HDFC Bank — Closure of Account no. [protected]

With reference to above, I would like to draw your kind attention to the following points:


1) I have opened the above mentioned account during November 2007 and this
account was loan against NSCs. My final NSCs had matured on 30/6/2009 and I have received one letter from HDFC Bank stating that the limit on this account is no more and if you want to maintain this account in future, you will be charged a monthly charges of Rs. 500/- for maintaining this account.

2) As such, I requested over telephone to close this account, but I was told that you
can visit any of our nearest branch and handover the application, your account will be closed and you will be handed over the proceeds. I visited their NIT, Faridabad Branch on 13/07/2009 and handed over the application along-with unused cheque leaves and Debit Card (Cut in four pieces), but I came to know that your account can be closed at Saket, New Delhi Branch only. I enquired about the balance lying in my account and I was helped by the Branch Manager there and I was told to withdraw the entire amount by using a cheque leaf. I enquired that if there will be any charges for closing this account, I was intimated that your account is more than one year old, and there will be no service charges. As such, I withdraw the entire amount from my account.

3) After a gap of about 8 days, I enquired again on their telephone banking helpline
[protected], I was given an ambiguous reply that you will be contacted over your mobile number registered with us within 48 hours of your complaint, but they have not tried to contact me. After this every day I enquired with them regarding closure of my account and every time the person sitting there was unable to solve the problem, and every time they have given ambiguous reply.








4) Lastly on 29/07/2009, I was told that there is a debit balance in your account due to some service charges applied by the Bank. Still I told them to transfer the amount online from another account [protected] so that my account can be closed and the amount of Rs. 25.05 was transferred online on 30/07/2009 form my account no. [protected] to my account no. [protected].

5) On 31/07/2009 I have received one envelope from HDFC, Saket Branch, New
Delhi which contained the original application with the remarks “Account is in Debit balance, hence can not be closed” after a gap of 18 days after hearing some harsh language from me that I will lodge a complain with your Head Office and Banking Ombudsman if you will not close the account immediately.

6) Today when I enquired once again over their telephone banking no.[protected], they have again came out with one more excuse that there was debit balance in your account due to credit card bill payment through this account. When I told them that I had neither applied for the credit card nor I have been given any credit card linked to this account.

Every time they have given ambiguous reply and have harassed me, which has effected me mentally. In view of the above, I request you to kindly take suitable action with the concerned authorities and get my account closed immediately. Their services have deteriorated during last few years and their behavior towards customer is not friendly by any means. I further request your good-self to give instructions to them to compensate me for the mental agony/ harassment done by them for the last 20 days.

Awaiting an early reply.

Thanking you.

Yours faithfully,


Rajiva Raman
Flat No. 20B,
Leisure Valley Apartment Society (Regd.),
Sectro -46,
Faridabad – 121 001
HARYANA