[Resolved]  HDFC Bank — ECS DR and EMI Return Charges of 2861.74 in one month

Address:Bangalore, Karnataka

Hi Sir, I have a salary account with HDFC Bank from May, 2012 and the account number is # [protected]. I have taken a 2 Wheeler Loan from HDFC of 73, 000 for 36 months tenure. The EMI is 2769 RS and deduction date is 5th of every month. I also have the CITI Bank personal loan of 1 Lakh for 36 months tenure. The EMI is 3516 RS and deduction date is 1st of every month. Unfortunately I have not maintained the balance for the month November, 2014 so I paid the HDFC EMI by cash on 28th November, 2014. ( Attached the payment slip). The bank has deducted several charges and the balance went to -1330.87. Following are the total deductions on my account: Balance moved to negative = 1330.87 ECS DR Return Charges ( 4/12/2014) = 137.61 ECS DR Return Charges ( 4/12/2014) = 393.26 3RD Party Cash TXN INC ST & EC ( 2/12/2014) = 94.91 EMI Return Charges (2/12/2014) = 200.00 ECS DR Return Charges ( 2/12/2014) = 705.71 [protected][protected][protected][protected] Total Deductions = 2861.74. In all the above deductions, I not even received any intimation via call/email/sms from the bank before deductions. I attached the screen shot of statement and the negative balance message which I received from the bank. Request you to consider my complaint and help me to get my money back and also to avoid further deductions in my account. Thank You. Prasad +91-[protected]
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Aug 14, 2020
Complaint marked as Resolved 
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HDFC Bank is always creating issues by not following RBI Rules.
I'm also faced same torture from HDFC Bank.
Dear Prasad,

Apologies for the inconvenience caused. Request you to write to [protected]@hdfcbank.com along with your account and contact details, details of the charges and ref ID-TTU[protected] in the subject line. Will take it up on priority.

- Bejoy
HDFC Bank Customer Assistance
ECS DR Return charges - What it exactly mean? and how many times did you guys deduct per month, In the current month deducted twice that is 400 rs and 858 rs. Which kind of service your bank providing? Please get back to me regarding this...
Ya, I have also faced a lot of problem with the HDFC bank. I think all of the people who are having problem with HDFC bank have to do something about this. If somebody is with me contact me and shall plan accordingly to do something about this.
Dear Sir,
I have also faced as above mentioned statement (1).ECS DR Return charges no: 050916 deducted Amount Rs.385.80 (2) ECS DR Return charges no 080916 deducted Amount Rs.862.50.
Subject :My savings bank account no :[protected].
Every month my EMI of Rs.1773.00 deducted from Bajaj finserve ECS mode, In the month of September by oversight i couldn't able to maintain the said amount due to that reason it was bounced back and immediatly i called Bajaj finserve person to collect EMI amount by cash and he came and collect and i had paid Rs.385.00 bounce charges.
Again when i have seen in my HDFC bank statement it has been showing -1756.30 (negetive figer) and i was surprised )
I want to know with out giving intimation or notice how come HDFC bank will deduct this much of amount and i need information on this and if it is un ethical it should be credited to my account immediatly or other wise i have to opt for some other ways for justice...Is this bank is following RBI rules..!!

Thanks & Best Regards
Shylendra
[protected]
Hello,

I have a personal loan of EMI Rs 9654/- every month. And my payment due date for this EMI is 04th of every month. Due to some financial issues, i could not maintain EMI amount of 9654/- in my account for the month of April, 2016. I have paid my due amount on 13th of April, 2016. Before that, my account got debited three times with amount Rs 346/-, 400.75/- and 54.75/- with narration "ECS DR Return charges 040416". And on 21/10/2016, HDFC bank debited Rs. 688/- from my account saying that "2110 OVERDUE LOAN[protected] RECOVERED". When i called HDFC Customer care, they said that this is the overdue amount i need to pay for late payment of my EMI in the month of April. And they did not answer properly for the amount they debited in the month of April.

Please advice me on this issue.

Regards,
Chandrasekhar Dandi
+91-[protected]
Yes even I'm faint this problem since 4 months. It's getting deducted every month. Please get back to me on [protected]-Punith
HDFC is no doubt the worst bank in india. Atm machines never work. They have no gutts to reply to support emails. I would never ever recommend this bank to anyone. They will fool you day in and day out they will not disclose in the beginning and will rush up to get your signatures asap and then will fool you throught. WORST BANK EVER!
Hi,

This is Nishant Pandey, and I would agree with all above comments, this Bank is a Thug, Robber with a tag of Bank on it they are the worst Bank I have Ever come across, These LOOTS have taken Rs.11500/- from me replying the reason being ECS return charges and now the worst part is they are not even stopping the ECS, as if they are going to loose the reason of making money out of our HARDEN EARNED,

All you guys I would say, join my hands and destroy this Bank, I am sure we live in a republic country and these bank cannot run their shop like this, RBI should take steps against these MODERN ERA GOONS,

I have plans to take these issues to Media houses now, all you guys can follow me on twitter hopefully we will get our HARDEN EARNED MONEY back from these Financial Terrorists called HDFC bank.

Add more if you have more points and don't let these GOONS sleep with our money.

regards,
Nishant Pandey

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