[Resolved]  HDFC Bank — negative balance in my account

Address:Gandhinagar, Gujarat, 382421

Hello,

My name is sumit chakraborty. I have a savings account with hdfc. However, i was unable to maintain the minimum balance. I also have a fd and a credit card attached to this account.

Since, i wasn't able to maintain the minimum balance, i visited my branch and asked them nicely, if i can close my savings account and keep my fd and credit card active. At that time the account has a negative balance of - rs, 2000.

The branch person so rude, he completely ignored my request and said "why did you open the account, if you cannot maintain the balance". I still kept calm asked him if it is possible to close the account. He said, "this account cannot be closed". So, i left there thinking i won't be able to close this account.

I recently joined a company who process their salary through hdfc. So, i provided them my account details as i have an account already. After that when, i tried to access my account, the account shows a negative balance of - rs, 8450.

So, i tried visiting my nearest branch again hoping they might be able to assist me. I had to visit 3 branches and everyone of them ignored me/ my request without any reason. I know if the branch wants to, they can waive the fee once.

I am asking hdfc to help me, i don't wanna close this account. All i am asking is to waive my penalty charges for this once and convert my account to salary account as my hr team has already shared necessary docs with branch representative.

I am tired of visiting different branches and getting rude responses from branch team members.

I am requesting hdfc bank to please assist me with proper response and to let me know if they can waive this charges or will i need to pay all these amount.
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Feb 8, 2018
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Jan 08, 2018
HDFC Bank Customer Care's response
Dear Customer,

We are working on your concerns vide ref no:[protected] and will get back to you within 3 working days.

-Manoj
HDFC Bank Customer Assistance
Jan 09, 2018
Updated by Sumit.C
Hello Manoj,

I received a reply from HDFC bank stating that my charges have been waived. Thank you very much for all your assistance. However, my other problem still persists.

No one seems to take my account conversion request seriously. It's been a week since my HR team has submitted all the necessary documents with Sector-16 HDFC branch, Gandhinagar. However, my account is still a regular savings account and no one has processed the request to convert it to Salary account.

I am trying to reach every individual in HDFC bank to process this request at the earliest.

Kindly, take a look at this matter and help me resolve this issue.

Kind Regards,
Jan 11, 2018
Updated by Sumit.C
HDFC misinformed me about the charges being waived.

I rechecked my account today and it shows HDFC deducted two amounts from my account on 11th January 2018.

1. RS: 684.23

Ref: MIR[protected]

Narration: AMB charg for MAY 2017

2. RS: 226.77

Ref: MIR[protected]

Narration: AMB chrg for FEB 2017.

On 8th January, I received an email from HDFC stating and I Quote:

"Please note that the account is already in regular status and as a one time service gesture we have waived these charges."

So, They mentioned that they have waived all previous charges. However, on 11th Jan, they charged me again for 2017 which is contradicting their own email.

I have also submitted my documents to the nearest branch but they haven't processed the request yet. So, I am not certain how is that my fault.

Also, These charges should be refunded to me as you have already waived the charges as a one time gesture, so you should not have charged me in the first place.

HDFC is really disappointing me. Stick to your words, you are a financial institution, your words should hold a value.

I wouldn't recommend HDFC to anybody if they do this with all their clients.
Jan 18, 2018
Updated by Sumit.C
So, the charge have not yet been reversed. Also, my account has not been converted to Salary account yet.

I submitted the hard copy of my Joining letter weeks ago and nothing, no action taken by HDFC till now.

I am not certain what someone needs to do so banks do their jobs properly on time. I submitted the hardcopy of my document at Sector - 16, Gandhinagar Branch.

I am requesting HDFC to convert my savings account to salary account and update it in their system so it displays the same on my end.
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