HDFC Bank — ECS charge INR 399

Address:

Chennai, Tamil Nadu

My name is Amit K Chauhan. I have an account with HDFC bank (salary account). I have a personal loan with CITI bank, for which I pay EMI through HDFC account. This EMI gets deducted as ECS. The due date of EMI payment is 1st of every month. I always make sure that there are enough balance in my account on 1st of every month. On 1st September, 2015, I received my salary by late evening into my SBI account (currently, salary account is with SBI). Since it was late evening, so I could transfer the premium amount from SBI to HDFC late that day. And this amount got credited into HDFC early morning on 2nd Sep. On the other hand, HDFC bank tried to deduct the EMI twice on 1st sep, 2015 continuously which failed due to insufficient balance. Now as per HDFC policy, if there are two EMI transaction failures, then a charge of INR 399 is imposed on the customer. I was really annoyed of this. I called HDFC customer care and talked to one of their executive (named - Aishwariya Lakshmi), and she raised my complain and forwarded to the concern team, saying chances are less. And yesterday I got a call from HDFC concerned department saying that this fine will not be credited back, and I have to suffer the fine due to insufficient balance in my account. I must say HDFC loan dept are cheaters. You can not have both transaction continuously done, when you find balance is insufficient at that moment. Now they are not responding, saying its my fault. Please some body help me with this!!!