Customer Muzakkir Hussain reports HDFC Bank debited nearly ₹4,000 as AMB charges without prior intimation. Read full complaint details and learn how Choice4Voice.com helps consumers fight unfair banking practices.
Complaint Summary : HDFC Bank Unjust AMB Charges Complaint by Muzakkir Hussain – Choice4Voice.com
| Detail | Information |
|---|---|
| Complainant Name | Muzakkir Hussain |
| Profession | Assistant Accountant |
| Company | S.E Engineering & Trading |
| Bank Involved | HDFC Bank |
| Account Ending | 9247 |
| Customer ID | 211404522 |
| Issue Reported | ₹4,000 debited as AMB Charges (AMB CHRG INCL GST) without prior notice |
| Date of Incident | 22nd August 2025 |
| Amount Deducted | ₹4,009 (entire balance wiped out) |
| Customer’s Expectation | Refund of unjustified charges, explanation, and assurance of proper prior intimation in the future |
| Source of Complaint | LinkedIn post by Muzakkir Hussain |
Full Complaint Report
On 22nd August 2025, Muzakkir Hussain, an Assistant Accountant and verified professional on LinkedIn, raised a serious complaint against HDFC Bank.
According to him, his savings account (ending 9247, Customer ID: 211404522) was debited with ₹4,000 under the entry “AMB CHRG INCL GST”, which completely wiped out his available balance of ₹4,009.
The complainant highlighted the following key issues:
- Earlier in the month, he had maintained a balance of over ₹50,000.
- Suddenly, multiple months of AMB (Average Monthly Balance) charges were deducted all at once.
- No SMS, email, or prior intimation was provided before making this debit.
- This action caused him financial and emotional distress, as he trusted HDFC Bank to safeguard his money, not deduct it unfairly.
Customer’s Demands from HDFC Bank:
- A clear explanation of why multiple months’ AMB charges were debited together.
- An immediate refund of the unfairly deducted ₹4,000.
- A guarantee that in the future, proper prior notifications (SMS/Email) will be sent before such deductions.
The complainant has expressed strong disappointment with HDFC Bank’s practices and hopes for an urgent resolution.
About Choice4Voice.com – A Platform for Consumer Justice
Consumers like Muzakkir often face unfair treatment from banks, e-commerce platforms, airlines, and service providers, where complaints are ignored until made public.
This is where Choice4Voice.com steps in.
What is Choice4Voice.com?
- A non-profit consumer advocacy platform that amplifies genuine complaints.
- Customers can directly submit complaints here using a simple online form.
- If the complaint is valid, it gets published on Choice4Voice.com and shared widely on platforms like LinkedIn, increasing pressure on the company to act.
- The goal is to ensure consumer voices are heard and companies are held accountable.
Why Should You Use Choice4Voice.com?
- Visibility: Companies often ignore private complaints but respond when issues are public.
- Documentation: Your case is professionally written and published as an SEO-optimized article.
- Credibility: Businesses face reputational pressure when consumer grievances are highlighted online.
- Support: It is not just your voice but a community voice.
If you are facing issues with any company, visit Submit Your Complaint and let your case be published for better chances of resolution.
Frequently Asked Questions (FAQs)
1. What are AMB charges in HDFC Bank?
AMB (Average Monthly Balance) charges are penalties imposed by banks when customers fail to maintain the required minimum balance in their accounts.
2. How much is the minimum balance requirement in HDFC Bank savings accounts?
It depends on the account type and branch location. Typically, it ranges from ₹5,000 to ₹10,000 in metro/urban areas and ₹2,500 in rural areas.
3. Why did HDFC deduct ₹4,000 at once from Muzakkir Hussain’s account?
According to the complaint, HDFC debited multiple months’ AMB charges together without prior intimation, wiping out his balance.
4. Is it legal for banks to deduct charges without prior notice?
Banks are required to inform customers via SMS/Email before debiting charges. Sudden deductions without intimation may be considered unfair practice.
5. Can customers demand a refund for unfair AMB charges?
Yes, customers can write to the bank branch manager, escalate to HDFC customer care, and further file a complaint with the Banking Ombudsman.
6. What is the role of Choice4Voice.com in such cases?
Choice4Voice.com publishes consumer complaints online, ensuring greater visibility and public pressure on banks/companies to act quickly.
7. How can I submit my own complaint?
You can visit Submit Your Complaint Page and fill out the form with your case details.
8. What happens after I submit my complaint to Choice4Voice.com?
Your complaint will be reviewed, and if genuine, published as a detailed article and shared on LinkedIn to attract attention from the company.
9. Does Choice4Voice.com charge consumers for publishing complaints?
No, it is a free consumer advocacy platform designed to help individuals fight unfair corporate practices.
10. Can Choice4Voice.com guarantee resolution?
While the platform cannot legally enforce resolutions, companies often respond quickly once their brand image is at risk publicly.
11. What should I do if HDFC Bank refuses to refund AMB charges?
You can escalate to the Banking Ombudsman under RBI after registering a complaint with the bank and waiting 30 days.
12. How do AMB charges affect customers financially?
Sudden deductions can wipe out balances, cause failed transactions, and even lead to penalty spirals if customers are unaware.
13. Can HDFC Bank reverse AMB charges?
Yes, banks often reverse charges as a one-time goodwill gesture if the customer raises the issue strongly.
14. Why is prior intimation important for customers?
It allows customers to maintain balance or adjust funds instead of being surprised by sudden debits.
15. How does Choice4Voice.com help fight harassment from banks?
By publishing verified cases, Choice4Voice.com ensures banks cannot ignore genuine grievances without risking public backlash.
16. Is Choice4Voice.com only for banking complaints?
No. It covers all sectors, including e-commerce, telecom, airlines, automobiles, and service providers.
17. How long does it take for my complaint to be published?
Usually within 24–48 hours after verification of details.
18. Can international customers submit complaints on Choice4Voice.com?
Yes, the platform accepts complaints against international companies as well.
19. What additional steps can customers take apart from Choice4Voice.com?
- Escalate to customer care
- Write to nodal officers
- Approach regulatory authorities
- File consumer court cases if required
20. Why should companies take Choice4Voice.com complaints seriously?
Because published articles are SEO-optimized and remain visible online, affecting their brand reputation until resolved.
21. Is Choice4Voice.com affiliated with government authorities?
No, it is an independent consumer advocacy platform, but its work complements consumer protection laws in India.
✅ Conclusion:
The complaint by Muzakkir Hussain highlights how unexpected AMB charges by HDFC Bank can cause serious distress to customers. Platforms like Choice4Voice.com ensure such cases do not go unheard by amplifying consumer voices online and pushing companies toward fair practices.
If you are facing a similar issue, don’t stay silent. Visit Choice4Voice.com – Submit Your Complaint today and make your voice count.
