HDFC Bank — negative balance deducted due to not maintaining minimum balance

ritikajaiswal2

from Mumbai, Maharashtra

Address:

Arsh Apparment, prerna nagar, narsala road, mahalgi nagar, Nagpur, Maharashtra, 440034

Account/customer id: [protected]

My salary account with hdfc was converted to saving account in 2012 but in march 2019 rs 2700 was deducted for not maintaining the minimum balance.

I called customer care they said i hv to pay the amount.

I learned that many customers are harassed like this to pay the amount but they got the refund after they complaint regarding the same.

For credit cards, loans etc they call us so many time but before deducting the the amount there was no call. How is that fair practice. Also, it's been more than 6 yrs my account was converted to saving why deducting the amount now. I want the refund.

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

Verified Support

Jun 25, 2019

HDFC Bank Customer Care's response Dear Customer,

In the event of no salary credits in the Salary Account for any continuous three months, the Bank reserves the right to change the status of Salary Account to Savings Regular Account without any intimation to the account holder/me and the Terms & Conditions as applicable to the HDFC Bank Savings Regular Account shall apply to this account from the date of change of status. The Terms & Conditions and features applicable to Savings Regular Account are published on the website of the Bank. Please visit: https://bit.ly/2JgzzR7 (For Terms & Conditions) https://bit.ly/2D62CbT (On charges applicable for the Regular Savings Account) Please feel free to write to us at [protected]@hdfcbank.com for any further assistance/clarification and we shall be glad to assist you.

-Nadia
HDFC Bank Customer Assistance

Jul 09, 2019

Updated by ritikajaiswal2 Again rs 354 has been deducted even after maintaining the min balance..now tell me what this bank is doing..no notification, no call. Simply harrassing the customer. I will write a complaint letter to rbi stating every detail.