Bank — ECS failure?

Question

Dear Sir, An ECS is active in my bank account since last 18 months. In jan. 2016, my account was having enough money for ECS but due to some system failure it did not get deduct the amount. Now bank has put charges of INR 630 & it may spoil my CIBIL record also. Please help me. Regards, Sandeep Singh

 

Answer 1

Hi Sandeep,

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.

If your information (i.e. having enough credit balance on the said date for the ECS debit) are correct, the Bank can not charge penalty. I assume that you have already followed up with the branch without success.

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. - your account number, ECS debit date, charge application date, etc.
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)