HDFC Bank Harassment Complaint – Non-Customer Gaurav J Reports Unwanted Calls

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Gaurav J has reported that HDFC Bank is making 20+ telemarketing calls daily despite him not being a customer. Choice4Voice.com highlights the issue and provides legal remedies to stop such harassment.

LinkedIn Post URL

Complaint Summary : HDFC Bank Harassment Complaint: Unwanted Telemarketing Calls to a Non-Customer – Case of Gaurav J

Details	Information
Complainant Name	Gaurav J
Email	Not disclosed
Company/Brand	HDFC Bank
Complaint Type	Harassment via Unwanted Calls
Product/Service	Not applicable (Complainant is not a customer)
Issue Description	HDFC Bank telemarketing team making 20+ daily calls pressuring the complainant to open an account or take loans, despite him never being a customer. Calls made from multiple numbers to bypass blocking.
Date of Incident	Ongoing
Company’s Response	No response yet
Complainant’s LinkedIn Post	View Original Post

Full Complaint Write-Up

Consumer Gaurav J has raised a serious issue against HDFC Bank on LinkedIn regarding continuous harassment calls from the bank’s telemarketing team.

According to the complaint:

He is not a customer of HDFC Bank and has no active account, loan, or credit card with them.
Despite this, HDFC Bank executives call him 20+ times daily, urging him to open an account or take a loan.
The calls come from different numbers every time, making it impossible to block them permanently.
When asked to stop, the bank executives allegedly ignore the request.

Gaurav compared the relentless calls to vendors pestering outside monuments or in trains, pointing out the unprofessional behavior of such a large financial institution.

He also highlighted the lack of accountability, questioning why TRAI (Telecom Regulatory Authority of India) rules against spam calls are not being followed.

How Choice4Voice.com Can Help

Choice4Voice.com is committed to helping consumers like Gaurav J who are harassed by companies without consent. In such cases, we assist by:

Publishing complaints publicly to create pressure on banks.
Guiding consumers on filing official complaints with TRAI and the banking ombudsman.
Providing pre-drafted templates to stop unwanted telemarketing calls.

Applicable Legal Cases

Violation of TRAI DND Rules – Calls made to individuals who are not customers and have not consented are a clear breach.
Unfair Trade Practices – Forcing products/services via harassment.
Right to Privacy Violation – Repeated unwanted calls amount to invasion of privacy.
Harassment Complaint under IPC Section 506/509 – If the calls continue despite instructions to stop.

Authorities Where Complaint Can Be Filed

TRAI (Telecom Regulatory Authority of India) – For violation of Do Not Disturb (DND) regulations.
Banking Ombudsman (RBI) – Against harassment by HDFC Bank.
Consumer Forum – For mental harassment and unsolicited calls.
Cybercrime Portal (MHA) – If calls are persistent and threatening.

Step-by-Step Complaint Filing Guide

1. TRAI (DND Complaint)

Dial 1909 (toll-free) and register a complaint via call or SMS.
Format: “COMP TEL NO XXXXXXXXXX, dd/mm/yyyy, hh:mm”.
You can also complain via your telecom operator’s app/website.

2. RBI Ombudsman Complaint Against HDFC Bank

Visit: https://cms.rbi.org.in
Select Banking Ombudsman → HDFC Bank → Category: Unwanted Telemarketing Calls.
Submit complaint with call records/screenshots.

3. Consumer Forum Complaint

File via https://edaakhil.nic.in.
Attach screenshots of call logs as proof.

4. Cybercrime Complaint

Go to https://cybercrime.gov.in.
File under “Harassment through communication”.

Pre-Drafted Templates

(A) Complaint Email to RBI Ombudsman

Subject: Complaint Against HDFC Bank for Harassment Calls

Dear Sir/Madam,

I am not a customer of HDFC Bank, yet I am receiving more than 20 calls daily from various numbers pressuring me to open an account or take a loan. Despite requesting the callers to stop, the harassment continues.

This is a violation of TRAI regulations and causes severe mental distress. I request strict action against HDFC Bank and immediate stoppage of these unsolicited calls.

Attached: Call logs & screenshots.

Sincerely,
[Your Name]

(B) TRAI SMS Complaint Format

COMP TEL NO XXXXXXX, dd/mm/yyyy, hh:mm

Example:

COMP 9876543210, 01/10/2025, 11:30

Brand Background – HDFC Bank

Founded: 1994
Headquarters: Mumbai, Maharashtra
Services: Banking, loans, credit cards, investments
Known Issues: Multiple consumer complaints in recent years regarding hidden charges, unwanted calls, and customer service gaps.

Q&A

1. How do I stop unwanted HDFC Bank calls?

You can register a DND complaint with TRAI (dial 1909), email HDFC Bank, and escalate to the RBI Ombudsman if calls persist.

2. Can HDFC call non-customers?

No, cold-calling non-customers without consent is a violation of TRAI’s telemarketing rules.

3. What is the TRAI DND helpline number?

The TRAI DND helpline number is 1909 (toll-free).

4. Can I file a harassment case against HDFC Bank?

Yes. If calls continue after complaints, you can file a harassment FIR under IPC Section 506/509.

5. What is the penalty for unwanted telemarketing calls in India?

TRAI can fine companies up to ₹50,000 per violation, and repeat offenders may face disconnection of telemarketing lines.

6. Does DND stop bank calls in India?

Yes, DND registration is legally binding, and banks must stop calling once a number is on the DND list.

7. How to block HDFC Bank spam calls permanently?

8. What documents are needed for filing a complaint with the RBI Ombudsman?

Call logs, screenshots of numbers, and a written explanation of the harassment.

9. How do I complain against HDFC Bank to RBI?

File online at cms.rbi.org.in.

10. Can I sue HDFC Bank for privacy violation?

Yes, you can approach the consumer forum or civil court citing violation of privacy rights.

11. How many spam calls are allowed legally per day in India?

None. Telemarketing calls without consent are strictly prohibited.

12. What is the role of TRAI in spam calls?

TRAI regulates telecom operators and telemarketers, ensuring compliance with DND rules.

13. Can spam calls be considered harassment in India?

Yes, repeated unwanted calls are legally considered harassment.

14. Which law protects consumers from telemarketing harassment?

TRAI Regulations and Consumer Protection Act, 2019.

15. What is the fine for HDFC Bank if found guilty of harassment?

TRAI fines, RBI penalties, and compensation orders from consumer courts.

16. How long does it take for TRAI to resolve a complaint?

Usually within 7 working days.

17. Can I block bank spam calls at the telecom level?

Yes, DND complaints force telecom operators to block telemarketers.

18. Does RBI allow banks to cold call customers?

No, RBI discourages unsolicited banking offers and mandates ethical practices.

19. Can a consumer claim compensation for harassment calls?

Yes, consumers can claim compensation in consumer forums for mental harassment.

20. What is the first step if I get daily HDFC Bank spam calls?

Immediately register a complaint with TRAI (1909) and escalate to RBI Ombudsman.

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 remove it — ensuring fairness to both parties.