how do initiate action against HDFC bank which provided false information in opening NRI A/c & for worst srvce?

The Bank customer executive before opening of A/c provided so many attractive options like, separate check book/ATM card for customer and as well as mandate holder and the Cheque book can reach customer to which ever address he wants. Also made sure that initial remittance can be made through ACH from US bank. To my dismay, All remittance correctly got credited to NRI A/c but, they insisted the A/c Is in in active status, saying they are not able to verify my name, which was sent from US Checking A/c through online service provider. Even after providing banking statements, remittance particulars, their simple reply was they don’t’ have ability to check with US bankers. on cheque book to Mandate holder, after so many exchange of mails to NRI service/concerned branch, only I could get evasive/irrelevant replies for 3-4 months. After indicating that a legal action will be initiated on this, I just got negative reply from NRI service that there is no separate cheque book for Mandate holder. For the customer too, they will send the cheque book only to USA. And they don’t care about anything else. My money got locked as well I was unable to operate any planned transction in anticipation of receiving cheque book. There was no proactive suggestion or leader available to understand the issue and arrange to resolve it. It was a worst banking experience in my life time. This has resulted me in indirect loss of money due to inoperation of the A/c in addition to mental agony and waste of time in sending repeated exchange of mails. I like to initate action in USA as well in india against such bank. Any Good suggestion in initiating action is welcome.

I am interested in opening a public providence fund(ppf) and i have some questions?

1. Im just 19years old and i dont have any income but i want to open the account so that i can deposit excess taxable income into it in the future, i want to open it now to reduce the waiting time, is it a good idea.
2. I don’t have a pan card in my name, can i still open a ppf account?
3. Can i partially withdraw from the ppf after 7 years, and if so upto what extent, do i have to pay it back?
4. I have an option to open the account in either a post office or a bank, which is a better option in terms of convince ?
even though i dont have a taxible income i will be able to pay 500/- a year… my plan was, like after 5 or 6 years when i get an income more than the limit thats non taxible i can put it in the ppf so that i’ll only have to wait for 10 years and get the tax free amount sooner even if the interest is less… is it a good idea?

I am interested in opening a public providence fund(ppf) and i have some questions?

1. Im just 19years old and i dont have any income but i want to open the account so that i can deposit excess taxable income into it in the future, i want to open it now to reduce the waiting time, is it a good idea.
2. I don’t have a pan card in my name, can i still open a ppf account?
3. Can i partially withdraw from the ppf after 7 years, and if so upto what extent, do i have to pay it back?
4. I have an option to open the account in either a post office or a bank, which is a better option in terms of convince ?
even though i dont have a taxible income i will be able to pay 500/- a year… my plan was, like after 5 or 6 years when i get an income more than the limit thats non taxible i can put it in the ppf so that i’ll only have to wait for 10 years and get the tax free amount sooner even if the interest is less… is it a good idea?
even though i dont have a taxible income i will be able to pay 500/- a year… my plan was, like after 5 or 6 years when i get an income more than the limit thats non taxible i can put it in the ppf so that i’ll only have to wait for 10 years and get the tax free amount sooner even if the interest is less… is it a good idea?