[Resolved] HDFC Bank — Sudden Closure of Current A/c
This is to inform you about the sudden closure of my current account (#) on 24th January, which was linked to my savings/salary account #.
Since the weekend of 26th January, I had stopped seeing the current account in the Accounts list on the Net Banking menu. I did not react to this for a period of 3 days, under the impression that this was due to a major server upgrade that was scheduled at your end during the weekend. Finally, on 31st Jan I wrote an email to your support center demanding an explanation for the disappearance of my account. The reply on the next day said that my identity could not be verified, although this is the same email address that is registered with you. On the same day, I posted the same query through net banking (ref. P[protected].
On the evening of 2nd February, I received a statement for the closed account mentioning that the account had been closed due to ‘Amount due from you + Penal Int’. On receiving this, I called Phone-Banking to enquire about the same. Since the phone-banker couldn’t resolve the issue, I demanded to escalate the call to a supervisor. The supervisor registered the complaint & assured of a reply by 3pm on Monday. After my call was made, an email was dropped by Silvy Abraham from your branch at the registered ID informing me about the closure. At 6 pm on Monday, the 4th, the supervisor (Ms. Meghna) told me that someone from the branch would be speaking to me this evening; but no one called.
I am extremely disappointed by all this & request you to please consider the following facts:
1. Failure to reverse ATM Charges
The ATM card had been used at another bank’s ATM sometime during September or October due to which a charge of Rs.28 was made. Despite of the allowance of 10 free transactions at any bank’s ATM every month, this charge was not reversed for 3 months. Following this, interest was capitalized on this amount for 3 consequent months.
2. Expected inflow of cash in the closed account
I was expecting a re-imbursement from my employer, M/s Larsen & Toubro Infotech Ltd., towards the end of January after a 4 month long procedure. Due to this sudden closure, I am going to have to face inconvenience to have this amount credited back to my account.
3. Lack of customer concern
Since this account was linked to a salary account and under a corporate scheme; the bank should have shown some concern by communicating about the closure. I wouldn’t have hesitated to transfer Rs.30 from my salary account to avoid any further chaos. Such unprofessional behavior wasn’t expected from the bank with repute.
4. Repeated issues with the bank
I had filled the form for this account on 19th July, 2007 and my account wasn’t processed for the next 45 days. Moreover, I was made to re-fill a form towards the end of August. Due to this, there was a delay in receipt of my first salary, an event which has unspoken importance. Though I had not escalated the issue at that time, I now believe that I should have.
Despite of having an option to open my account with another leading bank, I chose HDFC Bank due to its trusted brand image. But I am sorry to inform you that over the last six months, I have received great disappointment from the services offered.
I hereby request you to look into the matter & re-open my current a/c retaining the a/c no. as I am expecting some more payments to that account. Also ensure that any transactions that failed due to this closure are completed as soon as possible. Please resolve the matter at the earliest.
Complaint marked as Resolved Aug 13, 2020