I have a salary account with HSBC when i was working for HSBC call center in Banerghatta. When i quit the company i had been to the HSBC branch i was told that because a salary account is a zero balance account there is no need for me to maintain a balance in the account. Also i was informed if my company contacts the bank they would have the account closed because i no longer work with the company. The account was never closed. Nor was i charged any charges. However on 01/07 Rs.1065.32 was debited from my account stating these were charges for not maintaining a minimum balance in the account. I was not intimated of these charges in advance, instead i was misled to believe that there would be no charges whatsoever if i had a zero balance. When i spoke to the call center for the bank i was told that this is a standard charge and will be levied on to the account and there is no need for the bank to inform customer's about these charges (called on 01/07). I was not informed when the account was converted from a salary account to a standard acccount. No salary has been credited in the account for over 24 months and there was never a charge on the account. This account was only used for the purpose of making hsbc credit card payments as it is not possible to set up a direct debit for credit card from any other bank other than hsbc.i am complaining because i had deposited Rs.2100 as payment for my credit card and the bank has taken half of the amount in charges. Now i would have to pay charges for my credit card also because i dont have enough time to deposit extra money into the account as the due date is 02/07.
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