[Resolved] HDFC Bank — hdfc bank hdfc bank ach debit return charges

S.V.B.Ashok Kumar

Address:

Chennai, Tamil Nadu

Hi -

I have a salary account with hdfc bank and the customer id is 63459594

I have linked my LIC payment to my hdfc to deduct amount via ecs, every 7th midnight but bank/loan institute has not debited my account on the said date/time.

So i have paid the LIC due amount through online on March 9, 2020. But hdfc bank has deducted rs. 590.00 in the above deductions, i not even received any intimation via call/email/sms from the bank before deductions.

Request you to consider my complaint and help me to get my money back and also to avoid further deductions in my account. Thank you.

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Apr 23, 2020

Complaint marked as Resolved

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

Verified Support

Mar 23, 2020

HDFC Bank Customer Care's response Dear Customer,

In terms of Clearing guidelines, issued by RBI, the clear fund's balance available in the account at the beginning of the day would be considered for the purpose of Cheque(s) received in the clearing. We note that in your said account, the clear fund's balance at the time of presentation of the said Cheque(s), was not sufficient to cover the Cheque(s) received in the clearing.

Therefore the cheque was returned due to insufficient funds and the corresponding charges for Cheque(s) dishonor were levied to your account. Kindly note that these charges attract GST as applicable.

We advise you to maintain sufficient clear funds balance in the account in the future, at the time of issuance of the cheque, to avoid the Cheque return charges being levied to your account.

Please feel free to write to us using given URL further assistance: https://cutt.ly/utvzd88 Please mention reference number TT[protected] for us to promptly respond to you via e-mail.

-Nadia
HDFC Bank Customer Assistance