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Submit your complaint →Sujay Singh reports unexplained debit charges of ₹3,900 on his HDFC Bank account. Choice4Voice.com details the complaint and outlines legal remedies for unfair banking practices.
HDFC Bank – Unjustified Debit Charges Complaint by Sujay Singh
At Choice4Voice.com, we highlight financial service deficiencies affecting customers. Sujay Singh has reported unexplained debit charges of ₹3,900 on his HDFC Bank account [Account Number: 0863].
Despite reviewing his bank statements, no prior notice or justification was provided. The complainant has requested refund/reversal of charges and assurance that such debits will not recur without proper communication.
Complaint Summary
| Details | Information |
|---|---|
| Complainant Name | Sujay Singh |
| Not disclosed | |
| Not disclosed | |
| Company/Brand | HDFC Bank Limited |
| Complaint Type | Unjustified Bank Charges / Service Deficiency |
| Product/Service | Savings Account [Account No: 0863] |
| Order/Service No. | SR 1025263003002838 |
| Issue Description | Debit of ₹3,900 without explanation or prior notice. Customer requests reversal and confirmation for future compliance. |
| Date of Incident | Not specified (recent bank statement review) |
| Company’s Response | Customer care (Kriti) acknowledged the complaint; no resolution provided |
| Additional Notes | Customer seeks written response within 7 working days |
Full Complaint Details
Sujay Singh discovered ₹3,900 debited from his account without prior notice or justification.
Key points of the complaint:
- No intimation or communication was given before debiting the account.
- The customer requested reversal/refund of the unexplained charges.
- The complainant also asked for assurance that future charges will be communicated in advance.
- Complaint registered under SR Number: 1025263003002838, handled by customer care representative Kriti.
Unexplained debits affect customer trust and confidence in the banking system. Such practices may violate RBI guidelines on customer transparency and account debits.
Legal Remedies & Choice4Voice.com Intervention
Choice4Voice.com will assist in filing complaints under the following provisions:
- Banking Ombudsman Scheme (RBI) – For unnotified/unjustified charges.
- Consumer Protection Act, 2019 – Deficiency of service claim against HDFC Bank.
- RBI Guidelines on Fair Practices Code – Banks must provide prior notice of charges.
- Indian Penal Code (IPC) Section 420 – If charges are levied with deceptive intent.
Departments for escalation:
- RBI Banking Ombudsman – Primary authority for disputed banking charges.
- State Consumer Dispute Redressal Commission – For deficiency in banking services.
- Ministry of Finance – Department of Financial Services – For regulatory enforcement if needed.
Choice4Voice.com will assist Sujay Singh in escalating the complaint, filing legal notices, and pursuing recovery/refund until resolved.
FAQs – HDFC Bank Unjustified Charges
Q1. What is an unjustified bank charge?
A charge levied without explanation, prior notice, or consent to the account holder.
Q2. How can I identify such charges?
Review your bank statement regularly; compare with communicated fees.
Q3. Can I get a refund for unexplained debits?
Yes, by raising a formal complaint with the bank and RBI Ombudsman.
Q4. Does RBI mandate prior notice for bank charges?
Yes, under the Fair Practices Code, banks must notify customers before levying charges.
Q5. What should I do if the bank ignores my complaint?
Escalate to RBI Banking Ombudsman or Consumer Court.
Q6. Can Choice4Voice.com help escalate banking complaints?
Yes, we assist in filing complaints publicly and legally.
Q7. How long does RBI take to resolve disputes?
Typically 30 days for Banking Ombudsman complaints.
Q8. Can senior citizens file such complaints?
Yes, all account holders have equal rights under consumer and banking laws.
Q9. Can repeated unexplained debits constitute deficiency of service?
Yes, under Consumer Protection Act, 2019.
Q10. Can Choice4Voice.com publicly feature my complaint?
Yes, to create public awareness and pressure for resolution.
Q11. Can banks charge without customer consent?
No, except for contractual fees explicitly agreed upon.
Q12. What documentation is needed for escalation?
Bank statements, complaint records, and communication proofs.
Q13. How soon should the bank respond?
Within 7–30 days depending on the nature of the complaint.
Q14. Can the bank refuse refund for debits labeled “system error”?
No, the customer is entitled to reversal and correction.
Q15. Is there a financial penalty for banks in such cases?
Yes, RBI may impose penalties for repeated non-compliance.
Q16. Can Choice4Voice.com assist in filing multiple complaints simultaneously?
Yes, we ensure legal escalation in all relevant departments.
Q17. What rights do customers have under RBI guidelines?
Right to transparency, prior notice, and redressal for grievances.
Q18. Can unexplained charges affect credit score?
Yes, if linked to overdraft or loan accounts resulting in penalties.
Q19. Can Choice4Voice.com file legal notices on behalf of the customer?
Yes, we assist in filing under Consumer Protection Act and Banking Ombudsman Act.
Q20. Why is documenting every communication important?
It strengthens your complaint and is critical for legal escalation.
At Choice4Voice.com, we assist customers like Sujay Singh in raising public attention, filing complaints, and pursuing legal remedies until unjustified banking charges are reversed.
If you face similar issues, submit your complaint to Choice4Voice.com to ensure accountability and resolution.
