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HDFC Bank pre-closed my sister's two personal loan EMIs without notice, added penalties, and has left her unresolved since Jan 2026

HDFC BankPC-2026-03216Banking & LoansAnonymous ·
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I think HDFC Bank and Reserve Bank of India (RBI) they are only there to fool common Indian.... My sister, Anchal Mishra,had taken two personal loans (on 29 Sep 25, account number 0000000000130248593, and 3 Oct 25, account number 0000000000130563131). She had paid the first 3 installments properly without any failures. However, her Relationship Manager, Shabaz Shaikh, had pre-closed her EMIs without any prior mail or call. We tried to reach him, but he had already left the job. Then, when my sister was paying her January 2026 bill, she found that some extra penalties and fines had been added to her EMI. She contacted her new RM, Anjana Rajbhar. But We didn't get any solution. She paid all the bills until March 2026, but we were not getting any response from them HDFC Bank HDFC Limited,I had personally emailed multiple times, but the response from the bank was simply, 'We will let you know soon.' They offered a solution in March 2026 where my sister had to pay extra for something she didn't even do. So, I emailed again for an explanation, but we got no reply. Then, I registered a complaint with the Reserve Bank of India (RBI) via CMS (Complaint No. N202526013029898), but the resolution was not what we expected. After that, my sister was mentally harassed by the credit card collection team. I had registered a complaint against them with the HDFC Bank grievance team, but received no response, and calls are still coming (as of 1 November 2026). Her employer, Motilal Oswal Financial Services Ltd, also didn't help her. My sister requested to change her salary account from HDFC Bank to another bank, but no changes have been made so far Then we received calls and emails from Mangesh Shinde (Team Leader at HDFC Bank). He also tried to help us, but we still received no satisfactory solution. My sister is facing financial problems and mental pressure due to this. She has visited every possible office in Mumbai to close the EMIs, but received no response. Then, I registered another case with the Reserve Bank of India (RBI) (case number N202627013019099 on 13 October 2026), which is still awaiting a response. My sister is the one financially supporting my studies. Therefore, I request HDFC Bank to look into this matter. I will help from my side with the details and will also provide the email IDs of the respective individuals mentioned above. All we want is for all the extra fines and penalties imposed on us to be waived off, as we never closed any EMI from our side. I have also been involved in this matter since January 2026. My sister has emailed them for solutions and responses: ****** ****** ****** ****** ****** #hdfc #emi #finanicial #fraud #bank #creditcard Reserve Bank of India (RBI)HDFC BankHDFC LimitedMotilal Oswal Financial Services Ltd +1

Personal details such as phone numbers, emails and ID or account numbers have been hidden (shown as ******) for privacy. Only the author, the company's approved representatives and Panchaayat staff can see them.

History

  1. Case filed

    Filer · 3 Nov 2026, 7:50 am

Comments (1)

  • HDFC Bank (via email)Company

    Received via email from the company's official address · Sender: support@hdfc.bank.in

    Dear Customer, Thank you for writing to us. This is a system-generated response to acknowledge receipt of your e-mail. The subject line contains case reference number/docket number allotted to your email. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Our Customer Service Executive will respond within 2 working days. In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution. We request you to bear with us in the interim. IMPORTANT: For reporting and reissuance of lost or stolen Cards, reporting of frauds or unauthorized transactions, blocking of Net banking/ account/ UPI and ATM transaction disputes you can call our toll-free number 1800 258 6161. In addition to this we request you to also report the incident to National Cyber Crime Helpline at 1930 or through online portal at https://cybercrime.gov.in/Webform/Crime_AuthoLogin.aspx or www.cybercrime.gov.in. Alternatively, you can use the SMS facility to immediately block HDFC Bank NetBanking and MobileBanking by sending an SMS "BLOCK OB" to ****** from your registered mobile number in case of any suspicious activity. All linked customer IDs will be blocked, and you will receive an SMS confirming the status. To unblock, please visit the nearest branch. To block your Debit Card: SMS "BLOCK DC XXXX" (replace XXXX with the last four digits of your Debit Card) to ****** from your registered mobile number. To block your Credit Card: SMS "BLOCK CC XXXX" (replace XXXX with the last four digits of your Credit Card) to ****** from your registered mobile number. To block UPI payments: SMS "BLOCK UPI" to ****** from your registered mobile number You can now check your account Balances and statements, Credit Card Transactions, Reward Points, Convert to EMI, Loan Services and more on the go. Please save ****** and say Hi on WhatsApp to experience our new Chat Banking. For more queries / assistance - Just Ask Eva by clicking following link!!! Your personal Chat agent to help you 24 x 7: Note : Important update w.r.t your E-mail ID In case you are holding any banking relationship and there is a change in Email ID we advise you update your e-mail id in Bank records. Registering your correct e-mail ID offers significant long-term benefits and conveniences to you in receiving statements and important updates. To update your e-mail id in Bank records, you can download the request form through "Forms Center" and submit the copy of the completed application form to any the nearest branches or Nearest Retail Asset Loan Service centers for Loan Product. To Find Nearest HDFC Bank Branches & Retail Asset Loan Service center you may visit the below Link. Your association is greatly valued by the Bank, and we will spare no efforts to resolve the matter quickly. Assuring you of our best services. Warm Regards, HDFC Bank Ltd

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