Insurance Agent working in HDFC Branch in Ahmedabad, Gujarat sold me one policy, with annual premium of 15, 000. I asked him so many questions before applying for the policy. He answered me few and all was lie. After that he started talking sweet and told me that " Sir, You dont have to worry about it. Once your policy is approved you will get booklet, you read the booklet with your convenience and you if you are unhappy with the terms and condition. call me I will come to your office and collect cancel request and your money will be returned." I believed him and singed up for the policy and gave him the check.
Upon reading terms and condition in policy booklet which I received after a week at my office I found that I am being cheated by HDFC Bank. I called that agent and told me that you have lied to me and this is not the policy I wanted. He again lied to me and said, " Sir you have to personally go to main branch to complete cancel request with your ID, Photograph, 1 Cancelled check and Policy booklet." I again asked him " at the time of selling policy you came to my office and also told me that if I am not happy just make a call and I will collect it?? what happened now. I called him for another 5 days but he never showed up and kept requesting me, Sir please do not cancel it, please keep it. Also, he told me that Sir, you have go their personally, you cant send your employee or office boy for this. They will check your id and than only they will process your cancel request.
Then I went to head office of HDFC Bank main branch, stand in a line for 1 hour with NO Air Conditioner, sweating. Moreover when I got my turn Printer stopped working and I had to again wait for 1 hour. Meanwhile they asked me to come tomorrow. But I did not wanted to delay, because 1 month trial period was near end. My whole experience was full of harassment by HDFC. I will not forget this HDFC cheating with me for whole life. If it would have happened in any other country I would have sued HDFC Bank and received thousands of dollars for mental harassment and poor customer service.
In the conclusion I would like to say that. Stop cheating customers and provide better customer services. You are earning Billions of Dollars through customers only. Beware of HDFC life insurance or HDFC ULIP policies.
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