Bank Deduction of charges SMAB & SBC from account without informed me?

Question

My Account (KAMLESHKUMAR B CHAUHAN), which was a Salary A/C. There was zero balance in account from 17/08/2015 to 30/11/2015. They have debited my account with SMAB Chgs DEC15+Stax65.25 on 27, Jan 2016, without any intimation. Kindly look into this matter and initiate a refund process.
Request to look into this matter and take necessary action.
Why did they charge only for December and not for November and October?

 

Answer 1

Hi Kamlesh,

At the outset please note that this site is managed by a group of Banking Professionals to assist Bank Customers to raise any complain/query in respect of financial services and to advise them suitably for resolution. This site does not belong to any Bank nor a regulator and we can not take up your case directly with your Bank.

When a customer opens an account, he / she signs a charges structure sheet (part of the account opening form). Please go to your branch or the nearest branch and demand to see the said charges structured sheet signed by you. If after opening of the account, the Bank increases / decreases the charges, the same is notified by (a) your account statement, which is received physically or through email, (b) published in the bank's domain, (c) through notice displayed at the branches. Please visit the nearest branch & enquire about the charges applied on your account and ascertain the means through which the customer has been notified about the change in charges. If you do not receive proper response, register a complaint with the branch under copy to their Customer service cell.

From the above if you find that the Bank has committed the mistake and you are not supposed to be penalised or the Bank has never informed you about the charges, 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 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 within your jurisdiction (either through letter or email), whose website is https://bankingombudsman.rbi.org.in/