[Resolved]  HDFC Bank — Amount debited to my son's account for not maintaining minimum balance

Address:

New Delhi, Delhi

My Son Raghav Chadha having an account in your HDFC Bank Meharuli, New Delhi-110030 branch had opened an account on 27/3/2014 having an account number as-[protected]-customer id 54254978. He was a student of 12th standard at the time of opening the accounts and even now is a college student. I Naresh Chadha also have an account in the above branch since last five years and since its a new branch, there is continuous effort by your branch staff to open as many as accounts as they can. As mentioned above my son is student had opened accounts by depositing Rs 11000/- as an amount asked by the bank. But to our surprise his accounts have been debited Rs 3810 approx since last almost one year for not maintaining the AMB. In this regard I wish to mention that while opening the accounts, we were not given any such advice of maintaining the minimum balance and since I also hold an account in the bank since last five years, it was told that the same shall be clubbed with my accounts which falls in the Classic Customer Category. But despite of this his account has been debited continuously which went unnoticed at our end. When I asked them as to why it has happened, they all started cutting sorry figure now. I wish to ask you that how do you expect a student to maintain the minimum balance in his accounts whereas he is non-working. At the time of filling the form there is column which asks about the profession and it was categorically mentioned that he is student. Moreover accounts are opened in the banks for saving the money and not for losing the money like this. Moreover when it had been clubbed with my account then why the money is being debited like this. I have ran from pillar to post and only getting the false promises by the Relationship Manager to roll back all the debited amount but nothing is done so far. Every time on asking them the status, I am told that the matter is under process and shall take indefinite time. I am approaching you now with the request that the total amount debited Rs 3819 approx. in my son's account be reversed immediately and no amount should be debited to his account in future else I shall be left with no other option but to close all the three accounts I am holding and shall also break the Fix Deposit done recently for Rs 2 Lacs. I will also see as how to recover this debited amount by approaching the consumer court. HDFC Bank is not the only bank for opening accounts and there are many other banks available for opening accounts who are giving equally good services and facilities and there no dearth of banks. On the one hand our Govt is encouraging people to open accounts in the bank and on the other hand if you debit like this the hard earned money of their parents is not all accepted. I hope you will not give me any such opportunity to take any such step and shall come to my rescue immediately by instructing the branch to do the needful. Awaiting for a quick response in this regards, Thanks, Naresh Chadha [protected]