[Resolved]  Axis Bank — Deduction of my account without a legitimate reason

Address:	225001
Website:	www.axisbank.com

Dear Sir/ma'am,
My 15 digit A/C No. [protected].
My last transaction was on 19/03/2014.
According to terms and conditions service charge and fee 2011 which
was given on leaflet that Average Quarterly Average Balance
Requirement for
1. Metro and urban centres- Rs 5000
2. Semi urban centres- Rs 2500
3. Rural centres Rs 1000
According to best of my knowledge that my bank (which is situated in
BARABANKI, UTTAR PRADESH - 225001) is semi urban centre.
In June 2014, I came in knowledge by passbook entry that my A/c have
0(zero) balance even in negative. So I wrote letter to Bank Manager in
reference to "why my a/c has been 0 balance". Also that letter was
recieved by him. But his reply didn't satisfy me. After that I had
written many letters to him to provide me details of same. But he told
me that charges (which were deducting) are consolidate charges because
balance in account is lesser than min. Quarterly Avg. Balance
Requirement. But I had opened a/c with Rs 3000 and added Rs 2000 more
there after.
It is written in leaflet of CODE OF BANK'S COMMITMENT TO CUSTOMER that
If bank changes its terms and conditions then it will notify by SMS or
by letter. But unfortunately they didn't send me. At that time I was
feeling CHEATED.
My a/c was opened under guardianship of my father because I was under age of 18. And it was opened on 24/12/2011.
Also I had wrote to AXIS BANK several times but their reply didn't satisfy me.
Please let me know what should I do to get back my money. I'll be
highly obliged.
Thanking you
PRAKHAR BHUSHAN MISHRA
Address OPP D.M. RESIDENCE CIVIL LINES BARABANKI UTTAR PRADESH