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HDFC Bank Complaints & Reviews

2.9
Updated: Dec 16, 2025
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HDFC Bank reviews & complaints page 688

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S
Sunil Guptaa
from Renukut, Uttar Pradesh
Jul 7, 2019
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Address: 470 POLICE LINES LUCKNOW, Lucknow, Uttar Pradesh, 226020

Sir
I have already pay total balance but NOC not receive till date...and again to again request please send my credit card NOC on my email I'd.. sunil.[protected]@rediffmail.com or my permanent address ...470 Police Lines Near-IT Chauraha Lucknow 226020

Thanking you
With best regards
SUNIL KUMAR GUPTA
MOB-[protected]
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    M
    mukeshkhare1985
    from Gurgaon, Haryana
    Jul 7, 2019
    Resolved
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    Resolved

    Address: New Delhi, Delhi, 110044

    Dear hdfc officials,

    I am the account holder of hdfc bank with account number: [protected].

    Today when i checked my account via internet banking and i found available balance inr -2, 206.92. I was shocked why it is showing in a negative amount.

    When i investigated the same i found that this account has been changed into normal account and these charges are the monthly non-maintenance charges.

    Sir, it was my salary account (Zero balance account). Why nobody from your side informed me that it has been converted into normal account and rupees 10k is the maintenance amount per month.

    I am not able to pay any single rupees to the bank due to my financial condition. Also, i want to close this account immediately because i am not able to maintain the min. Amount of 10thousand rupees per month.

    Please investigate my request and do the needful to close the account.

    Thank you,

    Mukesh

    [protected]
    Aug 19, 2019
    Complaint marked as Resolved 
    HDFC Bank customer support has been notified about the posted complaint.
    Verified Support
    Jul 08, 2019
    HDFC Bank Customer Care's response
    Dear Customer,

    We are working on your concern vide Ref ID:[protected] and will revert to you within 4 working days.

    -Nadia
    HDFC Bank Customer Assistance
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      D
      Dsnaman
      from Mumbai, Maharashtra
      Jul 7, 2019
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      Address: Mankapur chini mills limited Datauli Gonda U.P, A unit of Balrampur chini mills limited., Balrampur, Uttar Pradesh, 271306

      Dear sir, /Mam,
      I would like to inform you that i was taken a diner club international
      HDFC credit card during campaining held at Balrampur chini mills Datauli Gonda U.P. On Feb 2018.
      Since then i have never used and active this card but i was surprised to see that my CIBIL score was letdawn due to defaulter of this credit cards, your salse representative Mr, Deepak, / Anil ranjan & Mr, nisit Bhardwaj said to me that your credit card Diners Club life time free service but present time i asked your customer service then your customer service representative told me that your card not life time free it is chargable amount 4200rs.
      whenever i were taken your credit cards that time approx 50 person applied to your credit card service behalf of my opinion but present time all of my friend blame to me. So please seen my application and solved my problem your HDFC bank very popular for honest working i have always touch with you for your bank but i am serprise for this scandal S i hope that you are helping me for this problem please consider my application and requst to you that solced my problem, I am working with an organization which have all corporate account link with HDFC bank but this incidence loss all faith from your bank,
      i allready mailed to aditya.[protected]@hdfcbank.com & customerservice.[protected]@hdfcbank.com on date 04/07/2018 & 05/07/2018.

      Card dispatch letter detail as follows
      Ref; EB69070592 Dated 28/02/2018
      Card no, 368357xxxx6647
      Mobile no; [protected]
      I have contact your branch HDFC bank mankapur as well as Gonda branch to resolve the issue and surrender of this cards but culd not succeeded
      i request please look in to matter and resolved the issue immediately.
      Regards,
      Dharmendra Singh
      Dy, manager engineering
      Mankapur chini mills, limited
      Datauli Gonda U.P. = 271306.
      A unit of Balrampur chini mills limited.
      Mob, no. [protected]
      HDFC Bank customer support has been notified about the posted complaint.
      Jul 07, 2019
      Updated by Dsnaman
      Please resolved my problem.
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        S
        surendersc
        from Ahmedabad, Gujarat
        Jul 7, 2019
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        personal loan cheque bounce charges

        Address: Flat no 104, 1st Floor, Sunshine Apartment, Savita Nagar, Rajula - Gujarat, Amreli, Gujarat, 365560

        Dear Sir,

        Still my complaint not been shortout by the hdfc bank id-2358187. As per the complaint they are charging cheque bouncing which was already updated through their customer service centre about payment will be made by ifsc but still they charge extra. Plz do the neddful as I want to close the loan account 35100099 by this month by paying the actual pending amount less the charges.

        Regards,
        Surender...
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        L
        Lintojohn
        from Perumbavoor, Kerala
        Jul 6, 2019
        Resolved
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        Resolved

        Address: Idukki, Kerala, 685584

        Sir,
        I have one hdfc credit card. (Card no[protected]*) on 7th may i called kerala customer care and told them to cancel my credit card permanently. They told with in 7 days i will get call for confirmation and then it will cancel. But i have not receive any call. Then again i called customer care on 22th may, they told me the same matter, but no result received. Then on 15/06/2019 i sent a closure form to hdfc chennai office regarding this, but till date i dont receive a call or any confirmation message regarding cancel. Please do the needful.

        Linto john
        [protected]
        +1 photos
        Aug 11, 2019
        Complaint marked as Resolved 
        HDFC Bank customer support has been notified about the posted complaint.
        Verified Support
        Jul 08, 2019
        HDFC Bank Customer Care's response
        Dear Customer,

        We are fully sensitized to your comments expressed with regard to your credit card. We confirm having processed your card closure request for your credit card ending with 3824.

        -Nadia
        HDFC Bank Customer Assistance
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          K
          Khoirom Sanjay Singh
          from Imphal, Manipur
          Jul 6, 2019
          Resolved
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          Resolved

          Address: MG Avenue Thangal Bazaar Imphal Manipur, Imphal East, Manipur, 795001

          Dear Sir
          I have been already resigned from HDFC Bank LTD as I'm working as a sales officer with employee code CK 15291 it's almost over one year old and I have been send many mail also but still now I didn't get any response for my full and final settlement so please help me to get my PF
          and relieving letter

          Thanks and regards
          Khoirom Sanjay Singh
          Aug 9, 2019
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Verified Support
          Jul 07, 2019
          HDFC Bank Customer Care's response
          Dear Customer,

          We have shared your comments with the concerned team and our HR Team will get in touch with you. For clarification in the interim, please email at Exit.[protected]@hdfcbank.com.

          -Nadia
          HDFC Bank Customer Assistance
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            K
            krishnamohan1837
            from Hyderabad, Telangana
            Jul 6, 2019
            Resolved
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            Resolved

            Dear team

            I want to change mobile number for my hdfc food plus card bearing no. [protected]. I am unable to login to the prepaid netbanking as i forgot my password and userid.

            Also forgot password and forgot userid is not working.
            My original number was [protected] and it has to be updated with [protected].

            Please contact on krishnamohan. [protected]@gmail.com or [protected] for any queries

            Regards
            Krishna
            [protected]
            Aug 7, 2019
            Complaint marked as Resolved 
            HDFC Bank customer support has been notified about the posted complaint.
            Verified Support
            Jul 07, 2019
            HDFC Bank Customer Care's response
            Dear Customer,

            This is in reference to your query on mobile number change for your Food Plus card. 1) We would request you to get in touch with the concerned person from your corporate, which needs to be updated. On receipt of the request from your corporate, the request will get processed. 2) You can also visit the nearest branch and submit a request for change of mobile number. We would request you to please let us know if we can assist you any further. Assuring you of our best services at all times and wishing you a great experience with your FoodPlus card.

            -Nadia
            HDFC Bank Customer Assistance
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              R
              ravendra chaurasiya
              from Mumbai, Maharashtra
              Jul 6, 2019
              Resolved
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              Resolved

              Address: Goregaon, Mumbai City, Maharashtra, 400060

              Hi higher management\director’s,

              First of all, i am apologies to disturb you but i need your interference to sort out my issue as i am not getting any response from customer service. I tried my best to reach customer care.

              I sent mail to [protected]@hdfclife.com 3 days back - no response
              I sent follow up mail yesterday - no response
              I tried to take the help from on-line chat - no response
              I called hdfclife cc hotline number - that guy disconnect the call-in middle of communication.

              I am reliable customer of hdfc bank since more than 10 years and using multiple services like home loan/credit card/salary account and never had single issue yet.

              But this time i bought a policy from hdfc life which was my biggest mistake.

              Issue:- i have bought policy 10-15 days which i want to cancel as after detail analysis i found that did not full fill my expectation. And have provided all the requirement which needed for this cancelation. But not getting any response from cc.

              So that i am escalating to you, if you are not the concern person please forward this mail to concern team of hdfclife. And also, i am looping to hdfclife support but i am sure i will not get any reply from them.

              Policy no:[protected]
              Registered email from where i sent mail: [protected]@gmail.com

              Regards
              Ravendra
              [protected]
              Aug 12, 2019
              Complaint marked as Resolved 
              HDFC Life customer support has been notified about the posted complaint.
              Verified Support
              Jul 09, 2019
              HDFC Life Customer Care's response
              Hi, kindly inform the customer that the policyholder complaint is already registered by us with SR No. 1-[protected]. Further, the same is being look into and response will be shared with the policyholder.
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                H
                Himanshi Nogia
                from Noida, Uttar Pradesh
                Jul 6, 2019
                Resolved
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                Resolved

                Address: 138-B Survey No 129, Bhavani nagar opp army camp gate no 2 galpadar, Kutch, Gujarat, 370240

                I am ex. Employee of hbl global pvt ltd. I joined @ 29 sept 2018. My details furnished below for your kind reference.

                Now i would like to get my pf settlement. Kindy send me the details of the
                Same and send the pf settlement application also. And where to send & what are the documents requried. Plz send to my email id

                My name - himanshi narendra nogia
                Employee no. - h08558
                Location worked - gandhidham, gujarat for hdfc bank ltd
                Date of joining - 29 sept 2018

                With regards
                Himanshi nogia
                [protected]
                Gandhidham
                Aug 15, 2019
                Complaint marked as Resolved 
                HDFC Bank customer support has been notified about the posted complaint.
                Verified Support
                Jul 06, 2019
                HDFC Bank Customer Care's response
                Dear Customer,

                let us look into it for you. Please share your Account No. with registered contact info & the issue on [protected]@hdfcbank.com. Mention this Ref No. TTU[protected]in the subject of your mail so it'll help us track your e-mail.

                Amitha
                HDFC Bank Customer Assistance
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                  R
                  Rakesh Baldha
                  Jul 6, 2019
                  Resolved
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                  Resolved

                  Address: Dhayari, 411041

                  There few charges levied on my account which are unknown and never seen in my life of 12 years hdfc account.

                  Client number 20259987
                  I would like to refund these charges on my account

                  11 jun 2019 amb chrg incl gst for may2019-mir[protected] mir[protected] 11 jun 2019 177.00
                  25 may 2019 sby1612725_net_rnwl 25 may 2019 12.00
                  25 may 2019 jby1572923_net_rnwl 25 may 2019 330.00
                  07 may 2019 amb chrg incl gst for mar2019-mir[protected] mir[protected] 07 may 2019 177.00
                  07 may 2019 amb chrg incl gst for apr2019-mir[protected] mir[protected] 07 may 2019 177.00
                  20 apr 2019 inst-alert chg inc gst jan-mar2019-mir[protected] mir[protected] 20 apr 2019 17.70
                  Aug 6, 2019
                  Complaint marked as Resolved 
                  HDFC Bank customer support has been notified about the posted complaint.
                  Verified Support
                  Jul 06, 2019
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  Kindly note that the debts in your account pertain to non-maintenance of Average Monthly Balance in your account, annual premium towards PM Jivan Bima Yojana, PM Suraksha Bima Yojana. In case of any further clarification or assistance, please feel free to visit your account branch or our nearest branch. Kindly visit the following URL to access information for the complete address details of our Branches: http://bit.ly/2VV08Sn.

                  -Nadia
                  HDFC Bank Customer Assistance
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                    J
                    Jayakrishnan0007
                    from Mumbai, Maharashtra
                    Jul 5, 2019
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                    Address: 682313

                    Kindly let me know how xan i give an informatio about hdfc loan defaulter and a fraud who took a loan from mumbai hdfc and absconding now fro there and presently available in kerala. He is doing fraudulent activities preaently. How can an information of this sort can be given to hdfc mumbai for taking necessary action

                    Name :manoj pillai
                    Golden nest appartments
                    Mira road
                    HDFC Bank customer support has been notified about the posted complaint.
                    Jul 05, 2019
                    Updated by Jayakrishnan0007
                    Name of defaulter - Manoj Pillai,
                    Goldem nest appartments, Mira road, mumbai
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                      P
                      Prasanth Chandrabose
                      from Tirunelveli, Tamil Nadu
                      Jul 5, 2019
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                      Address: 42/9,N Block Umapathi manson, kalappatti, Coimbatore, Tamil Nadu, 641014

                      On 23rd may 2019, suddenly i got message like transaction successfully done for ₹1044.43 with code with mose. I have dropped disputed form in nearest branch which is keeranatham branch, coimbatore itself. They told like within 5 business days it will get resolved.. But i didn't get any response from bank..

                      Again 23rd june 2019, i got same message like transaction done ₹1043.25 with code with mose. I got surprised.. I have called to customer care service and blocked my card. Got new card. I have paid all outstanding amount on 05th july 2019.

                      Frequently i'm getting message for otp.. But i didn't share my card details in anywhere.. Even i'm getting otp for transaction for my new card too..
                      +1 photos
                      HDFC Bank customer support has been notified about the posted complaint.
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                        R
                        from Hyderabad, Telangana
                        Jul 5, 2019
                        Resolved
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                        Resolved

                        Address: Hyderabad, Telangana

                        Hello,
                        Terrible terrible experience with hdfc. I never had such a bad experience with any other banks in india. If this would have been in usa, i would have sued them by now. I recently shifted back from usa and have a salary account with hdfc. I applied for an auto loan which they dragged about documents and verification etc etc for 2.5 weeks which usually shouldn’t take longer than 3 days. Hitech city bank manager sridhar has misleaded me about auto loan approval talking to me everyday for 2 weeks saying “it’s approved, everything is done. You can buy the car in the evening “. I lost 3 weeks of time with hdfc. Later somebody else contacted me from hdfc about auto loan and when i expressed my ultimate dissatisfaction, they checked and told me that my loan was rejected long back and that sridhar has just tried fooling me everyday. I have a proof of his whatsapp messages too in misleading me to believe that actually my loan was almost approved. I dont understand the pleasure of doing this specially when i told them the seriousness and emergency for me to purchase car. I did ask him everyday saying if i should consider other banks. He kept telling me no no mam, it’s done. It’s just matter of 2-3 hrs. He fooled me for 15 days talking in terms of hours. When i understood the truth, he stopped picking up my calls.
                        2nd case:
                        I applied for a hdfc credit card. Every alternate day somebody calls me and takes my info and keep telling that they would send somebody for documents and never did it happen.
                        Shame on hdfc bank to have such people. There’s absolutely no value for customer satisfaction at all.
                        I would never bank with hdfc again. I am withdrawing my fds and de-activating the account too.
                        Aug 5, 2019
                        Complaint marked as Resolved 
                        HDFC Bank customer support has been notified about the posted complaint.
                        Verified Support
                        Jul 05, 2019
                        HDFC Bank Customer Care's response
                        Dear Customer,

                        Let us look into it for you. Please share your Loan Account No., Credit Card Application No., the complete address of the branch along with the registered contact info & the issue on [protected]@hdfcbank.com. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

                        -Anay
                        HDFC Bank Customer Assistance
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                          R
                          from Hyderabad, Telangana
                          Jul 5, 2019
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                          Address: Hyderabad, Telangana

                          Hello,
                          Terrible terrible experience with hdfc. I never had such a bad experience with any other banks in india. If this would have been in usa, i would have sued them by now. I recently shifted back from usa and have a salary account with hdfc. I applied for an auto loan which they dragged about documents and verification etc etc for 2.5 weeks which usually shouldn’t take longer than 3 days. Hitech city bank manager sridhar has misleaded me about auto loan approval talking to me everyday for 2 weeks saying “it’s approved, everything is done. You can buy the car in the evening “. I lost 3 weeks of time with hdfc. Later somebody else contacted me from hdfc about auto loan and when i expressed my ultimate dissatisfaction, they checked and told me that my loan was rejected long back and that sridhar has just tried fooling me everyday. I have a proof of his whatsapp messages too in misleading me to believe that actually my loan is approved. I dont understand the pleasure of doing this specially when i told them the seriousness and emergency for me to purchase car. I did ask him everyday saying if i should consider other banks. He kept telling me no no mam, it’s done. It’s just matter of 2-3 hrs. He fooled me for 15 days talking in terms of hours. When i understood the truth, he stopped picking up my calls.
                          2nd case:
                          I applied for a hdfc credit card. Every alternate day somebody calls me and takes my info and kept telling that they would send somebody for documents and never did it happen.
                          Shame on hdfc bank to have such people. There’s absolutely no value for customer satisfaction at all.
                          I would never bank with hdfc again. I am withdrawing my fds and de-activating the account too.
                          HDFC Bank customer support has been notified about the posted complaint.
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                            A
                            Abimathi N
                            from Delhi, Delhi
                            Jul 5, 2019
                            Resolved
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                            Resolved

                            Address: Hoodi, Bangalore Urban, Karnataka, 560067

                            From yesterday, i have been trying to transfer money either via netbanking or upi. But i am not receiving any otp from the bank. I see others with hdfc debit card is able to get otp properly.
                            But i am also getting otp or normal messages from others.
                            Is there a problem with my account or my network.
                            Can you kindly check.
                            I have tried calling the customer service from morning. But i wonder why none of the calls are getting connected.
                            Aug 5, 2019
                            Complaint marked as Resolved 
                            HDFC Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Jul 05, 2019
                            HDFC Bank Customer Care's response
                            Dear Customer,

                            I request you to share your complete concern, Account/Customer Id and the registered contact details to [protected]@hdfcbank.com with ref ID- TTU[protected] in the subject line.

                            -Anay
                            HDFC Bank Customer Assistance
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                              G
                              govind0816
                              from Bengaluru, Karnataka
                              Jul 5, 2019
                              Resolved
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                              Resolved

                              Address: 29, 21st main road kempegowada layout,laggere, 560058

                              Dear sir i applying credit card before 5 month and approved credit card also
                              But i not collect my card it was return to your bank because i was give working address but i will region my job in that office so card was return
                              Now how i get my credit card please find a solution

                              My card ending number was (0171)
                              My application no (19a[protected]s2)
                              Aug 10, 2019
                              Complaint marked as Resolved 
                              HDFC Bank customer support has been notified about the posted complaint.
                              Verified Support
                              Jul 05, 2019
                              HDFC Bank Customer Care's response
                              Dear Customer,

                              We have noted the concerns expressed in your post. We request you to provide the following details to enable us to do the needful. 1. E-mail address & City of residence 2. Mobile number as per application to assist further.

                              -Nadia
                              HDFC Bank Customer Assistance
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                                P
                                Pinks77
                                from Bengaluru, Karnataka
                                Jul 5, 2019
                                Resolved
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                                Resolved

                                Dear team,

                                This is in reference to loan number 47577226. I had taken a personal loan for 5 years and have paid emis o[censored]pto 2 years. But unable to continue paying anymore due to some financial crisis. I called your collections team and spoke to some vishal choudhary and requested him to arrange a call back from someone in the bank whom i can talk to and discuss the options. However, he straightaway refused and started talking rudely. Not sure if that was the right way to talk to a customer when someone is being pro active in reaching out to you guys.

                                Can someone please call me back on [protected] and help me out?

                                Regards
                                Prateek
                                Aug 12, 2019
                                Complaint marked as Resolved 
                                HDFC Bank customer support has been notified about the posted complaint.
                                Verified Support
                                Jul 06, 2019
                                HDFC Bank Customer Care's response
                                Dear Customer,

                                Kindly email us at [protected]@hdfcbank.com along with your contact details and restate your concerns along with the contact number of the person with whom you have spoken to that we can check further.

                                -Nadia
                                HDFC Bank Customer Assistance
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                                  C
                                  charumathi K
                                  from Pune, Maharashtra
                                  Jul 5, 2019
                                  Resolved
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                                  Resolved

                                  Address: 600033

                                  I have paid all my payment made through the hdfc credit card, but they are charging monthly amount for auto debit feature from my debit card. I have complained that i couldn't able to turn off the auto pay feature in the website and please stop deducting money for that but bank is not taking responsibility for that i have complained so many times but no use. Now it shows minus balance. I don't want the credit card please do close my card. I don't want to have account in hdfc any more.
                                  Aug 5, 2019
                                  Complaint marked as Resolved 
                                  HDFC Bank customer support has been notified about the posted complaint.
                                  Verified Support
                                  Jul 05, 2019
                                  HDFC Bank Customer Care's response
                                  Dear Customer,

                                  Let us look into it for you. Please share your Card No. with registered contact info & the issue on [protected]@hdfcbank.com. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

                                  -Anay
                                  HDFC Bank Customer Assistance
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                                    N
                                    Navaniraju
                                    from Mumbai, Maharashtra
                                    Jul 5, 2019
                                    Resolved
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                                    Resolved

                                    Address: Sylvain rest.next to Cyrus apt., Gotham lane no 1.andheri W Mumbai, Mumbai City, Maharashtra, 400058

                                    Dear sir

                                    I have get two-wheeler loan no 2006 through centurion bank. Through zaveri automobile and completed the two-wheeler loan, after completion of my loan i still not received the original rc book from bankers. That time they have told me noc is sent through courier but till now i have not receive the noc

                                    I need the noc how to proceed further

                                    With regards

                                    Raju navani
                                    [protected]
                                    Aug 5, 2019
                                    Complaint marked as Resolved 
                                    HDFC Bank customer support has been notified about the posted complaint.
                                    Verified Support
                                    Jul 05, 2019
                                    HDFC Bank Customer Care's response
                                    Dear Customer,

                                    We can help with that. Please write to [protected]@hdfcbank.com with your Loan Account No., complete concern & registered contact details. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

                                    -Anay
                                    HDFC Bank Customer Assistance
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                                      K
                                      Kani Garg
                                      from Noida, Uttar Pradesh
                                      Jul 5, 2019
                                      Resolved
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                                      Resolved

                                      Address: Ghaziabad, Uttar Pradesh, 201002

                                      Dear sir,

                                      I'm using hdfc credit card end with 5531 and i found that without any intimation you have deducted the amount of 1399 from my credit card on 15th june 2019 towards one assist plan.

                                      Kindly cancel this plan and request you to refund the amount of rs:1399. Pleases deactivate one assist membership & refund me all the deducted amount. This is unacceptable that you deduct amount on name of one assist mfee without customer's info. If it happens again i will cancel my credit card.

                                      As i am requesting this membership cancellation with 30days of "force subscription" i should be able to get refund without hassle.

                                      Deducted date : 15th june 2019
                                      Name : kani singhal
                                      Mob-[protected]
                                      Aug 6, 2021
                                      Complaint marked as Resolved 
                                      HDFC Bank customer support has been notified about the posted complaint.
                                      Faced credit card harassment in 2011 from hdfc. Since then I don't use credit card from hdfc. Better go for citi or standards chartered or hsbc.indian banks this they can do whatever they want. Infian banks really charges customers to safe guard themselves. Shams shane shame hdfc
                                      Dear sir,
                                      Plz provide my customer id to operate hdfc app, as I had lost it.
                                      Regards
                                      Jagmohan
                                      Hi,
                                      Past 5 years they charged money for this one assist company from my account. I Contacted one assist and HDFC about this matter for several times in this 5 year. But the two party, s not ready to cancel it and they foolishing me and speak about the benefits in all time. I[censored] can check it from my profile and my complaints.
                                      Dear Kani,

                                      Greetings from OneAssist!!!

                                      We are sorry to see you go.

                                      We have forwarded your details to our team and you should expect a call within 24 hours. Please note that OneAssist will never ask for your Card CVV details or OTP for membership cancellation or for processing refund.

                                      We would also like to advise you to delete all the personal details posted in your complaint, as the information provided on this site can be viewed publicly and can also be misused.

                                      Future communications will be done on your registered email id. We request you to write to us at our registered email id which is [protected]@oneassist.in in case of any query.

                                      We appreciate your patience in the interim.

                                      Regards

                                      Team OneAssist
                                      Kani Garg's [Complaint's author] reply, Jul 10, 2019
                                      How much time will it take for the refund?
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