[Resolved]  HDFC Bank — deduction of annual maintenance charges from bank balance

Address:

Pune, Maharashtra

I had my salary account in hdfc bank (Account number : [protected]). Since i left my company, salary account got converted into saving account. I could not maintain required minimum balance of rs 10, 000 and bank started charging amb charges. Charges went upto rs.8000 and account balance was negative.in january 2019, i raised a complaint on hdfc customer care to request bank to waive off the charges and assured the bank that i will either close my account or will maintain required account balance. After some days, i got an email from hdfc bank saying, "we have removed your hold funds" and made my balance zero. Bank suggested me to close my account permanently. On 21st january, i visited hdfc bank branch near shankar sheth road pune. Meanwhile, i asked one of the staff, 'instead of closing my account permanently can i deposit amount to bank account and maintain required balance and will there be any deduction of previous charges?'. Staff member answered i can operate my bank account by maintaining required balance and there will be n deduction of charges as there is zero balance appearing in my account i. E. No negative balance. Accordingly, i deposited rs.10, 100 on 21st january 2019 to my account. And bank deducted previous charges from that amount and made my account balance rs.3, 377. I requested the authority to reverse my charges but they said that they are not in position to do that and made me visit the bank i went on 21st january 2019 to close my account. I did the same but now they are making me visit one branch to another. According to me and as bank staff suggested me on 21st january 2019, there should be no deduction of such previous charges as bank itself assured me that they have removed my hold funds i. E. Negative balance. Attached herewith is the bank statement and mails received and sent by bank.