Hi,
I recently got a shock when my bank balance showed up as -1339 Rs. I then got a call from HDFC representative saying i had to deposit money or they would charge interest on the amount.
When i asked him for an explanation as to why my balance was negative he gave a very unconvincing reply saying my transaction on feb 20th didnt process through due to a network problem. Hence it happen a month later and they deducted the money.
My query is why should i get penalized for a transaction that didnt happen due to a network issue that HDFC had?
And even if the transaction didnt happen in 20th feb why wasnt i informed or when it eventually happened why wasnt i notified?
Why call after the balance goes negative and ask me to deposit money immediately or threaten to charge interest?
This is the 2nd time im having an issue with HDFC. They took 2 and half months to give e my welcome kit and account details when i opened this account. I was without a salary for 2 months.
And now they do this.
This is the kind of service i hate.
Kindly help. Is there any way i can book a case against the bank and teach them a lesson for being utter idiots.
this is my complain number and the mail i sent them today
HBL=009-102-142' Negative Bank Balance
"Hi,
It has come to my notice that I have a negative bank balance in my account.
Now the last time I checked my account I had a balance of 700 Rs in it.
When recently I swiped my card at a petrol bunk the transaction didn’t get through.
To my luck I wasn’t carrying any money with me. Not only was this embarrassing but I had to call
A friend of mine to pay for it.
Now can someone explain why I have a negative balance? Doesn’t it beat the purpose of having a debit card?
I did get a call from one of your executives who told me about a transaction that didn’t get processed feb 20th due to network issues.
And he demanded that I deposit some money to negate the negative balance or interest would be charged.
Even now I find it difficult to understand what your executive tried to explain, as he gave me 3 different dates trying to explain the debacle.
My question is why wasn’t I kept in the loop about a failed transaction? For some stupid network issue that you guys have is it right for you to
Put the customer in such a fix? Why didn’t you call and let me know when the transaction failed rather than wait until I have a negative balance and then call?
Now my pay cycle is on the 5th of every month and I am not willing to pay a pie on interest due to your lack of ability to keep me informed about my transactions,
And let me know only when its negative and then charge interest.
I still haven’t got my statement for the month of February so I’m still unclear about your reason given.
This is the 2nd time I’m facing issues with HDFC and your service till now has been absolutely pathetic and hopeless 'HBL=008-313-336' was the complaint number for the first issue I had.
All I have faced is embarrassment with you as my bank and I have never had this issue with my other account in ICICI. If you guys are not capable of handing a salary account kindly let me know."
Following is the reply i got from their customer service
"Dear Mr. Mithun P,
Thank you for writing to us.
This is with reference to your e-mail dated March 24 regarding negative balance
We would like to inform you that on March 16 you didn't had enough balance to make payment of POS transaction done on March 17. As the transaction done on March 17 was more then the existence balance in the account, the account balance gone in negative.
We would like to convey that as and when your account goes into negative balance, your account will be debited for the debit interest as per current regulations. This interest will be debited for the period the account was in negative balance."
Well thats a msg that didnt clear any of my questions.
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