HDFC Bank — Unauthorized Deductions from My HDFC Bank Account

To the Consumer Court,

I am writing to bring to your attention an issue regarding unauthorized deductions made by HDFC Bank from my savings account. Despite not opting for any related scheme or service, the bank has deducted the following amounts from my account without my explicit consent:

1. ₹64.00 on 07 January 2025
2. ₹65.00 on 06 January 2025

These deductions are labeled as "APY26255826" in the transaction details, which appears to be related to a scheme or service. However, I have never subscribed to or authorized participation in this scheme.

When I contacted the bank's customer care, I was informed that I need to visit the branch in person to cancel this deduction. This process is highly inconvenient and unfair, especially given that I never agreed to enroll in the first place.

I believe this action by the bank violates consumer rights, as they have deducted money from my account without my prior consent or authorization. Furthermore, the lack of an easy and transparent resolution process adds to the inconvenience.

I am requesting the following actions:
1. A full refund of the unauthorized deductions (₹64.00 and ₹65.00).
2. Immediate cancellation of any unauthorized schemes or services linked to my account.
3. A written explanation from the bank regarding how and why these deductions were made.

I am attaching a screenshot of my account statement highlighting the unauthorized transactions as evidence.

If the issue is not resolved promptly and satisfactorily, I will be compelled to escalate this matter further, including filing a formal complaint with the Reserve Bank of India and seeking legal action for compensation for the inconvenience caused.

I trust the Consumer Court will intervene to ensure my grievance is addressed appropriately.

Yours sincerely,
Edwin Martin
[protected]