HDFC Bank — Extra charges held by HDFC bank

I am the customer of HDFC bank... Due to lockdown we all are facing financial issues but in this pandamic time HDFC bank always charged extra charges to the customer and this extra charges is held in account which is showing minuse balance. Bank automatically deducted the amount whenever any amount is credited. This extra charges forcefully deducted to the account.
In my account lying some charges like gefu and hold amount etc.