HDFC Bank — urgent complaint against hdfc bank for mental harassment and unfair practices

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