Canara Bank — Salaried Account Changed To Savings Account Without My Confirmation

Dear sir,

I, Akhil K. Kumar, worked for a private company on a salary basis from 2017 to 2019 and was relieved from that position in January 2019. After that, I stopped using that salaried account (CANARA BANK) as I already had a savings account with another bank (Indian Bank), At that time, the pandemic prevented anyone or any banks from contacting me. Six to eight months later, an executive called and requested money. I explained that it was my salaried account, which I was not using, and he said they had changed it into a savings account and that I needed to provide some cash. Later, I made an error with a UPI transfer from a friend that was accidentally sent to this account, and they deducted an amount of RS.600 from that account, Now that it's 2022, they have sent me a registered letter stating that I have a loan and must pay the required amount. I called the appropriate bank, and they specified that I must pay the negative balance of Rs. 300 that I made during this tenure in order to pay off the debt. If an account is inactive for a while, they will cancel it, but in this case, they have kept the same in negative balance. According to RBI Regulation, no bank should impose a penalty and, the account should not go negative, and the bank should notify the customer if any other changes have been made in any account. In my case, there was no interaction regarding the same, regarding minimum balance via messages or calls, and now they have accounted the draught indicating if I am unable to pay they will further move to revenue strategy by law. I have also included the same draught that was supplied to me in my regional language malayalam, which makes the same points. I am not willing to pay the specified amount as they have already deducted some amount earlier.

Regards Akhil