HDFC Bank — charges levied on the account

Address:

103/B, Sagittarius, Divya Park, Jankalyan Nagar, Kharodi PO, Malwani, Malad (W), Mumbai City, Maharashtra, 400095

Respected sir,

I am an old account holder of your esteemed bank having a salary account in hdfc for 8 years. I have been getting my salary credited to the hdfc account with my branch located in malad orlem. The salary account that was supposed to be a zero balance account was not having the criteria of maintaining a minimum balance ever since day one when my account was opened in your bank as a salary account. However, to my biggest surprise from march 2018 i was getting deducted for non-maintenance of the minimum balance in the account. I had raised a complaint with hdfc regarding the same via email and had received a reply from an employee in your bank named payal rathod (Payal. [protected]@hdfcbank.com) on 18 may’18 stating that the charges levied would be reverted to the account.
However, these deductions are continuing in the account every month for the past many months. When i had walked into your orlem branch in malad inquiring about the same, i was given a very vague and illogical answer that my salary account has been converted to a normal account.
I am very much baffled and astonished to know that an account that has been receiving salary every month for the past 8years from the same company with no breaks and disruptions has been converted to a normal account. As per my knowledge, if a salary account has to be converted to a normal account there is a prior intimation given via email and sms 7 days before, post which if there is no salary credited to the account, it would be converted to a normal account. However, in my case there was no intimation given nor have i taken break where my salary has not been credited as i have been working with sitel india pvt ltd for the past 8 yrs now.
This has been very dissatisfying and troublesome as i have to follow-up on this in the middle of my schedule and there is not much information given by anyone whom i contact.. Apart from all this, when the same is questioned to the bank, the answers given are vague and arrogant because i was told that the conversion of my account to normal account was due to some technical glitch that has happened in the system. My biggest question is, “how did a system glitch happen to change my account status?” and “why was i not informed about the same?”. Last month, due to this unwanted circus stunt, i happened to miss my loan payment for which i would be charged an additional amount by the bank not to mention how it would affect my cibil scores.