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Submit your complaint →Sundaram Gaur, a Senior Windows & VMware Admin III at NCR Voyix, raised a serious financial grievance against HDFC Bank for allegedly emptying his account through unfair and unethical Average Monthly Balance (AMB) deductions. Despite repeated follow-ups, the issue remains unresolved. Learn how Choice4Voice.com helps victims like Sundaram file complaints with the RBI Ombudsman, consumer courts, and other authorities to seek justice against unethical banking practices.
Complaint Summary Table
| Complainant Name | Sundaram Gaur |
|---|---|
| Designation | Senior Windows & VMware Admin III at NCR Voyix |
| Bank Involved | HDFC Bank |
| Issue Type | Unethical AMB Charges / Account Wiped Out |
| Date of Incident | August 2025 |
| Complaint Filed With | RBI Ombudsman |
| Complaint Number | N202526011021831 |
| Resolution Status | Pending for over 60 days |
| Location | India |
| Source | LinkedIn Post |
| Platform Highlighted On | Choice4Voice.com |
Full Complaint Description
Sundaram Gaur, a highly qualified professional working as Senior Windows & VMware Admin III at NCR Voyix, publicly expressed his frustration with HDFC Bank over a shocking case of alleged unethical deductions.
According to his LinkedIn post, his entire bank account balance was wiped out under the label of Average Monthly Balance (AMB) charges. He claimed that this was done without proper justification or transparency, resulting in a major financial loss.
Despite repeated attempts to get clarification and resolution from HDFC Bank’s internal grievance channels, Sundaram reported receiving no meaningful response or corrective action.
He referred to RBI Circular DBR.Dir.BC.No.47/13.03.00/2014-15, which outlines the rules regarding fair practices and AMB charges, asserting that HDFC Bank’s actions violated these regulatory norms.
Taking matters further, Sundaram escalated his grievance to the RBI Ombudsman and shared his complaint number N202526011021831 requesting urgent intervention. However, even after 60 days, there has been no official update or resolution, compelling him to consider filing a formal case in consumer court.
Sundaram stated that this issue was not just about his personal loss but about ensuring accountability and transparency in India’s banking sector. He urged the Reserve Bank of India (RBI) to investigate the matter and uphold consumer trust.
Legal Case Can Be Filed
Several legal cases can be filed against HDFC Bank in this situation, considering the alleged unethical deductions and prolonged inaction:
- Case under the Banking Regulation Act, 1949
- Applicable for unfair and non-transparent deduction of charges.
- How Choice4Voice.com can help: Choice4Voice.com assists victims in drafting and submitting formal complaints to the RBI and the Banking Ombudsman for regulatory action.
- Consumer Complaint under the Consumer Protection Act, 2019
- For deficiency in service and unfair trade practices.
- How Choice4Voice.com can help: Choice4Voice.com provides a pre-drafted Consumer Forum complaint template and helps users file their cases online.
- Complaint under RBI Ombudsman Scheme, 2021
- For issues like excessive bank charges, wrong deductions, or non-response by banks.
- How Choice4Voice.com can help: The platform guides users step-by-step in submitting complaints through the RBI Ombudsman portal with proper documentation.
- FIR under Indian Penal Code (IPC) Section 420 – Cheating and Fraud
- If the deductions are found to be intentional or deceptive.
- How Choice4Voice.com can help: Provides a ready-to-use FIR draft format for filing at the nearest police station or cybercrime portal.
- Complaint with the Department of Financial Services (DFS)
- For policy violations by regulated banks.
- How Choice4Voice.com can help: Choice4Voice.com assists complainants in preparing email drafts and escalation templates for DFS and RBI.
How Choice4Voice.com Works
Choice4Voice.com is India’s fastest-growing consumer advocacy platform dedicated to amplifying public complaints and ensuring corporate accountability.
Here’s how it operates:
- Complaint Submission: Consumers can submit their grievances through a simple Google Form available on the website.
- Verification Process: Each complaint is reviewed to ensure authenticity and factual accuracy.
- Publication: Genuine cases are published on Choice4Voice.com and shared on LinkedIn to attract public attention and corporate response.
- Legal Guidance: Users are informed about all possible legal options — from consumer court filing to RBI Ombudsman escalation.
- Pressure & Resolution: Once published, complaints are visible to thousands, pushing companies and authorities to respond and resolve them quickly.
Author
Sundaram Gaur is a Senior Windows & VMware Admin III at NCR Voyix, with expertise in Azure, Citrix, Hyper-V, VMware, and Cloud Infrastructure Management. He is also an Az-104 certified professional and an enthusiast in Generative AI, Automation, and Cybersecurity. His technical leadership and ethical voice make his public concerns highly credible and respected in the professional community.
Q&A Related to HDFC Bank AMB and Consumer Complaints
Q1. What are AMB charges in HDFC Bank?
AMB stands for Average Monthly Balance a minimum amount customers must maintain in their accounts.
Q2. Can HDFC Bank deduct my entire balance for AMB shortfall?
No. As per RBI guidelines, banks cannot impose unreasonable penalties that exceed service value.
Q3. How can I dispute unfair AMB charges?
You can raise a complaint via HDFC Bank’s grievance portal or the RBI Ombudsman.
Q4. What is the RBI Ombudsman Scheme?
It allows consumers to file free complaints for unfair banking practices.
Q5. How long does the RBI Ombudsman take to respond?
Usually within 30 days, but complex cases may take up to 60 days.
Q6. Can Choice4Voice.com help me escalate my banking issue?
Yes, Choice4Voice.com assists with documentation and escalation drafting.
Q7. Is it legal for banks to deduct money without notification?
No. RBI mandates clear communication before any deduction.
Q8. Can I claim compensation for wrongful AMB deduction?
Yes, under the Consumer Protection Act for financial loss and mental harassment.
Q9. What if HDFC Bank ignores my complaint?
You can escalate it to the RBI Ombudsman or file in consumer court.
Q10. How do I contact the HDFC Grievance Redressal Officer?
Visit the official HDFC website under “Customer Care → Grievance Redressal.”
Q11. Can my credit score be affected by AMB deductions?
Not directly, but unresolved disputes might lead to reported defaults.
Q12. What is the RBI circular DBR.Dir.BC.No.47/13.03.00/2014-15?
It regulates bank charges and mandates transparent fee structures.
Q13. How to file a consumer court complaint against HDFC Bank?
You can file it online via https://edaakhil.nic.in with supporting evidence.
Q14. What is the average penalty for AMB non-maintenance?
Typically ₹10–₹600, depending on account type and shortfall.
Q15. How can I recover wrongfully deducted money?
By filing a written complaint and, if unresolved, approaching consumer court.
Q16. Can I close my HDFC account due to unfair charges?
Yes, customers can request closure citing dissatisfaction.
Q17. What is the timeline for refund after Ombudsman order?
Usually within 30 working days.
Q18. What documents are needed for Ombudsman complaints?
Account statement, complaint copy, and bank correspondence.
Q19. Can I file both Consumer Court and Ombudsman complaints?
Not simultaneously — choose one path first.
Q20. How does Choice4Voice.com ensure justice?
By giving public visibility, providing complaint templates, and guiding consumers through every legal channel.
