HDFC Bank — Wrongly charged for minimum balance

Address: HDFC, Balmatta, Mangalore

My name is Austyn Goveas. In October 2024 I had intended to create an HDFC saving account. However, I did not go ahead with the KYC process. I received emails saying the KYC process is not complete.
Now, I did not complete it at any point upto this day. About a week later, an employee of HDFC asked me to complete the KYC. I said I do not want to. She told me that my account would automatically be inactive after a month. I should not do anything.
Fast forward to December 21st, 2024, I get a call from an employee (I have the recording) saying that my account will incur charges for not maintaining minimum balance. I said two months had past, why are you bringing this up now?
Please note - in all this time, I have not recieved a starter kit, I do not know my account number, there is no account details at all provided.
I go to the branch as the employee instructed and filled out a form to close the account. (I have a picture of the form)

He said I would get a message of closure. I did not receive the same. But there was no call or message so I presumed the account was closed.
Today, january 13th, I recieved 2 emails back to back saying I am charged 600 inr for November and December for not maintaining balance.

1. There is no account.
2. I am charged for minimum balance for an inactive account.
3. Kyc was not done.
4. The account should have been inactive after 30 days.
5. I was lied to by 2 employees of HDFC.
6. I did not recieve he started kit nor did I get any details of this account.

And now I am being charged 1200.
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HDFC Bank customer support has been notified about the posted complaint.
 
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