Sub: Extra Charges levied on my account without any cause from Axis Bank.
Dear Sir,
Myself, Dipak Kumar Mohapatra, Resident of N5/466, IRC Village, Bhubaneswar, bearing a Savings Account No: [protected], with AXIS Bank, Bhubaneswar Main Branch, Satya Nagar, Bhubaneswar.
I have been transacting honestly with the Branch since last two years. I have never dishonored any cheques, neither violated any banking norms.
I never get the Bank statements during the year though I have served them with my proper residential address. I had applied for the Bank Statement a few days earlier and was terribly surprised to find that Bank has charged few thousands time and again without my knowledge from my account. When I inquired about the charges to the Bank officials, they had tried to explain that these are charges for not maintaining minimum Balance in my account. Though, the fact is that I have always maintained average quarterly Balance in my account as I had been asked to do while opening the account. I have understood from some bank officials that the charges been deducted from my accounts so called as consolidated charges should not have been made and unjustified.
Moreover, I have availed a personal loan of Rupees one lakh twenty-five thousand from the Bank since last one and half years and not a single moth I have defaulted their payment. I have personally inquired with the bank officials who had also advised me that since I have availed a personal loan from their Bank and opened a savings account since then, I should have got the privileged of opening the NIL balance account.
I have also made a written request to the Bank since last fifteen days, but the Bank Officials have not responded yet.
Therefore, I humbly bring in front of you my prayer to kindly take up the matter in thy court and justify me.
I would be very thankful to you for your kind action.
Thanking You,
Faithfully Yours,
Dipak Kumar Mohapatra
S/O Bhikari Charan Mohapatra
N5/466, IRC Village, Bhubaneswar: 751015
Phone: [protected]
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HDFC Bank — Levied charges on my account without any information
Hi,I am holding an account with HDFC from last 7-8 years now and I have been facing problems every now and then.
I fail to understand, how come it's my money and my account, when the Bank has the right to take money out of my account without any prior consent.
This account has been on and off as a coorporate account but from last 2 years, it's a personal savings account. At that time, I was informed that I am supposed to maintain a total of Rs 5000/- in my account atleast once in 3 months with no wirtten documentation provided to me. This time in april, I checked my statement and found a charge of Rs 827/- on my account. When enquired about the same, I came to know that the charge is because my average in last 3 months is not above Rs 5000/-. Now, first I was never provided any documentation saying that I am supposed to have an average of Rs 5000/- in 3 months. Thus, I was ignorant in this case. Second, how can someone take out money from my account, without asking or informing me. They simply toook the money out as if the account and the money beolngs to their forefathers. Also, what justice is it, that if someone failed to maintain an average of Rs 5000/- in 3 months, the bank would charge the customer around Rs 1000/- approx.
And this is the kind of treatment is given to a person who has been banking with this bank from last 7-8 years now. I fail to understand if HDFC even understands, what customer service is. I spoke to Phone banking but no good response. They have canned response, which they keep on repeating, without even understanding, how it feels to loose money without any prior information and knowledge.
Hope someone somewhere is reading this e-mail and is bothered about good banking.
I can be reached at surender.[protected]@gmail.com
Thanks
Surender Singh