[Resolved]  HDFC Bank — incorrect amount deduction and now not refunding in the name of gst

Address:	Pune, Maharashtra, 411014
Website:	www.hdfcbank.com

Hello
I am having a Corporate Salary Account with HDFC Bank over 5 years at Kharadi Branch, Pune. My name is Tanumoy Ghosh and my registered email id with HDFC is [protected]@ymail.com.
HDFC Bank has incorrectly debited Rs. 885 from my account and after several follow-ups they have reversed partial amount i.e. Rs. 750 back to my account. On further enquiring I have been told that rest of the amount i.e. Rs (885 – 750) = Rs. 135 is deducted for GST and already paid to the Government, hence they won’t be reversing that amount.
My concern is that HDFC have made an incorrect deduction on my hard earned money and how the money being invested / used are solely internal to them but why shall I be liable to bear the amount being a customer when the mistake is from HDFC side, if someone needs to bear it then it should be by HDFC Bank itself as they made the mistake not me but it has been put on me being a customer.
I have tried to reach HDFC from every possible channels right from their Support Team to MD, but none of them turned out to be helpful yet to resolve the matter entirely. Hence I am putting it over here, so that people become aware how HDFC is dealing with people’s money being one of the top rated bank in Corporate Sector.
Below are the date-wise happenings:
19th September, 2017: I have got a recorded call claimed to be HDFC Bank and the number seems to be from Chennai which says that my existing debit card ending need to be blocked as the card details are detected for a security risk and HDFC Bank will re-issue a same category Debit Card without any charge. I took it serious as the call took full 16 digits of my debit card correctly.
I have addressed this to HDFC Customer Support over email ([protected]@hdfcbank.com) to verify whether the call was real or fake.

20th September, 2017: I called Phonebanker explaining the recorded call that I have received on 19th September, he checked and confirmed me that my card is at potential risk and need to be blocked, on the same call itself I get the card blocked and get a request raised for a new card.
Then I have received an email from Riskcontrol.[protected]@hdfcbank.com confirming that the existing card is blocked and they would re-issue a new card.

27th September, 2017: I have received a response from [protected]@hdfcbank.com vide reference number[protected] confirming that the recorded call on 19th Sept on which I enquired was the case from HDFC Bank, so that was a re-assurance to me that it was a real initiative from HDFC Bank only.

5th October, 2017: I have been charged with Rs. 885 with Narration: "DEBIT CARD ISSUANCE FEE”.
I have called HDFC Phonebanker and raised a complaint regarding the incorrect amount deduction as for agreeing on re-issuance of new debit card I have been earlier told that it’s a HDFC Bank Security initiative and it won’t attract any charges.
I took it to twitter to @HDFCBank_Cares and they have asked me to email them the details at [protected]@hdfcbank.com with Ref No. TW[protected], I did the same but unfortunately no response received till today after repeated follow-ups.

12th October, 2017: I waited for a week but received no communication from HDFC inspite of calling Phonebanker and mailing to them as instructed to me in Twitter.
Then, I have dropped an email to my Customer Relationship Manager Ms. Anjana Jha (anjana.[protected]@hdfcbank.com) and got the partial amount Rs. 750 refunded to my account on 16th October, 2017.
On enquiring about why the additional Rs. 135 not refunded I got a call from Kharadi Branch Person named Priyanka and she informed me that it has been charged as GST and cannot be refunded. My case was registered vide number #PUNC[protected].
Till date when I ask Anjana for an update, I got to know that either they are not getting any reply from Kharadi Branch or they are still awaiting for approval from Kharadi Branch and this way a month has passed since the incorrect deduction been made from my account.
I have also called to the Risk Control Team of HDFC Bank (+91 044 –[protected] that my Branch has deducted money for the new debit card which is not aligned with what they said me initially while requesting me to take a new debit card. They told me that they used to send instructions to the corresponding branches, but at times the branches do mistakes and for that I need to take it up with Branch and they won’t be interfering in it.

21st October, 2017: I realised that it might need a push from higher management to prioritise the matter to Kharadi Branch.
Hence, I filled up a Grievance Redressal Form - Savings Account in HDFC site briefing the matter and received an automated response from Grievance.[protected]@hdfcbank.com vide reference number[protected] that it will be responded in 2 working days but nothing received as of yet.
At the same time, I took the MD’s Mail ID from HDFC site and mailed at [protected]@hdfcbank.com regarding the matter and again no response.
I have followed up on both the Grievance as well as MD’s mail if I get a response on that.

My Customer Relationship Manager, Ms. Anjana Jha has clearly instructed to revert the GST amount i.e. Rs. 135 but don’t know what Kharadi Branch is doing from so long and even not giving me a clear update on my matter.
Regards
Tanumoy Ghosh