False Transaction from my account.?

Question

I went to Bank Phoolpur Banaras ATM on 18th of Feb to transact Rs. 1000/- but Rs. 10, 000 was deducted from my account and not a single note comes out. Then I got message of deduction I thought that it would be refunded but it didn't . I complain about this to my branch at lucknow . But getting no response from there till date. Ratan Lal Patel

Answer 1

Dear Ratan

At the outset, let me clarify that this site is designed and managed 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.

Was your complaint to the branch in writing?  If not, immediately submit a written complaint to the home branch and wait for their revert.  If the branch is not responding or response is not to your satisfaction, you may take it up further, as per the process given here under.

1.    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).  Nodal Officer details would be available on bank's website.

2.    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)

3.     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).  For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access their website https://bankingombudsman.rbi.org.in/.

RAJA