[Resolved]  HDFC Bank — -Levying of charges without any notice or Information/Change in terms and conditions without notice or valid reason

Address:

New Delhi, Delhi

Dear Sir, This is in regards to my savings bank account with HDFC BANK, NEW FRIENDS COLONY, NEW DELHI branch with account, in the name of MANSI WADHWA where I am having locker facility of SMALL SIZE with locker no#468 and was also an ex employee of HDFC BANK in the same branch. Every year when I was part of the organization, the charges levied were Rs.1000 annually for the locker facility and on leaving the bank, these were revised to Rs.2000 annually. However on 2 April, contrary to earlier practice, my savings account was debited with RS.5000, which came as a big surprise, as I had got no letter, no intimation, message or email regarding any of such upward revision of charges, and without my consent this amount was debited. On cross checking this with my bank statement, I discovered, that aforesaid amount was relating to locking services for which I was earlier paying less than 50% of the revised amount.. I would like to further add, that I have not even got debit alert message for RS.5000 despite my insta alert facility is activated. This is something which I am not ready to suffer loss at all. I want your intervention and support and get my excess amount refunded I am no longer inclined to continue with such services which are not ethical on service standards. I have approached HDFC BANK NFC branch recently and was confirmed by Branch Operations Manager(BOM), that the charges were revised, however my only submission here is that if any revision of charges happens, there has to have notice, letter or any information to customers but no bank can levy any such unwanted charges without pre information to customer. I have also asked the concerned BOM to show me the relevant details or letters of communication, but was told that she doesn’t have any relevant proofs and also mentioned that these are lengthy procedures to get into detail. She also proposed me to surrender my locker and said only for this APRIL month charges will be levied and for rest amount debited this will be refunded back on pro rata basis to me, However, with reference to FAQ’s stated on the bank website, it is clearly mentioned that if lockers are surrendered during financial year then excess amount debited will not be refunded. I myself is a banker and know how our operations and things work so all those clarification given by the bank representative were of no use to as long as my financial loss is not repaired or reduced. Hence, in a nut shell, I would like to confirm that I will not be responsible for paying the additional charges revised, without my prior knowledge and consent and would request concerned authorities to help me with immediate resolution to this issue and credit my account with excess amount charged on priority basis in order to avoid any further escalation of this matter. Solicit your timely response on this issue so as to take next actions in accordance to the same. Kindly assist me in this regard. I look forward to hearing from your side at the earliest possible. Thanking You Mansi Wadhwa [protected]@gmail.com