3370175 and 17932623, the said loans are closed. But, they have not returned my original Invoice and not issued NOC till date. Since, the said NOC is urgently required by me, I have requested repeatedly, But, unfortunately Mr. Srinivas Bhaskar( Mobile No. [protected]) refused, without any valid reason. Hence, pray you to kindly look in to the matter and instruct HDFC Bank to issue NOC immediately.

A copy of loan statement for last nine instalments report generated in on line banking account is attached herewith for your immediate documentary evidence and request you to kindly do the needful.


Regards

TVS Prasad

HI
Sir/mam

with out my intimation my amount has taken from HDFC A/C OF ASD charges more than 3500rs

24/8/2014 393.26rs
20/8/2014 393.26rs
20/8/2014 393.26rs
16/8/2014 393.26rs
16/8/2014 386.11rs
16/8/2014 16.85rs
24/8/20104 16.85

pls credit my amount 3500rs
in
my HDFC A/C no:[protected]
my debit card no:[protected]
my emailadd : b.[protected]@gmail.com
pls do needful for me, i am from poor family, i need money...

Hi I am holding HDFC credit card. Now i want to close my card. when i called customer care they said that the form is available in HDFC site however i could not find such from there can you please help me in sending the form to my mail id rahulreddy.[protected]@gmail.com so that i can cancel my card Regards Rahul Reddy.

Hello, HDFC bank is charging me AUTO PAYMENT charges from last 1 year without my permission. I have not start auto repayment on my credit card and whenever I called their call centre, they giving me answer that they will callback in 24 hrs.But I did not have any single callback from them. I am not going to pay any AUTO PAYMENT charges to them. One of their customer care representative have also told me that these charges would be reversed but nothing was happened and my payment amount is increased by HDFC from Rs.900 to RS.3500.I have also all recordings of their representatives. So, do please needfull ASAP. Thanks, Sandesh Gavhane

My name is Abhinav Purwar and i have a personal loan with HDFC bank. I have paid 13 EMI and due to my financial difficulties i was not able to pay it from past 9-10 months . i have every intention of paying it but my situation is not i can pay it right now. and because of which my account has been transferred to the collection agency. Now the collection agent named Akshay and other recovery agents from hdfc bank started calling me i in formed him my situation but he kept forcing me some how i arranged some money Rs 1500 to pay him and told him that i will start paying it as soon as i can he again started call me for the same not ready to listen anything and forcing me to pay. i couldn't answer his few calls and he started calling my married sister and her family( which is a serious violation of RBI guidelines) i informed him not to contact my sister or her family as its a violation of the law. He agreed and said we will never contact you sister and her family ...after a month or two he again started calling my sister and his family member who has nothing to do with me and started harnessing them stating he don't know who we are and we will do this and that. i called him again today he started being disrespectful and when i told him that you have violated the law again he said do whatever you want to i will continue doing this and keep calling your sister and her family and everyone. He also stated that bank supports such illegal collection activities. He kept calling me repeatedly again and again and also my sister and brother-in-law and his family also called my cousin and informed him about my debt. I emailed banks loan support and i haven't got any response from them yet its been 3 months and they also threatened my sister and my brother-in-law that he will send police agianst me creating the panic her family.

I have an SB A/C [protected] in HDFC BANK (+91 [protected]) and I have transferred Rs 1000/- using IMPS on 25th Aug 2014 at arount 4.00PM to SBI SB A/C:[protected] Padmarao Nagar, Secbad. The IMPS Ref No[protected]. Amount debited from a/c but not yet credited to recipient. I got message that it timed OUT and status shows in my Netbanking as Transaction Initiated. .Either initiate the Tranc or refund the money into the account. Please...

Hi

I have an account in HDFC bank Saliyur Branch, It was Dormant account. Till July 2014 the account balance is 0, but suddenly They started make charges into my account continuously 4225 rupees for not maintaining minimum balance.

" Dear Customer, The balance in A/c No. XXXXXXXXXX4936 at GURGAON - MAIN BRANCH - SECTOR - 14 as of 23-AUG-14 is INR -3, 589.89 . You have received alert by subscribing for Banks InstaAlerts . To unsubscribe/ modify alerts login to Netbanking or visit nearest branch . Check A/c for current balance . Credits in A/c are subject to clearing . For any queries write-in to [protected]@hdfcbank.com Use the Locator feature on HDFC Bank MobileBanking...

Deasr sirs,

I was using my hdfc bank debit card no[protected] at

An axis bank atm [atm id cwac21104, dt 23-8-14, 15.17 hrs, and record no of withdrawal 7289

The machine flashed after swiping the card and performing necessary transactions 'collect your cash'', but then,

No cash came out.

Again, the machine flashed 'transaction declined', but the amount of rs 3000/ already

Got debited to my hdfc account.

On taking up with axis bank, they have advised me to take up with you.

You are requested to do the needful and regularise the amount debited to my account.

Regards,
V.Srinivasan
Hdfc bank cust id
3589960