Dear HDFC

Dear Mr. Das, 

Absolutely delighted to know that my company’s Current Account continues to be charged a quarterly Service Charge of Rs. 2400 which, after adding the GST presumably, amounts to Rs. 2842, despite assurances to the contrary. The latest instance is on the 18th of October, 2021.   

HDFC Bank had assured me that the issue would be taken care of and that I would not need to worry about it again. This had been communicated via its representative Ms. Kulwinder Kaur, who, I was given to understand, was my ‘relationship manager’ in HDFC Bank. I must say that I had interpreted a ‘relationship manager’ to mean that she would be looking after my interests. But one lives and learns. 

My last communication with Ms. Kaur, copied to yourself, was on 17th October, when I had received a text message from HDFC Bank, advising me of the impending debit, which, apparently, went through on the 18th.  

My email of 17th October: 

“Dear Kulwinder, Mr. Das, 

Received following text (SMS) yesterday: 

‘HDFC Bank A/c xx3986 is charged with Rs. 2400 (excl. GST) for non-maintenance of Avg. bal in SEP 21. Maintain req. bal. to avoid charges. Details: refer website’ 

As per email of 8th July enclosed below, a request has been given to HDFC Bank to attach this account to my Imperia relationship so that these charges stop being applicable.   

Can you please advise why these charges are being debited again in October and kindly reverse all such charges levied from 8th July onwards under advice to me. 

Regards, 

Ankur Mithal” 

The email of 8th July referred in the above email is also reproduced here, as I understand HDFC, being a big bank with millions of customers, may not be able to retain and track interactions with customers more than a day old: 

“Thank you Kulwinder. Please add Workready Knowledge Solutions to my relationship. 

Regards, 

Ankur Mithal” 

My confirmation was in response to an email received from Ms. Kaur the same day. She had confirmed that the Current Account of the company would be added to the relationship I had with the bank which would mean that the service charge would no longer be applicable. She had said she would send me an email regarding the same. All I had to do was send an email back in confirmation and the needful would be done.  

Her email of 8th July which is copied to you, of which the subject line reads: Consent for signing up for the Imperia Premium Banking Programme

“Dear Sir, 

Thank you for giving your valuable time to discuss your banking relationship with HDFC Bank.  

I am delighted to invite you to sign up for our Imperia Premium Banking Programme*, where we provide you with a host of exclusive services for a truly peerless banking experience. 

(Note: The rest was a summary of the features and benefits which I have omitted from the extract) 

Thanks and Regards, 

Kulwinder Kaur
Imperia Relationship Manager
Phone Number : 9888809465
HDFC Bank Phone Banking Number : 011-61606161 

Supervisor 

Mr.Rahul Das  – Relationship Banking Head, Phone # 9911760117and email ID : rahul.das5@hdfcbank.com 

Mr.Abhishek Gupta – Branch Head , email ID : abhishek.gupta@hdfcbank.com” 

She did. And I did. But HDFC Bank did not. 

You had replied to my email on 18th October and said: 

“Dear Sir, 

Greetings for the day

Surely will get back to you after speaking to Kulwinder on this as she has been moved to a new role 

Thanks and Regards, 

Rahul Das” 

Your inability to ‘get back’ perhaps bears out my point about HDFC Bank’s inability to track customer correspondence more than a day old. But then, if you had attended to it efficiently like some companies try to, it would have taken away the pleasure of this totally unnecessary correspondence. 

Anyway, as it must be difficult for the bank to understand the objective of this email, let me articulate it here: 

1. Kindly reverse the service charges of Rs. 2,832 debited in the account of my company on 11th April, 8th July and 18th October, 2021. 

2. Kindly ensure they are not levied again. 

Thanks and regards,

Ankur Mithal