[Resolved]  HDFC Bank — changed salary account to saving account without my consent and charge for not maintaining minimum balance

Address: Sikar, Rajasthan, 332001

My salary account (In hdfc bank) was created during my first intern company, with below t&c
This refers to the corporate salary account held with us. As a holder of this account you are entitled to many exclusive benefits such as:
1. Zero balance account
2. Free international debit card
3. Free demand drafts on hdfc bank locations
The terms and conditions of your hdfc bank corporate salary account, amongst others, requires that your salary proceeds are credited to this account on a regular basis.

So once i left the company and joined somewhere els in new city. I had to open another salary account as new company was customer with some other bank. Now my salary account in hdfc bank has been converted to savings account (Without my consent and without informing me).
While leaving the old company i had called customer care and raised a request to close my account as i did not want to use the account and they did say that they will follow up with the request and close the account. After that i never logged in to my account through net banking and i do not have a debit card (Lost in 2 years back and i never requested for a new one). Since july, 2017 i started receiving message from hdfc bank that i have charge with 600rs for not mentioning min balance. I logged into my account to check what is going on, i see that i have inr -9, 380.97 in my account. I request you to please take action against this bank and close my account on priority basis or transfer account to my near by banks.

As per rbi regulations, banks are not allowed to make any customer's balance go in negative solely on charges levied for non-maintaining minimum balance. You may check this link:

https://rbidocs.rbi.org.in/rdocs/notification/PDFs/MBLRDC201114.PDF
https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=1022&Mode=0
https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=30911

According to the rbi notification, banks should not take undue advantage of customer difficulty or inattention. Instead of levying penal charges for non-maintenance of minimum balance in ordinary savings bank accounts, banks should limit services available on such accounts to those available to basic savings bank deposit accounts and restore the services when the balances improve to the minimum required level.

Banks should not levy penal charges for non-maintenance of minimum balances in any inoperative account. Banks should also limit the liability of customers in electronic banking transactions in cases where banks are not able to prove customer negligence, the rbi said.
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Sep 26, 2017
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Sep 23, 2017
HDFC Bank Customer Care's response
Hi,

I'll do my best to help you. Please write to [protected]@hdfcbank.com with your Account No.or Customer ID, & contact details. Mention this Ref No.TTU[protected] in the subject of your mail so it'll help me track your e-mail.

Bejoy
HDFC Bank Customer Assistance
Sep 24, 2017
Updated by jangir pankaj
Hi HDFC,
4 days back, I have dropped a mail to [protected]@hdfcbank.com, still no reply. please do not be innocent here.
I am dropping one more mail thread with subject "[URGENT] [Ref No.TTU[protected]] Complain Regarding - Negative balance in my account" let see what you will guys do.
 
1 Comment

Comments

same this hdfc bank vashi sector 17 did with me and lot of my co workers . we should all put court case against HDFC BANK

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