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Thread: Banking Ombudsman

  1. #1
    admin is offline Administrator
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    Default Banking Ombudsman

    Banking Ombudsman Scheme, 2006

    1. What is the Banking Ombudsman Scheme?
    The Banking Ombudsman Scheme enables an expeditious and inexpensive forum to bank customers for resolution of complaints relating to certain services rendered by banks. The Banking Ombudsman Scheme is introduced under Section 35 A of the Banking Regulation Act, 1949 by RBI with effect from 1995.



    2. Who is a Banking Ombudsman?
    The Banking Ombudsman is a senior official appointed by the Reserve Bank of India to redress customer complaints against deficiency in certain banking services.


    3. How many Banking Ombudsmen have been appointed and where are they located?
    As on date, fifteen Banking Ombudsmen have been appointed with their offices located mostly in state capitals. The addresses and contact details of the Banking Ombudsman offices have been provided in the annex.


    4. Which are the banks covered under the Banking Ombudsman Scheme, 2006?
    All Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks are covered under the Scheme.



    5. What are the grounds of complaints?
    The Banking Ombudsman can receive and consider any complaint relating to the following deficiency in banking services (including internet banking):

    • non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.;
    • non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof;
    • non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof;
    • non-payment or delay in payment of inward remittances ;
    • failure to issue or delay in issue of drafts, pay orders or bankers’ cheques;
    • non-adherence to prescribed working hours ;
    • failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents;
    • delays, non-credit of proceeds to parties accounts, non-payment of deposit or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings,current or other account maintained with a bank ;
    • complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank-related matters;
    • refusal to open deposit accounts without any valid reason for refusal;
    • levying of charges without adequate prior notice to the customer;
    • non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on ATM/Debit card operations or credit card operations;
    • non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned, but not with regard to its employees);
    • refusal to accept or delay in accepting payment towards taxes, as required by Reserve Bank/Government;
    • refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of Government securities;
    • forced closure of deposit accounts without due notice or without sufficient reason;
    • refusal to close or delay in closing the accounts;
    • non-adherence to the fair practices code as adopted by the bank or non-adherence to the provisions of the Code of Bank s Commitments to Customers issued by Banking Codes and Standards Board of India and as adopted by the bank ;
    • non-observance of Reserve Bank guidelines on engagement of recovery agents by banks; and
    • any other matter relating to the violation of the directives issued by the Reserve Bank in relation to banking or other services.

    A customer can also lodge a complaint on the following grounds of deficiency in service with respect to loans and advances

    • non-observance of Reserve Bank Directives on interest rates;
    • delays in sanction, disbursement or non-observance of prescribed time schedule for disposal of loan applications;
    • non-acceptance of application for loans without furnishing valid reasons to the applicant; and
    • non-adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank’s Commitment to Customers, as the case may be;
    • non-observance of any other direction or instruction of the Reserve Bank as may be specified by the Reserve Bank for this purpose from time to time.
    • The Banking Ombudsman may also deal with such other matter as may be specified by the Reserve Bank from time to time.

    6. When can one file a complaint?
    One can file a complaint before the Banking Ombudsman if the reply is not received from the bank within a period of one month after the bank concerned has received one s representation, or the bank rejects the complaint, or if the complainant is not satisfied with the reply given by the bank.

    7. When will one s complaint not be considered by the Ombudsman ?
    One s complaint will not be considered if:

    a. One has not approached his bank for redressal of his grievance first.



    b. One has not made the complaint within one year from the date one has received the reply of the bank or if no reply is received if it is more than one year and one month from the date of representation to the bank.


    c. The subject matter of the complaint is pending for disposal / has already been dealt with at any other forum like court of law, consumer court etc.


    d. Frivolous or vexatious.


    e. The institution complained against is not covered under the scheme.


    f. The subject matter of the complaint is not within the ambit of the Banking Ombudsman.


    g. If the complaint is for the same subject matter that was settled through the office of the Banking Ombudsman in any previous proceedings.


    8. What is the procedure for filing the complaint before the Banking Ombudsman?
    One can file a complaint with the Banking Ombudsman simply by writing on a plain paper. One can also file it online or by sending an email to the Banking Ombudsman. There is a form along with details of the scheme in our website.However, it is not necessary to use this format.


    9. Where can one lodge his/her complaint?
    One may lodge his/ her complaint at the office of the Banking Ombudsman under whose jurisdiction, the bank branch complained against is situated.
    For complaints relating to credit cards and other types of services with centralized operations, complaints may be filed before the Banking Ombudsman within whose territorial jurisdiction the billing address of the customer is located.
    Address and area of operation of the banking ombudsmen are provided in the annex.


    10.Can a complaint be filed by one s authorized representative?
    Yes. The complainant can be filed by one s authorized representative (other than an advocate).

    11. Is there any cost involved in filing complaints with Banking Ombudsman?
    No. The Banking Ombudsman does not charge any fee for filing and resolving customers’ complaints.



    12. Is there any limit on the amount of compensation as specified in an award?
    The amount, if any, to be paid by the bank to the complainant by way of compensation for any loss suffered by the complainant is limited to the amount arising directly out of the act or omission of the bank or Rs 10 lakhs, whichever is lower.


    13. Can compensation be claimed for mental agony and harassment?
    The Banking Ombudsman may award compensation not exceeding Rs 1 lakh to the complainant only in the case of complaints relating to credit card operations for mental agony and harassment. The Banking Ombudsman will take into account the loss of the complainant s time, expenses incurred by the complainant, harassment and mental anguish suffered by the complainant while passing such award.


    14. What details are required in the application?
    The complaint should have the name and address of the complainant, the name and address of the branch or office of the bank against which the complaint is made, facts giving rise to the complaint supported by documents, if any, the nature and extent of the loss caused to the complainant, the relief sought from the Banking Ombudsman and a declaration about the compliance of conditions which are required to be complied with by the complainant.



    15. What happens after a complaint is received by the Banking Ombudsman?
    The Banking Ombudsman endeavours to promote, through conciliation or mediation, a settlement of the complaint by agreement between the complaint and the bank named in the complaint.
    If the terms of settlement (offered by the bank) are acceptable to one in full and final settlement of one s complaint, the Banking Ombudsman will pass an order as per the terms of settlement which becomes binding on the bank and the complainant.



    16. Can the Banking Ombudsman reject a complaint at any stage?
    Yes. The Banking Ombudsman may reject a complaint at any stage if it appears to him that a complaint made to him is:

    • not on the grounds of complaint referred to above
    • compensation sought from the Banking Ombudsman is beyond Rs 10 lakh .
    • requires consideration of elaborate documentary and oral evidence and the proceedings before the Banking Ombudsman are not appropriate for adjudication of such complaint
    • without any sufficient cause
    • that it is not pursued by the complainant with reasonable diligence
    • in the opinion of the Banking Ombudsman there is no loss or damage or inconvenience caused to the complainant.

    17. What happens if the complaint is not settled by agreement?
    If a complaint is not settled by an agreement within a period of one month, the Banking Ombudsman proceeds further to pass an award. Before passing an award, the Banking Ombudsman provides reasonable opportunity to the complainant and the bank, to present their case.
    It is up to the complainant to accept the award in full and final settlement of your complaint or to reject it.



    18.Is there any further recourse available if one rejects the Banking Ombudsman’s decision?
    If one is not satisfied with the decision passed by the Banking Ombudsman, one can approach the appellate authority against the Banking Ombudsmen’s decision. Appellate Authority is vested with a Deputy Governor of the RBI.
    One can also explore any other recourse and/or remedies available to him/her as per the law.
    The bank also has the option to file an appeal before the appellate authority under the scheme.



    19. Is there any time limit for filing an appeal?
    If one is aggrieved by the decision, one may, within 30 days of the date of receipt of the award, appeal against the award before the appellate authority. The appellate authority may, if he/ she is satisfied that the applicant had sufficient cause for not making an application for appeal within time, also allow a further period not exceeding 30 days.


    20. How does the appellate authority deal with the appeal?
    The appellate authority may
    i. dismiss the appeal; or
    ii. allow the appeal and set aside the award; or
    iii. send the matter to the Banking Ombudsman for fresh disposal in accordance with such directions as the appellate authority may consider necessary or proper; or
    iv. modify the award and pass such directions as may be necessary to give effect to the modified award; or
    v. pass any other order as it may deem fit.

  2. #2
    admin is offline Administrator
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    Default Customers can now appeal against the Banking Ombudsman's Decision

    Customers can now appeal against the Banking Ombudsman's Decision


    Amendment - May 2007
    Bank customers can now appeal against the decision of the Banking Ombudsman where he has rejected the customer's complaint relating to matters falling within the grounds of complaints specified under the scheme. The Reserve Bank of India has amended the Banking Ombudsman Scheme, 2006 to enable the customers to appeal against the Banking Ombudsman's decision. The amendments are available on the RBI website. Before the scheme was amended, the bank customers could appeal only against the awards given by the Banking Ombudsman. The appellate authority for the Banking Ombudsman Scheme is the Deputy Governor of Reserve Bank of India.


    It may be recalled that in the Annual Policy for 2007-2008, the Reserve Bank had announced that based on customer feedback, it would amend the Banking Ombudsman Scheme, 2006 to extend the appeal option also to the decisions of the Banking Ombudsman.
    Originally introduced in 1995, the Banking Ombudsman Scheme enables speedy and cost effective resolution of complaints of bank customers relating to deficiency in bank services. The Scheme now covers all Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks. The customers can also now complain to the Banking Ombudsman against deficiency in almost any banking services, including credit cards, after exhausting the channel available with the bank concerned for resolving their complaints. The Reserve Bank has appointed 15 Banking Ombudsmen who are located mostly in State Capitals under the Scheme. The Banking Ombudsman tries to resolve the complaint through conciliation or mediation and even passes an award if it is not resolved through such settlement.

    Press Release : 2006-2007/1608

  3. #3
    admin is offline Administrator
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    Default Amendment - February 3, 2009

    RBI amends Banking Ombudsman Scheme: includes complaints relating to Internet Banking and Non-adherence to BCSBI Code

    The Reserve Bank of India has widened the scope of its Banking Ombudsman Scheme 2006, to include deficiencies arising out of internet banking. Under the amended Scheme, a customer would also be able to lodge a complaint against the bank for its non-adherence to the provisions of the fair practices code for lenders or the Code of Bank's Commitment to Customers issued by the Banking Codes and Standards Board of India (BCSBI). The BCSBI is an independent and autonomous watchdog set up by the Reserve Bank to monitor and ensure that the codes and standards adopted by the banks for rendering banking services are adhered to in true spirit.

    As per the amended Scheme, the Banking Ombudsman can award compensation not exceeding Rupees one lakh to the complainant in the case of complaints arising out of credit card operations, taking into account the loss of the complainant's time, expenses incurred by him as also, harassment and mental anguish suffered. Further, non-observance of the Reserve Bank's guidelines on engagement of recovery agents by banks has also been brought specifically under the purview of the Scheme.

    Any customer who has a grievance against a bank can complain to the Banking Ombudsman in whose jurisdiction the branch of the bank complained against is located. Some banks have centralised certain transactions, like housing loans, credit cards, etc. If there are complaints regarding such transactions, complaints would have to be made to the Banking Ombudsman in the State in which the bank customer receives the bill.

    In addition, the Reserve Bank has simplified the format for lodging complaint to the Banking Ombudsman. Though the complainant need not lodge his complaint in a specific format, the Scheme now provides for an easy-to-fill format for lodging complaints, in case complainants prefer to use it. The jurisdictions of the Banking Ombudsman at Kanpur, New Delhi, Chandigarh, Chennai and Thiruvananthapuram have been rationalised to include/exclude certain areas taking into account the geographical proximity of those areas to the Office of the Banking Ombudsman.

    The amended Scheme however, does not include certain banking transactions, such as, failure to honour bank guarantee or letter of credit, etc. Complaints on these areas of banking services are insignificant in number.

    For wider dissemination, the Reserve Bank has asked all banks to place a copy of the Banking Ombudsman Scheme on their website.

  4. #4
    vkguptaca2003@yahoo.com Guest

    Default Complaint for Interest rate on deposit

    Interest rate less than 4% and against RBI intention to keep minimum interest rate as 4% on saving.

    This is regarding complaint against Axis Bank, Model Town which is paying interest on deposit @ less than 4%. RBI has declared the minimum interest for saving deposit as 4% but bank is still continuing for less than 4% for deposit less than 1 month which definitely appears unjust.

    Please help me on this.

    Vikas Gupta
    09971392912

  5. #5
    SaiRamdev is offline Junior Member
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    Dec 2011
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    Default

    Hello Admin,
    Is Banking Ombudsman is really competent enough to resolve Bank relates issues esp. Home loans, coz in my case, it's very clear my loan amount was disbursed with the forged signatures. Even when i explained the issue, official said, they cann't do anything and i need to approach consumer court regarding this. In such case, what purpose does this Banking Ombudsman serve ? Pls advise.

  6. #6
    TRIPURARIKUMAR_0123 is offline Junior Member
    Join Date
    Feb 2012
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    2

    Post Rs.20,000/- has been deducted more form my account

    To, UCO DEPARTMENT, Kahalgaon, Bhagalpur – 813203
    SUB: Rs.20,000/- has been deducted more than the Amount withdrawn Rs.38,000/- from the ATM - no.: DELON-501 of KOTAK MAHENDRA BANK, in @@@@hi Nagar, Delhi.
    Sir / Mam,
    This is Mr. Tripurari Kumar the account holder of the UCO Bank in Kahalgaon Branch. My saving account no.: 194 001 0000 1113. On Date: 01 July 2010 I had withdrawn the amount from ATM No.: DELON-501 of KOTAK MAHENDRA, in @@@@hi Nagar, Delhi – the transactions are as follows:
    First Transaction made on Dt.01-07-2010 Rs. 10,000.00
    Second Transaction made on Dt.01-07-2010 Rs. 10,000.00
    Third Transaction made on Dt.01-07-2010 Rs. 10,000.00
    Forth Transaction made on Dt.01-07-2010 Rs. 08,500.00
    Total Becomes Rs. 38,500.00
    This Rs.38,500/- was withdrawn out of Rs.58,888/- and the balance should remain in my account Rs.20,388/- But this is not the fact, the fact reflects something else i.e., Rs.20,000/- lesser from my account and made the balance to Rs.388/- only. Where this missing amount Rs. 20,000/- went? This is argument about what I am talking about.
    I need this amount Rs.20,000/- back in my saving account which has been deducted more on Date.01-07-2010 from my account by the defaulter ATM MACHINE No. DELON-501 or from the UCO BANK SOFTWARE or any such technical problem from your side. Neither I have drawn this amount nor I have received.
    Its very amazing that how the transaction could be more than Rs.40,000/- on the same day as per according to the rule. And here the transaction is being Rs.58,500/- on the same day i.e., Date:01-07-2010. My account reflects the total transaction and it is often initialized by the UCO Branch Manager and the important file is attached along with this application that I have sent the complain before.
    Here, I am submitting the discrepancy details which miss happened from my saving account on date: 01-07-2010. If this happenings remains in such a manner then, how the people will survive and whom to blame. And do how much I feel secure in keeping the amount in UCO BANK. I have sent the remainder and the complaint about these aspects.
    It would be kind cooperation to rectify the error what happened in my account and please waiting for the promptness.
    Thanking You
    [IMG]file:///C:/DOCUME~1/NADISH~1/LOCALS~1/Temp/msohtmlclip1/01/clip_image002.jpg[/IMG]
    TRIPURARI KUMAR

  7. #7
    Unregistered Guest

    Default Complaint Under Section 12 of The Consumer Protection Act 1986

    COMPLAINT AGAINST STATE BANK OF INDIA DOMBIVLI WEST BRANC
    1. COMPLAINANT -Mr.SARFARAJ HAMID KHAN
    ADD- FLATNO.4/5 SAI NIWAS GULMOHAR COMPOUND NANDIVLI P & T COLONY DOMBIVLI (EAST)


    VERUS


    2.STATE BANK OF INDIA MAHATMA @@@@HI MARG NEAR MAHILA GRIHA UDYOG DOMBIVLI WEST BRANCH




    RESPECTFULLY SHOWETH

    1.That the complainant is a resident of flat no.4/5 sai niwas gulmohar compound nandivli, P & t colony Dombivli east, Thane ,Mumbai had drawn a sbi life smart
    performer policy from opposite party2.bearing the policy no.44030030403

    That the facts of the present case ,in brief, are as follows

    2.The complainant had submitted the application form to opposite parties on 14th oct.2011 at the time enrolling the policy,opposite parties officer failed to provide correct information about the policy instead,the complainant was updated with wrong information he was promised that the policy would be delivered to him within 15 days but oppsite parties failed to deliver complainant the policy as commited and he received the policy after 1 1/2 month the approximate date on which the complainant received the policy between 2nd dec.2011to 4th dec.2011

    3.That as the complainant failed to keep up their promise of delivering the document as commited the complainant presumed that there were high chances that the opposite parties may also fail in providing the complainant the settelment amount also when asked for information the complainant was not given proper answer opposite parties officer gave the complainant his contact number in case he had any queries but when the complainant tried to contact the officer the number could not be reached and it seemed to be a wrong number

    4.That with opposite parties continous negligant approach towards the complainant he decided to return and cancel the policy the document were returned to opposite parties on dec17th after 13 days of receipt by the complainant however once again opposite parties failed to look into the matter and after few days
    they sent complainant a letter stating that the policy was out of the free look period the complainant had requested opposite parties to provide him the deta ils
    of all the corrospondences and letters but opposite parties failed to do so

    5.That the complainant received another email from opposite parties stating that "the policy was dispatched to the complainant on oct 29 2011 and same got undelivered the policy document redispatched by registered post on november 15,2011 thereafter opposite parties were not in receipt any cancelation request (but in this period complainant was done a cancelation letter to opposite parties which are missplaced from complainant so that complainant asked to opposite parties about all of corrospondance done between complainant and opposite parties buti opposite parties failed to do so )

    6.That this Hon,ble forum has got pecuniary jurisdiction to entertain this complaint as the compensation claimed does not exceed Rs 2000000/-

    7.That the opposite has inflicted enormous amount of mental agony and financial loss on the c omplainant

    8.the present complaint is within the limitation as prescribed under the act because the deficient service was provided to the complainant by the opposite parties

    9.That the complainant has not filled any such or similar complaint before hon,ble court or no such or similar complaint is pending adjudication before any competent court of law
    It is ,therefore ,respectfully prayed that this Hon,ble Court may kindly be pleased to
    1.direct the opposite parties to apologize for all the inconvenience caused to the complainant

    2.direct the opposite parties to cancel complainants policy and also refund the loss suffered by him to an amount of Rs 100,000/-

  8. #8
    Jyotsna Gandotra is offline Junior Member
    Join Date
    May 2013
    Posts
    1

    Default Un Law ful lien On my account no 031105500101 ICICI GK-2 ,New Delhi

    Dear sir ,request for your intervention reg the LIEN on my current account with ICICI bank, Greater Kailash 2 ,bearing account no 031105500101 .
    I want to bring to your notice that this is my business running account ,I am now scared to bring in any money into this account as I feel they will again with hold that remittance too.
    I would like to bring forward that I have been in in constant email conversation with the bank (head icici credit cards) since june 2012 (i can forward you all the correspondence for your reference ),where in you will see i have been actually persuing and sending reminders as they had no replies to my queries.
    Finally in feb 2013 when the bank did not have any replies on my query ,i received a mail from them that the matter stands close from their side ,for which I asked them what does it mean by ( matter stands close at our End) .The bank again replied with the same mail saying the matter stands close at their end as they have no reply to my queries ( i can forward you the same for your reference ).
    In the last week of March i.e 24th march2013,i received a letter from ICICI that they have put a Lien on my account .
    Since then I have been sending them mails / reminders ,no body has reverted.
    Pls note ,if you check the records you will see that my constant mails and their having no reply to my queries / mails .
    Then finally their (ie ICICI ) sending me mails saying that they cannot clear my queries therefore matter stands close at their end .
    .
    I request you to look into the matter and help me as this is my business account and i am facing a lot of financial loss and mental stress .
    thanking you / jyotsna
    mobile no 9871149996
    REFERENCE no , ICICI Care=003-258-011
    ICICI care=003-258-011

  9. #9
    Anshu Bansal Guest

    Default Barclays Card Harassment Calls by Kotak Mahindra

    Dear Sir
    I have been receiving threatening, obscene and harassment calls from three numbers 011-49021513, 01149021512 and 01149021511. The person clams to be calling from Kotak Mahindra Bank and is threatening and using extremely obscene language. I have been received over more than 100 calls a day from 09-05-2013 till date. They are calling my office and Directors of my Institution . I am very much disturbed by this as they are calling me and my office phone numbers(0120-2675904,2675905) and degrading my image in front of my staff members by making the call again & again over and again through phone 011-49021513 , 011-49021512 and 011-49021511 by using abusive language for me. I have spoken to him calmly and explained that I don’t have any kind of disputed matter with your bank. Neither I have made any kind of money transaction through your bank nor did I have ever deal with any kind of CREDIT/DEBIT card of your bank or any other bank. In spite of that they are continuously threatening me on my mobile 9873280467 however he has started to call my husband 9811171842 and threaten them too since 09-05-2013. The person states my address and threatens to get me killed and harm my family members. He has been passing obscene abusive comments to my family members and me.

    I never had any kind of Bank account in BARCLAY’S BANK/KOTAK MAHINDRA BANK. The person has been abusing and threatening me and my family. I have already logged a my complaint to DIG, Utter Pradesh/SSP, Ghaziabad/SSP Crime, Ghaziabad/ADG Law and other IGA to DGP/IG Zone, Meerut/ACP Delhi Police/Commissioner Delhi Police under sections 507 (criminal intimidation) and 509 (insulting modesty of a woman) , Section 499 in The Indian Penal Code, 1860 499.

    Anshu Bansal
    Joint Secretary
    IAMR Group of Institution
    9th Km stone Delhi Meerut road
    NH – 58 Duhai Ghaziabad
    Pin 201206

  10. #10
    Kotak Support is offline Senior Member
    Join Date
    Oct 2010
    Posts
    391

    Default

    Dear Mr. Bansal,

    Apologies for the inconvenience caused. We would like to inform you that your concerns have been forwarded to the respective team for further investigation. We assure that you will be in receipt of a revert from them shortly. Alternatively you may also write to rard.customercare@kotak.com along with your concerns / contact number enabling them to reach you faster & address all your concerns to your satisfaction.

    Assuring you of our best services at all times.

    Thanks and regards,
    Kotak Team.

  11. #11
    Unregistered Guest

    Default

    i am a regular client of hdfc bank bhiwani. now i have to open new accounts of my sons and their huf accounts. but after so many visits and phone calls they are not openning our accounts.the staff and branch manager of bhiwani hdfc branch are very careless andof rude behaviour. please take necessaty steps to take action against them. so that they behave properly with other customers.and please assure me to open my accounts.



    raman garg bhiwani haryana

  12. #12
    Arijit ROy Guest

    Default O/D a/c with standard charterd Bank

    Sir/Mam
    I am Arijit Roy . I have a o/d a/c with Standard Charterd Bank . I take the facility in the year of 2008 when I working with HDFC Bank . Then I use it and also I made the payment against my usage .
    A long time I was in unemployment , thatswhy I am failure to make the payment on this a/c .
    In between my address is changed . Bank kow it .
    Now I am Working with a Organaigation where my salary is Rs8898 .
    Two manager ( Mr Samit and Mr Gurbinder ) came to my houce and told me to pay either Rs7000 p.m( for six month) or Rs37000 .
    I told them this is impossible to me becuase my salary is Rs8898 . I told them I can pay Rs3500 p.m (for 12 month ) .
    They didn't agree .
    Now they are sarting harasment to my parents ( both are cardiac and neuro patient ) . and force to make payment .
    I need only time what they not give me . I always interested to pay my loan of the bank . But Mr Samit and Mr Gurbinder not listening my words . They continusly rinh to my fathers and shouted for the the payments.
    I can pay against of loan . I need lesser amount longer time .
    Pls help me .
    Regards,
    Arijit Roy

  13. #13
    Unregistered Guest

    Default Deemat account opened by Axis Bank without my knowledge and deducted Rs 6200/-

    Hi,

    I am Ravi chandra, a salary saving account holder in Axis Bank since october 2010. My customer ID is 835886672 and Account number is 910010030272223 and my account is in AnnaNagar Branch, Chennai.

    one of the Axis bank representative visited my house and told me that they selected me for premium customer and it is free of any charges and have many benefits, i double checked with him about charges and he clarified there is no charges, it is free of cost as i have maintained a healthy balance in account for more than a quarter agreed to him and he gave me a form to sign claiming that you need to fill a form for Premium account. After 15 days an amount of RS 6172/- was deducted from my account and i found that they have opened my Deemat account and I immediately complaint to axis bank, Then I was contacted by Anna nagar branch saying it was mistake from their side and they will refund my amount and they requested me to take back the complain as this is branch's responsibility to get my money back and again i agreed and took back my complaint. Now it's been 10 month of that incident and they did not refund my money, i have invested hundreds in calling and messaging their representative but every time they gave new excuse.

    Request you to please take necessary action in getting my money back with 10 months of interest or advice me what action can be taken to tackle this kind of problem, I have email trail with anna nagar bank branch discussing about the refund and fake promises from their side. They are cheaters and I am thinking of filing a case of forgery. How can they open any deemat account without my approval and deduct INR 6172/. I have never activated and used their deemat account and i don’t have any knowledge of what this is.

    I want my money back with interest and compensation for mental torture and time-wastage in unnecessary follow-ups with axis bank after every 10 days for continuously 10 months.

  14. #14
    Unregistered Guest

    Default Money Debited from SBH Savings account but Cash not received from ATM

    Dear Sir /Madam,

    This is with regards to the amount debited from my account , where as i did not receive any money from the atm.


    Mentioning my credentials -

    Name- santhoshima koppula
    A/C No- 062173465300
    Date of Transaction:16/07/2013 (between 11:00am to 1:00pm)
    Address- Aler.
    Branch- Aler


    This is with regards to the 10000 rupees debited from my account.

    I used SBH ATM card associated with A/C no:62173465300(Aler Branch) on 16/07/2013 to withdraw 25,000/- from HDFC ATM located at Madhapur,Hyderabad between 11:15 am to 11:45 AM. I withdrew 1)10,000/- 2)10,000/- 3)5,000/- from ATM but it is showing as 3 times 10,000/- and 1 time 5000/-(Total 4). When I tried for the first time it showed as Transaction Declined Message on ATM screen but still the amount got debited from my account. Can you please look into this and give me my money back. When I went to ALER SBH Branch to submit written complaint they are not at all accepting the complaint saying that they need Transaction slip. But when I did the transaction there were no print slips coming form the ATM Machine. When we say this to the Bank authorities they are not listening. Please help me in getting my money back.

    I request you to Kindly see what the problem is.

    Waiting for an early and positive reply.

    Santhoshima Koppula
    8978899376

  15. #15
    Unregistered Guest

    Default HSBC Visa Credit Card Dispute - Debitted amount from Saving Account & Extra Charges on outsatnding

    Dear Team,

    Please find below my credentials to understand my case in better prospective -

    Name- Neeraj Kumar Sharma
    Contact Detail - 9717699406/011-26345304
    Credit Card No - 4862698902782259
    Card Type - Visa
    Bank - HSBC

    I would like to inform you that I was valued customer of HSBC for very long time (4-5 Years) but Now I have a dispute & problem with the bank. I have salaried account with them from last 4-5 yrs, they have offered visa credit card without any request with the limit of 50000 INR because of my account maintenance. Initially there was no problem while using the card but payment was delayed one time from my end then they have started deducting the amount directly from saving account to Credit card account without my information & even there was no deduction in outstanding as well. They were just deducting late payment & financial charges near about 2000 INR every month from my saving account. It was done from their end on continue basis because I was not able to check my account due to professional commitment. Later on I came to know about the fact that They have deducted more than 10K from my saving account & then told me to pay outstanding of 36457.50 INR instead of 28000 INR that was total amount used by me.

    I was always interested to pay the amount & tried to discuss so many time with them to settle it but I was getting the warning related to CIBIL & your credit history will be spoiled. Either pay the same amount or else be ready for the consequence & same they have done it also. Now outstanding is more 45000 INR & they have put down my case in CIBIL also, even they have spoiled my credit score which is only 647 right now. I have already paid more 10K which is deducted from my account & now they are asking to pay more than 45000 INR also to settle it. I was ready to pay it in installment also as per my discussion with concern manager but she was not agreed & now they are giving me the same option to pay total outstanding in installment

    I have communicated through mail & phone so many times with them but they didn't give me any satisfactory answer. They were not allowed to deduct the amount from my saving account but they did it on continuous basis without informing me that was not even informed to me before offering the card, due to this issues I had to shifted my total saving amount to another bank then they came to me to settle the amount with extra charges with one time payment option not any installment.

    Request you to have a look into the matter because Its a kind of harassment is done by bank, they have spoiled my credit history without any reason even though I was always interested to pay the amount. They have breached the code of security & trust also deducting the amount from my saving account directly.

    They should have discussed before with me deducting the amount from my saving account otherwise I would have paid the entire amount at same time but they didn't because they were getting extra amount from saving account without any deduction in outstanding. They have enjoyed the extra money also & now they are asking more amount which is just double to the total amount used by me.

    Please let me know who will pay more than 45K at cost of 28K even they have already got more than 10K from my saving account. I was always cooperating to the bank to settle it in smooth manner. I have all the mailers communication with me & so many calls also done for the same.

    Request you to have a look into this so that they may be punished for the harassment & security threats they have given to me after being a valued customer to the bank. I don't have any balance in my saving account because of this issue, Now I have been associated with another bank even they didn't respect the long-Lasting relationship which I had with the bank.

    Thanks & Regards
    Neeraj Sharma
    #9717699406

+ Submit Your Complaint
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