Here is the copy of the complaint I wrote to the branch manager:
This is to inform you about the
sudden closure of my current account(#) on 24th
January, which was linked to my savings/salary account #.
Since the weekend of 26th
January, I had stopped seeing the current account in the Accounts list on the
Net Banking menu. I did not react to this for a period of **3** days, under the impression that this was due to a major server
upgrade that was scheduled at your end during the weekend. Finally, on 31st
Jan I wrote an email to your support center demanding an explanation for the
disappearance of my account. The reply on the next day said that my identity
could not be verified, although this is the same email address that is
registered with you. On the same day, I posted the same query through net
banking(ref. P10360138).
On the evening of 2nd
February, I received a statement for the closed account mentioning that the
account had been closed due to ‘*Amount
due from you+ Penal Int*’. On receiving this, I called Phone-Banking to
enquire about the same. Since the phone-banker couldn’t resolve the issue, I
demanded to escalate the call to a supervisor. The supervisor registered the
complaint & assured of a reply by 3pm on Monday. After my call was made, an
email was dropped by Silvy Abraham from your branch at the registered ID
informing me about the closure. At 6 pm on Monday, the 4th, the
supervisor(Ms. Meghna) told me that someone from the branch would be speaking
to me this evening; but no one called.
I am extremely disappointed by
all this & request you to please consider the following facts:
**Failure to reverse ATM Charges**
The ATM card had been used at another bank’s ATM sometime during September
or October due to which a charge of Rs.28 was made. Despite of the
allowance of 10 free transactions at any bank’s ATM every month, this
charge was not reversed for 3 months. Following this, interest was
capitalized on this amount for 3 consequent months.**Expected inflow of cash in the closed account
**I was expecting a re-imbursement from my employer, M/s XXXXXXXXXXXX., towards the end of January after a 4 month long
procedure. Due to this sudden closure, I am going to have to face
inconvenience to have this amount credited back to my account.**Lack of customer concern**
Since this account was linked to a salary account and under a corporate
scheme; the bank should have shown some concern by communicating about the
closure. I wouldn’t have hesitated to transfer Rs.30 from my salary
account to avoid any further chaos. Such unprofessional behavior wasn’t
expected from the bank with repute.******Repeated issues with the bank**
I had filled the form for this account on 19th July, 2007 and
my account wasn’t processed for the next 45 days. Moreover, I was made to
re-fill a form towards the end of August. Due to this, there was a delay
in receipt of my first salary, an event which has unspoken importance. Though I had not escalated the issue at
that time, I now believe that I should have.****
Despite of having an option to
open my account with another leading bank, I chose HDFC Bank due to its trusted
brand image. But I am sorry to inform you that over the last six months, I have
received great disappointment from the services offered.
I hereby request you to look into
the matter & re-open my current a/c retaining the a/c no. as I am expecting
some more payments to that account. Also ensure that any transactions that
failed due to this closure are completed as soon as possible. Please resolve
the matter at the earliest.