Unauthorized charges against salary account?

Question

Salary Account created in Feb, 2015 at during my Ignite training. However, my account is charged against AMB CHRG INCL ST & CESS of amount 398.75/- per month from Feb 2015. Have raised this issue to bank managers and have been following up with this incident from past 1 month with no response and updates. Request you to look into the same.

 

Answer 1

Hi Akshata,

Generally Salary linked SB a/c is a ZERO balance account (please verify the terms & conditions with your Bank; demand to see your account opening form to find out this point). If you find that your account was opened under ZERO balance term, 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 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)