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Submit your complaint →Raj Kumar, QA Specialist at Accenture, has raised a serious complaint against HDFC Bank’s Nizamabad Branch for negligence, bias, and CIBIL misreporting. His issue, pending since 2021, involves alleged personal targeting by branch staff. Learn the full case, legal actions available, and how Choice4Voice.com helps victims of banking misconduct.
Complaint Summary : Serious Allegations Against HDFC Bank: Raj Kumar Accuses Nizamabad Branch of Negligence and Misreporting
| Particulars | Details |
|---|---|
| Complainant Name | Raj Kumar |
| Profession | QA Specialist at Accenture |
| Concerned Bank | HDFC Bank Limited |
| Branch | Nizamabad Branch |
| Issue Highlighted | Negligence, personal bias, and wrongful CIBIL misreporting |
| First Complaint Raised | December 2021 |
| Current Status | Still unresolved (as of November 2025) |
| Key Individuals Mentioned | Srinivasan Vaidyanathan, Sanmoy Chakrabarti, Keki Mistry, Vibha Padalkar, Ramesh Lakshminarayanan, Anjani Rathor, Rangan V. Srinivasa |
| Case Reference Number | 84717047 |
| Mode of Communication | Twitter and email escalation |
| Original Source | LinkedIn post by Raj Kumar |
Full Complaint Write-Up
Raj Kumar, a QA Specialist at Accenture, publicly raised a serious escalation against HDFC Bank Limited through a detailed LinkedIn post. The complaint highlights multiple lapses by HDFC Bank’s Nizamabad Branch, specifically the Personal/Collection Manager and internal grievance teams.
Raj claims that since December 2021, his original complaint has been ignored for nearly four years, despite repeated follow-ups and written assurances from HDFC’s customer care handles.
1. Unresolved Issue Since 2021
Raj initially raised his grievance through HDFC Bank’s official Twitter handle, @HDFCBank_Cares, on December 17, 2021.
He was assured a callback and resolution by December 21, 2021. However, despite these promises, no contact or resolution was ever made.
Over time, Raj discovered that the Nizamabad Branch Personal Manager had allegedly interfered and blocked communication, acting with personal bias a direct violation of RBI’s Fair Practices Code and HDFC’s internal ethics policy.
2. Wrongful “Suit Filed” and CIBIL Misreporting
In 2025, Raj was shocked to learn that his account carried a “Suit Filed” status and a reference to a “Section 25 case.”
When he requested clarification on which Act or legal framework this referred to, he was told by HDFC representatives that the case details would be shared by November 11, 2025.
Raj believes his account was intentionally misreported to CIBIL, leading to a damaged credit profile, and described the act as a breach of RBI guidelines and ethical misconduct.
He has demanded a written clarification from HDFC’s Legal & Compliance team within 48 hours.
Legal Case Can Be Filed
If the allegations made by Raj Kumar are valid, multiple legal and regulatory actions can be initiated. Below are all possible legal cases along with how Choice4Voice.com can assist:
- Consumer Protection Act, 2019
- Applicable for deficiency of service, harassment, and financial damage.
- Choice4Voice.com can help file your case with the District Consumer Disputes Redressal Commission, preparing complaint documents and representation drafts.
- Banking Ombudsman (RBI CMS Portal)
- For unfair treatment, bias, or lack of grievance redressal.
- Choice4Voice.com guides users through RBI’s CMS portal, drafting escalation letters and evidence summaries.
- Information Technology Act, 2000 (Section 43 & 66)
- If any data misuse, wrongful digital communication, or unauthorized marking occurs.
- Choice4Voice.com assists in preparing online complaints via the Cybercrime Portal (cybercrime.gov.in).
- Defamation (Section 499 & 500 of IPC)
- Applicable if wrongful CIBIL marking caused public or professional harm.
- Choice4Voice.com helps document the timeline and communicate through legal notice drafts.
- RBI Fair Practices Code Violation
- Applicable when internal staff act with personal bias or misrepresent customer information.
- Choice4Voice.com helps customers file structured evidence reports and reach RBI’s grievance team.
- Data Protection and Privacy Violation
- If internal records or personal loan details were misused.
- Choice4Voice.com provides guidance for registering complaints with the Data Protection Board of India.
- Criminal Breach of Trust (Section 406 IPC)
- For willful misconduct and manipulation of customer records.
- Choice4Voice.com connects victims with consumer lawyers experienced in banking frauds.
How Choice4Voice.com Can Help
Choice4Voice.com is India’s growing consumer advocacy and public complaint platform.
It allows victims of corporate negligence, banking errors, and service failures to submit verified complaints that are:
- Published publicly on Choice4Voice.com and on LinkedIn for visibility.
- Escalated to higher company authorities to increase accountability.
- Legally reviewed to help victims identify applicable laws and complaint forums.
- Backed by documentation templates, legal guides, and pre-drafted FIR and complaint formats.
Our mission is to empower consumers to raise their voices confidently and ensure their cases are not buried in corporate silence.
Once a complaint is verified, it is highlighted across social media and official platforms to prompt action from the company.
Step-by-Step Complaint Filing Guide
1. Contact HDFC Bank
- Email: support@hdfcbank.com
- Subject: Formal Escalation Regarding Nizamabad Branch Misconduct and CIBIL Misreporting
- Body: Dear Sir/Ma’am,
I am raising a formal escalation regarding misconduct and wrongful CIBIL reporting from your Nizamabad Branch team. Please initiate an investigation and share a written update within 48 hours.
Regards,
[Your Full Name]
[Registered Email ID]
2. Escalate to HDFC Grievance Redressal Officer
3. File a Case at RBI Ombudsman
- Portal: https://cms.rbi.org.in
4. Report CIBIL Discrepancy
5. File a Consumer Case
- Portal: https://edaakhil.nic.in
Brand Background: HDFC Bank
HDFC Bank Limited is one of India’s largest private-sector banks with over 80,000 employees and millions of active customers. However, the bank has faced multiple consumer complaints over grievance handling delays, CIBIL misreporting, and collection team misconduct, especially from smaller city branches.
The current case from Nizamabad raises critical questions about branch accountability and transparency.
Author
Raj Kumar is a QA Specialist at Accenture, with years of professional experience in quality assurance, data analytics, and system testing. He has maintained a spotless financial record and believes in ethical corporate behavior. His public complaint reflects growing frustration among Indian banking customers who face long-standing issues without redressal.
Q&A About HDFC Bank Complaints
Q1. What is Raj Kumar’s main complaint against HDFC Bank?
He alleged negligence, personal bias, and wrongful CIBIL misreporting by HDFC’s Nizamabad Branch.
Q2. When did the issue start?
In December 2021.
Q3. Has HDFC resolved the issue yet?
No, as of November 2025, the issue remains unresolved.
Q4. What case reference did HDFC provide?
Reference No. 84717047.
Q5. What is the “Sec 25 case” mentioned?
It is unclear; Raj Kumar sought clarification on which legal Act it pertains to.
Q6. How was the initial complaint raised?
Via Twitter through the handle @HDFCBank_Cares.
Q7. What code did Raj claim was violated?
RBI’s Fair Practices Code.
Q8. How does CIBIL misreporting affect a person?
It can reduce credit scores, harm reputation, and affect future loan eligibility.
Q9. Can customers challenge wrongful CIBIL reports?
Yes, through CIBIL’s dispute portal or RBI Ombudsman.
Q10. What is the role of Choice4Voice.com here?
To help document and publish verified consumer complaints for visibility and support legal actions.
Q11. Can a consumer sue a bank for bias or misconduct?
Yes, under the Consumer Protection Act and RBI Ombudsman framework.
Q12. What documents are needed to file a case?
Email communications, screenshots, and grievance reference numbers.
Q13. What happens if the bank ignores RBI Ombudsman notices?
The Ombudsman can issue directives and impose penalties.
Q14. How long does it take for RBI Ombudsman to resolve a case?
Typically 30–90 days, depending on complexity.
Q15. Can banks be penalized for violating Fair Practices Code?
Yes, RBI can impose monetary and disciplinary actions.
Q16. Can Choice4Voice.com help with legal drafting?
Yes, Choice4Voice.com provides pre-drafted legal templates and step-by-step guides.
Q17. What is the consumer forum’s compensation limit?
Up to ₹50 lakh at the district level.
Q18. Can HDFC mark “Suit Filed” without customer notice?
No, written communication is mandatory before such reporting.
Q19. How can customers follow up on such cases?
Through RBI CMS portal and by tracking complaint reference numbers.
Q20. Why is Raj Kumar’s case important?
It exposes systemic flaws in grievance redressal and calls for stronger consumer accountability in India’s banking sector.
Conclusion
Raj Kumar’s case against HDFC Bank’s Nizamabad Branch shows the deep-rooted challenges in India’s banking grievance redressal systems.
Consumers deserve transparency, empathy, and accountability, especially from leading financial institutions.
At Choice4Voice.com, we continue to stand with every Indian consumer who faces corporate indifference helping them voice their complaints, pursue justice, and ensure their cases are heard across the country.
