Hi,

I Kawaljeet Singh customer (account no: 606210110000567) of your BANK OF INDIA, Mukherjee Nagar branch. I would like to complaint about two instances which I have gone through.

First Instance: It happened on 19th May’09; When I went to the branch for a Fixed Deposit for 1 Lakh Rupees and met a branch employee who assisted me with the same, however, he DID NOT give the complete information about the same. (I especially asked the branch employee, if I can withdraw the money anytime, he said; you can. Also, I asked him; Can I get rebate in Income Tax with this Fixed Deposit? then he suggested me to get STAR SUNIDHI Fixed Deposit. I asked him to process this Fixed Deposit. But he didn’t clarify/ infom that I CAN NOT cancel the FD before 3years, which I saw a day later. I visited the branch again to get it clarified, where I had a word with the branch manager. He replied, that you cannot cancel it before the lock in period of 3years. I requested him to cancel it asap as I was never told about the terms & conditions of the FD & on top of it LOCK IN FOR 3YRS was written manually. I stated that I would never want to block my money for 3years, I’m completely fine with a normal fixed deposit, even I don’t get a tax rebate.)

Second Instance: It happened on 10th June’09; when I went to the branch to get my savings account Passbook updated at 2:15pm, but I saw that channel gate was closed because of LUNCH time. In the meantime, I thought to withdraw some money from the ATM. I noticed that gate got opened & there were about 10-12 customers in the branch premises. I stood in the queue to get the passbook updated, meanwhile, one of the branch employee interrupted & asked (the person who was updating the passbook’s) to update the passbook for another customer who was not in the queue. Around 2:23pm, my turn came and branch employee asked me to come after 2:45pm, I asked for the reason, he replied; it’s lunch time at the moment. I asked him to update it as he has updated it for two other customer’s in the lunch time. Though, the lunch time is 2:00pm to 2:30pm, but he asked me to come after 2:45pm. I just don’t know, why is he not aware of the office & lunch & working timings? Then, I walked up to the manager, he replied; that it’s his choice if he’s working in the lunch time, I cannot force him to do it. I told him what exactly happened, he just suggested me to write a complaint in this regard.

Now, I would want you to look into the matter at the earliest. And would like to get my Fixed Deposit No: 606246010000002 canceled or converted into a normal fixed deposit & would want you to take some action about the second instance.


Thanks & Regards
Kawaljeet Singh
9654417494