I opened a digital current account with bank.
You have to deposit min. amt when you open the account itself.
I deposited more to be safe.
Within 20 days they deducted rs. 1000 plus gst charges stating 'Consolidated Charges'.
I deposited 4000 more thinking if they deduct more so my balance can be maintained.
When next day of deduction of charges i went to
a branch near me to ask about charges, bank official said
wait for 7 days to know for what the charges are. (So if I close account after 14 days they can deduct closing account charges).
I waited for 10 days. After 10 days I called to customer care officer and asked about what are the charges for?
He said it is for non-maintenance.
First of all how can they deduct non-maintenance charges even not a month completed of account opening.
Secondly, I had manintained the balance. I had statement in front of me. I said him that I have my statement with me
and I can see the balance is mantained throughly till date. How can you deduct charges for non-maintenance? He still insisted that I didn't maintain the balance so the charges deducted. Imagine you have 5 lacks or 50 lack rupees in bank, you show them the statement and still they don't belive you and say you have zero balance. What will happen to you? Maybe heart attack???!!!
Then, I went to nearest branch and asked to close the account. The bank official said that there will be Rs. 1000 charges to close the account. Current account closing charges are rs.500 as mentioned on the instructions they sent and also on the website. I told her that there's nowhere mentioned that digital current account closing charges are rs.1000 so why do you say this? She kept insisting on rs. 1000 closing charges.
It's been more than 17 days and still they have not closed my account and they deduct charges from my remaining balance for example charges for debit card which was already deducted before. Wrong charges on everything.
And no one is there to tell them anything.
Now do you know what is it like dealing with this bank?
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