If you’re experiencing this problem with this brand or any other company, submit your complaint and we may feature it on Choice4Voice.com.
Submit your complaint →Rahul Yadav accuses HDFC Bank of delaying a sanctioned loan, misusing Aadhaar & PAN to open Demat/Trading accounts without consent, and harassment during loan disbursement. Detailed case, legal remedies, authorities, and draft complaint guides.
Complaint Summary Table : Rahul Yadav vs HDFC Bank – Loan Harassment, Misuse of Aadhaar & Unauthorized Account Opening
| Details | Information |
|---|---|
| Complainant Name | Rahul Yadav |
| Not disclosed | |
| Phone/WhatsApp | Not disclosed |
| Complaint Type | Harassment, Misuse of KYC, Unauthorized Account Opening |
| Company/Brand | HDFC Bank |
| Product/Service | Top-Up Home Loan |
| Loan Account No. | 704446418 |
| Loan ID | 1103844435 |
| Loan Amount | ₹9,83,000 |
| Application Date | 21-Aug-2025 |
| Scheduled Disbursement | 20-Sep-2025 |
| Incident Date | 01-Oct-2025 onwards |
| Branch Location | HDFC Bank, Connaught Place, New Delhi |
| Company’s Response | No resolution despite escalation to MD’s office |
| Complaint Status | Pending and unresolved |
Detailed Complaint by Rahul Yadav
Rahul Yadav, a Network Engineer at RCF, has filed a serious complaint against HDFC Bank regarding unethical practices, harassment, and misuse of personal documents during his loan process.
Loan Application & Delay
- Rahul applied for a Top-Up Home Loan of ₹9,83,000 on 21-Aug-2025.
- The scheduled disbursement date was 20-Sep-2025, but despite timely submission of all required documents and payments, the loan was not released on schedule.
Incident at HDFC Connaught Place Branch
On 01-Oct-2025, Rahul visited the Connaught Place branch (Token No. DB-03) and:
- Completed all formalities and signed necessary documents.
- Was pressured by staff to accept a credit card and life insurance, which he declined.
- Shockingly, his Aadhaar, PAN, and thumb impression were misused to open a Demat/Trading account without his consent.
Escalation and Contradictory Response
- Rahul immediately escalated this matter to the Managing Director’s office of HDFC Bank but received no response.
- On 02-Oct-2025, he received an email from HDFC stating that his loan disbursement request was made on 30-Sep-2025 and that he should revisit the branch, despite already completing the process on 01-Oct-2025.
Key Issues Highlighted
- Loan disbursement delay beyond the sanctioned date, causing financial stress.
- Harassment by staff who attempted to sell unwanted products.
- Unauthorized use of KYC documents (Aadhaar, PAN, biometrics) to open additional accounts.
- Violation of RBI and SEBI norms by forcing financial products and opening accounts without consent.
- Lack of accountability even after escalation to senior management.
Reliefs Demanded by Rahul Yadav
- Immediate loan disbursement as per sanction.
- Closure of unauthorized Demat/Trading account.
- Written apology from HDFC Bank.
- Disciplinary action against employees involved.
- Compensation for harassment, mental stress, and privacy violation.
Legal Options Available to Rahul Yadav
Rahul’s case falls under multiple legal and regulatory violations. Here are the remedies:
1. RBI Banking Ombudsman Complaint
- RBI allows customers to file free complaints for loan disbursement delays, mis-selling, and harassment.
- Complaint can be filed online at: RBI Ombudsman Portal.
2. SEBI SCORES Complaint
- Since a Demat/Trading account was opened without consent, Rahul can approach SEBI via SCORES platform.
3. Consumer Forum Case
- Under the Consumer Protection Act, 2019, Rahul can claim compensation for harassment, delayed loan, and unauthorized accounts.
4. Cybercrime Complaint
- Misuse of Aadhaar, PAN, and biometrics is a cybercrime offense. Complaint can be filed at the National Cybercrime Portal.
5. FIR with Police
- Filing an FIR under IPC Sections 420 (cheating), 406 (criminal breach of trust), 468/471 (forgery & identity misuse) is possible.
Authorities Where Complaints Can Be Filed
- RBI Ombudsman – for loan-related harassment.
- SEBI – for unauthorized Demat/Trading accounts.
- Consumer Court – for compensation.
- Cybercrime Cell – for misuse of Aadhaar/PAN.
- UIDAI – for Aadhaar misuse reporting.
- Police – for criminal FIR.
Ready-to-Use Draft Complaint Templates
Here are short complaint drafts Rahul can use:
1. RBI Ombudsman Draft
Subject: Complaint Against HDFC Bank – Loan Harassment & Delay
“I applied for a Top-Up Home Loan (Loan ID: 1103844435) which was delayed despite completing all formalities. Further, my documents were misused to open unauthorized accounts. I request immediate redressal, disbursement, and action against the bank.”
2. SEBI SCORES Draft
Subject: Unauthorized Demat/Trading Account
“My PAN, Aadhaar, and biometric details were used by HDFC Bank to open a Demat/Trading account without my consent. Kindly investigate and close the account.”
3. Consumer Forum Draft
Subject: Complaint Against HDFC Bank for Harassment & Deficiency of Service
“HDFC Bank delayed my sanctioned loan, misused my KYC, and caused financial & mental harassment. I seek compensation of ₹5,00,000 and closure of unauthorized accounts.”
4. FIR Draft (Police)
Subject: Cheating & Misuse of Personal Documents by HDFC Bank Staff
“I request an FIR under IPC 420, 406, 468, 471 against HDFC Bank employees for misusing my Aadhaar, PAN, and thumb impression to open accounts without my consent.”
5. Cybercrime Complaint Draft
Subject: Biometric & Aadhaar Misuse by HDFC Bank
“My Aadhaar, PAN, and thumb impressions were misused by HDFC Bank to open accounts without consent. I request investigation and legal action.”
How Choice4Voice.com Supports Consumers
At Choice4Voice.com, we:
- Publish verified consumer complaints with full transparency.
- Provide guidance on legal remedies and complaint filing.
- Offer draft templates for FIR, RBI, SEBI, Consumer Forum, and Cybercrime complaints.
- Amplify consumer issues on LinkedIn and media platforms to pressure brands.
HDFC Bank – Brand Background
HDFC Bank, India’s largest private sector bank, has a history of consumer complaints involving:
- Aggressive product pushing (credit cards, insurance).
- Telemarketing harassment.
- Unauthorized account openings reported in multiple cases.
- Loan disbursement delays despite pre-approval.
This case highlights serious concerns about consumer trust, regulatory compliance, and ethical practices at HDFC Bank.
Frequently Asked Questions (FAQs)
Q1. What is Rahul Yadav’s main complaint against HDFC Bank?
A. Loan disbursement delay, harassment, and misuse of Aadhaar/PAN to open unauthorized accounts.
Q2. Can banks delay a sanctioned loan?
A. No. Once sanctioned, banks must disburse within the promised timeline unless there is fraud.
Q3. What is RBI Ombudsman’s role?
A. To handle customer complaints against banks for free, including harassment, fraud, and loan issues.
Q4. Is it legal to force a credit card with a loan?
A. No. RBI prohibits forced bundling of products.
Q5. What is SEBI SCORES?
A. An online portal for lodging complaints against brokers and unauthorized Demat/Trading accounts.
Q6. Can Aadhaar misuse be reported?
A. Yes, to UIDAI and Cybercrime authorities.
Q7. What IPC sections apply to this case?
A. 420 (Cheating), 406 (Breach of Trust), 468/471 (Forgery and Identity Misuse).
Q8. What compensation can Rahul claim?
A. Compensation for financial stress, harassment, and misuse of documents.
Q9. Can Consumer Court handle banking disputes?
A. Yes, under the Consumer Protection Act, 2019.
Q10. How to check unauthorized Demat accounts?
A. By checking with CDSL/NSDL or through PAN validation on SEBI portal.
Q11. Can thumb impression misuse be a cybercrime?
A. Yes, it is identity misuse and punishable under IT Act & IPC.
Q12. How long does RBI Ombudsman take?
A. Usually 30–90 days.
Q13. Can HDFC Bank deny accountability saying “system error”?
A. No. Banks are fully responsible for staff actions.
Q14. Is financial harassment compensable under law?
A. Yes, Consumer Forum can award compensation.
Q15. Can Rahul stop EMI deductions if loan not disbursed?
A. Yes, by filing dispute with RBI Ombudsman.
Q16. What documents are needed for Consumer Forum?
A. Loan sanction letter, branch visit proof, contradictory emails, and complaint copies.
Q17. Can SEBI penalize HDFC Bank?
A. Yes, for unauthorized account openings.
Q18. What is Choice4Voice.com’s role?
A. To amplify consumer complaints and provide complaint drafting support.
Q19. Has HDFC Bank faced such complaints before?
A. Yes, multiple complaints exist about mis-selling and unauthorized accounts.
Q20. How can customers protect themselves?
A. Never sign blank forms, always request acknowledgment, and check PAN/Aadhaar-linked accounts periodically.
