[Resolved]  HDFC Bank — Disgusting Experience with HDFC Bank - Bannargatta Road Branch - Bangalore

Address:

Karnataka

HDFC Customer Relationship Number(s) : 20573113, 21912907

Contact number : [protected]

Issue : Address Change


I am visiting HDFC Bank Branch Located at Banngargatta Road, Opp Sagar Hospitals, Bangalore – 560 029 from past 3 days and always a very long Queue at counter number 1, where I can get the address change form.



Some how, I am very lucky after standing for 30 min in Queue I got the form on last Saturday and I was told to submit the address proof. Your Website also says, I need to visit the bank along with address proof.



Today, when I visited the same branch below is my experience.



Initially the person at counter Number 1 asked me to fill the form and submit the PAN card Xerox after standing in the queue for more than 20 minutes. I was not aware this as your website says I have to visited with address proof and I did the same. I ran to my home and took the Xerox copy of my PAN Card and again visited the same branch. Again a very big queue and when I requested them to just accept the form which is duly filled, she asked me to stand in the Queue. Again I was in Queue for more than 15 minutes and queue is not at all moving. I do not know what she is doing there. I fed up standing in the queue and left the premises and again visited after 1 Hr. Again the sitation is same and this time I was standing in the queue for more than 30 minutes and my turn has come finally.





When I submitted the form, I filled only Account ID and not the account number as I remember only my Account Id. She insisted me to fill the Account number as well. Agreed for the same and requested her to provide the Account number based on my Account ID for which she refused and asked me to go back to the ATM and with the help of Debit Card asked me to fill the Account number. This time I fed up as the Queue at the ATM is also long. When I explained my problem and requested her to provide the account number, she started interrogation.



Asked me to provide my OLD Address. Keeping the Long process of HDFC Bank address change in my mind, from past 3 years I have not changed my address. Same I conveyed her and asked to provide the city name so that I can give the old address details for which she refused. (In last 3 years I was in difference Cities and I could not remember my old Address) Finally I told All my last 3 years address and one of the address is matched with the Registered address.



Then She asked me to show the Original PAN Card. Same I was not carrying and I have Laminated Color Xerox of my PAN card which she refused to accept and thrown the forms.



My Questions to HDFC:



1) When competition doing the address change over phone/mail, why HDFC only has this typical process of visiting the branch

2) In this era of E-age Banking, why bank is wasting customers as well employees time ? Waste of Valuable Bank Resources?

3) Still why bank is depending on Physical Papers (one side bank spends money for E-paper,E-banking, E-Statements etc)

4) Why Bank Website is not updated stating I need to visit the Branch with Original as well Xerox Copy of my PAN CARD?

5) When banks are processing Cheques for lakhs of Rupees based on Customer Signature, why same cannot be replicated for address change? Can’t the bank verify the signature and update without Xerox Copies & Original of PAN Card when customer PAN details are available with the Bank?

6) When Customer already fulfilled KYC (Know your Customer) guidelines, why all these things are required.

7) Why corporate banks asking corporate customers to stand in the queue till their turn comes? Why can’t you implement the token system like others?

8) Why people at the counter is not giving complete and right information at the first instance itself?

9) When people are standing only in one Queue does bank manager do not have empowerment to assist that person by providing additional manpower or adjusting others who is sitting Idle in the same premises in the next 7 counters?

10) Why Payee registration will take 24 Hrs of time for new additions? When competition is doing immediately? Competition sends SMS Code for Payee confirmation or I can call the competition netbanking for payee confirmation. But in HDFC, I must wait for 24 Hrs to transfer the funds after payee registration.





Finally HDFC has to do lot many customer Friendly processes for better customer experience in this competitive world.



I expect someone will take this feedback and suggestions and make customers life earlier. Then only your Quote of “We Understand your World” is complete.



As for as my issue of address change is concerned, I fed up with this process and requesting the branch to arrange a person to my residence and collect the necessary docs and complete address verification formalities and update the bank records.