Daieem Khan Jahagirdar, Supply Chain & Warehouse Management Professional, reveals how HDFC Bank has blocked his salary account for 3+ months despite him returning a mistaken transfer and submitting a Police NOC. He shared his ordeal on LinkedIn after repeated failures from HDFC support. Read full complaint, details, and why such cases highlight consumer struggles. Published via Choice4Voice.com – platform for raising complaints against brands.
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Complaint Summary : HDFC Bank Blocks Customer Salary Account Despite Police NOC – Complaint by Daieem Khan Jahagirdar
| Detail | Information |
|---|---|
| Complainant Name | Daieem Khan Jahagirdar |
| Profession | Supply Chain Management & Warehouse Management Professional |
| Company Involved | HDFC Bank |
| Issue | Salary account blocked (MHA blocked) for over 3 months |
| Reason | Money mistakenly transferred → returned next day → Police NOC submitted |
| Customer Action | Submitted Police NOC, KYC at Hubli branch, visited Bangalore branch |
| Problem Faced | HDFC refusing to update address due to block, account remains locked |
| Impact | No access to salary account for 3+ months |
| Original Post Source | LinkedIn Post by Daieem Khan Jahagirdar |
The Complaint in Detail
Daieem Khan Jahagirdar, a verified professional in Supply Chain Management, Warehouse Management, and System Administration, has publicly raised a serious consumer grievance against HDFC Bank.
According to Daieem, the issue started when:
- A person mistakenly transferred money into his HDFC salary account.
- He acted responsibly and returned the money the very next day.
- A Police NOC was issued in his favor, confirming no wrongdoing.
Despite doing everything right, HDFC Bank blocked his salary account under MHA guidelines and has not unblocked it for over 3 months.
The Loop of Negligence
Daieem described being trapped in a frustrating cycle:
- Submitted Police NOC at the Bangalore branch.
- Submitted KYC documents at the Hubli branch.
- Bank response:
- “We can’t update your address because the account is blocked.”
- “CPU check fails since the address is outdated.”
- “Since CPU check fails, we can’t unblock your account.”
This deadlock has left him unable to access his own salary account for over 3 months, despite having no fault in the situation.
Company Involved – HDFC Bank
HDFC Bank, one of India’s largest private sector banks, has been facing increasing consumer complaints about poor customer support, branch delays, and failure to resolve grievances.
In this case, the bank’s inability to resolve a straightforward Police-cleared case has led to:
- Salary withheld for 3 months
- SIPs and subscriptions failing
- Daily financial transactions blocked
- Immense stress for the customer
Such negligence raises serious concerns about how India’s largest private bank handles genuine customer issues.
About the Author
Daieem Khan Jahagirdar is a professional specializing in Supply Chain Management, Warehouse Management, and System Administration.
With experience at leading organizations, Daieem values transparency, responsibility, and accountability qualities he himself demonstrated by immediately returning mistakenly transferred money and securing a Police NOC.
Yet, despite doing everything lawfully, he has been left helpless due to HDFC Bank’s flawed support system.
Choice4Voice.com – Amplifying Consumer Complaints
This complaint is published via Choice4Voice.com, a consumer advocacy platform where genuine grievances are raised against companies that ignore customers.
If you are facing a similar issue with HDFC Bank or any other brand, you can submit your complaint on Choice4Voice.com
We ensure your voice is heard by publishing it on our website and LinkedIn, creating visibility and pressure for resolution.
👉 Don’t suffer in silence. Raise your complaint today at Choice4Voice.com
Frequently Asked Questions (FAQ)
Q1. Why did HDFC Bank block Daieem Khan Jahagirdar’s account?
A: The account was blocked after a mistaken transfer case, even though he returned the money and obtained a Police NOC.
Q2. How long has his account been blocked?
A: Over 3 months.
Q3. What documents did the customer submit to HDFC Bank?
A: Police NOC, KYC documents at Hubli branch, application at Bangalore branch.
Q4. Why is HDFC refusing to unblock the account?
A: HDFC claims they cannot update his address because the account is blocked, creating a deadlock situation.
Q5. What financial impact has this caused?
A: Salary withheld for 3 months, SIPs stopped, UPI and net banking disabled, auto payments blocked.
Q6. What action is the customer requesting from HDFC?
A: Urgent intervention from HDFC Bank leadership in Karnataka to unblock the account.
Q7. Has HDFC given any timeline for resolution?
A: No clear timeline has been provided despite repeated follow-ups.
Q8. Can a Police NOC help unblock a bank account?
A: Yes, usually a Police NOC clears the customer, but in this case, HDFC still hasn’t resolved the matter.
Q9. Is this issue common with HDFC Bank?
A: Several customers have reported similar negligence and delays with HDFC support.
Q10. Can Choice4Voice.com help in such cases?
A: Yes, Choice4Voice.com publishes genuine complaints online to build public visibility and push companies toward resolution.
Q11. Does RBI allow banks to block accounts indefinitely?
A: No, RBI mandates timely resolution, but in practice, banks sometimes delay beyond acceptable limits.
Q12. What should a customer do if their account is blocked?
A: Approach the branch, submit required documents, and if unresolved, raise a complaint with RBI Ombudsman.
Q13. How can blocked accounts affect CIBIL score?
A: If EMIs, SIPs, or payments fail due to blocked accounts, it may indirectly impact credit history.
Q14. Can a salary account be blocked legally?
A: Yes, under MHA/FIU directives, but only until verification is complete.
Q15. Did Daieem do anything wrong in this case?
A: No, he followed all rules and even returned the money voluntarily.
Q16. What lessons can other customers learn from this case?
A: Always document interactions, keep proof of Police NOC, and escalate if the bank delays.
Q17. How does such negligence harm bank reputation?
A: It reduces customer trust and damages the bank’s credibility.
Q18. Can Daieem escalate this issue legally?
A: Yes, he can approach the RBI Ombudsman or consumer court if HDFC fails to act.
Q19. Which HDFC branches were involved?
A: Bangalore branch and Hubli branch.
Q20. How can others submit complaints like this?
A: Through Choice4Voice.com, where genuine cases are published to ensure visibility.
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