HBL Reviews 

A worst experience EVERR!!!
Opened an account 2 months back and my debit card has not been delivered yet. This has pissed me off. I have called hbl helpline a THOUSAND TIMES but they don't even know how to deal with this situation 😭😭😭

I am HBL credit card user only, and my experience pertains solely to this product.

My recent interaction with the customer service agents who man the helpline has left me at a loss for words. A simple query which should have taken very little time to resolve, ended up involving me speaking with 8 different customer service agents, including a floor supervisor. All of whom were no able to address my concern, from my experience there appears to be and systemic disregard for any professional standards when dealing with customers, after being hung up on by 4 separate agents, agents unwilling to register my complaint. I have concluded that you should avoid HBL at all costs. If how my query was dealt with is the level of service HBL provides, then any issues which you may face will go unresolved.

I was supposed to invest n open an acct with HBL. Came to know,after asking by myself too, as was given time to come to Bank, that the biometric system of bank is down n will remain down till 2nd of July. My first impression was, how pathetic.

I'm writing to express my frustration with the excessive hold times I've experienced with your bank, even outside regular business hours! Despite calling at night, I was kept on hold for an unacceptably long time, wasting valuable time and causing unnecessary stress.

Details:

- Date: 10-06-2024/ 11-06-2024
- Time: 6:30 PM & 01:35 AM
- Hold duration: 20 mins & 11 Mins

I understand that delays can happen, but this was absurd. I expect better service from your bank, especially considering the fees I pay. It's understandable to there's a long queue but you can increase employees rather than disappointing and frustrating customers every day.
I urge you to address this issue and improve your customer support.

Worst bank ever .. I made partial payment of car loan and they just delayed it and not responded to my complaint and even adjusted it next month by delaying made extra markup and even deducted installment according to former plan ...they don't respond to customer complain and don't solve the issue in time .. they delay the process unnecessarily and cause trouble for their customers..very pathetic and disappointing situation...

Hbl is the worst ever bank of the world , very pathetic condition in all departments specially costumer care center, very very bad bank. Plz don’t look into this bank every body. Just bad and bad

Fair enough. They are understaffed in some branches in
Lahore Cantt. And The staff they do have doesn't get out of their phones.

Hbl just spoiled the customer even their prestige customer.no body is there to facilitate to facilitate the customers specially who are in abroad.hbl just block your account with out reason and then they irritates you just instead of give a sollution

Very bad services not providing any benefit to their client support is very cheap never sort out your complain and user experience is also bad online and offline. even registered complain is headache you fill like you are registering FIR

Take too long to process an account and also waited for my passport to expire so that they can not process it and also did the same to my father by opening his account after 4 months but told that it will take 2 to 3 days this bank is not the best mezan and alfalah are better I don't recommend
Note:reporting after applying for 2 months and being rejected because of credentials being expired aka passport

Wery poor staff Attitude and behavior is very bad ..Especially Jabal Ali .. Worst banking system

Useless online banking neither my account is getting login nor they are picking a call. As I am out of country so I can't visit the bank branch.
I have submitted the complain via email but not even responding via email. Such a nonsense behavior.
Through app no biomatric varifiction ever gets possible I tried million times. Couldn't be able to tap on OTP as well.

I receivd 012 condition on my bank account by my branch. I contacted my nearby HBL branch. And asked them about this condition..they had no knowledge about this condition. Then I contacted my own branch where I had account, and asked what the heck is 012 condition they said your account is non operational for last 12 month. I was shocked to hear that, because I received my monthly salary in this account and I had been recieving my govenment salary since 2018. I told them hello i just received my salary. They looked into my account and said oh no go to nearby branch and activate your account..I mean what the hell. Why wrong and null condition imposed on my account. Anyhow I went and activated my account.
For same problem I contacted HBL helpline for 9 times. Each time they told me new stories. Even many times they were clueless about terms and conditions of HBL..many times I taught them policies like for example they said HBL iD account must be closed if your age is more than 24 years and you can't continue it. But there policy says HBL iD account holder can continue account even after 24 years.
I think the only solution For HBL is customer must visit main branch of HBL of their city.. only main branch holder can help you. All other branches of a city are dumb.

Dreadful Experience with HBL Bank: Clueless, Rude, and Inefficient Service

I recently had the misfortune of dealing with HBL Bank's employees at the bank, and it was undoubtedly the worst experience I've ever encountered. The employees seemed either clueless, rude, or outright lazy, making a simple procedure of changing my phone number on documents an absolute nightmare.

Upon arrival, I was met with a disinterested employee who made me wait for a staggering 20 minutes, only to deliver the excuse that they don't handle number changes after 3 PM—an outright lie, as I later discovered. Despite explaining my situation, the employee offered no assistance, providing incorrect guidance and ultimately sending me away frustrated and empty-handed.

This appalling display of incompetence reflects poorly on HBL Bank's commitment to customer satisfaction. The lack of professionalism and accountability among their staff is alarming, leaving customers feeling helpless and undervalued.

Furthermore, the inefficiency of their processes only exacerbates the issue, turning a simple task into a drawn-out ordeal. It's disheartening to see such disregard for customer needs and basic courtesy.

I urge potential customers to reconsider banking with HBL Bank unless they're prepared to endure endless frustration and disappointment. A bank should be a reliable partner in managing finances, but based on my experience, HBL Bank falls far short of that standard.

Most worst atm service in world globally, especially at 0072, Sindh University Main Branch (atm out of service 24x7x365 days), mentally sick employees, abusive call center agents, over all most worst bank in Pakistan like other govt and private bodies exist in this third world country. I only wish that some day it will be better or any other good company will takeover this. I am Optimistic person hoping for good

Where do i begin as an oversees Pakistani, i am saddened to see a well international bank does not have the capabilities to deal simple queries promptly.

Perhaps they need to be more clear in stating our branches abroad and in Pakistan are not interlinked. I am sure this will definitely turn most people away.

Honesty is key!

I am writing this review with great disappointment and frustration regarding the abysmal customer service provided by HBL. As a customer who has been with your so-called "best digital bank," I am appalled by the lack of efficiency and responsiveness to a seemingly simple request.

For more than 20 days, I have been tirelessly attempting to obtain my account statement, a fundamental service that any reputable bank should be able to provide promptly. I have utilized both email and phone communication channels, only to be met with a constant loop of assurances that my issue will be resolved within the next 24 hours.

The claim of being the best digital bank is rendered meaningless when the basic function of sending a simple email with an account statement cannot be accomplished. I have invested over 70 to 80 minutes in total, waiting for a customer service representative to answer my call, detailing my issue, only to be told the same generic response – "we have highlighted your issue, and it will be solved."

As a customer, my time is of utmost importance, and the disrespect for it is evident in this prolonged and unresolved matter. It is unacceptable that a supposedly digital-savvy bank cannot manage a straightforward request within a reasonable time frame.

I urge HBL to reconsider its commitment to customer service and prioritize the resolution of such basic issues. The current experience I am facing tarnishes the reputation that your bank boasts, and it is crucial for you to rectify this immediately.

Sincerely,

Habib Ahmad Paracha

I am living overseas since 2022 and unfortunately I have an account in their bank since 2013.

1. After 5 or 6 months of my current overseas travel, without my knowledge and my permission, they blocked and deactivated my active & non expired debit card and allegedly issued a new one (which has never reached me). Because if unavailability of an active card, i can not use my app, i cannot see my account activity, i cannot perform transactions etc.

2. I contacted them and they say that they have deactivated my account due to inactivity and that i have to activate it by verifiyng the otp. . The question is that why without my permission and my knowledge, my bank account was deactivated without any single reason.

3. Despite of calling the helpline and providing all the personal and family details and verifying the OTP my account was not activated and they asked me to visit the branch to reactive which i cant because i live overseas.
Today on 27-10-2023 via email, i am asked by them to go to embassy and get a request letter attested by the embassy. Now If the embassy or consulate is 300 Km away from my residence, why would i suffer this pain ?
The question is that why actually the account was deactivated and why actually the card was blocked without my knowledge and my permission.

And this is not the first time I suffered because of this bank. I already have a couple of bad experiences with them and on those times, i reported those problems to them as well. Now is this a deliberate attempt of annoying me ? or are these coincidences i dont know. But if these kind of coincidences happen with majority of their customers, i hope they would have to close their bank due to shortage of interested customers. Which makes it clear that they are deliberately annoying me.

My previous bad experiences;

i. In 2014, I made it sure prior to my travel to Indonesia that whether the debit card will work there or not, and they assured me it will work. I deposited most of my to be consumed amount into my HBL bank account because i had trust the words of CSR and the branch manager but throughout my journey, the card did not work which massively disturbed my travel plans and i suffered a big financial loss because of that. I kept contacting them from abroad but they only made excuses.

ii. A couple of years later, I Booked airline tickets and travel insurance through online services, which after a couple of days i cancelled due to the refusal of visa. The company refunded my money, it reflected into my bank account but the bank set a restriction for me to withdraw it. It kept reflecting in my balance for 10 days but i was unable to withdraw it, transfer it or to make any use of it. I used to call the helpline, they used to refer me to the branch. I used to go to branch and they used to refer me to the helpline. I called the helpline by standing inside the branch and both of them told me to wait a couple of days and the amount will be released. After a couple of days the amount disappeared. I was so much tired after 10 days that i decided to forget about my money as i was busy in doing my job at a far away place.

Now team HBL, please let me know, are you guys bankers or scammers ? Do you have a right to claim yourself as one of the leading banks in the country if you are creating such kind of neausence? Just think over it.

This is a great bank and very good service