Invalid Charges without even intimation?

Question

I had INR 1678.55 in my account on 17th October 15, when I wanted to withdraw money on 19th October 15 it said i don't have sufficient funds, when I checked my e-statement it showed INR 1491.23 has been debited because of consolidated Ac charges as well INR 208.77 has been debited as service tax at 14% on charge.But my whole account balance is now INR -2139.22, which means bank has debited around INR 3500 from my account without even letting me know. Customer service representative (libin and his support manoj) were not able to provide any justification for the charges whereas manoj hung up the call, I visited the local bank branch (Thane east Kopri) they were not able to pull up the charges on their system I waited for 2 hrs but they were not able to fix my problem. I request bank to look into it and fix the charges.

Answer 1

Hi Rajesh,

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)

Answer 2

Dear Rajesh

As stated by you, if the charges have been wrongly debited to your account and the bank is not providing you with the details, you should be complaining to the bank in writing under proper acknowledgement.  In the absence of a proper and satisfactory response from the home branch, you may further take it up, as per the appended process.

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online.

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)

RAJA