[Resolved]  HDFC Bank — Complaint Regarding Uninformed ACH Debit Return Charges

Subject: Complaint Regarding Uninformed ACH Debit Return Charges

Dear HDFC Bank Customer Service,

I am writing to file a complaint regarding an unexpected charge that was deducted from my account without any prior notification. I have been a loyal customer of HDFC Bank for a long time, using my account for frequent transactions. However, yesterday I noticed two charges on my account statement: ₹590 and ₹499.19, both labeled as "ACH debit return charges."

I would like to emphasize that I had not been informed about these charges by the bank beforehand. As a result, I immediately contacted my bank to express my concerns and initiate a resolution process. However, despite raising the issue, no action has been taken so far. This situation has led to a significant loss for me, especially considering my frequent transactions. In fact, just the day before yesterday, I conducted a transaction of ₹7, 000 from the same account.

I kindly request you to thoroughly investigate this matter and resolve the issue promptly. It is essential that HDFC Bank returns the deducted amount to my account. As a customer, I find it extremely disheartening that there was no prior intimation from the bank regarding these charges. This lack of communication erodes trust in public banks and can have a severe impact on their reputation.

While I understand that the resolution of this issue may not significantly affect HDFC Bank, I must inform you that if my funds are not returned, I will be compelled to close my account. As a customer, I expect transparency and fair treatment. If auto-debiting is a service provided by the bank, it is your responsibility to inform customers about the associated charges. The absence of any warning or notification regarding insufficient funds and subsequent charges is concerning and represents a breach of trust.

Please take immediate action to address this matter, rectify the charges, and ensure that such instances do not occur in the future. I trust that HDFC Bank will investigate this complaint seriously and provide a satisfactory resolution to retain my confidence as a valued customer.

Thank you for your attention to this matter. I look forward to a prompt response.

Yours sincerely,
Kanishkar
[Customer ID:[protected]]