HDFC Bank Complaints & Reviews

To,
The Consumer Forum,

I am writing this complaint to formally bring to your attention the extreme mental harassment, financial loss, and unethical practices inflicted upon me by HDFC Bank regarding the cancellation of my loan.

On 22nd January 2025, I submitted a cheque to HDFC Bank for the cancellation of a ₹10 lakh loan within the cancellation period. I was provided a receipt and assured that the cancellation would be processed within 5-7 days.

However, on 1st February 2025 (the 8th business day), I was shocked to receive a message stating that my EMI would be deducted on 7th February 2025. I immediately visited the bank, only to be informed for the first time that my cheque had bounced. HDFC Bank conveniently failed to notify me via email or SMS regarding the bounced cheque, which is an unacceptable and deliberate omission on their part.

To make matters worse, I was forced to issue a second cheque with additional interest, despite the failure being entirely due to HDFC Bank’s negligence in informing me of critical banking requirements. The cheque was rejected because transactions above ₹5 lakh require prior approval from my bank (Bank of Baroda)—something that HDFC never disclosed when I initially submitted the cheque on 22nd January. Had they provided this essential information at the beginning, I would have ensured approval from my bank, preventing this entire ordeal.

This has caused immense stress, unnecessary financial burden, and mental agony, all due to the bank’s negligence, miscommunication, and failure to follow basic consumer rights protocols. The bank has displayed complete disregard for my time, mental peace, and financial well-being.

I demand immediate action against HDFC Bank for:

Failing to notify me about the bounced cheque in a timely manner.
Withholding critical information about the cheque clearance policy, which led to additional financial losses.
Forcing me to pay extra interest due to their own negligence.
Causing extreme mental harassment and stress due to their irresponsible handling of my case.
I request the Consumer Forum to take strict action against HDFC Bank and ensure that I am compensated for the financial and emotional distress caused. I also urge a thorough investigation into their unethical practices so that other consumers do not suffer the same ordeal.

I expect a swift response and a resolution at the earliest.

Sincerely,
Zeena Chakma
[protected]
[protected]@gmail.com

Formal complaint regarding the persistent issue with my UPI service, which has been blocked for over 45 days, despite my repeated attempts to resolve the matter with your bank.

I first raised the issue after receiving multiple emails notifying me that my UPI had been blocked automatically. I visited the bank and followed up several times, and I was assured that my UPI would be unblocked soon. However, as of today, my UPI service remains non-functional, and I am unable to make essential payments.

This delay has become a major inconvenience, especially since my UPI is linked to various autopay platforms for recurring payments. The issue remains unresolved, and no concrete actions have been taken to address it in a timely manner.

I believe this situation is unacceptable, and the prolonged delay in providing a solution has caused significant distress. Despite raising multiple queries with the bank, the issue is still not resolved, and I have yet to receive a satisfactory response.

I hereby request the following:

Immediate action to unblock my UPI service.
A clear timeline for resolution of the issue.
Compensation for the inconvenience caused due to the prolonged blockage of my UPI service.
If the matter is not resolved within 48 hours, I will be compelled to escalate this complaint through the appropriate consumer complaint platforms, as this delay has affected my financial transactions and is a violation of my rights as a consumer.

Please treat this complaint with the utmost urgency and provide me with a prompt resolution.

To
Area Manager
HDFC Finance

I hope this email finds you well. I am writing to bring to your attention an issue regarding the cashback offer on customer recent purchase.

Customer purchased a Dell laptop on HDFC finance from Croma Prozone Mall Aurangabad Maharashtra on 8th September 2024 with the promise of receiving ₹3000 cashback after successfully paying three EMIs and waiting for 45 days. I am pleased to inform you that customer have paid the three EMIs successfully, but not received the promised cashback yet.

Customer Name : Shaikh Mohd Ashir
Cust Mobile No :[protected]
Loan Account number:[protected]
Agreement Number : 2709A189501
Invoice Date : 08/09/2024
Customer Invoice Number: SLA[protected]
Cust Bank Acc No : [protected]
IFSC Code : MAHB0001230

Could you please look into this matter and provide me with an update on when we can expect to receive the cashback?

I am attaching the invoice and bank statement for your reference

Thank you for your attention to this matter.

Sir we can many time contact them but he is not received call massage and the his work of hdfc delay then on our folt they say not care about costumer and not responsible for work we can request you to change our relationship manager of hdfc bank cash credit cc we can 15 year of your costumer but now that type of service we can go to other side of banks if your problem is not solve please I remember for that to change our relationship manager that email :-bhautik.[protected]@hdfcbank.com and our bank account number [protected] &[protected] .

Complain for missing a packet from Bluedart courier AWB no [protected]

Its very important packet which carry important documents of HDFC BANK LTD
I am follow up since 3rd Jan and NO Response received from bluedart courier.

My name is Austyn Goveas. In October 2024 I had intended to create an HDFC saving account. However, I did not go ahead with the KYC process. I received emails saying the KYC process is not complete.
Now, I did not complete it at any point upto this day. About a week later, an employee of HDFC asked me to complete the KYC. I said I do not want to. She told me that my account would automatically be inactive after a month. I should not do anything.
Fast forward to December 21st, 2024, I get a call from an employee (I have the recording) saying that my account will incur charges for not maintaining minimum balance. I said two months had past, why are you bringing this up now?
Please note - in all this time, I have not recieved a starter kit, I do not know my account number, there is no account details at all provided.
I go to the branch as the employee instructed and filled out a form to close the account. (I have a picture of the form)

He said I would get a message of closure. I did not receive the same. But there was no call or message so I presumed the account was closed.
Today, january 13th, I recieved 2 emails back to back saying I am charged 600 inr for November and December for not maintaining balance.

1. There is no account.
2. I am charged for minimum balance for an inactive account.
3. Kyc was not done.
4. The account should have been inactive after 30 days.
5. I was lied to by 2 employees of HDFC.
6. I did not recieve he started kit nor did I get any details of this account.

And now I am being charged 1200.

I had a Salary account in HDFC they changed it to savings account and now they are asking me to pay ₹2500+ for not maintaining minimum balance which is ₹10000. I don’t earn that much to maintain such amount or pay maintenance charges.

Amaze honda car tn69bm2266 fastag balance rs 1160 wallet status active but not able to recharge no account in hdfc bank please resolve this hdfc fastag problem

To the Consumer Court,

I am writing to bring to your attention an issue regarding unauthorized deductions made by HDFC Bank from my savings account. Despite not opting for any related scheme or service, the bank has deducted the following amounts from my account without my explicit consent:

1. ₹64.00 on 07 January 2025
2. ₹65.00 on 06 January 2025

These deductions are labeled as "APY26255826" in the transaction details, which appears to be related to a scheme or service. However, I have never subscribed to or authorized participation in this scheme.

When I contacted the bank's customer care, I was informed that I need to visit the branch in person to cancel this deduction. This process is highly inconvenient and unfair, especially given that I never agreed to enroll in the first place.

I believe this action by the bank violates consumer rights, as they have deducted money from my account without my prior consent or authorization. Furthermore, the lack of an easy and transparent resolution process adds to the inconvenience.

I am requesting the following actions:
1. A full refund of the unauthorized deductions (₹64.00 and ₹65.00).
2. Immediate cancellation of any unauthorized schemes or services linked to my account.
3. A written explanation from the bank regarding how and why these deductions were made.

I am attaching a screenshot of my account statement highlighting the unauthorized transactions as evidence.

If the issue is not resolved promptly and satisfactorily, I will be compelled to escalate this matter further, including filing a formal complaint with the Reserve Bank of India and seeking legal action for compensation for the inconvenience caused.

I trust the Consumer Court will intervene to ensure my grievance is addressed appropriately.

Yours sincerely,
Edwin Martin
[protected]

Sir 10000 deduct (Update: inr 10, 000.00 debited from a/c xx0410 on 5-jan-25. Info: mctf atw 03/01
526099XXXXXX2920KVRANGAR.) from my account.
I call to customer care they said you make a atm transaction of 10000rs. On 03/01/2025. At that time 10000 rs. Debited from my account and credited at the same time, but i done transactions and the money was refunded. And now they have debited that from my bank.
How is this possible.
Now 10000 rs. Have been deducted from my account as mctf atw transaction.
Sir pls revert asap.

A/C Holder Name: CHANDAN KUMAR MANDAL
A/C No: [protected]
IFSC Code: HDFC0004325
Branch: GANESWARPUR BALASORE

I opened an Individual Current account online on 22/10/2024 and completed the video KYC and the account got activated. I got my kit delivered to my address. Even after kit has delivered HDFC bank called me to verify that. Then I started using this account without any issue for next 2 months. During those 2 months, each time towards month end I got a call from HDFC Bank staff that someone will come to my address to verify it but no one really came. After a few days one agent came named Rajesh Parida, on the same day from my branch one official named Arup Dutta call me too to let me know that someone is going to come for verification. I asked him that already one agent is here, he then asked me to do a conference and talked to him. That 3rd party agent Rajesh Parida did clicked photos and took 500 rupees from me. Money isn't an issue here. Even after a month I didn't get my QR. Again around 28 November I got a call from same staff Arup Dutta, and another staff Subash Nayak, and arranged a field visit on 3rd December (3/12/2024) but NO one did came. And after few days, on 16/12/2024 my account got blocked. When I login to app, it says no account exist, debit, credit, insta service everything is blocked.

I visited the Branch on 3/1/2025 and foud out that they are complete nonsense. The staff said when you submit a request to open an account online, HDFC opens it instantly but only after video KYC the kits are given, in your case it seems like your KYC is pending. Then I showed the kit, cheque book, ATM card, Green Pin letter and now she was completed silent. Then the branch manager didn't even asked his staff whether they really called me for verification and not, he started doubting me as a fraudulent person. They were kinda enjoying by giving evil smile. He said it's confidential for security reasons so they won't say who will verify my address for a successful CPV. He said NO bank officer had visited your address, then again he said NO agents are assigned for this purpose. He asked me to show the names who called me, I said just give me 5 minutes I will let me know. When I was about to search my call logs, the staff Arup Dutta came forward and said he and Subas Nayak talked to me over call. Now the stupid branch manager asked him what's the problem, now Arup Dutta said, Subash Nayak went for a visit but customer (me) was not present and neither he picked up the call so he gave negative review for CPV. This is completely nonsense, I was available at the address. The fact is they never came and never called. They were just bunch o[censored]neducated, unethical people working there. Even that manager asked his employee to transfer my account to another branch and asked me to go there and talk to them. Customer care said they couldn't help, just wait.

I want my account to be active and operational within this week else I will file an FIR against HDFC Bank.

I have visited the branch to check on why is hdfc charging debit return charges for my account when m paying my loan amount from amazon pay later on time. The branch staff had confirmed me that the charges are from amazpn pay later side. When i checked with amazon pay later team they gave me the statement and confirmed that the they have not charged any return charges. When i checked my last 6months statement. I have noticed that HDFC has debit almost 4000rs from my account inspite me paying my installments on time.
I want an immediate refund for the ACH debit returns.
My contact detail [protected].

Thanks
Rohini

This is Aishwarya Patil. I was having my salary account in HDFC bank. Later it was converted to savings account which I was not aware of. I transferred 11000 to my account but bank has deducted minimum charges of 6140 rupees in a single day without any intimation. We visited the base branch (HDFC bank Shivanagar branch Bangalore) requesting to reverse the minimum charges by stating we were not aware of this. But there is no proper response from the branch. We request you to kindly check on the complaint.

Subject: Shocking Harassment by a Leading Private Bank-HDFC BANK

As someone dealing with financial challenges due to job loss, I’ve been trying to address my credit card dues with transparency and integrity. Despite this, a leading private bank has resorted to unethical practices, including:

Third-Party Harassment: Recovery agents have been sent to people I know, threatening them and violating my privacy by disclosing personal financial details.
Misuse of Lien: Funds from my savings account were blocked and not transferred to my credit card account promptly, causing additional charges and penalties.
Refusal to Provide EMI Options: Despite explaining my situation and making partial payments, the bank continues to exploit the situation rather than provide a feasible solution.
Such predatory behavior, especially toward a long-standing customer, is unacceptable. Financial distress due to job loss is already challenging; adding harassment and unethical practices to the mix is deeply troubling.

It’s high time banks reevaluate their approach to handling customers in crisis and adopt humane practices.

Ordered an item from vendor Taneira (Order ID: T[protected] which was returned and as per vendor they have issued the refund on 20th March 2024. Despite multiple attempts talking to the bank and the vendor, I haven't received my refund. Refund amount is 2499. Kindly look into the matter.

I can see that my bill statement is viewing the OFFUS EMI PRIN status with around 32k from last month. Above thing is getting included in my bill statement and why would I pay the due charges if they are not being used by me at all.

Sir my Hdfc current account kyc is pending for more times. I went to my home branch and submitted my KYC application, it has been almost 3 months and till now there has been no response; my KYC is showing as pending and I am facing a lot of problem in doing account transactions, hence I request you that either you get my KYC activated as soon as possible or get my account closed so that I can start my transactions from another bank.

Behalf of me, as an employee my previous company opened a zero salary account in HDFC Bank Jaipur Ashok Marg branch in 2022. In the first week of December 2024, I have transferred by branch from Jaipur to Kondotty. I have started reusing the bank account recently and I have transferred my personal loan amount around 3.33 Lakh rupees to this account. After spending I kept around 30000 rupees in the account. Today I noticed that the HDFC Bank has been deducted around 4500 rupees from my account as AMB Charges. They have deducted around 700 rupees per month from my account on 12th December 2024 with out informing me.(included screenshot in attachments). I am requesting here to take necessary action to get back my amount and penalize the bank for same.

Account Holder: PRABEEN C
Account Number: [protected]
IFSC: HDFC0004306
Branch: KONDOTTY

Phone Number: [protected]

I'm a student pursuing my bachelor's, , i recieve 1000rs for my miscellaneous expenses, out of which hdfc deducted more than 500 rs, citing amb charges, how am I supposed to survive now for two weeks?. First they deducted 240 for the month of November as my account was below 5000 i thought ok I will maintain from this month as I'm going home, then they kept deducting more money citing various other charges going as far back as april, they kept deducting till my account balance was zero. My exams are going on currently l, how am I supposed to survive 1000kms from my home, I was given no warning, recieved no phone calls before deducting, they have properly ruined my life.

I am also taking reference of following complaint:

https://www.consumercomplaints.in/hdfc-bank-hdfc-manager-was-saying-wrong-words-...⇄

I received a call on 6 Dec 2024 and initially things seem OK..I thought of moving ahead and provided relevant communication information like my phone no..alternate phone no and nominee phone no. After some time I decided not to move ahead and asked him that I will connect with him if I want to. few days later he started calling on all phone no I provided. I stopped responding him but he kept on calling on my wife's phone no. Today I picked up the call and asked him simply not to call on any of the phone no. He became abusive and started with foul words like mentioned in previous complaint above. He kept on calling on my landline no, mobile no. I have disconnected the landline and blocked on mobile no. His detail are:

Name - Adesh or Aadesh Kulkarni
Phone No - [protected] and [protected]

HDFC Life should do something with this person. He is maligning HDFC Life name.