Salary Account - Need my money back..?

Question

I have a salary account  I have used the debit card of that account for purchasing 2 movie tickets back in tamil nadu on the month of april. The transaction was cancelled but the amount was debited from my account. the vendor said that the amount will be reversed. the same happened and the amount of Rs 300 was credited back into my account on 9 May. Now the bank debited the amount of Rs 300 from my account again for the same transaction saying that the vendor has claimed the amount. I have contacted the ban k on this. but they are not answering properly asking me of void slip.  my question are, On what proof did the vendor claimed that the transaction was successful? Did he provide any proof ( like the void slip or any similar one )  If you think that my claim is un-proof then how did you reverse the amount on 9-May ( so that it must have shown in your system that it was a unsuccessful transaction) . I have asked the above question to bank and I did not get any proper reply ' We can only proceed on the submission of void slip'. I am not sure how did they proceeded with the vendor request yet. Please if some one can tell me correction solution that would be a great help.

Answer 1

Dear Balaji,

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.

The Bank is expected to provide satisfactory responses to your query. In this regard I suggest you to take up the matter with Nodal Officer of your bank  through email or letter. Narrate the sequence of events clearly for the Nodal Officer to understand the exact nature of your complaint and offer you a solution. Contact details of Nodal Officer can be found on the Bank's website. 

In case you don't get any response from the Nodal Officer within 30 days you can escalate the matter to the Banking Ombudsman. 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