This bank provides very bad service, I am one of the reputed account holder of hdfc. one day my hdfc debit card lost. i applied for new one one month before, but till now i didn't get that. the peoples of karapakkam, chennai branch behaved rudely with me. I am very unsatisfied with this bank. Also I get credit card but i didnt get i-pin no. of that. my contact no. is 07845934257

I had appllied and received a credit cards from HDFC bank . they hadn't properly intructed me in the mean time i didn't get my cards bills, i noticed from SMS that company had heavyly charged me unnecessarily. I requested for bills again and when i received the bills, i was shocked to see an amount of Rs.2000/- charged me unnecessarily. i complaint for that ammount but they told me to deposit Rs. 2500/- in credit cards account then we will waive off your Rs.2000/- (charged ammount) and that time i had deposited Rs.3000/- in my credit card account and they waived off that particular ammount. in the mean while(April2009) i had visited chandigarh and done some shopping but i realized that time my card not activated from them. when i came back after one week and called recovery centre for activation of my card. that time my due ammount was near about Rs.20000/- inclueded all charges. because my card was not activated hence i didn't deposit any money.

I was asked from recovery side to deposit Rs.1000/- but it was not sure wheather my card will be activated or not.but still i was ready to deposit the amount but due to my personal commitment it delayed one or two days and same time i recieved a call from recovery side and she misbehaived me and quoted me " AGAR APKI AUKAT NAHI THI VAPIS KARNE KI TO PAISE KYO KHARCH KIYE " to this i got annoyed and didn't deposit any money. then i recieved a call from RITIKA from recovery agency and she appolozied on behalf of her. then i deposited Rs.1100/- on her request in my account and she promised me waivedoff all the charges and activate card also within 15 days.

Nobody ask me up for a month thereafter. then i received a call again from RITIKA and she asked me a deposit balance amount. I required about the waived off charges which was pending a fault from them and i again requested card which was not done. she declined to give any waiver and insisted me to deposit the money.


then after a month a representative of recovery channel came with the due amount of Rs. 28000/-. He asked me for submit Rs. 5000/- and sattle for card acount. But I Refused for the same.

After few days,I received a letter form their Credit Card legal cell and immediatly I called up their mentioned number but same she didn't give me good response and she told me that your card will not be activated and if didn't deposit their full amount you will not get any banking service from HDFC. I was very tense that time and i didn't understand, what to do now. I again received a letter from HDFC BANK and mentioned their Mr. LALIT no.09317782417. I called up his no. and discussed all that things which was happend during that period. he promised me to clear all the dispute and sattle with Rs.20000/ but after two month I've also one opend new salary account in HDFC BANK and Credit Card department Hold my salary which was company cradited Rs.25,204/- on 30th july. after that i again called up to Lalit, he told me that i couln't help you but do one thing to call bank help no.9815331111 and registered your compaint now. I call up their they told we didn't handle cradit cards queries so ragistered your compaint on credit card centre01724694332.I ragistered my complaint their and Executive MEGHA told me that someone call you from our side within two days. when i didn't get any call from their side,I again called up and another Executive DEEPALI told me same wording. Nobody call me and I have received a letter from HDFC CREDIT CARDS DIVISION. And my balance amount is within one year 38,405.98 I shocked to see their amount and realized bank charge me up 50%. now they want to sattle with me hold that my particular amount Rs.25,204.00 but also said if you will not pay your all pending amount, always you will be defaulter of bank and will not get any any banking services.


Sir, I was discussing all that dispute regarding card with mr. Lalit from last two month.and he promised to resolved all dispute all. But now I realized they don't want to resolve my queries. they only want to hold my accout amount that why banks hold my amount without taking any explanation from me and hold my account if i didn't give any answer to them, credit card cell debit all amount 25204/-from my account without any explanationon dated 14/08/2010. bank didn't realized their fault. kindly resolve my problem as soon as possible.

Regards,


kamal Sahni

City- Pathankot
State- Punjab
Mob.-(09463970315)
Email- sahni.kamal@gmail.com
Credit Card No--4346781003755956
Hold Account No.- 05721610026976 ( Hdfc Bank Gurgaon)

i have logged the complaint ---DEL254686 at HDFC Customer Care that i have not got the full amount or transaction .i have withdraw the amount of 2500 and got only RS 1000 ,the amount of RS 1500 was not received from the HDFC ATM. twice or thrice call received from the HDFC Customer care Executive M/s Jyoti and Mr. Khan both were not gave a satisfactory answer they said that they have checked the ATM Transaction not the CC T.V footage.and there is not mistake at there END.So Please help me to resolve the issue,i will got my money back if they will check there ATM CC T.V Footage in that i have shown the amount which i have received......Vikram 09350771588

Dear Mr Sahni,

A bank representative is currently investigating this matter and will shortly contact you to resolve the issues of your dues. We request you to bear with us while we try and sort out this matter as quickly as possible. In the interim, should you wish to contact the bank, we request you to write to us directly at talktous@hdfcbank.com with the reference id TTU00087211082010.

We would additionally like to caution you against posting sensitive information such as your account and credit card numbers on a public forum such as this, as it may lead to your account being compromised.

Regards, Customer Assistance, HDFC Bank

Dear Mr.Vikram,

We are already investigating the matter. Request you to write in to us at talktous@hdfcbank.com with your contact details as well as the reference id TTU00065312082010. A bank representative shall contact you as soon as we receive this information.

Regards, Customer Assistance, HDFC Bank

Actually I had submitted my complaint regarding credit card and also I've complant against channei HQ at grievance centre - and my compaint no.- 10225734412. the told me that we will send you a settlement letter to your email id but today they have debited all amount 25204/- from my account.still i"ve not received any mail.
yesterday I've received a call from recovery side and i didn't agree a terms of them which are they told me.all the terms are one sided thats why i refused so they cut the phone and after that i called up a other no which were mentioned on notice. but that concerned lady suparna sharma told me that if you have agree with our term or not we will debit on your account tomorrow(14/08/2010)
its all they have done like as DON so please suggeset me what is the proceedure if i want to complaint against which is the best way for me. its not only my metter. it is metter all that conerned persons who are suffering from them. already I've submitted a complaint against them (12/08/10).


Regards,


kamal Sahni

City- Pathankot
State- Punjab
Mob.- 09463970315
Email- sahni.kamal@gmail.com
Credit Card No--4346781003755956
Hold Account No.- 05721610026976 ( Hdfc Bank Gurgaon)

Dear Ms Sahani,

At the outset, we would like to caution you against posting sensitive information such as your account and credit card number on a public forum such as this, as it may be misused, leading to grave losses.

We would need some more time to resolve the issue raised by you and request you to bear with us. We will revert to you within three working days.

We urge you to treat this delay as an exception and assure you that we are committed to quality customer service.

We apologize once again and re-assure you that every effort from our side is being made to have your problem resolved at the earliest.

Regards, Customer Assistance, HDFC Bank

Dear sir/madam,

we have already provided chargeslips of disputed amount asked by hdfc bank for the disputed transactions. After providing chargeslips two times also hdfc get the amount debited from our account. After a lot of complaints regarding reverse refund hdfc is still mum and till date we have neither received any refund nor any date for the refund. The bank is using the money by its own way.

Please let me know what we have to do .


Deepak mishra
g.s service station
{ hpc petrol pump }
khureji khas
delhi-110051
tel. No. 011-22466291
mob 9911552812

I certainly lost hope on HDFC one of the banking giants of India, after providing very poor service in refunding the HDFC forexplus card amount. I have submitted refund form to the representative of HDFC prepaid card department of HDFC Koyembedu Branch on 12-08-2010. And I have been promised that the amount will be transferred to the beneficiary account (Axis bank) next day itself.

I have waited till 17-08-2010 calling the representative on phone. But the call is continuously denied by that representative.

When I checked the status in person on 18-08-2010, it was shocking that the amount (1 lakh+) has been transferred to wrong account. Despite sending the scanned copy of the form and confirming the same in mail to (prepaidcards.chennai@hdfcbank.com) incorrect beneficiary number has been provided by the representative and been processed by the prepaidcard department. The process got delayed just because the authorizing manager of that Koyembedu branch was off for couple of days. I have been confirmed that fortunately the transfer account is invalid and transaction would get rejected and DD will be issued instead in couple of days.The e-mail a powerful media is not at all considered in this matter despite having a dedicated mail id.

Till now (21-08-2010), I have not got any updates from the team concerned that I have sent so many follow up mails. I lost my peace and most of my works got stuck due to this delay.

I kindly request HDFC to consider as sensitive issue and ensure the polite response from prepaid card department staffs of Koyembedu Branch.

Dear Mr Mishra,

We would like to apologize for the delay in refunding the amount. To be able to assist you better, we would need a few more details from you. Request you to write to us at talktous@hdfcbank.com with your account number, the date of the transaction and the id TTU00092523082010 mentioned in the subject line of your mail. As soon as we receive this information, a bank representative shall contact you.

We value your patronage and look forward to serving you.

Regards, Customer Assistance, HDFC Bank.

Dear Harish,

We are extremely sorry for the delay in transferring the amount and apologize for the inconvenience caused to you. We would like to investigate your complaint further. Request you to write to us at talktous@hdfcbank.com with your card number and contact details along with the id TTU00092623082010 mentioned in the subject line of your mail. As soon as we receive this information, a bank representative shall contact you.

Regards, Customer Assistance, HDFC Bank

I am totally disappointed with HDFC bank service.Recently I made debit card transaction for purchasing an item online.Since the item was out of stock they refunded the money on August 18.Till now I did not get that money.I contacted vendor and they send me all the transaction details.I showed them to the bank and they are not responding.Its been around 15 days and there is no response from them.How can I complaint it to their higher authorities or should I complaint it to Ombudsman.Someone please help me.



Rahul S
R.K.Mandiram
Perunna.P.O
Changanacherry
Kottayam
Kerala-686102
Mob No : 09633829616

Dear Rahul,

To be able to assist you better, we would need a few additional details: please write in to us at talktous@hdfcbank.com with your account number, the date of transaction, a copy of the transaction details from the vendor and the reference id TTU00098606092010. As soon as we receive this information a bank representative shall contact you and help you resolve this issue.

Regards, Customer Assistance, HDFC Bank

This being a whiner's forum, I have something to whine about too. HDFC was introduced to me by a friend manager who meticulously explained to me about a nice Gold Debit card with free insurance cover of Rs.2 lakhs and shit like that which everyone might say when they penetrate a market for the first time.

Now heaven only knows if the insurance and the gold card bull is still alive with regular savings accounts like mine, but looking into HDFC's website this feature seems to be a benefit only with the Savings Max scheme.
Does it still apply for us in regular Savings schemes way back from 2007-08?? because if it doesn't then that will be a breach of contract wouldn't it which HDFC prolly doesn't give a f**k anyway.

I was not given prior notice about the AQB being raised to Rs.10000 from Rs.5000 and about these new stupid fees of Rs.62 everytime I transact online even with my AQB maintained. The new rules about a charge for more than 5 cash deposits blah blah blah and all that were not even communicated to me and if I know the law correctly, "fair warning" and "prior notice" was not made by the bank, which is otherwise imperative.

Perhaps the bank hopes to capitalise on customer's ignorance, which is make new rules, don;t let customers know about them and f**k them so hard with fees and fines that they can spend the next few months and days shuttling between bank, office/business and home just to get answers. Amused as HDFC might be about this whole circus, customers like myself are full of rage because we don;t have time to run around and ask questions much less have the time or money to seek legal recourse.

Then there is this sweet talking b*tch at the front desk who smirks whenever I enter the bank premises, as if to gracefully welcome my getting effed in the a** by her bank so her HDFC bank could rape me more with these unknown fees that they cook up every other day or hour.

HDFC shouldn't be called a “Housing Development Finance Corporation” but rather a “Heaven to Dupe and F**k the Customer”

Period.

Regards,
A very very irate being f**ked in the a** customer.

PS:- Now that I have ended my catharsis, I'm sure Mr.Parekh or Kapoor would depute someone for a rejoinder on this with a ticket number. Well don't bother with taking up my complaints. There's a good ol saying that says "Old habits die hard" and if thugging a customer and hiding behind a politician's back is all that the likes of Parekh do for social clemency, then India is f**ked like everybody else, because my case may be solved only to open up in someone elses backyard.

This being a whiner's forum, I have something to whine about too. HDFC was introduced to me by a friend manager who meticulously explained to me about a nice Gold Debit card with free insurance cover of Rs.2 lakhs and shit like that which everyone might say when they penetrate a market for the first time.

Now heaven only knows if the insurance and the gold card bull is still alive with regular savings accounts like mine, but looking into HDFC's website this feature seems to be a benefit only with the Savings Max scheme.
Does it still apply for us in regular Savings schemes way back from 2007-08?? because if it doesn't then that will be a breach of contract wouldn't it which HDFC prolly doesn't give a f**k anyway.

I was not given prior notice about the AQB being raised to Rs.10000 from Rs.5000 and about these new stupid fees of Rs.62 everytime I transact online even with my AQB maintained. The new rules about a charge for more than 5 cash deposits blah blah blah and all that were not even communicated to me and if I know the law correctly, "fair warning" and "prior notice" was not made by the bank, which is otherwise imperative.

Perhaps the bank hopes to capitalise on customer's ignorance, which is make new rules, don;t let customers know about them and f**k them so hard with fees and fines that they can spend the next few months and days shuttling between bank, office/business and home just to get answers. Amused as HDFC might be about this whole circus, customers like myself are full of rage because we don;t have time to run around and ask questions much less have the time or money to seek legal recourse.

Then there is this sweet talking b*tch at the front desk who smirks whenever I enter the bank premises, as if to gracefully welcome my getting effed in the a** by her bank so her HDFC bank could rape me more with these unknown fees that they cook up every other day or hour.

HDFC shouldn't be called a “Housing Development Finance Corporation” but rather a “Heaven to Dupe and F**k the Customer”

Period.

Regards,
A very very irate being f**ked in the a** customer.

PS:- Now that I have ended my catharsis, I'm sure Mr.Parekh or Kapoor would depute someone for a rejoinder on this with a ticket number. Well don't bother with taking up my complaints. There's a good ol saying that says "Old habits die hard" and if thugging a customer and hiding behind a politician's back is all that the likes of Parekh do for social clemency, then India is f**ked like everybody else, because my case may be solved only to open up in someone elses backyard.

I have email account with IN Offers E Mail, News, Music, Videos, Games, Books , Shopping, Search Online "Get IN.com" and this website provides free data storage of 10GB with their feature InDrive.

I had stored lots of important data in this InDrive, But today to my utter shock I don't find my files in it!!!

Everyweek I log into this account, I relied on this website so much that I depsosited all my personal info in this InDrive.

I WANT AN ANSWER FROM WWW.IN.COM...I WANT MY DATA BACK!!

DEAR READERS, DON'T RELY ON THIS WEBSITE FOR ANYTHING!!

I have recently joinned a new company for which I was made to compulsorily open the account with your bank. I had provided all the relevant details as on 9 september 2010.After processing the documents as on 23 sep 2010 they observed that the photocopy of PAN card was not proper as the top most right corner India was not picked up. So I had to provide them a fresh photocopy. Now again the customer representative and (IT PARK Bangalore Branch) bank guys sleeps for another quarter (9 Sept to 28 sep) and they suddenly arise saying your photo is not clear in the PAN card. I wanted to ask them "I have bank accounts, demat account, credit card, mutual fund, insurance all had been processed through the same PAN card. No one had a problem with the photograph and is it not my portfolio photograph for which they need to send it to the bride place" Then they had called me to sign a PAN card photocopy which I did so that they could compare the photograph and myself. The customer represantative was satisfied.
Now at the end of the month I received my salary. When I checked my netbanking account the amount gets reflected.I went to some resturant to have something. After the food I gave my card to swipe then the person at the billing counter says that your card doesnot work, what an embarrasment to me being a new customer of your bank. I knew that I had balance in my account I could not figure out why it is not working.The entire event happened on 2nd October (saturday) next I lodge a complain but they cannot resolve as the next day being sunday. And I was made aware that the card was not activated because of documentation problem.
"WHAT IS THIS PROBLEM WITH IT PARK BRANCH - WHICH YOU WERE NOT ABLE TO RESOLVE FROM 9 SEPT TO 30 SEP YOU WANTED ME TO SUFFER AFTER THE SALARY IS PROCESSED"
The details of bank are
IT park
G-O1 DISCOVERER BLDG
I.T. PARK,WHITEFIELD ROAD
BANGALORE
KARNATAKA560066

You can reach me at 9620073704
customer complain number :ban091666

Today one agent came to my house and verbally abused and threatened me for collection of credit card payment for my late father who passed away on 14th Jan 2010, HDFC Bank credit card account(5289451000307195) . Shame on HDFC for such underhanded practices! Such agents have come many times and have been repeatedly informed about the demise but everytime a new agent comes who is unaware of the demise. HOW POOR IS YOUR SYSTEM? AND SHAME ON YOU FOR HIRING ROWDIES WHO THREATEN YOUNG GIRLS LIKE ME AND DEMAND PAYMENTS! He said HDFC has not been informed about the demise but i have the following mail proofs that HDFC has been informed many times over phone mails and when agents came physically.
NEXT TIME AN AGENT COMES AND VERBALLY ABUSES A YOUNG GIRL LIKE ME AND THREATENS ME AGAIN I WILL FILE A POLICE CASE AGAINST YOU.
HDFC SHOULD REALLY BE ASHAMED FOR SUCH SINFUL TREATMENT WITH THEIR LATE CUSTOMER'S BEREAVED DAUGHTER. I SPIT ON YOUR BANK! HDFC A DISGRACE TO THE COUNTRY!
I never said i will not make the necessary payment i always have said that i will pay only if i am liable to pay according to the law, WHICH AS I HAVE CONFIRMED I AM NOT LIABLE TO PAY. SO RETURN MY 4000 WHICH YOUR AGENT HAD FOOLED ME AND TAKEN!

1)i am also pasting the mails where i have communicated with HDFC bank so many times in the past. Since i have proof i can use it in the court against you.
And i know since HDFC will next suspect that i have only typed these mails i will forward these mails also to HDFC.
2) Also according to RBI law i am not supposed to pay anything for my late father's credit card bill which i have alredy mentioned in my old mails to HDFC:
i have confirmed through HDFC bank representatives and also confirmed the laws laid by RBI regarding credit card outstanding payment by the deceased customer's family and found out that this is the law laid by RBI:
(v) Insurance cover for card outstandings in case of death of card holder
The Working Group discussed the difficulties faced by family / relatives of the card holder in case of death of the card holder who left behind card outstandings. The family/ relatives of the deceased card holder in addition to coping up with their bereavement had to arrange to clear the dues of the deceased card holder.
The Group recommends that as a consumer rights protection measure, the card-issuing banks would offer all their card holders a group insurance policy to cover their card payables. In case of the death of the card holder the card payables, to extent of the cover, would be paid off by the insurance company.


INSPITE OF THE BELOW MAILS TILL NOW NO ACTION HAS BEEN TAKEN BY HDFC!




A FEW MAIL INTERATIONS BETWEEN ME AND HDFC, THERE ARE A MANY MORE:
MAIL 1:
hello,
This is regarding outstanding payment for credit card number :5289451000307195 of Late Rakesh Kumar Sharma.

i have confirmed today through HDFC bank representatives and also confirmed the laws laid by RBI regarding credit card outstanding payment by the deceased customer's family and found out that this is the law laid by RBI:
(v) Insurance cover for card outstandings in case of death of card holder
The Working Group discussed the difficulties faced by family / relatives of the card holder in case of death of the card holder who left behind card outstandings. The family/ relatives of the deceased card holder in addition to coping up with their bereavement had to arrange to clear the dues of the deceased card holder.
The Group recommends that as a consumer rights protection measure, the card-issuing banks would offer all their card holders a group insurance policy to cover their card payables. In case of the death of the card holder the card payables, to extent of the cover, would be paid off by the insurance company.
Legally HDFC is supposed to have taken care of all such credit card payments of the deceased customers through insurance which is the responsibility of HDFC. I think the insurance limit for a credit card payment in the case of HDFC accounts is 1.5 lakhs to 2 Lakhs. Please check you facts before illegally misleading your customers.
SHAME ON HDFC FOR NOT FOLLOWING THE NORMS LAID BY RBI. DISGUSTING!

So since HDFC has really irritated me a lot with so many calls and executives comin to my house at 7am in the morning and disturbing me i am going to sue HDFC for :
1)Misleading and harrassing me and my brother by constantly calling.
2) For fooling us and collecting Rs. 4000. So if i dont get a reply to this mail ASAP and a refund of my Rs.4000 then please get your lawyers ready.
regards,
Kamayani
(Daughter of Mr. R.K.Sharma)



MAIL 2:

Dear Ms. Sharma,

This is in continuation to our earlier email dated 09.08.10 regarding the HDFC Bank credit card account of your father and our valued customer, Late. Mr. Rakesh Kumar.

We are deeply concerned to note that you have been inconvenienced during your recent interactions with the bank. We wish to highlight that the bank has not spared any efforts to understand the sensitivity on the concerns expressed by you for suitable action at our end. We wish to assure you that we have made necessary arrangements to cease the payment reminder calls for the card outstanding.

With regard to your query on the insurance coverage and refund of Rs.4000.00, we reaffirm that we have taken note on the comments expressed and have raised it with the competent authority for review and we shall revert to you shortly. We request you to bear with us in the interim.

Ms. Sharma, please feel free to write to us at customerservices.cards@hdfcbank.com for any further assistance / clarification that you may require in this regard.

Assuring you of our best attention at all times.
Regards,

Rajeswari Jayasekar
Asst. Vice President
Service Quality - CreditCard

i have done excess money transfer to my hdfccredit card account on 30th sep,they have told me to wait for 2 days so that the transcation gets displayedafter 2 days i have call and they have also taken my request and told me to wait for 7 working days,then again i call after 7 days they told that there was some error so they could not take request.
again i had to give request they again told me to wait for 7 more day..
this scenario ciontued later they have told that they cannot transfer the balance amoun

I have done excess money transfer to my hdfc credit card account on 30th Sep,they have told me to wait for 2 days so that the transcation gets displayed,after 2 days i have call and they have also taken my request and told me to wait for 7 working days,then again i call after 7 days they told that there was some error so they could not take request.
again on 12th oct i had to give request they again told me to wait for 7 more day..
this scenario ciontued later they have told that they cannot transfer the balance amount of 8000 till i pay for the due of 1077 which is already paid from my side as excess anoumt.
again they told it will take 4 days but when i called again they are telling it willtake 7 more day.
my compaijnt no is 10287878619 taken by Praveena, Manager name is Manjunatha.
10298818891 compaint registered by Salma.]I ahve been using this since 3 years did not get issue like this however this is the first time i am facing this hdfc credit card executives are not solving it not prority is given to my issue.

Dear customer,

We would like to investigate your complaint further – request you to write to talktous@hdfcbank.com with your credit card number, contact details and the reference id TTU00121726102010. A bank representative shall contact you as soon as we receive this information.

Regards, Customer Assistance, HDFC Bank

With reference to TTU00121726102010. i have email tohowever i did not get any call from ur side.
I have called the Bankbu they are telling me to wait for 7 to 10 working days to get thay amount refected in my account.
Do u think i need to wait like this...
TRhis is ur responsibilty to call up to ur customer to know their issue.
else giving email and to tell to contact is not good
i am going to discont the connection.
pls respond as soon as possible.

Dear Sir,

Credit card application rejection (no. 100827112524180W1) - ref your letter 2010-11-08 18:32:29.0
but inform you that I have already received HDFC Platinum credit card 4617862000197582 but in your above referred letter you have rejected my credit card application. I hereby request you that kindly go through your procedure and norms for issuing credit card policy.

Your one side rejecting credit card application and the other side issuing credit card for the same person.


regards,

yours sincere customer

Dear Customer,

We would like to investigate your complaint further, for which we would need a few additional details: request you to write to talktous@hdfcbank.com with your credit card number Or credit card application number ,contact details and the reference id TTU00153918112010 . A bank representative shall contact you as soon as we receive this information.

Regards, Customer Assistance, HDFC Bank

My name is Abhay Shrivastav.Previous Six year back I purchased the TVC bike from TVS agency at mandi Gobiondharh. That time i plan the HDFC auto loan in this regard i signed all the documents. But next day my plan was changed and i bought the bike in cash. In few month back i saw my bikes R.C there next page of auto loan there hdfc bank name mentioned. in this regard i contact with our mandi gobindgarh branch. they said i have to contact with ludhiana hdfc bank branch but i don`t know which is the auto loan branch.i called many branch at ludhiana but mostly number is not activate or changed. I called mall road branch they give me a ludhiana customer care no.0161-5088647 but this number is active. My complaint is how hdfc bank will give me NOC of my bike and which branch of ludhiana city.

Abhay Shrivastav
mandi Gobindgarh
9915701179