Dear Mr Abhay,

The NOC/Form 35 may be collected directly from the Retail Loan Service Center on the basis of a valid photographic identity. For a comprehensive list of Retail Loan Service Center, please visit our site HDFC Bank - Leading Bank in India, Banking Services, Private Banking, Personal Loan, Car Loan

Regards, Customer Assistance, HDFC Bank

Dear customer,

Just a reminder that we have still not heard from you. 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

Dear customer,

Trust your issue has been resolved satisfactorily. Should you face any issues in the future, we request you to contact us through our designated customer service channels such as our phonebanking service or the contact form on our website.

Regards, Customer Assistance, HDFC Bank

HDFC: Best among worst banks.

It has taken them two months to renew my ATM card, not that i have still got it.
HDFC is like Babu-bank, their employees are not courteous and have no manners.
I have accounts in other banks and there you now what it is to have an account in international Banks.

Its a mistake, if you are still stuck with HDFC, please switch your life will be better.
There are banks which give temporary ATM card, till you get the replacement.

Its like i ask them, where is my card, Sir, go to hell, We dont care.

Dear Mr Ajay,

We sincerely apologize for the delay with your debit card and would like to investigate the status of the same. We request you to write to talktous@hdfcbank.com with your account details and contact information along with the reference id TTU00138203122010 mentioned in the subject line of your mail. A bank representative will investigate your matter as soon as we receive this information and contact you with the status of your debit card.

Regards, Customer Assistance, HDFC Bank

I am Vinay Kumar from Sonepat, Haryana. I joined HDFC Bank as CSE in current Account on 10 Aug. 2010 & resined on 25 Oct. 2010. My Emp. Code - CV-15719, my A/C No. is 06121040000722. I didn't get even a single salary from your bank. Please provide my salary as soon as possible. I shall be thankfull to you for this.

Hdfc Bank
Branch Bali Nagar , New Delhi
Branch Manager- Rupali Julka

Ref: A/c no: 12641140009149



Dear Sir/madam



This is a formal complaint against the poor service I've received from the HDFC bank. It's really surprising to know that a bank with a good reputation has caused me an utter disappointment that I've now decided to cancel my existing account and have vowed never to open a bank account with you.



The series of poor service began from 7th February 2011. Unfortunately, on 6 February 2011 I lost my handbag. It contained many other important documents including my Canara bank and HDFC bank Debit (ATM) card. On 7th February 2011, I reported the same to both the banks. In HDFC bank, I was asked to fill up a form and re-apply for the ATM card. While filling up the form, I told the representative that I didn't want the ATM card to be delivered to my company's address (updated on the records) as my company had shifted from that place and it would be difficult for me to receive it. I clearly asked them to either dispatch the Debit card to my residential address or the Branch address (Bali Nagar). The representative asked me to fill up the branch's address in the form and then assured me that the Debit card would be delivered within the next 10 working days at the branch. This made me satisfied.



The actual problems began from my next visit to the branch.



After 7 to 10 working days (though I visited the branch 2 weeks later as I get my work offs on Sunday and Monday and sometimes Saturdays and Sundays), I visited the branch to enquire about the Debit card but was told that it would take some more time. I came back but unhappy. Then around 1-2 weeks later, I again visited the branch for the same but was astonished and furious to know that there hasn't been any request for my Debit card yet. This made me very angry. Why wasn't I told of this earlier? The concerned representative told me that they didn't know what was going on, apologised and then asked me to re-apply for the same.



I again filled up the form and was informed that this would be delivered. The same day I asked to deliver it soon as I was expecting my salary by the end of February 2011 and wanted the card very urgently to withdraw my salary. Let me inform you that I'm a BCA student, and need to pay my monthly instalments. So, you can imagine what circumstances I'll be facing if I don't pay my fee (including examination) on time. The representative again assured me that I'll receive the Debit card soon.



On my 4th visit to the branch, imagine I was again told that there were no records of the same and they need to look into this matter. I was questioned if I had ever applied for a Debit card? I called up the customer service team and proved it that yes I has applied for the same. While in the office, I called up the Customer Service team (011- 61606161) and they informed me that they had tried delivering the Debit card to my company's address but the parcel has been returned. I told them that when I had instructed them not to do that why did they even attempt to deliver it over there. I was told that the parcel once needs to be delivered to the registered address. The question here arises, why on 7th Feb 2011 was I informed and assured that the parcel would be delivered to the branch's address. Over the call, I instructed them to change the address and deliver it to the branch. They said OK.



On the next call, after around 14-15 days I again called up to enquire about my Debit card. Again the same story, they again attempted to deliver the parcel to my company's previous address. I was mad with anger. I again asked them to re-deliver it to the branch's address or to my residential address whereby I was informed that they couldn't deliver it to the residential address but to the branch's address.



Now if you look up to the number of days I've spent visiting the branch and making 'n' number of calls to the Customer Service team, you'll see that over 1.5 months have gone past and still no trace of my Debit card. My Salary got credited but I was unable to withdraw it. I had to withdraw it through cheque on Monday.



One day (probably in the beginning) in March 2011, I received a text message informing me that my Debit card has been delivered and that I can collect it from the branch. I thought that the problems have finally come to an end and that now I won't need to visit the bank anymore.



On my next work off, I went there and collected it. The same time I enquired about the PIN number. The staff told me that as per their rules they'll deliver it within the next 1 to 4 working days. Good.



Please see, the next series of problems begin from here.



I waited and waited but no PIN number. Then I called up the Customer Service and again the same story. They again attempted to deliver it to the company's previous address and that too twice. My God! is the bank staff uneducated or they understand a language other than English and Hindi. I spoke to 2-3 people the same day. Each one kept apologising and apologising as this is your only weapon to hide your inefficient work. Then they told me that they can't deliver the PIN to the branch address due to security reasons. I asked them that other banks deliver the Debit card and PIN together, y don't they? They just said a big NO! I understand that it isn't the Customer Service representative's fault. They're only bound within the confines of the bank's rules (please change/amend them to ensure better Customer Service if you aim to).



I instructed them to change the address in their records to my residential address. But they said that for this I'll need to visit the branch and request it. I did that and within 10 days the address got changed. On doing so, I was in a frame that the PIN would also be delivered soon. Again waited and waited but no PIN. Now next month's salary also got credited. I couldn't withdraw it soon. I called up the Customer Service to find that there hasn't been any request for the PIN. What's going on? The salary was credited on Friday. Saturday was my working day. So to withdraw the salary I had to wait until Monday as when I went to the bank to withdraw my salary on Saturday, the internet/bank site wasn't working all over. To add disappointment, I didn't have any work off on Monday. This means that I had to send a third person to withdraw my salary.



The bank told me that they'll charge me for that as per the rules. Please tell me, if you're so bound to follow your rules that you'll be taking some money from me for sending a third person to withdraw my salary via cheque aren't you bound to deliver a simple Debit card and PIN within maximum of 15 working days. Isn't that your duty/service which you've failed to deliver?



I argued and got the charges levied. Please see, now even second month has gone past.



The 3rd month starts here, still no PIN. On 29 April 2011, again my salary got credited to my account. As I don't have my Debit card PIN I didn't know how much salary has been credited to my account. At around 6 or 6:15, I called up the CS number to enquire about how much salary has been credited to my account but no one gave me this info. I told them that I was the genuine customer and that they can confirm any security details from me. But they just kept saying that I had to verify the call. Please tell me how can I do that? On every call, I asked them to transfer the call to their supervisor but they kept me on hold for long for more than 5-10 minutes. Imagine how much phone bill I would've incurred for being kept on hold for on an average 10 minutes on 3 calls. Whose gonna pay for that?



In the 4th call, I told the staff to not to waste any more time and simply escalate this cal to their supervisor. The supervisor came and didn't give my any info of my salary. He told me that I'll need to verify my call using a customer id and TIN which can be found in the welcome kit. I got the TIN but was unable to get the customer id. It was on the 5th call that I actually felt that in the whole customer service team/department was a person so dedicated and helpful. He asked me to enter the TIN which I did and then gave me my Customer id. I used it and got the info on my salary. If one person can give this info why didn't the previous 3 advisors give me this info?



Looking at the above, it was at that time that I had made up my mind to make a complaint against your stupid customer service as I had completely lost my patience understanding their idiotic rules and the incompetent staff. It's now 6 May 2011 and I still don't have my PIN. How long do you expect me to wait? On Saturday 30 April I visited the branch again and made a verbal complaint to the respective branch manager and asked her to issue the PIN and deliver it soon. 4 Working days have past, where is the PIN?



If you all don't trust me, you can then listen to the 'n' number of calls that I've made to your Customer Service team beginning from February 2011 until 29 April 2011. You can even open your records and go through the notes. You can even ask the staff at the Bali Nagar branch as by this time they must have recognised my as a customer who keeps visiting their branch ever Saturday or Monday for a simple issue that has been dragged unnecessarily for 3 months by them. The staff over there doesn't even need to ask me of why I've come there. They'll simply say 'You've come here for your Debit card PIN, right!' When you know that, why don't you help me out?



Lastly, when I was going through all this, within 4 days the Canara bank successfully delivered me my Debit card and PIN. Shame on you all that I'm comparing your service with that of a govt bank. The public has a misconception that Govt firms and banks are inefficient and very slow. But see, Canara bank has delivered it but a reputed and private HDFC bank hasn't delivered it to me still. Even many of my friends have stated the same that the services of HDFC bank are very pathetic be it in any respect.



Please don't apologise again as I'm fed up of listening to your fake apologies. I only want my PIN and only the PIN. Nothing more than that. Once I receive it, I'll never ever want to visit your bank again for anything.



I'm making this complaint after making many verbal complaints and giving many warnings. If you don't respond to it or don't take any action, I won't hesitate to take this matter to the consumer court and will even write to them. Then be ready for the dire consequences that you'll have to face. Being a customer of yours, I expect a good and satisfactory service and now even some compensation from your side. I don't need any automatic reponses.



I won't be taking the names of anyone as this complaint is against the customer service and not against any particular person. I've no personal grudges against any individual. Me being a customer look at everyone as a whole HDFC team.



Yours most dissatisfied customer



Jaspreet Kaur
Email Id : jass_sd@yahoo.co.in
Mob : 9899721530

Dear Ms Kaur,

At the outset, we deeply regret to note the feeling of dissatisfaction you have been left with during the course of your recent interaction with us. On receipt of your post, we have taken a detailed review of your issues and are currently taking it up with the concerned branch. We would like to stress that your concerns are important to us, and we will make every attempt to ensure that such instances do not recur. We have responded to your registered email address on May 06, 2011 with reference no TTU000307006052011 in the subject line.

We also take this opportunity to request you not to post sensitive information such as your account number on a public forum such as this, as it may lead to your account being compromised.

Regards, Customer Assistance, HDFC Bank