Dispensing of defective 500/ - note from bank atm?

Question

Dear Sir / Madam, 

I withdrawn Rs. 2000 from bank ATM Fort Branch Jhansi date: 02/11/15, Time: 18:58).
I received Rs.500 note badly defected & Old.

Here, it's a very serious concern that how the bank will accept that the defective note is due to their fault, and will commit the replacement. What the user should furnish to the bank to prove that whatever he / she is complaining is justified & should the bank should immediately replace the defective note.

Answer 1

Dear Raheem

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.

You should be reporting the matter to your home branch in writing under proper acknowledgement.  Certain Banks do keep a Register for Complaints at the ATM center.  Trust, you might have made an entry therein for the sake of records.  Generally, the branches would exchange the defective notes forthwith, after satisfying themselves that the note actually got dispensed from their ATM only, may be based on CCTV footage etc.  If the branch officials are not responsive, you may take the complaint forward as per the hereunder given process.

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