HDFC Bank
Reviews and Complaints

I have a home loan account with hdfc home loan department ambarnath west. account number is [protected]. however when I visited the ambarnath west branch, and enquired about the details about the outstanding balance (as I wanted to make a pre-payment) , the manager refused to give me a computer print - out. his reasoning was that he did not know the file number. there seems to be some negative nexus between the manager of the hdfc home loan department and the builder m/s om shree sai developers. I would like to invoke the right to information act and would like to know the exact factual position. also I have realised that your bank has charged a higher rate of interest for the initial one and and half year over and above the initial offer of 10.25%, which I think is not at all justified. I would like to avail the present offer of 8.50% which has been offered by all the leading financial institutions.

I have got the forex card from hdfc as I was travelling to the us for an official trip. The ipin which came alongwith the welcome kit (With card) the print was worst... You cant figure out which is o & which is 0. I literally had to ask onshore people if I was wrong in reading the ipin. I tried all the alpha numeric stuff with the ipin but it didnt worked. I raised a complained on hdfc customer care & followed up 3 times. They didnt come up with the solution. Today I got an email asking to call the customer care in india for further assistance on that... Crazy people.. They want me to spend 2$ per minute & listen the music till the time it reaches the correct person who as per my knowledge doesnt help.& ask to call back again saying system is down or with some silly reasons.

I am hoping that someone should listen to my issue & assist with the same.

Regards,
Asif

Respected Sir/Madam,
I need help from your side that’s why I am mailing you my problem, HDFC BANK representative is harassing me so much these days that I cannot explain you but giving you a brief. I am very much frustrated from this. Please help me in this matter as I know only RBI can save me from this torture.
My name is Arif Nasir Butt, Father – K.N BUTT, Residing In RANCHI- JHARKHAND and I want to inform you that I am a account holder in HDFC BANK from 10 years time. While 3-4 years back HDFC BANK has issued me a credit card number is- [protected].Myself is paying regularly to HDFC bank but 6 months back when I came to my hometown,
Till that time always call is coming from Kolkata and girls are abusing me, one time they even abuses my mother as my mother is a heart and BP patient. They are always harassing me even at morning time till night 9 o clock.
All numbers from which I am getting threatening calls are-
[protected]
[protected]
[protected]
[protected]
[protected]
I and my parents are very much harassed as they are regularly calling from these numbers in my mobile as well as my mother and father number. After some days One of HDFC BANK representative name is AMIT came to my place and offer me personal loan and asked me to pay 10, 000, so my card blockage will be removed. [protected]- AMIT NUMBER
I am also in need of loan and thought that I can clear all outstanding bill of HDFC BANK directly from personal loan.
I tried to arrange money but cannot do that at earliest time so I paid 2500 RS first, but that guy Amit has not given me receipt of that.
Again after some days I paid 10, 000 but to open my blockage of card. This time also I didn’t receive money receipt.
After payment of money Amit has not received my single call and other guys are always threatening me to pay money otherwise they say they will kidnap me and kill me, whenever I found alone in road.
Today RAKESH from HDFC BANK call me from number [protected], and abusing me with bad language and also threaten me to get all money back at any cost also challenge me not to go outside.
So, I need your help from your side, please try to get me out from this mental & physical pressure.
I will be very thankful to you .

ARIF NASIR BUTT

To,
The manager,
Hdfc bank,

Dear sir,

I am abhijit satish shetye and I have been allotted a hdfc bank titanium international master card.

In addition on getting the card I have also been allotted a credit limit of rs. 50, 000.

I have swiped my card for a purchase of an electonic goods.

When I had received the card, it has clearly been mentioned on the pamphlet to which the card is attached that easy emi's are available on purchase of any electronic goods. At the same time after swiping my card I spontaneously got a verification call from the customer care to cross check if I myself have swiped the card, at the same time also I have told that I need to get it converted to easy emi.
At that time I got a feed back that the transaction gets booked in 24 hrs and so you need to call after 24 hrs and your amount will be converted to easy emi. But then I come to know that the easy emi scheme is not available on my card but still we will get back to you.
Since then I am calling up the customer care for the easy emi scheme but I haven't got any revert on the easy emi facility on my swiped amount.

Kindly request you to please convert my amount as it will be impossible for me to pay the entire amount in a single shot.

Hr is sleeping here completely
No timings of bank for the employees
No hike in salary no promotions in time
Always sales pressure making mentally weak, harrassing for sales sales and sales
No resting place no lunch timings, worst bank in india
Breaking the code of conduct for employees welfare, indian govermnet should take strict actions against them.

I have got an account with HDFC bank. I applied for credit and gave all my details my customer ID for bank, ID proof and ID proof however It has been over 10 days now I have not heard anything about it. She called me once and ask to submit another address proof.

She promised me that she would send her executive for the same, however as I mentioned above It has been over 10 days now nobody turned up. I have been trying to contact same girl called pragya for last 10 Days who took all my details for credit card. She has also not been answering my phone calls moreover they are having laugh. Her extension number is [protected]

Look at their audacity that they put the receiver on the side so that It could not be connected. I am not going to tolerate this revolting behaviour. I will complain to Head Office and to Ombudsman as well.

I would also like to tell you that few days back they were kept on calling to me to sell me a credit card. I have been treated so badly. They do not deserve to be there. They do not know the meaning of customer service.

To whom so ever it may concern please take some action against them.

To the hr manager,
Hdfc bank ltd
Mumbai
Regardable sir,
With due respect I bag to state that I umesh kumar mishra, employee code-cu-01046, I had joined as a cse on 16june2009. I have resigned on 23rd of jan2010. The matter for sending complaints and couse for giving resinationis that slaes manager sumit verma employee code s 11345 nehru place, new delhi and team leader rakesh khosla employee code-cr19495 both person is not maintaining a good behavierwith cses as well as me. They are using abusing and dirty lunguage. This is a very remarkable thing that if the sm or tl is not satisfied with my work they can ask to me to give the resination or they can do departmental action. But why they will use abusing lunguage with me. On 22 rd jan2010 the sm and tl used very dirty and not askable lunguage. Before it also they were using this type of lunguage. But on 22jan it was not affordable and they said to me to get out the branch and I gave the resination. I want to know that why they will say to me to get out the branch. Is the hdfc bank is his persona;l asset. Why I was treated as a bandhua mazdur I was an employeee of hdfc bank or somethin else
My second matter is that stii I m not getting my jan2010 months full and final salalry. And sm said to me he will sind my salary after 3 months. Who gave the right to stay my salalry. Kindlyit sould be notice to the all relevant person.

Thanks
Umesh kumar mishra
Empcode-cu0146
Okhla new delhi
Contact no-[protected]
[protected]@yahoo. com

Raman says:
Your comment is awaiting moderation.
February 19, 2010 at 4:13 pm

Hi,

Recently hdfc bank rejected my credit care twice.
On email them i just get a reply as of now due to various reasons they are unable to offer me the same.
On my personal enquiry, i gt an informal information that i am listed in cibil.
I have never owned a credit card and never been a dafaulter. To my surprise if i have been, how sbi issued me a car loan about 8 months back which is still running on my name.
So i feel somewhere something is wrong. Hdfc is not helping me out in giving me details where what i have been shown in what context i am a defaulter.
Approaching hdfc bank through email from last many many months now is wasting my time.
How should i proceed now and where to approach. Please help me.

Thanks

Raman

Hi,

I have a personl loan with hdfc. But my ank is obc every month theare deducting tru ecs from last 2 years. But thismont their ecs got rejected and they called me for the payment. Balance is ther in the account. As I enquired at obc, I came to know that th ecs got rejected due o som connectivit problem between banks, and all he ecss for eery bank which came to obc got rejected. Then all those banks re-submitted their ecs's and encashd their emi's.
But this hdfc pople are pressing me o pay at their counter other wise I will become a defaulter. They are making dozens of calls to me.

I explained the situation to them, they are not ina mood to understand or hear u. They say that it is our responsibility to see that the ecs gets cashed. Atually it I not my problem, the cash is lying in the account it the inability of hdfc to encash tru es, moreover they are blaing us.

If so, whydo they tae ecs, then what is their role.
I think they have to gather information from rbi or obc for the rejection of ecs. They want to put all the blames n the customer.

Jana

This is habibulla mondal here. I am a customer of sector 5 eternity branch.
My account no is [protected] and my customer identification no is [protected].
The bank authority had frizzed my account for last two and half months showing the cause of pb authorization made by mr archie chokroborty.
They supposed to think I am a vague costumer. I have submitted my axis bank statement and my pan card no to the branch on 28 january 2010. But the told me that
My problem would be solved within 96 working hour. Remain time has gone but my problems remains. Then what are the businesses... ?Have there any regulation act by the reserve bank.. ?We the customer valued our money not the banking system.

Hdfc unit linked young star plus' (Sarutha ke jiyo)
I had taken a policy of 'hdfc unit linked young star plus' (Sarutha ke jiyo)
With insurance coverage giving me so many dreams shown in excel sheet hdfc promise kid’s education and soooooo and dream are as follow
(http://www.hdfcinsurance.com/MediaCenter/News/Product%20profile%20HDFC%20Young%20Star%20Super.pdf
http://www.hdfcinsurance.com/Products/Downloads/ChildresPlan_PDF.pdf
http://www.hdfcbank.com/personal/investments/life_insurance/unit_linked_plans/young_star_plus/unit_youngstar_plus.htm#
http://www.hdfcinsurance.com/Products/ChildrensPlans/YoungstarSuper.aspx

Reality is this

It involved initial amount of rs 5 lakhs investment, in the yr 2005, followed by payments of rs. 50, 000 for 3 consecutive years. This was terms and condition agreed at the time of investment with hdfc staff that came home (Jiteesh, biju insurance person).
I paid all these payments in till 2009.in 2010 january, I got a cheque of approx rs. 4 lakhs from hdfc bank, saying that all is closed.

For verification policy # is [protected]

You can clearly see that I have lost around rs. 2.5 lakhs at the end of 4-5 yrs. It would have been a better choice to put it in fixed deposit else where which would have given me double the amount by now. How these people are play with us.

So dear friend beware of hdfc any policy... Be careful investing with hdfc bank... Try to send/ pass these to information to everyone so that other will not fall in the trap of hdfc bank

Thank so much

Moncy c varghese

Sub: pls solved my problem for do not receipt any withdrawal amount from your ubi atm habra branch in time of cash withdrawal. (Ubi atm - id akl0011u).

Respected sir,
I sanjay kumar chakraborty, internal audit in sks microfinance ltd. And I have a salary account in hdfc bank. My hdfc savings a/c no. [protected]. On 06/02/10 I withdraw rs.8400/- from your ubi atm at habra branch for my own bank atm problem.
But I found that at 11:43 am when I withdraw rs.8400/- then link failure & I do not collect money from ubi atm but only receipt transaction slip.in slip shown system error & pls cont. Bank. After this I went to hdfc bank & verify my a/c balance & found that rs.8400/- withdrawal amount shown in my statement. But in time of cash withdrawal I do not receipt any money from ubi atm habra branch. At least I submit my complain in to ubi bank & all document attach my mail.

So, I request to you pls immediately solved my problem very sincearly & obliged to me.
With regards,
Sanjay kumar chakraborty
Vill - subhash pally,
P. O - gobagdanga
Dist - 24 pgs. (N)
Pin - 743252
West bengal
Email: [protected]@yahoo.com
(M) - [protected] / [protected]

HDFC bank at bandra east, kalamandir branch mumbai closes te bank 5 mins earlier then the alloted time. I have everytime noticed that every saturday they close their bank 5 mins earlier today also when i reached the bank at 11.58 am the bank was closed and when i asked the security abt it he told me that it is past 12 and i spoke to the manager Mr. Uday Roy that why every saturday they close the branch 5 min earlier he told me very rudelly that we go according to the watch at our branch and the branch watch was 5 min faster then the gmt time. How will a cutomer react to this as there is no support from the bank manager. I would like to see that strick action is taken against the branch manager seeing that he doesnt do this again in future, so that the customer doesnt suffer for it

I am an salary a/c holder with hdfc bank sf road, siliguri branch a/c no [protected] working in birla sunlife insurance co ltd. For a whole month the people from the personal loan department kept on reapeatedly persuing me for a personal loan since I was supposed to be a bonafide customer and was eligible for a loan as per their version. I was a fool to fall into this and landed up submitting my docs for a loan of rs. 1.25 lacs on 22.01.2017. I was assured that it would be disbursed on 25th of jan 2017. Nothind being credited till 28.01.2017 I contacted them and was replied that the loan was rejected on grounds which even they were not clear of. Is this a joke I am being pestered to apply a loan and on applying it stands rejected and I dont know the reasons why. Is this what I should get from a concern like hdfc bank. I feel very humiliated and dejected. I would ask the concerned authorities to look into these and give me valid replies or I shall close my account and being a member of birla sunlife insurance co ask my collegues to close their acconts also or they also may have to face such henious acts from hdfc bank ltd.

i am vinay kumar shukla. my A/C in HDFC bank mumbai grant road & my A/C no. [protected]. my amount hold by HDFC loan depart he tell me you have loan 1.5 lac but i have no any loan till date. so you are requested to please clear my A/C.

with regards

vinay kumar shukla

I had inserted my debit card in the atm machine of sbi bank located in raxual (bihar) but the cash did not come out and my saving account was debited by the amount i. e. rs. 5000.00. I have my account with hdfc bank noida branch. when I contacted the sbi bank for this they said that you have to complain with the hdfc bank and not with us. please contact me on [protected]@gmail. com

Ref Credit card no-[protected]

With reference to the above mentioned credit card No this is to inform you that I Ms. Pampi Bhattacharjee, am using the credit card of HDFC bank since July 2008. Due to some financial crisis this month my payment was not in time. Since the beginning of the month I am telling that I will pay before month end. Today morning at 11.55 a.m I received a call from 8 No. N.S.Road, Gillander House, Phone no. 033 [protected] . The lady who called me she does not have minimum sense of language who did not disclose her name and introducing herself as senior executive. She called at my home and told my mother that I’m doing “ayashi & furti” with so many people by using my credit card and many slang languages. And I have kept so many body guard for not paying the money. Continuously she was calling in my mobile and residence number and giving threat.

I am Bhavani from Bangalore and I have a credit card which is already not in use and not renewed Four Year Back. I had given several communications to customer care to change my address and email id for the last 4 years so that I receive my statement in the current address and make the payment. HDFC collection agent used to come to my present address {Electronic city }till last month to collect the payment. But irresepctive of my repeated request neither my address and nor my mail id was changed. I have requested for the statement several times but in vain. Finally this month I have stopped the payment and I had informed the telecallers unless and until i receive all the statements and go through the entire stuff I will not make any payments. Finally last Thursday I have received all the three years payments.

When the telecaller called me I had informed him that I need to go through the details and require one more week to sort out the issues.

One Mr.Krishna from HDFC Calls from Different numbers {[protected], [protected]} uses abusive languages and threatens to come to office and house irresepctive of the genuine claim of mine. I have never said that I will not pay the balance. The same abusive language has been spoken to my company's security where I am working.

I request the HDFC credit card team to instruct their collection agency not to use abusive language to their customers and understand the geunity of their claim and work with the customers to
resolve the issue.

Hope I will not get continuous calls from the collection agency with abusive language .

Within Febraury 2010 I will be closing my credit card issue and i am personally visiting Cr.card division in Airport Road on Feb 6th.

HDFC is inappropriate in charging the prepayment charges of 2.25%. It is against the RBI guidelines. It's a two way loot of the existing HDFC Home Loan customers i.e. either they keep on paying the high interest rates or pay illegal ransom in form of Prepayment penalty for shifting to better rates offered by other banks.

When interest rates were increased by RBI then HDFC use to increase the rates by more % than what RBI hiked and when it comes to reducing the rates they keep mum. In last one year RBI has reduced interest rates by 4% but HDFC has reduced the rates by just 1% and keeping the rest of the 3% with them.

Now if i want to shift to another bank offering resonable rate then they are charges pre-payment penalty.
Now, I am going to file a case in Consumer court against this LOOT. because some other fellows have also protested in court and won. see this case for reference...
In the case of State Bank of India Vs Usha Vaid & Anr the National Consumer Disputes Redressal Commission termed prepayment penalty for home loan as unfair and restrictive trade practices. The Commission asked the bank to refund the pre-payment charges collected from Vaid, who had shifted her loan to another bank. It upheld that Consumers’ right to avail loans at lesser rate of interest can’t be curtailed by such prepayment clauses. SBI SLP (Civil) 16345 of 2007 against the Commission order in the Supreme Court has been dismissed vide SC order dated 19.09.2008.

I have taken home loan from hdfc ltd. The loan payment schedule is post dated cheque - amount rs.2383/-. And the loan a/c no.[protected]. My banker name ubi - raniganj branch. The complain is that the cheque no.5585 (A/c payee to hdfc ltd. ) for dec'2009 emi has been cleared my bank (Ubi-raniganj) and the emi amount debited from my a/c on 21/12/2009. But hdfc claim that it was unpaid return and charge me extra for the month of dec'09. When I brought the fact to them one fellow name mr. Ayon from hdfc ltd. Told me that hdfc bank shows that the cheque is unpaid returned that's why hdfc ltd. Record shows that my dec'09 emi unpaid and the cheque (No.5585;ubi-raniganj) was dishonoured. Though it was false and not suported by the evidence of my banker's record. I have repeatedly brought this fact to the hdfc ltd. But in vain. Hope this complain might be fruitful if not further proceedings according the law would follow. Thank you.
Sikha roy.
[protected]@yahoo. com