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Consumer complaints and reviews about HDFC Bank

Dec 6, 2018

Penalty charges

Dear Team, credit card not received but take bank charges.
[email protected]
Dec 3, 2018

Closure of HDFC Bank account

Respected Sir,
I want to bring to your notice the issue regarding negative balance of my India HDFC Bank account. We are aware of the minimum balance we are required to maintain in HDFC bank account.
Please note: I am living in US for the past 8 years & I had money in HDFC bank to support my mother who is currently living in India.

When we realized that balance was low, we called the bank & also emailed them for closure of HDFC bank account. The HDFC customer support asked me to come in personal and submit the account closure form in local branch.

As of today, the negative balance have gone to -7,000 INR & I am sure this will keep going negative.
Kindly request you to help us resolve this issue. Please let us know if you need any supporting details.

Chandan Shendge
email: [email protected]
Nov 16, 2018

Regarding credit card cashback

Dear Sir/Madam,

My credit Card No.is xxxxxxxxxxx6897 . I had purchased Voltas AC dt. 16 july 2018. but till date i have not reced. cashback. I have many time call to customer care & send mails. but there is not satisfactory reply to me. i have received two ref complain No.18299397531,18289426453, But not solve my problem. pl. look into the matter.
Shilendra pal singh
Oct 23, 2018

Refund money

Pllzz refunds my money ... i have use the ATM but not receive the money 200 feetbypass jaipur Ajmer road .. 15 August - 1000/ .... 16 October - 100/ My accc .. no ... 50100219115751 and my connt.. no.. 08954779468
Jul 19, 2018


Dear One Assist Team.

Iam T.NAGARAJU From Karimnagar District Telangana State.

Iam not Accepted any Registration for ONe Assist Membership. But you are added me as a Member, and Deducted rupees 1399

from my Credit Card on 6th July.I found this deduction from my July 2018. credit card Statement.

So,my kindly request to please refund my 1399 ruppes. if not refund the amount, I will go through Legally.

Thanking you,

Mob. no. 9440433554.
Relationship No:2344212.
Rekha Gulati
Jul 17, 2018

complaint for illegal,wrong,incorrect demanding undue and illegal money under credit cars.

SUBJECT: Complaint for illegal, unauthorized, wrong and incorrect transaction in HDFC Credit Card
No. ################ and thereby demanding undue and illegal money under the
said credit card

RE: HDFC Credit Card no. ################
Dear Sir,
The undersigned is law abiding citizen of India and holding HDFC Credit Card No. ################
since long and have been making timely payments for the transactions done by the said card without
default. Despite fulfilling all obligations on part of the undersigned, the undersigned is facing
harassment and mental agony on the hands of the officials of the HDFC, both by threating the
undersigned telephonically and by demanding illegal money. It is submitted that the undersigned have
already made a telephonically complaint to the officials of HDFC, several times, for illegal, unauthorized,
wrong and incorrect transaction in said credit card account of the undersigned, but the said complaint
was not resolved till date, despite admitting by the officials of HDFC that there was illegal,
unauthorized, wrong and incorrect transaction in said credit card account of the undersigned in the
month of August –September, 2017 [reference is made to the call recording at the end of HDFC]. The
undersigned is not trapped is ‘Caught 22’ situation for not fault of undersigned. On one hand, the
complaint of the undersigned is not been resolved by the HDFC, on the other hand, the undersigned
have to make good the illegal money demands of the said HDFC Credit Card, otherwise, the SIBIL as well
as the credit worthiness of the undersigned would be ruined by the HDFC.
The brief facts necessary are as under:
A. On 03.07.17, as per the statement of HDFC Credit Card of undersigned, the undersigned have
following smart loan accounts:
i. 0235
ii. 0261
iii. 0262
iv. 0228
B. From 04.07.17 to 03.08.17, the undersigned was offered two loans of Rs. 1,61,500/- and Rs.
84,500/- respectively, which the undersigned accepted and both the loans were numbers as
loan accounts ‘0293’ and accordingly the same was processed and 1 st loan EMI of both the
accounts was also raised upon undersigned on 03.08.17, prior to disbursement of loan amount.
The same is also reflected in the account statement dated 03.08.17 of the said credit card.
C. On 05.08.17, the loan amounts for the Loan account no. 0293 of Rs. 1,61,500/- and 84,500/-
were disbursed to the undersigned.
D. On 18.08.17, the undersigned inquire about the outstanding amount of the previous loans [i.e.
for the accounts 0235, 0261, 0262, 0228] and also about the total outstanding amount except
for the loan account no. 0293, as on that day. It was conveyed by HDFC official that the total
outstanding amount excluding loan account no. 0293 was Rs. 96,502/-. Accordingly, the
undersigned paid Rs. 96,502/- and also instructed to close all previous loans i.e. loan account

0235, 0261, 0262, 0228. Therefore, as on that day, the accounts were settled except the loan
accounts no. 0293.
E. Thereafter, the undersigned got busy with the engagement of her only son in August, 2017, and
thereafter marriage Feb, 2018. The undersigned was making the payment of the said credit card
without fail and without checking the integrity of the statement made, believing everything
would be correct based on the long term association.
F. In the starting of the month of April, 2018, when undersigned just checked the statement of the
said credit card, the undersigned got a shock of her life seeing the outstanding amount as per
the statement was Rs. 1,72,821/-, which has to be NIL as the accounts were settled on 18.08.18
and thereafter the undersigned was making timely payments-. Immediately, the undersigned
contacted the HDFC officials and inquire about the amount outstanding and as to how the same
was. At that moment, the undersigned came to know through the HDFC’s Officials, that out of
the two loan which were offered to the undersigned on 03.08.18 vide account no. 0293, the
loan amount of Rs. 1,61,500/- was unauthorized pre close by the HDFC officials and the same
was shown as amount outstanding along with interest upon interest. It is submitted that
undersigned never authorized or instructed to pre close the loan of Rs. 1,61,500/- out of two
loans vide same loan account no. 0293. It is also relevant to mention here that on asking the
HDFC official on phone, as to how the loan of Rs. 1,61,500/- was pre-closed without authority,
the said HDFC official admitted the mistake and conveyed that same was mistakenly pre-closed
in confusion with the other loan accounts which the undersigned instructed to close on
18.08.17. Further, the said office also assured that the said mistake would be rectify by the
HDFC and whatever amount was over paid the same would be adjusted/ settle in future. The
said official also asked the undersigned to make the timely payments of the said credit card
otherwise the credit worthiness as well as the SIBIL of the undersigned would be hurt.
G. Thereafter, the undersigned several times contacted the officials of the HDFC and request to
solve the complaint of the undersigned and rectify the mistake of the HDFC officials, but of no
use. The undersigned also tried not to pay the undue demands raised under the said credit card,
for which the undersigned start receiving threats from the HDFC officials of ruining the SIBIL,
credit worthiness and also of sending recovery agents/ goons to the house of the undersigned.
H. Now, just because of the mistake of the officials of HDFC and no fault of the undersigned, the
undersigned is facing harassment at the hands of the HDFC officials. The undersigned is in deep
mental agony and is also paying the undue demands raised by the HDFC under the said credit
In the light of the above, the undersigned request your goodself to look into the complaint of the
undersigned and rectify the mistake done by the officials of HDFC in relation to the said credit card i.e.
the unauthorized pre-closer of loan of Rs. 1,61,500/- out of two loans dated 03.08.17 with the same loan
account no. 0293. Further, adjust the excess money paid by the undersigned over the last 9-10 months
i.e. since Sep, 2017. Failing which, the undersigned would be constrained to initiate legal action against
the HDFC for the illegal, unauthorized, wrong and incorrect transaction in said credit card account of the
undersigned and also for the harassment and mental agony caused to the undersigned on the hands of
the officials of the HDFC. So please note.

Rekha Gulati
HDFC Credit Card No. ################
Viraj Dash
Jun 13, 2018

fraud call

I got call from 960XXXXXX996 and he was asking for my debit credit card details... Please take action.

Jun 7, 2018

Negative balance in my salary account

My salary account (In hdfc bank) was created in my first company, so once i left the company and joined somewhere else i had to open another salary account. Now my salary account in hdfc bank has been converted to savings account (Without informing me or warning me).I am not using my account more than one year.After that i never logged in to my account through net banking/debit card but monthly monthly i am getting message that changed rs.600 for non-maintanence. Now in my account has some negative balance .I request you to please take action.

Kindly close my salary account: 50100097955010
Jun 7, 2018

AMB nonmaintenance charges are reduced even if AMB is maintained

Hi Sir

I got message in my phone that Rs 450 and Rs 300 is reduced for non maintenance of AMB in the account for the months May and April respectively. But I have maintained an AMB of 6077.71 for may and made sure that it is maintained in the month of april as I calculated myself and kept FD for few days but as per statement it is showing 4710.71. In the website and statement AMB non maintenance charge is reduced as Rs. 531 and Rs 354 respectively. It is very difficult if charges are reduced this way as I am struggling to find money for my living. Please help me credit back the unauthorised charges they have made from my account. They are already recovering so much taxes from my account . Everytime I keep 5000 money is getting reduced in form of taxes or Ic increase in GST or something else!! Please advise me on this
May 23, 2018

They are deducted money from my account claiming AMB

I had an HDFC Bank Account where they always charged penalty for not maintaining minimum balance of 10000. Once I cleared everything and deposited 10k, the deducted further 3000 saying about average monthly balance. When I went to close the account, they said I would get a call from home branch. I did not even get an email notification before they closed the account.

They have a very irresponsible way of banking where they never inform the customers about anything related to their services but are very prompt in charging penalties.
Parveen Khan
May 7, 2018

Multiple charges on loan

in the 2017 i was hospitalized for my health issues and had to quit my job for hat matter. i was unable to pay the loan EMI in those days.The bank has some exceptional charging policies, if the EMI is bounced the loan department charges you the return chrges, however along with the return charges there are charges by the personal banking team as well.I don't understand the logic of the same bank changing me twice and of different amounts on the same return transaction. after speaking with the loan dept and logging multiple complaints i was refunded by the loan team. however the charges by the bank has not been refunded yet.

Now I'm employed but my salary get credited late sometimes, in spite of informing the bank about it and also requesting them to do certain changes they refused to help. and now again and again i keep on incurring the charges even after having stable financial state. the bank is whole ans ole responsible for affecting my credit score and has also given a lot of stress. the charges are also quit high for a middle class person

they have their loan departments separate and any changes to you loan you need to take an extra effort to go to the specific loan branches only which are 4 in count. This what you call non customer eccentricity.
Rohit Khurana
Apr 2, 2018

complain against collection agent hdfc bank

MY name is meenakshi khurana i was borrow a personal loan from hdfc bank in jan-16 . in last month feb-18 my personal loan instalment is bounced . i was not in town . but hdfc bank collection agent going to my home and talk with my mother & elder sister very rubbly & mis behave with her. he come my house with 2 other gays . & pressurize to my mom give me money any how. i am not going to any where without money. this is very bad . so please Take very stick action against him . his name is ballot singh
contact no. - 09877037186

my e. mail i.d - [email protected]
my loan no. - 37675506
name of bank - HDFC BANK
Mar 12, 2018



complain no-DELC0318050625

Without any prior notice you have converted my salary account to regular savings account, and deduced AMB of two months at a time. I kept calling you guys every month for the account update but you guys informed its salary account as of now and not to worry and you will sent the details before conversion. Now without any sms/call/mail you have transacted two months (w.e.f-12.03.18) at a time. Kindly refund back my money of both the months(jan and feb), I will maintain it next time onwards otherwise I have to take further action against it or notify to RBI.

kindly check the account statement of 12 March 2018.
Mani Kumar p
Feb 15, 2018

PF Account Number details

My name is Mani Kumar P. I have been part of HDFC Bank as Sales executive (Direct Sales - CASA) in Ramachandrapuram Branch, Telangana (formerly undivided Andhra Pradesh) and was joined on 01/09/2007, have worked for a period of approximately 06 months 11 days.

During my employment and at the time of leaving from the organisation, I have tried to obtain my PF Account details and relieving letter from HR department of HDFC Bank, but I have neither received my PF account details nor relieving letter for some or the other pretext after submission of my resignation letter to concern person in HR Department.

I would take this opportunity and request you to please provide my PF Account details.

My employment details are as specified here under:

Name: P Mani Kumar
Employee No:CMO8823
Date of joining: 01/09/2007
Date of leaving: 12/03/2008
Designation: Sales executive (Direct Sales - CASA)
Branch: Ramachandrapuram Branch
City: Hyderabad
State: Telangana (formerly undivided Andhra Pradesh)
email: [email protected]

Please provide my PF ACCOUNT DETAILS.
Balachandrasekar Jeevanandam
Feb 9, 2018

Unknown deduction of money from credit card

My credit card ending 1565 is been charged by RS.1899 as one assist member fee. I haven’t received any calls as well as I didn’t confirm the service. Due to this, I have pushed to late fee of 800 rupees. Please do the needful to resolve this issue.

I haven’t been using this credit card for almost a year. But this is giving me headaches by these fees and charges.

Cust id : 39512156
Jan 22, 2018

Loan fees redundant deduction

Dear concerned manager,

I have been paying my EMI in my personal account from money transfer as I am not in living in India. I pay the exact amount every month and sometimes the overdue charges apply to the account right after I make the transfer. Leaving my balance short of the EMI amount. Due to this, the EMI payment bounce back every month making it a late submission and putting a late submission fee. I have missed a couple of months where I was genuinely late for my payment but other than that I have paid over 15000 rupees extra in a year as late payment charges. Which for me is a considerable amount. I have noticed some charges been deducted from the account for loan manual hold charge account twice and my closing balance and account balance does not match. I would request you to kindly provide me with a proper fees and charges description for a personal loan account and a bank statement for the same account for the last calendar year. Also, where can I share my account id and personal details to receive the emails with the documents?
Raju Dutta
Jan 11, 2018

Deduction with out my knowledge_Rs.1499_One Assist M Fee & EMI Facility


I did not get any call to activate this one assist membership, But one assist M fee of RS. 1399 is automatically debited from my HDFC credit card ending with 2192 on 08.01.2018. And also, Rs. 100/- is debited towards EMI facility.

I don't want to activate this plan and why you guys are forcefully activating this One assist plan and EMI facility without my consent.
Dont activate this kind of subscription in future without any knowledge/consent.

In view of the above, I request the HDFC team to refund the amount of One Assist M fee of RS 1399, & Rs. 100, total Rs 1499. otherwise cancel my credit card and please refund the amount.

HDFC account with the following details:

Registered email: [email protected]

Registered mobile no: 9062073818

Alternate no - 7980655735

Raju Dutta
Jan 10, 2018

Unfriendly bank they LOOT MONEY

have closed my hdfc personal loan account.They LOOTED my money by charging precloSer charges 4.79%
I will not to go to this STUPID BANK
Dec 27, 2017

BRN deduction

my account number50100142977431 this a third time deduct my amount 177 again 177 today deducted my account last 2 month before also deduct without my knowledge how you deduct my amount my customer I'd 67109663 I want refund my amount below attached my snap

BRN deduction

Dec 27, 2017

cibil records needs to be corrected

I had received a jumbo loan vide no ############ 3326 against credit card no ############ 4440
The loan was completely paid off
However the cibil records shows Post (wo)settled.I have not settled this account.I have fully paid.
Please rectify the cibil records so that my cibil score is not adversely affected.
Please treat matter as urgent
Nov 9, 2017

Payzapp-Transaction failed but money deducted from account-Not responding customer care

I used payzapp to recharge for 399rs. It failed so i tried again...then i got messages from bank that money got deducted from account both times. But both transactions were failed. Its not showing anything in the app about the transactions. I tried calling customere care. Its always busy or it keeps me waiting by playing some music for hours..Want my 798rs refunded
Nov 3, 2017


Fraud call from 3 different phone no.(use name Shakti Vel P)
I have got phone call from Phone No.9901434434, 9278666789, +911204981250, 9212642220 ( Named as RAJ Malhotra) in three days. He asking regarding my SBI Debit cum ATM card. He told me that Your card will be blocked & provide new card due to security purpose. So, verify your personal details. I have told him some details of myself. But, after sometime I called SBI customer care regarding this issue. Customer care told me that is fraud call.

I was also got threat from him that your a/c will be empty.
Please take action against him.


Rachana Sharma
Vicky prabhakar
Nov 1, 2017

Refund not done

Payzapp is a worst service which they never can't be reached on their contact number and email I'd I made a refund of 5000 to my account from payzapp which gave successful notification but the amount never reached my account and am unable to reach them if I don't get any response am sure am gonna proceed legally

Refund not done

Sachin Kumaar
Oct 26, 2017


I got credit card ending with 6562 Ten days ago and has been debited with Rs.1299/- towards One Assist Membership Fee on 5th/Oct/2017.

I didn't get any call to activate this one assist Membership. But they are automatically debited on my HDFC credit card.

I have tried contacting the email address but no response from OneAssist.

This is a completely fraudulent transaction from the company. Please refund Rs.1299/- immediately to the credit card otherwise I will have to raise the grievance with Consumer Court .

Name : Sachin Kumar
Credit Card : HDFC - Ending with XXX6562
Contact no. 9711046688
Oct 21, 2017

one assist fee

I did not get any call to activate One Assist Membership. But the One assist Mfee of Rs. 1299 is automatically debited from my HDFC credit card (5820) on 20/10/2017. I did not accept one assist while submitting credit card application. plz check and refund my money.

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