Dear Sir,
I have below complaint with HSBC bank, G.K. I Branch New Delhi.
1. I maintain a salary account with Zero balance facility with above bank branch from November. The account was open by them by reference from my employer.
2. Till 7th September they treated above account as salary account with Zero balance facility but on 8th September they debited my account for INR 1103/- as a levy for non-maintained of Average quarterly balance of INR 100000/- per quarter.
3. Due to above effect since balance in my account went below the amount for which one of my cheque was issued- it bounced & they further debited & charged me INR 303.30
4. When I contacted their call centre & Nodal office in Chennai – first they asked to liaise with my HR dept. –which I did but according to him –till date he has not received any communication from HSBC about the removal of our company from the waiver list.
5. I presume that it is duty of HSBC bank to inform us about if there is any change in status of the account. Since November till August - every month my account has been credited with salary. So, it was treated as Salary account by HSBC as they did not levy any charges for non-maintained of Average quarterly balance of INR 100000/- per quarter.
6. A letter was sent by HSBC to me on 2nd of September about the charge without mention of change of status of account, however they have charged me for quarter – April- May – June—it is total breach of contract as a customer. I should have been informed on onset of the quarter from which above change was done and not at the end of it as it.
This is arbitral and total mistake of HSBC part & hence, request you to take this issue with HSBC bank and credit INR 1103/-(for charges of non-maintenance of quarterly balance) INR 303.30 (Cheque returned due to charged above & balance gone below the cheque amount)= Total INR 1406.30
Also, penalty of INR 5000/- must be imposed as non-adherence to banking norms so that it can be a lesson for them in future.
Thanking you
Janak Prasad
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