[Resolved] HDFC Bank — close my negative balance amount in hdfc

candy8789

from Vijayawada, Andhra Pradesh

Address:

520007

Hi, i have salary account in hdfc 3 years back when i was working at that time. I have resign my job. But my hdfc exsisted old salary account showing -10000 balance.
The bank converts my salary account converted into savings account & charged monthly.. Now its 10000 negative balance. Without my permission how can the bank convert my salary account into savings account? Even they are not intimated verbally... According to rbi guidlines on savings account banks not charge even its negative balance.

Plz juistice to me. 10000 is huge amount to me. What is the solution?
How can i close the account plz suggest me. Im not working in present i cant bare 10000 plz suggest me.

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Mar 24, 2019

Complaint marked as Resolved

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

Verified Support

Feb 18, 2019

HDFC Bank Customer Care's response Dear Customer,

We wish to inform you that as per the terms and conditions applicable for salary account holders, if salary is not credited into the account for 3 consecutive months, the account will be converted from a zero balance salary account to a regular savings account. The special facilities offered on the Salary Account is pursuant to the arrangement between the employer / company and the Bank. These benefits are extended by virtue of your employment in the organization, on whose request the account is opened with the bank and subject to regular salary credit. We had observed that there were no salary credits in your account and under these circumstances the special benefits offered under the Corporate Salary Program were withdrawn. Hence, the requisite Average Monthly Balance of Rs. 10000.00 will need to be maintained in your account. In the absence of the same the applicable AMB non-maintenance charges will be levied in your account. In the event of no salary credits in the Salary Account for any continuous three months, the Bank reserves the right to change the status of Salary Account to Savings Regular Account without any intimation to the account holder/me and the Terms & Conditions as applicable to the HDFC Bank Savings Regular Account shall apply to this account from the date of change of status. The Terms & Conditions and features applicable to Savings Regular Account are published on the website of the Bank. Please visit the URL below to know the fees and charges applicable to your account: https://goo.gl/NbkVam In case of change in employment, you can continue with the same account provided the new employer has an arrangement with the bank for the corporate salary account program. In case an arrangement exists, request you to visit the nearest branch along with your latest employment details for updation to continue with the existing account. We trust your issue has been resolved to your satisfaction. Please feel free to speak to our Branch Manager Mr. Kishore Mangu on Kishore Mangu or write to him at Kishore.[protected]@hdfcbank.com for any further clarification or assistance.

-Nadia
HDFC Bank Customer Assistance

Verified Support

Feb 20, 2019

HDFC Bank Customer Care's response Dear Customer,

We understand that our branch official Mr. Pritesh Jhawar has contacted you and requested you to visit the nearest branch and submit account closure request. Meanwhile, our branch has process waiver of pending charges. Please visit the below URL in order to locate the nearest branch: https://bit.ly/2Hqff0y

-Zubin
HDFC Bank Customer Assistance