HDFC Bank — Minus balance

Address:

Surat

This is Nikita Dadhich. I want to intimate you that i had an salary account ([protected]) with hdfc bank as i was working with Sahiba ltd Surat, . i left the job in jul 2021 and there after i withdrawn all the accumulated amount from the account since i will not be receiving any more funds. And now my salary account in hdfc bank has been converted to savings account (Without informing me or warning me). Now when i got to check the account details on 18 Jul, 2022 I see that there is a negative balance of rs -1471.10 in it in a short span. It happend without any notification or sms to me.
This is the case of saving account converted from the salary account.in this situation, the bank must notify me clearly by sms/ email in transparent manner that in the event of the minimum balance not being restored in the account within a month of notice, penal chagres will be applicable.
But i did not receive any kind of notification from the bank so far and they straight forwarded updated negative balance in account summary.
This is really unethical and against RBI guidelines.
Bank has no right whatsoever to do whatever they want without informing the customer.
I will not leave this matter here. I would reach out to banking public advocate and write to RBI about this and then file the case in consumer forum if no action taken.
As per the RBI rule, "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.
Please find the RBI notification for your references : https://rbi.org.in/Scripts/NotificationUser.aspx?Id=9343&Mode=0

Already complaint in this 2 branch noted.
Bhupatwala, Haridwar (nr branch), Ghod dod road, surat, Gujarat (Home branch)

Kindly do assist in providing full resolution and reverse the levied charges against my account.

Thank you.
Nikita Dadhich
[protected]