Unnecessary Debits into my sb A/c?

Question

I have one sb a/c since 2004  hava to mention rs 5000/- minimum balance .when this branch become urban branch, they hava not informed that you have to maintain rs 10000/ now but they have started deducting amb charges from 10/01/2014 without informing me and made my balance from 7588/ to rs 120.11 .this a/c is also senior citizen aicwhere i have to keep just rs 5000/- threre for i request you to reverse all the amb transactions from 10/01/2014 till 7/09/2015 under informatiom to me with in 7 days time i shall be thank ful to you

 

Answer 1

Hi Mehra,

If the Bank increases / decreases any charge or changes existing terms & conditions, the same is notified (a) through your account statement, which is received physically or through email, (b) published in the bank's domain for public knowledge, (c) through notice displayed at the branches. Please visit the nearest branch & enquire about the same and ascertain the means through which the customer is notified about the changes. When you noticed debiting of the charges in January, 2014, why did you not maintain the requisite balance of Rs.10,000/- in your account if the Bank had notified the customers through appropriate channels ? Had you taken up the matter with your Bank in writing and kept the acknowledgement copy with you ? If yes, even though your case sounds weak, please follow the below steps :-

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online furnishing the details.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)