[Resolved] HDFC Bank — negative balance in salary account

[Resolved] HDFC Bank — negative balance in salary account

B bijit_364 from Chandigarh, Chandigarh

My salary account (In hdfc bank) was created in my second company, so once i left the company and joined somewhere else 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) in the month of march i had called customer care and raised a request to close my account as i did not want to use the account and they did say that they will follow up with the request and close the account. Asked me to visit branch., but i was abroad and also informed the bank. After that i never logged in to my account through net banking and i do not have a debit card (Lost in 2 years back and i never requested for a new one). I logged into my account for some reason on 25th june 2018 and i see that i have rs -4325 in my account. I request you to please take action against this bank.. They have no right what so ever to do whatever they want without informing the customer. As per rbi guidelines, there should not be any negative balance. Was this information helpful? No (0) Yes (0)
Jul 31, 2018 Complaint marked as Resolved HDFC Bank customer support has been notified about the posted complaint. Verified Support Jun 27, 2018 HDFC Bank Customer Care's response Dear Customer, We thank you for sharing your concerns. We understand that you are currently abroad and cannot visit our branch to submit a request for closure of your account. We wish to clarify that for account closure, a duly signed request from the customer is required. In the absence of same, an account cannot be closed. In case you are unable to visit the branch, you can send the account closure application to the branch by postal service or courier. Please send the account closure form (available on www.hdfcbank.com> Forms Center> Personal Banking) along-with Extended KYC annexure ( available on www.hdfcbank.com> Forms Center > Personal Banking > Extended KYC Annexure ) at any of our nearest Bank branches. Please visit the following link for the address of our branches: https://goo.gl/P7P68V -Anay HDFC Bank Customer Assistance Nov 16, 2019 Updated by bijit_364 Can you wave off my negative balance. I can reuse the account too. Nov 16, 2019 Updated by bijit_364 Simple. Because as per RBI guidelines. You cannot impose negative balance
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