[Resolved]  HDFC Bank — MISLEADING THE CONSUMER

Address:

Udupi, Karnataka

Dear Sir, I am Raghavendra L from Byndoor-576214. It is located about 33 km away from kundapura. One day a HDFC bak kundapura branch employee (Sudhakar) came and requested me to open an current a/c. I told it is away from byndoor and i have more transactions because of the western union money transfer agency.
He told that our bank gives some platinum debit card, using that you can withdraw Rs. 1,00,000 per day and there is no extra atm charges for that; bank take about some 500 rupees only per year. He also told that you can withdraw minimum rs 100 several times per day from any atm in your town or anywhere and there is no extra atm charges.

There is no HDFC bank or HDFC bank atm; but he told the no atm charges many times even if i doubt about that and asked about many questions to clear that there is ano atm charges to withdraw money from other bank atm. I thought that bank takes about rs 500 one time to this offer. Mr. Sudhakar also told that any extra hidden charges is taken from your a/c, then we can reverse it, because the manager have the rights to reverse any extra charges. He also told that minimum balace is rs 10000; if you dont maintain that ammount , there is no problem, we can reverse the charges which may taken out from not maintaing average minimum balance.
So i did opened the ac and while taking the atm , i asked the bank empoyer and manager about the atm charges, they also told that no atm charges for withdrawing money (in other bank ATM) using HDFC special atm card given to me.

So i did few work to change western union transactions to HDFC bank current account. But few months later i did see in the a/c statement that money is cut from my a/c for using other bank atm. So i talk with hdfc manager ; then he told that we just said no atm charges, just because normally current account holders use atm very rarely and we never expect more transactions like you done.
Mr. Sudhakar also changed his talk about the atm charges and he told that he never said like that about the no atm charges.
Then the bank manager told that we can reverse the charges but you havce to give a detail letter for that . He also told that in future you did take care atm withdrawals.

So i started to contact western union to change bank to my old vijaya bank for western union transactions. But they did not respond well and it was delayed.

Future the HDFC bank manager told that he removed mr. sudhakar from bank work for misguiding the customers.

I gave the letter this month (November 2012) to HDFC bak manager too reverse the atm charges; but he told that you told me about atm charge reversal in (about) the august month ; so i can only reverse money till the august month transactions.

But he did not told this matter in the august month; so i did continued to use atm.

It seems the bank manager did not know the rules of bank and also misguide the customers alsong with sudhakar, clear example, i lost hdfc bank atm; manager told that give a letter , we will give a new debit card free of cost. He also confirmed his statement. Few days later i went to bank and told that i did see "issue of free debit card only for damaged card, and for lost card they charge some money; then only the manager get aware and called a number of hdfc bank and enquired about the giving new card (for lost card replacement) and then he came to know that there is charges for that. For this proof, the HDFC bank can check the my statement which i given when i dod hot-list my atm card. In that comment , i told that manager said of giving free atm card for lost card. After few days later , the manager phone to hdfc and asked about the atm card charges.

I am a researcher and because of the misguide from hdfc bank, i lost money, time and also effected my research work. The extara money i paid for atm is Rs-500; the atm charges take out is about Rs-700, totally i have morethan rs.1000 loss and my time in changing bank, setting b=net banking a/c; check book charges, etc.
For western uinion tranaction i get low commission like rs-30 like that; for that i go to atm chagres is taking about rs-20 from hdfc bank; and i need to travel with bike(when customer come to our office for western union transactions, i need to go with bike and bring money from atm) , so if they did not reverse money, i did not get any profit for my work. Because, in western income, i need to give two printouts and computer, internet maintenance, etc .

So misguding me and giving lots of problems by wrong statement , i am physically and mentally suffered, so i am expecting that the bank should also give me few lakhs money apart from reversal of atm charges. It also effected greatly for my research work which may worth many lakhs or crore.

The bank manager also using the non sense etc words wile talking.

From:
Raghavendra L
Shanthi Computer Centre
Main Road
Byndoor -576214
Ph: [protected]
[protected]

HDFC bank current ac no: [protected]