Shahidul Islam has lodged a serious complaint against HDFC Bank for delaying the refund of illegal transactions in his account. Learn full details, risks, and possible consumer remedies.
Note: If this issue is resolved, the concerned brand or the complainant may contact us at support@choice4voice.com. After proper verification, we will either update this article as “Resolved” or delete it, ensuring fairness to both parties.
Complaint Summary : HDFC Bank Complaint – Shahidul Islam Raises Refund Delay Over Illegal Transactions
| Complainant | Shahidul Islam |
|---|---|
| Profile | Specialist in Refund Processing for US Airlines |
| Complaint Type | Illegal Transactions & Refund Delay |
| Bank Name | HDFC Bank |
| Account Number | 50100649594754 |
| Contact | 6005084872 |
| Issue Reported | Repeated delays in refund processing despite multiple complaints |
| Bank’s Response | Claims of “issue resolved” without actual refund |
| Impact | Financial stress, mental inconvenience, and lack of accountability |
| Action Requested | Immediate refund of illegal transactions and escalation of case |
Full Complaint Details
Shahidul Islam, a professional specialist in refund processing for US airlines, raised a strong complaint against HDFC Bank regarding delays in refunding illegal transactions made from his account.
He reports that despite raising this issue several times, the refund has still not been credited. Instead, he keeps receiving generic emails from the bank stating that the issue has been “resolved”.
Shahidul emphasizes that until the actual refund is credited, the issue cannot be considered resolved. The delay is not only unjustified but also highly stressful, as such matters deal directly with a customer’s financial security.
He has warned the bank that if no action is taken, he will escalate the matter to higher authorities and the Banking Ombudsman.
Why This Case is Concerning
- Customer Trust at Risk – A bank must provide transparent and time-bound solutions for fraud-related cases.
- Violation of RBI Guidelines – As per RBI’s directions, banks must refund fraudulent/unauthorized transactions within 7 working days of reporting.
- Mental and Financial Stress – Delays in refunding illegal transactions directly affect a customer’s peace of mind and financial planning.
- Poor Complaint Handling – Marking a case “resolved” without actual refund shows a failure in grievance redressal.
Legal and Regulatory Remedies
Customers facing such issues have the right to:
- Escalate to the Banking Ombudsman under the RBI Integrated Ombudsman Scheme, 2021.
- Lodge a complaint via RBI CMS Portal for unauthorized transaction refunds.
- File a case under the Consumer Protection Act, 2019 for deficiency in service.
- Approach the Cyber Crime Cell, as the transactions are classified as illegal.
- Report the issue to SEBI or relevant regulators if linked to investment accounts.
About HDFC Bank
- Founded: 1994
- Headquarters: Mumbai, India
- Category: India’s largest private sector bank by assets
- Key Services: Banking, insurance, investments, loans
- Concern Highlighted: Customer grievance redressal delays
How Choice4Voice.com Can Help
At Choice4Voice.com, we help customers raise their voice against poor service, fraud, or negligence.
✔ Publish complaints within 24 hours
✔ Increase visibility through LinkedIn and online coverage
✔ Provide guidance on escalation and consumer protection
👉 Submit your complaint here: https://choice4voice.com/submit-your-complaint/
Original LinkedIn Post
Read Shahidul Islam’s LinkedIn Post Here
Frequently Asked Questions (FAQs)
Q1. Who raised this complaint?
Shahidul Islam, a specialist in refund processing for US airlines.
Q2. Which bank is involved?
HDFC Bank.
Q3. What is the main issue?
Unnecessary delay in refunding illegal transactions from his account.
Q4. What is his account number?
50100649594754.
Q5. How has the bank responded so far?
By sending generic emails claiming the issue is resolved, without refunding.
Q6. What is the complainant demanding?
Immediate refund and accountability.
Q7. Does RBI have a rule for such refunds?
Yes. RBI mandates that fraudulent transaction refunds must be processed within 7 working days.
Q8. What if the bank still delays?
The customer can escalate to the Banking Ombudsman.
Q9. Can this be classified as deficiency in service?
Yes, under the Consumer Protection Act, 2019.
Q10. Is the customer legally protected?
Yes, RBI guidelines, consumer law, and cyber laws protect customers in such cases.
Q11. Can he file a cybercrime complaint?
Yes, since these were illegal/unauthorized transactions.
Q12. What higher authorities can he approach?
RBI Ombudsman, DoT Cyber Crime Cell, or even Consumer Court.
Q13. How common are such refund delays?
Unfortunately, such delays are not rare, but banks are legally bound to act quickly.
Q14. What documents should be submitted in escalation?
Transaction IDs, complaint reference numbers, email communication, and account details.
Q15. Can compensation be claimed?
Yes, if proven that the bank’s negligence caused financial or mental stress.
Q16. How does this affect banking trust?
It undermines customer confidence in digital and secure banking services.
Q17. Can he close his account if unresolved?
Yes, but the bank must still process the refund.
Q18. What role does HDFC ERGO have in this?
If linked to insurance/transaction disputes, ERGO may be accountable for resolution.
Q19. What timeline should be expected?
Refunds for illegal transactions should not take more than 7–10 working days.
Q20. How does Choice4Voice.com assist in such cases?
By publishing the case, tagging companies, and guiding escalation to ensure accountability.
