Complaint Filing Procedure in HDFC Banks including Other Banks

Hi Team,

I am under a shock and TRAUMA to the extreme while I am bringing this issue up to you.

I would first like to bring this to your notice that I have a family of 3 members, with an ailing husband diagnosed with Lung Cancer and an infant baby. Its a love marriage, I hail from Uttar Pradesh-North and my husband is from Bangalore - South. With no any support from the family members on either sides when I was struck by the medical crisis, we were zero on finances. As my husband cannot go to work and I just delivered a baby.

At this point of time I had no other choice but to approach the print media as well as news channels. TO my surprise I had well wishers pouring in from the whole of Karnataka, Tamil Nadu, Maharashtra and people abroad with their wishes and financial help as well, whose contact details I have saved in my diary till date. This dates back to the month of June in the year 2012.

Since then me and my family has been surviving on the financial help that we had received from our well wishers.

Now, when I was left with no choice but to earn for the continued living, I joined a company called Clear Waters now based in E-City. This company has a tie up with HDFC bank and last month I opened my salary account with them.

On August first my second salary worth INR 22.020 was credited to my new HDFC account. Yesterday on 05/08/2014 when I went to withdraw money its reflecting as insufficient fund. When checked with the HDFC, E-City branch they told me that HDFC Credit Card team has put my salary on hold. When called up the customer care, they informed that its been kept on hold against an old HDFC credit card that I used to have almost 5-6 years back.

In the backdrop with reference to this HDFC credit card, I want to bring this to your notice, that I have made the payments towards the dues before I was struck with the medical emergency. And even when I was zeroing on my financial front, the COLLECTION AGENCY PEOPLE HAD COME TILL MY DOOR STEP AND THREATENED MY OLD HOUSE OWNER AND I HAD PAID A BIG AMOUNT TO THEM AT THAT TIME AS WELL. I HAVE KEPT THEM INFORMED THAT I AM IN THIS SITUATION AND THAT I DONT USE THAT CARD ANYMORE, ITS THE INTEREST THAT KEEPS PILING UP AND THEY WANTED ME TO CLEAR THAT. YOU CAN UNDERSTAND THAT WHEN I HAD NO MONEY TO FEED MY BABY OR TAKE MY HUSBAND TO HOSPITAL FOR CHECK UPS, DO YOU THINK I COULD HAVE PAID FOR A PILED UP INTEREST AMOUNT, WHEN I HAVE ALREADY CLEARED THE PRINCIPAL AMOUNT.

IF YOU PUT YOURSELF IN MY SITUATION, I AM SURE THAT YOU WILL BE VERY MUCH UPSET TO REALIZE THAT YOUR WHOLE MONTHS SALARY HAS BEEN PUT ON HOLD FOR SOME UNKNOWN REASON, WITHOUT EVEN INTIMATING ME ABOUT IT.

WHEN I SHOULD BE GETTING ALL KIND OF SUPPORT TO HELP MY FAMILY COME OUT OF THIS SITUATION, INSTEAD OF HELPING ME HDFC PEOPLE HAS LEFT ME WITHOUT MONEY UNTIL I GET THE NEXT MONTH SALARY.

I AM LEFT WITH NO MONEY TO PAY MY RENT, OR GET PROVISION FOR MY HOUSE OR EVEN BUY MILK FOR MY BABY.

IF YOU DON'T TAKE ANY ACTION I WILL GET IN TOUCH WITH THE NEWS CHANNEL AND PRINT MEDIA AGAIN AND I WILL ENSURE THAT THE BANK IS HELD GUILTY ON MORAL AND HUMANITARIAN GROUNDS AND WILL HAVE TO COMPENSATE FOR THIS TRAUMATIC SITUATION THAT THEY HAVE PUT ME IN.

I HAVE ALREADY INFORMED MY OFFICE MANAGEMENT AND THEY ARE KEEPING AN EYE ON THE PROCEEDINGS AND DEPENDING ON THE RESULT OF MY CASE THEY ARE READY TO GIVE A SECOND THOUGHT ABOUT GIVING A CHANCE TO OTHER BANKS AS WELL IN FUTURE.

MY NEW ACCOUNT DETAILS ARE:

Account Number : 50100045473520
Debit Card No. : 532676******2814
Customer ID no. : 55457739

To pull the details of my old CREDIT CARD account the only way is my old email id i.e.,
vand2_abhi [at] yahoo [dot] com, as I have destroyed my old credit card years before.

I request you to please get the hold released of my amount in the HDFC account at the earliest and please get this case settled. I even CLAIM A COMPENSATION THAT BANK should be paying to me for putting me in this crisis situation when I am already struck by medical and financial challenges and want this issue resolved for ever and if at all this has impacted any of my cibil ratings to correct that as well. If you want I can scan the detailed medical reports and scans of my husband and upload the help appeal video that dates back to June 2012.

Alongwith the lakhs of people who know me through the media and the thousands of employees I know, whom I have worked with in companies like Infosys, Convergys and Dell.. it will take just a phone call for me to tell them informing that HDFC bank has traumatised me and left me with no money to survive the month, as they are already aware of my situation. If no action is taken, I will upload that appeal video on facebook and You Tube so that people abroad alongwith the ones home would get to know what HDFC bank has done to me, considering the situation I am in.

Awaiting your immediate action in this regard.

My Contact Number is:
7829011377

I am available over the phone before 08:30 am and after 06:00 PM. YOU can always leave me a message, I will definitely call you back once I am out of my office.

I would prefer someone calling me along with the mail that you send with the course of action that you will be taking to resolve the issue, with the priority being the hold released of my salary amount.

Thanks & Regards
Vandana Tripathi

Dear HDFC,
Please find the following details of card and concerns for the credit card.
Card No: 4050 2810 0062 3592
Name: Smruti Ranjan Biswal
Address as per the card:
IBM
C/O Bharti Airtel Ltd, Ground Floor,
Bharti House
6-mile Khanapara
Guwahati- 781022
GS Road
Assam

I have never gone to your premises for a credit card, that was you Tele marketing people running behind me to issue a credit card for me as consideration my HDFC salary account (CIN: 27076188, A/C: 02771610108490). Not a single person contacted me physically for dully signed form formality to issue the credit card. I have never aware of these health policy you bind with my credit card. I have never used that credit card for any kind of purchase. I have never made any kind of transaction with that credit card. You can check that card as deactivation status after the date of issue.

What are the calculation logic you made over your system without any utilization of card how my outstanding amount reached more than 11, 000 balance. you have already with my present and permanent address in your system. Why you communicate me after 4 years. What is the motivation behind the late contact to my permanent address. Is it to collect huge amount from customer ?. Listen money is not growing in tree I just pick those and give you. However usage of card is zero and transaction on that card is zero from the day one, how these outstanding amounts made over my card.

Without providing these above details why you call to my permanent parent’s number and harasses them. My father also a High BP and Heart patient he has gone in deep depression when heard about your Civil Notice. What the crime I have made so you publish this Civil Notice. why you harass my parents as well as me for this unnecessary concern. I have mentally tortured from last couple of days while listen these civil notice against me, As I never made any transaction on this card. Which RBI ombudsman policy you follow to recover this zero usage outstanding amounts.

Request you kindly provide all the details action amendment whatever you will take against me in written with concern person contact details through this e-Mail also. It’s very pathetic for me to call here and there for NOC. Kindly provide the below details also along with action amendment against my credit card account and me.

1. All the artifacts of signed hard copy for credit card opening form formality where I have signed for the credit card.
2. All the artifacts of signed hard copy for credit card along with any policy inclusion form formality where I have signed for the credit card along with any policy.
3. All the transaction artifacts detail against the credit card which lead these outstanding amounts.
4. Which RBI rules and regulation you follow to open credit card along with any policy account.
5. Which RBI rules and regulation you follow to recover the amount.

Why I will suppose to pay these huge amount for this zero usage card. I want immediate closure of this matter and provide me my NOC.

hI ,

Hdfc bank has re presented my chq without informing to me and taking my concurrence and re presented it 5 times . wanted to know who has given authority to do the same , when I have given a chq how can a partial amount been taken in the account by representing .

Rgds
Chitra

PERSONAL LOAN Account No : 17237499

NAVEEN CHAND B - Navami House, Kuttipuzha Nagar, Sankar Iyyer Road, Thrissur - 4, Kerala.

Mobile : +91 85890 68868
Email : naveen_202k [at] rediff [dot] com

I got my Personal Loan from HDFC on 02/09/2010 for INR 150, 000. They credited INR 138, 000 after deducting their due for processing fees from customer, Due for Gap Interest Booking, Due for Stamp Duty Paid To Bank, Due for Transaction Fee Paid To Bank and of-course an Insurance for myself (HDFC says so). The insurance says, HDFC will get the loan amount, if I gets injured by an accident during the loan period. I paid 25 installments without fail out of 60. When I was unemployed (lost ma job and returned home, still jobless for 2 years), I started failing my installments.

I explained them my problems. Despite my explanation Mr. Srikanth and Mr. Suresh visited my house without contacting me, they threatened me and my family and then forced me to write a letter stating that I will pay 1 lac rupees within three months. They threatened me saying they would arrest me, if I don't give them the letter. But I failed to pay due to my pathetic situation. They are also trying to misbehave and threaten me from different part of the country through their vendors. Now they've started sending threatening, harassing, humiliating, insulting and blackmailing messages to my friends and family all over the world through Facebook and other social networking sites using girls too. Now every day I am getting calls from Suresh for making the payment of my personal loan within a day or two.

Now a lady named Reshma Nair has sent a message to several friends from my Facebook Friends list.

Message : "Hi Mr NAVEEN CHAND B, This is with regards to your personal loan, even after a repeated reminders you have failed to make the payment, We have got few of your relatives as well as friends in Blore as well Thrishur, My legal team will be visiting all the address with the arrest warrant & your brother Mr Mithun Chand who is working with EXL also will be visited, If your intention is positive in making the payment request you to reach my representative ASAP, so that we can help u come out of this smoothly. Regards Reshma Mob No 09738673556".

She has sent it to many people who don't even know anything about me now, which is humiliating and insulting.

When I asked my friend to call that number and inquire who it was, the reply was that "I am Suresh from HDFC re-conciliation team". The fact is that Suresh created this fake profile to harass me.

Till today no one has ever abused me with these many new abusive words. I have recorded almost all sms, emails and calls till date. I started ignoring their calls, also changed 3-4 SIM cards due to the Recovery Agent's harassment and humiliation.

Now, after informing them that I am proceeding with this complaint, they asked me to pay Rs 70,000. When I asked about the harassment I've gone through, they said that they've reduced Rs. 30,000 from the actual amount (I have the call from Srikanth recorded for that). Srikanth decides Rs. 30,000 for my reputation in this society.

All I needed was some time within which I'll could find a job and pay the dues without a penny less. But now that, I wont pay a single penny until you do the needful for my mental torture, insults, harassments and humiliations I've undergone till date. HDFC spoiled my reputation physically and mentally.

As per G.8. Recovery Agents engaged by banks – Draft guidelines issued by RBI :

(iv) It is understood that some banks set very stiff recovery targets or offer high incentives to recovery agents. These have, in turn, induced the recovery agents to use intimidatory and questionable methods for recovery of dues. Banks are, therefore, advised to ensure that the contracts with the recovery agents do not induce adoption of uncivilized, unlawful and questionable behavior or recovery process.

(v) A reference is invited to para 2 (v) (c) of Circular DBOD.Leg.No.BC.104/ 09.07.007 /2002-03 dated May 5, 2003 regarding Guidelines on Fair Practices Code for Lenders and para 6.3 of the Master Circular DBOD.FSD.BC.17/ 24.01.11/2007-08 dated July 2, 2007 on Credit Card Operations. In terms of these guidelines, banks were advised that in the matter of recovery of loans,

(a) the lenders should not resort to undue harassment viz. persistently bothering the borrowers at odd hours, use of muscle power for recovery of loans, etc.

(b) the banks should ensure that agents engaged by them for debt collection refrain from action/s that could damage the integrity and reputation of the bank.

(c) their agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude into the privacy of the borrowers'/ credit card holders' family members, referees and friends, making threatening and anonymous calls or making false and misleading representations.

3. Banks, as principals, are responsible for the actions of their agents. Hence, they should ensure that their agents engaged for recovery of their dues should strictly adhere to the above guidelines and instructions, including the BCSBI Code, while engaged in the process of recovery of dues.

4. Complaints received by Reserve Bank regarding violation of the above guidelines and adoption of abusive practices followed by banks’ recovery agents would be viewed seriously. Reserve Bank may consider imposing a ban on a bank from engaging recovery agents in a particular area, either jurisdictional or functional, for a limited period. In case of persistent breach of above guidelines, Reserve Bank may consider extending the period of ban or the area of ban. Similar supervisory action could be attracted when the High Courts or the Supreme Court pass strictures or impose penalties against any bank or its Directors/ Officers/ agents with regard to policy, practice and procedure related to the recovery process.

Names of the people who abused & humiliated me through SMS, Calls, Emails & Visits :

Srikanth - HDFC : +91 88845 70314 / +91 88846 78062

Suresh - HDFC : +91 99452 96372 / +91 80409 82053 / +91 88804 27474

Reshma Nair (Fake FB ID) : +91 97386 73556
(Suresh created the profile)

Ragavendra - HDFC : +91 91411 63965

Shiva - HDFC : +91 89044 44004 / +91 98459 32323 / shiva [at] excelentp [dot] com

Vinod - HDFC : +91 98444 80257

Pradhan - HDFC : +91 98862 65332 / +91 93435 41279 / Pradhan [dot] Cariappa [at] hdfcbank [dot] com

Narendra - Manager : +91 93421 66805 / +91-080-42080048 /
Personal Loans Narendran [dot] Prabhakar [at] hdfcbank [dot] com

Jayaprakash - HDFC : +91 93791 92498 / Jayaprakash [dot] Narayanan [at] hdfcbank [dot] com

*** All abusive proofs such as SMS, Emails, Calls will be presented to the officials on request.

*** Also I have registered a complaint with all these proof to RBI in

secweb.rbi.org.in/BO/ComplaintToNodalOfficer.html

Dear Sir/mam,

My complaint against the credit card department is regarding harassment and mental torture.

My HDFC New Credit card number is 4346781016451049
Old Card number is 4346781009892845

I am the customer of HDFC credit card from last 4 years. March 2011 is last when I used the card. I lost after that.
Since then :
New card not issued.
Bank has no idea where it went.
I am making payments to new card, but not seen it so far.
Used around 28 thousands, and paid around 75 to 80 thousands.
In Nov 2012, I paid 10500/- ( In 2 splits, in one week ) but so far it is not reflecting and bank has no answer for that.
I asked settlement a year back and till now I am following up and they are dragging. They gave an option of 45 thousands. I am absolutely not Ok with that price as we have lot of medical issues at home, wife is carrying, and many more. I lost my job and didnt get salary for few months. lot of issues and please help us to settle this very fast.
I have been continuously paying all the bills. Due to certain serious medical circumstances I wasn’t able to pay the bills since last few months.
I have been receiving continuous harassment calls almost many times in a day from the credit card collection department. One day, two collection executives have come in my home and asking for payment . My wife said that I am not able to pay and my husband is not at home. But one executive has told her with abusive language that she has to make payment. On that she was alone and she is pregnant . I am not expecting this kind of service from HDFC bank
Later they call my land line and torture my parents for the payments. They are old and retired. People call home, come home and say they know how to collect the money.
They say that they are not afraid of police and court.
My parents are upset by this act.
100 times they say CIBIL, recovery.
Even I am educated and I have brains.

After this harassing experience and medical reasons,Now I am feeling to stop and cancel the HDFC credit card by doing one time full and final settlement. I want to contacted reversal concerned Managers from HDFC so that my issue can be closed on immediate basis. After suffering this kind of mental harassment please suggest me what kind of action can I take against Collection executives.
Please suggest what should I do???
How can they call my wife, parents, and come home when I am responding.
I always respond to who ever calls me and they simply cant say that I didnt pick the call so they went home. How can they speak about my transactions with others without my permission. It is a big offense. If any thing goes wrong in my family, who is responsible.
My parents have told me that next time if HDFC guy calls or come home, they will commit Suicide.

What kind of legal action can be taken against the HDFC collection agents for mental harassment and using abusive language.

Thanks

With regards
Rakesh.C.R
9742108836

my customer I'd is 41112190 and my hdfc credit card number is 5459 6440 0008 4962. I have bought a mobile of rs 23999 and wanted to convert it into an EMI.
Before buying it I hv called hdfc customer care on 10 june to get info on the same and how much interest they will charge, your representative informed me that 1.1% will be charged and have added that will buy it on 11th june thay said it is fine we will convert the same. As soon I bought and called up they said you have to wait another 24 to 48 hrs to convert the same into EMI. Now when today I.e 12th june I called again, customer care reprenttative told me no offer is available.
1st they said we will do it and den they are saying they can not.
I have asked them to check my call recording and they said the same request is there.
I m a regular user of HDFC credit card. Pls let me knw dat d word of mouth frm ph banking is reliable or not.
Pls note my credit card bill will be generating soon and I don't want to pay the entire amount all together.
And also if I receive the product from flipkart they will not cancel the order also.
I would request you to please revert on the same ASAP. As I have only one day time my product will be sent by 14th june.

Would appreciate speedy and positive revert on the same.

Regards
Sangeeta Dey

Hi This is Vikram Jaiswal

Credit Card details
Name : Vikram Jaiswal
Card No. : 5242160000660737
issued by HDFC Bank

Please note that Credit Card has been offered by HDFC bank with no additional expense except Late fee for the amount used through credit card.

However, for last few months they were unable to deliver the credit card bills to the said address and no one ever contacted me from HDFC credit card bank behalf.

Later my office address changed and i requested online for address change with the Credit Card dept, they changed the address but with huge amount added which includes Late fee plus Finance Charge. by definition of Bank that Finance charge is the interest fee they charge on amount used from credit card if it is not payable on time.
Issues:
1. I have paid timely payments but if they are not able deliver the bills how would i come to know that how much i have to pay to the Credit Card company.
2. However, i have paid all the payable amount some times including late fee
3. As it not informed to me by the HDFC credit card representative, that the bank will apply FINANCE CHARGE on late payment amount, therefore i have not paid this finance charge.
4. They keep calling and forcing me to pay this amount also..
6. And now they keep on increasing the amount of Finance charge by adding further more late fees and put my account hold.

it is same like when villagers borrowed money from landlord and never able to return it because landlord keep on adding interest.

Kindly help in this matter.

Respected Madam/Sir,

I beg to state that I am residing in West Bengal, at Bansdroni area
-Kolkata -700070 and our area as well as our state is developing day
to day which is very influenced me and we feel very secure now a days
under your supervision.

I express regarding one problem which make me very unsecured that I
have a loan account no.:14589542 with HDFC Bank Ltd. Of Rs.145000 (
one lakh forty five thousand only) for which I have already paid
Rs.134725(one lakh thirty four thousand seven hundred twenty five
only) and I agreed for amicable settlement with Mr. Gupta
(M)9330038195, Bank personnel of the balance amount but he blocked
my salary which comes in HDFC Bank dtd.03/04/2014 that I have earned
very hard during the month.

On dtd. 05/04/2014 I met with Mr. Gupta in his office as he asked me
to come for settlement for the balance amount where he is sitting at
Grillinder House at Dalhousie Area in Kolkata and I requesting him to
release my salary and for the settlement but he did not listened me
and thrown me out by using slang languages also threaten me by
physically hit of his many subordinates who have also insulted me by
using very slang languages for 2 hours continuously.

After coming out of his office I got very nervous and met an accident
on road with a car while I was walking and few people helped me for
taking to hospital and from then I have very shocked of that incident.

As per their instruction mail I met senior bank personnel Mr. Dave(Vice President -Kolkata) dtd.10/04/2014 and also given PDC cheques last month but they blocked my salary dtd.30/04/2014 again.

I could not understand their bank personnel who have sent bouncers at my
house dtd.27/04/2014 & 29/04/2014 respectively who harassed me
mentally & physically and also tried to hit me. They asked to show
them the settlement letter which I could not show them as Mr. Dave have not given me the same and also they threaten me that they would come again.

When I met with Mr. Dave dtd.10/04/2014 where he deducted Rs.5389 from my
blocked salary account. I am very poor person could not meet the
financial crisis, we are starving most of the days, my child crying
for foods every night but I could not give him anything. Although I
given Mr. Dave 10 nos of future PDC as he wanted it dtd.10/04/2014.

Further they have blocked my salary dtd.30/04/2014 Rs.13285.00 including
last month and I have talked to Mr.Dave senior manager and he said that their credit card division hold my salary but I informed him that i have settle credit card account and I have the settlement letter. He could not response further.

I have contracted Mr. Kabir (7439040797) Credit card division of HDFC Bank and he told me that he could not help and cut his phone. I am ringing but he could not give any response. And Mr. Dave could not helped me also.

In this situation they are confirming of our death. Every month
they have deducted my salary which I have earned very hard, I am very poor
person, my son reading at school and they are disturbing our life.

I write to request to release my salary which have been blocked by Mr.
Minal Gupta(M)9330038195/Mr. Dave. I am very poor man that I myself and family
are starving most of the days and my child are crying for foods but I
could not give him anything expect water.

I write to pray to please arrange for refund of my total salary of Rs.19019 which they have blocked for last two month at the earliest else I have to commit to suicide with my family.

Yours faithfully,

Arup Mondal

3/2E Congress Nagar
Bansdroni,
Kolkata-700070

(M)8961779720

Dear Sir,

I used 12,000 in the HDFC Credit card and i missed to pay in mean while i payed minimum amount against the amount, it around 15,000 (I have taken Only 12,000). Now i went to settlement, they tell that my outstanding amount is nearly 22,000. I don't know why they ar tell like.

Please resolve this issue, Mobile Number +91 9626889933.

Otherwise i have to handle this issue in legally....

Even after handing over of the key as well as closing form. account got charged. who is responsible. I do not know what kinda services they offer.

Still not getting satisfactory response.

Wetting!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Regards
Vinod Yadav
7607994477
Citizen of India

From: Vinod Kumar Yadav
Sent: Friday, April 04, 2014 10:55 PM
To: 'PriorityRedressalRPM [dot] CreditCards [at] hdfcbank [dot] com'; 'PriorityRedressal [dot] CreditCards [at] hdfcbank [dot] com'; 'bokanpur [at] rbi [dot] org [dot] in'; Vinod Kumar Yadav
Cc: 'Hariharan [dot] Subramanian [at] in [dot] hdfcbank [dot] com'; 'Chairman [dot] bod [at] hdfcbank [dot] com'; 'Managingdirector [at] hdfcbank [dot] com'; 'Kmistry [dot] bod [at] hdfcbank [dot] com'; 'Rkarnad [dot] bod [at] hdfcbank [dot] com'; 'Bparikh [dot] bod [at] hdfcbank [dot] com'; 'Anroy [dot] bod [at] hdfcbank [dot] com'; 'ed [dot] wholesalebanking [at] hdfcbank [dot] com'; 'Psukthankar [dot] bod [at] hdfcbank [dot] com'; 'grievance [dot] redressal [at] hdfcbank [dot] com'; 'grievance [dot] redressalcc [at] hdfcbank [dot] com'; 'grievance [dot] redressaldp [at] hdfcbank [dot] com'; 'governor [at] rbi [dot] org [dot] in'; 'vinodkyadav [dot] yadav [at] gmail [dot] com'
Subject: RE: RE:'HBL=023-962-710' credit card complaint addressed to senior management

Hello Rajeswari Jayasekar,

You are saying that "We request you to bear with us in the interim".
You can say it because I can't fine to you.

But that time when I told you that I didn't find my card at my mailing address while you people are posting me bills at the same address.
That’s the only reason in delay of payment and that was a miscommunication.

After that being an Indian I realize my responsibly and paid all my credits borrowed by you. But when I had realized that you people are not able to deliver my card at my end the after I paid all my purchased bill and thought, I finally got rid of it.
But I didn’t know that you are HDFC “Human Demoralize Financial Corporation”.
Here again, I paid all my fraud over dues with the late fee….….

Being an Indian I just ask a question that if a being genuine is wrong, then I am wrong, but I feel that somewhere I am not wrong that time everyone will answer me, and I don’t care who is this.

Here I want to be back all my social an civil credit in my citizenship (India) with immediate effect and want to be reverse all my over dues and late fees charged by you.

Still I dint get answer below on it. And gain and again I meet a different face

Here again I am communicating that don’t delete the trailing mail. And not give me again and again differ reference numbers

Dear Priya.
I am still getting calls and mails from your bank side. While already I made payment. For your reference, Please go through the snapshot.
And stop such calls and mails immediately. And provide me confirmation.

Also reply on below points which I have asked to Deepa earlier.

Here I am raising these questions, hope you will answer for it
1- From so long time the issues is continuous going that if you people couldn’t deliver my card to me then why you people were posting me that bills.
2- Already I have paid all my outstanding till my card lost and didn’t get yet. So why you people claiming other over dues.
3- I have paid all my purchased bill so request you to please reverse all my dues and free all of it.
4- Help to back all my credit in my citizenship

Here I suggest you kindly reply only all trailing mail.

Still waiting ..

Regards
Vinod Yadav
7607994477
Citizen of India

From: Vinod Kumar Yadav
Sent: Thursday, April 03, 2014 5:03 PM
To: 'PriorityRedressal [dot] CreditCards [at] hdfcbank [dot] com'; 'bokanpur [at] rbi [dot] org [dot] in'; Vinod Kumar Yadav
Cc: 'Hariharan [dot] Subramanian [at] in [dot] hdfcbank [dot] com'; 'Chairman [dot] bod [at] hdfcbank [dot] com'; 'Managingdirector [at] hdfcbank [dot] com'; 'Kmistry [dot] bod [at] hdfcbank [dot] com'; 'Rkarnad [dot] bod [at] hdfcbank [dot] com'; 'Bparikh [dot] bod [at] hdfcbank [dot] com'; 'Anroy [dot] bod [at] hdfcbank [dot] com'; 'ed [dot] wholesalebanking [at] hdfcbank [dot] com'; 'Psukthankar [dot] bod [at] hdfcbank [dot] com'; 'grievance [dot] redressal [at] hdfcbank [dot] com'; 'grievance [dot] redressalcc [at] hdfcbank [dot] com'; 'grievance [dot] redressaldp [at] hdfcbank [dot] com'; 'governor [at] rbi [dot] org [dot] in'; 'vinodkyadav [dot] yadav [at] gmail [dot] com'
Subject: RE: RE:'HBL=023-962-710' credit card complaint addressed to senior management

Dear Priya.
I am still getting calls and mails from your bank side. While already I made payment. For your reference, Please go through the snapshot.
And stop such calls and mails immediately. And provide me confirmation.

Also reply on below points which I have asked to Deepa earlier.

Here I am raising these questions, hope you will answer for it
1- From so long time the issues is continuous going that if you people couldn’t deliver my card to me then why you people were posting me that bills.
2- Already I have paid all my outstanding till my card lost and didn’t get yet. So why you people claiming other over dues.
3- I have paid all my purchased bill so request you to please reverse all my dues and free all of it.
4- Help to back all my credit in my citizenship

Here I suggest you kindly reply only all trailing mail.

Still waiting ..

dear sir,
i am saroj kumar sahoo,date of birth 15/05/1986 had applied for credit card and it was approved.The card ending 1343 was sent through BLUE DART AWB #42572282723 on dated 21/03/2014 and was reached at balasore blue dart branch on dated 25/03/2014. Neither he delivered in my residence nor he called me,when i reached at blue dart office in balasore on 26th march 2014 he misbehaved me and told that we can keep the parcel with us for the next 10days.when i requested him
to handover the parcel he refused me and asked for bribe.

So kindly help me how to get my credit card
and take action on the courrier(blue dart, balasore) and requesting to chose any
other option for better communication.

Regards
SAROJ KUMAR SAHOO
BALASORE
MB-09439162706

To manager HDFC bank
Hong Kong bazaar branch
I had platinum credit card with number 5878 -last four digits. exp was 03/13. I gave the written application in bank atleast 15 times after card expiry. Mr Gaurav is the person I talked to personally. There is no response. Such ill treatment is not expected out of HDFC bank. Curses to this bank for harassing me for a petty credit card for an year.

Sir,

On 5th Feb.2014, I have withdrawal 10000 Rs from HDFC ATM (Airoli new Mumbai setc 8) through SBI ATM Card but I got only 1500 rs.Same day I have written the complained in SBI bank . After few days Rs.1100 is credited in my SBI account .

Again we contacted the SBI bank for the remaining pending amount & they filed complain again but after few hours we got message that your complain has been rejected & closed without getting the remaining amount .

As a customer ,we are running between the banks for our own money ,kindly look after it .If you need any details about my problem please contact me .

Regards,
Prerna
9987444585

Dear Sir,

I have a hdfc bank credit card. on 8 Dec 2012 I have received a bill against my Credit card thats amount was Rs9400 where I have purchased only 5600. I have registered a complain against this matter at HDFC Bank, as they told that I have to pay all the money first then they will investigate. At that time I felt something happening is wrong. I requested them again & again to shut out this matter, but they did not take any action. That problem is pending yet. Every month they are adding interest and fine with that bill and sending me. At this situation what will I do. Please Guide me.
My Card No Is : 4346786002324787
HDFC Visa gold Credit Card

Yours Trouly,
Basanta Kumar Nath

I am Ratan Rajak, from Mumbai having a standard chartered credit card. I am getting outstanding bills after paying the bills on time. they received the cheque late from their side , now they are sending mails on threatening tone that I have to pay the bill or otherwise they will put late charges. what to do? whom to contact.

I have applied home loan (balance transfer) to hdfc on nov 13 and i paid processing fee in three checques 12000,3000 and 1400 but they rejected my loan application due to some reasons but they did not reverse my processing fee and i made a reguler follow up but they did not provide proper information finaly they deducted 1500 for each checque for service charge in total i paid RS 16400 but they told me to reverse only RS12000,Could you please give the solution to recover my processing fee.

REF.CREDIT CARD ACCOUNT NO.5243XXXXXXXX2903

Kind Attention Mr.Antony K. - Manager Correspondence
Kind Attention Officer, - Debt Management, HDFC cards Division, Chennai.
Dear Sirs,
This is in reply to your mail dated 26.11.2013 and also to your letter dated 04.10.2013, posted by you on 09.11.2013
and received by me today(29.11.2013) in the evening. This reply has your mail reference No.13324669773.
Your mail of 26 th instant shows an outstanding of Rs.31670/16 where as the letter received by me from Chennai states
an amount outstanding of Rs.42175/94. Though both these correspondence are from HDFC credit cards division the figure
outstanding apparently differs. I reiterate to say that all my payments have been paid and after recently receiving the
reconciliation statement from you I had paid Rs.2000/- for which the duplicate statement dated 16.09.2010 send to me very late
upon my request.
As reminded you earlier in a very number of times the grave mistake committed by your executive Ms.Chithra which landed
me in this grave situation you have not bothered to mention about the same. I have lost faith in HDFC credit card division
and the way your collection department behaves. The letter from Chennai states that you have entrusted the matter to your
collection agent M/s.Sushila Agencies Pvt. Ltd. for the collection of dues. You may recollect that I have complained to you
about the bad behaviour and the incidents which happened on 27.06.2012. I am living with my family and you have ruined my
peace already and to make things worse you are again entrusting the matter to your collection agents, I will not entertain any
of your agents as I reiterate I am not a defaulter. You name me as a defaulter for your own mistake, do not try to take away
the hard money earned by your customers by employing tactics which are not suitable for a family environment. You are hereby
again requested not to send any of your collection agents to meet me or to my residence.
I am in no way responsible for the levy of charges which you say till the liquidation of dues as there is no dues to be paid.
However, without prejudice, I am ready to come over to your HDFC bank at Vasai East Branch, where I was having the SB Account for solving the issue once and for all, Even the SB account had to be closed due to the unsuitable action taken by you by taking away my bank balance and due to that my home loan EMI, Telephone Bill payment and Insurance payments got returned for insufficient funds though I have requested to the Grievance cell of HDFC bank not to take such unilateral action. I SEEK JUSTICE.

I hereby again request you to issue me NO LIABILITY CERTIFICATE against the above credit card.

Thanking you,

Yours truly,
Kurien Mathew

complain against hdfc bank ltd

i had taken a credit card from hdfc bank.but i dont know how auto pay is activated.and the ref a\c has not a bal for since 9 month , it was my salary a\c.
now every month i have been charged extra rs 350 unecesserily.kindly refund and do the needful.my cr card no is4346781013090824

Dear,

my name is Sanjay Singh CSE at H.D.F.C Bank Modinagar branch Distt Ghaziabad U.P,
I have resigned from my duties in March 2012 and since now i hav not got my relieving letter
because of that i am suffering from various problems,

Kindly release my Reliving letter as soon as possible.

Regards,
Sanjay Singh
Emp code CSE39245
9968871458

Dear Sir,

I had applied for a personal loan from HDFC bank where I hold a salary account. My customer id is 42834775. My application was initially rejected saying that i would need a co-applicant. After that, my mother became my co-applicant and my application was yet again rejected saying that she had loans of her own, which is completely her personal matter. They had initially claimed that a co-applicant is just an added security and as I was the main applicant, my records would be looked into. As I had no loans on me, i should have ideally gotten the loan.

However, HDFC representatives were extremely rude while dealing with me (even though I hold a salaried account there which makes me their customer). Not only are they extremely irresponsible in updating the customer keeping the customer waiting and hanging for days on end, but when the customer calls them up, they dont bother receiving the call, reject the call, and have no courtesy whatsoever to call back later. Two of the employees who were extremely rude in their dealings with the customer are Mr. Sathish and Mrs. Laxmi in Bangalore.

They have no decency in talking and are highly irresponsible when it comes to keep the customer updated. I have never had such a bad experience with any bank ever. People say that private banks are very efficient, but after this experience I have to disagree. At least I know this much, that HDFC is pathetic when it comes to customer and banking services. Also, judging by the number of complaints on this page, I see that I'm not the only one to complain about their pathetic banking service.

Why do they make false claims when they cant even fulfill it? I am currently in discussion with my lawyer if I can sue the bank on grounds of harassment and false claims. I will also definitely try to remove my salary account from HDFC as soon as the procedure for doing so permits.

Regards,

Siddhartha Chatterjee.
8197762965

I Dhaval Sharma HDFC Credit Card Number 5176521009059462, has outstanding around 30000, I stop paying my dues due to misbehaving and misleading me by collection agent.
After they are settle my credit card and with mutual understanding payment date set as 01-Aug-2012. No person and call come to collect the payment.
Then on 04-Aug-2012, Bank one sided take desssion, ceased my HDFC account and as per some letter, they will debit 18736 rupee from my account.

As I have regular payee of my HDFC Credit Card and HDFC Loan EMI, kindly help me to recover my money.
I am from the middle class family and paying 19000 in slot is very big deal for me.

accidentally i took a credit card from HDFC and then a BT of 80k at 0.99%, but the interest rates added to the statements were higher than my expectations. When i asked for an explanation, these guys say that, yes they tried calling me over phone but i was not reachable :), that too after some 4-5 months. I used the card for about 8months and looking at the support issues generated, felt going with these guys as a not a good option at all and tried closing it, but i never received any proper statements. Then, i lost my job and when i tried to update my address for communication,, i hardly found any response. and then they say the card was upgraded and they can send it to me, if i can update my address :)

And from then .. they visit my house for payments but cant update my address, they call me each and everyday but in every single mailn saythat i was not reachable. they call even my sister and brother-inlaws.. for a payment. they visit my neighbours too.. speaking about the payments.. they have no proper defence for asking a payment so cant call me, but rather call my relatives and harrass them, and i receive blank calls..

and its almost 4 years now.. no idea, whom toescalate these things..

hope, god will help in in screwing these guys..

- RaviGoru