HDFC Bank

Sir, I am having HDFC Credit card and as usual they are charging exhorbitant interest charges, penal charges and all sort of expenses etc., . When I am asking the representative for closure of card they are not willing to, rather they are misguiding me not to close the card, as it will be reflecting in CIBIL and ur credit rating etc.,
This shows that they don't want to close but sqeeze the consumer and on top of that they are talking all sorts of non-sense when they are trying to contact.
Secondly, they refuse to divulge any information with regard to their customer, but for recovering the amount they call to my wife, children, friends etc., for non payment.How can they do so.

Hi,
My name is veerabhadradra rao kaki, working in a private company hyderabad, i have two accounts in HDFC Bank, savings and salary account, the account numbers are
[protected] - Savings Account
[protected] - Salary Account

I opened my HDFC savings account [protected]) on dec 2011 and i applied for Credit Card through online reference no: 11112518958250S3, after that i got a call from hdfc executive saying that i have to submit the salary slip, address proof, pan card and contact details through courier or hdfc bank to the head office chennai, then i sent all these documents through courier and through hdfc bank also but i didnt get any response from the hdfc executives and i sent those documents five times to chennai head office, and i call to hdfc credit card department executives so many times they are not answering my queries and upto 2 months i called to them but they said my credit card request was rejected, i asked "whats the problem i sent the documents what u said', then they said we are unable to process and after they didnt respond to my calls.

In May 2012 i opened my salary account [protected]), this time i went to my local branch to apply for credit card reference number and consulted the credit card executive, i filled and submitted the documents what they want and i gave address proof, salary slip, and my company contact details, after 1 week i got a call from hdfc executive and enquired my birth details and company details, and they called to my company and enquired, they got all the information and called me back and said "sir we got the conformation form your company and your address proof is also correct with in few weeks we will process your credit card", after that i saw the online status it was rejected, then i called to the executive(040-[protected]) and asked why it was rejected they said " sir we are the third party agency for HDFC BANK, we dont know why it was rejected, but we got the correct information form your company as well as your address proof" and i went to my local branch and asked the executive he checked the status and saying we to dont understand why it was rejected, so many times i contacted the executives and enquired about my rejectyion of credit card, they are unable to answer why it was rejected.

Even though i am submitting all those documents they needed, and their third part agency executives also enquired about my side was true information, they rejected my credit card request, the executives in hdfc banks are not giving proper response, every time iam calling they are telling we dont know, we dont know.

So please solve my problem, and get the credit card request approved.

Regards,
Veerabhadra Rao K
Mobile: [protected]
badri.[protected]@gmail.com

Hi,
This is Swaminathan Sriram from Chennai.

I have recently got the HDFC Ergo policy with my hdfc Credit card. After i received my card, i got the call for this policy. I was told whatever sum I pay as premium, it will be tax free, I can understand that it only provides exemption not a rebate. I have called them to cancel the policy, but they said, it is processed and cannot cancel by that time. I would like to cancel the policy because my company is already providing insurance. so, Please cancel the same and debit the amount back to my credit card.

Total amount debited : 18831.00

After checking sms message, i came to know that they have put two policies which i am not aware of. Please cancel the both at earliest.
LAST 4 DIGIT OF MY CREDIT CARD:5994

please find the details below:
Policy Number - HN22062012000365 A
HDFC ERGO - Medical Insurance Policy : [protected]
HDFC ERGO - Personal Accident Policy : [protected]

Kindly do the needful by cancelling both the policies at the earliest.

Thanks,
Swaminathan Sriram

Case 1:
I, Mr.Anish Paul is maintaining an account in HDFC Bank Acc no:[protected] since 17/12/2011 at HDFC Bank, Vadavalli Branch.I wish to inform you that I was unsatisfied with the banking operations which I faced and the lathargic response from the staffs at HDFC Bank, Vadavalli.
I had presented two USD cheques in the month of February worth 300$ and 110$.The bank had informed us that it will take 21 working days for the cheque to get cleared. But we came to know that 110$ was cleared on 13/3/2012.But when enquired about the 300$ cheque, the then teller Mrs.Vidhya by looking at the computer repeatedly said us that the 300$ cheque was not cleared till 17/4/2012, eventhough we approached many times after the maturity period of 21 days for the 300$ cheque. Mrs.Vidhya also communicated with us that there might be chances for Mr.Satish Paul to re-present the cheque, also added they shall confirm on the same day whether to re-present the cheque or not.
Knowing this situation, I had e-mailed by brother on 17/4/2012 to re-present the 300$ cheque.I came to know from my brother that the 300$ cheque was already cleared on February 7, 2012 at Kanjur Marg, Mumbai.I am attaching the cheque for your reference.

On the same day the then teller Mrs.Vidhya informed us that the cheque was already cleared on 28/2/2012.When enquired what was the reason that we were dragged for 2 months to know about the cheque status, she replied that there was an error in the computer.
We had brought this situation to the Branch Manager Mr. Subbaraman P K on 18/4/2012.He had also sent an e-mail cc to my brother Mr.Satish Paul regretting for the inconvenience caused.I have attached the e-mail for your reference.

As I was unsatisfied with the service at the HDFC bank, Vadavalli branch.I complained at the Trichy head office of HDFC bank. By communicating with the Vadavalli branch, the staff at trichy bank informed us that as Mrs.Vidhya was resigning from the job, she had miscommunicated with us knowingly.
Problem:
Eventhough the statement of accounts shows that the cheque was cleared on 28/2/2012, I feel that the amount has not reflected to my account.
If it was cleared on 28/2/2012 why did the bank refused to pass the information that the cheque was already cleared?

Case 2:
I had received a cheque deposit from Ranchi of Rs 85, 000 on 23/5/12.I also received a sms alert from TD-HDFCBK that “Amt of INR 85, 000 deposited to A/c XXXX2947 towards CHQ DEP-MICR CLG-HINOO Value 24 May, 2012.Cheque credits subject to clearing.”
I had presented a Self cheque of Rs78, 700 on 24/5/2012.But I was refused to receive the amount as I had insufficient balance to be withdrawn.I am attaching the cheque for your reference.

At noon, 25/5/2012 I had called the Vadavalli HDFC branch to enquire about the uncleared cheque of Rs85, 000.I was informed to call at 5pm, as advised I called at 5pm, they said that the cheque was not cleared.But as I insisted them to present me the Statement of Accounts, the next moment they themselves called me and informed that the cheque was cleared.
Problem:
When seeing the Statement of Accounts, it is visible that the Rs85, 000 was cleared on 23/5/2012.I have also read “Closing balance includes funds earmarked for hold and uncleared funds.”, on the statement of accounts.
I feel now that eventhough the statement of accounts shows that 300$ was cleared on 28/2/2012, there may be some error that the 300$ was uncleared till date.
Once I took the mini-statement on 25/5/2012 from HDFC ATM at Vadavalli, it is showing CHD C 85, 000 on 23/5/2012.
I would like to know what do you mean by CHD C?
My ultimate worry is that in Case 1 the Bank clarified me by showing the Statement of Accounts that the 300$ cheque was cleared on 28/2/2012.If this is the case by seeing the statement of accounts I should also have been paid Rs.78700 on 24/5/2012 itself.
Eventhough the statement of account shows that Rs.85000 is deposited to my account on 23/5/2012 I would like to know why there is a delay in encashing it.
If you clarify to say that outstation cheque takes 3 days to clear why is the Statement of Accounts showing Rs.85000 is cleared on 23/5/2012.
I do not want to know when my 300$ cheque was SUBJECTED TO CLEARING.I want to know when was the 300$ cheque encashed to my account.
Statement of Marks showing 300$ Cheque was cleared on 28/2/2012

Dear Sir,

I am a zero balance salary a/c holder in HDFC Bank Ltd, Damodar building, GR FLR, Swatantra path, Vasco=Da-Gama (Goa) and my SB a/c No.[protected] and has been operating the a/c for the last two years. It is observed that a sum of Rs.24.09, 110.30, 112.36 (3rd party cash txn (Mar/Apr/May 2012) & Rs. 9.62, 376.43, 393.26 (AMB CHRG) Total =Rs.1026.06 has been debited wrongly from my said A/C.. As such, please revert back the above said amount to show the actual credit balance as Rs.1044.01 including Rs.17.95(present balance amount). At present I am away from Goa on study leave at Kerala and will be back after 3 months.

In view of the above, I hope you will co-operate with me for crediting Rs.1026.06 in my said account earliest, so that I could operate my a/c with full confidence.

Thanking you,

Yours sincerely,

Akhilesh Kumar Sree Kumar
A/C No.[protected].

I have hdfc bank credit card. On december 2011, they have offered me mediclaim policy on that credit card. On march, I sent the application for the closure of credit card and policy, they have cancel my credit card but instead of cancel the policy also they have pre close it and levied inappropriate charges on it. They even didn't informed me also about it. Now after 2 months they are calling for the payment of that pre close amount and they have converted it into loan without my knowledge and original amount was rs 7500 but now its around 9500 because of that charges. I don't want that policy and I already send the application for totally cancellation of that policy again but they are not answering it and calling for the payment.

Its really a mental pressure for me. What should I do in this situation?

Plz plz help me

I had taken a dual rate loan from HDFC, which converted to a Floating rate loan after the completion of Fixed rate . I am currently being asked to pay a Floating rate interest of 12% on my loan, whereas the New customers for similar loan amount are being offered ROI of 10.75% to 11%.

When I approached HDFC for the same, they said that I Will need to pay a Service charge to avail of lower rate of interest. The Service charge being sought is Rs 70, 225. I see this as penalising existing customers while trying to attract new ones. The Customers Credit profile, Repayment History, Loan Risk parameters needs to be taken in to account in such instances, which is not the case. .

On top of that HDFC is not allowing me to Prepay the Dual rate home loan inspite of specific instructions from NHB that prepayment charges can not be levied on the customers. On one hand HDFC is charging me exorbitant ROI for my Housing loan and on other hand they are not allowing me to reduce my interest outgo by prepaying the Loan amount.

If this is what the Premier Housing Financing company is doing to its customers, what can we expect from other institutions.

amortization schedule not issued so far. and the only helpline no. 011-[protected] is faulty.hdfc website www.hdfc.com also does not accept complaint due to some error.whom should i approach?it is not possible for me to visit .the main branch at munirka

MY SBI ATM card no is 6221800484ooo74281 on [protected] at HDFC ATM KAWADE road no1058 i used my atm card for withdrawing rs 10000. I did not got this money due to some fault in atm mechin at that time .while checking my account statement I
to know that AMOUNT of rs10000 is deducted from my bank account.how can i get my money back pl do need full .
FROM upadhye rajiv kumar, mobile no [protected] Email; [protected]@gmail .com

Customer support agent should follow some phone ethics. i day i called customer support to get a info about the bill that i received today. For that i have to call morel than 7 times but still i didn't get my answer. 2 call backs has been scheduled no call no info till now. I'm going to take this bank out of my company I'll recommend my office people to kick this hdfc bank for sure. this bank will pay for this for sure...

Hdfc bank seems to have 'no described guidelines' in terms of collection. Any collection executive takes the call so personally and demands for the due payment, like his personal agenda. The keep calling repeatedly 5-6 times, if the phone call is not picked, I hope there are some contact policies for them, or any law, which they can abide to. How many times a day they may try to reach to a customer? Or whether they should redial the number for 6 times at a stretch?
While communicating, they take the issue so personally, that, leaving respect, they get into all types of mode, i. E., commanding, demanding, instructing and also hurting the personal emotions. They are no one to command us, that, we shouldn't have taken the card or loan (we also have a car loan with them), and this type of communication has occurred during both the collection, and none of has ever been 30 dpd (Day past due), so, it seems that, they are trying to use recovery policy right from the begining, i. E., 90 dpd.
All above that, the credit card collection people sent a person to collect the money on 25th march 2012 (Sunday), with out any prior discussion, and the person was drunk. When complaint about the same to abhijeet rajpal (Collection manager), he was not bothered about it and he also tried to put it on me, stating that, I am trying to fool because I didn't wanted to make the payment. We have never denied the payment and have always tried to make it on the said date, also have said no to those particular day when it was not possible, I am sure that, they will have the recordings for all those calls

HDFC seriously s*ks.
I was using citibank for last 5years and never faced any issues. Recently my ATM card magnetic strip was damaged because of the hard swipes on purchases and I reported the same to HDFC banker. Taking the request for the same, it is been 3weeks now and there is no response from HDFC side. I went again to the nearest branch and they asked me to go to the mother branch or call netbanking. The given number of netbanking which is suppose to work 24hours a day [protected] options 116 (as said by the banker) says " We work between 8am to 8pm, please call us back between this time". I'm all frustrated and bugged. I have no other options to change my bank as my company allows only HDFC accounts. My complain reference number from HDFC is EA0121587501.
Please do something about it,
Mohammed Yaseen.

Would like to seek your kind cooperation and support in resolving my below mentioned query.

As i have recently subscribed with the HDFC card and i have received this credit card around 23-24 dec'11.

My first usage of this card on 10 Jan’12 and I was expecting bill to be generate on 10 feb’12 and my due date will be 29 feb’12 as what their executive explained to me while offering the card “Every titanium card holder will enjoy 50 days credit period to clear his/her outstanding and billing cycle starts after your first purchase ”.

So, my question is why HDFC billed me on 15 jan’12 and assigned my due date on 4th feb 2012, lets say if I calculate from date of receiving of credit card still I am not enjoying the credit days of 50 till 4th feb’2012, couldn’t able to understand how they calculate the payment cycle.

However I have cleared my outstanding to avoid interest or late payment charges, apart from this what executives has told me that you have to bear one time annual charges of INR 500 every year which i have agreed but I don’t know for what reason they have levied membership charges of INR 60 on bill which we haven’t discussed and still I have cleared while making payment.

Same query has been escalated to the HDFC mangers still they haven’t come up with the solution even I have paid my dues., that shows how bank bluffs or cheat with the customer, I am thinking to file a legal case against them.

Regards
Prateek kakani
([protected])

We are tvs two wheeler dealer. Hdfc bank no release payment in 60 days one two wheeler loan case. No responce in long time
Location hdfc bank ltd kota raj india
Maheshwari motors complaning oppiste hdfc bank kota (two wheeler depp.)
Tvs dealar [protected]

Hello complaint board
this is to notify you that my two accounts with h.d.f.c bank numbered [protected], c.i number [protected] and another salary account were been subjected to annual quarterly balance (A.Q.B) deduction even though the minimum balance at which the accounts were opened was maintained duly, that is 5000/- and 0(zero) balance respectively. Bank did not informed personally before or after they increased the minimum balance which was to be maintained to 10, 000/- and 5000/- for both the cases and charged my poor saving accounts for more than two years amounting 827.25*8+ 827.25= 7445.25, seven thousand four hundred and forty five and a quarter rupee in two years . please give justice fir the same.
Yours faithfully
Kush verma
[protected]
[protected]@yahoo.com

HI,
I have applied for Two Wheeler Loan through Sri Sairam Motors (BTM) on 9th Jan 2012(Monday), and same day i paid 22760/-Rs
They said you will get bike within 7-8 days, 3days for loan approval + 4days
but verification process itself started on 14th Jan 2012(Saturday) .
On 17th Jan 2012 i received sms that verification process is completed,
On 19th Jan 2012 i received sms that my loan is approved with Loan A/c [protected],
then on 20th Jan 2012 i given 3 checks and signed on agreement.
but still (On 26th Jan 2012 ) Sri Sairam Motors guys are saying to wait for confirmation from Bank.

I just wanted to know why this much delay in process.
i don't know who is responsible for this delay HDFC Bank or Sri Sairam Motors,
but finally i am suffering from their process, because neither HDFC Bank nor Sri Sairam Motors is responsible money i have paid and their interest.
Thanks
Ravi Kumar gupta

I have spoken to HDFC customer care to Ms.Mythili vide Ref.no.[protected] dt.18/1/12 regarding foreclosure of HDFC credit card loan and as per the instructions given I have transffered funds through HDFC-BILL DESK from my SBI saving a/c for an amount of Rs.56, 117/- through net banking vide transaction ID: MSBI2674083535 dt.18/01/2012. I have also received a confirmation mail from the BILL DESK SUPPORT for the same. On 20/1/12 I have received a SMS on my mobile no.[protected] from HDFC stating that out of RS.56, 117/- only the current outstanding amount due for Rs.13, 342.66 have been credited to my CREDITCARD NO.[protected] and balance amount of Rs.42, 774.34 was returned due to excess payment. But till now the money is not credited back to my account and there is no proper response from HDFC regarding the issue. I have spoken to several customer care executives namely Ms.Dharani vide Ref. no.[protected] dt.21/1/12, Ms.Fathima vide Ref. no.[protected] dt.22/1/12, Mr. Eswaran - Manager on 22/1/12, Mr. Kranti on 23/1/12, Ms. Sangeetha vide Ref.no.[protected] and Mr.Rajeev vide Ref.no.[protected] dt.25/1/12 but of no use. I humbly request you to kindly take necessary action against HDFC and BILL DESK for not crediting back my money to my account which they have returned on 20/01/2012. Please resolve the problem and do the needful.
E.S.SURESH
MOBILE NO.[protected]

I got a call from the collection team at around 10:00 AM about my
payment on 16 Jan 2012 when i was travelling to my ofice by train and have told that customer care lady tht can u

plz call later she was like Madam even we are busy and all nonsense and was not allowing me to speak at all..i have

launched complaint against her for which i hav recvd call frm hdfc CC they hav told me its her duty bt Is yelling on

customer is her duty..? and hav informed them will do the payment on so n so date..

Still tht lady name sujata no. are 22-[protected], 22-[protected], [protected] keep on calling., .. tell me the date hav

told her hav informed earlier don call me she gav to anothr lady name Jenny a very rudeeeeee n ruthless lady don hav

manners how to speak she was like i will not listen to anythg..i was being trying to inform her tht their is an sms

with me tht my due is on 1st of Feb stil this lady is like we don knw anythg tht sms is not for u whereas the sms

was from HDFC bank..n evn i m ready to do the payment but this behaviour and nature of calls frightens me a lot for

the payment...I hav complint abt them still no reaction..and the keep on calg continuously and keep on arguig..n not

even alowg us to speak..Please tell me where to launch complaint against these people..

Hello, this is Dr Arti Patil.I have salary account in hdfc bank with account no.[protected].I came to know in salary account there is no definite minimum balance required to be kept as its a zero balance saving account.Inspite of this 827.25 rs have been deducted against AQB SER CHGS INC ST & CESS OCT-DEC2011 without informing me on 12th of january 2012.So I want the amount back and no more inconvenience of this type ahead.Let me know earliest on my mail[[protected]@yahoo.com]or my mobile no.[protected].

From
V. Rajasekaran,
[protected],
E -Block staff Quarters,
Govt. College of Engineering,
Salem - 636 011.
Tamilnadu.

To
The Officer in-charge
Customer Complaints & Grievance Cell
HDFC Bank Ltd

Respected Sir,

Sub: Vehicle loan of Bajaj Discover 100 - Reg.

I bought a two wheeler at Preethi Bajaj, Mallur, NH7 Trichy Main Road, Salem, who is a sub dealer of Bajaj vehicles, on 07-10-2012.

Mr. Senthil Kumar who had been a authorized financier of HDFC received all stipulated documents at the time of the vehicle having bought, for loan of Rs. 38400/-. He assured me that my loan formalities would be processed within 3 days of time.

I approached the financier Mr. Senthil kumar lot of times over phone and in person. But my approach stood vain. He gave me an evasive reply that there had been some problem in the Main branch of HDFC. I trusted him a lot. It has become more than 2 and half months of time. I tired of approaching the financier Mr. Senthil Kumar.

Finally I approached the HDFC bank, Salem where I got known that my application had not bee submitted to the bank for sanction of loan. I was shocked and i did not know why my application had not been submitted to the bank.

At last I came to know that Mr. Senthil Kumar, HDFC financier along with the Owner of Preethi Bajaj sub dealer, used my initial deposit of Rs. 17250/- for their own purpose. They did not make any necessary arrangement for sanction of my loan at the bank.

The financier deceived me a lot not submitted my application to the bank. I finally approached other the team leader Mr. Ilayaraja who logged in my application and processed. Again i submitted all of my necessary documents to the bank. After 3 months, at my own approach, my loan was sanctioned and my vehicle registered on 05-01-2012.

I submitted all the documents to the financier mr. Senthil Kumar at the time of the vehicle having bought. He did not submit anything to the bank. I need to have all the documents submitted to him.

I also request you kindly to initiate severe action on this financier at an early date to retain the name and fame of the HDFC Bank. And prevent other customer being victims. Kindly please hand make necessary steps to hand my documents at an early date from the financier (8 photographs, ration card xerox copy etc., ).

I solicit you kindly to do my favour of initiating necessary steps on Mr. Senthil Kumar at an early date.

Thanking you,

With regards,

V.. Rajasekaran.

place: Salem
Date: 17-01-2012.