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Submit your complaint →Sony Divya files a serious complaint against HDFC Bank and HDFC Life for unauthorized policy update and wrongful credit card transaction. Read full details and how Choice4Voice.com is helping raise the issue.
Complaint Summary : HDFC Bank & HDFC Life Complaint by Sony Divya – Unauthorized Policy Update & Credit Card Charge
| Complainant | Sony Divya (Technical Trainer / Assistant Professor) |
|---|---|
| Company Involved | HDFC Bank & HDFC Life |
| Nature of Complaint | Unauthorized policy update, unethical practices, wrongful credit card debit |
| Transaction Involved | ₹6814.50 debited from HDFC Credit Card ending with 7590 |
| Transaction Date | 17-07-2025 at 11:58:05 (Authorization Code: 052387) |
| Concerned Employee | Prabhu Srinu |
| Location | India |
| Date Reported | 16 August 2025 (via LinkedIn) |
| Status | Unresolved |
Complaint Details
Sony Divya, a Technical Trainer, Instructor, and Assistant Professor, raised a strong complaint against HDFC Bank and HDFC Life for highly unethical practices.
According to her, despite repeated attempts through emails, calls, and follow-ups for over a month, there has been no proper communication from HDFC Bank regarding her issue.
The major concerns raised are:
- An amount of ₹6814.50 was wrongly debited from her HDFC Credit Card (ending with 7590) on 17th July 2025 at 11:58:05, marked under “HL VAS GOP” with authorization code 052387.
- She discovered that her policy was updated without her prior consent, confirmation, or communication.
- The mistake was allegedly made by an employee, Prabhu Srinu, to meet his monthly sales targets.
Sony Divya emphasized that she depends on her salary, and every penny matters. She described the bank’s behavior as a clear violation of trust and demanded immediate investigation and strict action against the responsible employee, including termination if misconduct is proven.
About the Complainant
Name: Sony Divya
Profession: Technical Trainer, Instructor, and Assistant Professor
Complaint Focus: Unauthorized policy update and wrongful transaction by HDFC Bank & HDFC Life employee
About HDFC Bank & HDFC Life
HDFC Bank is one of India’s largest private sector banks, offering a wide range of financial services. HDFC Life is its associated life insurance provider, well-known for retail insurance policies.
However, this case highlights serious concerns about:
- Unethical sales practices by employees under target pressure
- Unauthorized policy modifications
- Customer dissatisfaction due to lack of communication
Such incidents can severely damage consumer trust and raise questions about internal monitoring at both HDFC Bank and HDFC Life.
How Choice4Voice.com Supports Consumers
At Choice4Voice.com, we take such complaints seriously and ensure they receive public visibility so that companies cannot ignore them.
If you are facing similar issues with HDFC Bank, HDFC Life, or any other brand, here’s how we help:
- Submit your complaint on Choice4Voice.com
- Our team reviews, verifies, and publishes your complaint on our website and LinkedIn
- The visibility ensures public pressure on companies, pushing them to act quickly
- We operate as a consumer advocacy platform, free of cost, for the benefit of customers
Frequently Asked Questions (FAQs)
Q1. What is Sony Divya’s complaint against HDFC Bank & HDFC Life?
She alleges unauthorized policy update and wrongful credit card debit by an employee.
Q2. How much money was debited without authorization?
₹6814.50 was deducted from her HDFC credit card ending with 7590.
Q3. When did the unauthorized transaction take place?
On 17th July 2025 at 11:58:05 with authorization code 052387.
Q4. Who is the employee named in this complaint?
An employee named Prabhu Srinu is alleged to be responsible.
Q5. Why does Sony Divya call this unethical?
Because the policy was updated without her knowledge, allegedly to help the employee meet sales targets.
Q6. What does she demand from HDFC Bank & HDFC Life?
An immediate investigation and strict action against the responsible employee.
Q7. How long has she been waiting for resolution?
She has been following up for over one month without proper communication.
Q8. Can banks update policies without consent?
No, all policy updates require the customer’s explicit consent.
Q9. How can a consumer escalate such issues?
By writing to the bank, escalating to the Banking Ombudsman, and posting complaints on Choice4Voice.com.
Q10. What steps can be taken if unauthorized transactions occur?
- Immediately block the card
- Raise a dispute with the bank
- Demand written acknowledgment of the complaint
Q11. Is unauthorized policy update considered fraud?
Yes, it can fall under fraudulent and unethical banking practices.
Q12. What is the customer care email of HDFC Bank?
You can write to support@hdfcbank.com for grievances.
Q13. What about HDFC Life customer support?
You can reach HDFC Life via service@hdfclife.com.
Q14. Can such complaints be taken to RBI?
Yes, unresolved banking complaints can be escalated to the RBI Ombudsman.
Q15. Why do such sales malpractices happen?
Due to employee pressure to meet monthly targets.
Q16. How does Choice4Voice.com help in such cases?
By publishing the complaint online and creating public accountability.
Q17. Does Choice4Voice.com charge any fees?
No, it is a non-profit consumer advocacy platform.
Q18. Can international complaints be raised too?
Yes, we also cover complaints against global companies.
Q19. What documents should consumers keep in such cases?
Transaction slips, email records, screenshots, and complaint IDs.
Q20. What is the best way to avoid such issues in future?
Always demand written confirmation before approving any policy or financial update.
