[Resolved]  HDFC Bank — freezing of bank account for credit card dues without intimation

This is on behalf of my wife who has an account with HDFC Bank, Mumbai.. She has a credit card of HDC Bank as well. Earlier there were some dispute regarding the amount due on her credit card. We had sent reconciliations of the amount due and numerous letters. We requested the bank to sit across the table to reconcile any differences. But the bank did not respond at all. Meanwhile, her salary bank account has been frozen by the bank without even intimating us and the bank threatens to debit the account for the outstanding dues. The collections head at Andheri E refuses to respond favourably to any efforts from our side to reconcile and unfreeze the account. I am sure the bank does not have any authority to unilateraly decide freezing of the bank account without intimation. Can you help me in this matter and the future course of action. Regards Shriram