Vishwadeep Prajapati raises a critical complaint against HDFC Bank regarding PAN deactivation from the POS/Envoy portal. Delay in action has caused risk to sensitive personal data.
Complaint Summary Table : HDFC Bank Complaint by Vishwadeep Prajapati | Urgent PAN Deactivation from POS / Envoy Portal
| Details | Information |
|---|---|
| Complainant Name | Vishwadeep Prajapati |
| Author Profile | Experienced Banking & Financial Services Professional (4.5+ years in Teller Ops, CASA, KYC, Complaint Resolution) |
| LinkedIn Source | Original Complaint Post – Click Here |
| Brand Involved | HDFC Bank Limited & HDB Financial Services Ltd. |
| Issue Type | PAN Deactivation Request in POS / Envoy Portal |
| Sensitive Data Involved | PAN & Registered Mobile Number |
| Date of Incident | August 2025 |
| Complaint Source |
Detailed Complaint Write-Up
Vishwadeep Prajapati, an experienced banking professional with over 4.5 years in teller operations, CASA, KYC, and complaint resolution, has raised an urgent consumer complaint against HDFC Bank.
The issue concerns his PAN being linked and registered in the HDFC Bank POS (Point of Sale) system, as reflected in the IRDA/Envoy portal communication. According to regulatory guidelines, only the company (HDFC Bank) that uploaded the data has the authority to deactivate the PAN linked with the registered mobile number (96678XXXXX).
Despite multiple attempts to reach out to the concerned team, Vishwadeep has not received any satisfactory resolution. The matter is highly sensitive because PAN-related information is directly tied to financial transactions, compliance, and security. A delay in deactivation could expose the customer to risk of misuse, identity theft, or compliance violations.
Vishwadeep has requested urgent intervention from HDFC Bank’s POS / Merchant Support Team as well as higher authorities to deactivate his PAN immediately from the POS system and Envoy portal and provide written confirmation of the action taken.
About the Complainant: Vishwadeep Prajapati
- Professional Background: Over 4.5 years of experience in teller operations, CASA, KYC verification, and complaint resolution.
- Current Status: Open to immediate joining opportunities.
- Reason for Complaint: Security risks caused by delay in PAN deactivation from HDFC Bank’s POS system.
Original LinkedIn Complaint Post: Click Here to Read
About HDFC Bank and PAN-Linked Issues
HDFC Bank, one of India’s largest private sector banks, manages millions of customer records across POS and online systems. However, customers have repeatedly reported challenges such as:
- Difficulty in deactivating PAN details linked with POS systems
- Delays in responding to sensitive compliance-related issues
- Lack of clarity on grievance escalation for PAN-related matters
- Risk of data security lapses due to poor internal communication
This case reflects the urgent need for greater accountability, quicker response times, and better handling of PAN-related grievances at HDFC Bank.
Choice4Voice.com – Protecting Consumers Against Negligence
At Choice4Voice.com, we strongly believe that consumer complaints regarding sensitive financial and compliance matters should never be ignored. By publishing genuine complaints like that of Vishwadeep Prajapati, we ensure:
- Higher visibility of issues through professional reporting
- Pressure on companies like HDFC Bank to act faster
- Protection of consumer rights against data misuse
If you are facing a similar issue, you can submit your complaint at:
👉 https://choice4voice.com/submit-your-complaint/
Frequently Asked Questions (Q&A) on PAN & HDFC Bank Complaints
1. What should I do if my PAN is linked incorrectly with HDFC Bank’s POS system?
You should immediately raise a complaint with HDFC Bank’s merchant/POS support team and demand written confirmation of deactivation.
2. Who has the authority to deactivate PAN from the Envoy portal?
Only the financial institution (in this case, HDFC Bank) that uploaded the data has the authority to deactivate it.
3. How risky is it if my PAN remains active in a POS system?
It poses a significant risk of misuse, including fraudulent transactions, identity theft, and compliance violations.
4. What documents are required to request PAN deactivation?
You may need to provide a copy of your PAN card, registered mobile details, and a written complaint to HDFC Bank’s POS support.
5. How long should HDFC Bank take to resolve PAN-related complaints?
Ideally within 7 working days. Any delay beyond this period can be escalated.
6. Can I escalate PAN-related complaints to RBI?
Yes. If HDFC Bank fails to resolve the issue, you can escalate it to the RBI Banking Ombudsman.
7. What is the role of IRDA/Envoy portal in PAN data?
It acts as a compliance and verification system, ensuring that PAN data is securely linked and updated.
8. Can PAN misuse affect my CIBIL score or financial record?
Yes. Fraudulent transactions using an active PAN can impact your credit history and compliance record.
9. What if HDFC Bank does not respond to my complaint?
You should escalate the matter to the Nodal Officer, followed by the Principal Nodal Officer, and finally to the RBI Ombudsman.
10. Can I legally demand compensation from HDFC Bank for delay in PAN deactivation?
Yes. Under the Consumer Protection Act, you can claim compensation for negligence causing financial or security risk.
11. What precautions should I take while filing PAN-related complaints?
Always document your complaint in writing, retain acknowledgments, and keep copies of all correspondence.
12. Can my PAN remain permanently deactivated after removal?
Yes. Once deactivated by the issuing institution, it should not remain active in the POS or Envoy system.
13. Does Choice4Voice.com handle PAN-related complaints?
Yes. Choice4Voice.com publishes such cases to ensure urgency and visibility, pushing companies to act.
14. What is the best way to contact HDFC Bank for PAN-related issues?
Customers can reach out via the official POS/merchant support email IDs provided by HDFC Bank.
15. Can wrong PAN mapping affect future financial transactions?
Yes. It can cause delays in account opening, loan processing, and tax compliance.
16. How can I check if my PAN is linked to a POS system?
You can request this information from the bank or check with the Envoy/IRDA portal.
17. Is it safe to share PAN details in public complaints?
Only partially masked details should be shared publicly to protect against misuse.
18. What legal framework protects PAN data in India?
The Information Technology Act and Consumer Protection Act safeguard customer data from misuse.
19. How can delays in PAN deactivation affect customers?
It creates compliance risks, exposes sensitive data, and causes financial insecurity.
20. What role does Choice4Voice.com play in such cases?
We highlight consumer complaints in a professional format to ensure visibility and quick resolution by the concerned company.
