HDFC Bank Cheating on the Name of Salary Account Fraud

Bank Manager

HDFC Bank Ltd


Subject: Complaint Regarding Unethical Practices and Misrepresentation of Account Terms

Dear Sir / Maam, 

I hope this letter finds you well. I am writing to express my deep dissatisfaction and concern regarding the recent handling of my account at HDFC Bank. As a loyal customer of your esteemed institution, I am disheartened to report an instance of unethical conduct that has severely impacted my financial well-being.

Account Details:

Account Number: 


Contact Number: 

+91 936xx 9x575

Email Address:


Buyo India Private Limited

I initiated a savings account with HDFC Bank in May 2023 under the impression that it was a zero balance account, as per the information provided by my employer, Buyo India Private Limited. I proceeded with the account opening process based on this assurance, trusting the integrity and transparency of HDFC Bank's services.

However, to my dismay, I recently discovered that HDFC Bank unilaterally reclassified my account as a regular savings account, mandating a minimum balance requirement of ₹5000, without any prior notification or explanation. This sudden policy change came as a shock to me, especially considering my recent transition from Buyo India Private Limited.

As a result of this arbitrary alteration, I find myself in a position of financial distress. Being unemployed, it is immensely challenging for me to maintain the stipulated minimum balance of ₹5000 in my account. This unexpected burden has caused me undue stress and anxiety, exacerbating an already difficult situation.

I feel betrayed and deceived by HDFC Bank's actions, which have eroded the trust I once had in your institution. It is disheartening to see a bank of your repute resort to such unethical practices, disregarding the well-being of its customers for the sake of profit.

Therefore, I request the following actions to be taken promptly:

Revert my account back to a zero balance account, as originally promised.

Reverse any charges or penalties incurred due to the imposition of the minimum balance requirement.

Close my account with immediate effect.

Failure to address these concerns and rectify the situation will leave me with no choice but to escalate this matter to the consumer forum and explore legal avenues to seek redressal. 

I trust that HDFC Bank values its customers and upholds the principles of transparency and fairness in its dealings.

I urge you to take swift and decisive action to resolve this issue and restore my faith in HDFC Bank's commitment to customer satisfaction. I appreciate your prompt attention to this matter and look forward to a favorable resolution at the earliest.

Thank you for your cooperation.


Reshma Rajan

Copy to RBI Bank Ombus

Email the Reserve Bank of India's (RBI) 

Integrated Ombudsman Scheme (RB-IOS) 


You can also send complaints about banks and NBFCs to

Unresolved Banking Issues and Possible Legal Action


Dear HDFC Bank Customer Service Team,

  I am writing to you regarding a matter

faced by  my client Reshma,  On significant

concern regarding my client’s banking experience with HDFC Bank. My client’s Zero Balance Saving Bank account details - 

Account no :*****829861,

Number :*****56013, 

Mail id :reshmara*******

Allow me to provide you with a detailed

account of the situation she has been facing. In May 2023, as an employee of Buyo India Private Limited, My client was instructed to open a new savings bank account with HDFC Bank to receive my salary. Following the company's directive, she promptly visited your branch and initiated the process to open an account. She was assured by your bank personnel that the savings account would be a zero-balance account, which seemed like an excellent arrangement for her at the time.

However, to my clients dismay, in

August 2023, due to personal reasons,

she had to resign from her position at

Buyo India Private Limited, rendering her

unemployed. Subsequently, my client

received a notification from HDFC Bank indicating that my zero-balance savings account had been converted into a regular savings account, necessitating a minimum balance of Rs. 5000. This abrupt change in account status caught her off guard, especially considering my client’s sudden unemployment status.

As if that wasn't distressing enough, she

then started noticing unauthorized deductions from her account. Shockingly, the account balance, which initially had some savings, began plummeting into the negative. HDFC Bank personnel deducted amounts from her

account between August 2023 and

December 2023, exacerbating my client’s

financial distress during a period of


In my client’s pursuit of resolution, she 

diligently visited the branch office multiple

times, seeking answers and a resolution to

her predicament. Regrettably, despite of my

client’s whole efforts, she has yet to receive

a satisfactory explanation or resolution to

this issue. Each visit has been met with

promises of investigation or redirection

to another branch, prolonging the agony

of uncertainty and financial strain.

This ongoing ordeal has taken a toll on my

client’s financial stability and peace of mind.

I implore the HDFC Bank authorities to

prioritize and expedite the resolution of my

client’s case. She needs not only restitution

for the unauthorized deductions but also

clarification regarding the sudden

conversion of her  Zero-balance account

into a Regular savings account without

prior notification or consent.

Failing a prompt and satisfactory resolution to this matter, My client has been left with no choice but to escalate the issue further, potentially involving Consumer Rights Organizations or pursuing Legal Action through the appropriate channels. We trust that HDFC Bank, as a reputable financial institution, values customer satisfaction and will take swift action to rectify this situation.

We kindly request that you acknowledge receipt of this communication and provide us with a timeline for resolving the issues outlined herein. We need conversion of Regular account to Zero balance account and also the refund of deducted amount from the period in between August 2023 and December 2023. Your prompt attention to this matter is greatly appreciated.

Adv Vaishnavi V. Hiremath  

Sr Advisor

Asiatic International Corp

#Reading #PersonalGrowth #Books #Learning #Wisdom #Knowledge #Empathy #CriticalThinking #LinkedInMarketing #branding #Marketing #linkedinlearning #connections #AirlineCareers, #AviationJobs, #FlightAttendantLife, #PilotLife, #AirportJobs, #AerospaceCareers, #AviationIndustry, #CabinCrewLife, #AircraftMaintenance, #AirlinePilots, #AvGeek, #FlightOperations, #AviationProfessionals, #AirlineRecruitment, #AviationDreams, #AirlineJobs, #SkyHighCareers, #AirlineIndustry, #FlyHighProfessionals, #AircraftTechnician, #AviationManagement, #CrewLife, #AirlineTraining, #AviationSkills, #SkyJobs, #TravelCareers, #AviationPros, #FlightDeckLife, #AirlineOpportunities, #AerospaceEngineering #AirlineProfessionals, #AviationExperts, #JetSetCareers, #AirlineLife, #AviationWorld, #PilotJobs, #CabinCrewLife, #FlightAttendantJobs, #AirportLife, #AircraftEngineer, #AviationFuture, #AirlinesHiring, #AviationWorkforce, #CrewLife, #AirlineIndustryJobs, #FlyTheSkies, #AircraftMaintenanceJobs, #AviationCareers, #TravelIndustryJobs, #RunwayToSuccess #BankingWoes #CustomerService #HDFCBank #UnansweredQuestions #FinancialStress #SeekingResolution #AccountIssues #UnemploymentChallenges #ConsumerRights #LegalRecourse #HDFCBanking #AccountTroubles #CustomerSupport #FinancialConcerns #SeekingAnswers #UnemploymentImpact #ResolutionNeeded #BankingStruggles #AccountIssues #FinancialStability #CustomerExperience #HDFCService #LegalOptions #ConsumerRights

HDFC Bank's Unethical Practices Leave Reshma in Financial Distress


Betrayed Trust: HDFC Bank's Unethical Practices Leave Reshma in Financial Distress

Bank : HDFC Bank Ltd Account no : 501006**829861 Number : 9**3056013 Mail id : Company : Buyo India private limited

In a tale that highlights the unforeseen challenges individuals can face in their financial journey, Reshma, a former employee of Buyo India Private Limited, found herself caught in a dilemma due to an unexpected policy change by HDFC Bank.

Reshma's story begins in May 2023 when, as per her employer's instructions, she opened a savings bank account with HDFC Bank. Being assured that it was a zero balance account, Reshma proceeded with the necessary formalities, trusting in the information provided. Little did she know that her financial landscape would soon take an unexpected turn.

Just a few months later, in August 2023, Reshma bid farewell to her job at Buyo India Private Limited. Amidst the whirlwind of transitioning to a new phase in her career, she was blindsided by an unsettling revelation: HDFC Bank had unilaterally converted her zero balance account into a regular savings account, mandating a minimum balance of ₹5000.

For Reshma, who had recently lost her job, this sudden change was nothing short of a financial blow. Struggling to make ends meet without a steady income, the prospect of maintaining ₹5000 in her account seemed daunting, if not impossible. It was a stark reminder of the vulnerability individuals face when financial institutions alter their policies without adequate prior notice or consideration for the impact on their customers.

Feeling betrayed and deceived, Reshma couldn't help but question the integrity of HDFC Bank's practices. What was once a trusted financial partner had now become a source of frustration and anxiety. The promises of a zero balance account had evaporated into thin air, leaving her grappling with the harsh reality of navigating through unforeseen financial obstacles.

The incident sheds light on a larger issue of accountability and transparency within the banking sector. Customers like Reshma place their trust in financial institutions to act in their best interests, only to find themselves at the mercy of arbitrary policy changes that can significantly impact their financial stability.

In a world where financial security is paramount, incidents like Reshma's serve as a stark reminder of the importance of vigilance and advocacy for consumer rights. As she strives to overcome this unexpected setback, Reshma's story resonates as a cautionary tale for individuals navigating the complex landscape of personal finance.

In the pursuit of financial empowerment, it is imperative that customers remain informed, proactive, and vocal in holding financial institutions accountable for their actions. Only then can we hope to foster a banking environment that prioritizes the well-being and interests of its customers above all else.

Adv Vaishnavi V. Hiremath  

Sr Advisor

Asiatic International Corp



Unmasking Cunning Schemes Spinny's Betrayal in Recent Car Transaction Exposed


Unmasking Cunning Schemes: Spinny's Betrayal in Recent Car Transaction Exposed….

Hello, valued community members! πŸ‘‹ 

It's crucial to shed light on potential pitfalls in the car-selling realm, and recent reports about Spinny's questionable practices demand our attention. Beware and stay informed before finalizing any deals with this used car company.

The Initial Offer:

Picture this: an enticing offer from Spinny, confirming a final price of Rs. 249,000 for your 2013 Toyota Etios GD. πŸš— The excitement is palpable, but don't get too comfortable—Spinny's tactics taken a sharp turn.

The Altered Deal:

Out of nowhere, the once agreed-upon price of Rs. 249,000 magically transforms into a mere Rs. 1,99000. 🚨 This sudden change raises eyebrows and prompts caution for anyone considering a transaction with Spinny.

Security Concerns:

Adding to the deception, Spinny provides links for updating bank account details and document uploads. However, the authenticity and security of these links are dubious. Double-check before taking any action to protect your trust and security.

Broken Promises:

It doesn't end there. Spinny, the supposed facilitator of seamless transactions, fails to keep promises made to the seller. There is no acceptance for the revised price, yet Spinny presumes acceptance and sends confirmation messages, creating confusion and frustration for the seller.

Questioning Spinny's Legitimacy:

In the aftermath of this disheartening experience, it becomes apparent that Spinny not only alters agreements at their whim but also fails to maintain integrity in their promises. This raises serious doubts about the legitimacy of the company itself.

Community Vigilance:

Your trust and security matter the most. Let's be vigilant in the Spinny community, sharing experiences and protecting one another from potential pitfalls. πŸ›‘️ If you have concerns or questions, please share below. Together, let's navigate the car-selling journey safely and transparently.

Spinny's recent deceptive tactics and broken promises serve as a stark reminder to exercise caution in our dealings. In the aftermath of this unsettling transaction, it's evident that Spinny not only alters agreements at their discretion but also fails to uphold promises made to the seller. This raises serious concerns about the company's credibility and authenticity. As a community, it's crucial to recognize the potential risks associated with dealing with Spinny and remain cautious in our transactions. Your selling experience should be transparent, fair, and secure—qualities that Spinny seems to be lacking, leaving us questioning the legitimacy of the company itself. Let's prioritize our safety and trust in every car-selling endeavor, steering clear of potential pitfalls that may arise in dealings with Spinny. 🀝

Team of fraud and fake people.



and many More

Cheating By Used Car Co Spinny
Be Aware 

Just a quick heads-up for those selling their cars—make sure you're aware of all the details before finalizing any deal. We've come across some concerning reports about Spinny's practices in a recent transaction.

They will offeer you 

Thanks for accepting our final price offer of Rs. 249000 for your 2013 Toyota Etios GD. πŸš—

When you are ready to sell 
They will change to 
Thanks for accepting our final price offer of Rs. 1,99000 for your 2013 Toyota Etios GD," be cautious. 🚨

The provided links for updating bank account details and document uploads might not be as secure as you'd expect. Always double-check the authenticity of such messages before taking any action.

Your trust and security matter, so let's stay vigilant out there! πŸ›‘️ If you have any concerns or questions, feel free to share your experiences below. Let's keep each other informed and protected in the Spinny community. 🀝 


Thanks for accepting our final price offer of Rs. 249000 for your 2013 Toyota Etios GD. πŸš—

Click to update your Bank Account Details where you wish to receive the full payment. πŸ’°

View the documents required and securely upload them here

🚨Note: The offer is valid only till Tue, 6th Feb. Hurry! Schedule your car's pick-up before it expires.
Hi There, Thank you for choosing Spinny to sell your car.

We'll be there to pick up your 2013 Toyota Etios GD individual on Sun, 4th Feb at 01:00 PM.

Address: B601 ,B Block Leeds Enclave, , Madhya Pradesh, 452005

With us, you get paid before key handover & have all your paperwork taken care of for you. 

For a seamless experience, please keep the following documents ready at the time of pickup:

1. RC (Original)
2. Insurance (if valid) in hard copy or PDF
3. Self-attested copy of Aadhar and PAN Card
4. The physical presence of the registered owner
5. Duplicate key of the car

- SellRight by Spinny


Thanks for accepting our final price offer of Rs. 1,99000 for your 2013 Toyota Etios GD. πŸš—

#StayInformed #CarSellingAlert

#SpinnyScamAlert #DeceptivePracticesExposed #CarSellingCaution #SpinnyFraud #TrustIssues #FakePromises #CarTransactionWarnings #CommunityVigilance #StayInformed #SecureSelling #AutoScams #TransparencyMatters #BewareSpinny #CarSellingNightmare #CautiousConsumers