Submitted by: Ramu Vemula
Complaint Details:
Dear Kotak Team,
I had a salary account in ING VYSYS bank since 2014. I left that company and after few months I stopped using the bank account. Generally when we do not use any account it goes inactive. but this dint happened with my zero balance savings account. I had made a request with ING VYSYA bank to close that account as I was not using it then I came to know that they have converted my zero balance savings account to some other account which was never communicated to me. I used to get SMS on my registered mobile number about the balance and other information but I never got any SMS that I have to maintain any minimum balance in that account or it has any negative balance. when I went to bank and raised a request to close the account they told me to pay 7700 INR to close the account. My issues is when they changed my account from zero balance account to some other account why this was not communicated to me. Also when they can send SMS about other things why dint they send a SMS regarding negative balance in my account. because the SMS I used to get always contained some positive amount in my account. why only for closure I have to pay. Also every financial year bank does their calculations then why did they informed me last 2 months that I have some debt with this account. I am getting SMS with -7700 amount balance. Can you please help me in that ??
My ING VYSYA A/C: 323010270245.