Mistakenly freeze my account and now cannot unfreeze?

Question

I applied for a bank account at sector 48, Noida in July 2015. Bank took a month to do the paper works and that too after constant follow up. I used to get reply that "I am on leave", "I have left Bank" from Sector 48 branch. After a month finally my welcome kit was dispatched. The courier company called me that they will visit to deliver, but nobody delivered. I again followed up with bank and after 2 weeks they redelivered. This time again it was delivered to a neighbour family and not my address. It took 3-4 days to figure out where they delivered.

After receiving my welcome kit sealed, I tried to use my debit card but it said the account is freezed. I went to the bank on 20th September, 2015 to file an application to unfreeze my account. After a very derogatory response he told me someone will again visit my address and then they will unfreeze the account. I said my address is same on my PAN card, Passport, Aadhar card. What else proof do they need to verify my address. But the manager still talked like avillager and said he cannot say address is correct till someone visits my address. Absolutely stupid!!!

Now, itt has been more than 2 weeks and nobody visited my address nor they are responding why my account is stillfreezed. I have 30,000 INR of my money in the account which I cannot use and cannot retrieve.

Now they are asking to revisit the bank branch and re-file an application. I am asking to close the account and for that they want the account unfreezed to proceed. It is completely frustrating and I regret to have gone for bank.

My Details 
Name: Archit Pandey
Address: Sector 93 A, Noida



 

Answer 1

Dear Archit

Really a sad story of pathetic services by the Bank.  Please complain to the senior management of the bank and banking ombudsman, as per the process stated here under.

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

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)

RAJA