[Resolved]  HDFC Bank — HDFC Bank Negative balance in my account

Address:	Mumbai City, Maharashtra, 400016
Website:	www.hdfcbank.com/personal/customer-centre

My salary account (In hdfc bank) was created in my first company in mumbai, a/c no : [protected].
So once i left the company in 2012 and joined another company in 2014, i had to open another salary account. Now my salary account in hdfc bank has been converted to savings account (Without informing me or warning me). Also, i have not been much in mumbai due to studies and working outside. I had some balance left in my account at that time which was less than rs.10000. Today i logged into my account on 15th may 2017 and i see that i have rs -9000 in my account. I have not received any deduction messages on my registered mobile number which has not changed and i do not check my email id regularly due to number of irrelevant emails from hdfc bank and also it is not my primary used email id.

I had called customer care some time ago and raised a request to close my account as i did not wish to use the account and they did said that they will follow up with the request and close the account. I have not been using my debit card/credit card for long time now. I went to hdfc bank branch to close my account, they handed me a form but asked me to pay penalty charges first.

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 in dormant accounts. You may check this link:

https://rbidocs.rbi.org.in/rdocs/notification/PDFs/MBLRDC201114.PDF

Please waive off the negative balance as i want to close my account as soon as possible.