[Resolved] HDFC Bank — ach return charges

Srithick

Address:	Mumbai City, Maharashtra, 400097
Website:	www.consumercomplaints.in/new_complaint

Hi -

I have a salary account with hdfc bank and the customer id is 37576279

I have linked my home loan to my sbi to deduct amount via ecs, every 10th midnight but bank/loan institute has not debited my account on the said date/time and i haven't noticed that used the amount for some other thinking that the ecs was executed.

So i have paid the loan amount. But hdfc bank has deducted rs. 590 in the above deductions, i not even received any intimation via call/email/sms from the bank before deductions.

Request you to consider my complaint and help me to get my money back and also to avoid further deductions in my account. Thank you.

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Jul 27, 2018

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Jun 25, 2018

HDFC Bank Customer Care's response Dear Customer,

In terms of Clearing guidelines, issued by RBI, the clear funds balance available in the account at the beginning of the day would be considered for the purpose of ACH / ECS(s) received in clearing. We note that in your said account, the clear funds balance at the time of presentation of the said ACH / ECS(s), was not sufficient to cover the ACH / ECS(s) received in clearing. Therefore the ACH / ECS(s) was returned due to insufficient funds and the corresponding charges for ACH / ECS(s) dishonour were levied to your account. Kindly note that these charges attract GST as applicable. We advise you to maintain sufficient clear funds balance in the account in the future, at the time of issuance of the ACH / ECS(s), to avoid the ACH / ECS(s) return charges being levied to your account. Please visit the URL below to know the fees and charges applicable to your account: https://goo.gl/yPrNfA

-Anay
HDFC Bank Customer Assistance