Possibly a new Scam during HDFC account opening?
This is bit long please bear with me. I went to bank and told him to make basic savings account (AMB 5k) for me and MaxSaving account (AMB 25k) for my dad for any future card offers. The guy turned out to be a friend of my friend whom I met for the first time.
They came to our house to enable geo tagged location as our address. He brought one basic and one MaxSaving account opening kit. Did KYC and in-fact received email stating the basic account opening (attached pic). I transferred HDFC 15k on an official QR which should reflect in my new account. My father gave a cheque of 26k towards his MaxSaving.
The catch was he intentionally or mistakenly applied that MaxSaving kit number to my basic saving account application and now mentioned that he has to fetch one MaxSaving kit again from bank for my dad.
He came back after 1.5h gave my dad everything from passbook to debit card. When I asked about mine he sat there for half an hour trying to sell me that, “please we will make your account non maintenance after 2 months. Just maintain 25k for 2 months.” A RM called me to convince me the same.
I said okay if you mistakenly did this, I will send another 10k to bank which will make it 25k for me. He said, “No, it should come as a single credited statement of 25k and demanded another cheque or upi payment of whole amount. I denied that since I have other expenses and I can’t just straight up give 25+15= 40k towards my new account opening.
On road, during leaving he tried to convince me again and again stating the pressure is on him now to delete that and make a new basic one for me.
Lesson learnt. He did the mistake and I got a bumpy onboarding which may take 3-5 d or more to sort out or this incident may hinder my card approvals in future. My father who had never held any pvt bank account got a bad experience as well from all this and developed a trust issue.