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HDFC Bank Complaints & Reviews

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Updated: Dec 16, 2025
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D
Deven Kr.
from Delhi, Delhi
Jul 26, 2018
Resolved
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Address: 110043

Dear sir, i bought a mobile from amazon.com on (25th-may-2018) with emi option of my hdfc credit card the transaction amount was (Rs.10999 for mobile + rs.449 for mobile protection plan. That total amount is rs.11448) which i have paid by my hdfc credit card. But because of the wrong order of the product i canceled the order and asked amazon to return my refund. After two days i have received some emails regards my refund of amount from amazon. They said "sir that we have made your refund, you will be seen the amount in your account in the next 5-7 working days. Till the end of completed 7-10 days no credits were found in my card. That amount of emi coming in my bill statement every month and i don't know why every month i'm being paid the money that i do not have.
Today, it has been 2 months since i have requested for my own money. So many times i talk to hdfc customer care and every time i talk to care represenetative they take complaint but nothing happens. And some time says that"sir amazon has your money and amazon speaks that we take full money from the bank and the bank takes you that money every month through emi and your money has been refunded as soon as we talked to you. We do not have any money for you.

Now i m asking to you sir plz tell me where my money is. Plz give me my own money. Plz do needfull.
Sep 7, 2018
Complaint marked as Resolved 
refund still not received. no any response from bank.
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Jul 26, 2018
HDFC Bank Customer Care's response
Dear Customer,

We have reviewed your queries and you may look forward to receive a response to your e-mail id in 3 working days. We request you to bear with us in the interim. The reference number for this interaction is[protected].

-Anay
HDFC Bank Customer Assistance
Sep 09, 2018
Updated by Deven Kr.
Mr. Anay plz update me about my query.
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    B
    Bhargav Vadlamoodi
    from Delhi, Delhi
    Jul 26, 2018
    Resolved
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    Resolved

    Address: 560037

    Hi,
    I have applied for hdfc credit card around 15 days back, and the status is in process but i got message from hdfc bank to my mobile number saying that "one time password (Otp) for hdfc bank credit card ending with xxxx is xxxxxx. Pls use this otp at hdfc bank atm (Language selection screen) to create your atm pin before 25aug18".

    Kindly let me know how many days i have to wait to get a card.
    +1 photos
    Aug 26, 2018
    Complaint marked as Resolved 
    HDFC Bank customer support has been notified about the posted complaint.
    Verified Support
    Jul 26, 2018
    HDFC Bank Customer Care's response
    Dear Customer,

    We have taken note of your comments expressed and confirm that, as an outcome of our review, an HDFC Bank credit card number ending with 3363 has been approved and will be despatched to your mailing address maintained with us. You may look forward to receiving the card shortly.

    Anay,
    HDFC Bank Customer Assistance
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      C
      Chetan.k1
      from Delhi, Delhi
      Jul 26, 2018
      Resolved
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      Address: 110074

      Dear concern

      Amount of 2527 has been deducted without any information i am a loyal customer of hdfc associated with bank for than 5 years but from few months.. Bank has deducted money any how as they have target to recover atleast 2k every month.
      Would request you to look into this and if possible please suggest me to close account and transfer my remaining loan to other bank since i am not able to effort this useless deduction which is without any information..
      600 again has been chared for gst. Why may amount has been deducted in july which has been already communicated to bank.
      Again 158 for april month
      Again 247 some gst charges for april month only.
      Similarly all together 2527 in single day deduction.
      Please understand i am salaried person and will not able to effort this much of deduction every month and which is not applicable in other bank.
      Please advise and request you to sort this urgently.
      Regards
      Kumar chetan
      Aug 29, 2018
      Complaint marked as Resolved 
      HDFC Bank customer support has been notified about the posted complaint.
      Verified Support
      Jul 26, 2018
      HDFC Bank Customer Care's response
      Dear Customer,

      We would like to state that outstanding charges are recovered from your account since the required balance was not maintained. The charges are levied as per the schedule of fees and charges applicable. We request you to write to [protected]@hdfcbank.com for any further clarification or assistance.

      -Anay
      HDFC Bank Customer Assistance
      Jul 27, 2018
      Updated by Chetan.k1
      Thanks for reply.
      Please advise on process to close account and to transfer balance loan amount to other bank.
      April charges shouldn't be deducted in July and please let me know which bank use to deduct balance for 2500 without any information and if a personhave enough balance and he or she not using net banking they will never come to know dis type of deduction.
      Thanks
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        R
        ranjeetghorpade
        from Kanpur, Uttar Pradesh
        Jul 26, 2018
        Resolved
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        Address: Kolhapur, Maharashtra

        Sir i have credit card in hdfc bank, last 3 months i don't have job right now, my family went from major medical treatment of my father and main accident. So that i have plan settlement my credit card, from last 2 months the hdfc peoples contact with on different numbers, they are harassing me daily with 15 to 20 calls, i told to him, pl give the settlement, but the people is not interest to settlement my credit card, they peoples always to confuse me. I sent mail to [protected]@hdfcbank.com on 12 july and i got reply from priorityredressalrpm. [protected]@hdfcbank.com to contact mr. Amit on the number [protected] for further assistance on settlement. But yet i have not received any reply even though i contacted him. He is saying its not possible to do settlement form his end. Now what i can do in this case. I did everything. I called some numbers they are not picking my call. I have all the details of recorded phone calls, sent mails, sms and all. So, please try to understand my issues and close my card with lowest settlement amount.
        From hdfc bank fulchand chavan form collection department mumbai and his team is daily harassing me. Please contact me on ghorpade. [protected]@gmail.com my reference number for this correspondence is [protected] got from hdfc.
        Aug 29, 2018
        Complaint marked as Resolved 
        HDFC Bank customer support has been notified about the posted complaint.
        Verified Support
        Jul 26, 2018
        HDFC Bank Customer Care's response
        Dear Customer,

        we have reviewed your comments expressed and confirm having responded to your email id on July 18, 2018. The reference number for this interaction is [protected].

        -Manoj
        HDFC Bank Customer Assistance
        Yes, but as per your mail, I contacted to Mr. Amit Ghorpade from Kolhapur. But he said he don't have right to do settlement. Now what can i do ?
        Yet I haven't got any reply from hdfc
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          S
          Shruti Kurup
          Jul 26, 2018
          Resolved
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          Resolved

          Address: Mumbai City, Maharashtra, 400042

          This is Shruti Kurup, account number[protected] and branch : sector 17, vashi, navi mumbai .I had a salary account with hdfc while working with Wipro 4 years back and is inactive since then.I had requested via email as well as send documents via mail to deactivate that account as I shifted to USA. Now I wanted to open an Nri account and they say I have to pay 9000 to do so.
          Sep 4, 2018
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Verified Support
          Jul 26, 2018
          HDFC Bank Customer Care's response
          Dear Customer,

          Please note that there is no provision to process account closure request through email. We request you to send a fresh application to the branch through courier or post for the closure of account.

          -Anay
          HDFC Bank Customer Assistance
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            P
            p.pramav
            from Pune, Maharashtra
            Jul 26, 2018
            Resolved
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            Address: Pune, Maharashtra

            Hello team,

            I am a hdfc bank credit card holder. The bank has auto debited some amount from my credit card number ending with 4181 without my concern on date:[protected]. I am not interested about this service and don't want this membership any more. So cancel the membership and refund this debited amount.

            Oneassist relationship memberid: field 29
            Name :- pranav prakash
            Mobile no. :- [protected]
            Credit card number ending :- 4181
            Relationship id : 2420637

            Thanks,
            Pranav
            Aug 6, 2021
            Complaint marked as Resolved 
            HDFC Bank customer support has been notified about the posted complaint.
            Dear Pranav,

            Greetings from OneAssist,

            We are sorry for the trouble caused to you.

            As per your request we have initiated the cancellation process vide service request number-3388380. Your refund 1899/- will be credited to your account within 5 to 7 working days.

            Regards,

            Sophia,

            Team OneAssist.
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              N
              Naresh More13
              from Mumbai, Maharashtra
              Jul 25, 2018
              Resolved
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              Address: Mumbai City, Maharashtra, 400014
              Website: www.hdfcbank.com/branch-atm-locator/hdfc-bank-banks-dadar-east-mumbai-6159/Home

              Hi hdfc bank,
              My customer id is 20894192
              I have opened the account almost long back and now you started charging me something weird which was not stated to me. I see multiple transactions which are being charged for no reason.
              If you don't revert these charges i'm going to end my relationship with hdfc by closing my saving and current account.

              Each month i am getting deduction of inr 17.70 in my both (Saving + current) account. Stop this on high priority.
              Below some cases
              Inst-alert chg inc gst -inr17.70
              Ib funds transfer dr-[protected] - inr17.70
              Aug 28, 2018
              Complaint marked as Resolved 
              HDFC Bank customer support has been notified about the posted complaint.
              Verified Support
              Jul 26, 2018
              HDFC Bank Customer Care's response
              Dear Customer,

              Effective 1st April 2013, customer's registered for InstaAlerts service with 'SMS' facility, would be charged as follows: Salary/Savings Account: Rs. 15/- per quarter Current Account: Rs. 25/- per quarter Additional Information: Customer's who are registered only for 'Email' alerts facility for receiving InstaAlerts will not be charged. Debit/Credit Card Transaction alerts sent as per regulatory guidelines and NetBanking transaction alerts do not form part of InstaAlert Service. Customers who are not registered for InstaAlert service will continue to get these alerts free of charge. All fees and charges mentioned above will attract Goods and Services Tax (GST) @18%. For further assistance, you may contact us on [protected]@hdfcbank.com

              -Anay
              HDFC Bank Customer Assistance
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                J
                Junaidk569
                Jul 25, 2018
                Resolved
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                Address: Mumbai City, Maharashtra, 400061

                A deduction of 260.88 inr was done without my knowledge.

                This is to ascertain the fact that i have not used my card for retail purchase on the mentioned date.

                Cheque/ref no.:mir[protected]
                Withdrawal:260.88

                Narration is as follows :
                Dc intl pos txn markup+st[protected]mir[protected]

                Date:25 jul 2018
                Value date:25 jul 2018

                Kindly explain the same as to the nature of this transaction. Thanks in advance.
                Aug 27, 2018
                Complaint marked as Resolved 
                HDFC Bank customer support has been notified about the posted complaint.
                Verified Support
                Jul 26, 2018
                HDFC Bank Customer Care's response
                Dear Customer,

                We request you to write to [protected]@hdfcbank.com from your registered email ID, mentioning the issue along with your account details, to enable us to check and assist you further. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail. We'll sort this out for you.

                -Anay
                HDFC Bank Customer Assistance
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                  J
                  Jose Thomas P
                  from Bengaluru, Karnataka
                  Jul 25, 2018
                  Resolved
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                  Resolved

                  Address: Bangalore, Karnataka
                  Website: www.clubmahindra.com

                  The transaction was happened on 7th august 2017 through merchant "club mahindra" of amount rs. 31550.

                  I got a call from hdfc customer care telling that a transaction was happened on my credit card and they were asking whether i am authorizing it or not. I told that i have not made any transaction and i am not authorizing it. Once the call is disconnected, i found that i got a message in my mobile stating that rs 31550 was debited from my card. Soon i called customer care again and explained the situation and deactivated my card. I have also raised a complaint with hdfc team. They have reverted the amount on credit card as they were investigating on it.

                  After two months, i got reply from customer care providing the payment bill that was made by someone at club mahindra. The bill clearly shows someone's name, signature and other details. Only the credit card and it's expiry date was same.

                  I am not sure how hdfc can authorize this transaction without any otp or any other confirmation. They have again added this amount telling that i need to bear this amount. I have made multiple follow ups, but of no use. They were asking me to contact merchant and get the cancellation proof.

                  Every month during the time of payment, hdfc team call me up and asking for the payment, but there is no action from their end to resolve the issue. Even i have made a payment amount of rs. 1850 as it was the last date and they assured that they will resolve the issue soon.

                  Currently the total due amount is of around rs 50, 000.

                  Request you to look into the issue and help me to resolve it soon. Awaiting for your reply.

                  Thanks
                  Aug 27, 2018
                  Complaint marked as Resolved 
                  HDFC Bank customer support has been notified about the posted complaint.
                  Verified Support
                  Jul 27, 2018
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  We have reviewed your comments and request you to revert us with the duly filled and signed form available at the below link to the below mentioned address to enable us to assist you in this regard. https://bit.ly/2vbzI3z The address for communication is: HDFC Bank Cards Division No.8, Lattice Bridge Road Thiruvanmiyur Chennai – 600 041

                  -Anay
                  HDFC Bank Customer Assistance
                  Aug 18, 2018
                  Updated by Jose Thomas P
                  Dear Sir

                  As suggested, I had reverted with duly filled and signed form to the Credit Card Dispute team. But I got a reply as below.

                  "We inform that the transactions prior to Apr 2018 statement are time barred to initiate liaison with the concerned member bank/merchant establishment. Kindly revert if any further assistance required regarding your card account, we would be glad to assist you."

                  Hence could you please look into the issue and help to resolve at the earliest. Please let me know how to proceed further on this.

                  Regards
                  Jose Thomas
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                    K
                    Keertijay Kumar Keerti Kohli
                    from Kaithal, Haryana
                    Jul 25, 2018
                    Resolved
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                    Resolved

                    deduction of amount in my account in the name of asd and dcd.

                    I have my account with hdfc bank since april 2011. And it deducts huge amount of money as soon as amount deposited in account. Amount deposited in september'2017 & amount deposited in july'2018. A/c statement shows it as asd & dcd amounting rs. 708 (6 times a day = - rs. 4248) & 300+ (2-3 times in a day) what is this asd & dcd stands for. Why amount cuts from account electronically without prior information also not shown in banks details,...
                    +1 photos
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                    G
                    Ganesh Kumara
                    from Delhi, Delhi
                    Jul 25, 2018
                    Resolved
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                    Resolved

                    Address: Bangalore, Karnataka, 560001

                    Hdfc credit card collection agents promised me noc after paying the settlement amount as per their instructions which i did. After paying the entire money collection agent raghvendra from hdfc credit card bangalore branch has stopped taking calls. I dont have any more money. Other collection agents have started calling me for outstanding. What should be done in this case? Can a criminal case be filed against raghavendra and hdfc?
                    Aug 28, 2018
                    Complaint marked as Resolved 
                    HDFC Bank customer support has been notified about the posted complaint.
                    Verified Support
                    Jul 25, 2018
                    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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                      L
                      from Gurgaon, Haryana
                      Jul 25, 2018
                      Resolved
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                      Resolved

                      Address: Gurgaon, Haryana, 122001

                      I have book a car at datson car dealer m/s vertex sector 66 sohana road
                      Gurgaon and deposite amount rs. Ten thousand. On behalf of booking m/s
                      Vertex sale car on my name. I have call vertex many times regarding my
                      Booking amount rs. Ten thousand refund because i have cancel to buy car. Due
                      To finance problem occurs with me. On behalf of this booking m/s vertex
                      Dealer of car: vertex nissan sohana road
                      [protected], [protected], [protected]

                      Sector 66 sohana road gurgaon loan by hdfc: phone no.
                      [protected] mr. Hormaz cama
                      Grievance no. Hbl[protected]

                      Dealer have passed the car loan on my name and emi rs. 6730/ also deduct
                      From my account i am very socked when i checked in my bank statement. I
                      Call m/s vertex dealer many times and at last i have mail him also but till
                      Now my booking amount is not transfer in my account.
                      At last it is requested to dc sahab, cm haryana pl. Interfere in this case
                      By which my rs. May refund which is rs. Ten thousand and three emi rs. 6730

                      In every month from concerned bank (Hdfc).
                      Now pl. Interfere in this regard by which amount from car dealer and hdfc
                      Bank refund me asa possible.
                      Thanks
                      Luxmi maurya[protected]
                      Aug 31, 2018
                      Complaint marked as Resolved 
                      HDFC Bank customer support has been notified about the posted complaint.
                      Verified Support
                      Jul 26, 2018
                      HDFC Bank Customer Care's response
                      Dear Customer,

                      Our team has responded to your email vide ref id[protected] on July 25, 2018, at 06:09 PM. Please check your email inbox and revert to our email in case of any pending issue.

                      -Anay
                      HDFC Bank Customer Assistance
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                        V
                        Vishusoc
                        Jul 25, 2018
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                        Hello,
                        This is vishwanath rao s. I took a loan for purchasing hero honda passion plus in february, 2017. The loan was repaid completely within the duration.
                        My vehicle no is ap25n9638, chasis no: 07b09c15701, engine no: 07b08m32997. I even applied for noc twice before at your branch in secunderabad. But i didn't get any document till now. Can you please help me in getting this once and for all.

                        My contact details are as follows,
                        Name: vishwanath rao sirpurker,
                        Flat no 203, sai enclave, street no 20,
                        Singareni colony, saidabad,
                        Hyderabad. 500059
                        Email: vishwasoc @gmail.com
                        Contact no: [protected].
                        HDFC Bank customer support has been notified about the posted complaint.
                        Feb 01, 2019
                        Updated by Vishusoc
                        I didnt recieve any update from the Bank yet.
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                          S
                          Sahil Turbo
                          from Morinda, Punjab
                          Jul 26, 2018
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                          Address: Ludhiana, Punjab, 142026

                          I have received an email stating that my one assist services will be renewed automatically and charges will be debited. My card number ends with 6828, registered number is [protected] and one assist member id is [protected]. I am not interested in this service and want this service to be canceled completely. Kindly process it asap to avoid unnecessary proceedings to refund after debit.
                          HDFC Bank customer support has been notified about the posted complaint.
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                            A
                            abhi2403
                            from Noida, Uttar Pradesh
                            Jul 25, 2018
                            Resolved
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                            Resolved

                            Address: 201001
                            Website: HDFCbank

                            Hi, my name is abhishek sharma and my hdfc cc ([protected]) expired in mar-2018 i am still waiting for new card, but bank is charging service fees every month. This seems to be very tricky - banks normally get the alert generated for all cc that are expired and they have plenty of checks every where - than why they are not using this kind of check for customer service. I have heard from many people this keeps on happening and hdfc is only one of the major bank doing this.
                            Sep 8, 2018
                            Complaint marked as Resolved 
                            HDFC Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Jul 26, 2018
                            HDFC Bank Customer Care's response
                            Dear Customer,

                            Hi, we wish to clarify that, as you are aware payment of atleast the minimum amount due towards the card outstanding needs to be received by the bank to ensure that the card account is active and available for usage. Further, to avoid levy of finance charges and late payment charges, payment of the total outstanding needs to reach the bank by the payment due date.We observe that your credit card was sent to your mailing address maintained with us through Blue Dart courier vide Airway Bill number [protected] and the same was received by you on February 22, 2018. For any further clarifications, you may contact our Phone Banking officers at any of our 24 hour Phone Banking numbers mentioned in the below URL. http://www.hdfcbank.com/personal/find-your-nearest/find-phone-banking?ifn=no

                            -Manoj
                            HDFC Bank Customer Assistance
                            Respected sir,
                            I would like to draw Ur attention,
                            My Loan a/c[protected], amount already disbursed and two EMI has been deducted but my insurance hasn't been made,
                            What is happening in HDFC Bank,
                            There is big Scam happening,
                            Please help me sir otherwise public will loose trust from HDFC bank.
                            Regards Rajnish kumar lal
                            [protected]
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                              rajeev262
                              from Mumbai, Maharashtra
                              Jul 25, 2018
                              Resolved
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                              Resolved

                              Address: Hyderabad, Andhra Pradesh, 500054

                              My credit card got expired hence they send other card to my address but i have not yet received the card but showing statement balance of 2, 379.00, i have not received the card itself not even activated the card than how my statement balance can be 2379, & also the new card is visible as activated card in my net banking, when my old card complete bill was cleared & there is no emi also & new card i have not received & activated than how statement balance of 2379?

                              I can't check in internet as it is showing service unavailable, i went to bank they call customer care than that customer care has given another customer care no, whole day tried inside bank but that customer care no was coming every time busy, bank people told me they are helpless to help me out only customer care can solve my problem & that customer care is coming busy than how to solve my problem when bank people is saying i am helpless to help you out.
                              I want bank to clear the statement balance to zero & deactivate or block my credit card & resend other card to my address asap.

                              With regards,
                              Rajeev
                              Aug 31, 2018
                              Complaint marked as Resolved 
                              HDFC Bank customer support has been notified about the posted complaint.
                              Verified Support
                              Jul 25, 2018
                              HDFC Bank Customer Care's response
                              Dear Customer,

                              I request you to share your complete concern, card no. and registered contact details to [protected]@hdfcbank.com with ref ID- TTU[protected] in the subject line. Will assist you better.

                              -Anay
                              HDFC Bank Customer Assistance
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                                S
                                skmanish
                                from Delhi, Delhi
                                Jul 25, 2018
                                Resolved
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                                Resolved

                                Address: 122001
                                Website: www.hdfcbank.com

                                To the,

                                Hdfc bank,

                                I had applied for the credit card before 20 days ago although all the verification has been done via physically and via call.
                                But after all the activity i didn't receive my card. When am checking via web there is showing status is in process.

                                Guy's please don't make fool if you can't please directly denied that we can't.. It was my 1st experience with hdfc and am totally disappointed with you guy's and make sure in future i'll never recommend anyone to connect with you...

                                Thanks
                                Manish [protected]
                                Aug 30, 2018
                                Complaint marked as Resolved 
                                HDFC Bank customer support has been notified about the posted complaint.
                                Verified Support
                                Jul 25, 2018
                                HDFC Bank Customer Care's response
                                Dear Customer,

                                We'll look into that for you. Please write to [protected]@hdfcbank.com with Card application number, mode of application, date of application, complete address of branch if you have applied at the branch, complete name, and your contact details. Mention this Ref No. TTU[protected]in the subject of your mail so it'll help us track your e-mail.

                                -Manoj
                                HDFC Bank Customer Assistance
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                                  S
                                  Ssvmhcp
                                  from Angul, Odisha
                                  Jul 25, 2018
                                  Resolved
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                                  Resolved

                                  Address: 758028

                                  Dear sir,
                                  I have paid an amount of rs. 6010/- through hdfc bank net banking for national institute of open soling 2nd year readmission fee. The amount was deduct from my account at that time
                                  But i have not got any confirmation and the it is not process. I visit at nios regional office bhubaneswar and know that they have not got any net banking payment for readmission.
                                  Please do your best for return of my amount.
                                  My personnel details as follows :
                                  Name: — manas ranjan sahoo
                                  M/no. - [protected]
                                  Hdfc bank account no. [protected]
                                  Custemer id:[protected]
                                  Ifc - hdfc0001819
                                  Branch - keonjhar
                                  Aug 28, 2018
                                  Complaint marked as Resolved 
                                  HDFC Bank customer support has been notified about the posted complaint.
                                  Verified Support
                                  Jul 25, 2018
                                  HDFC Bank Customer Care's response
                                  Dear Customer,

                                  We are working on your concern vide Ref ID:[protected] and will revert to you in 3 working days.

                                  -Manoj
                                  HDFC Bank Customer Assistance
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                                    R
                                    Ranganatha Charyulu
                                    from Hyderabad, Telangana
                                    Jul 25, 2018
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                                    Address: Kurnool, Andhra Pradesh, 518360
                                    Website: Cancellation of One Assist Membership

                                    My oneassist plan is auto activated. I am not interested in this plan and want my money back that is charged from my hdfc credit card.
                                    My plan is enhanced wa privilege single plan and i have been charged rs.1899/- for it.

                                    Kindly refund it soon as it was charged without any consent.

                                    Oneassist relationship number : 2338120
                                    Name :- poojari sujatha
                                    Mobile no. :- [protected]
                                    Credit card number ending :- 5805
                                    +1 photos
                                    HDFC Bank customer support has been notified about the posted complaint.
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                                      S
                                      shivap303
                                      from Mumbai, Maharashtra
                                      Jul 25, 2018
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                                      Address: Hyderabad, Telangana, 500050

                                      My number was auto-registered for smartpay. This never worked for me when my mobile operator was idea. Now i have ported to airtel and you have deducted money saying that you have recharged my number successfully and your customer service is so worst that they are being rude saying i need to contact them and say i have ported my number to airtel.
                                      Why would i contact you to give all my information?
                                      Has it worked for me once, i would have updated from my end.
                                      Your customer service guys does not even know the meaning of disputing a charge and they shout back, disconnect the calls. For this reason, i had to call multiple time with no resolution for it.
                                      They say that they have de-registered smartpay when i have already done it from my end.
                                      One says the charge will be refunded only when they cancel from their end. (Just cancelling from their end)
                                      This is not what we expect from a private bank.
                                      HDFC Bank customer support has been notified about the posted complaint.
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