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Submit your complaint →Anuj K, an HDFC Bank customer, has accused the bank of deducting ₹1,000 from his salary account without prior notification or consent. He claims no such service or card was linked to his account. Read the full story on Choice4Voice.com to know how such issues can be legally challenged and how Choice4Voice.com assists customers in getting their money back.
Complaint Summary
| Complainant Name | Anuj K |
|---|---|
| Profession | Business Professional |
| Bank Involved | HDFC Bank |
| Issue | Unauthorised deduction of ₹1,000 from salary account |
| Account Type | Salary Account |
| Date of Incident | November 2025 |
| Complaint Platform | |
| Concerned Authorities | HDFC Bank, Reserve Bank of India (RBI) |
Full Complaint Details
Anuj K, a business professional and HDFC Bank customer, has raised a serious grievance against HDFC Bank for allegedly deducting ₹1,000 without prior notice or approval.
According to his statement, the deduction was made without any linked service or active card that warranted such a charge. He claims that despite maintaining a salary account, the bank representatives are pressuring him to close the account instead of resolving the issue.
He expressed his frustration publicly, rating the bank “0” for customer service and calling the deduction unethical and unauthorized. The customer insists that if the amount is not refunded immediately, he will visit the branch to close the account permanently.
Anuj’s complaint reflects a growing concern among Indian banking customers who face unexpected deductions from salary or savings accounts, often without clear communication or consent.
Legal Case Can Be Filed
| Applicable Law/Act | Description & Possible Action |
|---|---|
| Consumer Protection Act, 2019 | Unauthorised deduction without consent amounts to deficiency in service. |
| Banking Ombudsman Scheme (RBI) | File a grievance under unauthorized debit or unfair charges. |
| Information Technology Act, 2000 | Applicable if electronic authorization or auto-debit was processed without user consent. |
| Indian Penal Code (Section 420) | Fraudulent deduction of funds without permission can be criminally investigated. |
How Choice4Voice.com Can Help
Choice4Voice.com supports consumers like Anuj K by:
- Publishing verified complaints to raise awareness and public pressure.
- Helping victims draft professional complaint emails to the bank and RBI Ombudsman.
- Assisting in filing legal notices and refund claims for unauthorized deductions.
- Highlighting such issues to prompt transparent communication from financial institutions.
Consumers can submit their verified complaint via the official form on Choice4Voice.com, where each case is reviewed and published to gain attention from the concerned authorities.
Step-by-Step Guide to File a Complaint
1. File a Grievance with HDFC Bank
Email your concern to grievance.redressal@hdfcbank.com or support@hdfcbank.com with subject line:
“Unauthorized Deduction of ₹1,000 – Refund Request for Account No. XXXXXXXX4412”
Attach screenshots of transaction history and any bank communication received.
2. Escalate to RBI Ombudsman
Visit https://cms.rbi.org.in → Choose HDFC Bank → Select Unauthorized Deduction → Attach complaint proof and bank acknowledgment.
RBI usually responds within 30 days under the Integrated Ombudsman Scheme.
3. File a Consumer Forum Case
If unresolved, approach your local District Consumer Disputes Redressal Commission.
Mention that unauthorized deduction was made without notification or consent.
4. Optional: File a Cybercrime Report
If deduction was digital or card-related, register the complaint at https://cybercrime.gov.in under “Online Financial Fraud”.
Pre-Drafted Complaint Template (Email to HDFC Bank)
Subject: Unauthorized Deduction of ₹1,000 – Refund Request for Account No. XXXXXXXX4412
Dear HDFC Bank Grievance Officer,
I am writing to report an unauthorized deduction of ₹1,000 from my salary account (Account No. ending with 4412). I have not applied for or authorized any service or card that could justify this charge.
Please initiate an investigation and process an immediate refund. If the issue is not resolved within 7 working days, I will be compelled to escalate this matter to the RBI Ombudsman and the Consumer Protection Authority.
Kindly share the deduction reference and reason for this transaction in writing.
Regards,
Anuj K
Account No.: XXXXXXXX4412
Registered Email ID: [Your Email]
Date of Transaction: [Insert Date]
Author
Anuj K is a business professional who held a salary account with HDFC Bank. His case underscores a broader issue of unauthorized deductions and lack of transparency in banking services. He seeks fair treatment and refund of his deducted funds, advocating accountability from leading banks.
Frequently Asked Questions (FAQs)
Q1. What should I do if HDFC Bank deducts money without notice?
Immediately email grievance.redressal@hdfcbank.com and demand a transaction explanation.
Q2. Can banks deduct money without informing the customer?
No. RBI mandates prior communication before imposing any charge.
Q3. What if I had a salary account?
Salary accounts are usually zero-balance. Any deduction without downgrade notice is unlawful.
Q4. How do I get a refund for unauthorized deduction?
Raise a written complaint. If unresolved within 30 days, escalate to the RBI Ombudsman.
Q5. How long does RBI take to resolve complaints?
Typically within 30–45 days under the Integrated Ombudsman Scheme.
Q6. Can I file a police complaint?
Yes, under IPC Section 420 for fraudulent withdrawal or misrepresentation.
Q7. What proof should I keep?
Maintain screenshots of the debit, account statement, and complaint acknowledgment.
Q8. What is the RBI Ombudsman website?
Visit https://cms.rbi.org.in.
Q9. Can I close my account during the dispute?
Yes, but retain proof of balance and deduction for refund claim.
Q10. Are salary accounts chargeable?
No, unless converted into a regular savings account after job change (post notice).
Q11. What if bank representatives mislead customers?
File a complaint under the Consumer Protection Act, 2019 for misrepresentation.
Q12. What is HDFC’s escalation email for unresolved issues?
Head.Services@hdfcbank.com
Q13. Can Choice4Voice.com assist in filing my case?
Yes, Choice4Voice.com helps prepare formal complaint drafts and highlight cases online.
Q14. How can I check my deduction reason online?
Log in to HDFC NetBanking → Accounts → Account Statement → Narration Details.
Q15. Can I demand written confirmation from HDFC?
Yes, you can request a formal deduction clarification email.
Q16. Is ₹1,000 deduction a service charge or penalty?
It could be for card renewal or non-maintenance, but only if previously notified.
Q17. What are my rights under RBI guidelines?
You have the right to transparent disclosure and consent-based charges.
Q18. Can I seek compensation for mental harassment?
Yes, under the Consumer Protection Act if you suffered stress or financial loss.
Q19. Does Choice4Voice verify such cases?
Yes, Choice4Voice verifies each complaint before publishing.
Q20. What’s the next step if bank ignores complaints?
File a case on RBI CMS Portal and email media@choice4voice.com to feature your story publicly.
Read the full verified complaint on Choice4Voice.com — India’s trusted platform helping consumers fight unauthorized bank deductions and unfair charges.
