Varun B alleges that HDFC Bank has delayed his current account opening for over a month despite multiple visits. Choice4Voice.com highlights the complaint to seek accountability and resolution.
Complaint Summary : HDFC Bank Delay in Current Account Opening – Complaint by Varun B
| Details | Information |
|---|---|
| Complainant Name | Varun B |
| Company Involved | HDFC Bank |
| Issue Reported | Delay in opening current account for over a month |
| Date Reported | August 2025 |
| Customer Allegation | Bank staff prioritizing policy sales over account opening |
| Time Delay | More than 36+ days |
| LinkedIn Source | Original complaint post by Varun B |
| Resolution Demanded | Immediate account opening without unnecessary delays |
Full Complaint Write-up
A customer, Varun B, has raised a serious concern regarding HDFC Bank’s delay in opening a current account. According to his statement, the process has been dragging on for more than 36+ days, with no resolution despite several follow-ups.
Varun highlights that over five visits have already been made by bank representatives to his home under the pretext of “process formalities.” However, instead of focusing on completing the account opening, he alleges that bank executives were more interested in pushing insurance and policy sales.
The complainant expressed his frustration with this experience, stating that such inefficiency raises doubts about India’s ability to compete with global benchmarks. While he refrained from disclosing the specific branch details stressing that his intention is not to expedite his own case but to highlight a larger systemic issue he emphasized the unacceptable delay and lack of professionalism in handling customer requests.
This case has sparked conversations on whether leading banks are prioritizing cross-selling policies over delivering core banking services.
Choice4Voice.com’s Role
At Choice4Voice.com, we actively work to highlight genuine consumer grievances that often get ignored. Customers facing unresolved issues with banks, e-commerce platforms, or service providers can submit their complaints directly via our complaint submission page.
Once verified, we publish these cases on our website and amplify them on platforms like LinkedIn, ensuring companies are pressured to provide quick resolutions.
In this case, Choice4Voice.com is bringing visibility to Varun B’s experience so that HDFC Bank addresses the concern promptly and avoids similar cases for other customers in the future.
If you are facing a similar situation with your bank or service provider, you can:
- Submit your detailed complaint here: Submit Your Complaint – Choice4Voice.com
- Tag our official page on LinkedIn, and we will help amplify your voice through professional write-ups and advocacy.
Frequently Asked Questions (FAQs)
Q1: How long should it normally take to open a current account with HDFC Bank?
A: Typically, a current account should be opened within 7–10 working days, provided all documents are submitted correctly.
Q2: What is the complaint raised by Varun B against HDFC Bank?
A: The complaint is about an unreasonable delay of more than 36+ days in opening a current account, with allegations that staff were focused on selling policies instead of completing the process.
Q3: Can banks legally force customers to buy insurance policies while opening an account?
A: No, cross-selling policies is not mandatory for opening a bank account. Customers have the right to refuse.
Q4: What can customers do if banks delay account opening unnecessarily?
A: Customers can file a complaint with:
- The bank’s grievance redressal officer
- RBI Banking Ombudsman if not resolved within 30 days
- Consumer forums for compensation if financial loss occurs
Q5: Why is this case important for the banking sector?
A: It highlights concerns about mismanagement, unethical sales practices, and customer inconvenience, raising questions about service standards in India’s leading banks.
Q6: How does Choice4Voice.com support customers facing similar problems?
A: By publishing detailed articles on genuine complaints, tagging responsible companies on LinkedIn, and ensuring customer voices reach a wider audience for faster resolution.
Q7: How can customers submit a complaint on Choice4Voice.com?
A: Simply visit the Submit Your Complaint Page, provide the details, and the case will be verified and published.
Q8: What is the RBI Banking Ombudsman Scheme?
A: It is a grievance redressal system where customers can file complaints against banks for deficiencies in service, including delays in account opening.
Q9: Is there a cost to submit a complaint on Choice4Voice.com?
A: No, Choice4Voice.com is a free consumer advocacy platform.
Q10: Can I submit anonymous complaints?
A: Yes, customers can request anonymity, though providing complete details helps in effective follow-up.
Q11: Does Choice4Voice.com guarantee resolutions?
A: While resolutions depend on the company’s response, Choice4Voice.com ensures maximum visibility and public accountability.
Q12: What if my bank refuses to respond to my complaint?
A: You can escalate to the RBI Ombudsman or consumer court while Choice4Voice.com continues to amplify your case publicly.
Q13: Are AMB charges or policy sales linked to current accounts?
A: No, current accounts do not require AMB (Average Monthly Balance) like savings accounts. Policy sales should never be a precondition.
Q14: How can delays impact businesses using current accounts?
A: Businesses may face cash flow disruptions, delayed transactions, and credibility issues with clients or vendors.
Q15: Is HDFC Bank facing multiple such complaints?
A: Yes, Choice4Voice.com has highlighted several consumer complaints involving service delays, unexpected charges, and poor customer handling.
Q16: How can LinkedIn tagging help in consumer complaints?
A: By tagging Choice4Voice.com and the company involved, the issue gains professional visibility, forcing companies to respond faster.
Q17: Can I file multiple complaints on Choice4Voice.com?
A: Yes, there is no restriction on the number of complaints a consumer can submit.
Q18: What documents are required to submit a bank-related complaint?
A: Transaction proofs, account details (last 4 digits), screenshots, or any communication with the bank help strengthen your case.
Q19: How does highlighting complaints benefit other consumers?
A: It spreads awareness, prevents others from facing similar issues, and increases collective pressure on companies.
Q20: What steps should banks take to restore customer trust?
A: Ensure faster processing, transparency, and strict action against mis-selling practices, along with timely grievance redressal.
