Account closure and unnecessary charges (Amb)?

Question

This is to inform you that my name is Rakesh Pal and I am residing at address C-39/E (B) railway colony, lajpat nagar – 1, ND-24, I am having a bank account in your bank it was a salary account opened by the employer for crediting salary. However, as I am not associated with the same employer anymore so I don’t operate that account and not sure how and when this account was changed to savings account from Salary accounts without my consent or request. Moreover, now it has a balance of Rs -6, 137.19. Hence I request you to kindly close this account asap as I have never requested for this service. Also, please provide me the request number for my account closure request so that I can use it for any future follow ups on this. Regards, Rakesh Pal

Answer 1

Dear Rakesh

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Generally, if the salary credits not come in for three months, the bank would convert the salary account to normal account and accordingly all the chages would get levied, if the required minimum monthly average balance is not maintained.  Please write to your bank / home branch that you are no more with the company and ask them to close the account, so that no more statements would get generated and reach you.  However, when you have left your previous employment, you should have informed the bank accordingly, which would have saved you and the bank, all this avoidable correspondence.  

RAJA