[Resolved]  HDFC Bank — Bank Charges

I Have a Saving bank account with HDFC a/c no. is[protected] . The account was opened with zero balance On 31st october & 31st December , my account was debited by bank by Rs. 825 penalty for not maintaining average balance . I am running the account for last 10 years , this problem was arose . When contacted to bank , they said that my account have been converted into saving account by sending an email . Can A Bank do so ? Is Email be treated full source of communication in financial matters ? Should Bank send a registered letter before doing so ?

Dear Mr Agarwal,

At the outset, please accept our apologies for the inconvenience caused to you.

We have observed that there has been no salary credit in this particular account, and accordingly withdrew the special benefits (like Zero balance account, Free International Debit Card and Free Demand Drafts at HDFC Bank locations) enjoyed under the Corporate Salary Program. We also sent you official communication regarding this change.

We would like to bring to your notice that your account has been designated as a Savings Regular Account. You will therefore need to maintain a minimum average quarterly balance (AQB) of Rs. 10, 000. All the terms and conditions governing the Savings Regular account will also apply to your account.

In the event of non-maintenance of AQB, a charge of Rs.750/- per quarter (exclusive of education cess & service tax) will be levied.

Please visit the following URL for the charges applicable for transactions on the Savings account in case the Average Quarterly Balance (AQB) has not been maintained in the previous quarter:

http://www.hdfcbank.com/personal/accounts/regular_acc_fees.htm

For further assistance in this regard, we request you to get in touch with the branch where you opened your account with us.


Regards, Customer Assistance, HDFC Bank

If the problem doesn't gets resolved, you should contact RBI and the company will be forced to take action:

Here is the link, go to complaint form:

http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

Share this with other victims as well and spread consumer awareness.

Dear Sir / Madam,
This is to inform you that I have a saving a/c no. [protected] in HDFC Bank, Charkop Branch, Kandivali (W), Mumbai. There is a SALARY a/c as well as zero balance but the bank has been debit Rs. 393.26/- as AMB charges for Dec 2012. The bank said that this is not salary a/c from last one year but no any letter or intimation to me for operate regular saving account.

So you are requested to refund my Rs. 393.26/- immediately.

Thanks

Vijay Jain
[protected]

Dear Sir / Madam,
This is to inform you that I have a saving a/c no. [protected] in HDFC Bank, Charkop Branch, Kandivali (W), Mumbai. There is a SALARY a/c as well as zero balance but the bank has been debit Rs. 393.26/- as AMB charges for Dec 2012. The bank said that this is not salary a/c from last one year but no any letter or intimation to me for operate regular saving account.

So you are requested to refund my Rs. 393.26/- immediately.

Thanks

Vijay Jain
[protected]

I have a salary account no. [protected] and one Loan account no.[protected]. Due to some company decision salary not transferred in this account for a long time. Now i am going to use this account and transfer a sum of Rs. 600/- in this account but bank has debited bank charges without any prior intimation which is very wrong practice. i request you to kindly reverse this amount and credit a sum of Rs. 600/- otherwise i will esclate this issue on higher level. I hope bank will consider my this request and credit the same so that i can continue my both account with HDFC.

Thanks

Dharambir Singh Yadav
[protected]

Dear Sir,

I am Salary Account holder in HDFC Bank last 03 years. i am deposite my salary Rs.4000/- as on 04.07.2013 after that bank deduct bank charge with out information then i am talk to bank representatives he told me that your account convert savings account because your last 03 month no deposited salary in account. then i answer this person my salary not directly deposits my companey in my account last 03 years.and next bank charges cause platinum debit card issue my account but i have no received any card or no any apply platinum card.Total Deduction ammount Rs.2700/-
please look this matter
My account No-[protected]
My Mobile No--[protected]

Regards,
Rakesh.

Dear Sir,

i am salary account holder in HDFC bank last 03 years.i deposits my salary Rs.4000/- as on 04.07.2013 after that bank was deduct bank charges total Rs.-2700/- with out any information. than i talk to bank represented he told that you account convert savings account because last 03 months salary not deposite your account then i answer this person last 03 years my salary not deposit directly from my company to my bank account.and other cause platinum card issue my account but till date i have no received any platinum card or any apply for platinum card.please look this matter.
My account No-[protected]
My Mobile No-[protected]

Regards,
Rakes Mishra