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Submit your complaint →Lawyer Lovish Kumar has filed a serious complaint against HDFC Bank after ₹590 was deducted from his account without consent for a debit card issuance fee, despite prior assurances from the Yamuna Nagar branch that no such charges would apply. Choice4Voice.com investigates the case and explains how customers can take legal action for unauthorized deductions by banks.
Complaint Summary
| Complainant Name | Lovish Kumar |
|---|---|
| Profession | Lawyer |
| Company/Brand | HDFC Bank |
| Branch Name | Nirankari Bhawan, Jagadhari Road, Yamuna Nagar |
| Issue Type | Unauthorized Deduction / Misrepresentation |
| Amount Involved | ₹590 |
| Date of Incident | 8 November 2025 |
| Complaint Source | Public LinkedIn Post |
| Brand Response | Case registered; refund promised within 3–7 working days |
| Status | Pending Resolution |
Full Story
Lovish Kumar, a practicing lawyer, has raised a serious concern regarding unauthorized fund deduction by HDFC Bank. On 8th November 2025, an amount of ₹590 was deducted from his newly opened savings account as a Debit Card Issuance Fee, even though he had clearly informed the branch staff at the time of account opening that no such fee should apply.
The account was opened at HDFC Bank’s Nirankari Bhawan branch, Jagadhari Road, Yamuna Nagar, where the staff assured him that the account was zero-balance and no hidden charges would be applied. However, a month later, the unauthorized deduction appeared without any prior notice or consent.
When Lovish contacted HDFC Customer Care, a complaint was registered, and he was informed that the refund would be processed within 3 to 7 working days.
He has publicly questioned HDFC Bank’s lack of transparency, misrepresentation by staff, and non-compliance with fair banking practices, demanding accountability and a policy-level review.
“Why was this deduction made without my consent? Why was there no transparency or prior notice? Why did the branch misrepresent facts during account opening?”
— Lovish Kumar, via LinkedIn
Customer’s Key Concerns
- Misrepresentation by bank staff during account opening.
- Unauthorized deduction of ₹590 as debit card issuance fee.
- No prior intimation or customer approval.
- Lack of clarity in HDFC’s fee structure.
- Possible violation of RBI’s Fair Banking Code.
Legal Case Can Be Filed
| Type of Legal Action | Applicable Law/Authority | How Choice4Voice.com Can Help |
|---|---|---|
| Consumer Complaint for Deficiency in Service | Consumer Protection Act, 2019 | Choice4Voice.com assists in filing a verified complaint with the District Consumer Disputes Redressal Commission for unauthorized deductions. |
| Violation of RBI Fair Practices Code | Reserve Bank of India (RBI) | We help escalate complaints to the Banking Ombudsman / RBI Integrated Ombudsman Scheme 2021. |
| Legal Notice for Misrepresentation | Indian Contract Act, 1872 | Our legal team can help draft a notice demanding refund and compensation for misleading promises. |
How Choice4Voice.com Can Help
At Choice4Voice.com, we raise consumer concerns that are often ignored by major corporations and banks. Once a verified complaint is submitted:
- It is reviewed and verified by our advocacy team.
- A detailed report is published publicly to ensure brand accountability.
- Our experts assist in drafting legal notices and preparing consumer forum cases.
- We provide step-by-step guidance for filing with RBI Ombudsman or Consumer Court.
To submit your verified complaint, visit Choice4Voice.com.
Step-by-Step Guide to File a Complaint Against HDFC Bank
- Contact HDFC Customer Support:
Call or visit your branch to file a complaint and obtain a case reference number. - Email to Grievance Officer:
Send details to grievance.redressal@hdfcbank.com with subject line “Unauthorized Deduction – Account Misrepresentation.” - Wait 30 Days for Resolution:
If unresolved, escalate under RBI Integrated Ombudsman Scheme, 2021 via
https://cms.rbi.org.in. - File Consumer Complaint:
Approach District Consumer Forum under Section 35 of Consumer Protection Act, 2019 for refund and compensation. - Submit to Choice4Voice.com:
For publication and support in drafting legal correspondence and advocacy escalation.
Pre-Drafted Templates
1. Email to HDFC Bank
Subject: Unauthorized Deduction of ₹590 Without Consent – Immediate Action Required
Dear HDFC Bank Team,
I noticed an unauthorized deduction of ₹590 on 8 November 2025 for a debit card issuance fee. This charge was never discussed or approved during account opening.
Kindly refund the deducted amount and ensure such charges are not applied without explicit consent.
Regards,
[Your Full Name]
2. Complaint to RBI Ombudsman
“Under Clause 8(1)(a) of the RBI Integrated Ombudsman Scheme 2021, I am filing this complaint against HDFC Bank for unauthorized deduction and lack of prior disclosure. The bank’s actions amount to deficiency in service and misrepresentation of terms at the time of account opening.”
About HDFC Bank
HDFC Bank, one of India’s largest private sector banks, operates under the regulatory supervision of the Reserve Bank of India. While known for innovation and customer reach, recent consumer reports highlight growing issues of hidden charges, unauthorized deductions, and delayed grievance redressal.
Author
Lovish Kumar is a lawyer specializing in civil and financial matters. He shared this verified complaint publicly on LinkedIn to highlight non-compliance with fair banking practices and to ensure that other consumers remain aware of hidden charges and misrepresentations in the banking sector.
Q&A – Frequently Asked Questions
Q1: What should I do if my bank deducts money without notice?
A: Immediately report it to customer care and demand a written explanation or refund.
Q2: Can banks deduct fees without prior consent?
A: No. RBI mandates prior intimation and transparency for all service charges.
Q3: How long should I wait for HDFC Bank to resolve such cases?
A: The bank should resolve within 30 days; after that, escalate to the RBI Ombudsman.
Q4: Can I get compensation for unauthorized deduction?
A: Yes. Under the Consumer Protection Act, you can claim refund plus compensation.
Q5: Does HDFC Bank have to disclose all charges at account opening?
A: Yes, it’s mandatory under the RBI Fair Practices Code.
Q6: How to contact HDFC Bank’s grievance redressal team?
A: Email: grievance.redressal@hdfcbank.com
Q7: Can Choice4Voice.com publish my complaint?
A: Yes, after verification, your case can be featured publicly to ensure visibility.
Q8: What if my refund isn’t credited in 7 days as promised?
A: Escalate immediately to RBI and file a consumer complaint for delay.
Q9: Can I take legal action if branch staff misleads me?
A: Yes. Misrepresentation is punishable under the Indian Contract Act.
Q10: Can the RBI penalize banks for such conduct?
A: Yes, RBI can impose penalties and issue corrective directives.
Q11: What is the maximum compensation I can seek?
A: You can claim refund plus ₹10,000–₹50,000 for mental harassment.
Q12: What are the documents required for complaint filing?
A: Account statement, communication records, branch visit notes, and complaint number.
Q13: Is this a common issue with private banks?
A: Many consumers report similar unauthorized deductions across private banks.
Q14: How can lawyers or professionals raise such issues publicly?
A: Through verified complaint platforms like Choice4Voice.com for higher visibility.
Q15: Does HDFC need customer consent for new card issuance?
A: Yes, written or digital consent is mandatory before any deduction.
Q16: Can a consumer forum direct refund orders?
A: Yes, the forum can issue binding refund and penalty orders.
Q17: How long does the RBI Ombudsman process take?
A: Typically, within 60 days from the date of registration.
Q18: Can the bank close my account for complaining?
A: No, such action would be illegal and retaliatory.
Q19: What law protects consumers from unauthorized deductions?
A: Consumer Protection Act, 2019 and RBI Ombudsman Scheme 2021.
Q20: How can Choice4Voice.com support me legally?
A: We help prepare drafts, publish verified cases, and assist in escalation to RBI or consumer courts.
✅ If you have also faced unauthorized deductions or hidden charges by your bank, visit Choice4Voice.com and submit your verified complaint today. Together, we make customer voices heard.
