I want to intimate you that I had an salary account 501XXXXXXXx73 with HDFC Bank as I was working with HDFC Bank, Bommanahally branch Bangalore. I left the job in 30june2017 and there after i withdrawn all the accumulated amount from the account since i will not be receiving any more funds. And now my salary account in hdfc bank has been converted to saving account without intimating me in the month of OCTOBER 2017. Now when i got to check the account details on 16NOV2017, I see that there is a negative balance of Rs. -2687.10 in it in a short span of 45 days as i learn my salary account got converted into saving account on 01OCT2017 after 3 month period. It happened without any notification or SMS to me. The same day on 16Nov2017 I put in the money Rs. 13000, the bank straight forward deducted the negative amount Rs. 2687.10 from the credited amount. This is the case of Saving account converted from Salary account. In this case, the bank must notify me clearly by SMS or email in transparent manner that in the event of the minimum balance not being restored in the account within a month of notice, penal charges would be applicable. But i did not receive any kind of notification from the bank so for and they straight forwarded updated negative balance in account summary. This is really unethical and against the RBI guidelines pertaining to the same.
Please find the rbi notification-https://rbi.org.in/Scripts/NotificationUser.aspx?Id=9343&Mode=0
Please do assist in providing full resolution and reverse the deducted amount Rs. 2687.10 from my account.
Bendre Nagar, Bangalore 560070, Karnataka