[Resolved]  HDFC Bank — mab charges against the rbi rule

Address:Aurangabad, Maharashtra, 431001
Website:www.hdfcbank.com

I've a salary account with hdfc bank which is converted into saving account in jan - 2017, but without informed me they charged me amb charges. Afterwards i am not able to maintains min balance due to my financial crises.

When i want to renew this account i check my balance through net banking that time shown 1700/- negative balance. I think this amount is ok for me so, i've transferred 7000/- on 6th sept. 2018 they deducted with amount of rs. 5278/- how this happened i doesn't understand???

When i checked the rbi guideline "the rbi has asked banks to stop imposing charges for non-maintenance of minimum balance once the balance in a savings account touches zero.

Attached conversation email for your information & reference.

Please help me out to reverse my amount..
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Dec 2, 2018
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Oct 31, 2018
HDFC Bank Customer Care's response
Dear Customer,

In the event of no salary credits in the Salary Account for any continuous three months, the Bank reserves the right to change the status of Salary Account to Savings Regular Account without any intimation to the account holder/me and the Terms & Conditions as applicable to the HDFC Bank Savings Regular Account shall apply to this account from the date of change of status. The Terms & Conditions and features applicable to Savings Regular Account are published on the website of the Bank. Please visit: https://bit.ly/2OXO2t8 (For Terms & Conditions) https://bit.ly/2hwphoj (On charges applicable for the Regular Savings Account) Please feel free to write to us at [protected]@hdfcbank.com for any further assistance/clarification and we shall be glad to assist you.

-Manoj
HDFC Bank Customer Assistance
Oct 31, 2018
Updated by Mangesh Dhurve
Please clear my two questions :
1. Is their applicable law to ''banks to stop imposing charges for non-maintenance of minimum balance once the balance in a savings account touches zero". as per RBI guideline???
2. Why my account balance is shown -1700/- (negative balance Rs. 1700) not exact amount i.e. -5300/- when I'd transferred 7000/- then deduction is made & statement generated afterward???

Please let me clarify in about points.
Nov 06, 2018
Updated by Mangesh Dhurve
Waiting for your reply...

Please clarify of my two questions:

1. Is their any guideline from RBI ''banks to stop imposing charges for non-maintenance of minimum balance once the balance in a savings account touches zero"???
2. Why my account balance is shown -1700/- (negative balance Rs. 1700) not exact amount i.e. -5300/- when I've transferred 7000/- then deduction is made & statement generated afterward???

Please guide me where i book complaint against the bank if this question is not addressed??
Nov 15, 2018
Updated by Mangesh Dhurve
Still waiting for your response...

I think HDFC bank don't have any answer of my question or no value of their customer satisfaction.
Complaint comments 

Comments

Mob. [protected] ac no is [protected] Mange Ram credit card last 4 no is 2662 payment charge is 406.88 is wrong Sir please sold it
I have no due on my card ending 9768. But a ghostly INR 100 has been added to my bill for Smartpay (which is not working) and additional GST of INR 160 has been added to that. Please resolve the issue at earliest
Have no way of contacting the HDFC to inform my credit card deliver is unsuccessful. Website also not workind. The most idiotic and nonsense structure for customer support I have ever encountered. They want to save money by artificial intelligence when their website is sucking like anything.
Hdfc bank shirpur branch manager refuse to withdraw my money upto 2 lakh from my saving account.
He say me from note bandhi cash withdrawal limit is only 1 lakh from once in a month.
patilbhushan007's reply, Oct 25, 2018
Shirur dhule maharashtra hdfc bank

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