Unexpected/unreasonable deductions and want money back?

Question

Hi, I have come across some unexpected and unreasonable deduction from my bank account. I am bothered and pissed off by reporting this issue to the customer care dept. of bank several times leaving without any result/solution. The story is last month unexpectedly my debit card blocked, I rushed to nearest bank branch(Faridabad) also made the calls to customer care many times to know the reason but they couldn’t help me to explain it, why it was blocked…OK, I again rushed to bank branch to provide me a debit card, they issue me a very basic debit card(Rupay) and told me that will charge for this card something Rs 150+service tax, that equals lump sum Rs 170. I said yes despite the fact that my earlier card was blocked without any reason. But my account has been deducted with Rs. 855 two times, summary listed as: 04 Aug 2015 DEBIT CARD ISSUANCE FEE 170715 04 Aug 2015 855.00 19 Aug 2015 DEBIT CARD ISSUANCE FEE 070815 19 Aug 2015 855.00 Can you please help to return my money back which deducted without my permission, reason, explanation or again I need to make calls to customer care and make understand the issue. Seriously I am feeling helpless from last few days as bank’s response is not mature and sensible. Please help me to get my money back (Rs 1530.00) as soon as possible. Also I believe the bank will grow forth by maintaining its integrity and faith in its customers. I hope you will help me best. Best regards.. Anil Rawat

Answer 1

Anil,

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers to provide guidance for resolution of any complain/query in respect of financial services. This site does not belong to any Bank nor a regulator, which may please be noted.

After having gone through your mail carefully, I am of the opinion that you write directly to the nodal officer - grievances whose coordinates would be available on the Bank's website. If you have called Customer Care number several times, please do not pursue the matter further, rather escalate to nodal officer. If your complaint is not resolved by the nodal officer, you may approach Banking Ombudsman/Consumer Forum for resolution of issue. Needless to mention, please keep a record of mails exchanged and any other document in support of reversal of charges.

Regards

Deepak