Incorrect amount charged?

Question

Respected Sir, I would like to request a refund of all the default charges that have been applied to my account. I have Savings Account  maintained with your  Bank. In the month of October 2015 the sum of Rs. 1950 incorrectly deducted from my savings account on 30th October 2015. I claim a refund for the same. I attempted to withdraw this amount from an ATM of your bank located at the below mentioned address. Address of the ATM, Charkop, Kandivali West, Mumbai- 400067. Several time the amount was deducted from my saving account because of other ATM's withdrawal I agree with that. But when I called to Customer Care Department they told this is the yearly charges that we are deducting from the account i agree with the charges of Rs. 300. Then in the month of October 2015 I was withdrawing the sum of Rs. 1950, it was not withdraw it was showing me the ledger balance to my account. I'd Spoke to Customer Care of bank department they don't know why I got Charged. I also told them to refund of my Amount the Customer Care Department told me visit the branch i visited in Andheri, Sakinaka Branch of yours still No reply. I know that from your bank I had been Wrongly Charged.I have all the messages that i got charged but in this There is absolutely no doubt that this was an erroneous deduction. Kindly scrutinize the error and refund the amount back into my account. I would be grateful if this could be done without further delay as I am undergoing a financial trouble these days. Thank you. Yours Truly, Harshal Jadhav

Answer 1

Dear Harshal

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.

I assume that the bank levied charges on your account due to non maintenance of 'minimum average balance' that would have been prescribed to the scheme of your SB account.  If you are sure that the charges have been wrongly levied, do give a written complaint to the branch manager.  If no positive response is being received, you may choose to further escalate it to the bank's senior management.  You may visit the bank website and mail your complaint to the Nodal / Grievance Redressal officer.  You can find contact details of Nodal Officer on your bank's website. In case you do not get desired response, please do not hesitate to write to BO. For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website, https://bankingombudsman.rbi.org.in/

RAJA