HDFC Bank — Non maintenance charges and not responding for account closure

Address: Hdfc bank, Jayabhery enclave, Hyderabad

I need to permanently close my account. I opened this as a salary account in June 2018. But I switched my organization and created new account there. My hdfc account has been inactive for almost an year. I logged in now and I see negative balance approx 5000.

I did not received any email/sms/call that my salary account will get converted to normal account and I will be charged for non maintenance and to an extent that my balance will go negative.

After that I have been following up with customer service through mail and calls for account closure but I could not get proper response. I visited branch for closing account but they mentioned there is credit card linked to my account and can not close my account.

Seems credit card they issue is managed not by themselves and other team manages credit card is not responsive to my queries. Totally disappointed and frustrated with service of this bank. They charge Money for non maintenance which is against RBI guidelines. Also they issue credit cards without customer consent.