Hi, I'm Shilpa from the Banking Team at DhanGuard. This situation is more common than many people think. Sometimes an account is mistakenly classified as dormant due to an internal system update or because the bank's definition of "activity" differs from what the customer expects.

If you believe the charges were applied incorrectly, don't ignore them. Acting quickly usually gives you the best chance of having the fees reversed.

Here's what I'd recommend:

• Contact the bank immediately. Explain why you believe the account should not have been marked as dormant. If you've recently logged into online banking, updated your KYC details, or carried out transactions, mention those activities.
• Review your account history. Download your recent statements and gather any evidence that shows the account was active, such as transfers, card transactions, online banking activity, or account updates.
• Request a fee reversal. Ask the bank to review the account status and refund any dormant account charges that were applied in error.
• Escalate if necessary. If the initial response isn't satisfactory, request that the matter be reviewed by a branch manager or the bank's complaints department. If the issue still isn't resolved, you can consider filing a formal complaint with the relevant banking regulator or financial dispute resolution authority.

I helped a client whose business bank account  had been marked as dormant even though they had logged into online banking and updated their company documents a few weeks earlier. After providing account statements and requesting a formal review, the bank acknowledged the error, restored the account to active status, and reversed the dormant account fees.

The key is to keep records of your account activity and raise the issue as soon as you notice the charges. The sooner the bank reviews the case, the easier it is to correct any administrative mistakes.