I wanted a locker from HDFC. I was told by Miyapur Hyderabad branch that I will have to open a SavingMax joint account and have 1, 00, 000 fixed deposit. He also told me that since I am making the fixed deposit i dont have to maintain a minimum balance. So I opened a joint saving account in my and my wife's name. I asked if the fixed deposit can be mede in my wife's name, he said ya its ok.
But after 2 months I got the statement where Rs 1680 was deducted for not maintaining minimum balance. I contacted customer care and the branch... now they are saying fixed deposit should be name in primary account holder and my wife is secondary account holder so it will not be considered. When I told its you only who said before that I can open fixed deposit in my wife's name, then he said nothing can be done, once money is deducted it wont be reverted back in any case. I pointed out even you product litrature does not say fixed deposit should be in name of primary account holder on what basis you are claiming this. He said it are their internal rules, so nothing can be done now. This is the way HDFC bank cheats customers.
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