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Submit your complaint →A verified customer, Munendra Mishra, has accused HDFC Bank of closing his complaint without resolution after repeated requests to close his savings account linked to a gold loan. Despite multiple emails, the bank has not refunded the ATM charges deducted without authorization. Read the full verified complaint on Choice4Voice.com India’s trusted consumer advocacy platform that helps victims of unresolved banking issues take legal and regulatory action.
Complaint Summary
| Complainant Name | Munendra Mishra |
|---|---|
| Profession | BodyShop Manager at KIA |
| Company/Brand | HDFC Bank |
| Complaint Type | Account Closure Issue / Unresolved Complaint |
| Account Type | Savings Account linked with Gold Loan |
| Issue Description | Repeated requests for account closure ignored; complaint closed without solution; ATM charges deducted without refund. |
| Date of Incident | October 2025 |
| Company’s Response | No proper response received; complaint closed without resolution |
| Complainant’s Action | Emailed HDFC Bank multiple times, no reply received |
| Current Status | Awaiting action and refund from HDFC Bank |
| Platform | Complaint verified and published via Choice4Voice.com |
Full Complaint Details
Munendra Mishra, a verified professional currently serving as BodyShop Manager at KIA, raised a serious complaint against HDFC Bank for their negligence and lack of response in handling his savings account closure request.
According to Mr. Mishra, his savings bank account was linked to a gold loan, and despite repeated emails to HDFC Bank, he did not receive any update or confirmation regarding the account closure. To make matters worse, ATM charges were debited from his account without any explanation or subsequent refund.
Mr. Mishra further alleged that the complaint was closed by HDFC Bank without his permission and without resolving the issue. He has now warned that if the bank fails to act, he will approach higher authorities and regulatory bodies such as the Reserve Bank of India (RBI) to escalate the matter.
This incident highlights growing concerns among consumers regarding transparency, communication gaps, and premature closure of complaints by major Indian banks without proper resolution.
Legal Case Can Be Filed
Based on the complaint details, the following legal and regulatory cases may be applicable:
| Applicable Law / Regulation | Description | Where to File |
|---|---|---|
| Banking Ombudsman under RBI | For non-closure of bank account and unauthorized deductions. | File at https://cms.rbi.org.in |
| Consumer Protection Act, 2019 | For deficiency in service and mental harassment caused by unresolved complaint. | District Consumer Disputes Redressal Commission |
| RBI Circular on Account Closure | Violation of RBI’s account closure norms where customer consent and written acknowledgment are required. | Report to RBI or RBI Ombudsman |
| Information Technology Act, 2000 | If unauthorized online deductions or data misuse occurred. | Cybercrime Portal (https://cybercrime.gov.in) |
How Choice4Voice.com Can Help
At Choice4Voice.com, we specialize in helping customers like Munendra Mishra whose banking complaints have been ignored. Our process ensures:
- Complaint Verification: We validate each submission to ensure authenticity.
- Public Exposure: Verified complaints are published on our website and shared on LinkedIn to attract media and public attention.
- Regulatory Guidance: We guide users in filing complaints with RBI Ombudsman, Consumer Court, or Banking Grievance Cells.
- Drafting Legal Templates: We provide ready-to-use complaint drafts for FIR, RBI grievance, consumer forum petitions, and cybercrime reports.
- Brand Accountability: We tag the concerned financial institution and encourage them to take quick corrective action.
Choice4Voice.com acts as a neutral advocacy platform not against any company, but for fair resolution and accountability.
Step-by-Step Guide: How to File a Complaint Against HDFC Bank
- Gather All Proof: Collect emails, SMS alerts, and bank statements showing the unprocessed closure or unauthorized deductions.
- Contact HDFC Bank Grievance Officer: Email the bank’s nodal officer using the details available on HDFC’s official site.
- Wait 30 Days: If no response is received within 30 days, escalate to the RBI Banking Ombudsman.
- Submit to RBI Ombudsman: Visit https://cms.rbi.org.in and submit your case online.
- Consumer Court Option: If unsatisfied, file a case under the Consumer Protection Act, 2019 for deficiency in service.
- Share on Choice4Voice.com: Amplify your issue by submitting your case on our website for public awareness and brand accountability.
Author
Munendra Mishra is a verified professional and BodyShop Manager at KIA. He has raised his concern publicly against HDFC Bank for closing his complaint without resolution regarding his savings account and gold loan linkage. His intent is to seek justice and transparency from the bank through legitimate consumer channels.
Frequently Asked Questions
Q1. What should I do if HDFC Bank ignores my account closure request?
You can file a formal complaint with the RBI Ombudsman if HDFC Bank fails to close your account after repeated requests.
Q2. How do I get a refund for unauthorized ATM charges?
Raise a written complaint to HDFC Bank; if unresolved within 30 days, escalate it to the Banking Ombudsman.
Q3. Can a bank close a complaint without informing the customer?
No. As per RBI guidelines, banks must inform the customer and seek confirmation before marking a complaint as resolved.
Q4. How long does it take to close an HDFC Bank account?
Typically, 7–10 working days, provided there are no linked loans or pending dues.
Q5. Is it legal for a bank to deduct ATM charges without notice?
No, deductions without notice or service explanation can be challenged under the Consumer Protection Act.
Q6. What documents are required to close an HDFC Bank account?
You need to submit your passbook, ID proof, cheque leaves, and account closure form at your home branch.
Q7. How can I track my complaint status with HDFC Bank?
Use the complaint tracking portal on HDFC Bank’s official website with your reference number.
Q8. What is the RBI Ombudsman?
It is an official authority that resolves customer complaints against banks for free.
Q9. Can I complain about HDFC Bank to RBI online?
Yes, visit https://cms.rbi.org.in to file your complaint online.
Q10. Does Choice4Voice.com help in filing RBI complaints?
Yes, Choice4Voice.com provides full guidance and templates for RBI Ombudsman complaints.
Q11. What happens if HDFC Bank doesn’t respond within 30 days?
You can escalate the case to RBI and later to the Consumer Forum for compensation.
Q12. Can I get compensation for mental harassment caused by HDFC Bank?
Yes, under the Consumer Protection Act, you can claim compensation for harassment and delay.
Q13. Is there a fee to file a consumer case against a bank?
No, filing at the consumer commission is usually free or has a nominal fee depending on claim value.
Q14. What is the time limit for filing a consumer case?
You can file a complaint within two years of the incident date.
Q15. Can Choice4Voice.com publish my banking complaint?
Yes, if your complaint is verified, Choice4Voice.com can publish it to help increase visibility and pressure for resolution.
Q16. Is it safe to share banking issues publicly?
Yes, as long as sensitive information like account numbers and OTPs are not disclosed.
Q17. What are ATM charges, and when are they applied?
Banks charge small fees for using ATMs beyond free transaction limits, but must inform customers in advance.
Q18. Can a gold loan prevent account closure?
Yes, if a linked gold loan is active, the account can’t be closed until it’s settled.
Q19. How to report HDFC Bank misconduct to RBI?
Use the RBI Complaint Management System (CMS) or email your regional office.
Q20. How can Choice4Voice.com assist consumers like Munendra Mishra?
Choice4Voice.com guides victims through the legal process, drafts complaint templates, and ensures the issue gets attention through public visibility.
