I am a classic customer of HDFC bank and offered a pre approved loan at 9.50% and forms were filled up for submission. suddenly an internal competitor of HDFC bank RM approached me and offered 9.25% interest. Hence the submitted form brought back to me and a new form submitted with revised interest rate. He advised the EMI details with his calculations and got the signature.

After getting the loan, i received the repayment schedule with 9.86% interest with same EMI causing me a loss of Rs.15000/ appox over a 5 years of time. The copy of agreement provided by bank to me is not signed by me though my signature impressions are there.

Later on complaint to the customer care and the management and further personal meeting by HDFC officials it is concluded that I am suppose to honour the agreement which is not signed by me actually and has my forged signature.

I am regularly paying the installment as per imposed interest rate as on date.

For the evidence i have the email communication from HDFC concerned RM for the settlement of the matter by paying me the difference of higher interest through their DSA and close the matter. While, officially the HDFC is not accepting the same and not ready to settle.

I do not want any response from HDFC bank officials or customer care as i have already lost my 6 months time.

Originally Posted by S K Gautam

I am a classic customer of HDFC bank and offered a pre approved loan at 9.50% and forms were filled up for submission. suddenly an internal competitor of HDFC bank RM approached me and offered 9.25% interest. Hence the submitted form brought back to me and a new form submitted with revised interest rate. He advised the EMI details with his calculations and got the signature.

After getting the loan, i received the repayment schedule with 9.86% interest with same EMI causing me a loss of Rs.15000/ appox over a 5 years of time. The copy of agreement provided by bank to me is not signed by me though my signature impressions are there.

Later on complaint to the customer care and the management and further personal meeting by HDFC officials it is concluded that I am suppose to honour the agreement which is not signed by me actually and has my forged signature.

I am regularly paying the installment as per imposed interest rate as on date.

For the evidence i have the email communication from HDFC concerned RM for the settlement of the matter by paying me the difference of higher interest through their DSA and close the matter. While, officially the HDFC is not accepting the same and not ready to settle.

I do not want any response from HDFC bank officials or customer care as i have already lost my 6 months time.

Dear Gautam,

We are sorry about the inconvenience you have been put through. We would like to investigate this matter further - to do this however, we would need additional details from you. Request you to please write in to us at talktous@hdfcbank.com with your loan account number, contact details and the reference id TTU00094826082010. As soon as we receive this information, a bank representative shall contact you.

Regards, Customer Assistance, HDFC Bank

Originally Posted by vishal3213208

Sir I had a Credit Card of HDFC BANK No. 4346781007359045. There was a Fraudulent Charges on 15th October, 2009 for the amount of Rs 18,970. Nw this amount is Rs Rs.33,027.59. Even on the charge slip signatures are totally fraudulent. I think its the responsibility of the merchant also to verify signature for such a huge amount. I am writing to the bank from that time, even I had contacted with there nodal officer(RAMDAS RAMASWAMY) however I am not getting any proper response. There collection team is calling me and my father. I am going through harrassment from that time. Please help me. I wanted this issue to get resolved.

Sir I had contacted with HDFC talktous email address, however they are also giving the same solution and reply. Please help me in resolving this issue. These charges are totally fraudulent. Signatures on the charge slip are even fraudulent. Merchant should responsible for checking signature on card and verify it. Please help me.

Citi bank is charging service tax on the interest charged on the credit card balances i am of the considered opinion that this aspect has to be examined as the interest charged is not a service hence this practice is wrong

Originally Posted by vishal3213208

Sir I had contacted with HDFC talktous email address, however they are also giving the same solution and reply. Please help me in resolving this issue. These charges are totally fraudulent. Signatures on the charge slip are even fraudulent. Merchant should responsible for checking signature on card and verify it. Please help me.

Dear Mr. Thakur,

We acknowledge receipt of your e-mail dated August 27, 2010 regarding credit card account. At the very outset, please accept our sincere apologies for the delay in resolving your query / issue and the inconvenience caused to you. We would need some more time to resolve the query / issue raised by you and request you to bear with us. We will revert to you in 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 query / issue resolved at the earliest.


Regards, Customer Assistance, HDFC Bank

Dear Sir

This is to be informed you that, I Mritunjay Raj Kanth working with Consulting Engineering services ( I) Pvt. Ltd. 5th floor-57-Nehru Place New Delhi. My employee code is E4200 and I have salary account in Central Bank of India, Nehru Place , New Delhi

On 06-Aug-2010, I am checking Bank Account through internet in above mentioned A/c Number, I was shocked to see that two transactions had done from my account for sum of Rupees 20000/- ( 1st Rs 2000 & 2nd Rs 18000) on 05-Aug-2010. These transactions had not done by me and there is no alert message received on my mobile number regarding this transaction.

When, I complained in bank then Bank Manager told me very rudely that we can not help you . The amount has been transferred to account no. 3063618999, name: Ms. Maushami Saha, Central bank of India at Jadav pur Branch, Kolkata through Internet Banking.

These transactions has not done by me this is totally illegal transaction, I request to please look into this matter and register a complain and also try to recover to my money.

Till this date I have not any feedback from either bank or police.

Thanking You



Mritunjay Raj Kanth
Ph: 9910266092
email:mritunjay.kanth@cesinter.com
Account & Bank Detail:
Bank A/c No.: 1132284803
Central Bank of India, Nehru Place
New Delhi-110019

I just closed my saving a/c in United Bank of India at Shahzada Bagh branch , New Delhi -35. The Bank charges me Rs. 104 as closing charges. When I asked about the charges they say it was charged because of stationary. Is it right to charge such arbitrary amount by a Nationalized Bank. Where can I complain against the bank.
My a/c details are
Saving bank a/c no. 132225
Bank: United Bank of India , Shahzada Bagh Branch, New Delhi - 110035
Name : Vikram Gautam

Dear sir,
I am alahari janardhan rao, Asst prof , Bapatla engg college, Bapatla, account holder of your esteemed bank with a/c no.10934145599 since2002, Bapatla.
Now my account trasfered to Tadepalligudem, West godhavari (dt), Working as asst prof sri vasavi engg college, TP Gudem. I Requsted for gold loan, The person who is taking gold and sanctioning loan not interested to sanction for that she is demanding lot of documentation. If I failed to repay my Gold is with you. Then what is the problem. Please provide what are the documents required for gold loan. For which kind of actness I will be grateful to you sir.

Yours faithfully
A.Janardhan rao,
asst prof
sri vasavi engg college,
TP Gudem.

I M A SBI A/C HOLDER,
MY A/C No.- 10852306285, Branch DLW VARANASI.
My ATM CARD No.- 622018018680008388.

By using the above ATM card I withdraw an amount of Rs 7000 from the ATM of BANK OF BARODA which particular is as follow-
Location - MUGALSARAI
ATM ID - 1SDVAR10
Trans. No.- 1186
Date 06/08/2010
Time 13:18.
With sorrow I want to say that I did not got any amount from that ATM,but the said money deducted from my SBI A/C.
I have written my complain in the complain book available in that ATM.
I lodged complain in written to the branch manager, SBI, DLW VARANASI on 10/08/2010 also.
After ten days again I given complain to branch manager, SBI, DLW VARANASI on 20/08/2010. till now my money not return back.

kindly take immidiate action to return my money.
Thanking you.

I hold a credit card of Standard Chartered Bank, they has cross sold me a product called as Card enhancement pack(CEP), they informed me that the same will be received in a weeks time, which actually was never recd at my end for the next 15 to 20 days. Hence i proactively called them and told them that please take a cancellation request as the same has not been received till date. The Phone banking officer hence on my request cancelled the card.
Later i recd a stmt charging me Rs 4000 for the same for which i immediately called them and told to reverse the said charges for which they reversed only 3000 and said that as per their policy they can reverse only 75% of the amount.

They are now adamant on it and are not willing to reverse the entire amount as a part of thier policy for which the customer has to bear the charges. The entire issue has taken over 3-4 months but no positive reply.

Please help in resolving the same at the earliest.

Regards

Akbar Janab
najju_87@hotmail.com

I, Sanjay Das A/C. holder of Central Bank Of India, Rishra, West Bengal, since 1997. My A/C. No. is 1322534361, I deposited one A/c. payee cheque of Rs.2,62160. on dated 20/07/2010.on the bank and I have counter part of cheque deposit form with bank seal and signature. But till date the above mention amount not coming on my account then I talked to branch manager but he says the cheque is missing and he not given me any positive answer. Cheque details as under: Bank name: State Bank Of India, Branch: Serampore, dist: Hooghly, West Bengal. Cheque No. 312874. Date of Issuing: 08/7/2010. I communicated with bank through phone, E-mail (Regional office Kolkata, Head office Bombay) and also submitted written application in the concern branch, but till now no action has been taken by the bank. Then I submitted my complaint on RBI Ombudsman through online, Complaint No is 201011005001030 on dated 06/09/2010, and 201011005001078 on dated 10/09/2010. But till now I am not received any response from bank. So please do the needful.
Regards
Sanjay Das
Cell: 09915557099
e-mail: jicosanjay@sify.com

Dear Sir,

With reference to CD loan no. 10037899 which I had taken while purchase of Sony Handy-cam, the experience to deal with Citi-financial happened to be a nightmare for me.
I have given all the documentary proofs & cheque’s asked by Citi-official but ECS from my Kotak Mahindra Bank account (for EMI’s) was not executed due to documents not submitted/ insufficient submitted by your official.
At this, Citi-financial collection executive gave me call for Cash collection of EMI & ensured that he will collect all 16 EMI’s (Rs.1042/- each) every month and no charges etc will be levied for the same.
I have paid all the EMI’s regularly without any default still my name was reported as Defaulter ( with Cibil) by Citi-financial causing financial & reputation loss to me as my personal loan application got rejected forcing me to pay high penal Interest. Even to get NOC from Citi financial I have to pay additional charges (Rs.3570/-) without having any fault of mine. If it is a practice with Citi-financial to harass customer & force them to pay unnecessary charges, being a banker I fail to understand the same.

Request you look into the matter & issue apology letter along-with refund for charges levied to me. Also ensure deletion of my name as defaulter from Cibil site.

Pls Note: Said complaint was already lodged with Citi-financial at their Regd.office (Pushap-Vihar) letter dated 14th April 08 attached herewith.

Waiting for timely revert with solution.

Gaurav Sharma
Manager-HDFC Bank Ltd
Ph: 09855094912

Correspondence Address: #H.No. 2135 ,
Sector – 42 C
Chandigarh-160036

Respected Sir,



Ref: - ICICI Bank Saving A/c NO 003101578112 (Salary Account) & Credit Card No 4477470036683002



With regards to my salary account (above mentioned account) with your bank, I got message on 3rd Sep-2010 that your account has been blocked & amount of Rs 9452/- forfeited against outstanding to pertain to credit card no 4477470036683002



I had ICICI Bank credit card in 2002-03 & due to some business loss in 2002-03 I had some over due amount for which I came to your Mithakali Credit card department on 23.01.2003 for demanding Installment (at that time your credit card division was at Abhijeet complex,nr,mithalhali circle,Ahmadabad) but it was shocked for me that your senior people named Mr.Atit Parikh & Mr.Jayesh Barot called me in room & took my mobile (Model Nokia-3315) & cash money of Rs 800/- from my purse without receipt for the same. Also badly harassed & tourcher me mentally & gave threaten that will kidnap your children & family members if you will not pay money in two days. I had not given receipt for mobile & cash of Rs 800.00



Under threaten impression I deposited Rs 5000.00 on very next day 24.01.2003 for that also I have not provided any receipt. Such a ridicules tourcher & harassed me made my mind to complaint in Police station. I submitted complaint application in Navrangpura Police Station & CC to ghatlodia Police /Police commissioner of Ahmedaabd, (Please find attached herewith scan copy of that my application which I mention that your seniors torching & looted me.)

Even my intention was to repay your due with interest with Installment but will badly harassed & tourcher me I made my mind that now I will pay money only after apologized letter from bank.



After 2005 to till date 03.010.2010 no body came for demanding money & suddenly I got message from that your salary bank account was blocked against credit card due & forfeited amount which is absolutely unethical & against RBI law.



Even I didn’t get any bank statement for outstanding due since 2005 which is also against regulation & RBI circulars. Even RBI circular doesn’t permit to threaten any body for recovery any dues..



I urged to re credited my forfeited amount of Rs 9452/- in above mentioned saving account & treat both separate transaction

.

If I don’t receive any communication & re credited amount within 7 days then I’ll complain to RBI & banking obusement & take this matter seriously.


regards

vipul kamdar
9974526430

Sir/Madam

Myself Peeush Gupta hereby like to say you that on 16th september IDBI Bank Ltd Executive collected Cheque Numbering 122869 dated 16/09/10 amounting Rs.1000/-,of UCO Bank Mansarovar branch, which is cleared on 21/09/10.Till date account not been opened.

Do the needful as early as possible

With regards

Peeush Gupta
34/88,Kiran Path, Mansarovar,Jaipur-20
Rajasthan

09828150706(M)

Dear Sir,

I had a credit Card of HSBC with a credit limit of 50,000/- which was issued to me during the year 2004 ( some time during this year) , in the year 2005 i could not pay the installments of couple of months and i was suggested by the representative of the bank to go for settlement , as the card was blocked due to non-payment , the settlement was made for rs 40,000/- the same was paid in two installments. This was the issue and settled.

In the year 2005 i had take a personal loan from Citi bank, during the last installments i was in some difficulties and went for a settlement , which was upon the suggestion of the Bank representative.

However, recently (1 week ago) i had approached my salary bank for a loan to meet some domestic needs, in the process it came to know that both the companies has put my name in CIBIL .

Now, i request you to please educate me in spite of the settlement also the name are posted to CIBIL , if so then what is the purpose of settlement option is give to the user.

Please educate me on this.

Ram