HDFC Bank — ACH debit return charges

Address: Branch - HDFC BANK, Sec - 16, Faridabad (Haryana)

Website: HDFC Bank

R/S Sir/Madam,
I'M Sonu Kumar, From Faridabad (Haryana).
I have a salary account - [protected] with HDFC bank. I have been charged "ACH debit return charges" of Rs 531 is deducted from my account and now my balance is showing -145.32 Rs on 26/12/2023.

I have never been informed that this would be charged due to lack of funds. What are these charges for! Why are they so high. It is not a debt i have to pay. It is sip. How can you inculcate habit of regular savings if you penalise so harshly for not having balance.

Hdfc bank has to return this money. There was no intimation from the bank.

Please help me resolve this. People are losing trust in public banks and now these banks also!!!. Although it doesn't make a difference to hdfc bank for sure, but i will close my account if it is not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me of the charges for the same. Heights of fraud. You must give me a warning that if funds are insufficient you will be charged. Nothing was there.

Please Please help me resolve this and return my money.