Non closure of minor account.?

Question

I am having a minor account 016101007482 in CIVIL LINES RAIPUR C.G. branch in which there is some balance left. Since i have grown and so when i wanted to convert my account from minor account to major one, i was told to open a new account which should atleast have 10000. It is quite hard to maintain such level so i asked them to close my account but they hav'nt did so and i am feeling quite annoyed and irritated. So i am planning to report it to consumer forum.

Answer 1

Dear Mayur,

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

We cannot fault the bank for having a policy as per which the minimum balance to be maintained is Rs.10000/-. But the bank cannot refuse to close your account once you comply with its requirements to satisfy themselves about your current status as a Major. Closing your account is your absolute right. 

There is no need for you to go to Consumer Forum to get your grievance redressed. Be sure that you have not resisted to comply with the bank's requirement to establish your identity and attainment of majority by submitting requisite documents and attestation of your signature as a prerequisite for closure of your account. If the bank refuses to close your account in spite of fulfilling the required procedures, you may take up with Nodal Officer of the bank. I am sure the Nodal Officer would intervene and ensure closure of your account. 

If the Nodal Officer fails to respond then the best and cost effective option is to escalate your complaint to the Banking Ombudsman. I am absolutely sure about the efficacy of this mechanism. 

Contact details of Nodal Officer can be found on the bank's website. For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website https://bankingombudsman.rbi.org.in/

 

Regards

 

J R Mohandas