[Resolved]  HDFC Bank — Net-Banking Issue - low severity memo present on the Debit account.

This is regarding my HDFC account being locked from the past 3-4 weeks. After login into Net-banking, I’m not able to perform any transaction, even not able to see the statement. It's showing error "There is a low severity memo present on the credit account. There is a low severity memo present on the Debit account. There is a memo present on the Debit account."

Not sure what's the delay to lift-up the lock as I'm really frustrated on chasing the same. All my transaction are pending and even some of the auto-pay have already rejected. The issue started when I changed my address and I was not able to receive the welcome letter and it was returned to HDFC head office. After that when a new address updated in my account, I received the letter and the same I had shared with home branch. They mentioned that they have updated the concern department saying that customer received the letter but still there is no resolution. This case has been transferred to home branch (Ghaziabad Branch) and I received reply from the branch on 2nd Aug. that it will be resolved in 3-4 business days but today is 6th day and still facing the same issue. I don’t think there is any proper coordination among the HDFC internal department as the associate mentioned that she updated concern department to lift-up the lock and followed-up with them several times but still they have not entertained the request and no one is able to lift-up the lock as of now.

I never thought this kind of customer service from HDFC bank as I have this account from the past 15 years and this is my worst experience ever and I lost trust which I have with HDFC bank till the date. If I’m not able to do any transaction and the account is idle then what’s the use of it. If the issue is not getting resolved soon, I’m going to explore the other option.