Bhavesh Tiwari shares his frustrating experience with HDFC Bank, where his credit card was blocked but harassment calls for payments continued. Read the full complaint, details of HDFC Bank’s alleged negligence, and know how Choice4Voice.com is helping consumers fight back.
Complaint Summary – HDFC Bank vs Bhavesh Tiwari
| Detail | Information |
|---|---|
| Complainant Name | Bhavesh Tiwari |
| Bank Involved | HDFC Bank |
| Issue Reported | Credit Card blocked for over a month, no replacement card issued |
| Customer Grievance | Daily harassment calls from collections team demanding payment |
| Attempts Made | Multiple follow-ups, calls to customer care, but no resolution |
| Key Concern | Lack of accountability, no written update, harassment continues |
| Location | India |
| LinkedIn Post Source | Original Complaint on LinkedIn |
Bhavesh Tiwari’s Allegations Against HDFC Bank
Bhavesh Tiwari, a professional recruiter and operations team lead, shared his frustrating banking experience with HDFC Bank on LinkedIn. According to his statement:
- His credit card was blocked more than a month ago, but despite repeated attempts, no replacement card was issued.
- Shockingly, collections teams kept calling daily to demand payments, even though the card was inactive.
- When Bhavesh requested a written update before making any payment, the executives reportedly replied, “That’s not our department, penalties will keep increasing.”
- Customer care services added to the frustration with calls not connecting, endless hold times, and no accountability.
Bhavesh rightly questioned how a leading private bank can be so efficient in harassment calls yet fail miserably in solving the actual credit card issue.
About HDFC Bank – Reputation vs Reality
HDFC Bank is widely known as India’s largest private sector bank, with millions of customers relying on its credit cards, loans, and digital services. The bank often markets itself as a leader in customer service, innovation, and trust.
However, increasing consumer complaints online tell a different story. Issues such as:
- Credit card mismanagement
- Hidden charges & unfair penalties
- Poor grievance redressal
- Aggressive debt recovery tactics
…are being reported frequently on platforms like LinkedIn, Twitter, and consumer forums.
Bhavesh Tiwari’s case once again raises serious doubts about HDFC Bank’s commitment to customer satisfaction.
How Choice4Voice.com Helps Customers Like Bhavesh Tiwari
Choice4Voice.com is a consumer advocacy platform dedicated to highlighting real customer grievances that are ignored by companies. When complaints like Bhavesh’s are brought to light:
- They are documented and published for public awareness.
- Companies are pressured to respond due to the visibility.
- Customers gain a stronger voice against corporate negligence.
By standing with victims of poor service, Choice4Voice.com ensures accountability in the corporate world.
Submit Your Complaint Against Any Company
If you are also facing harassment, unresolved complaints, or poor customer service from any brand, you can submit your case to Choice4Voice.com.
📌 Submit Your Complaint Here: Choice4Voice Complaint Form
Frequently Asked Questions (FAQs) – HDFC Bank Complaints
Q1: Why do customers face frequent harassment from HDFC Bank’s collections team?
A: Customers often complain that HDFC Bank’s collections department aggressively pursues payments, even when disputes or unresolved issues exist.
Q2: What should I do if my HDFC credit card is blocked without notice?
A: Immediately raise a complaint through HDFC customer care, escalate to grievance.redressal@hdfcbank.com, and document all responses.
Q3: Can HDFC Bank demand payments on a blocked credit card?
A: If services are not restored or clarified, demanding payments without resolution may amount to unfair banking practice.
Q4: How can I escalate my complaint if HDFC Bank ignores me?
A: After initial escalation, customers can approach the Banking Ombudsman (RBI) for further resolution.
Q5: Why are so many HDFC Bank credit card complaints visible online?
A: Credit card services, hidden charges, and harassment calls are among the most common issues reported against HDFC Bank.
Q6: Is HDFC Bank’s customer service reliable?
A: Many customers report long wait times, unhelpful responses, and unresolved complaints, making reliability questionable.
Q7: What penalties can HDFC Bank charge if I delay payment?
A: Late payment fees, interest charges, and penalty amounts vary, but customers often allege they are unreasonably high.
Q8: Can I close my HDFC Bank credit card to avoid harassment?
A: Yes, but ensure you clear dues, request closure in writing, and take acknowledgment from the bank.
Q9: How do I contact HDFC Bank’s grievance redressal team?
A: Customers can escalate to the official grievance redressal email ID or visit the nodal officer page on HDFC Bank’s official website.
Q10: Is HDFC Bank the only private bank with such complaints?
A: No, several major banks face similar issues, but HDFC consistently sees a high number of complaints online.
Q11: Why does HDFC Bank block credit cards suddenly?
A: Reasons may include risk checks, non-payment, or security concerns – but many customers allege the bank fails to communicate properly.
Q12: Can RBI take action against HDFC Bank for harassment calls?
A: Yes, if a consumer escalates with proper proof, RBI and Banking Ombudsman can intervene.
Q13: What evidence should I keep while complaining against HDFC Bank?
A: Save emails, SMS, call recordings, and payment receipts for stronger escalation.
Q14: How can Choice4Voice.com help in such banking complaints?
A: By giving visibility to ignored cases, ensuring corporate accountability, and putting pressure on companies.
Q15: Are HDFC Bank’s late fees legal?
A: Fees are regulated but often criticized as excessive and customer-unfriendly.
Q16: Can I sue HDFC Bank for harassment?
A: Yes, if harassment continues despite escalations, legal action can be taken under consumer protection laws.
Q17: Is HDFC Bank safe for credit cards?
A: While many customers use HDFC cards, growing complaints highlight serious service issues.
Q18: How do I avoid credit card harassment calls?
A: Request written communication, record calls, and escalate if harassment persists.
Q19: Why is HDFC Bank facing increasing backlash on LinkedIn?
A: LinkedIn has become a platform for professionals to expose poor services, and HDFC complaints are frequently highlighted.
Q20: What should I do if HDFC Bank continues to ignore my complaint?
A: Escalate to Banking Ombudsman, file a case in consumer court, or highlight your case via Choice4Voice.com.
👉 This article gives visibility to Bhavesh Tiwari’s shocking experience with HDFC Bank and serves as a warning for consumers to stay cautious.
