Senior Manager Upendra Badhai of Union Bank of India has raised a complaint against HDFC Bank Budharaja-Sambalpur Branch for failing to update his FASTag KYC despite multiple submissions. Choice4Voice.com highlights the case, legal options, and how customers can escalate such issues.
HDFC Bank FASTag KYC Update Complaint – Upendra Badhai Seeks Resolution
Complaint Summary
| Details | Information |
|---|---|
| Complainant Name | Upendra Badhai |
| Not disclosed | |
| Not disclosed | |
| Complaint Type | KYC Non-Compliance / FASTag Account Freeze |
| Company/Brand | HDFC Bank |
| Branch | Budharaja-Sambalpur Branch |
| Product/Service | FASTag (Account Numbers: 1260821, 1262684, 1272292, 1279946) |
| Issue Description | Despite submitting KYC documents on 26.08.2025, the complainant’s FASTag KYC has not been updated. The account remains frozen despite repeated follow-ups via email. |
| Date of Incident | August–September 2025 |
| Company’s Response | No resolution provided till date. |
| Additional Comments | Complainant seeks urgent action from HDFC Bank to update KYC and unfreeze FASTag accounts. |
Full Complaint Details
Mr. Upendra Badhai, a Senior Manager at Union Bank of India and a verified professional, has filed a serious complaint against HDFC Bank Budharaja-Sambalpur Branch.
He submitted his KYC documents for multiple FASTag accounts (1260821, 1262684, 1272292, 1279946) on 26th August 2025. However, despite repeated follow-ups through emails, HDFC Bank has failed to update his KYC status.
As a result, his FASTag accounts remain frozen, creating unnecessary inconvenience. This has not only disrupted his access to seamless toll payments but also highlights serious negligence on the part of HDFC Bank in adhering to mandatory KYC compliance timelines.
Legal Rights of the Customer
According to the Reserve Bank of India (RBI) and National Highways Authority of India (NHAI) guidelines:
- FASTag accounts are considered prepaid instruments, and KYC compliance is mandatory.
- Once a customer submits valid KYC documents, the bank is legally bound to update them within a reasonable period.
- Failure to update KYC despite repeated submissions amounts to deficiency of service under the Consumer Protection Act, 2019.
- Customers are entitled to escalate the matter to:
- HDFC Bank’s Nodal Officer
- Banking Ombudsman under RBI
- Consumer Forum for compensation
If HDFC Bank fails to resolve this issue, Choice4Voice.com can assist in filing a legal case on behalf of the complainant and also guide customers on how to escalate independently.
How Choice4Voice.com Helps Customers
At Choice4Voice.com, we support customers by:
- Publishing verified complaints for public awareness.
- Providing legal guidance and escalation steps.
- Filing legal cases on behalf of complainants if companies fail to resolve issues.
- Ensuring that banks and service providers remain accountable to their customers.
By featuring this complaint publicly, we ensure that brands like HDFC Bank cannot ignore customer grievances.
Conclusion
The case of Mr. Upendra Badhai vs. HDFC Bank shows how even senior banking professionals face delays and negligence in basic services like KYC updation.
If not addressed quickly, such negligence not only affects customer convenience but also undermines the credibility of the banking system.
Choice4Voice.com urges HDFC Bank to immediately update the complainant’s KYC and unfreeze his FASTag accounts.
FAQs on FASTag KYC Complaints
Q1. Why is my FASTag account frozen?
FASTag accounts are frozen if KYC is not updated or if documents are incomplete.
Q2. How long does it take for KYC updation in FASTag?
Normally, banks update KYC within 7–10 working days of submission.
Q3. What if my bank delays KYC updation?
You can escalate to the bank’s Grievance Redressal Officer or Nodal Officer.
Q4. Can I still use FASTag if KYC is not updated?
No. As per NHAI guidelines, non-KYC FASTags are restricted and eventually frozen.
Q5. Can I switch my FASTag to another bank if KYC issues persist?
Yes. Customers can close the old FASTag and purchase a new one from another bank or issuer.
Q6. Is it legal for a bank to freeze my FASTag despite KYC submission?
No. If valid KYC documents are submitted, freezing the account without action is a violation.
Q7. Can I file a case in Consumer Court against a bank for KYC delay?
Yes. Delayed action amounts to deficiency of service under the Consumer Protection Act.
Q8. How can I escalate a FASTag issue to RBI?
Through the RBI Complaint Management System (CMS) portal online.
Q9. Can Choice4Voice.com help me legally?
Yes. We can file a legal case on behalf of complainants and also provide advisory on escalation.
Q10. What compensation can I claim in such cases?
Customers can demand refund of charges, compensation for harassment, and damages for inconvenience.
Q11. Do banks charge for KYC updation?
No. KYC updation is a free service.
Q12. What documents are required for FASTag KYC?
Valid ID proof (Aadhaar, PAN, Passport, Driving License) and address proof.
Q13. Can FASTag accounts be closed if KYC is not updated?
Yes. Non-KYC FASTags may be closed by issuers after RBI-mandated deadlines.
Q14. Can senior citizens demand faster processing of KYC?
Yes. RBI has directed banks to give priority service to senior citizens.
Q15. How does publishing on Choice4Voice.com help?
It brings the issue into the public domain, putting pressure on companies to resolve quickly.
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Published by Choice4Voice.com – Your Voice for Justice.
