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[Resolved]  HDFC Bank — unethical behavior - charging atm card fee for sr. citizen & refunding less.

Address:Bangalore, Karnataka, 560098
Website:www.hdfcbank.com

Ref sb a/c [protected] rajarajeshwarinagar. I am a senior citizen having an easyshop platinum atm card [protected] valid upto 07/21. On 13oct2017 debit card annual fee jul[protected]mir[protected] rs.885 has been dedited. When this was questioned the reversal has taken place on 11/1/2018 deit card chgs revers-01039debi 18011001 rs.750.
Debit card should not have been debited. When pointed out rs.135 has not been reversed. Only rs 750 has been reversed. This mistake has happened because of the negligence on the part of the bank and the customer is being unethically charged for no fault of his.in fact the bank has to pay the interest for rs. 885 from 13/10/2017 to 11/1/2018 i. E for 90days.in stead of punishing the concerned worker i am being penalised of rs.135 and the interest i would have earned for the 90 days.
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Jan 24, 2018
Complaint marked as Resolved 
The bank does not own the mistake they have committed. They have simply deducted Rs 885 for no reason on 13oct2017 and in the process deducted GST. WHen I pointed their mistake they are not reversing RS.885 and they dont talk of the interest I have lost for the period of 13oct 2017 to 11/1/2018. Now the concerned officer is writing the GST part can not be reversed. I never asked them to deduct the fee which I need not pay. Why should I pay for their failure to work as per the rules. As a customer if we commit a small mistake they do not exempt us. Same rule should apply to them. They HAVE TO PAY FOR THE LAPSES ON THEIR PART.
HDFC Bank customer support has been notified about the posted complaint.
Jan 23, 2018
Updated by K Suresh Chandra Unethical behavior. Charging the atm fee for the easyshop PLATINUM [protected] issued to a Sr. Citizen A/c No.[protected] RAJARAJESHWARI. Debited Rs 885 on 13/10/2017 and reversed only 750 after complaining on 11/1/2018. This penal fee is for the mistake committed by the bank/case worker. Why the poor Account holder HAS TO PAY FOR THE LAPSES ON THE PART OF THE BANK
Verified Support
Jan 24, 2018
HDFC Bank Customer Care's response Dear Customer,

With reference to GST charges as per the guidelines provided by the Finance Bill, Banks will be levying GST associated with corresponding charges and the GST component once charged cannot be reversed.

-Manoj
HDFC Bank Customer Assistance
Jan 24, 2018
Updated by K Suresh Chandra This deduction has happened because of the malfunctioning of your staff. I want the money of Rs 135 and the interest I have lost because of debiting my account. I have committed NO MISTAKE. Then why you are penalising me in robbing Rs 135 and the interest for Rs 135 for 90 days. If you want to make up you deduct the money from Your staff and pay me for the losses iI have incurred because of your personnel mistake.
Jan 24, 2018
Updated by K Suresh Chandra The Bank also has some responsibility towards your Customer. Why I should lose Rs 135 and the interest for Rs 885 for 90 days when no where I am involved in it. THIS IS VERY UNETHICAL.
Verified Support
Jan 25, 2018
HDFC Bank Customer Care's response Dear Customer,

We understand that our branch manager Mrs M Maya has already contacted you and informed you about our inability to reverse the GST amount. Please note as per the recent amendments, the Finance Bill have widened the scope of banking and financial services which are eligible for the levy of Good and Services Tax (GST ). As per the current Finance Bill, all fees and transaction charges, levied in your card account, will attract a rate of GST @ 18%. In terms of these guidelines provided by the Finance Bill, the Bank will be levying the GST accordingly and thereby wish to reiterate that GST component once charged will not be reversed. The above the details are also updated in the HDFC Bank Website " www.hdfcbank.com ", please refer Fees and Charges section in the website or below Schedule of charges MITC link for details on GST. http://www.hdfcbank.com/assets/pdf/cc_common_MITC.pdf #opl1

-Manoj
HDFC Bank Customer Assistance
Verified Support
Jan 29, 2018
HDFC Bank Customer Care's response Dear Customer,

Please mail us at [protected]@hdfcbank.com from your registered email id along with your account details, contact details and complete issue details for further assistance.

-Anay
HDFC Bank Customer Assistance
Jan 29, 2018
Updated by K Suresh Chandra It looks like you dont want to appreciate what I am telling. Your staff has deducted RS.885 from my a/c without any valid reason. You have not provided any service to deduct GST for the invalid action. You are quoting govt rules which is not applicable for NO SERVICE. You are not finding fault with the staff who have carelessly deducted ATM charges which was not there.You penalise that staff who has been careless in discharging his duties, . I am a senior citizen living on no income and cant afford to pay for the mistakes the staff does. Kindly understand what I am telling.You are trying to justify the UNETHICAL ACTION. To repay the Rs 135+the interest I have penalised so adamantly you are behaving. What I without any income should do tell me.
Jan 29, 2018
Updated by K Suresh Chandra Instead of disciplining your staff you are penalising the poor senior citizen customer by charging GST for the disservice rendered.
Jan 29, 2018
Updated by K Suresh Chandra Without convincing the customer or understanding the problem clearly can the complaint be termed as RESOLVED. Why the deduction of Rs.885 has taken place when there was no need or requirement.explained . LET THIS BE EXPLAINED IN FIRST PLACE.
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