Bank charges?

Question

My saving account open in bank dated: 09/10/2014 in special sachem as zero balance account, and in my account balance is rs. 1040.41 /-, i will give rs 1040/- chaque, bank has return this cheque and rewrite reason for return cheque is fund insufficient, and bank charge cheque return charges rs. 399/-. Second is educative of bank call us no any charges for sms. And bank charge per month charges, for this i go to bank and complain for it but bank manager has not take any action for it, and bank also charges atm charges for which atm has not active by bank. For this i have complain to bank for my atm activate sent my pin but bank exucative answer me i have complain at bank main barch and bank deducated my atm charges.

 

Answer 1

Dear Anushka

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Please follow the process enumerated hereunder to get your grievance redressed.

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