Yes its true I`m facing this problem with HDFC bank for past few week.In roaming due to urgent need I have to call and get high bill but always no positive response from them.They will ask you to get in touch with Branch where I hold the account and at branch they give a phone no it keeps on goiing for past 10 days even customer service help line or mail does not serve any purpose.HDFC is lousy in that sense.