Arka Provo Paul shares his experience with HDFC Bank’s telemarketing team, highlighting poor communication, disrespectful behavior, and unprofessional sales calls. Choice4Voice.com amplifies unresolved issues and provides legal guidance for filing complaints against banks.
Complaint Summary Table : HDFC Bank Complaint by Arka Provo Paul – Poor Customer Service & Sales Call Experience
| Complainant Name | Arka Provo Paul |
|---|---|
| Not disclosed | |
| WhatsApp / Contact | Hidden For Privacy |
| Company / Brand | HDFC Bank |
| Complaint Type | Poor Customer Service / Harassment by Telemarketing |
| Product / Service | Credit Card Sales Call |
| Issue Description | Received an unprofessional sales call from HDFC Bank; the employee couldn’t communicate in the complainant’s language and hung up when declined. Previous complaints remain unresolved. |
| Date of Incident | 1 week ago (from post date) |
| LinkedIn Post URL | Original Post |
| Supporting Proof | Call Recording |
About the Brand: HDFC Bank
HDFC Bank Limited is one of India’s leading private sector banks, offering a wide range of banking services including retail banking, credit cards, loans, and investment solutions. Despite its reputation for innovation and customer-focused services, several customers have reported instances of poor communication, aggressive marketing, and unprofessional behavior by telemarketing representatives.
Key Facts:
- Founded: August 1994
- Headquarters: Mumbai, Maharashtra, India
- Services: Retail Banking, Loans, Credit Cards, Investment Services, Wealth Management
About the Author: Arka Provo Paul
Arka Provo Paul is a Sales Executive who actively posts on LinkedIn regarding consumer issues, especially those related to banking services. In his recent post, he highlighted repeated failures of HDFC Bank’s telemarketing team, including disrespectful behavior and poor communication skills during credit card sales calls.
Detailed Complaint Overview
Arka Provo Paul experienced the following issues with HDFC Bank:
- Unprofessional Telemarketing Call: An HDFC Bank employee named Suhani called to promote a credit card but lacked language skills and basic salesmanship.
- Disrespectful Behavior: When the complainant declined the offer, the employee abruptly ended the call.
- Repeated Issues: Similar complaints from Arka and other customers, including a viral incident involving a CRPF soldier, indicate systemic problems in HDFC Bank’s customer outreach practices.
- Lack of Resolution: Previous complaints remain unresolved despite providing proof, including call recordings.
Possible Legal Charges
Based on the incident, the following legal provisions can apply:
- Harassment under Section 507 of IPC: Threatening or annoying by repeated phone calls.
- Section 66A & 66C of IT Act (Cyber Offenses): Unsolicited electronic communication causing disturbance.
- Consumer Protection Act, 2019: Unfair trade practices by offering unwanted services, lack of proper communication, and disrespectful conduct.
- RBI Guidelines Violation: Non-compliance with telemarketing and customer service guidelines prescribed by the Reserve Bank of India.
Departments Where Complaint Can Be Filed
| Department / Authority | How Choice4Voice.com Can Help |
|---|---|
| Reserve Bank of India (RBI) | Guide and assist in filing a formal grievance through the RBI Banking Ombudsman portal. |
| Consumer Forum / District Consumer Court | Help draft a complaint citing unfair trade practices and harassment. |
| Cyber Crime Portal (Ministry of Home Affairs) | Assist in lodging complaints against unsolicited telemarketing and harassment. |
| Bank’s Grievance Redressal Cell | Provide templates and guidance to escalate issues formally within HDFC Bank. |
| Lokayukta / Banking Ombudsman | Help navigate local or regional authorities to seek resolution. |
How Choice4Voice.com Can Help
- Amplification of Issue: First, we feature the complaint on our website with complete details, including LinkedIn proof and call recordings.
- Follow-Up With Brand: We directly contact the brand to seek resolution.
- Legal Assistance: If the brand fails to resolve the issue, our legal team assists in filing cases on behalf of the complainant, including:
- Drafting FIRs
- Filing complaints with RBI Ombudsman
- Submitting grievances to the Cybercrime Portal
- Assisting with consumer forum submissions
- Step-by-Step Guidance: We provide templates, guidance, and expert support for each legal filing.
Frequently Asked Questions (FAQ)
- How can I file a complaint against HDFC Bank for harassment calls?
- You can file a complaint through the RBI Banking Ombudsman, Consumer Forum, or Cyber Crime Portal. Choice4Voice.com can assist with all steps.
- Is repeated unsolicited calls from a bank illegal in India?
- Yes, such calls can be considered harassment under IPC Section 507 and IT Act provisions.
- Can I claim compensation for poor service from HDFC Bank?
- Under the Consumer Protection Act 2019, you can claim compensation for harassment and unfair trade practices.
- What is the RBI Ombudsman, and how does it work?
- It is a banking grievance redressal authority. Choice4Voice.com can guide you in filing complaints through this portal.
- How to report a bank employee’s unprofessional behavior?
- You can escalate to the bank’s grievance cell, RBI, or consumer court. We provide templates and stepwise guidance.
- Does Choice4Voice.com handle legal filings?
- Yes, we assist in filing complaints with relevant authorities and provide legal support throughout the process.
- Can call recordings be used as evidence?
- Yes, call recordings are admissible as proof in consumer complaints and legal proceedings.
- How long does it take to resolve complaints against banks?
- Resolution time varies; consumer forum complaints may take months, while RBI Ombudsman can resolve in 30–60 days.
- Can foreign nationals complain about Indian banks?
- Yes, complaints can be filed if the service was availed in India.
- What if the bank ignores my complaint?
- Choice4Voice.com can escalate your issue legally to ensure the bank responds.
- Are unsolicited credit card offers considered unfair trade practices?
- Yes, offering services without consent falls under unfair trade practices per Consumer Protection Act.
- Can I file a complaint anonymously?
- Certain platforms allow partial anonymity; Choice4Voice.com helps maintain privacy while filing complaints.
- Which authority handles cyber harassment from banks?
- The Cyber Crime Cell handles unsolicited telemarketing and harassment complaints.
- Is RBI responsible for monitoring telemarketing by banks?
- Yes, RBI guidelines cover responsible telemarketing practices.
- How to escalate unresolved complaints with HDFC Bank?
- File through grievance redressal, RBI Ombudsman, or consumer forum with Choice4Voice.com’s assistance.
- Can I involve media in unresolved bank complaints?
- Publicizing issues is allowed; Choice4Voice.com helps amplify complaints online and on social media.
- Do I need proof for filing complaints?
- Yes, recordings, screenshots, and previous communication help strengthen your case.
- Can I claim moral damages for harassment?
- Yes, consumer courts can consider emotional distress caused by repeated harassment.
- Does Choice4Voice.com follow up with the bank after complaint filing?
- Yes, we ensure continuous follow-up until the issue is resolved.
- How is Choice4Voice.com different from other complaint portals?
- We provide full assistance from featuring your complaint publicly to filing legal cases if the brand fails to respond.
