[Resolved]  HDFC Bank — please refund my amb and ach debit return charges

Address: New Delhi

Hello
I have a saving account in your bank account no. [protected] in the name of Shivani Sethi. I have checked my account statement, you have been charged lots of charges from my account. Why you charged?I have started a SIP in mutual funds, but i did not maintain sufficient balance in last two months. I have been charged ACH Debit Return Charges of Rs 590/- in July 2020.
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.
RBI guidance 3 months relief COVID 19 and this really rubbish bank, my situation is very low till time and i am not pay these charges.
And Also you have been charged AMB debit return charges of Rs 354 for July 2020 and Rs 531 for August 2020. I will not pay these all charges. Please refund these all charges.My situation is very low, i can not maintain minimum balance Rs 10, 000/-.
HDFC bank has to return this money. There was no intimation from the bank on the consequences of not keeping sufficient balance in account.

Please help me resolve this. People are losing trust in public banks and these banks also. Although it does not make a difference to HDFC bank for sure, but i will close my account if it not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me on the charges for the same. Heights of fraud.
Please please help me resolve this and return my money.

Thanks
Shivani Sethi
[protected]