[Resolved]  HDFC Bank Debit Card — Disgusting Service

I had the worst experience in my life with HDFC bank, and I am expecting a response from a senior person from HDFC who would understand me.

I work as a support engineer in a BPO for Microsoft, An unfortunate incident happened with me when I was traveling by local train when I realized that someone picked my pocket and I lost my purse which contained 4 credit cards and Rs.650.00 my personal diary two debit cards and one ATM card and few of my personal stuffs.

This happened with me while I was going back home after my shift at 06.30 am. I rushed to the bank and blocked all the cards that I had so that no one could misuse it.

I walked around 8 KM to reach the bank since I had no money to pay the bus fare. Finally I reached HDFC bank so that I could get some cash for the next day to go to office.

I spoke to the Branch Manager Name Namrath Kotian (Emp. Code : N0025). She said he would only give me the money if I have the check book with me, and I have no other option available.

I explained her about the whole incident happened with me, and informed him that I stay far away from the railway station and it is around 16 KM away and I don’t even have a single penny to go back home. And I have a 2 year old account with HDFC and I haven’t used a single check am not sure i

She repeated the same script and kept ignoring me.

I requested if I could give a written request. She said it up to her to decide, and she would not accept it.

Then I had to leave and walk 16 KM to home, even after having money in my account. I am not sure if she was following the company’s rule, or she was misusing her designation power.

And if it the company’s policy I would never ever use HDFC credit or debit card. Because policies are made for the convenience for the customer and not for harassment.

This could have happened to any body, and if this the treatment that we will receive from HDFC I think no one would open a account.

The Branch Manager Name Namrath Kotian (Emp. Code : N0025) also gave me this in writing that she cannot give me cash without debit card or Check book.

I wanted to bring this to your notice so that this can be avoided in future.

And also want to inform you that I am very dissatisfied and disappointed with the service.

Hoping for a response and hope some one would take this seriously!

Thank You
Kochumon Nair
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Aug 13, 2020
Complaint marked as Resolved 
Complaint comments  6 CommentsShareTweet


my debit card cannot use me for fund transfering.error is coming {debit card detail not present}.
I am starting to have same opinion about HDFC as you. They want an FIR for lost ATM cum Debit card.
1. WHY was i given a Debit card when i wanted only an ATM card !! >>>>???
2. My signatures are not there on the Debit card transaction. WHY was it honoured??? I cannot be responsible!

everyone reading this , HAVE to push the banks to oblige!
I completely with you Kochumon, If I would have been in you place I would have sued the bank for this type of service.

But I honestly appreciate you talking time of f to share your experience and post it on the web, at least people know what they can expect from these MNC banks.
It’s really hard to believe that this happened to you Mr. Kochumon, it might have been a nightmare

Curious to know, did any HDFC officials take any action against that manager?
Mr. John, R u kidding..?

Why will bank take action against that manager?

Did you read that para “the bank manager gave it in writing that she cannot give him cash without debit card or Check book”

It seems, it is a policy set by the bank not to give customers there own money without a check book or debit card.

So HDFC bank wants there customer to carry there checkbook and debit card together wherever they travel, so that they can use these check book in case of theft or loss of debit card.
Carry check book and debit card where we travel ?


Your are just wonderFOOL, “What an Idea sardar Ji”
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