Bank Manager
HDFC Bank Ltd
Coimbature
customerservices.cards@hdfcbank.com
support@hdfcbank.com
Helpdesk.Coimbature@hdfcbank.com
aaos@rbi.org.in
crpc@rbi.org.in
crpc@rbi.org.in
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:
5x1xx623829861
Contact Number:
+91 936xx 9x575
Email Address:
reshmarajanxxxx@gmail.com
Company:
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.
Sincerely,
Reshma Rajan
Copy to RBI Bank Ombus
aaos@rbi.org.in
crpc@rbi.org.in
Email the Reserve Bank of India's (RBI)
Integrated Ombudsman Scheme (RB-IOS)
at
aaos@rbi.org.in
You can also send complaints about banks and NBFCs to
crpc@rbi.org.in
https://www.hdfcbank.com/personal/need-help/contact-us/banking-ombudsman-details
