[Resolved]  HDFC Bank — hdfc bank branch vashi sector 17 changed my salary account to saving account without my consent and charge for not maintaining minimum balance

Address:

Mumbai City, Maharashtra, 400081

My salary account (In hdfc bank) was created by nocil ltd company i work at nocil ltd from 01/08/2016 to 30/07/2017, my salary account in hdfc bank branch vashi sector 17 was created with below t&c

This refers to the corporate salary account held with us. As a holder of this account you are entitled to many exclusive benefits such as:
1. Zero balance account
2. Free international debit card
3. Free demand drafts on hdfc bank locations
The terms and conditions of your hdfc bank corporate salary account, amongst others, requires that your salary proceeds are credited to this account on a regular basis.

So once i left the company and joined somewhere else in new place i had to open another salary account as new company was customer with some other bank. Now my salary account in hdfc bank has been converted to savings account (Without my consent and without informing me).
While leaving the old company i had called customer care and raised a request to close my account as i did not want to use the account and they did say that they will follow up with the request and close the account. After that i never logged in to my account through net banking and also do not used a debit card. Since december 2017 i started receiving message from hdfc bank that i have charge with 600 rs for not mentioning min balance. I went to hdfc thane east branch and checked my account no, the thana branch person said that i have rs -700 in my account.
I request you to please take action against this hdfc bank vashi sector 17 branch and close my account on priority basis

As per rbi regulations, banks are not allowed to make any customer's balance go in negative solely on charges levied for non-maintaining minimum balance. You may check this link:

https://rbidocs.rbi.org.in/rdocs/notification/PDFs/MBLRDC201114.PDF
https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=1022&Mode=0
https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=30911

According to the rbi notification, banks should not take undue advantage of customer difficulty or inattention. Instead of levying penal charges for non-maintenance of minimum balance in ordinary savings bank accounts, banks should limit services available on such accounts to those available to basic savings bank deposit accounts and restore the services when the balances improve to the minimum required level.

Banks should not levy penal charges for non-maintenance of minimum balances in any inoperative account. Banks should also limit the liability of customers in electronic banking transactions in cases where banks are not able to prove customer negligence, the rbi said.