HDFC Bank — HDFC Bank hdfc bank ach debit return charges

Have salary account with hdfc bank. I have started with sip in mutual funds.i have maintain sufficient balance however . I have been charged ach debit return charges of 1515, now showing balance -3479/- in Oct 28

I have never been informed . What are these charges for! Why are they so high. It is not a debt i have to pay. It is sip. How can you inculcate habit of regular savings if you penalise so harshly for not having balance.

Hdcf bank has to return this money. There was no intimation from the bank on the consequences of not keeping sip amount in account.

Please help me resolve this. People are losing trust in public banks and now these banks also!!!. Although it doesn't make a difference to hdfc bank for sure, but i will close my account if it is not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me on the charges for the same. Heights of fraud. You must give me a warning that if funds are insufficient you will be charged. Nothing was there.

Please please help me resolve this and return my money.