HBL Reviews 

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

I’ve been given incorrect information from this bank trying to sell me an insurance policy from jubilee life insurance. Just for the sake of selling the insurance they lie and give you the incorrect information and deliberately do not give you, your documentation so that you cannot cancel it.

I've been a customer of HBL for quite some time now, and overall, I've had a positive experience with their services. I would rate them 4 stars for the following reasons:

1. Good Services:
HBL has consistently provided reliable and efficient banking services. Whether it's handling transactions, online banking, or customer support, their services have met my expectations.

2. Professionalism:
The staff at HBL has been professional and helpful in addressing any queries or concerns I've had. Their commitment to customer service has made my banking experience smooth and hassle-free.

3. Room for Improvement:
While I appreciate the overall quality of their services, I do believe there is room for improvement. One area that stands out is the need for a reduction in fees and taxes. Lowering these costs would undoubtedly enhance the overall value proposition for customers.

4. Suggestions:
I would encourage HBL to consider reviewing and potentially decreasing their fees and taxes to make their services even more competitive in the market. This adjustment could further contribute to customer satisfaction and loyalty.

In conclusion, HBL has been a reliable banking partner, and I appreciate the positive aspects of their services. With a slight adjustment in fees and taxes, I believe they could enhance their offering and provide even greater value to their customers.

Their FirstPay app is a scam, they charged me for a debit card and ran away , didn't replied my emails and calls. Neither refunded the paymeny. DO NOT USE FIRST PAY APP BY HBL.

HBL Mobile App is 100% useless, it is not reliable and dependable, do not trust on it, i have been experiencing it since last times and i have experienced thrice time, although hbl reverses your sent or received money, nondeliverence to beneficiary, yet a lot of time, days, are wasted. So, do not trust on this hbl mobile app. Every service of hbl is very poor.

Such a useless bank. Never see like them bank. My amount stuck and I have made a lot of complaints and call also I visited their branch but no result. They are unable to sort out my issue. And my amount is stuck I'm unable to use my amount even I can not withdraw my amount. So, I hate this bank system. The amount is more than 4000k. I'm in contact with them from 2 weeks but uable to solve problem

If you're looking for a bank that specializes in frustration and disappointment, HBL is your one-stop shop. My recent encounter with their customer service left me not only questioning their training but also their integrity.

Let's start with the basics – their representatives seem to be about as trained as a toddler on a tricycle. When I called HBL to report an unauthorized charge from Bluehost, I expected them to handle it promptly. Instead, I was met with a barrage of misinformation and confusion. And to add cherry on top, they will raise their voices and then will say we didn't raised our voice to make you look like a fool,will intrupt you in the middle of conversations, It was like watching a comedy show, but there was nothing funny about it.

What's worse, when I pointed out the unauthorized charge and requested them to block my card, they assured me it was done. Lo and behold, a few days later, I find out my card was never actually blocked. It was like dealing with a bunch of amateur magicians who can't even make a card disappear properly.

But wait, it gets even better. When I asked them to address the issue, they hit me with the most infuriating response imaginable – "What is past is past." Really, HBL? So, you take my money, fail to do your job, and then brush it off like it's yesterday's news? This isn't customer service; it's customer indifference.

To top it all off, they had the audacity to claim they're the best banking service in Pakistan. Well, if this is what they consider the best, I shudder to think about the rest.

I asked their customer care agent to email me all she said in a bizzare and disappointed mood, "No, i won't be able to send you all of this 10 mins conversation thru email" emails are proof of conversation, and HBL is very good hiding behind the curtain.

HBL, you've truly set the bar for disappointment, and it's a low one. If you enjoy being lied to, ignored, and treated like your concerns don't matter, then by all means, give HBL a try. But if you value your sanity and your hard-earned money, steer clear of this nightmare of a bank.

This bank is very trusted and helpful in every condition

I just love it this mobile app is easily understandable and handling I can pay all bills easily I just say this is amazing 💝🤍 the most best thing is the HBL never call to its costumer so we are safe from any kind of scams ♥️

Worst Customer Support ever. I feel like they don't even want to talk to the customers on call and when you visit the branch, there is complete chaos. Everybody is reluctant to serve you and ask you to go to the next counter. There is no Ticketing system in place. Honestly such a bad decision to open account with HBL.

Mobile Application provide all the facilities of transaction but charges are very high.

Just poor all round, never answer the phone to sort out queries and when you eventually speak to someone they transfer your call and no-one answers or the call is terminated - Worst bank ever!

I have to be brutally honest: the cashier sitting in the Shabqadar branches of HBL 1 and 2 are just so unprofessional and have bad behaviours and they don't even know what are customers and how to respect them.

This is not the 1st or 2nd time, every time my brother visits there, they are behaving so badly, I really wish and pray that these selected should get fired and HBL hire on merit not on a bribe.

I'm surprised to see so many bad reviews about HBL customer care however still no any action have been taken this shows how the responsible and efficient management of HBL is.
I feel regret to choose HBL, worst ever customer care faced in my life. They don't even take their customers seriously. I bet if these kind of bad reviews would have been given to any other bank in the world the whole management had fired but unfortunately the whole management is useless they don't even care what people are complaining about their useless service. Big shame for such worst ever customer care.