[Resolved] HDFC Bank — wrongly charged ach debit charges

[Resolved] HDFC Bank — wrongly charged ach debit charges

र रौशन कुमार from Raipur, Chhattisgarh

Have salary account with hdfc bank. I do sip with the account. This month i did not have sufficient balance in my account to get it deducted for the sip. I have been charged rs. 590 two times (Rs. 1180 in total) for two sips. Please reverse the entire amount. I did not have any prior information about this charge. My customer id is 62468945. If the amount is not reversed, i will close the account by the end of this month. I have other bank account which do not levy such charges. I will make them my salary account. Was this information helpful? No (0) Yes (0)
Sep 17, 2019 Complaint marked as Resolved I did not receive ny call or mail from the bank and the issue is not resolved yet HDFC Bank customer support has been notified about the posted complaint. Verified Support Sep 16, 2019 HDFC Bank Customer Care's response Dear Customer, In terms of Clearing guidelines, issued by RBI, the clear funds balance available in the account at the beginning of the day would be considered for the purpose of ECS(s) received in clearing. We note that in your said account, the clear funds balance at the time of presentation of the said ECS(s), was not sufficient to cover the ECS(s) received in clearing. Therefore the ECS(s) was returned due to insufficient funds and the corresponding charges for ECS(s) dishonor were levied to your account. Kindly note that these charges attract GST as applicable. We advise you to maintain sufficient clear funds balance in the account in the future, at the time of issuance of the ECS(s), to avoid the ECS(s) return charges being levied to your account. -Nadia HDFC Bank Customer Assistance Sep 17, 2019 Updated by रौशन कुमार Sorry, this is not acceptable to me. You should have given prior information. When it is time to market your product, you come with lot of information, but here there was no prior information, as the customer is being at loss, and you are getting the benefit of that. Here, you should refund at least half of the amount due to lack of prior information given to the customer. If you are unable to do so, I will close my the salary by the end of this month. I was planning to apply for a debit card as I lost my old one, but will discard the plan if the amount is not refunded within this month. Sep 17, 2019 Updated by रौशन कुमार I am totally unsatisfied with the resolution. Please reopen the issue
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