HDFC Bank
Reviews and Complaints

confirm by email

HI MY NAME IS NITIN KARANWAL I HAVE RUNNING MY SALARY ACCOUNT SINC 2011, I HAD APPLIED 6 TIME FOR CREDIT CARD EVERY TIME THEY DECLINE MY CARD BECAUSE OF STANDING INSTRUCTION CAN YOU BRIED WHAT WOULD BE THE ELIGIBLITY I NEED TO CARRY FORWARD FOR FURTHER IN CASE I AM GOING TO CLOSE MY ACCOUT WITH YOU

yes, its all true, dnt evr go for HDFC credit card.

Respected Sir,
Myself Manjit Singh HDF BANK INTERNATIONAL GOLD CARD [protected] has been cotinously requesting for statement of account.but no responce from your executive.Requesting since three months.KINdly send me details and vave off the intrest.Send your executive to collect the money and release my card.There is no fault of mine.You can see my previous statement. Thanks.
MANJIT SINGH

hi sir my atm was misplace i dont no 2 what i do plz

Dear Sir,

this is Usha Lakshmi Aluru giving this mail. I would like to know my car (Santro XO) loan outstanding and my loan account no. I have taken the car on 21July 2006. My car reg no: APo9BE2620, Santro Xing car.

I have mentioned my husbands email id, kindly correspond to that . I want to clear the loan amount from u.

With regards.

Usha Lakshmi Aluru .

i'am facing problem of atm's in gandhi nagar near lower tank bund if i want to draw money i nee dto go to shopper's stop or rtc cross roads so pls do need ful

Hey Puneet,

I think we both are sailing in the same boat I had a due of 300Rs with HDFC credit card I made all payments requested them for a F&F statement and collect the amount but the did not now after one and a half year later they take out 6000RS from my saving account without any notification .

Martin
Cell No [protected]
Gurgaon

I agree with this.. HDFC collection agency is horrible to deal with.. they are trained to humiliate customers..
I would say to HDFC bank - Please force those customers who intentinally donot want to pay.. why do you torcher the honest customers who want to pay but may get late due to certain unavoidable reasons.. in any case bank is charging late fine, financial charges etc etc.. why the hell customers will listen to harsh words even after paying extreme high charges for the delay.

The same thing happend with me also brother with SBI credit card and all i had to do is write a letter to their head of dept and await for the response if u dont get proper response please escilate this issue to court, follow the correct procedure and your concern will be taken care by them or by court.

Regards,
Prashant.

sir,
i am Manish Tawar my credit card no [protected]
i purchased mobile phone on 12 EMI but i had to pay whole amount at a time with processing fee n 2% bank charges.
i would like to convert it in to 12 EMI's as soon as possible i need positive approach from your side otherwise i would have to take legal actions against the same and i am not going to pay even a rupee further..
i am attaching purchasing sleep n card bill which is showing about 12 EMI
and my mob no [protected]
my email id manish.tawar@rediffmail.com
rply me on my email or on my no.
thank you

I have sent a request regarding closing my credit card no. [protected] in 2007 but up to date the card is still working and bill is still coming which is totally false i would like to report a complaint about this and I want to destroy my credit card as soon as possible please take strict actions regarding this problem as soon as possible . I have paid all the due amount so i would like to close my credit card and please grant me NOC or i would have to take legal actions against it..
my mail id is rakesh.srivastava67@gmail.com
my house no is-noida sec-52, 175-c arravalli app.

I have a Addon card with your bank, I have deposite 10000 rs on dated 28.4.2008 but payment was not updated in my account till date, my present statement show the balance in my account 10000 also.

Why my payment of 10000 is not deposite/transfer in my card account

More clarificaiton call on [protected]

financial charges as leived by you on my credit card no [protected] visa should only be unpaid amount instead of whole payment .so financial charges should be reversed back. you can also see my past payment track record., other wise i shall be complled to explore other legal options and will like to switch other bank credit card
thanking you
vijay pal yadav credit card no [protected] visa platinum

I’m using, my HDFC Credit Card from past 7-8 year. I had found Rs.500/- Late fee charged in my statement. I was logged ‘n’ no of complaints (thru e-mail/telephone) to the HDFC Bank customer care to reverse the amount of irrelevant transaction against me. Due to hospitalization i am not able to on time paid the bill, so request you to please reverse my late fee charges. Card No:-[protected]
Vikas Poman

I had an hdfc bank salary account (At hdfc bank, c-17, anand niketan branch, chanakya puri ) with act no-[protected] which i have been using for more than 2 years. 3 weeks back my debit card got captured in another banks atm because of some mal function and i had to approach my branch for a replacement. Even after four visits to the branch in three weeks up to june 29, 2010 and filling up of numerous forms they couldnot provide me with an replacement debit card, cheque book or phone banking or net banking pin at the branch. They were not willing to update either my phone number or address even after i provided lease agreement for home as address proof. This is highly disappointing and unacceptable in an age where other banks are looking to provide competitive services. So people please be careful whom you open salary accounts with.

I AM UNABLE TO PAY CREDIT CARD BILL USING MY HDFC DEBIT CARD, THIS OPTION IS NOT THERE. SOMETIMES OTHER BANK OPTIONS ARE NOT WORKING.

Started banking from hdfc lodhivali branch since approx 11 years. Applied for bank transfer to new panvel branch on 15-07-2009. A/c no [protected]. Want to know reasons for delay. This is my reference no at080014173.

Reminder Note 1

Dear Sir, Madam,

I did worked for HDFC bank my date of joining has 3/06/2011 and i gave Resignation Date 04/07/2011, i had been gave my good work skill with organization of HDFC bank i gave lot of work afford for HDFC bank, because of some personal reason i gave my resignation in hand of Mr, Mitul Mehta BM of Nanpura HDFC bank branch and i did also talk with BM Mr Mitul Metha about my Pay and My F&F but now being 3 month of i did left HDFC bank job but still i m waiting of my pay and F&F.

I did also sent e mail about the same to "mrs aditya puri"and also some bank managers but no one gave even my e mail answer.kindly give my e mail answer about my pay status.

Hence my humbly request to you and HR of HDFC bank Kindly process to my pending pay and my F&F in my Pay bank account.

Best Regards,
Devkrishna Bishnoi,
Mo, +[protected], +[protected]
Contract Executive Employee Code-86552, Nanapura Branch Surat Gujarat.e mail:devsahu2929@yahoo.com

Kindly reimburse the following amt 827.25 dated 17-10-10 & 872.25 dated 15-12-10 as I was not knowing about my zero balance account.
Kindly do the needful and oblize.

Dear sir,
your bank issued the A/C No -[protected] and 1321140000424from last month but we have not receive our chquebook and ATM card for last month to till time we are going to nearst branch of HDFC bank but their services are not satisfied it is a huge problam for us because we are not able to withdraw cash or transferrerd to another a/c if our problam not solve with in 24 hrs then we will going to consumer court

thanks & regards
kapil sharma([protected])mob.([protected])
nitesh raj )[protected]) mob.([protected])

Hi,

i had taken a credit card from HDFC bank in 2004 and in Jan 2005 they charged me wrongly and i did complained them that time only and asked them to settle the bill.

till 2008 they slept over it and i also forgot and now they returned today after my mail for settlement in March 2009.

Today they are trying to armtwist by saying that they will not give my Car NOC unless the card payment is cleared which is charged wrongly.

Regards

piyush

HDFC Bank is a Cheat bank and no one should open the account in his bank. They are bleedy blood sucking parasite which sucks all the blood of the customers. And the most pathetic is there Customer Service. This is ridiculous service I have ever seen in for any bank. Person should even think 1000 times to open any type of account within this bank. THESE PEOPLE ARE BIG RASCALS WHO NEVER UNDERSTAND PROBLEMS OR THERE CUSTOMER.

THEY ONLY KNOW TO DEDUCT MONEY FROM THE CUSTOMER ACCOUNT.

dear sir
my name is kailash vandre, credit card no:[protected]
date of birth 21/10/1979
in dec-2008 i have been oferrd the bajaj allianz mediclaim policy
on the condition of cancellation if not required,
but after giong through all the hard copies of policy docs. i've called customer care dept n requested for cancellation n that is confirmed by
customer care executive. but then also HDFC bank officials sending me the SMS on my mobile no. tht Rs 7000+ AMOUNT IS DUE TOWARDS ME, whereas i've not done any purchase on my cardsince DEC-2008
I M DOUBTFUL whether it is customer care dept OR CUSTOMER HARRASMENT DEPT
PL DO THE NEEDFUL OTHERWISE I'L CLOSE THE ACCOUNT N ALSO NO Q'S TO PAY THE BILL

KAILASH SHANTARAM VANDRE
[protected]

The Customer Care officer

Dear sir

My HDFC card No is [protected].

My Date of birth is 13th february 1962

Now I am shifted to Coimbatore and I want to change my mailing address. Kindly help me in this regard, because I can't able to receive my monthly card statment, therefore payment delayed.

Thanks & Regards

D.Raja
[protected]

Dear Sir,
I have applied for credit card of HDFC online
But still there is no response from your side
WHy should i expect from your side.
Vikram Singh
[protected]

Dear customer,

Due to information security policy, we do not mention full card details, whether closed or open, to avoid any kind of misuse. Moreover we wish to inform that the last 4 digits are unique numbers, to identify who the card belongs to.

Regards, Customer Assistance, HDFC Bank

I have closed my HDFC Credit Card thru settlement in 2010. I have requsted for NO-DUE letter and with much pressure the Bank issued letter but without full credit card number like 1234 xxx xxxx 6789. I takenup with the Bank and the bank officials maintained that they issue NO-DUE letter without full Card number only. When the card is closed why they are not issuing the letter with full card number. This shows their intention that they may again reach the customer with some other dues even for the closed card. Please take care of the Credit card closed A/cs and take the NO-DUE letter properly or else they will land you in trouble after some time.

There is an issue with the debiting of Rs.280/- from my account, and its been harrashed by the bank peoples at there one of the aundh branch. Please look into the matter as fast as possible.

Account No:-[protected]

Hi,

This regarding the charges made to my HDFC Gold card. When I paid the amount in cash, they charged me Rs 50+ Rs 6 as service charges. This is really unfair. Bank is not done any favour to customer by receiving money on credit card, but they charged with amount.

The HDFC credit Card Departmnet is harrassing towards the stolen card payment wherein I have informed the the bank regarding the lose of card & even submitted the FIR acknowledgment also.
Top of that they have hold my salary account in the same bank.

Account No : [protected]

Kindly help.

The HDFC credit Card Dept is harrassing towards the stloen card payment wherein I ahve informed the the bank reaging the lose of card & even submitted the FIR ack also.
Top of that they have hold my salary account in the same bank.

Account No : [protected]

non receipt of statement

Please chor BANK se door rahe

From:
"Prafulnath Purohit"
View contact details
To:
pehredar@moneycontrol.com, customerservices.cards@hdfcbank.com
Cc:
"A26" , "A26" , "aa123" , "AAA sexy" , "aaa111" , "aaa111" , "aaa123" , "AAAA sexy" , "AAAAA SEXY" , aapkiawaaz@moneycontrol.com, "Aishwarya-Rai" , amitvyas24@yahoo.com, "ANIRUDH SETHI" , arihant@arihantcapital.com, arpitshrimal@branch.sharekhan.com, "babbal" , "baggaji" , bansal_pankaj010@yahoo.co.in, bhatiaku@yahoo.com, "covered" , "deepti sharma" , dj_naha@yahoo.co.in, "foregin2" , "foreign" , "foreign3" , "g3" , gunjananand@yahoo.co.in, "hitesh bansal" , "jatin" , kapoorkunal20@yahoo.co.in, "lady" , m_vaidya@hotmail.com, m.mehta@rediffmail.com, "manisha" , "Manoj Dixit" , "mansi shah" , mansi_mesmerising@yahoo.com, "manu" , manu_aga@gmail.com, "medha mukhija" , meetanshika@rediffmail.com, monikagrwl@yahoo.com, nakuljain32@gmail.com, nas_munna@yahoo.co.in, "Nathu Singh Chaudhary" , "neeraj" , neetu_sinha21@hotmail.com, neha2206@gmail.com, niftyneha012@indiatimes.com, pathak_91221@yahoo.co.in, "piks" , "pintu" , "Power-Play-India" , "praful" , "praful purohit" , "prakash gaba" , "Prashant Kumar Pandey" , "Punyam Misra" , raghuveer@bhartitelesoft.com, "rakesh jagdhari" , "renu sharma" , "stock_picks" , "sunny" , susha_3paisa@yahoo.com, "technical" , tejas_tcs@yahoo.com, tushar_tushki_justy@yahoo.com, usha_stocks@yahoogroups.com, valushkha@gmail.com, "Vinay Garg" , "yogesh prajapati" , "yudhisthir das" ... more
Respected Indain Investors, mai aapko ek HDFC BANK Credit Card ki hakikat batana chahta hoo.card No. xxxxxxxxxxxx8360 par 22-06-2008 ko Mr. XYZ Ka due payment 6484=84 Rs bataya gaya tha aaj uske pass jo mobile par due balance 13973=00 Rs bataya gaya per month kitna interest liya jata hai aap all investors dekh le ye credit card chalane wale or inke customer service par baithe all employee cheeter hai chor hai daku hai jo ye is tarah ke kaam karte hai is credit card no. wale insaan ne kitne hi mail kiye par inke koi farak nahi padta hai is liye meri aap sabhi se ye recovest hai ki jinke pass bhi credit card HDFC BANK ka hai wo is ko immediatly close karwa le or in future in ki koi service na le ham log ek dam se pagal hai jo bina kuchch bole inki manmaani par action nahi lete hai.agar kisi ko koi bhi information lena ho to is no. par contact kare +[protected].praful purohitratlamm.p

Re: HDFC, Customer Service Officer

Your bank also sent me Two Balance Transfer cheques of Rs. 10,000/- (4000 and 6000), but it was not utilized by me and were sent back immediately to you and after reminding you so many times, the said amount was debited. In the meantime, your bank imposed charged against said B.T., which was not reverted and the amount has now become Rs. 8803.62 as per your latest statement (june).

For the same, I have contacted you every month, your executives tell me to pay the actual amount against my purchases, and they will revert the extra amount in the next statement.

It has been a very long time since I am contacting you for this matter and despite of my written reminders (by post and mail) to you every month since January, note that you have taken no action till date.

I have duly paid all my dues (monthly) in time and am not liable for any other payment. One of your executives came to my residence in the month of January and asked for Rs. 420/- against settlement amount. I duly paid the said amount also. But the same thing was repeated in the statement of the next month also.

Besides, your recovery agents contact me every month and threaten me to pay the extra amount otherwise they will come to my residence and will create unnecessary nuisance. Note that I have also stopped using this credit card now.

Thanking you,

Bhupinder Singh

I am a credit card holder of HDFC bank and the card Number [protected]. I am regular in payments of credit card dues. Unfortunately for the last 4 months even I drop the cheque at the HDFC drop box at Paradise, Secunderabad, Andhra Pradesh in time, the authorities state that the payment is not received in time and charging interest and late fee charges. It became a regular practice of the bank.

This is to bring to your kind notice that I, G.Vijay Bhaskar Reddy working as Asst.Manegar (YOU TELECOM INDIA (P) LTD CUSTOMER CARE , applied for credit and unfortunately my House address and date of birth were entered wrong in the application by your sales executive . WITH THAT SAME ONE OF YOUR CRADIT VERRYFICATION EXECUTIVE VISITED WITH RE VERRYCATION FORM MY WORKS PALCE .AND HE HAS COLLECTED MY SIGN ON REVERRYFICATION FORM & verification was over and your executive with the incorrect Flat No 204 did the residential verification. Please be noted, my DOB: 24.04.1974 and my residential address given below.

G.Vijay Bhaskar Reddy

F.No:104 (OWNED)

Sri devi residency

plot no 38

HNO 30-266/38

Venkateshwara colony extn 2

Old Safilguda

Secunderabad

Please expedite my credit card clearance and make me aware on the application status.

Thanks and regards,
--
G. Vijay bhaskar Reddy
Asst maneger (customer care)
youtelecom india (p) ltd
3rd floor Gowra plaza
SP Road Begam pet
Hyderabad
ph no [protected] ext 2027
mob.[protected] & [protected]
Mail .vijayb.reddy@youtelecom.com

You take the acknowledgment of the request that you have given and there after if they are irresponsive you can just raise a complaint against the concerned officer and his recklessness of the performance of duties.

Regards,
Nipun.

They bank service is pathetic. Customer service is very bad and they are rude. The bank charges for everything if you don't maintain the balance for one days also and it is not AQB. According to them it is per day which they don't mention when u open an account. Very bad service. They charge and make money from customers.

I am facing the same problem.

http://hdfc-worstbank.blogspot.com/

HDFC customer care sucks..Calling 100th time & there is no option listing for speaking to customer care executive.

PATHETIC service in the whole of INDIA. I am an NRI and I am going to complain this to the international banks authority also have sent an e-mail to the grevience cell. Point is nothing can happen as this is the umpteenth time I have complkained and not a single [censored] head from this [censored]all bank has called me or sent any information. Apologies guy, my advice all of you all over the world, stop banking with this F'd up never usefull bank, and one day in the years to come they will close down. Maybe not possible what I am saying but doable if even 1000 people stop banking with them at one shot.

This is sathish (ref no .[protected]).I have applied a personal loan .But my loan application has been rejected though i have eligibility to get a personal loan ..i produced all the documents which are needed for granting of loan.Verification has been done .i want to know the exact reason behind the loan rejection..i think nobody applies a personal loan for timepass .

complents

WHAT ABOUT THE CHQ PAYMNT

THIS IS TO INFORM YOU THAT, , I RAHUL AMBAVATA WORKING IN THE SPARSH BPO SERVICES --GURGAON .AND MY ACCOUNT IS OPENED IN THE HDFC BANK AND IN THE MONTH OF SEPT AND IN THE NEXT MONTH I DROPPED A CHQ(RS7847/-) OF MY SALARY IN ONE OF THE BRANCH'S IN GURGAON(11TH OCT'08)AND DUE TO NOT ACTIVATION OF THE ACCOUNT MY CHQ WAS NOT CLEARED AND AFTER FEW DAYS I WENT TO THE BRANCH FOR THE CHQ, , THEN THEY REFUSED TO GIVE THE CHQ BACK TO ME AND SAID THAT I (RAHUL)HAS TO COLLECT THE CHQ FROM MY HOME BRANCH WHICH IS IN THE NOIDA(UP) SEC-16...AND ON 18TH OF NOV, , , I PERSONALLY VISITED THERE FOR THE CHQ BUT TILL THAT DATE THE CHQ WAS MISSING AND THEY DIDN'T GAVE ME MY CHQ BACK AND ATER MANY CALL THE CONCERNED DEPPT WAS NOT GVING ANY RESPONSE TO ME.NOW I'M SAYING THAT PLZZZZZZZZ GIVE ME MY CHQ BACK AND HDFC BANK CORPORATE MANAGER MR.AASHISH SARNA IS NOT READY TO TALK AND ALSO SENT A MAIL TO THE BANK BUT NO RESPONSEAND I HAVE NOT RECEIVED MY CHQ TILL NOW ?

I have called and mailed HDFC customer care centres many a times i.e from past two months but till date i didnt got any response from them. Besides this I have also contacted my branch office at Khanna, Branch office's executive says that they cannot help me as the deatils can only be extracted from Mumbai. But when contacted at their customer care centres I receive just one reply that within 2 working days my complaint will be resolved but till date their 2 working days are still continuing.

I have done some share trading through my above mentioned account. I asked bank authorities to forward me entire details of Share traded through my account.

Bank A/c No.[protected]

please do the needful

Next Time when u call, record the conversation using speaker phone in video cam or mobile cam & got to consumer court.

I am being Harassed by you leagal Advisor Mr. sudhanshu sharma from Bangalore. When I am ready to pay the amount and that too at one shot, why the helll you are supposed to call my office and threaten my parents. I am not going to pay any thing now till the time i talk to people who have threatened my parents.

Regards,

Rajnish Sharma

THIS is to add from my side these HDFC CARD PEOPLE & SPECIALY THE CUSTOMER SERVICE EXECUTIVES ARE BEYOND CHEATERS ? ROBBERS AS THESE PEOPLE IN PITY HELP THE DISTRESSED BUT THIS HDFC BANK PEOPLE COMPELL THE CUSTOMER TO CREATE FRAUD BY PRESSURISING & FREQUENT CALLING THESE PEOPLE THOUGH OPERATING IN INDIA & MAY BE MOST OF THEM ARE INDIANS HAVE NOT YET LEARNED INDIAN CULTURE & THE INDIAN ETIQUETTES HENCE THEY TAKE THE CUSTOMER FOR GRANTED AND N NUMBER OF PEOPLE CALL ONLY ONE SINGLE CUSTOMER FOR THE SAME SILLY CAUSE & KEEP AWAY THE MAIN COMPLAINTS TO BUY OUT THE TIME SO THAT THE CUSTOMER IS FRUSTATED .THGIS IS MY COMPLAINT AS UNDER NOT YET REPLIED

It was pleasure at last I got a reply may not totaly irrelevant but not precise too .I further repeat my words with Poonam madam on Oct 20, 2008 that the worst condition of Consumer / Customer is in India where any company / Institution can rule the Customer and for a sound reputed esteemed bank like HDFC it should not take even minutes to understand penalties / assets / liabilities .When the penalties or charges in other words like Rs.700 for check bouncing, interest on delayed credit card payment is documented the bank's liabilities towards compelling the customer to lead to fraud & sending gundas, recovery agents for HDFC CARD payments with ICICI bank I CARD entering the house is surely due to the recovery agents appointed by the bank but where there is no undue recovery this is a thief entering the HDFC Card customer's house without knocking & trying to steal goods & when noticed showing the ICICI Identity card yet this is brought to the notice of the Local HDFC Branch Manager & Confirmed alas GOD BLESS them those who are spelling out to fetch justice but cannnot .SO MADAM ITS FINALY A CHALLENGE PLEASE SAVE THIS DOCUMENT AS PRINTED COPY THAT HDFC CANNOT FETCH ITS CUSTOMERS THE RIGHT, JUDICIOUS & LEGIMATE JUSTICE BECAUSE IT WILL AFFECT TO GREAT EXTENT.BECAUSE IF YOU REALY GO THROUGH THE SEQUENCE, STUDY IT CRITICALY THEN TELL ME IS IT WORTH TO DISCUSS ABOUT THIS COMPLAINT ON PHONE ONLY JUST TO CONVINCE ME THAT MY CARD IS SENT ON MY CARE OF ADDRESS PLEASE FORGET THE BANK HAS NOT DONE ME A FAVOUR BUT THE OFFICIALS HAVE TRIED TO SAVE THEIR JOB DUE ON THE VERGE OF FIRED OFF DUE TO THEIR OWN MISTAKES.
MY HDFC GOLD CARD No. [protected] EXPIRED ON 30.11.2006
I BROKE IT & DROPEED IT IN THE ATM DROP BOX AT AMRAVATI WITH AN APPLICATION TO ISSUE NEW CARD .I DIDNOT GET THE CARD WHILE IT WAS SENT BECAUSE I WAS ON TOUR & MISSED THE DATES THE CARD WAS SENT I THINK TWICE AT AMRAVATI.I HAD TALKED WITH THE CONCERNED PEOPLE .THIS CORRECT TO VERIFY THAT THE CARD COULD NOT BE DELIVERED IN 2007.
AS DUE TO TRANSFER I SHIFTED TO JALNA & TRANSFERED MY ACCOUNTS TO JALNA HDFC BANK ( YOU CONFIRM THE DATE & TRANSFER TOO) THEN I CALLED ON THE CARD CALL CENTRE No. FOR ENQUIRING
1. THAT CAN I GET THE CARD ON THE ADDRESS I HAVE FOR MY HDFC ACCOUNTS . "REPLY WAS YES "
2.I CLEARLY TOLD THE LADY ON PHONE MY ADDRESS IS
P.S.PATIL
C/o ASHOK S TELANG
17, STATE BANK COLONY
KARWA NAGAR
JALNA 431203
I PURPOSELY ASKED HER THAT IS IT POSSIBLE TO DELIVER THE CARD ON THIS ADDRESS THE LADY REPLIED YES YOU JUST SEND US THE FAX .
I SENT THE FAX I HAVE COPY WITH ME .
THEN THERE FOLLOWED A SILENCE ZONE OF SOME 25 -30 DAYS WHERE I HAD TO AGAIN CALL TO ENQUIRE WHAT HAPPENED TO THE DELIVERY OF CARD THAT TIME THE REPLY BLASTED OUT AT ME WAS DON'T YOU UNDERSTAND THE CARD CANNOT BE DELIVERED AT C/o ADDRESS.
3.WHAT A POOR MAN LIKE ME CAN DO AGAINST THE GIANT BANK LIKE HDFC & ITS EMPLOYEES HAD TO REQUEST FREQUENTLY THEN I MET A CUSTOMER SERVICE LIKE THE BESTOWMENT OF RELIEF THAT OF A GOD HE WAAS REALY INTELLIGENT BUT HIS MISTAKE WAS HE THOUGHT THE CUSTOMERS ARE REALY FOOLS .
HE ASKED ME SEND A FAX OR LETTER JUST OMMITING OUT THE C/o WORD FROM THE ADDRESS SO THAT HE CAN ARRANGE THE DELIVERY OF THE CARD .
BUT I WAS SUDDENLY SHOCKED AS I REALISE SENDING THE SAME DOCUMENT IN TWO TYPES IS EQUALY A FRAUD HENCE I PAID FEES TO ASK THE LEGAL PEOPLE IF I SEND THE FAX WITHOUT C/o WORD WON'T IT BE FRAUD OR FRADULENT ACT OF MINE ALL TOLD ME I WAS CORRECT SO CONVEYED THE GENTLEMAN THAT I DON'T WANT COMMIT A FRAUD .
ONE FINE MORNING A COURIER GUY BOUGHT THE CARD WHICH I POLITELY REFUSED TO ACCEPT AS I HAD INTIMATED THE CUSTOMER SERVICE EXECUTIVE THAT UNLESS YOU SEND ME THE DETAILS OF
1. THE DELIVERY OF CARD WILL BE AT XYZ ADDRESS & THE ADDRESS IS ACCEPTED BECAUSE TOMORROW SOME OTHER WISE EMPLOYEE OF THE BANK SHOULD NOT OPEN UP QUERRY TO PROVE HIS WORTH & CAUSE THE DEATH OF THE CUSTOMER.
2.WHAT ARE THE LIABILITIES OF BANK TOWARDS THE CUSTOMER FOR
TORTURING HIM CONTINUOUSLY ON PHONE
MISLEADING HIM & HIS QUERRIES
CAUSING SEVERE FRUSTATION TO THE CUSTOMER PURPOSEFULLY
CALLING THE CUSTOMER WITHOUT PRIOR APPOINTMENT AT ANY TIME
WHAT ABOUT THE LOSSES DUE TO THE 17000 OR SO RUPEES WHICH COULDN'T BE TURNED OVER DUE TO THE HDFC EMPLOYEES MISTAKE
3.IT WAS SURPRISING THAT I GET ALL THE MAILS CORRECTLY I GET THE PROMOTION OFFERS CORRECTLY ON THIS SAME ID AGAIN THERE WAS ENQUIRY IN REALY DESCENT WORDS THRICE BY SOME MADAM ABOUT MY EMAIL ADDRESS.
4.BEING A LIFE MEMBER OF THE HUMAN RIGHTS ORGANISATION, CONSUMER CONSORTIUM & A TRUE SELFLESS WORKER FOR THE CONSUMERS / CUSTOMER'S RIGHTS I HAVE PUT MANY PEOPLE ON THE TASK TO STUDY AND CORRESPONDENCE WITH THE BANK CAN BE FETCHED TO THE PRESS AS PER MY WILL & THE RIGHT ENTRUSTED BY THE CONSTITUTION TO ME AS THE CITIZEN OF THE DEMOCRATIC COUNTRY INDIA.AS I DON'T WANT TO HIDE PLEASE BE INFORMED ON THIS ASPECT.
5. THE CUSTOMER SERVICE MAESTRO WAS REALY KIND LIKE SANTA CLAUS TO PLEASE ME THAT THE BANK HAS ADDED FEW POINTS AS BONUS POINTS FOR THE CREDIT OF Rs 17000 .CONVEY MY THANKS TO HIM WITH A MESSAGE THAT I AM NOT A BEGGAR TO BE PLEASED FOR THE FEW POINTS I DON'T NEED THEM CAUSE I HAVE PERFORMED MY DUTIES & NOW I NEED MY RIGHTS .
I BELIEVE IN MISTAKES CAN BE FORGIVEN BUT BLUNDERS MUST BE PUNISHED .
6.FURTHER YOUR STAFF BELIEVES OR RATHER IS FUND OF DISCUSSING ISSUES ON PHONE ONLY PLEASE TELL THEM THAT THE CUSTOMERS HAVE OTHER WORKS LIKE WORKING TO EARN DUE TO WHICH THEY ARE ABLE TO AFFORD THE ONE WAY LEVIES OF THE BANK LIKE CHEQUE BOUNCING CHARGE, MINIMUM BALANCE CHARGE, HIGH VALUE CHEQUE CLEARING CHARGE AND HENCE THE HDFC EMPLOYEES SHOULD NOT DISTURB THEM WITHOUT PRIOR APPOINTMENT.
7.MY OFFER STILL OPEN IF THE PEOPLE DEALING WITH MY COMPLAINTS ARE GENUINE TO THE CAUSE THEN I AM READY TO BEAR THE
A] AIR TICKETS TO & FRO UPTO AURANGABAD FROM ANY DESTINATION IN INDIA
B] ONE FULL DAY STAY IN HOTEL RAMA AURANGABAD
C] AIR CONDITIONED TAXI SERVICE TO & FRO TO JALNA TO DISCUSS WITH ME ABOUT MY COMPLAINTS AND ONCE FOR GET ME RID OFF FROM THIS PHONE TORTURES WHICH HAS LED TO
1.IMPARING OF HEARING
2.CONTINUOUS HEAD ACHE .
3.INCREASE IN BP.
4.ALWAYS FRUSTATED MOOD AFFECTING MY DAILY WORK
5.BEARING TORTURES OF THE BANK PEOPLE HAS CHANGED MY WAY OF DEALING WITH PEOPLE THAT I HAVE STARTED FROWNING FREQUENTLY.
PLEASE FOR GOD SAKE ASK YOUR CALL CENTRE PEOPLE THAT PHONE ARE FOR TALKING FOR MINUTES & NOT HOURS .
THIS ALL AS TIME IS RUNNING OUT ABOUT THE CURRENT COMPLAINT SITUATION YET BE ASSURED I AM CONFIDENT THAT HDFC IS NOT A RESPONSIBLE BANK AS THE COMPLAINT OF GUNDAS COMING FOR RECOVERY WITHOUT ANY REASON AND ASKIN ME COME TO CHOWK WAS CONFIRMED IN PERSON WITH THE HDFC AMRAVATI BRANCH MANAGER IN 2004 YET NO REPLY SO MUCH RESPONSIBLE IS HDFC THE GREAT & ESTEEMED BANK OF INDIA .THE EMPLOYEES ARE IN ILLUSION THAT WHAT CUSTOMER CAN AFFECT THEIR GREAT STRENGTH OF THE BANK THEY ARE ALSO RIGHT .HENCE THE JUSTICE IS FLATLY DENIED I SAY LIKE THIS BECAUSE MAY I HAVE LEARNT IT WRONG IN MY CHILD HOOD THAT " JUSTICE DELAYED IS JUSTICE DENIED "
CERTAINLY HDFC HAS DENIED ME THE RIGHTFUL JUSTICE ALONGWITH THE GIFT OF TORTURES, FRUSTATION, FORCING ME TO LEAD TO COMMIT FRAUD UNKNOWINGLY, THE RECOVERY GUNDAS ASKING ME THAT WHEN I WAS NOT CAPABLE RATHER IN THEIR WORDS " SAALE TERI AUKAAT NAHI THEE TO CREDIT CARD KYO LIYA " HERE PLEASE UNDERSTAND THAT MY AUKAT OR STANDING WAS SUBMITTED IN TERMS OF THE PAPERS AGAINST WHICH I WAS GIVEN THE CARD THEN WHO ARE THESE HULIGANS GUNDAS AS COLLECTION AGENTS TO THREAT ME ME IN SUCH WORDS AND YET AFTER CONFIRMATION IN PERSON FACE TO FACE ALSO INFORMING Mr SHAILESH WHO WAS LOOKING THE CARDS RECOVERY IN NAGPUR ALSO IT IS RIDICULOUS WHY THE AMRAVATI BARANCH MANAGER HAS NOT TAKEN CARE & CONVEYED ME THE ACTION TAKEN .
THANKS.
BECAUSE I HAVE BEEN BROUGHT UP WITH A STRANGE PRINCIPLE THAT
On Wed, 22 Oct 2008 HDFC Bank Credit Cards Support wrote :
>Dear Mr Patil,
>
>
>This is further to your email dated October 20 2008, and subsequent
>conversation with my colleague, Ms. Poonam Khatri
>regarding your credit card account.
>
>We take this opportunity to inform you that we are looking into the
>concerns expressed by you and will provide our detailed response to you within
>seven business days. We request you to bear with us in the interim
>
>Assuring you of our best services always.
>
>Regards,
>
>Shalini
>Deputy Manager Correspondence
>Customer Services - Credit Card
>
>-----Original Message-----
> From:
>
>punjaji@rediffmail.com
> (punjaji@rediffmail.com)
>Date:
>Monday, October 20, 2008 07:58
> AM
>To:
>customer_service@hdfcbank.com
> (customer_service@hdfcbank.com)
>Subject:
>
>Complaint/Feedback for - Credit
> Cards NET.CS.Hpg
>-----------------------------------------------------------------------------------------
>Customer
> Type : Resident Indian
>Customer Name : PUNJAJI S PATIL
>Country :
> INDIA
>City : JALNA
>Residence/Office No. :
> [protected]-Ext.
>Mobile No. : [protected]
>Email ID :
> punjaji@rediffmail.com
>Product about which Complaint / Feedback :
> Credit Cards
>Other Product about which Complaint / Feedback :
>Your
> Complaint / Feedback (s) : 1.Do you know that your employees compell the
> customers to create fraud purposefully & then harass them . 2.As you
> have all fixed penalties like Rs.700 for bouncing of Cheques etc do you
> have the rules for the liabilities to be born by the bank for the mistakes
> of the bank & bank's employees . 3. Do oyu agree that your branches
> sends gundas for the recovery collection which is not over due & these
> hooligans talk very raw at home or on street with the customers .
>Are
> you HDFC Bank's Customer? : Yes
>Relation with Bank : Credit Card
> Holder
>Account / Credit Card / Loan Account No. :
> [protected]
>Branch Name :
> AMRAVATI
>------------------------------------------------------------------------------------------
>"Disclaimer: The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise .The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd. "

Please chor BANK se door rahe

From:
"Prafulnath Purohit"
View contact details
To:
pehredar@moneycontrol.com, customerservices.cards@hdfcbank.com
Cc:
"A26" , "A26" , "aa123" , "AAA sexy" , "aaa111" , "aaa111" , "aaa123" , "AAAA sexy" , "AAAAA SEXY" , aapkiawaaz@moneycontrol.com, "Aishwarya-Rai" , amitvyas24@yahoo.com, "ANIRUDH SETHI" , arihant@arihantcapital.com, arpitshrimal@branch.sharekhan.com, "babbal" , "baggaji" , bansal_pankaj010@yahoo.co.in, bhatiaku@yahoo.com, "covered" , "deepti sharma" , dj_naha@yahoo.co.in, "foregin2" , "foreign" , "foreign3" , "g3" , gunjananand@yahoo.co.in, "hitesh bansal" , "jatin" , kapoorkunal20@yahoo.co.in, "lady" , m_vaidya@hotmail.com, m.mehta@rediffmail.com, "manisha" , "Manoj Dixit" , "mansi shah" , mansi_mesmerising@yahoo.com, "manu" , manu_aga@gmail.com, "medha mukhija" , meetanshika@rediffmail.com, monikagrwl@yahoo.com, nakuljain32@gmail.com, nas_munna@yahoo.co.in, "Nathu Singh Chaudhary" , "neeraj" , neetu_sinha21@hotmail.com, neha2206@gmail.com, niftyneha012@indiatimes.com, pathak_91221@yahoo.co.in, "piks" , "pintu" , "Power-Play-India" , "praful" , "praful purohit" , "prakash gaba" , "Prashant Kumar Pandey" , "Punyam Misra" , raghuveer@bhartitelesoft.com, "rakesh jagdhari" , "renu sharma" , "stock_picks" , "sunny" , susha_3paisa@yahoo.com, "technical" , tejas_tcs@yahoo.com, tushar_tushki_justy@yahoo.com, usha_stocks@yahoogroups.com, valushkha@gmail.com, "Vinay Garg" , "yogesh prajapati" , "yudhisthir das" ... more

Respected Indain Investors,
mai aapko ek HDFC BANK Credit Card ki hakikat batana chahta hoo.card No. xxxxxxxxxxxx8360 par 22-06-2008 ko Mr. XYZ Ka due payment 6484=84 Rs bataya gaya tha aaj uske pass jo mobile par due balance 13973=00 Rs bataya gaya per month kitna interest liya jata hai aap all investors dekh le ye credit card chalane wale or inke customer service par baithe all employee cheeter hai chor hai daku hai jo ye is tarah ke kaam karte hai is credit card no. wale insaan ne kitne hi mail kiye par inke koi farak nahi padta hai is liye meri aap sabhi se ye recovest hai ki jinke pass bhi credit card HDFC BANK ka hai wo is ko immediatly close karwa le or in future in ki koi service na le ham log ek dam se pagal hai jo bina kuchch bole inki manmaani par action nahi lete hai.agar kisi ko koi bhi information lena ho to is no. par contact kare +[protected].praful purohitratlamm.p

Lesson learned from personal and individual experience - Never take any credit card. CC are big fraud by MNC's

Posting comment does this help.
I am the victim of this credit card division of Hdfc bank. They never sent any statemnet to me. and all of sudden i was surprised that from my account 13000 was transfered by the collection department.I thought ok fine now its finished . Now again after more then 1 year these guys wake up and without any prior notice the blocked my account. and to a surprise today when i checked 6960 was again withdrawn from my acount by the credit card department FUND TRF DM-[protected]. I dont know how long i have to pay which I am not owing. I am running to and fro to get hold of customer care executive for the settelment but every time i am said this is not the right department and a new number is given to me which i am unable to get through. I emailed to HDFC 2-3 times but no response.
Please let me know what should i do. My hard earn money is goping in waste which i am not owing.

i am beeing harrased by HDFC people like crazy for the payments...i have been out of town and cldnt make the paymeny on time...the collection executives call and abuse on phone..they say all inds of words to u ..and on asking their name they say we are HDFC...
i want to file a case against them...they have been harrasing like crazy...if u can take heed of it the higher authorities ...then look into it...i am filing a case against you people...

Woah!

Great article. I completely agree. I also know of people who are getting calls from so called Police officers, who are threatening the debtors to pay off the credit card dues. The debtors are being informed that there is a 'non-bailable' arrest warrant against them. However, if they (debtors) wish to reconcile, then by making a payment to the bank could solve everything within 15 minutes!

The purview / guidelines set by the Reserve Bank of India

(and being followed to the 'T' by HDFC bank)

The Professional way for the Collection Method by HDFC BANK :

The usual course of business to remind of payment obligation, follow-up calls and the professional method by HDFC,
the concerned Bank's representative initiates intimidating phone-calls to the victim's family in his absence by making unprofessional way of a routine payment follow-up call.

The concerned Bank pretend themselves some time senior police officer or some time a senior lawyer from Patiala Court .

The concerned Bank unleashes repeated threatening to the victim's wife as well as the entire family that they were coming to seal off the home (of the victim) in any moment of time.
They repeatedly scare the victim's family by saying that “ Right now, we are at Jamia Police Station so get the entire belonging out of home
within an hour and we are coming with a police to seal off the house”.

The concerned Bank calls the victim's home from the phone numbers (mentioned below).
HDFC Bank rushes to the victim's account (Saving Account : [protected]) and withdraws the entire Savings (Fund TRF-DM-[protected])on 23/11/1004 without serving any prior notice to the victim.
The boastful calls made by HDFC's Rep over the phone with threatening like "" I am in Jamia Nagar police Station with the court order for House-to be sealed. So get out of house immediately with your belongings or deposit the outstanding within 2 hours...
Those calls came from G I Dogra(claiming to be a senior Advocate, Phone NO: [protected] ) threatening to seal the home.
Similar calls made claiming to be from Tees Hazari Court (Phone NO :[protected], [protected]).
Again, a call was received claiming to be from Gurhgaon Police Station (Phone No: [protected]).

What a mockery! One of the call came from Sangeeta PS claiming herself to be a Senior Judge(Phone NO: [protected], [protected], [protected], [protected] ).

So I hope that when these guidelines adopted by HDFC BANK in this victim's case that is me, are referred to the RBI, these professional ways and professional methods will help RBI strengthen the Economy of the Banks concerned in a very HUMANE and HEALTHY way!

Please understand ! that I have fully and very well understood the guidelines set by RBI...and applied and followed by HDFC BANK?

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.”