HDFC Bank
Reviews and Complaints

I have done the FD (amount of 95000/-)by hdfc Rewari brach (HARYANA) But i have not received the FD due to address change & i have sent the bank statement by attached mail

So, kindly issue the duplicate FD at my new address. My new address is given below.

MANISH KUMAR JHA
G-79B, GAMMA-II
SHRAM VIHAR
GREATER NOIDA
GAUTAM BUDH NAGAR (U.P)
cONTACT NO-[protected], [protected]

Waiting your reply
Regds,
Manish Kumar Jha

santoshi gupta

I would like to ask the people responsible, primarily, to the people responsible for this website, and secondarily to the people who has lodged this complaint.

" Have any of you received the solution or rather soved these issues? If so, i would like to know as to what solution the bank or you has come up with."

On a personal note, i would request Mr. HARMINDERF PAL SINGH to go to the respective HDFC office and lodge a personal complaint, in writing, and submit it to the Manager

(Or you could (if you are "thandurusth"enough) beat the ### out of him) - least advisable!

The point is these complaints are made by the common people and i request the concerned authority to take immediate action.

Thank You,
pakdi_rockz@yahoo.com

SUBJECT : Request to do stamp in same bank transfer slip in HDFC, GANDHIDHAM BRANCH, KUTCH
Dear Sir,
In reference to above subject, You are requested to do stamp on same Bank Transfer Slip.

I am working an Accountant with several parties in Gandhidham, For an Example, I am submitting herewith the scan copy of my Deposited Cheque Slip of my party KASMANI IMPEX A/c.No.[protected] sum of Rs.452488/= .If by mistake Bank missed the cheque, who will be responsible.. A Customer or A Bank..?

But When accured this type of problem, with the Customer will not have any proof of deposited cheque. You should give 2 option to customer (1. Drop in Drop Box own risk 2.Stand in a que to made stamp in slip). Today on 22-01-09 Staff of HDFC Bank had pressured to drop this cheque with slip in drop Box. As I was standing in que to made stamp. Other thing You can check with the TV Channer 24 HRS News, I saw a documentary within last a month. At Some places Droped cheques are stolen by some one. And also cleared in some duplicate Accounts.. Then What I/ we should do ?

This is not a complain.. But only a request or suggestion.. So, Please, Do not do any type of experiment like this... I also have a SB account with this Branch of HDFC in Gandhidham..

Your Truely Customer,
PRAKASH MODI
[protected]

Sir I V.Raghavendra from Vishakapatnam i want close my card because i am not unable to pay payments. So i required one time settlement from your end. My HDFC CREDIT CARD NO.[protected], HDFC JetPrivilege, JP NO [protected]. i Have Rs, 22000.00, my out standing is more than Rs.70000.00. Every month i am paying minimum payment due. From last on wards i am unable to pay in time. So kindly do needfully for one time settlement with humble request.

I had one credit card which I have received from on person who is totally unknown to me. He came to my office and offered many of my friends HDFC credit card As i have on saving Ac in HDFC bank and I have got good service from HDFC bank and Housing loan branch I accepted the card. At that time I have received a latter from HDFC that there is no any surcharge on purchasing of petrol from any petrol pump for purchase Rs 500 and more. After some days I have received on bill having 2.5 % service charge so I contact to Call center and after many discussion they accepted there terms and told me that they will reverse that amount in next bill. Same case happened after next months I was fed up with this repeated problem I paid all the dues and send the card with application for termination of card to Chennai. This i had done in Jun Or July of 2004 Neither any phone call or Written bill or notice I have received for pending dues in last 24 months. I have not changed my residence or changed my Phone no. On 12th Apr 2007 I have received Notice for holding funds of may saving with that notice. There is no any account details / my dues / or clarification of penalty.

Dear All,
I would like to say one thing only that we can cheated by these credit card owners just because of our lack of knowledge regard how to use it and full terms and conditions only. So i request to all credit card users that before taking and use any credit card first of all pleas go through the terms and conditions in deep.
Regards,
Shakti Singh
manager tata motors, .

I dont understand why you people not get united by sharing ur email id and giving ur names and numbers and then finally lodge a complaint against these people. We people are giving them chance to harass others as well, if we wont get united and file a joint complaint against this harassment nothing will happen. And beleive me no police can ignore the complaints made by 200-300 people against one bank credit card division. Drag them to court and punish them so that they dare to repeat this act again.

Dear customer,

We would be glad to assist you in the matter of settling your credit card dues. However, we would require a few additional details to look into your issue. We request you to write to talktous@hdfcbank.com with your credit card details and the reference number TTU000337228062011. We will respond once we receive this information.

Regards, Customer Assistance, HDFC Bank

Sir,

i name is naveen srivatava i have a credit card of your bank but i am a poor family belong. i have a pracahas of 160000 of your credit card shopping . but i am not give the full payment of credit card. so your hdFC bank is tell me the stalemate of your amount.i am say OK. but i have pay minim 2000.1900 pay of per month. so this time is June is last payment of my. my payment due to 10000. your statement. but i have no money this time i am say your customer card person is your all pay is canceled your pay the next month pay of rs 10000. so what i am do. i am vary poor family . pls solved me my problems . tell me . some solutions

I agree, the HDFC Credit Caard divison is pathetic and custome service is just for name sake...

Yes I faced the same harrowing experience..

My mail is as follows. It is good to take legal action as the Bank and especially the collection agents tend to take people for granted and Mentally Harass which itself is illegal. Inspite of these guys extracting so much of Interest and other miscellany charges as an overhead they HARASS which is very bad... and not acceptable. We should not pay any money to these guys and lodge our claims against the Bank.. and drag such scruple less agents and bank to the Consumer Court..

To

The Branch Head
Credit Card division
HDFC Bank

Sub : Harassment to my family members

Dear Sir/Mam,

My credit card with no [protected] needs to be settled.

I have been troubled enough by your collection executives and cannot take this anymore. I am really upset with the way your executives behave and treat my family members who are not involved in my transactions. Several times I have asked your guys to call me for any issues . I am currently in the US and want to settle the dues and wanted a statement although this was somebody else transaction done on my card and not mine but still am paying for it.. OUT OF MY POCKET.. for helping a NEEDY... I was supposed to receive that money but I havent and hence I had to stagger the payment...

that apart.. being my personal issue and reason for staggered payment out of which bank still gained a lot as interest earnings.. and other charges ...STILL the bank/ collection agents seem to act a little cranky to extract payments while I have no intentions to skip on the payments...but wanted to settle it anywhich ways.Since I am in the US so it has been difficult for me to co-ordinate about the payments while I have instructed your agents to call me for any issues and have addressed it suitably whenever they called me..

I dont understand why the hell my family is being subject to so much of torture and I will lodge my claim against your bank for the damage and mental harrasment caused to my family.

I want this to settle in good order and amicably but if the bank does not care about Human sentiments then unfortunately I will have to take an alternative route where in I DONT PAY THE OUTSTANDING AND FILE A CASE AGAINST THE BANK FOR MENTAL HARASSMENT AND TORTURE .

Besides the bank has piled on enough interest on my CC payment and I have been paying it still if my family and myself are subjected to torture then I really dont care about paying the remaining amount and rather will file a suit and and a PIL on behalf of various others who are going through similar harrowing experience .

I WILL NOT TOLERATE ANY FURTHER NON SENSE BY THE COLLECTION EXECUTIVES AND WANT TO RETURN THE OUTSTANDINGS AND MIND YOU THIS TIME I WANT YOU TO CUT DOWN ALL THAT INTEREST AND GIVE ME A LEGITIMATE AMOUNT THAT I NEED TO PAY.

KINDLY SEND ME A STATEMENT AND I WILL DO THE PAYMENT BY 3RD OF FEB 2010. IF I GET ANY ADDITIONAL CALL OR ANY PERSON BUGGING MY FAMILY ANYMORE I WILL JUST INSTRUCT THEM NOT TO ENTERTAIN YOU GUYS AND DO WHATEVER YOU WANT I CAN ASSURE YOU THE BANK WILL NOT GET A SINGLE PENNY AND ON THE CONTRARY I WILL MAKE THE BANK TO PAY OUT OF ITS NOSE...

Every individual has a level of patience please dont get on nerves and make the customer take drastic measures there are several people who tolerate it but I cannot any more its gone beyond my tolerance limit.

I have done such similar complains in the past and made the companies pay you want to try me.. please take your course of action and I will take mine.

I urge you to address my grievance suitably before I go to extreme measures which wont be pleasant for both parties .

Regards,
Mithesh K

dear sir,
with your kind information that i have recieved one gold credit card having ending no.2627 that i have applied with my name DEBASISH CHOUDHURY but in my card that is coding with DEBASISH CHOWDARY.so i want to change my name on card.

address:
debasish choudhury
senior executive in QA
Dr Reddys lab, Hyderabad
Unit III, Bachupally(Generics)

my credit card sattelement immidiatly

One mr abhijit rajpal had been calling from 020 [protected]. On the 23 may 2007 for at least six times talked very rudely is this customer care? He must be taken to task. How can hdfc employ, hire such guys.

main ne two weeler loan ke liye apply kiya tha mera name: "Mubeen Ahmed Mohammed Iqbal chanda" hai main ne required document se zyada documents diye the 3 year Income tax returns taxable Netprofit 203000/- mere name ka Telephone bill, pan card, light bill, ration card, aap ke executive "aaradhye" ne kaha ke aap showroom main jakar down payment bhar do main abhi approvle letter fax kar raha showroom ke aadmi ne bank ke executive ko phone par baat ki ke aap byke delivery dedo main approvle letter fax kar raha hu, main ne 20000/- rupees down payment showroom main deposit kar diya 6/05/2009 ko ab bank main bole rahe hai ki aap ki file reject hui hai aap ke father ne information wrong di hai verification executive mere father se kuch bhi nahi puchha, aur file reject kardi, main bank ke credit manage se baat ki to oh bole rahe hai ki aap ka koi business hi nahi hai, mere paas 3 years ka Income tax returns hai taxable, pan card, voter id card, telephone bill mera name se, light bill, ration card hum us ghar main 35 saal se rehte hai mere 20000/- rupyee 6 days se showroom main hai, mere paas bank ke customer ki list hai jo aap ke credit manager ne without income proof ke byke delivery di hai bank, aap ki requirement 30% down payment ki thi main ne 42% down payment pay ki credit manager ne kaha ki main aap ka business dekhne aap ke shop par aaonga magar 4 days huye aur mumbai se approvle lunga magar oh 6 days se rooz ghhuma raha hai
mera email id hai (mubeenic@yahoo.com) aur mobile no.[protected]

I have been contacted by one of the telecaller of HDFC Personal Dept to avail personal loan since my two wheeler loan has no outstanding. I have informed her many time that my account cannot handle indian currency, so how could I get the loan to my account. She assure me that, i am not the first candidate to this and the amount can be transfered immediately to my HDFC Account. The funny part is the loan got approve in my name and got the sms and a letter to home address for the first installment. Constantly I have been following up with the bank that I have not received any money to my account from the bank. After 10 to 15 visit to the loan dept. then they informed to that they cannot transfer the amount my account. At last I have open an separate account just for the sake of loan. and received the amount the 24th March 2007. and informed them to send an executive or change my account neither of it has been done. Due that it resulted in loan overdue. Hopeless service no customer sanctification at all. Whether the loan is paid or not the person, but they want to deduct the emi's at any cost. They are just bothered in taking money they have not paid and not bothered about their customers!

I am also a victim of the same kind of attitude of banks. I have surrendered my credit cards of HDFC and Standard Chartered Banks by paying them the full amount due in 3 installments as offered by banks. Still they put my name in blacklisted/ social customers list. I am still having good track record with HSBC bank but due to mis communication of an executive I am suffering a lot socially. I am not able to apply for any loan.

I would like to ask RBI when I paid full amount, How can they put me in social trouble.

Pal,

Do not settle for anything, verify lawyers credentials and do not worry read the full mail below and visit the sites I have given and share this knowledge - THIS IS CRUCIAL.

Good Luck

A CREDIT CARD VICTIM
--------------------------------------------------------------------
First visit www.bankingombudsman.rbi.org.in

file a case here;Bangalore
Shri. K.R.Ananda
C/o Reserve Bank of India
10/3/8, Nrupathunga Road
Bangalore-560 001
Tel.No.080-[protected], 080-[protected]
Fax No.080-[protected]
email: bobangalore@rbi.org.in
Karnataka

Mark a copy to : New Delhi
Shri H Kulshreshtha
Banking Ombudsman
Reserve Bank of India Building
2nd Floor, 6, Sansad marg
New Delhi - 110001
Tel No. 011-[protected]/[protected]/[protected]
Fax No. 011-[protected]
email: bonewdelhi@rbi.org.in

Next go online and file a case online at

http://creditcardvictims.org/page/eng

http://en.wikipedia.org/wiki/Credit_card

http://www.bcsalliance.com/x_creditcardtricks1.html [ full info on credit cards ]

Tactics Credit Card Companies Use to Get You to Pay More

Although the credit card industry earns more than one trillion every year, they aren't satisfied with that, and have adopted dubious tactics to further fatten their wallets. Late and over-the-limit fees now account for more than half of their revenues, so they like to encourage or trick customers into paying some sort of penalty fee. And they are now only getting away with it, but they keep raising their fees up and up -- just a few years ago a penalty fee was about $10. Now the average is $29.00. Consumer groups estimate that soon these fees will average $59.00.

Late and over-the-limit fees are not the only methods companies use to rake in trillions each year. There are also the credit insurance programs, universal default policies, dishonest marketing campaigns and other stupid card tricks. Many of the major issuers -- First USA (now Chase), Chase, Capital One, Providian (now owned by Washington Mutual), Citibank -- have been sued over allegations of unfair billing practices and accused of blatantly using tactics to cheat customers out of money. Some of these tactics are outlined below.

Not posting your payment on the day it's received -- Federal law requires credit card companies to post your payment on the date it is received. If they fail to do so, they cannot assess you late charges or added finance charges. Still, a common tactic most card issuers use is to post only those payments received by 9:00 a.m. or 3:00 p.m. on a given date. Payments received at 9:01 a.m. are posted the next day despite the fact that all the major card issuers have payment processing centers that operate 24-hours a day, seven days a week. Best way to fight back: Send in your payment at least 10 days before the due date. If you can't do that for one reason or another, arrange to make your payments electronically by signing up at your credit card issuer's website so you can quickly zap a payment to them and they can't claim that they didn't receive your mailed payment until after the due date. It is interesting to note that almost all of the major credit card banks used to allow customers to quickly zap a payment to them via Paypal.com free of charge. Of course, this must have put a big dent in their late fee revenue so some of them stopped allowing this (Providian and First USA to name two).

Tricking you in to paying late -- Federal law requires that credit card issuers mail you your statement at least two weeks before the due date, so companies have to resort to other tactics to get you to pay late. You know that your credit card payment is due on the 25th of the month, or do you? Your issuer might suddenly change it to the 20th of each month to try and get you to mail it in late. If it's received late, they will slap you with a $39.00 late fee. If it's late two or more times, they can legally increase your interest rate dramatically, to as much as 29%. At various times, several credit card issuers have even resorted to not mailing out statements at all to encourage customers to pay late under the theory that "it is a courtesy that we mail statements out, not a requirement." [First USA actually used that as an excuse once and lost many customers as a result.]. Best way to fight back: Always open your monthly statement immediately upon receipt and check the due date. Don't be surprised if it has suddenly moved up five days and you received your statement "late". You might have to immediately write a check and get it in the mail that day to allow at least seven days for it to get to them before the due date. You don't want it to arrive at 9:01 on the due date do you? If it does, you will be assessed a late fee.

Penalizing you for carrying a big balance -- If you carry a high balance on your credit card month-to-month, don't be surprised if you one day notice a small paragraph on your monthly statement that informs you your interest rate is going to increase from 7% to 28% next month. What the credit card company doesn't tell you when you sign up for the card with the low interest rate is that they almost always raise the interest rate dramatically on people who never pay down a high balance on the credit card or carry big balances with other credit card companies. It doesn't matter to them that you have always paid your bills on time and are never late. You can be a customer of theirs for 20 years and never be late or miss a single payment, but one day they will decide that you are no longer a good customer and raise your rate to 28%. [Citibank is notorious for doing this. Every time I see one of their ads in a magazine or TV about how much they love and respect their customers, I want to throw up.]

Credit card holder wins suit worth Re 1 lakh

The Statesman 29.5.07

Arunima Ghosh

KOLKATA, May 29: Credit cards may be a status symbol to some but for a vast majority of consumers irregularities in credit card bills can cause a great deal of harassment. The recent victory of a credit card holder against a leading bank will be a boost to such consumers who are regularly harassed by their banks.

A city consumer court has come down heavily on ICICI bank by slapping a fine of Rs 1 lakh, the highest compensation imposed by the court so far for discrepancy in credit card operations. The court of Calcutta District Forum, Unit-II, president Mr TK Ghosh and members Mr H Bhattacharya and Ms R Acharya pulled up the credit card division of the bank for recovering a loan that was never received by the customer. The bank allegedly asked the consumer to repay loan installments along with interest including late fees for a loan amounting to Rs 33,500, supposedly issued by the bank, which was neither solicited nor asked for or received by Mr Kalyan Kumar Sur. The court ordered the bank to pay Mr Sur a litigation cost of Rs 5000 along with compensation worth Rs 1 lakh.

Mr Sur was taken by surprise when his credit card statements suddenly displayed interest charges. He complained that bank did not respond to his repeated e-mails when he asked the latter to provide him with loan details. Instead the bank allegedly harassed him further by sending loan collectors to his residence.

The clause 5.1(b) under Reserve Bank of India’s credit card operation guidelines reads: “Unsolicited loan or other credit facility should not be offered to the credit card customers. In case any credit card facility is extended without the consent of the recipient, the credit sponsoring bank will be liable to pay such penalty as may be considered appropriate.” During the court proceedings the bank failed to substantiate with written documents that it had received a loan request from Mr Sur. When contacted ICICI Bank spokesperson in Mumbai said: “We are aware about this case and the bank might appeal before the state commission against the order passed by the city consumer court.”

I have taken a loan from HDFC Ltd and I was happy with there service for past 6 years. I have decided to sell of my flat and buy new one and I got the buyer. The buyer wanted to take over my loan and he applied loan with his bank, now his banker wants NOC and HDFC is not providing teh same. Pls help.

I have taken the loan with the hdfc limited file no is:-[protected], but due to some reason i have cancel my DD, on 21st feb 2013, hdfc staff taken the 2 PDC cheques amount rs.1805 and 4991 rs, , , , 1st cheque rs.1805 is bounces due to miss-communication by staff., staff member said your cheques are stop. but i was not clear that my PDC Cheques are still under clearance.. on the behalf of the staff i complaint. staff member said your money is recovered with in 48 hrs. but after some time i got a massage form hdfc limited that your second cheque is clear on 15th march2013, , i again complaint to the staff member Mr. S.V RAJA In account department, he said your fund is refund with in next 48 hrs. but still i did not return my fund in my account... may i know how much time it will taken to return the money?

Hi,
My file number FOR HDFC HOMELOAN is [protected]...It’s been more than 2 months since, I have submitted docs. but no satisfactory answers rather false promises being done.

Many times I have visited (more than 5 times) Noida Home Loan Branch and met to officers but they always said your file in process and one day when I called they told me, your file has been missed. Again, I provided all doc before 20 days back but still I am getting same response from their side.

Kindly look in to matter.

I have a ECS running on my HDFC bank account # [protected], and I maintain a balance of around Rs.3200- Rs.3700 in my saving account, whose minimum balance amount is Rs.2500. I do a max of 4 - 5 transaction during a month, since I have a SBI saving account & Axis Bank salary account. Still my account has been put on hold and also around Rs 100 have been deducted from account during the month of sep'08.
my account is put on hold and I am not even informed by my home branch. because of the above deduction the amount in my account is less than the ECS which ideally goes on 1st of every month. I would appreciate a proper answer from HDFC as to how am I doing very huge transaction( in term of amount or # of transactions), because of which you people put my account on hold so frequently.

Even i am facing the same situation at this point of time...
I didnt knew my account was freezed and i tried withdrawing money from the bank, each time i tried, i was charged 25Rs for the transaction.
I have around 10K in my account right now but the available balance it shows is -375Rs.

Dear HDFC Customer care officer,

I am having a corporate saving and salary account with my name ANJANI KUMAR SHUKLA-A/c number -[protected] from last 2 years in delhi.

Apart from this I am having a HDFC value plus credit card from last 2 years (43467720o6328198).With the limit of 12k. Due to some personal reasons, I could not pay minimum amount due in last two months that was in september 09 and october 09(current month) . this was just because of delay in salary transaction in my account. before this, my credit card payments were on time. In the month of september i got2-3 regular calls from some collection agency for the payment of minimum amount due. then i told to the collection people to pay the amount of sept 09 and oct 09 put together in the month of oct 09( this month) after my salary transaction .
I was readyto pay credit card payment from my account because it was my liability & in this regard I got a call from some collection agency of HDFC.
In the mean time, all of sudden I got to know that my total saving account balance(11, 227) is hold due to credit card outstanding & it was without my prior information & it was very humiliating situation when I got to know at the shop. At least bank should inform me in prior to holding this account.

My concern is instead of my last two month credit card payment why bank hold the extra amount from my saving account . please release my money in my account after deducting 2 months consecutive credit card due payments as soon as possible.

This is a literarily mental & Monterey harassment from HDFC bank & being a customer I felling really helpless to how to get justification

Please help me out
Please consider my case on priority basis & revert .

Thanks & Regards
Anjani Kumar Shukla
[protected]

Dear HDFC Customer care

I am having a corporate saving & current account in the name of Wipro e-Peripherals (Naveen Mehta a/c- [protected]) last 2 years in delhi.

Apart from this I am having a HDFC credit card last 4 years ([protected]).With the limit of 15k. Due to some personal issue with hdfc collection person, I stopped the giving payment after feb or march 08.
After that I was ready to settle this credit card account with bank because it was my liability & in this regard I got a call from some collection agency of HDFC.
In the mean time, all of sudden I got to know that my total saving account balance(10, 712) is hold due to credit card outstanding & it was without my prior information & it was very humiliating situation when I got to know at the shop. At least bank should inform me in prior to holding this account.

After that I contacted in bank & I connected with Megha – [protected] (hdfc – delhi jankpuri office ) & then I asked for settle this credit card & I have been offered to settle in 18000 in three installment, & in this first install is Auto debit amt. – 10712 & another 2 month PDC of 3600 on 26th sep.

In the mean time I got a letter from Chennai office regarding the account holding & mentioned with the name Mr. Sumant Kumar – [protected] ( officer – Hdfc, delhi janakpuri office . ) Again I contacted to him & he asserted in front of megha that ur credit card is settle as per megha.
I asked megha to sent a settlement letter & pick the pdc from me. He twice confirmed that she has sent the settlement letter to my given email ID (naveenmet@rediffmail.com). But thrice in two days I confirmed that I didn’t receive any mail from bank side then she confirmed me that already she has sent twice & having mail in her sent item.

Then twice also I asked to come personally at her office & collect the letter & give the pdc but she told me there is closing in bank for 2 days & no customer will entertained in this period .

After that again I contacted on 4th oct. then I got to know from sumant that there is no settle letter released for my credit card & they have again hold the extra balance 25, 983 from my account.

My concern is after settling my credit card account why bank hold the extra amount from my saving account & why the employee of HDFC bank credit card division denying the previous settlement even megha was still saying my card was settled but she don’t have the reasons for the mess up.

This is a literarily mental & Monterey harassment from HDFC bank & being a customer I felling really helpless to how to get justification .

In between I connected to Mr. Anuj - ( [protected] ) & he is also not helping in this matter.

Please help me out & I am ready to pay as per my earlier commitment to megha, otherwise I have to go in consumer rights court & banking ombudsman of india .
Please consider my case on priority basis & revert .

Thanks & Regards
Naveen Mehta
[protected].

R/SIR/MADAM,

I want to draw your kind attn towards that my self NITIN GUPTA PROP OF M/S RADHA METALS and my a/c no. is [protected]
iam doing complaint twice regarding withdraw my amount from my C/A by cashier ( mr BHUVAN SEHGAL, mob [protected] ) ashok vihar phase 2 delhi branch by overwritting on my cheque .. bt there is no response from your side .
my complaints no. is del063368 and del053769

so iam complaint to you and dis is my last request from my side otherwise iam going to consumer court. so please take an strict action against my complaint as soon as possible

I THINK iam doing a great mkstake bcz iam opening my c/a in your bank . now iam knowning why people say that icici bank is good then hdfc bcz in your bank there is no value of customer in your eyes n customer is not getting any sufficient reply from your side

NITIN GUPTA

i have been trying to be disenrolled with todays options since dec, 31 07. they are impossible to get rid of. my bills are not being paid, because of todays options refusing to disenroll me, i have filed a second complaint with medicare. the bills are getting higher, so i will not receive any medical treatment until this is resolved. i am very angry, and i will spread the word against them and im thinking of getting legal assistance, which i hardly can afford. why dont the todays options co-operate? its determental to ones health, when treated this way, to prevent bills being paid. . a disgruntled lady.

dear sir
i want to request you that please give me dsa of hdfc bank credit card . we have a lot of employee and space . and please tell me how much commission will you provide me.

best regd.

wating for reply in positive

thanking you

rupesh kumar

Feb 11th, 2008
Mr. Saravananranam
The Corporate Manager (Credit Card)
HDFC Bank, PO Box; 8654
Thiruvanmiyur,
Chennai 400041

Sub: Block Credit card Immediate [protected]
Dear Sir,
I was using this above mentioned card since 23/06/2007 and was happy using this card, but one day I came to know my credit limit and outstanding increased beyond my limitation instead of, I am paying regular amount to HDFC bank, it is surprised to me, then I had contacted to your bank local at Delhi (Rajori Garden) to meet Apinder (his Mobile number is [protected]) to understand the interested rate calculation done my bank, Oh! It was really panic for me it is rate of interested rate is 45% PA.
Even I had request few wrong transition was held during 14/01/2008 (double payment to Baja Allianz) and another payment to some US university< which I never obtain and paid amount then I had requested to bank on March 2008 to stop usage of my card because there is dispute, then HDFC did not hear my request and calculated huge number of figure as interest rate and demanding to pay, O! Which I never done such transition from HDFC credit card and HDFC bank asking to pay me… anyway, I Do not know what HDFC done about this complain? I already layoff from my JOB on July 2008, in spite I regular made payment to HDFC till Dec’2008, Same I communicated to Ms. Simaran, Mr. Apinder, but Arpinde calling me 30 call in 15 minutes and he is treads like call again & again my mobile and my residence number without any time limit & frame.
I am surprised, why HDFC hired such un-educated person in bank to destroy reputation of HDFC and forced to break relationship with client.
As I understand from HDFC-Rajori Garden Branch, I already paid to Bank against my outstanding 1, 79, 000 against my credit limited of 2, 91, 000..00 (Please correct if wrong calculation provided by Rajori garden Branch). Now, I am looking forward co-operate from HDFC bank to stop making call to my mobile number and lend line number as harassed my family and me, secondly I am not able to make payment rate @45 % which is my out of scope, really, which I was NOT aware before as rate of interest..I am also requesting please stop calculating interest rate which is NOT practical, I M READY TO PAY INTEREST RATE BASE ON RBI DIRECTION & Guideline, (It is available on RBI website)
I will try to settle my outstanding amount in next six to eight month with mutual understand as I am NOT running away from here or world, but if HDFC creates situation more worst in my family life during this struggle period then I have only option to [censored].
So, I requested HDFC, during this time, please cooperate with me as I am honest person to clear all genius outstanding of HDFC ASAP.
Regards
Suresh KUMAR Chaurasia.
[protected]

Pragnya Arun

I would suggest you to contact MACCAAN ( Moment against credit collection agony and Nuisance ). This organisation is formed to liberate the people from the multinational banks collection harassment .

They deal with all kinds of unsecured /secured loans and help the common layman to come out of the credit clutches.
Pls visit the website :www.maccaan.com for further information on this .

This looks like a boon to the people who are stuck on the hands of the international banks .

Sir
I would suggest you to contact MACCAAN ( Moment against credit collection agony and Nuisance ). This organisation is formed to liberate the people from the multinational banks collection harassment .

They deal with all kinds of unsecured /secured loans and help the common layman to come out of the credit clutches.
Pls visit the website :www.maccaan.com for further information on this .

This looks like a boon to the people who are stuck on the hands of the international banks .

Hi,

I vinish v credit card no [protected] made full and final settlement of Rs 38, 000 ( Thirty Eight Thousand only) with HDFC Bank on 14th May'08

The money was colleted by Mr Sivaram J Deputy Manager - Debt Management.

Please find reciet details for your acknowledgement.

Ref no 0154241 ( HDFC)
Payment invoice - [protected]

Customer contact centre ref no:[protected]

I was told that this is full and final setlement towards my bill. And there will be no harrashment from HDFC Bank.

Today 15th May'08 i called up HDFC Bank and spoke to lady called Reena at [protected]. She saying i have another outstand amoutnt to pay.

My question then why one your employee Mr Sivaram J Deputy Manager - Debt Management commits that there won't be any outstanding amount as in i had made full and final settlement againt my bill.

Why two statement from one Bank...please stop harrasing customers like this...

I hope someone will look into this matter and get to back to me ASAP

Please give me a acknowlegement receipt for the same through email.

Thanks and Regards
Vinish

The customer care could not specify reasons for the denial of credit card, even after all the papers as required by them were submitted in all aspects.

Further, I wanted mail address to be changed from present address gievn to new one, which they are not able to process. To add my woes further, the customers care people are not even solve the above query and insisted, I post my grievances in a website called www.custmerservice.card@hdfcbank.com, which I beleive is wrong. I will love to know, what HDFC has the answer for all the above.

I am also facing the same .It is absolutely correct.
Regards,
Mothi Babu

The above group has moved to:
http://groups.google.com/group/hdfchomeloan

(CONFIDENTIAL AND WITHOUT PREJUDICE)
Attn : Existing HDFC Home Loan Customers - Join Yahoo Group The existing customers of HDFC home loan have formed a group at Yahoo Groups by the name of 'hdfchomeloancustomers' to address the concerns of existing customers who are paying high interest rates. The group unites Hdfc customers and intends to take the issues like high interest rates, conversion fee, increase in loan transfer fee and treatment of old customer's with HDFC. The group is very active, vibrant with people from diverse vocations and regions. Please join the group. Please forward to all you know are HDFC customers"

I am having a terrible time with HDFC at the moment. They are day light looters. I had already paid EMI for 3 years and my principal amount is still the same. When I asked them, they told me that whatever I paid went in to interest! I can't understand why our government not doing anything to stop them from looting the customers. Or govt. think that its our mistake going to these banks. Probably they are right. Can't we, existing customers rather sufferers, have a forum that can advise and stop others from not getting in to their trap.

Just now i came from HDFC office. When I told them that i want to switch to SBI they said prepayment charges would 3%. just 2 weeks before it was 2%. HDFC IS LOOTING. CAN RBI / BANKING OMBUDSMAN HELP CUSTOMERS IN STOPPING THE LOOT.

I too checked my loan agreement & there are no fixed charges mentioned in that. Also they raised their pre-payment charges to 3%. Is HDFC listening to this? What are the legal options in this. Can someone advise if we can approach consumer courts in this case.

HDFC is not applying their latest interest rates to existing customers. From 14 Feb onwards, they are charging 3% (earlier it was 2%) on fore closure which is also big amount.

I am also facing same problem with HDFC Bank.
May I request to concerned authorities to take necessary actions against HDFC.

Dear sir,
I am customer in your bank since 2 year my account no. [protected] Name Manish Kumar Jain
i have deposit cash Rs.19000/-in your bank HDFC Rewa M. P. Branch.dtd. [protected].
Note Denomination 100x100, 50x100, 500x6, &10x100.
Your cashier says we have not Recd.note Rs.10x100.
dear sir this currencies is indian govt.
your cashier atitude is very shameful.
pl. take action .
Regd.
MANISH JAIN
PH.NO. [protected]
email. jainagenciesrewa@yahoo.com

sir,
my query nos are A52851424 & A52851452 about non opening of an oridinary savings bank account in your estimmed firm.I made several complients to your bank, but till time no action tobe taken. it was very shameful action.After a month was went on, an ordinary sb account cannot be open. this is very rediculas. I don't understand that you people do what?
I hope you can understand my problem and do the needful action immediatly. it will more appreciable.
yours faithfully,
vasanthigowrishanker,
chennai.
5.12.2008

statement of account

a/c statement

sir/Madam
I have deposited Rs 5000 in my saving account number [protected]) on dated "10-10-08" but the same has not appeared in my a/c. consiquently my cheque issued to the party bounced. Kindly investigate the fraud done by cashier " Ms Rekha of Kharar branch". We have approached the matter to the bank and they have replied that the matter will be investigated by the higher authorty. We have lodged the complaint on dated 22-10-08 in writting with the bank.

Thanks & Regards
Vivek Mittal
[protected]
182/B SUNNY ENCLAVE
KHARAR

Dear sir,
Reply to SMS no.5676712 regarding

e-statment

saving actt.no.[protected]

Dear Sir,

My saving actt. no [protected]. I have recd.SMS for from no. 5676712 that reply ur correct E-Mail I D for e-statment.
Any corspodance may be done to my E-Mail I.D

My A/c no. is [protected].

worst expirience with hdfc bank, hdfc image lost

you peaple try cheat with the customer's for Rs.200/- Very Shameful, Wrong Commitments, I want Close this Account.

Today one year completed but no any solution is provided yet.

Not Satisfied with your service.

If you want to know more about your service then make a call to 0 - [protected],

Provide me with Regional Service Manager's contact number For NCR (Faridabad)

To: SBI Chief; HDFC Chief
Subject: Faulty ATM Network Operations
Sir/Madam
It is highly disappointing & sorry to inform you that the service is provided by your network of banks are found to be faulty. Your banks are considered to be among the most reputed trusted bank of India & financial transactions are consider to be most critical transactions. Even then, I suffered loss of a considerable amount of my hard earn money (earned by serving the nation on border) due to your faulty & non tested networked ATMs.
On 03/08/08, I withdrawed Rs.3000 from nearest HDFC bank ATM (refer details below in the mail) while mini statement slip showing Rs.6000 less from total amount. When I did call at SBI help line number ([protected]) then they said “you inform to your nearest SBI branch & submit an application there to the branch manager.” But when I met, the branch manager of SBI (sector-41, NOIDA-201301), he rejected my application & advised to go at HDFC branch where transaction had occurred. When I went to the HDFC (Sector-51, NOIDA-201301), they also refused my plea & reverted to SBI. Finally, from both the sides my application was rejected & was directed to the ATM card issuing branch. But owing to distance (the branch is in South), it is not possible for me to. I was made bouncing ball & the sufferer between both of the banks at no fault of mine in this issue.
This entire aforementioned incident has caused lot of agony, pain, aguish, financial loss, mental stress & lower productivity in my personal & professional life.
Hence, I want justice in form of reverting my lost money of Rs.3000 plus the costs incurred (tangible & non-tangible) to get the same bank i.e. Rs.500.
In case I do not get any positive reply from your end by Monday august 18th I have to escalate to Reserve Bank of India.
Transaction Details:
HDFC ATM Slip Details: DATE TIME ATM NO.
03/08/08 12:47 S1ANDE 18 (Sector-34, Noida (U.P.))
CARD NO. – [protected]
S.NO. TRAN AMOUNT
9247 Withdrawal 3000.00
AVAIL BAL- 13045.00
A/C - [protected]
SBI ATM Slip Details DATE TIME ATM ID
07/08/08 10:36 S1AN70066101
CARD NO. – [protected]
TXN NO. - 3927
WITHDRAWAL- 500.00
AVAIL BAL- 9525.00
A/C- [protected]

Bank Daryl’s:
Account Holder Name: Ram Nivas Mishra
Bank Name- State Bank of India
A/C No.-[protected]
Account Type- Saving Account
Regards
Vikas Mishra
Behalf of Ram Nivas Mishra (Defense Personnel)

net banking

When I booked my Fixed Deposit for 1 year 15 days through phone banking they told that my F.D booked at the rate of 10% after ten days I got the F.D. receipt it printed 1year 11 days and the interest rate is 9%. One of my coleage also get the same experience. I don't think it is a typical error some type of cheating is going because before ending the telephonic conversation they repeted the details of the booking that time it is o.k. and how it will change after that.

really correct..

They have the worst customer service among all tha banks...

Abhishek

i m the customer of HDFC Bank from last 5 + year & using credit card from 4 years..i getting calls from bank for the due amount from last 3-4 days ..
Today Miss Neha called me for the payment i told her that the payment will be done today end of the day But the way she is talking is very very rudely & very insulting... After this payment i m going to cancel this card due to this type of services..
I m going to make the strong complaint against Miss. Neha ( Pune- Bund Garden Branch ) for this in consumer court. If you can take any strong action against her please do the needful. as per the HDFC Bank services she is not good resources for the Bank.
I want this neha madam out of the system asap.

Welcome to the club.. see, the biggest mistake you did was actually deal with HDFC, and now repent with your peace, and your mental health ..

life will never be the same again, if you are a customer of hdfc, and by any chance, some emergency comes and you skip a payment or two. They will make you realize that you are the most pathetic person on earth, who should curl in your shell and die.

I have no Credit card of HDFC BANK. Why you send sms on my mobile no.[protected]. Firstly you check the name of Card Holder & Cell No. ask to card holder against mobile no. why you given wrong number.

I requst you don's send SMS again & again.

hi
my name is dinesh kumar.and simply want to know that if the customer account is running one payment behind..that means they give us the threaten call for the lady of the house and trying to kill elder brother if do not make a payment of RS 1790...is this the rule of the bank or the proper training was provided by the HR. I really do not have idea...such a harassment..

I have received the cerdit cards 3 month before, but i haven't received passdword till now. For that i have done the follow up with the call centre people, but no reponse.. i have get.

Dear Team my request is this do the needfull at the earliest.

Sachin Chugh,

I would suggest you to contact MACCAAN ( Moment against credit collection agony and Nuisance ). This organisation is formed to liberate the people from the multinational banks collection harassment .

They deal with all kinds of unsecured /secured loans and help the common layman to come out of the credit clutches.
Pls visit the website :www.maccaan.com for further information on this .

This looks like a boon to the people who are stuck on the hands of the international banks .

i am very harrashed.because, iwant settelment

because, i want settelment

i am using the credit card for past 8 month but the service provide by the bank is really worst. the charges they are putting unnecessarily, also they do not know how to behave with the customer, whenever i not given my amount, one lady name
mhamsa she called me and told some words that is not tolerate by anyone, also other banks are giving best service the charges are also low, not much charges, but they are putting unnecessary charges to the customer, i already send 4 fax letter but they are not sending any response to the customer, bcz they are bank people
they giving lot of pain to the people, if any bank will do like that then why govt not
taking serious aginst them.

if i am not getting proper response i will made a case against them, so anyone please
support to proceed with my activity.

For existing customers the home loan rates are 11.5 and for new customers home loan rates are 9.5 .This is cheating . Since we are already their customers, HDFC is not bothered about us.

Dear All,

I agree there are so called agents who are not HDFC employees.

I strongly suggest at least ensure they have some office and regular business with HDFC for bringing the clients.

Get always things in email minimum.

If at all issue arises contact email addres sprovided for customer service of HDFC and escalate the issue.

First 1/2 times they will try to close issue in normal way, reply to it saying I am not happy with your solution and then they will take everything seriously as they are not supposed to close the mails with I am not happy with solution remarks.

I got this experience man this changed my interest rate from 19 to 14.5 %

let me help you guys out in this.

these banks need business..and for more business they need to contact more people, and to contact more people they have to hire more people which they cannot...now the so called HDFC employees who are calling you guys are not at all this banks employee...they are based somewhere else they collect information and call you up...the worst part is wen you handle your personal banking details to them.

the best part is please move your ### and visit a bank near you to take any loan and never never give away any personal or financial information over the phone.

You let these thieves in your accounts then cry for your losses...its you who can stop it.

be aware open your eyes...never make any buisness deal over the phone...never talk of your bank account over the phone...

dats the best tip i have for all of you...may be for the life time..

I have applied for a personal loans which the executive who had colloected my documments said to me that my loan is to be sanctioned less than a week because due to the HDFC Bank month ending on 31st may 2008 under parallel loan scheme, I was submitted all my documents on 27 th of May 2008 morning hour, but today is 5th May 2008, till date, I am Unable to get any positive answer from their end every time I wrang they said your loan will be approved today 2nd half, one report is yet waiting to come, on 4th May evening one person from your bank came to my chamber asking several questions, which I feel unnecessary because I have a very long term relationship with this bank ..

I have a Car loan of Toyata Innova running more than a years without having any delay in EMI Payment,

I have a personal loan amounting rupees 4 lacs 36thousand running since last 04 months.

I have closed one car loan before date of termination of the loan in your bank

I was applied for this Personal Loans( parallel loan) to purchase medical equipments to run my New Chamber but till date i am unable get any response from the bank end.

Expecting a positive response from your bank end regarding my loan application.

Thanking You

Your sincerely

Dr jintu Bora

[protected]

Nemcare Hospital
Dept- Ortho

Guwahati ( Assam)

want to find the loan ac no, purchase of chervolet u-va car on 03/04/2007