Pradipa Kumar Sethi, Loan Officer at Tata Capital, has alleged unfair treatment by HDFC Bank’s Daspalla Branch after ₹1400 was deducted despite assurances that no charges would apply for salary account conversion. This article highlights the full complaint, explains the issue, and guides customers on how to raise their voice through Choice4Voice.com
Complaint Summary
| Detail | Information |
|---|---|
| Complainant | Pradipa Kumar Sethi, Loan Officer at Tata Capital |
| Brand Involved | HDFC Bank (Daspalla Branch) |
| Issue | Salary account conversion not completed, ₹1400 deducted unfairly |
| Location | Daspalla |
| Complaint Type | Unauthorized deduction & misleading information |
| Resolution Requested | Refund of ₹1400 and proper conversion to salary account |
| Status | Unresolved |
About the Complainant – Pradipa Kumar Sethi
Pradipa Kumar Sethi, a Loan Officer at Tata Capital, recently visited HDFC Bank’s Daspalla Branch to convert his savings account into a salary account. According to his statement, bank officials clearly informed him that no charges would be deducted and that the account would automatically convert once three consecutive salaries were credited.
However, instead of a seamless process, ₹1400 was deducted from his account, and the salary account conversion never happened. Feeling harassed and misled, he has now threatened to close his HDFC account permanently if the issue is not resolved quickly.
Brand Involved – HDFC Bank
HDFC Bank, one of India’s largest private sector banks, often markets itself as a “customer-first” financial institution. However, cases like this raise serious concerns about:
- Transparency of salary account conversion policies
- Unexplained deductions and hidden charges
- Customer harassment due to misinformation at branch level
Incidents like these damage trust among salaried customers, who expect reliability and clarity when opening or converting accounts.
Full Complaint Details
According to Pradipa Kumar Sethi:
“When I visited the nearest HDFC branch in Daspalla to convert my account into a salary account, I was assured that no charges would be deducted. They said once my salary is credited for three consecutive months, the account would be converted automatically. But now I see ₹1400 has been deducted from my account, and it has not been converted into a salary account. If this is not resolved ASAP, I will permanently close my HDFC account.”
This highlights a serious gap between promises and actual service delivery at HDFC Bank.
Choice4Voice.com – How We Help Consumers
At Choice4Voice.com, we act as a consumer advocacy platform dedicated to highlighting genuine customer grievances that often go unheard by large corporations. Our mission is simple:
- Expose unfair practices by companies through well-documented articles.
- Amplify customer voices by sharing complaints across professional platforms like LinkedIn.
- Pressure brands into action by ensuring these complaints reach the right stakeholders.
👉 If you are facing similar issues with HDFC Bank or any other brand, you can:
- Tag our official LinkedIn page while posting your complaint, and we will feature it on our platform.
- Directly submit your complaint here: Submit Your Complaint
Frequently Asked Questions (FAQ) – Salary Account Complaints Against HDFC Bank
1. Why did HDFC Bank deduct ₹1400 from my salary account?
Charges may apply if your account doesn’t meet salary account eligibility. However, deductions without proper explanation may be unfair and disputable.
2. How can I get my money refunded from HDFC Bank?
Raise a complaint with the branch, email HDFC grievance redressal, and escalate to the Banking Ombudsman if unresolved.
3. What are the common issues customers face with HDFC Bank salary accounts?
- Hidden charges
- Account not converting to salary account despite eligibility
- Poor response from branch staff
- Unclear communication on policies
4. Can I close my HDFC Bank account if unfair charges are deducted?
Yes, you can close your HDFC Bank account anytime, but ensure you first claim refunds of unjust charges.
5. How long does HDFC take to resolve salary account complaints?
Typically 7–10 working days, but many customers report much longer delays.
6. What is the RBI rule for unfair bank charges?
RBI mandates transparency in charges, and banks must refund wrongly deducted amounts if proven.
7. Is HDFC Bank salary account really free?
Yes, salary accounts are marketed as “zero balance” and free of charges, but deductions may occur if not properly converted.
8. How to escalate unresolved HDFC Bank complaints?
Escalate to grievance.redressal@hdfcbank.com, and if ignored, approach the RBI Banking Ombudsman.
9. Can Tata Capital employees open HDFC salary accounts?
Yes, Tata Capital employees are eligible, but branch-level execution must be transparent.
10. Why do customers call HDFC Bank’s service “harassment”?
Because repeated follow-ups, misinformation, and unjustified deductions create financial stress.
11. Is it safe to keep money in an HDFC salary account?
Yes, but only if the account is correctly converted. Otherwise, hidden charges may apply.
12. How many complaints are filed against HDFC Bank every year?
Thousands of consumer complaints are filed, especially related to salary accounts, loans, and service charges.
13. Does Choice4Voice.com take action against banks?
We don’t act legally but expose complaints publicly, compelling banks to act.
14. Can I share my HDFC Bank issue on LinkedIn?
Yes, tag Choice4Voice.com’s official page, and we will amplify your case.
15. How do I check if my HDFC account is converted to a salary account?
Check via NetBanking or mobile app. Salary account benefits should reflect automatically after three consecutive salary credits.
16. Why are salary account charges a trending issue in India?
Because many banks misinform customers about “free salary accounts,” later deducting charges.
17. Does the Banking Ombudsman help in refund cases?
Yes, they handle refund disputes if banks fail to resolve them.
18. Are HDFC Bank salary accounts really zero balance?
Yes, but only if the conversion process is completed correctly.
19. What should I do if my salary account is not converted after 3 months?
Immediately raise a complaint with the branch and escalate to senior officials.
20. How can Choice4Voice.com help me with my HDFC Bank complaint?
We publish your complaint as an article, push it on LinkedIn, and ensure visibility so the brand is forced to respond.
