Issue : HDFC Bank has debited INR 88.50 in my Current Account for the following transactions.
1. MIR[protected] INR 29.50
2. MIR[protected] INR 29.50
3. MIR[protected] INR 16.41
4. MIR[protected] INR 13.09
Transaction Remarks: NWD DECCHG 25-08-20 CARDEND[protected]
While opening HDFC Salary Account in WIPRO LIMITED, HDFC Sales persons promised that we have unlimited ATM withdrawals. Kindly mention why HDFC charged my Current Account and also refund the same.
I wrote the above mail to HDFC CUSTOMER CARE TEAM and received the following reply.
Resolution provided :
Dear Mr. Gowtham, Thank you for writing to us. This is with reference to your e-mail dated September 04, 2020 with Subject line : We would like to inform you that when you use your HDFC Bank Debit Card at other Bank ATMs within / outside India or at a merchant outlet outside India, and the transaction gets declined due to insufficient funds, the chargesof Rs. 25 per transaction (plus GST) are levied. As per our records, such declined transaction was attempted on August 26, 2020 for which these charges of Rs29.30 were levied to you on August 29, 2020.
Existing Issue with HDFC Bank : Upon analysing the above scenario, I have found the exact issue.
Exact Issue : I have tried to Withdraw money from Non - HDFC ATM but Transaction declined due to Lack of Money in ATM Machine. But HDFC Bank Softwares assumes that Transaction Declined due to Insufficient Funds. This shows clearly that HDFC software is not tested properly.
This is unfair/illegal to charge a customer for Insufficient Funds in other bank ATM machine.
I want HDFC Bank to Refund all the money to all the customers, which HDFC Bank has collected through the application bug.
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