HDFC Bank
reviews and complaints

my hdfc account no is [protected]

i have deposited 5000 and dropped a cheque for hdfc..credit
card on 7th october 2009.

when the sufficient fund is available in the bank
my cheque bounced and a hdfc...credit card
administration taxed more money..
the failure of the bank has to carry the demerage
charges by its credit card...

immediate reply from bank on sms is required
my cell [protected]

Dear all,

I am n. Nagalingam, empno:68658 and my mobno:[protected] and my mail - id:[protected]@yahoo. Co. In. I was working in hdfc bank as a co - executive till 8. 10. 09. I got an offer in another life insurance company, but my reporting manager mr. Arvind vidyasagar (Cam) mob:[protected] who is not relieving from my duties and responsibilities and he is mentally harassing me by putting mail to my current hr to stop my joining formalities and he is pressurizing me to work till 10. 11. 09 so that the salary which i get on 07. 10. 09 with incentive they will be taking it seems. And they are without any corporate culture or ethics they are asking 3 blank cheque leafs and i have the sms that he has asked for 3 cheque leaf and the date in my mobile inbox was 07. 10. 09 at 8:39:39 pm. I told them that my cheque book is in my home town coimbatore they are pressurizing my parents to send the cheque book through courier on 8. 10. 09 at 11. 52. Am whether they are managers or hooligans i can't able to tell. I am going to persue my action by putting the mail to v. P of hdfc bank ltd, ceo of hdfc slic compliance cell and compliance to emplyee harassment cell. They have crossed thier limlit by cancelling the irda code. Irda certificate which i have passed the exam and who the hell are they to cancel my cartificates. This is nazism and if possible i will take legal action also. If any one studying this mail kindly help me in this issue and kindly give me some suggestion to clear this issue.

Pepole responsible for mental harrasment:
1. Arvind vidyasagar - corporate agency manager - [protected]
2. Ansari - corporate sales manager - [protected]

Address:

Hfdc standard life insurance
Tyenampet
(Landmark:near sit college opposite / voltas building)
Chennai
Landline:044 - [protected]

.Sir/madam

.I m poonam raghuwanshi working with HDFC BANK LTD.chhindwara (0910)branch m.p. as a senior sales executive 23 june 2008 and having salary a/c no is [protected] inthe bank.i have complaing that somebody has taken my a/c statement without my permission on my behalf.so how can the bank disclose my a/c details to any person it may cause my finicial loss or personal information discloser.it means my record is not safe in the bank.kindaly do the needfull and findout how and why it happen.kindley revert back soon or else i have to complain in police station and banking ombudsman scheme 2006.
REGARDS
POONAM RAGHUWANSHI
POST KUNDALI KALA
DIST
HINDWARA M.P.
480001
mobile no [protected]

I have used hdfc ban credit card which I have closed on october 2008 after a final settlemnt of 14000/-. Bank has mde 4 emi for this payment. But some how I could not made the payment on time however I made payment for 1200 / - every month from the above said date. Mr. Ankur a collection manger in lucknow has assured me the if I am paying 1200 / - per month for a given period of time my settlement will complete. However today I nreceive a call from011 [protected], [protected] saying that we are calling from delhi police. U have an outstanding of 37000/-. Court has issued worrent against you. We are coming to arrest you. I am under a lot of mental stress and so my family. Plz see this & trest it as an urgency.

I would like to inform you that I have cancelled my car loan account no. — due to personal reasons.

The same information was discussed with your office bearers and we accepted mutually that the loan account will be cancelled and I accepted to pay the cancellation charges.

However, I was surprised to notice today, the ecs was not de activated and there was dr. charges to my account, which is not unacceptable as I have already cancelled my car loan account well in advance to due date, this is going to affect my credit ratings, which is very important for my financial credibility and unacceptable ignorance from your personal.

I am not going to take any further action on the negligence from your official, provided this is sorted out at the earliest with no further damages to my account.

Please ensure this is sorted as soon as possible in best of our interests.

Yours truly,
Karthik

i have been missguided by the HDFC bank staff, kharghar branch for applying for credit card who has taken my signature on application form no: PB0021 8572 in july-09 month for maiking credit card on my name with promise thatcard will be delivered within 10 days. I requested her to give me photo copy of the aplication form after filling my detail and brfore processing the form. After 10-12 days when i visited the bank, she could not provide me the copy of the form as promised and said that the card delivery will be delayed for a month. As I had to shift my house following week, I written an application for cancellation of my card on grouds that none of her promise was comming true. the cancellation application letter xerox copy with bank stamp is with me. now after 3-4 months i have started getting calls from chennai and hydrabad offices of HDFC credit card that if i have recived my card or not? on contacting kharghar branch the concern person mr Sunil Pillai whom i have given the application for cancellation, he has provided me the ref: no: of my card issued as :09070620668190W1 but was unable to clarify why my cancellation application has not been processed. now eveyday i am getting 2-3 calls from chennai and hydrabad if have recived my card which probably has returened to chennai office as i have shifted my house.

none of the person mentioned above is interested in closing the matter by confirming me that my card is destroyed or cancelled.
it is evry day harasment for me to reply them and request them for solution but no clear cut way out is given by them. i wonder if my card is missused by some one, how to safe gaurd that?

naveen kumar gupta
khargahar, new mumbai
[protected]
[protected]@hotmail.com

I am holding a HDFC Bank Credit Card (Platinum) for many years but recently it was brought to my notice by the Bank that my DOB is not correct in their records and they cannot take my queries on phone banking.

When I asked the Bank how can by DOC be incorrect in their records, they told me that I have not submitted and DOB proof at the time of application and I should now submit a ID proof to get it corrected. (Id proof has DOB on them)

My basic questions to the Bank are:
1) How can my DOB be incorrect in their record? Is it my fault in filling the form?
2) At the time of issue of the card I did submit an ID proof. Why can’t bank retrieve those docs and fix my DOB.

I am ok to re-submit the docs but someone from bank should contact me and explain me what went wrong and answer my queries.

In this competitive environment bank should realize that this is not the only bank that issues credit cards.
I am really getting disappointed by HDFC to a limit that this may lead to end of very long relationship with them.

Refund of charges & ndash; joint account holder card (ac no [protected])

1. this is with reference to my holding of joint account holder debit cards for my account. the account no in reference [protected] is a joint account. it is navy pay account. being an erstwhile cbop customer, I have been holding the joint account holder card for my spouse from 1999. I have not payed any charges on this till date. post transition to hdfc view the merger has revealed through phone banking that I am to pay some charges for holding the same henceforth. the same has alredy been deducted. the following are submitted: -

(a) i had chosen cbop previously view certain facilities like no charges for add on card and so on.

(b) the add on card for our cases is a necessity as we in the forces are away from family for larger part of our time therefore requiring our spouse to have the privilege as good as the primary holder.

(c) the merger was not done with my opinion, wherein, I was not given the choice to continue or change my bank. so imposition of bank rules without my concurrence or without even informing about such rules is considered a serious breach of customer rights.

(d) this levying of charge is a change from the previous policy. i should have been informed about this change by your bank.

2. considering the above issue, it is noted with concern that such matters are causing harassment to me. complains regarding the same has been received from many other colleagues in the navy. as a customer, I have right to all details and information regarding all such rules mainly in such cases when the same is a change from the previous rules (previous bank). it may be noted that many banks do not levy charges on card of joint account holder.

3. i would like you kindly review this issue and request following at your end: -

(a) the charges be reversed immediately.
(b) all such issues which are a change from the previous bank rules be informed immediately.
(c) the decision on this be immediately informed.

4. the following other issues also are causing severe harassment wherein we are not able to contact the branch manager directly and the phone banking person could merely book a complaint or give vague reply as has been given by the person during my call to kochi on 17 sep 09 at about 1730 hrs. this needs to be addressed as well.

5. i have registered a complaint on this (complain no mum081106 dated 17 sep 09). I would request quick and positive response from your end at the earliest. I would be forwarding this complain to my navy office for information and necessary action as I feel and am sure this is in contravention to my customer privileges and rights.

6. in absence of any fruitful action, I would be seriously thinking of not continuing with your bank any further. the issue here is not of money alone but of the primary ethics of business and concern for violation of bank procedures and my rights.

7. i would also request a copy of the bank by laws with special reference of change in respect of rules as were applicable to my account (navy pay account) in cbop.

Awaiting a very early reply and resolving of this issue.

Thanking you.

Commander sudip gangopadhyay

Dear Sir,
>> I was having Saving A/c No. [protected] and Fixed Deposit A/c No. [protected] (Fixed Deposit for Rs. 25000/-)with HDFC BANK LTD> _ RAJKOT (Erstwhile Centurion Bank of Punjab).Now Bank had debited unauthorised Bank charges for non-maintaining of minimum balance im my Savings Account on 31/3/2005 Rs.660, on 30/6/2005 Rs.660/= and on 30/9/2005 Rs. 660/= for non maintaining of minimum balance of Rs. 5000/= eventhough I was having my Fixed Deposit account linked with this savings Account for Rs. 25000/=. A Reputed ? Bank like Centurioon BOP now HDFC is not attending to the Grievances of its distant small customer. You are requested to kindly help me in the matter please. Due to debit of unauthorised Bank Charges without initmation of increase of minimum balance in Savings A/c I had closed my savings A/c in September-2008. I had complained them also but all are in deaf ears.
>>
>>Kindly help me to get refund of unauthorised Bank Charges debited in my A/c.
>>Thanking you,
>>Yours faithfully,
>>Sunil Karsandas Makhecha
>>[protected]@yahoo.co.in

Dear Sir,

This is to bring to your kind notice that I am one of the victim of cyber crime and found it very difficult to come out from the situation. For that I need your help to save me or help me out from this hectic situation created in between myself and HDFC bank.

There ware some fraud transaction, happened on my HDFC Credit card account number [protected] in the month of September 2008. When I received the statement for the month of September 2009 and surprised to see that few suspicious transactions happened in my card account and the same was immediately inform to customer care cell of HDFC bank. I was assured by the customer care representative that your case will take at least a month to resolve. But I am very sorry to inform you that nothing is happened on that month to till today except to pressurize by the bank to clear the outstanding against my card’s fraud transactions.

After a month again few fraud transaction were again happened on my card account (Summery is attached for your reference) that clearly indicate bank authorities was not at all taken any serious note of this fraud happened again with me. Due to bank negligence I become the victim of cyber crime.

Getting in touch the bank again, the customer care department was advised me to drop a complaint in writing to my nearest drop box of HDFC ATM. I was dropping the same (copy enclosed). I was again surprised that one day bank executive called me over phone and requested me to clear my long pending outstanding instead of taking action on my written complaint sent by fax too, I was clearly denied the person of paying my dues.

After some time one day one executive from HDFC bank was visited my residence and threatening me of paying the amount, that is not at all bearable or expected from such a resulted bank of India. I once again clearly informed the representative that I am not going to lay anything to bank unless and until my case have not been clear by the bank.

After that very day to till today I have 100 of calls for clearing of my fraud transaction amount. Now HDFC bank started sending legal notices for clearing of the amount.

It is also bring to your kind notice that on Aug. 29, 2009 the HDFC bank Card division has illegally transfer funds form my Saving Bank A/c No. [protected] and debited the payment of Rs. 8, 279.59 without my consent.

It is also bring to your kind notice that fraud amount in the month of Sept. 2008 statement is Rs. 3, 592.61 & in the month of Oct. 2008 statement is Rs. 3, 906.25 and now comes to Rs. 13, 135.51 with the late fees and service taxes that is not at all justified.

Now I have no option left to trouble you to help me out and sort the problem in-between myself and HDFC Bank and save me from the harassment done with my by the bank authorities.

I am mentioning below the letter dt. 21/10/2008, which I faxed & e-mailed to the Manager Credit Card Division, HDFC Bank.

Issue:

I have noticed some transactions in my statement, which was not made by me. When I called your customer care number then executive told me that my card data is hacked, due to that it happens.

I registered my number for secure net banking afterwards it happens. I am listing down the details for the fraud transactions for your reference.

Statement Date: 19/09/08

Domestic Transactions

12/09/08 FCY CONVERSION MARKUP EE 1.59

12/09/08 FCY CONVERSION MARKUP EE 55.17

16/09/08 FCY CONVERSION MARKUP EE 64.22

19/09/08 SERVICE TAX: @12% 14.51

19/09/08 CESS TAX: @3% 0.42

International Transactions

09/09/08 ZELDASUPPORT.COM 45.53

12/09/08 PAY-CONVRT.COM 1, 576.27

12/09/08 ZELDASUPPORT.COM 1, 834.90

Statement Date: 19/10/08

12/10/08 FCY CONVERSION MARKUP EE 58.71

12/10/08 MEMBERSLA.COM 1, 920.91

15/10/08 FCY CONVERSION MARKUP EE 67.23

19/10/08 FINANCE CHARGES-RETAIL 148.24

19/10/08 SERVICE TAX: @ 12% 32.88

19/10/08 CESS TAX: @ 3% 0.98

11/10/08 PAY-HAIHOT.COM [protected] USD 34.62 1, 677.30

When I came to know that there is no solution on telephonic conversation, I started written communication through e-mail, these were on March 10, March 17 & April 18, 2009.

Reply received from bank official is listed below:

I received information from Bank executives that “As apprised in the earlier response, we wish to reiterate you that on receipt of a request from a cardholder for details or a copy of a particular transaction, we in turn liaise with the concerned Bank for the same. Such requests are bound as per Visa/ MasterCard guidelines and the other bank is not liable to respond to our query should the dispute be referred beyond the specific time frame."

We observe from our records that we were not in receipt of any written instructions as on date towards the disputed transaction.

As you would observe from the reverse of the statement, all disputes should be communicated to us in writing within 60 days from the date of the statement which contains the transaction in question. We wish to inform you that our records do not indicate receipt of any written communication from you seeking clarification on the above charges. In future please refer any unrecognized transaction / charge to the bank immediately, as this will enable us resolve the issue to your satisfaction.

You can understand from the above contents of the answer given by HDFC bank that clearly shows that the fault is from my side only, on the other hand I have already informed the bank about disputed transaction on my card account well within the time.

So I request you to help me to sort out this issue between myself & HDFC bank at earliest & oblige.

Hoping for an early and favorable action from your end.

Thanks and regards,

SANJEEV GUPTA

A-90, Ist. Floor, Balaji Kunj, Chander Vihar,

New Delhi - 110092

MOB: [protected]

E-mail: [protected]@yahoo.com, sanjeev.[protected]@geipl.com

Hold my saving a/cs funds by HDFC
Hold my Saving a/c funds by HDFC
Hdfc Saving account no [protected] got hold my funds by hdfc credit card division.

Hi Indian Consumer Forum.

My HDFC saving account no [protected] has been locked by HDFC creadit card division.all my accounts funds goes on hold. I am not able to do any transaction.

I called lot of times to credit card division of HDFC bank, but they are not responding & not gave me right information.they are misguide me.

They have applied lot of unusual amount on my credit card, lot of finance & services charges.

I am getting in Problem for my daily transaction.

They applied me 40000/ rs amount, but I have used only 40% amount of credit card.

Please help me regarding release my funds, which is hold by hdfc credit card cell.

Regards,
Pankaj Sharma
Sales Head,
Amar Ujala Publications ltd.
Dharamshala, HP
[protected], [protected]

i applied credit card from hdfc bank through website on 4-sep -2009 and i got a call from hdfc bank on 06-sep form [protected], person said give me all your ac deatils and i will send a perosn at your home address . but no body came, and next days from same number some other perosn called me and taken all the detail along with office address and said i will send aperosn at your office address. i was prepared with all the docs but again nobody came to collect it . from that day i am getting calls every day from same number and using absured languag. but no body is coming .
so kindly help me i am scared that nobody misuse this information .
Please Contact me on [protected]
mail id [protected]@metlife.com
Regards
Vikas Saxena

(7 days eye washers)
Sir,

I applied for a personal loan in hdfc bank in chennai branch and submitted all the documents required to them through an executive in hdfc bank. when I gave all the documents I was said that within 7days my loan ll be approved and the money ll be credited and I am happy enough.
as I believed them firmly I waited for a week and then called the executive, he said me that today verification will be over but I was said the same answer for three consecutive days. and when I inquired a senior manager about the status I was damn shocked since he said me that only when the credit section says ok the loan ll be approved.
I thought my loan was confirmed and made some arrangements but still I dint get it approved and as its too late I couldn't move to another bank so I am arranging the money through my friends.
so friends pls be aware of those fraud eye washers and do arrangements only after getting credited the money they may turn aside at anytime.
only god can save all our section of loan seekers

Hi,

Myself Manoj Bhattad, customer of HDFC Bank. I encountered a bug in online complaint through Grievance-Redressal Customer Centre of HDFC Bank. It doesn't accept the complaint even though all the fields are inserted correctly. It prompted error that Check Complaint/Feedback Query. This option is selected from combo-box drop-down. Now tell me, option that selected from available choices; how its going to be wrong.

Somethimes I think, they deliberately leave such defects so that there wouldn't be more no. or rather any complaint for redressal. Similar defect I had addressed in ICICI Bank website for online customer complaint. There was more funny item. Even though if we entered all the fields properly, "Submit" button remained disabled. Actually they dont want us to register any complaint

I have not seen such a deliberate harrasment by any service provider and particulary a bank such as HDFC Bank

Thier rep are bid to tourcher and give mental pain as much as to the customers - they are least bother and they dont have any wish that frastrated customer even if go and said this to multiple others.

Not even me i come across many who have been royely screwed up by the such a pathetic service given by the bank.

For one loan closure they have trouble as much as possible and took 4 months to complete the process. Neverthleast they misplaced high amount Rs.28L cheque and didnt have any answer. thier so called unmannered girls rep who deal with loan dept are trained to behave rudely with customers and asked to not to extend any help to custmers

oooof for god sake dear friends pl think before you approach to hdfc bank

[protected]

Hi,

This is to bring your notice that, I have an account with HDFC bank from past 1 year, which is again a corporate account.where bank has given an approval for 1.27 lacs pre approved loan.When i have applied for the same they have disapproved my loan, stating that you had made delay in payment in the year of 2000.For that reason we cannot issue the same.Currently I have taken a House loan & Personal loan from other banks. Are these banks sleeping when tey were issuing loan.My only question is with the bank that if they can provide me loan why not my own bank.

Regards
Sukanto
[protected]

This is to state that the behavior of Ms. Neetu Chadha, the Branch Manager of Noida Sector 18 HDFC Home Loans, is simply outrageous. She doesn't seem literate enough to handle customers. Irritated with her behavior we have repaid the outstanding of our loan. Moreover she tried to cheat us by quoting a wrong amount of outstanding. I think if my grievences are not adhered to, I would highlight the matter to all forms of media. I have proof in the form of print outs from HDFC, where a wrong amount of outstanding has been shown. After challenging her she allowed us to speak to a colleague of hers based out of Munirka Delhi Branch, Mr. Rajeev Joseph (who was extremely courteous, his off phone no. 011-[protected]) and he resolved the issue. This lady is so uncultured that she didn't even bother to accept her mistakes and was extremely rude. It seems that hers is the only voice heard in that branch. My husband and I have HDFC accounts since a prety long time, and we are contemplating closing the account. I don't believe that with people like Ms. Chadha on HDFC payrolls, customers should be feeling safe. Let me know if you have a framework of tackling such grieveces. I would wait for 2 weeks to get a call form your org, failing which we would escalate it to higher levels.

This is to bring to your kind notice that HDFC bank has debited a sum of Rs.827.25 on 09-07-09 citing that I have not maintained adequate balance in my subject savings account.

Please note that I also had a fixed deposit a/c in the same bank (Ref Account No : [protected]) where there was a clear balance of Rs.8016.56. Since both the accounts were interlinked and also had a sweep in facility attached to it, bank's claim of non maintenance of sufficient balance in my savings account does not arise.

The subject account was a corporate salary account opened by my previous employer in the year 1999 and since then I was having banking relations with HDFC Bank and had number of fixed deposits with them. I was compelled to close this account only on 27-08-2009 since I was unsatisfied with the service rendered by the bank. Bank also has not informed me while converting my Corporate Salary A/C into a normal savings account when I left my previous job and joined in a new company.

I seek proper justice on this issue.

sir please help me i am not getting sleep. with trocher of collection & recovery people i am not having any job they are asking to pay the paymet for credit card when that time they told only on salary base they have provided the card but when i am not having income source then how can i pay the pay ment please help me. one more important thing is my mother is hart patient

25th August, 2009

How the Branch Manager Ms. Gayatri Krishna Rao of the “Churchgate HDFC Bank Branch” has been harassing us, for what- just to close the Saving Account of one of our family members (deceased) for so long, coming up every time with a new cooked up illegal and unethical demand.
BRIEFS

(1) After the sudden demise of one of our family member, we applied for the closure of the saving account (SBA). HDFC phone banking said - A simple application letter + the Death Certificate would suffice the purpose. We submitted. No result.
(2) On reminder, this Gayatri asked us to submit the Closure Form. OK. We again submitted our second letter + their Closure Form + the Death Certificate too, to their staff Mr. Kaushal Saiya on 10th June, 2009. Nothing happened.
(3) We lodged our grievance to their Phone Banking Services. We were given the complaint no. “MUN-054906” on 24th June, 2009 by Ms.Meena of HDFC. Again nothing happened.
(4) We again spoke to HDFC Phone Banking Services- Mr. Prartik & his senior Ms. Shilpa only to face all the vague answers.
(5) We pointed out to Gayatri that this SBA (with OD facility) of the deceased person could be misused by any miscreant. Hence the SBA ought to be closed immediately without any further manipulated delay. But this Gayatri remained too adamant.
(6) She cooked up a new excuse and said- SBA could not be closed as this SBA is linked with FD and these two could not be separated. How ridiculous.
(7) We have categorically mentioned in our closure application to de-link these FD with SBA and close the SBA.
(8) These FD were linked to SBA on our request only and thus could be very well de-linked as and when we want; as such a link is never mandatory but totally optional for the account holder.
(9) To authenticate the fact, we inquired with several banks and submitted the reply of the top leading bank SCB, categorically saying- “FD link with SBA is purely optional and could be de-linked any time as per the account holder’s wish.”
(10) ON this, Gayatri had to keep quiet over her illegal refusal to de-link FD & SBA.
(11) We reported the matter to Media. And thus being frustrated, this Gayatri demanded a heap of unnecessary documents from us with hell of the tedious formalities as follows.
a) ID & address of the Claimant & ID proof of Legal Heir
b) 2 Guarantors required. (Should not be relatives)
c) ID proof & latest Salary slip or IT returns copy of the guarantor.
d) Letter of Indemnity to be franked for Rs 300/-
(12) We clarified categorically that all their demand are totally illegal and unethical as they demand to follow heap of tedious formalities with Rs. 300=00 stamp paper; while the balance in this SBA is Rs. 13=71. (Thirteen rupees and paise seventy-one only.) Hence we have forgone our claim for this trifle amount.
(13) And for closing the SBA, the needed closure form and death certificate were already submitted to them hundred times. NOW- WE GOT NO REPLY from Gayatri as it seems she has fallen short of any more harassing dirty tricks.
(14) We emailed our grievance to “HDFC Grievance Cell”; under the Subject head as -“HBL=[protected]- Hell of the harassment & trauma created by this lady in each and every of our case for so long.” The ref no. allotted by HDFC GC was “A51891070”.
(15) And then what these people have done to us. They made a mockery of our grievance.
(16) “HDFC Grievance Cell” said- WAIT for 5 working days for our reply. And then, after 5 days on our reminder, they again said- wait for further 5 working days. And after the next 5 days, they said- wait for the next few days. And their such demand to wait further and further is still going on since 11th July, 2009
-R K Agarwal. Mumbai.