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POSTED BY Jagoinvestor ON April 5, 2011 COMMENTS (846)

Do you know you can complain to Banking Ombudsman incase you have any complaints against your bank in India ? Banking Ombudsman is a body created by RBI to look after banking related complaints. Imagine the scenario’s – You insert your card in ATM to withdraw Rs 500. The transaction fails, but your account is debited by Rs 500. You’re frustrated, you’re irritated, you complain to your bank about the money being debited after the failed transaction. The bank tells you that your money will soon be credited to your account, but nothing happens for weeks…  Six months pass by, with all of this up-down in-out stuff, You’ve done all you can, but no body is listening! . Can you imagine getting a compensation of Rs 16,200 because of your bank’s inability to honour the rules set by RBI? Can you imagine, that for not getting Rs 500 within a few days, you can get Rs a 100 penalty for each 162 days you have waited?  Yes it can happen! And it has happened! . In this article, I’ll show you the power of the Banking Ombudsman and some case studies which show you that getting your complaints addressed is more easy that you think!

Banking Ombudsman RBI

What is Banking Ombudsman ?

The Banking Ombudsman is a senior official, appointed by the Reserve Bank of India to address grievances and complaints from customers, regarding deficiencies in banking services. It covers all kinds of banks – PSU Banks, Private banks, Rural banks and co-operative banks. Even though, it was originally setup in 1995, there were major revisions in 2006 covering transactions related to complaints of ATM cards, debit cards and credit cards, deduction of service charges by banks without prior intimation, unfair practices of banks and non-compliance by direct sales agents (DSA) of banks for services promised while opening an account etc. It was last amended in Feb, 2009 to cover deficiencies arising out of internet banking too.

Today, the Banking Ombudsman covers almost all kind of complaints for banking services. To give you a brief idea about their effectiveness, Banking Ombudsmen received 79,266 complaints in the year 2009-2010 out of which around 94% were handled and just 5-6% of the complaints remained pending for more than three months as on June 30, 2010. There are a total of 15 Banking Ombudsman in our country. You complain to the one which comes under the jurisdiction of the Bank location, i.e., if your bank is in Bangalore, you can complain to the BO from Bangalore region. Incase you or the bank is not satisfied by the decision given by the Banking ombudsman, in that case within 30 days of BO decision,  the complaint can be taken forward to Appellate Authority, which is a Deputy Governor of the RBI . Its just like going to supreme court if you are not satisfied by High court decision 🙂 .

What kind of complaints are taken care by banking ombudsman ?

So, the first question that comes to mind naturally is – “Will it be helpful for me?” You wont believe it, but the most basic problems, a common man faces ( See an example of what I faced ) , like rude behaviour of bank officials, delays in disbursing loans, forcing customers to buy insurance policies for processing loans etc., are all addressed by Banking Ombudsman (BO), and the process of complaining is as simple as filling up a form online or sending in a filled form to a postal address.

The best part is that if you are harassed because of any issue or have undergone through mental agony, you can ask for a compensation upto Rs 1 lac. Also some readers of the blog has acknowledged that banking ombudsman were useful for them (see this , this and this comment) . So let me list down some of the possible scenarios where you can file a complaint with Banking ombudsman.

  • Levying of charges without any notice or Information.
  • Charging higher rate of interest linked to BPLR on Housing Loan
  • Any Loss suffered because of lack of co-ordination from Bank side
  • Unreasonable credit card charges
  • Fraudulent transfer of funds by using net banking
  • Fraudulent transactions against lost credit card
  • Cheque lost in transit by the bank
  • Non-updation of CIBIL records
  • Loss of cheque from Cheque drop box
  • Closure of any account with providing any information or reason
  • When bank demands unreasonable proofs for openening of account
  • Change in terms and conditions without notice or valid reason
  • Delay in providing any service
  • Mis-selling of Insurance products
  • Forcing customers to take insurnace policies for processing Loans
  • Rejection of Loans
  • Harrasment to customer or misbehaviour for any reason
  • Casual approch from Bank on perfoming its duties

I ran a poll with title “Have you even been frustrated with your Bank and wanted to complain? ” on this blog, on which 100 people participated. Surprisingly , around 65% people said that they were frustrated on some issue with their bank and wanted to complain. Only 35% said that they never had any issue with their bank which went to a level that they have to complain about it .

Banking Ombudsman survey

Real Life Cases Solved by Banking Ombudsman

As per the Banking Ombudsman Annual Report 2009-2010 , ombudsmen have resolved thousands of cases and helped common man get justice. I would say, this is a great way to raise your voice and show banks that they can’t take you for granted, just because they are bigger than you in size. A customer has to be treated as per the guidelines, and customer service is the critical part of any service provider. Just to give you some idea, the Banking Ombudsman annual report showcases around 57 different real life cases of how it has helped customers get justice (Page 57-73) . I am highlighting four of those live cases below

1. How a person got compensation of Rs 16,200 because he got less money from ATM

The complainant maintained an account with AB Bank. He withdrew an amount of Rs 500 from the ATM of DH bank on July 28, 2009. The cash dispensed by the machine was only Rs 400. However, his account was debited by Rs 500. The amount of Rs 100 was credited back to his account only on January 27, 2010 (Around 162 days late) & despite lodging the complaint immediately, no penalty was paid to him as per the instructions issued by DPSS, vide its circular dated July 17, 2009.  Since the bank had delayed in affording the credit to the complainant’s account by more than five months, the BO directed the bank to pay the penalty amount of Rs 16,200 for the delayed period (Rs 100 for each 162 days) .

2. How a credit card holder got Rs 10,000 in compensation for non-updation of CIBIL records

One credit card holder complained about the bank’s claim against his settled credit card account dues, and non-updation of his status with CIBIL. The bank accepted that although the credit card account was settled three years ago, the status of the account could not be updated in the records of the bank with CIBIL ( See a related example ) , which was rectified subsequently. Clear negligence was observed on the part of the bank for not updating their records for more than three years, resulting in undue harassment to the complainant. The bank was directed to pay an amount of Rs 10,000 to the complainant as a token compensation  for the violation of BCSBI Codes.

The Branch Manager assured him to provide the loan without delay. However after three months the branch returned all the papers stating that the Loan Disbursement Officer was ill because of which they were unable to provide the loan. With the intervention of BO, it was agreed by both the parties, that the complainant would resubmit the loan application and the bank would consider the same again. Moreover, since the complainant had lost Rs 5000 which had been paid as registration fee to the Institute, the bank agreed to pay Rs 5000 as a token compensation and another Rs 5000 as a service gesture. The education loan was sanctioned subsequently by the bank and the student got admitted to the MBA course in the same business school.

3. How a senior citizen claimed Rs 1 lakh in compensation for Harassment regarding the loan he never took

Even though the complainant had no business relationship with ABC bank, he was getting calls/SMS from the recovery agents using abusive language & demanding repayment of some loans which he had never taken. Several complaints to the bank against this harassment calls fetched no effect. The bank pleaded to the BO that the telephone numbers from which he was getting the abusive calls did not belong to any of their recovery agents. Based on this, the BO closed the case under clause 13(d) of BO Scheme (i.e. complaint without any sufficient cause).

As the complainant continued to get the harassment calls, he went in appeal. During the appeal, the bank admitted that the phone numbers from which he was getting abusive harassment calls belonged to their recovery agents and that they had since taken necessary corrective action to discontinue such calls. The AA observed that the bank had not conducted proper due diligence while sanctioning the loan to some third person indicating a major KYC lapse. To cap it all, the bank had misguided the BO resulting in the BO pronouncing a wrong order, damaging the credibility of the BOS. The AA set aside the decision of the BO and directed the bank to pay the appellant Rs 1 lakh towards compensation.

4. How A person got Rs 6,500 as interest for Failed ATM transaction

In a case of failed ATM transaction where the account was debited though no cash was dispensed it was observed that as per BO’s orders the amount was credited to complainant’s account, but the bank did not pay the penal interest in terms of extant RBI instructions for the delayed period credit of approximately 2 months. The bank was directed to pay penalty at Rs 100 per day amounting to Rs 6500 .

Proof that it works !

How Trivikram got his wrongly wrongly credited money to different amount .

I got my money back after complaining the issue in Banking ombudsman.

Last year May I transferred money through internet banking to wrong account. After realizing I called my bank officials and requested not to transfer. But it’s already transferred they need to contact with payee bank. The other bank people not given any information as I am not a account holder. I tried through my friend they told that it’s transferred back to my account. Almost three months I tried hard back and forth in both the banks but no use.
This month (5/04/2011) I got to know about Banking ombudsman through one of my colleague and I raised the issue with all my details. Today I got my money back:-).

Ankur on comments section mentions how he got his interest back by

Hey Manish,
some good news… i finally got my intrest back for arnd 20 days. though the amount was meagre but yet it was fruitful. i had known 3 persons who applied for this scheme and we 4 guys got 6000/- back in total.
now i believe that BO(directly got a call from the branch manager to come and collect the cheque 🙂 ) do works and finally thx to you guys for guidance.

cheers

How Atul got his IT refund with help of Banking Ombudsman

Hi Manish,

I had approached IT ombudsman for IT refund. After chasing IT officials for 2.5 years the experience with Ombudsman was inspiring. Not only I got the money back but with interest.

The only catch is that one needs to be patience and keep all proofs ready. Best way is to keep copy of letters send by post, copy of emails etc.

Regards

Atul

Procedure of Complain ?

There are two ways of  filing your complain .

Online Complaint : You can complain to Banking ombudsman online by filling up the form here . Once you fill up the form , you can also upload your proofs like bank rejection letter, banks reply or anything else (it has to be PDF or TXT format only)

Offline Complaint : You can also complain in offline mode to Banking Ombudsman. Just download this form and fill up the complaint.  You should provide your contact information, name and address of the bank against which you are lodging the complaint, documentary evidence and the compensation you need. Once you have filled up the form, you can send it to the Banking Ombudsman address which comes under your jurisdiction ( Download the list of all 15 BO )

Should you complain ?

I dont see any reason why you should not ! . If you are frustrated anyways and the service is free and also does not take much time and effort to complain, then you should definately go ahead and complain to Banking Ombudsman for something which you feel you should get justice for. Forget about who will win and who will loose for a moment, but I would encourage you to atleast take the first step and be the part of this initiative atleast. If you case is genuine, I beleive banking ombudsman will help you for sure, It can take time, but dont let this get you get stopped . Go ahead .

Share your experience! .  A lot of readers have never had a bad experienced with their banks (like me) , so its your responsibility to share your bad experience in comment section and make them aware about what had happened in your case and how bad it was.  Also share what are you doing now ? Will you file a complaint with Banking Ombudsman ?

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846 replies on this article “What is Banking Ombudsman ?”

  1. Dear Sir

    As you are aware, the ongoing scenario has created confusion among general masses.

    To start with my matter, it was announced that banking facilities would be available till 8 pm. But to my dismay I went to 3 banks in close vicinity around 5.30 pm but found that they had already closed with public requesting to resume the service but to no avail.
    These banks are:

    Oriental Bank of commerce, Dayalbagh, Agra, 282005

    Bank of India, Dayalbagh, Agra, 282005

    Canara Bank, Dayalbagh, Agra, 282005

    You are well aware how this attitude is going to result.

    I hope that you shall take adequate steps so that there may be some relief to the public.

    Hoping for an early cooperation

    Hardeep Singh
    17, Rahul Green Phase 2, Dayalbagh
    Agra – 282005

  2. Respected Sir,

    I have got the information from Aixs Bank Limited Personal Loan Section, he make DD and not to inform me regarding PL make DD. I raise a question, without withdraw the amount why should I pay the interest. Is it possible ?

    Kindly inform me immediately. Without any interest kindly close the PL as soon as possible.

    Regards,
    S.R.Mallia.

    1. Please complain regarding this to banking ombudsman

  3. bala says:

    Hi Manish,

    I submitted one complaint in RBI website on june 2016 but after filling the complaint in RBI website i didn’t received any acknowledgement or reference or complaint no. to my email id or SMS. Then I waited for one month but I didn’t received any response from RBI BO then filled the same complaint in RBI Website but again I didn’t get any acknowledgement or reference or complaint no. to my email id or SMS.

    I didn’t get any response from RBI why I didn’t get any ticket no. or reference no. after submitting complaint twice in RBI website I feel there was some issue RBI website itself. When I checked with RBI, they told they are not able to trace who received my complain which I submitted in RBI website.

    Then I started sending email to RBI BO from July month to till date. I sent multiple reminder to them to look in to my problem. Recently they asked to email the complaint details again. I sent email to RBI BO with all necessary detail they expected but I didn’t any single acknowledge email from RBI BO. I didn’t know whether they received my email or they simple ignoring to read my email. I sent multiple reminder to RBI BO to acknowledge my email just to confirm the email receipt but no response or reply mail.

    What I can do in this situation to inform them to look into problem quickly ? Already it was delayed for 4 months .

    1. Kanchan says:

      It has happened with me as well. Looks like there is some bug that they are not able to fix.

  4. AJIT VERMA says:

    GREAT HELP BY BO TO ME.MY 10000 WAS DEBITED BY AXIS BANK ATM MACHINE TO 16JULY 2014 .AFTER COPMLAIN TO BO KANPUR AMOUNT WAS REFUNDED TO APRAIL 2016 BUT PENALTY DOES NOT REFUNDED . I HAVE RE COMPAINED FOR PENALTY TO BO KANPUR.I AM STILL WAITING .GREAT HELP. THANKS TO BO KANPUR .

    1. Thanks for your comment AJIT VERMA

  5. Ajit says:

    Dear Sir/Ma’m

    In my case I was a victim of online banking fraud in which around 20k INR has been transacted without OTP. It happened on 23rd of September that when I have started receiving messages to my phone that this much amount has been debited. Then I called customer care and blocked my Debit card. Meanwhile I thought to block my credit card also as it was linked to the same bank account. Meanwhile the call was getting transferred to the credit card department with 10 seconds or so I received some more messages that some more amount has been debited from my credit card account as well. Finally call connected and I blocked my credit card also. After that no more messages I received. Finally I checked my account online to check how much exactly how much money was debited and found that combining credit card and debit card around 20 k was debited.
    I raised compliant in Bank they took 7 days but no use as they replied that we can’t help please go to nearby police station and file an FIR.I went to nearby police station in Hyderabad as I thought if I will file an FIR my case will be resolved and get my money back but when I approached police station they asked me money of 5k to file an FIR without which they can’t file FIR they told. After that I came back and I went to cyber crime department as well but there also the same scenario they asked money to take the complaint. No I am still struggling as this kind of security system I have never expected from a bank like Axis Bank.
    It is my sincere request to take severe action on the Bank and if possible please let me know any other ways how I can get my money back.

    1. Did you go to banking ombudsman ?

  6. Mohan says:

    Dear Manish, Thanks for your valuable inputs. This is a follow-up to my previous query. My complaint regarding my request for loan cancellation and compensation for mental agony is still pending at the BO office for more than 2 months now. When I contacted the bank they said they had responded to the BO 3 weeks back. But so far I have not received any response/call from the BO office. I tried to reach the BO office but no one picks up the calls and no response to my follow-up emails.
    Qs:
    1. How long should I still wait for a response from the BO ?
    2. Can I initiate RTI to know the status from BO office ?
    3. Can I now approach the appellate authority as I have not received any response from BO for more than 2 months ?
    Looking forward to your kind advise.

    1. Mohan says:

      Hello Manish, Well now I got an advisory from BO towards my favor but not to my satisfaction. What does an advisory mean ? Can I still request the BO to relook at the advisory and pass a concrete award or should I approach the appellate authority for that ? What are your inputs on this situation and your recommendations for next steps ?

      1. Mohan says:

        Latest info is that the BO rejected my complaint under clause 13(a) (non-appealable) but instructed the bank to do the needful as suggested in the advisory. I am planning to appeal to the Appellate. Can you please let me know your inputs ?

        1. Hi Mohan

          I dont have understanding at this level. Apologies

      2. Truely speaking, I am not aware of that term

    2. Note that these things take a lot of time and being a govt thing , the process is very slow . Kindly wait for few weeks or months atleast. and then file a RTI to find out the status

  7. Pankaj says:

    Hello Manish,

    Thanks for the informative post.

    I checked the link for the Banking Ombudsman however I do not LIC HFL in the dropdown list. I understand that it is not a bank & rather a Housing finance institution. But how can i raise a complaint against them to have this sorted out. They want me to get the home loan secured by an insurance which I am not willing to go for.

    Thanks,
    Pankaj

    1. Did you complain to them first and waited for 30 days for their explaination ?

      Unless you have got 30 days past, you cant complain to banking ombudsman. I am not sure what should be choosen from dropdown though !

  8. Mohan says:

    Dear Manish, I find this website very informative and helpful regarding BO. My personal loan case (bank employees forged my signature) is pending with the Banking Ombudsman for more than a month. What is your opinion ? Should I wait for the BOs interference or proceed with legal proceedings ?

    1. Wait for some more time for reply. These kind of cases move very slow !

  9. Mohan says:

    Dear Manish, Your website gives lot of confidence and faith in the Banking Ombudsman scheme. In my case, I was pursued to take a personal loan by K*-Bank with false promises regarding loan T&C. Though I had expressed concerns right from beginning, without my final approval the loan sanction letter was forged and loan sanctioned. I have tried to contact bank employees from day one regarding the same but in return I was harassed and threatened by bank associates and they started ignoring my calls. Luckily I had recorded all these conversations and kept with me as proof. I escalated the matter internal bank but it has been 4 months they have not responded without any concrete resolution. Bank is trying to suppress this issue with a cheap resolution but it was not at all worth the suffering and agony in this situation. I escalated to BO more than one month with evidences and audio clips back but no response yet. I am thinking whether I should wait for BO resolution (how long it takes ?) or proceed with legal proceedings without wasting time (forgery is a criminal offence). What is your opinion on this ?

    1. Yes, you should take it with BO now in writing and then with the consumer court later. If you have proofs then better pursue it …

      1. Mohan says:

        Thanks for the reply Manish. The case is pending at BOs office for more than a month now. Yes I have clear proofs as well as audio recordings which I have also forwarded to BO. Then I will wait for BO verdict and if I am not satisfied, I will approach consumer court. Thanks for your inputs.

        1. Yes, I think its a good idea

  10. Arpan says:

    hi sir,

    My brother has an education loan in a nationalised bank. while issuing the loan the manager forcefully issued an endowment plan (high premium) and deduct the premium from loan itself as we don’t have money to pay. We have to give the renewal premium as well otherwise the money will be lost. Now every time the bank is harassing my father while disbursing the loan amount by asking new set of document again and again and not issuing the draft in one day. Now in this situation I have already raised a complaint in the bank. What is the procedure to raise the complaint in ombudsmen?
    can I at all raise the complaint to banking ombudsmen?
    Please help me sir.

    1. Just send a mail/letter to ombudsman ..

      OR do it online here https://secweb.rbi.org.in/BO/precompltindex.htm

  11. habeeb says:

    Dear sir

    I had raise a compliant in yes on 15 april about my fraud transaction still I did not received my amount bank account. Lot of time I had spoken with yes bank team they guys are not responsed to complaint properly. I need my money created yo my bank account as soon as possible. Kindly I am requesting you to help me on the same to resolv e my complaint.

    Regards
    Habeeb

    1. Hi Habeeb

      You should raise the complaint with banking ombudsman

      1. Roona says:

        Can you share the link for the Banking Ombudsman please?

  12. prakash says:

    good news * I got my money back after four months later I don’t what would happen if I didn’t raised my voice on banking ombudsman . anyway didn’t get the penalty reward from BO but amount got credited its a relief . thank you jagoinvestor

  13. lalitsinghgehlot says:

    I have been cheated by Indusind bank
    They deducted 5800 rs from my account fr a signature debit card, and again and again i m requesting them telephonically and mailing since last one and a half month but they are again and again Asha and Jayesh the indusind bank executives are telling me the benenfits, and very shameful on the part of bank that they are forcing the customers to buy such expensive cards
    i have 12 years old account and 4 more accounts bt they have really disappointed me
    pl help to get my debit card charges reversal

    1. You can complain about this to banking ombudsman

  14. neha says:

    hi
    i hv applied for online form on 10 feb 2016 and using debit card payment, that time server was down and amount 1718 deducted from my a/c. bt paymentis unsucessful. after that i hv complaint to concern bank about my transaction. they only give me complaint no. after every 15 days i hv called to branch manager. they replied me i hv lodge the complaint u ill received the amt. with in 2 months. bt till today i hv’nt received my amt.
    nw what i do

    1. Complain to banking ombudsman

  15. Ashok says:

    I have made a transaction in Yes Bank ATM Surat from my United bank of India ATM card. The Transaction was unsuccessful and i didn’t receive any amount and my bank has debited the amount of Rs. 3000. My bank are asking me to present transaction slip for settle the process but one problem occur as I have lost that transaction slip. and now Yes bank are also not providing RRN No.
    Can you please help me get from this situation that how is it possible to get money back..

  16. UmaShankar says:

    Hey Manish,

    Firstly i want to congratulate you to create such a good website which is very informative.

    Recently, based on my 8 year old card payment track record, ICICI bank offered me a personal loan of 1 lac at 13% interest rate which i took from them. I paid the first installment via NEFT from my HDFC account. For second installement i.e. March 2016, i paid via HDFC Bank cheque 2 day before due date. But then came up 4 consecutive holidays for Holi, 4th Saturday, Sunday etc.. and bank picked up cheque late and deposited it late. It got cleared from my bank on 30th March.

    In next month statement, they charged me late payment of Rs. 500 + tax along with Rs. 400 + tax as additional interest.

    I protested with bank but they do not listen so i have filed case with banking ombudsman.

    I never had such problems with HDFC Bank with my account over 15 years old with them. I wish i should have never dealt with ICICI bank.

    Can you please tell me when can i expect a reply from BAnking Ombudsman ( I lodged complaint 15 days ago but not yet received any reply) and what kind of compensation i can claim regarding this as for my hard earned money a sum of Rs.960 , i have wasted so much time and energy with banks by writing long emails and all.

    1. There will be lukewarm reply from banking ombudsman , you keep patiance, also make sure that you can apply for banking ombudsman only after 30 days from the reply from the concerned company.

      Regarding compensation, I am not very sure, but surely your money and some basic compensation!

  17. SharathChandra says:

    Hi Jago !
    Can we get Cibil score from a bank for Rs 50 as per RBI Rules ?

    I’ve asked citi bank for the same, but I do not get a reply about it

    They are unwilling to share cibil details because they are guilty
    of Wrong Records in my statements

    I exposed it to them directly how they have billed single purchase
    as multiple purchases and caused loss of money and how they
    show my paid bills as unpaid

    Can I complain to the BO to get cibil score from citibank ?

    Please let me know.
    Thank You,

    1. Where have you found that info that you can get it at Rs 50 from banks ?

  18. prakash says:

    on 9th jan 2016 SBI was on all india strike and that effected on SBI atm servers down in that case I used canara bank atm to withraw 2000/- amount from my SBI debit card but my amount debited from my account and cash not dispensed . for the same I loadge a online complaint through SBI Customer Care after few day I checked my complaint status and I found status : closed . I checked my account statement immediately and I found no refund of amount in my account. so , at last I went to my Branch to loadge a written complaint and I again reopened my case after one week I got my complaint status: closed without refund of amount again . I again visited my Branch bank for information for my complaint. after standing from one desk to another and next I finally got a ATM dispensed sheet document of 9TH jan 2016 given by Canara Bank on regarding my complaint . in that sheet I mark down my transaction which was successful first with code 00 but immediately below again my transaction was unsuccessful with error code 03,MID . I asked my Branch bank to refund it immediately as u know the cause now. The Branch bank replied me they don’t have any idea about the code 03,MID means and cant assist me as the code mentioned by Canara Bank is unknown to my Branch bank. this is the reason why my case closed again and again by Branch bank . I took my case to Canara bank to locate my amount which got stuck in channel between Branch bank and Canara bank so after an enquiry I got that 03,MID stands for MONEY IN DRAWER. then I went my branch bank to reopen my case but again it was closed in a week and I told by my bank officer that your amount is refund by Canara bank we can only generate request letter for refund from branch and I’m not satisfied with the response from bank. two months after I am so distress that one my friend told me about Bankingombudsman . Again I got a hope I loadge a online complaint on Bankingombudsman and current status is under process and I raise a voice I hope I will get my refund soon.

    1. Thanks for sharing that prakash

  19. Vivek says:

    Dear Sir, Axis bank cheated me. I applied home loan. For the initial discussion with bank person, he was confident to now about the property details and according to him alreaded bank funded for apartment in same society. He taken all property and my income documents. within 3-4 days loan was sanctioned. In parallel legal and technical verification were going on. Finally legal and technical were also cleared and then informed me my SMS and mail. after that they sent mail me to get all payment details which I paid to seller and also aked me to make DD for the purpose of registration and stamp paper. Bank also asked me to register the sale agreement. Bank also asked me to pay TDS and mail form26QB to the bank for disbursement the loan amount. All these done within 2 weeks . Suddenly they came back on 30th March’16 and said that bank can not disburse the amount due to some reason which they did not disclose.
    Now think my situation, I broken my all savings and arrange the money to prepare the DDs , TDS and registered the sale agreement .
    Now I am asking to the bank the reason on not disbursing the loan amount. If not then who will bear my all financial losses. I sent mail to the bank but did not get any reply. Please suggest me what should I do? ?

    1. I think you should reach out to banking ombudsman now. Its kind of unfair on your part .

  20. VASANTHA says:

    Dear Sir/Madam, One of my friend (residing at Mysore, Karnataka State) has taken the TERM LOAN of Rs.9.81 crores an Individual capacity from M/s.Sir M.Visvesvaraya Co-Operative Bank Ltd., BANGALORE on 28.02.2014 and closed on 20.09.2014. Loan sanctioned on following terms and conditions:
    (1) For pre-closure charges at 2%pa of the balance outstanding, if the credit facility is taken over by any other financial institution. (2) Rate of Interest 15.5% pa rebate 2%pa for prompt repayment. (3) Term 15 years.

    We have switched over to M/s.National Co-operative Bank Ltd., Bangalore, with higher loan facility from M/s.Sir M.Visvesvaraya Co-Operative Bank Ltd., BANGALORE. Hence, M/s.Sir M.Visvesvaraya Co-Operative Bank Ltd., BANGALORE have levied 2% pre-closure charges for outstanding amount. Eventhough we have approached them to refund the same, they are not willing to refund the amount. Can we approach Banking Ombudsman, Bangalore. Whether we have the rights to get back our money. What is your advice ?

    1. Hi VASANTHA

      Thanks for asking your question. However, I dont think I am eligible to answer your query as its either out of scope of my knowledge or its not related to money matter directly

      Manish

  21. Satish says:

    Ca I raise a grievances once settlement is done…as my settlement amt is 80% of bill amt

  22. Praba says:

    hi, someone withdrawn Rs:10,000/- from my account on 23/06/2015 and i have given complaint to my home branch and contacted regional branch also customer services many times but till now i have not received any response from none of them. i dont know whom else to contact to solve my problem and get back my amount.

    1. You can complain to banking ombudsman on this

  23. kalaichandran says:

    1.Cheque No. 003509 was issued by Mesha Engineering for a sum of
    Rs. 5,00,000/-
    2. Cheque was presented at Karur Vysya Bank Shollinga Nallur on 3/9/2015.
    3.Rs. 5,00,000/- was credited on 8/9/2010 in my account.
    4. Rs. 5,00,000/- without my consent without consulting superior officers of the bank was re transferred to Mesha Engineering.
    5.CSR No. 688/2015 –Semmancheri P.s given. On enquiry the bank gave a counter complaint of forgery against me of altering the date of the cheque.
    6. CRLOP No. 24346/2015 preferred before the High Court. High Court directed to register the case if cognizable offence made out.

    1. Thanks for your comment kalaichandran

  24. Amrish says:

    Hi sir mera hdfc bank me corporate salary account open hua hai. mere paas 2 kit aayi hai bank ki or se means mere 2 account open ho gaye the ek aur do no account me information Kuch galat thi mene bank jakar 1 account close karwa liya tha jesa bank ne bola par mere account me 12000 salary aayi. Jab mene account se 8000 rs nikale uske Kuch din baad mere account se 1000 rs aur kam ho gaye aur message bhi nhi aya kis liye Kate hai. Jab mene hdfc bank me pucha to wo ye bata nhi rahe h kis cheez ka amount kata hai. Abhi Kuch din pahle mere paas hdfc life security pension se related Kuch documents aaye us me meri mail id aur pan no detail wrong hai jo ki mene apply bhi nahi kiya hai amount ko Kate 10 din ho gaye hai. Na amount wapas aya na bank wale Kuch Sahi jawab De rahe hai . Last 1 month se pareshan hu Kuch samajh me nhi aa raha hai plz help me to sort out my problem. Msg me aa raha h 5000 se kam amount nhi rakh sakte jabki mera salary account zero balance ka h. Me iske liye kaha complaint kar sakta hu? Kya me court me complaint kar sakta hu plz guide me. Thanks

    1. Hi Amrish

      I suggest that you now take the RTI route. You can file the RTI and ask your queries to them. THey are bound to reply you on your queries.

      Its a bit long cut, but works well

      Manish

  25. sandeep says:

    Hello Sir,

    my name is Sandeep kumar i have A/C in IDBI bank

    is cut my money from my A/C For ECS so that i no this

    plz let me know What is ECS ???

    Thank
    Sandeep

    1. ECS means auto deductions for some payment which you allow

  26. NitinSrivastava says:

    This is Nitin Srivastava, Shahadara . Having Account in IDBI Bank Ltd. A/C No on Feb 07 2016 at 11.37 PM. There was a fraud happen with me with the amount of
    Rs. 24853 that was withdraw from location Dubai (As per transaction record in net banking ). At the same time I got a message from bank for the same withdraw. and immediately I talked to customer care and block my ATM card.

    Today morning (Feb 08 2016 at 10:30 AM) I visited to police station and drop a request regrading. and after that visited bank (B-29, East Jyoti Nagar, Loni Road, Shahadara, New Delhi, Delhi 110093) and drop a complaint regrading all these. and request for new ATM and the same time destroy the old ATM.

    Please advice what is the way to get my money with penalty.

    1. COmplain to banking ombudsman on this

  27. Dev says:

    Hi,

    I had a HDFC Bank credit card.

    Since 2014 September, I have been asking them for a customer support of changing my email to receive credit card statements. However, they have been sending me stereo type messages.

    I was out of country since then, i could not get credit statements and due dates in time. Which costed me so much levy of interests and late fee.

    I have made full payment. The last due, I confirmed over phone banking was 29000. I paid that in full and sent them a letter to close the card.

    Later, when I checked all my payments, I understood, they have charged me excess of 7000, due to the delay they had with the bill desk online payment I have made before the due date.

    I have been emailing them again on this regard, their different grievance redressal not given any satisfied answers. Even I have written to the senior management on the grievance. They had emailed that they would refund only 3000/-.

    I am not satisfied with that refund, So i have demanded refund with compensation, in particular for the pain I am having since Sep 2014 and until today.

    Finally, all the doors are closed with HDFC, I have written to the BO. BO has acknowledged my complaint and written to the HDFC it seems. Around a month back. Then after HDFC Bank, spoke to me twice and asking for what I wanted.

    I have demanded that, they pay 7000 excessively charged amount, and compensation of 3 times the refund due. They said, it is the decision of the board.

    My only emphasis was to make sure that they pay the compensation for this deficiency, and the issue is escalated, because of the inefficient and authoritative less customer support team. There must be 100s of thousands of customers, who must be feeling the same pain i am having since 2014.

    Surprisingly, through my latest CIBIL i have understood that, in Jun 2015, since my old card expired, they have sent a new card, which is still undelivered but there is an outstanding of Rs10000/-as of Jan 2016.

    As of today, they have written to me directly, responding to the BO complaint, that, they are ready to send a DD for Rs10000/- according to their calculations.

    Well, the question is. Should I wait for the BO to reply me. or Do i respond to the HDFC reply received today.

    After looking at the seriousness of malpractices, what HDFC is doing, I am thinking that, I should demand compensation of Rs 100000 or go ahead with the Consumer Court, once after the reply from BO is not satisfied.? Any suggestions.

    I have complete email tracks and the HDFC’s irresponsible replies. These documents have been already submitted to BO.

    Any valid suggestions would be highly appreciated.

    With Regards
    Dev

    1. I think you should take up the matter with banking ombudsman now !

  28. Rashi says:

    I wanted to seek guidance on one thing, I had done a Fixed Deposit with a bank and TDS was deducted from my bank, but what was shocking was that my principal amount was deducted too by around Rs 900, on seeking advise from the bank they said earlier we did nt deduct tax now will be deducting. I did not understand .. how can the bank touch my principal amount ? Please advise If I have missed out any RBI notification. Thankyou

  29. Vinita says:

    Hi Manish

    i faced an ATM fraud on 16th october2015.
    i was using my icici debit card at indusund bank ATM . 10000 rs were deducted from though i didnt get the money . on contacting the icici bank they said it will b credited back but it didnt. so i approachedcthe bank manager and he said its a sure case of draud so i asked for the cctv recording. earlier they said due to technical problem recording is not available but on complaining again and again they have arranged the recording but it is clear from the recording that i moved from first machine to the other because the machine didnt dispense the cash and no fraud is seen in eecording. can u pls help me as in how and whom to contact for this kind of fraud

    1. Hi Vinita

      I think you need to further take it up with bank only. Even if you are not satisfied and if you think bank is at fault, then contact the banking ombudsman

    2. Murali says:

      Hi Vinita,

      I faced the same problem and complained to different levels in ICICI Bank. But nothing happened even after 5 months. So I raised online complaint to Banking Ombudsman in last November. Finally BO awarded in favor of me . I got my 10000/- rupees plus 16,200/- as penalty.

      1. I raised complaint to ICICI bank 4~5 times. But all complaints are rejected stating Citi Bank(where I have withdrawn money) EJ(Electronic Journal) log shows it is success transaction.
      2. Later I complained to ICICI bank nodal officer. He informed me like ICICI bank requested for CCTV footage but not received from Citi bank.
      3. Finally I raised online complaint to BO. After almost 1 month, i got a call from BO employee and requested my photos to identify me in the CCTV footage.
      4. Once again I got call from BO officer and requested me to send the written complaints/mails I sent to ICICI Bank.
      5. BO requested ICICI bank to refund the money under

      You can request BO If there is no reply even after 30 days of Written complaint/Email sent to ICICI bank people. Make sure you have the written complaint/Email copy with you.

      It is good if you have the follow up mails with ICICI bank officials/Bank manager.

      1. ICICIBankCare says:

        Dear Vinita,

        We would like to get in touch with you and help resolve your concern. Please write to care@icicibank.com with your contact details. Kindly mention the UID “a337t3_aaae1” in the subject line of your email. Our official will assist you.

        Regards,
        ICICI Bank Customer Service Team

      2. vinitapoddar says:

        Hi,

        I faced an exactly similar situation in 2011 wherein I tried withdrawing Rs. 9000 from an IDBI bank ATM but received no cash. Then i moved to another nearby ATM but received debit message from ICICI. On rushing to IDBI ATM, no cash could be seen. I followed up with ICICI bank at various levels for the cctv footage but in vain where they told me that IDBI was not willing to share the footage. My grievance was not attended to and i lost my hard earned Rs. 9000 which was almost half of my monthly earning at that time. I wish i had known about complaining to the BO then. Any chance that i can take it up now?

  30. SUMIT says:

    DEAR SIR, I HAVE A CURRENT A/C WITH RATNAKAR BANK LTD AND THEY HAVE MADE IT DEBIT FREEZED WITHOUT ANY PRIOR NOTICE. IT HAS BEEN DONE WITH THE MANY CUSTMERS OF OUR MARKET. I WANT TO KNOW WHY DO THEY DO SO. WE ARE SO IRRITATED. WHEN WE VISIT BRANCH I DO NOT GET ANY RESPONSE FROM THEIR SIDE. TELL ME WHAT SHOULD WE DO.

    1. Complain to banking ombudsman

  31. Manjunath says:

    Hello Manish,

    I have posted a comment on Insurance to you and yet here again one more query wrt Building Insurance.

    1. I had availed a housing loan in 2009 from PSU bank and they had deducted money for building insurance.
    2. Till date they have not given me any policy copy.
    3. And 3 months back when I went to branch and I pressurized them for policy, and they could not find any policy neither the policy number in the registry list.
    4. Now they are saying they will check with the insurance company to get the policy somehow through DD/Cheque issued by them(Even these details they are not able to find).
    5. More than these, they have withdrawn all my amount from savings bank saying the change in rate of intrest was not applied from past 2 years, and they have made me to pay an arrears of 75K.
    6. Wrt the insurance policy I wrote a mail quoting all the issues faced by me till now, and also asking them when they can close the issue wrt policy. Till date I have not received any mail from them.
    7. I am charged an interest of 11.95% and they are saying its BPLR and I ahve to pay 1% of the outstanding amount to convert it to base rate and there by the intreset rate will change to 9.90%.
    8. Is there any rule that 1% of the outstanding amount has to be paid to convert from BPLR to base rate?
    9. I wanted to switch the bank for a loan take over, the new bank is asking for the insurance policy.
    9. Can you please advise me how to go forward?

    Thanks in Advance. Will be eagerly waiting for your reply.

    1. Hi Manjunath

      I think there are various things here which can only be answered by the company only. Regarding the building insurance, if the amount is deducted then surely you should check with company on this, its a matter of time only, but you will get it

  32. Senthurmurugan says:

    Dear sir myself G Senthur Murugan availed educational loan from syndicate bank in the year 2010..now i repaying monthly on July and sept I paid 4000 and 4500 respectively but this two transaction is not reflects in account statement.. I have the counter file for this two transaction with cash received seal and cashier sign..shall I complain to bo..pls suggest..

    1. Hi Senthurmurugan

      This is very specific query which you should follow up with the concerned authority only. We wont be able to comment on that

      Manish

  33. Emmanuel says:

    Can you help me with the online form and procedure to file a complaint in online for banking ombudsman

  34. chhayaravindragaud says:

    compound interest charged in moratorium.by SBI

  35. Roouf says:

    Hi,

    It has been more than 9 months since I’ve received the SBI credit card. I was promised about the welcome gift voucher( Joining Voucher ) worth Rs. 3000 after making the first payment. I opted for Jabong voucher. In short, I never received the Voucher. I started to seek help from SBI customer care. I received the call from Nodal Team assuring me that I will receive the voucher code on my mobile in the month of June. As usual the promise again failed.
    Now Since two months I’m writing to top customer touch point CEO@sbicard.com . The email process had reached to 19 Replies since last 3 months. They are not able to send me Voucher so far.Please guide me how to go ahead.

    1. So why dont you complain to banking ombudsman in that case ? Go to their website

  36. Madhavi says:

    Hi Manish,

    This is regarding Kotak Mahindra Bank. The bank has deducted charges from my account without my notice since Sep 2014 until May 2015. When I checked with customer care I was told that due to non-maintenance of Balance in the account the charges are levied. When I further enquired I was told that the account that I am holding is a Salary account and not Savings.

    I had taken a loan in June 2012 for 36 months tenure, while applying for loan I was told to open a savings account and the EMI will be deducted from the Kotak savings account. I did so, everything went well until Sep 2014 suddenly I started to realize that the money in my account is reducing. When checked with Customer care I was told that the charges are for non-maintenance of balance. I walked into the branch and spoke the manager no luck.

    My loan tenure is already over and I have got NOC as well. Now the problem is they want my salary to be credited to Kotak which I do not want or maintain 10k monthly balance (which I cannot). I also have a Kotak CC on which all payments were made on time . I had converted the spending into EMI and last 2 EMI I have not done payment. I am asking the bank (CC) folks to adjust the amount that has been already deducted from my account approx. Rs7500 which the CC team initially agreed for settlement of 8k but now is denying and threatening that they know how to collect the money from me. I had already filed complain on Kotak website to Ombudsman but nothing seems to happen.

    Why is the customer always the sufferer though the mistake is from bank end as well. If bank deducts my money then its not an issue, wherein, if I do not make the CC payment and ask for adjustment then its an issue ? Why is it so ? I have done multiple phone calls and wrote emails to bank but still no response. Kindly advice what best can I do in such a case.

    1. I think you should take up this matter with Grievance cell first and then to Banking ombudsman

  37. Manoj says:

    I had to get a refund from Amazon. I got a mail that refund will done in 4 days it will be credited to my bank. But even after 8-9 days its not credited to my Canara Bank . Though amazon has provided me with ref. No. which the bank has provided them on refund… but I had contacted Branch Manager but there was no proper response from him. Even the customer care are hopeless… Can I use Banking Ombudsman service?

    1. Yes, you should now approach the banking ombudsman . But you can do that only after 30 days

  38. Samrat says:

    My wife issued a cheque of a said bank to a person allegedly representing an insurance company for an among of 15000. After few weeks it was found that the insurance company didn’t get the cheque on enquiry from bank the cheque was encashed in another bank in another state by an individual. Our bank whose cheque wue have initially accepted or complaint and got the details of the image of the cheque we had given. Surprisingly all the details filled in the cheque except the numerical amount of 15000 and signature was changed Insurance company name and amount in wordings changed from small letters to capital letters . our bank said that since cheques are cleared note by images is difficult to judge forgery. They assured us action in next 7 days. But note the bank manager is not helping making excuses and asked us to file FIR at police station. At PS police saying we will do enquiry only no FIR ask bank to give some documents suggesting Filing FIR. bank during last conversation when we asked manager to give in writing what is the status said will give a letter for filing FIR 1st day manager said printer is not working will give next day. next day they called to take the letter or will deliver same but we were busy. The day after we went to collect the letter now they are saying or legal team will decide. Now tell me what to do. The account was my wife s account and I stay away from India for work at times. Two small kids at home how can we get help and action against bank. We wrote the cheque payee name and amount in our own handwriting and out own pen. How the importer changed we have no proof. We asking for physical verification of cheque then it will be clear that handwriting is not ours and how the cheque details were forged. Can you advise where to take help.

    1. Hi Samrat

      Thanks for sharing this incident . I suggest you cant do much other than going to police here. Ask bank to give a letter that they need FIR

  39. Raina says:

    I have made a POS transaction with my debit card of SBT and the transaction got failed and the money is debited from my account and not yet credited to the suppliers account. Whom shall i complain?

    1. You need to complain to SBT on this

  40. Sàikrishna says:

    Dear sir i losed 15000 in my account in august 29 2015 ihave draw 3000 frm atm after few minutes msg came to my ph u have 15000 drawn but atm card is with me i call to customer they din’t respond so please help me

    1. Hi Sàikrishna

      This is very specific query which you should follow up with the concerned authority only. We wont be able to comment on that

      Manish

  41. Manish says:

    Dear sir,

    I hold a current account in hdfc bank.I issued a cheaque of 43975 in favour of my creditor dated 26-8-2015. On 25-8-2015 i deposited a cheaque of 45000 into my hdfc bank current account to make sure that a cheaque of 43975 get clear next day.On 26-8-2015 i checked my net banking account to see the balance of 48000.To my surprise & shock i got a call from my creditor that my cheque of 43975 has been dishonoured due to “effects not cleared present again”.Accordingly the bank has deducted 570 return charge.When i consult phone banking officer they told me that the cheaque left uncleared as the opposite bank has delayed the funds.I told them that the opposite bank account was also mine & i drew the cheaque from that account so i know the bank has debited the same amount on 26-8-2015.Should i lodge a complaint to BO?

  42. Paparayudu says:

    Hi,

    My in-law holds an account with Axis bank. There were 5 unauthorized transactions made from his account using online shopping sites. I have filed a claim with the bank and they are least bothered and simply said that since the transactions were made using online shopping websites they are not responsible. when he asked that he gets an OTP for online shopping transactions however for the 5 unauthorized transactions he did not receive the OTP. Please guide me as to how to go about it.

    1. You dont always get the OTP for all online transactions.

  43. Amit says:

    Hey,

    Do Banking ombudsman helps in the discrepancy case of Education loan and subsidy on interest?
    Pl. advise where to contact for Wrong interest charged in education loan account.

    Thanks,
    Amit

    1. If its related to banks , then yes

  44. Anand says:

    hi,
    My case is almost two years old(14th August 2013). The case being of cash not dispensed from ATM.
    Are there some chances of getting my money back.
    Pls help.

    Thanks a lot in advance

    1. Hi Anand

      This is very specific query which you should follow up with the concerned authority only. We wont be able to comment on that

      Manish

  45. Ajay says:

    In my case the SBI officials presented tempered documents to the Banking Ombudsman and the case was decided in favour of the bank, I also lost the appeal as there was not much evidence to prove my part.
    Now after much efforts and delay of over a year I have received evidence and documents by using RTI Act that prove that the bank officials had presented a false case before the Banking Ombudsman.

    Please guide if this matter can again be taken with the Banking Ombudsman or any other authorities concerned.

    1. Hi Ajay

      You can move to banking ombudsman first and then the court of law !

  46. nitin says:

    Hello sir
    I made complain regarding the statuary audit allotted by the central bank of India in Kota.
    The chartered accountant firm DCJ & associates from Kota (Rajasthan based) has been allotted 2 branches statutory audit by the central of India by taking bribe by the officer.
    The chartered accountant firm DCJ & associates did not possess the requisite qualification as demanded by the CBI.
    Two main branches audit are given to that CA firm without checking the application on some pre decided fee on taking bribe by the bank officer.
    So sir please considers my application and takes immediate action against regarding that.

    1. Hi nitin

      Your cases is a bit complex and I think we are not the right people to comment on it.

      My suggestion would be hire someone who is professional in this area and consult them

      Manish

  47. ANTHAM says:

    SIR
    AAJKAL SAHARA COMPANY ME BAHUT GOTALA CHAL RAHA HAI.UHA PAR SIFCL KA UNCLAIMED AMOUNT KO GALAT TARIKE SE DUSRE SCHEM ME TRANSFER KIYA JA RAHA HAI.RBI KE PASS JALI PASSPASSBOOK,CERTIFICATE KE SATH FARJI SIGN TATAH JALI KYC KE SATH VOUCHER SUBMIT KIYA JAEGA.SAHARA KE HAR BRANCH ME YE KAAM HO RAHA HAI.

    1. Hi ANTHAM

      Your cases is a bit complex and I think we are not the right people to comment on it.

      My suggestion would be hire someone who is professional in this area and consult them

      Manish

  48. Tushan says:

    Respected Sir,

    Sub.: ATM Fraud in AXIS BANK (Rs. 50,000/- debited from account without my involvement/permission.)

    I, the undersigned, Tushan Bahl, working with SOPRA Pvt .ltd, holding a salary account (A/C No —– 914010024637209 ) with AXIS Bank Branch: Sec-62 gautam budh nagar UP-201301, wants to log an FIR against the BANK regarding ATM Fraud.

    On 6th JULY 2015 around —- I got five message from AXIS BANK regarding my account is being debited with INR 50,000/- (20000/-, 5000/- and then again 10000/-, 10000/-, 5000/-) from my account at an ATM in PANAJI, Goa when the card was there with me in Delhi.

    Immediately, I Called Customer Care number to file a complaint and block the ATM. He checked my account and told it was an ATM withdrawal from AXIS BANK ATM from Panjim/PANAJI. He also told me that he will not help me in any case, so I want to file an FIR and log a complain regarding this.

    My account is being misused because I have my CARD with me at my house in delhi, and the transaction took place at Panjim, Goa at same time.

    I have registered an FIR, also i have registered an complaint to axis bank but i am not getting any positive response from them.

    Hope you will do the needful favourably at the earliest.

    Thanks and regards
    Yours Sincerely
    Tushan Bahl

    1. Glad to know that Tushan ..

    2. MOHSIN says:

      महोदय
      सर मेरा नाम मोहसिन खान है मै जिला छिंदवाड़ा मध्य प्रदेश का रहवासी हूँ। दिनांक 12 अप्रैल 2015 दिन रविवार समय शाम 5 बजके 23 मिनिट पर मेरे IDBI BANK A/C NO.0711104000010123 से 19032 रुपये तथा 5 बजके 24 मिनिट पर 4758 रूपये ट्रांजैक्शन चार्ज 310 सहित निकाले गए जिसकी सूचना मुझे मेरे मोबाइल न 9303186940 पर प्राप्त हुई जिसके पश्चात् मैने तुरंत अपना ATM CARD कस्टमर केयर से बात करके बंद करवाया । रविवार होने के कारण बैंक बंद था तो मैने घटना की FIR करने सिटी कोतवाली छिंदवाड़ा में जाकर दी तो पुलिस ने FIR लिखने से मना कर दिया उन्होंने कहा आप बैंक जाकर मेनेजर से संपर्क कर घटना की जानकारी दे।दूसरे दिन सोमवार को जब में बैंक गया तो बैंक ने स्टेटमेंट निकाला तो पता चला मेरे अकाउंट से लंदन के नॉटिंग् हिल्स से ये पैसा निकाला गया है।यह बात जान कर मुझे कुछ समझ नहीं आया ।उल्टा बैंक मुझे बोलने लगा आपने आपका ATM किसी को दिया है या एटीएम no कोई को बताया है ।जबकि में एटीएम का उपयोग कम ही करता हूँ।यही विवाद करते हुए बैंक ने कोई भी ज़िमेदारी नहीं लेते हुए मामले को टाला ।पुलिस भी कोई एक्शन नहीं ले रही है।
      महोदय में एक सामन्य नागरिक हु ये रकम मेरे लिए बहुत बड़ी है। आप कृपा कर इस मामले को ऊपर तक ले जाने का कष्ट करे । कृपा कर मुझे न्याय दिलाइये।
      धन्यवाद

      1. Hi MOHSIN

        This is very specific query which you should follow up with the concerned authority only. We wont be able to comment on that

        Manish

  49. Faheem says:

    I applied for home loan in DHFL bank but the service is pathetic & am facing harasement from bank. Finally i have to quit and now i am facing problem to get my documents and processing fee cheque. My case was dealt by Mr Anoop from and daily he use to call me and says i will come today and this has been happening for the last 4 days. Bcoz of this i am tensed these days. Pls help….
    Lucknow

    1. Sadly this is the issue with any bank other than the top one’s

      1. Mahesh says:

        Namaste sir.
        I am also facing similar problem with LIC Housing. I have given written request for list of documents held by bank around 50 days. They are telling that they are not able to locate my files, but they will be locate to soon. I am under tension..they are just buying times. I am not able to transfer my loans to another my convinient bank. Kindly guid me how to adress this issue.

        Thank in advance.

        1. Hi Mahesh

          This is very specific query which you should follow up with the concerned authority only. We wont be able to comment on that

          Manish

  50. ravindra says:

    Sir am ex services man from army. Am having complaint about bank of India they have stopped my account,my pension , ATM, passbook, I want to know that bank is having writes to stop my account , ATM or etc,,, without information or notice please tell me my contact no -8108744100 please help me out

  51. ANILKUMAR says:

    I am having a HDFC salary account. I got frustrated with the dealing of bank . When I went in their Mandakini Branch, first they were insisting me to open a saving account instead of salary account by saying that they were not having the salary kit. When I didn’t agree then they offered my kit after three hours wait & after four days when account was supposed to open, they rang me up and told me to return the kit as wrong kit was given to me. Anyhow, I managed to return it to the branch for which I took from them a letter for the same mistake & agreeing that I don’t have any responsibility for any misuse of the kit. Finally after 15 days, I received a kit from bank HO & in the same kit ATM was not given. When I spoke to the bank official he told me that it might be delivered separately in the next few days but it was not delivered. Ultimately when I visited the branch they told me ATM card is chargeable even in salary account, then I decided not to go with the card & I asked for third party transfer form, which I submitted at branch on 23.05.15. Neither I receive the IPIN for third party transfer, nor I be able to log into my Netbanking. Everytime I enter my password it is giving a wrong password message. When I contacted at customer care for the issue they generate a request for new IPIN without taking my permission & told me that I shall be charged for it.
    Kindly help!

    1. Chaitanya says:

      HI Sir,

      I took Home loan from DHFL for 34 lakhs for the property of 44 lakh. Remaining money i paid in DD. to builder.
      Builder not given procession from past 3 years. I applied EC for the same flat and found multiple registrations done to same flat by same builder to other people. There is one registration before me to.

      When i am going to details of the sale deed i found shocking, sale consideration of sale deed is 17 lakh only . And check numbers mentioned in my DHFL loan agreement are not matching which ref in sale agreement. I understand from some sources that Bank also involved in this fraud.

      Can i approach BO for sanctioning loan for already registered property.
      Issuing loan to builder more than sale consideration value. And not reference of checks are mentioned in sale deed.
      mortgaging property for all this.. I already paid EMI around for 15 lakh.

      Please help me.

      Regards,
      Chaitanya.V

  52. Mohammed says:

    Hi Manish i read ur Messages its really good to support and replay for all people like me. My problem is am a Syndicate Bank Holder, Someone hacked my ATM and he withdrawn total of Rs.18900/- in Mumbai, Bank of Baroda Ghatkopar (W) and i lodge complaint in my Syndicate bank but our manager not responding well, so i lodge today complaint in Ombudsman, Can i get Refund of my Amount? and if i get wen i get? and how much i get?

  53. Simron says:

    With recent introduction of PM insurance plans, Andhra bank is trying to take advantage of its customer’s money, deducting the money without customer’s approval or application.

    Here is the full story with bank A/C statement: http://www.quora.com/Who-else-has-seen-AndhraBank-debiting-money-for-PM-Insurance-Plan-in-your-A-C-without-your-approval-or-knowledge

    Andhra bank deducted money for PMSBY insurance plan without customer’s knowledge.

    Stay away from these banks – when are they going to learn to respect that customers ?

    1. Thanks for your comment Simron

  54. Abhishek says:

    Dear ICICI team and cyber crime cell

    My name is Abhishek kumar and my ICICI A/c Number-039601511485. This is regarding my complaint number SR368869355 and SR368869349 dated 23/05/2015.
    There was an unauthorized transaction of Rs.10338.37 and Rs.518.52 from my a/c by Debit Card swipe.One day before on 23/05/2015 i have made two shopping with card swipe with different two shop. It was impossible because the card was with me all the time & I was in office and still have the card with me. when i called customer care ,they suggest me withdrow the rest money and block the card then go to the police station do the FIR.

    Then i go to the patudhi chowk police station on 8.30 pm he said you have to came on morning 9.00 am because “HAMARE SAHAB ABHI NAHI HAI MORNING ME AANA” . As per said i reached there on time and meet with PS Incharge he said its not mine case you have to go to your branch we can’t help you . They behave like i am quilty persion .after that i go to the cyber cell gurgaon SEC-51 but its sunday off day.

    No one was taking responsibility for that even Police . i have so much regard with our police i know so much pressure on them but they cant behave like Accused .we think when ever we are in problem the our police help us but our police create problem where we will go

    NOTE=ICICI bank if your bank can not do anything then i think people should not use your services.i don’t understand what type of secure account you have its hard to believe that something can be done by a reputed bank and without security how can you transfer the amount and last thing why don’t you can cancel the transaction.

    i just want my money back as that was hard end money.I am confident and sure that i did not share my password to anybody and i have not performed above said transaction. I frequently us card and always pay my bills on time. I always use my office desktop and home laptop for internet transaction.

    Please investigate about this card fraud soon and provide me justice.

    1. Thanks for your comment Abhishek

  55. RK SINGH says:

    I HAVE COMPLAINT AGAINST A BRANCH OF CENTRAL BANK OF INDIA AND I HAVE BEEN GIVEN A BO COMPLAINT NUMBER. HOW CAN I TRACK THE STATUS OF COMPLAINT ONLINE.

    1. I dont think there is a way to track it online

  56. Bhanu says:

    Sir,
    2 days back my daughter’s debit card details were used fraudulently by somebody to make a purchase of about 10,000 Rupees. She immediately made a complaint on phone number, late evening, on the helpline number given on the card, for blocking the card. Next morning when we went to the bank, Andhra BAnk, they said it was not blocked yet. We had to give a written letter to them regarding same.

    Secondly we wanted to know how and where this transaction was done. They could not give any reply.

    Please suggest the way out.

    Bhanu

    1. I think they will not be able to share with you the exact location. It will take time for them to dig it deeper !

  57. Ruchi says:

    How to apply complaint cash not received atm tanjection

    1. Hi Ruchi

      You need to contact bank for this

  58. sapana singh says:

    Dear Team,

    I request you to help me out. I have applied for home loan in year 21011 with DHFL bank. And i have paid Rs. 78000/- as processing fees to the bank. after nearly four years i havent recived any payment. Last month i started to speak to DHFL team( head office Haryana ( Ms Parminder) & Ms Deepali from Mumbai ( Dahisar Branch) they have emiled me details of cheque saying they have return this amount to us with cheque no. but i havent received any cheque or any amount from them. Now i am asking them to send me detail of the chequet to whom they handed over, and in which account it has been cleared. I am not getting any response from them. i have been cheated by this people.

    Please help me out & let me know the ways to to take my money back from DHFL mumbai.

    1. Hi sapana singh

      I suggest that you now take the RTI route. You can file the RTI and ask your queries to them. THey are bound to reply you on your queries.

      Its a bit long cut, but works well

      Manish

  59. pankaj kumar says:

    My Wife received the call, from the number 8298986521, he is asking ATM detail and Date of birth etc, after refusing he misbehaves rudely

    1. govardhan mohanlal karwa says:

      i my account of saving no.32300210017580 with union bank of india since 2006at jalna branch.On dt.13.1.2015 mr.sandeep debited rs.200.giving reason in my passbook photo attastation charg.When in writing i ask explination of photo attastation they gave me in writing that charges of record maintanance.they charg &they charge rs.100. two times.on same date. Than i send complaint to head office on dt 20.3.2015. uptill this date they not repplied .again i send 2nd reminder and copy to reserve bank mumbai.I think if there is 200000 lac account than bank might be earning rs.4.00 carrods per month.then why should they reply my letter.I also think people open JAN DHAN account will suffer rs.2400/ per annum.in saving account.if I will Not satisfy i will up laod record on social media against union bank and appeal peaples of JAN DHAN account to awaire for there Money.

    2. Hi pankaj kumar

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  60. Reenee Rajan says:

    I had applied for a personal loan from indraprastha finance after seeing their advertisement continuously in the Deccan chronicle on 23 march 2015. On April 6th, they contacted me and said my documents were in order and that they would finish processing within 2 days. I was asked to pay 2500 as processing fees into their lawyer , Mr. Rakesh’s SBI account 33310597099. The next day they sent me an approval letter and asked me to pay the legal fees of 7500. I paid that too. The next day they said since this was a state to state RTGS transfer, I had to pay 22000 before they could send the funds. Then they said there mine was a savings account so I had to pay 25000 as security against 2 months installments before they could transfer the money. After I paid that they said they couldn’t transfer the amount, but would send a staff to pay me by hand but I would have to pay him 20000 for his ticket fare and expenses.
    I paid a total of 77000 into the same account in all. Finally on April 15th, 2015, Mr. Rajbeer Singh, assistant to the director Radhika, told me to pay a bribe of 20000 or I would not get the loan.
    I told them I didn’t want the loan. I just wanted my money back. He said he would talk to the company lawyers and let me know.
    After that, no one in that company is attending my calls. Messages or emails.
    I have audio recordings of all phone conversations, hard copies of the money transactions and all emails with me.
    Please help me at least get back the money I sent them

  61. Gaurav Khurana says:

    I had used my atm for withdrawing 10000 but i got only 9500
    but my account was debited by 10000
    I have lodged a complaint to my branch immedieataly and also an online complaint to banking helpline.

    almost 20 days has been passed no refund has been made to me and neither a satisfactory response is given by bank.

    What can i do now?

    please provide me the link to apply to ombudsman

    1. Hi Gaurav Khurana

      I suggest that you now take the RTI route. You can file the RTI and ask your queries to them. THey are bound to reply you on your queries.

      Its a bit long cut, but works well

      Manish

  62. NISHA says:

    Hi Manish,

    can you please respond on my query?

  63. NISHA says:

    Hi Manish,

    indeed very helpful and appreciate your response for everyone’s query.

    i have an issue for the corporate account whereby bank is charging pre payment charges on pre closure of term loan facility. there is a difference of interpretation in relevant clause in sanction letter basis which bank is not accepting our submission for not charging pre payment penalty. please asvise.

      1. NISHA says:

        No, as mentioned, this is a corporate account and this is a business loan in form of term loan.

        if is it possible you may please share your contact details to discuss further on this matter

        1. I think what ever is written in the agreement will be final . I myself dont have much info on this .

  64. mani says:

    sir,
    i authorized fund of rs 200 to a online merchant from my icici acct – now the online merchant is not responding and service not provided either.
    does filing a complaint with icici help me in getting this fund back..does ICICI provides any sort of a protection for fund paid from its account
    for any merchant services as part of customer benefits?

    1. I am not very clear on this . Talk to ICICI customer care !

      Manish

  65. Prashant says:

    Hello !

    I have been requesting HDFC credit card to settle my card value. I am not interested to continue the card any more. I blocked the card told the executive for settlement. Meantime I was told that the card value is settled with an EMI for 10 months. After paying two EMIs I came to know that the information is false. In between HDFC has issued another card number and asked the money to settled through that. They have not issued any card and also no statements have been issued during the period. Moreover they have charged late fees and other charges
    during the period. There are a group of people who pretended to be executives of HDFC bank were involved in giving me false information. I have their mobile number and land line number of HDFC bank. When I approached their Nodal officer sequentially, they need proof of what has happened. All these happened over phone because I believed them.

    Nodal officers correspondence informed me over email that ” Account has not been settled. Bank issue letter of settlement and send to customer. For settlement I will have to contact their branch over phone. I am not interested to contact them over phone because I stopped believing them as I am cheated. I also requested to
    settle the amount after waving the charges but always I am intimated to contact branch.
    Today one executive called up and told me that they can not give it in writing and settlement are normally over phone.

    Bosses are telling that settlements are done and letters are being sent while executive says they can not issue the letter.

    I have received a mail from their Vice President stating that I can approach the
    banking Ombudsmen with a complained number.

    Please advice.

    Thanks

    Prashant

    1. Hi Prashant

      Yes, I think approaching ombudsman will be the best thing to do

  66. april says:

    hi
    i recently went through a rude behavior attitude with one of the lady official in sbi chennai branch. just to add- the bank manager is really a nice guy and even he feels the lady official behaviour is not acceptable. her behaviour seem to be that way with most of the customers that day.
    this is where the complaints stands now, and i need advise.
    1. sent a email complaint to the bank branch manager and cc-ed- dgm
    2. dgm acknowledged it a month back – no reply yet after that
    3. filed a RTI with nodal officer ,ccing branch manager – and it is getting close to 30 days – no reply yet
    4. just filed a copy of the complaint with the banking ombudsman,chennai.

    can you advise on what exactly happens after this..i dont wish to call and follow up on this..as i need everything (all conversation) in writing via email in this case. do you think will there be any investigation going on really on this? will this really have any impact on correcting the behaviour attitude of the official in question..also, what next steps do i have if i had to take this further? I cannot digest the fact that rude behaviour of these officers can be taken for granted with no corrective measure in place..what sort of a proof do i need here if i really have to take this to an extent to claim the 1 lakh compensation for mental agony caused..

    1. Did you get reply from Ombudsman or not ?

  67. Rajesh MM says:

    I have received 3 Credit Cards So far.
    1. Card 1 -> Hacked, Complaint raised with Bank issue resolved after sending all requested documents along with FIR and Cut Credit card

    2. Card 2 -> Received new card as replacement to first Card

    3. Card 3 -> Received as replacement to Card 2. This Card is secured with Chip

    Issue is Card 1 [First one, Which i sent to Axis bank when It was hacked] is hacked again. Bank is asking me to provide FIR, Cut Credit card and other things.
    What Can I do? It was under bank possession.

    So I have raised a complaint with Banking Ombudsmen, but I don’t know the status. How to track?

    Fraud Transaction happened: 29th Sep 2014
    I reported to bank on : 26th Oct 2014
    Date I raised complent with BO: 27th Feb 2015

    1. Hi Rajesh MM

      The question asked by you is beyond our scope.

      Manish

      1. Rajesh MM says:

        Hi Manish,

        Thanks for your reply.

        I will fight, I will update the result, It might help someone in future.

        BR//Rajesh

  68. Ruby Alvis says:

    I have made several calls, spent hours , even approached the chat team for help but it was simply wastage of time. As far as my knowledge, the card gets blocked even I , the owner of the account/card raise a request for card loss/damage. Am I right on this?

    Ruby

  69. Ruby Alvis says:

    This is to bring to your notice about the poor customer service and carelessness, I received from ICICI bank.

    On 13th February, Friday, my Debit card was all of sudden blocked without my knowledge. As per policy without the customers knowledge they do not have the right to perform any activity on the consumers card. By doing this they have breeched their policy.

    Also, to my surprise, I did not even receive any transaction failure or invalid transaction on my registered mobile number or the email address.

    I even spoke to “so called manager of the ICICI”, but he seemed to me like a duffer and I seriously pity on the quality of staffing that ICICI possess.

    Till date I haven’t received my debit card and I am broke.

    Your assistance in this regards will be appreciated.

    Many thanks,

    Ruby

    1. Hey Ruby Alvis

      Thanks for sharing your experience with all of us. It was a great learning.

      Manish

      1. Ruby Alvis says:

        I have made several calls, spent hours , even approached the chat team for help but it was simply wastage of time. As far as my knowledge, the card gets blocked even I , the owner of the account/card raise a request for card loss/damage. Am I right on this?

        1. Hi Ruby Alvis

          Yes, you can raise the request because you are the owner of the card.

  70. raji says:

    the email id in the list of bnking ombudsman is not working !

    1. You can now search for the new one on their website !

      1. nishu bhardwaj says:

        dear sir/mam.
        i am nishu bhardwaj . i have an account in SBI(MEERUT BRANCH UP).ON 6 DEC 2014. IN NEHRU Place delhi. i used UBI ATM(UNION BANK OF INDIA)AND ENTER 500 RS.but there is no amount i goted.becz atm gaurd told me there is no amount in machine atm.
        after few minuts i got one msg for deduct my amount 10000 from my account. but no money i had issue.i was complaint to customer care 4,5 times and also submit application to my branch but there is no response to me and they refuse my complain again and again. please i requesting to you. please refund my amount.

        i have made a transaction but i have not able to collect my money. i have made transaction 3 times of 500 rs. but i have not get my money.and deduct 1000 from my account. ATM machine is having technical problem

        1. Hi nishu bhardwaj

          Please check with the customer care of the bank on this issue

          Manish

          1. nishu bhardwaj says:

            DEAR SIR,
            I HAVE ALREADY CHECK WITH CONSUMER CARE, BUT NO RESPONSE FOR THIS. PLEASE ADVISE TO ME , WHAT I DO. TO RETURN MY AMOUNT

            1. It cant happen that there is no response. Are you saying that there was no judgement ?

  71. raji says:

    tds even after giving 15g, h
    hv an a/c in syn bnk beedupalli. fill 15 g, h regularly.
    many of the VCC s, at maturity, return an amt much less than that mentioned as maturity amt. on the deposit form.
    the staff say that it may not hv been flagged,,,(which they shd hv done)….and they show helplessness….
    this is frustrating, to say the least…

    1. Complain to banking ombudsman

      1. raji says:

        thank you.

  72. Sandeep says:

    Hi,

    Recently I caught Kotak Bank Red-handed. They are taking prepayments on home loan thru cheques and passing entry in customer account after 4 days of clearing cheques, so they are extracting 4 days interest from customers.

    I complaint to Kotak, but vain, further I contacted B.O. and I got refund of <2K return from Kotak, but I found BO have some understandable setting, they rejected my complaint, and no response for penalty.

    Kotak Bank are doing same cheating with all of the customers.

    I think I need to file court case against Kotak Bank. Can some body share is any PIL type of writ in consumer courts accepted ?

    Thanks

    1. You can directly complain to Consumer court yourself. you dont need a lawyer for this .

      Manish

  73. Niranjan Patra says:

    Thanks a lot.
    Regards, Niranjan

  74. Niranjan Patra says:

    Dear Sir,

    The topic and points of Banking ombudsman is really eyeopener. After going through all comments and its reply now I have got an idea to send a complaint to Banking ombudsman. Prior proceeding for a complaint with BO, I seek your advise on following issue.

    Following 2 Fixed Deposits as per details given below were opened with the branch. On its maturity I got short payment of Rs 5415+381 in both FDs . On inquiry the bank authorities had clarified that this is due to deduction of TDS. It is not understood the reason behind forcefully deduction of TDS In spite submission of Form 15G personally with the branch each year :-
    Amount invested – Rs 150000/-
    Maturity Value – Rs 196642/-
    Date of Maturity – 07/09/2011.
    Amount received on maturity – Rs 191227/-
    TDS deducted – Rs 5415/- AND

    Amount invested – Rs 191227/-
    Date of Maturity – 08/06/2014.
    Maturity Value – Rs 245706/-
    Amount received on maturity – Rs 245325/-
    TDS deducted – Rs 381/-

    Pls Note – In between 3 yrs, two BMs have already been transferred from the branch who had made deaf year to my request and the present incumbent is just giving me false assurances to provide TDS certificate since last 2 months but to no avail. On inquiry from TDS Centralised Processing Cell, it is learnt that no TDS deposited between FY 2011 to 2013 which clearly reflects as deficiencies in service by bank authorities.

    I have planned to pray Banking Ombudsman for refund of TDS alongwith its interest OR TDS certificate against the amounts deducted with compensation of Rs 10000/- for harassment and mental agony. PLS SUGGEST
    Regards, Niranjan

    1. Send this to banking ombudsman directly now ..

  75. gourav dabra says:

    r/sir
    with due respect i want to say that my mother was partner of 33% with two other partners in a firm which is registred . but my mother was died on 25/11/2004 and after the death of my mother other two partners had taken cc limit from sbi with fake doc like partnership deed of same firm which is not registred any where . property papers which is mortgaged with bank is joint we are legal heirs of my mothers share in firm but all doc are fake like balance sheet are differ from sales tax office map which is given that is the entrance of my house . now bank want to auction of my property . please help me i tried to meet bank officer to attach the property of the same person who had taken the cc limit but bank had submit the case in drt chandigarh and not listining me , i have all the doc which is required and shows that bank had given the cc limit without verifying the documents so please reply me as urgent as possible , i will be very thank full to you

    1. Meet a lawyer and file a case against them . its a criminal case now involving fraud and forgery !

  76. Raj says:

    Can i drop a cheque at the branch of a bank where I’ve no a/c to get the money credited to my a/c at other branch of the same bank?

      1. Raj says:

        The chief advisory manager at state bank of India has refused to clear cheque by saying that nor the paying person has a/c with us neither the receiving person, so we cannot clear your cheque instead of both accounts are with state bank of india.

        When I said that it is not possible I can drop here also cheque for clearing he behave rudely and saying that i will charge the cheque return charges.

        Thanks & regards

        1. Tell him you will complain to banking ombudsman regarding this . At last you cant do anything immediately , but now you can complain for it

  77. espected managment head . I self sanjay kumar Imployee in axis securities ltd. since last 7 month sir my senior boss mr luv kunal ( sales manager dehradun location siting ) he is last month he want me resign show any problem .sir last month says u r location has been change in meerut after this days i have leave in 5 days but he is marked mail axis securities branch head mail so this employee i have not repoting last 10 days but i sitting contuening come up branch axis sec. &axis bank i says my branch head all problem he know me but they have not solution my problem pls kindly managment head in credit card dept. i have torchar me my boss kindly requested sir pls solution my problem or send mail id or contact this problem solution centerbecause me & my family tens about my job because i have single human his dependet on m,e sir my languge i know not accurate but pls understand my problem (SANJAY KUMAR emp code ASL /DEH /82082 ADD -axis securities ltd. subhash road near income tax office dehradun 248179 (u k)

    1. Sanjay

      Thanks for sharing your issues. Did you tell banking ombudsman about it ?

      1. respected admin sir , i have thanks for u intersted for me meter because no one no reply about this meter relaited person not responding ‘ sir requested can i rejoin this job or not so pls gave a satisfactry ans. what can i do because sir iam really very tense & botthered this meter but my managment & my senior boss not intersted i give me our resional office and branch dispatch a conferm letter but they are not response sir if u resolve this meter soon possibally or if ur not elligeble solw this problem so can i pls forwerd any relaited officer or banking ombisment send me mail id or contact person no.( thanks ). waiting sir ur

        1. sir , tommorow i have send a replly for your compliement for this but sir ur not reply my question pls sir give me solution this mistry thanking for u

  78. I PITI YOU YOUR BANK FILED OFFICER IN SYAMALA NAGAR BRANCH IN GUNTUR MISS BEHAVIOUR AND HE WAS MISUSE OF HIS DUTYEIS AND RESPONSIBILITIES PLEASE CHECK YOUR BANK IN LOANS SECTION.

  79. Pooja A says:

    Hi Manish, Thanks for ur reply.

  80. Mohan Lal says:

    All India Punjab National Bank Scheduled Caste &
    Scheduled Tribe Employees Welfare Association
    Central Office: C-77 Double Storey Quarters, Idgah Road, Delhi-6 (Ph: 23615704)
    (Office: Punjab National Bank, Bank Street, Karol Bagh, New Delhi-110005)
    (Registered under Societies Registration Act XXI of 1860)

    21st December, 2014

    The Banking Ombudsman,
    Reserve Bank of India,
    Sansad Marg,
    New Delhi 110 001

    Reg. SB Account no. 0629000200157253 in the name of All India Punjab National Bank SC/ST Employees Welfare Association, at Punjab National Bank, New Rajender Nagar, New Delhi-60.

    Respected Sir,

    We are maintaining our above stated account at Punjab National Bank, Branch Office: New Rajender Nagar, New Delhi-60, in the name and style of ‘All India Punjab National Bank SC/ST Employees Welfare Association’ with its Central Office at C-77, Double Storey Quarters, Idgah Road, Delhi-6 for the last more than 25 years.

    The said account is operated by the Treasurer with General Secretary, or President jointly as per mandate given to the Bank. The signature of the Treasurer is essential with other signatories for operating the account. Going through the statement of account we observed that an amount of 1,21,000/- was debited from our Account on 27/02/2013 and further an amount of Rs. 1,24,684/- was debited on 11/04/2013. These two entries made in the account are without the knowledge and authority of the Treasurer of our Association. In this regard the Treasurer enquired from the concerned authorities at New Rajender Nagar Branch vide letter dated 25/04/2013 (copy enclosed). He also informed the matter to the President of the Association who also took up the matter with Branch Office New Rajender Nagar, New Delhi to know that how the amount was debited without the authorized signatories of the Association, as per mandate given in the Account to the Bank. In this regard, a number of letters have been written to the Branch, i.e. dated 05/04/2013, 12/06/2013, 02/08/2013, 19/08/2013, 01/09/2013, 26/09/2013, 28/10/2013, 03/12/2013, 30/01/2014 and 11/03/2014 (Copies enclosed).

    Time and again, we requested the Bank to seek the above information and to know if the mandate given in the account was followed while making these above-mentioned two transactions. Instead of giving proper reply in the captioned matter, our letters were forwarded to Punjab National Bank, Branch Office Gurudwara Road, Karol Bagh, New Delhi-5. We are not in receipt of any satisfactory reply from either of the said Branch Offices of the Bank till date. Vide letter dated 13/03/2014 of Branch Office, New Rajender Nagar, New Delhi, in response to our letter dated 11/03/2014, we were informed that the Bank had referred the matter to the higher authorities and they should revert to us shortly. But till date, there is no information to us.

    The complaint was also made to the General Manager, Punjab National Bank, Customer Care Cell, HO: 5 Parliament Street, New Delhi, vide our letter dated 08/04/2014. But we are sorry to point out that till date the Customer Care Cell did not provide the required information. As such, the matter is being referred to your goodself. You are requested to seek the above-mentioned information from the concerned authorities of Punjab National Bank and provide the same to us immediately, and appropriate action be also initiated against the delinquent officials, as you may deem fit. Relevant documents are enclosed for your ready reference and necessary action.

    Hoping for an early action,

    Yours faithfully,

    (Mohan Lal)
    General Secretary

    1. I hope you have sent it to ombudsman !

  81. Pooja A says:

    Hi,

    I wanted to open an account(Jan Dhan Yojana) for my Mom in Bank of Maharastra bank. I had reached branch on 10th of Dec with all the documents , but branch people did not give the form and and they said that “They dont have Account openings forms right now and they said us to visit branch on 18th of Dec”.
    With me other ppl were there on that day in branch and they said Ki branch is not giving the forms, and they have been visiting branch since 1st of Dec.

    I need your advice should i raise a Compliant against branch or not?

    1. The best way to tackle this is using RTI (you can do it online) . File a RTI asking for the stock of forms in branch on that particular date , what are number of forms distributed on that particular date, the number of accounts opened etc etc .. Once you get this date, its then in WHITE that they are not distributing forms to one section and also to others .Also I suggest you file a complaint on their grievance cell !

  82. RAJENDRA KUMAR says:

    Thanks Manish jee for your valuable suggestion ,i will try to file RTI …

    1. Welcome ! . Note that you can now file RTI online also .. check out youtube !

  83. RAJENDRA KUMAR says:

    Hello sir,
    my father is a retired state govt employ and he is drawing his pension from
    SBI,GUNUPUR BRANCH(RAYAGADA DIST, ORISSA) since 4 years he is suffering from paralysis and now he is coma , thumb impression is only mark to withdraw money but his condition is critical and we are 20km away from bank
    and chief manager is harassing , without bringing my father to bank they are not
    allowing us (mother live) at this stage can we lodge complaint this in banking Ombudsman ?

    with regards,
    rajendra kumar

    1. Yes, you should do that . If a person is in critical condition like this , there should be some defined process to take the money out . Also try to file a RTI with SBI to know what are the steps you can take !

  84. Piyush Bhateja says:

    It is really sorry to inform you that Reserve Bank of India is printing notes with mistakes. It is unbelievable.We are having two notes of 10 Rupees.

    In one with serial number 67T 223992 written at the right top corner , there is no mention of the number at the left lower corner. Instead number is mentioned on the left top corner that too wrong number 67T 263992.

    In other ten rupees note with serial number 68D 753679 written at the left lower corner, number is wrongly written at right upper corner as 68D 7536 9(7 is missing).

    On one hand we are taking strict measures to check fake currency and on the other hand we are making blunders.

    Should we expect these mistakes from RBI where thousands of employees are working under the Governor of RBI.

    Should we bring this to the notice of leading newspapers.

    1. It might happen that the one you have itself is Fake?

  85. Nagendrababu says:

    Dear Sir,

    I am using ICICI bank account. I did online money transaction to my friend account from my account. Later i realized that by mistake i have transferred money to unknown person account. I have given complaint in my HomeBranch ICICI bank , they said that , the unknown person account is also belongs to same bank and amount is already credited and withdrawn by unknown person . They sent a mail request to that person but he is not given replay to the bank.Bank guys are saying that if that person give response to their mail only they can refund my money back.From 2 months he is not responding to bank emails.Bank guys are also not responding correctly with my compliant . so my questions are
    1.how can i get my money back?
    2. what should i do now?
    3. will BO or SEBI helps to me?
    4. can i give complaint in Police Station?

    please suggest me.

    1. Sadly its your mistake and bank cant do anything about it . If you transfer Rs 100 crores to someone account, and the other person uses it, then will bank refund you Rs 100 crores ?

      I dont think by any logic, banks are at fault here. Sad , but true !

      Manish

      1. Nagendrababu says:

        Manish,
        is there any way to get my money back from that person?

        1. Nagendra

          Theoritically YES , you can check with bank on the details of that person, phone and email , address . Contact that person, ask your money back and if you are lucky , he will give it back to you. But practically , imagine that person says that he has used that money and cant give it back or simply wont give it back because it was his own money . You gave it to him because you took money from him long back and now you are not saying truth .

          Even if you go to police, and you say it was your mistake to transfer the money , how will you prove that it was a mistake ? my simple point is , if this is a very very big amount, you should pursue it, else the amount of energy you will put in this will be higher than the amount worth itself .

          I hope you are getting my point . I know that you are right here. But its one of the mistakes you did, for which you will have to suffer and there is very less you can do about it !

          Manish

          1. Nagendrababu says:

            sorry for disturbing you Manish,

            when i have given complaint about this issue in Bank, bank guys said that they freezes that person account.But now i called to that person he is saying that his account is working and he is using it daily.Moreover he is saying that i will not send money back to you with rashly.
            so my question is ,
            why bank guys are said to me that they have freezes his account?

            1. Only they can tell what is meant by “freezing” . I think either they are saying LIE to you or they have just disabled his account for futher credits from your account ,which means practically nothing has changed for the person who got it .

              I researched on this topic in last 30 min and here are two things I got to know

              1. Bank Credits happen solely on the basis of account number as per RBI rules. If name is incorrect or IFSC code is wrong, but account number is right, still the transfer can happen and its perfectly right on bank part/.

              2. If accidently we send money to wrong account (because we mentioned wrong account number) , we will NOT GET IT BACK , unless the beneficiary gives it back himself . Banks cant do anything about it and there is no recourse practically !

              Manish

  86. bhupendra parekh says:

    DEAR SIR

    I WANT TO OPEN C.A. ACCOUNT IN BANK OF INDIA MUMBAI I HAVE ONLY ONE DOCUMENT IN THE COMPANY NAME IT IS VAT NO ACCOUNT IS PROP. NAME OTHER DOCUMENTS ARE UNDER

    1 ADHAR CARD
    2 PAN CARD
    3 RATION CARD

    4 VAT COPY

    BUT BANK IS DENIED TO OPEN ACCOUNT ASK ME FOR OTHER PROOF OF COMPANY NAME WHICH IS NOT LIABLE FOR ME KINDLY TELL ME WHAT TO DO FOR OPEN ACCOUNT OR I CLOSE MY BUSINESS

    1. Unless you have all the documents, you cant open the account.

  87. Shweta says:

    Dear Sir,

    I hold a sbi credit card. On 27th June 2014 there were two transactions on my card 29,000 each total of about 58,000 at Target, Candad. My credit card was blocked by the bank itself on suspicion of a fraud. I called them within 3 hours and confirmed that I did not make those transactions. I was asked to send them filled dispute forms which i did email to chargeback@sbicard.com and Nodalofficer@sbicard.com . I also filed a police complaint with NYPD since I am in USA now. Later I was asked to send the picture of credit card and my passport. I did that too.
    I have never been to Canada ever in my life and have never done these transactions. They gave me a temporary reversal of the credit for one month after that they have again debited it from my card account. Now they are adding interest on it every month. When I call them they say the case is still under investigation but none of their customer care executive seem to know much about it. Since I am still in USA I wonder what next can be done.
    Please help.

    1. Credexpert says:

      Dear Shweta,

      With reference to the fraudulent complaint lodged earlier, ask the bank for a permanent reversal of the amount.

      Also, since there had been a fraudulent transaction earlier it can reoccur again in future, it would be advisable to close this card as soon as you get the reversal.

      Regards,
      Credexpert

    2. I think once you are back in India only then you can get more updates on this

  88. Anu says:

    Certain Bank harassing for payment of credit card/ loan outstanding which never belonged to me. When I raised with BO, bank has falsely informed them the numbers do not belong to their recovery agents.

    1. Then better talk to Police on this and put a harrasement case

  89. Nav singh says:

    Gud evng sir,

    Sir i have taken 3.5 lakh loan for setting up some buissness in january 2013 and was regularly paying the EMI at the rate of 8600 p/m but in the month of july and september i could not remitt the EMI and recieved harrassing calls from manager.I personally met and discussed with manager and assured him for payment on 1st october 2014. instead the manager deducted 22k from the account of second guaranter.

    Now kindly let me know

    1-I being unemployed and the buisness still immature i m not able to pay 8600 EMI.

    2-Can the bank deduct from the account of second guaranter living in flood effected kashmir.

    3-The loan was sanctioned with precondition of insurance and etc.

    Can the EMI be reschedule and reduced.

    I will be very thankfull to you for ur suggestions.
    thanks

    1. Credexpert says:

      Dear Sir,

      It would be advisable that you communicate with the bank in writing, regarding the deduction from the second guarantors account. You also need to check the Loan agreement terms and conditions related to the guarantor regarding deduction from his account.

      You need to speak to the bank regarding your situation and that you would like to restructure the loan.

      Both restructuring and late payments of your EMI will be reflected in your credit report and will impact your credit score which will influence your future loan applications. We would suggest that you get this sorted out at the earliest.

      Regards,
      Credexpert

  90. Lalita Khanna says:

    Indusind bank’s Misselling of Card protection plan

    I have opened an Account No 159855588877 with Indusind Bank Sector-9 Panchkula Branch (HR) after opening the account I have contacted there customer care department for providing me PIN No. of my debit card & They have explained many features of there website and CPP but I asked them that i am not interested in the card protection plan. there after two day I have received a SMS on my mobile regarding debit of Rs1399/- from my account on A/c of CPP whereas I have never requested & not filled any form or told any INDUSIND Bank personnel to avail the facility.It is clear fraud where the amount Rs.1399/- has been deducted without consent.In this regard I have contacted the customer care department once again regarding debiting the amount from my A/c without any my request or any confirmation from my side & requesting them for cancellation of above plan which the bank has opted at it’s own as per my cancellation Reference no. 24251507 dated 20th-sept-2014 .Now even after more than 15 days my payment has not been refunded .

    The branch executives are not replying correctly.They say I have to call customer care.Now INDUSIND bank officials are in no mood to help me get my money back. I am in helpless situation & harass with there poor services

    They know how to cheat the people. Every day same answers are coming from CPP deptt.answers are …..
    “please wait for seven working day it will direct credit to you’re a/c.

    1. I think you should complain to RBI on this

  91. Patricia says:

    I have taken a personal loan from HDFC bank for around 1.5 lakhs. I was paying for few months but now for few months I am going through very tough financial situation. I have also lost my job now and can’t pay my EMI unless i get a job. the HDFC recovery agent is continuously calling me. I told him I lost job and will start settling as soon as I get the Job. I asked him for some time around 3 months. He is not listening and continuously calling me and threatening that he will go to my house and collect forcefully. Why are these people not understanding my problem. I want time please to settle this. Please help me what do I do in this situation. Can I complaint this in banking Ombudsman

    Thanks,
    Patricia

    1. Credexpert says:

      Dear Patricia,

      It would be advisable that you first communicate with the bank in writing, informing them about the threatening calls from the recovery agents. You also need to speak to the bank regarding your situation and how you are planning to clear your loan.

      If you still continue to get the threatening calls, then you can complain to the Banking Ombudsman.

      Regards,
      Credexpert

  92. Jeevan says:

    i have taken a top up loan from DHfl Bank in the year 2010 amount Rs 418000 but in 4 year only 18000 is deduted from my pricipal amount without informing me bal today is 400000 i want to register in consumer count

    1. What is wrong with it ? Ask them for the account and see if things have been done as per terms and conditions or not ?

      Manish

  93. SOMENDRA NARAYAN GHOSH says:

    SBI, Parnasree Palli Branch, Kolkata encashed my LIC money back policy’s amount of Rs 12,500/- in May 2011. At that time, my home loan money was due to the bank and my LIC policy was with the SBI, Parnasree as a security document. I have cleared my home loan dues in June 2011. But the money collected from LIC has not credited in my either account i.e. neither Savings Bank A/c nor Home Loan A/c. After several visits to the bank branch when nothing was happened, I made complaint on-line to the SBI website. At last the said amount was credited in my Savings Bank A/c in April 2014.
    Now, I am claiming the interest for the period May 2011 to April 2014 and the present Bank Manager is reluctant to hear anything from me. He even told my wife “to be happy with the said amount. Nothing more than that will be credited to us”. Again, I made complaint on-line in the SBI website. On 18th August, I got a call from the SBI, Parnasree asking the details of my claim and justification of the claim. The gentleman assured me to see the matter. But till today the 09th September passed, no action have been taken and I am still deprived of the interest for those period.

    1. Then why are you not filing a RTI ? Its SBI bank and RTI will really help you

  94. Credexpert says:

    Dear Lorraine,

    Please approach or contact the bank directly to put on record that you have not taken a loan from from. Also, for the repayment calls from the third party, lodge a complaint directly to the banking Ombudsman.

    Regards,
    Credexpert

  95. Hi MY NAME IS LORRAINE KANDULNA
    this is to Inform RBI that ICICI BANK from New Delhi has been harassing me on a regular basis

    day and night calling my number on 9832226097, and they are threatening that we will enter your

    house and we will take away everything whatever you have in your house. This is Jeffery D’cruze

    Loan not mine. Every day calls are been coming from this number 011-45969629, and 011-

    408949215, and also it was told to me that we will send the Police to your house and get you

    arrested. As per the RTI law no BANK CAN HARASS A 3rd party and ICICI Bank has been doing

    this every day. I have a small daughter and am a single parent, i haven’t taken the loan from

    them then why are they calling me and threatening me. This person who ever she is has been using

    profanity and also says that I know you have a small daughter so if you want her to be in front of

    your eyes then pay us back the loan if not your daughter will be kidnapped. Why am i been

    harassed, does ICICI bank New Delhi want an FIR to be logged against them for ill-legal

    practices? Please since i know that ICICI BANK is registered through you and also you are the

    Ombudsman people i thought of letting you know this. If this is not stopped then i will be forced

    to go to the Police and to the court to logged a complaint against the bank. So please let them

    know that not to harassed me every day because I am recording each and every call of them.

    1. ICICI Bank Care says:

      Dear Ms. Kandulna,

      We are sorry to hear about your experience. We have made a note of your contact number. Our official will get in touch with you shortly and assist.

      Regards,
      ICICI Bank Customer Service Team

  96. vijaykumar says:

    Pl take the action against the collection agency of ICICI bank calling the member of relative members which is not connected with them and giving that threshing that he will come to home will inform with my wife what is the connection with her? I am file the case it is rape case and threatening that he will snatch the property of others and I will bring the 4 peoples these are word used and abusive languages. Pl take the immediate action about details are stated below
    I am mumbai
    To,

    Mr. K. Roy/Mr. P. Bhobe
    General Manager – Head Credit Cards & Personal Loans

    First of all i would like to inform all the members that i m grateful, that i came to know
    that such kind of site exists. I m happy to know that.Now I would like to share my problem
    with all of my dear members,

    I was working with top most Company Mumbai that is Voltec Insutruments pvt limited and was
    having Rs22000 salary per month, I have taken a credit card from your bank which is not
    required for me it is due to DSL department of yours forced to take the credit card and as I
    never come to you volutanry to your bank to take the card
    During my illness and father I spent all money and also swipe out my card in the meanwhile
    my organization is closed the sum of the money is held in the organization of voltec still it
    under court case you can visit the place also the address are with you.
    During the working period I was regular paid EMI and my credit cards payment.

    We were living in fathers house it is not belonging to you and after my father sudden death
    and registered in the name grandson and grand daughter of my sister
    The need to vacat the place as per their rule of the society
    . Now we are homeless and living on a rental basis Paying the amount after six months or
    yearly
    In recession I lost my job and my age is 56yrs now I m doing the consolation on
    pharmaceuticals on commissions basis get the some amount Rs 5000 or 7000/= it is small
    company make the payment after 90 to 120 until the project is successful.
    I was running through some credit cad and due to no cash inflow i was not able to pay the
    money to ICICI bank.
    Once i received a call from there department having the phone number 022-61988370/022-61988375
    which was a threatening call and then told that he will bring the four people and want meet
    my wife and other members as card is in my name what is relation he has with my wife If
    something happens to her then I will compliant as rape case and never the disclosed the name
    of person also DSL COLLLECTION AGENCY DETAILS
    I told him we will meet him one place and will discuss that guy very much interested to meet
    my wife then I have take the action
    This guy called my son just now completed the Post graduation he started the career just two
    months in working one firm threatening him who has given the authority to collection agency
    to call to my son to call. they misbehaved with son Admin staff of team leader , asking them
    to call him from him busy class. They also demand to fire him from him services

    If call comes to him the same letter to forwarded to Police station and legal department
    whatever is there it should be with me not to others. As issued thecard to me that time DSL
    never the call different person for this.

    Note the .As this card is lost in the which is informed to ICICI bank no proper is action
    taken the lodge of compliant copy is with me that can produced.

    .
    They also called me to my relatative place and abused very bad language and threaten to
    capture their property.
    .
    Now what should i do ? Help me out in it. As, now i won’t pay them a single penny but i want
    to fight against them.help me out with the further proceedings…

    Due to my age I lost the job in the year 2009 that time my company is closed and father was
    hosiptalised because of collection agency person of ICIC BANK threatened taken Rs 25,000/=
    from my father without my knowledge still ID card photo copy is with me. That time on wards
    conditions was worst in the year January 2009 and subsequent he expired in the year Nov
    2011 because of collection agency lot of money is spent on hospitalation you are responsible
    for it.

    I described the matter to you Pl give the details of that DSL ADDRESS, PERSON NAME TO take
    the action against them.
    As card provided by ICICI bank collection agency is authority to your organization not to me
    and other member of family.
    I will the settle the amount when family will be stablised or make settle the amount of Rs
    5000/= after 3 months in installment basis

    I will make suicide note will be given to advocate the expenses will be borne by the ICICI
    BANK and collection agency department

    Thanks and Regards

    Vijay kumar.D

    1. Thanks for sharing that with all of us

  97. sachin says:

    Hello Manish,

    I am a IT Engineer, from Pune , Maharashtra. 4 years down of the line, I have brought Home Loan from LIC HFL. and recently (3 month before), again brought Top-Up loan on the same property from LICHFL.

    But every time ,I had very bad experience with LICHFL. So I want to transfer my loan to some other bank. Is it possible ?

    In LICHFL agreement, they mention that for pre-closer need to pay 2% extra.

    Last year I get to know that , Supreme Court made amendment that pre-closer fees should not taken from borrower.

    Please suggest me .

    Thanks, sachin

    1. Credexpert says:

      Dear Mr. Sachin,

      It is possible to transfer your loan keeping in mind the various charges that you will have to pay. Consider the transfer fee and the difference in interest rates and only then take a decision based on whether it is advantageous to you or not.

      Also, does your home loan have floating interest rate? If yes, pre-closure fees are not applicable on home loans with floating interest rate. However if it is fixed interest rate, these charges are applicable and therefore you should take these charges also into consideration.

      Regards,
      Credexpert

    2. Its only for BANKS and not NBFC (like LICHL) ..

  98. mahesh katarmal says:

    i, Mr. Mahesh Katarmal, Partner Of M/S. RAVI AUTO SERVICES, is a Dealer Of Bharat Petroleum Corp Ltd. We have our office at 271, Dr.Annie Besant Road, Opp. Ceat Building, Worli,Mumbai-400030 We are in the business of selling Petrol and Diesel to the Motorist and Truckers through 3 petrol pumps in Maharashtra:

    Dear Sir I Have To Address You As Under,

    We would like to bring to your kind attention that we are valued customer of HDFC Bank since the last 10 years. We both have enjoyed a very good relationship with no untoward incident having occurred at both our ends.

    We Are Preferred Customer Since Long Years. We Are Carrying On Business Of Selling Petrol, Diesel And CNG As Authorized Dealers Of Bharat Petroleum Corporation Ltd. As Per the tie up between Our Corporation Bharat Petroleum And hdfc Bank, we have been instructed to Open An Account With HDFC. Also The Credit Card Swiping Machine installed at the outlet is of your bank only. We Are Swiping high Amount Of Transaction In LAST 10 YEARS through hdfc swiping machine. More over I like to inform you that apart from this account I am having more than 25 to 28 Relation with hdfc bank in terms of Car loans, Insurance ,Saving Accounts, Credit Card, Fixed Deposits, Mutual Funds, and many other current and saving Bank Accounts. In The Regular Course Of Our Business We Collect The Cash From Our Cash Customer And Regularly Depositing the same In Your Bank. We Are Depositing Cash In Same Home Branch Account Even then Your Bank Is Charging Us A Cash Deposit Home Branch Charges. As an explanation in this context, we would like to inform you that we have a high selling Petrol Pump at National Highway No.4, and we have cash transactions to the tune of Rs. 15/- Lac per day and this money is being deposited to your Vashi Branch situated at Sector 7. Our Customer ID 20104196 is in the name of Ravi Auto Services. We cater to all trucks plying from JNPT to Gujarat, Delhi, Rajasthan and other big states therefore our cash sales is large. This money too is deposited in Vashi Branch and then transferred to our OD account at Prabhadevi Branch for onward payment to BPCL and other parties.

    Initially there was no cash transactions charges levied on us. However, we were charged Rs.1,42,015-/ in the year 2010, which was reversed after we took up the matter with senior officers from your Bank. Again, in Aug-2012, we were charged Rs. 1,10,713.90 as cash deposit charges for cash deposited in your Vashi Branch for the period 2nd Aug 2012 To 13 Oct 2012. I Immediately Met Your Concerned Officer Mr. Nishant Shah (R M ) And Also Addressed A Letter to him. The entire Amount was Credited back into our account within two months of our complaint date.
    The Total amount is Rs.7,94,420.00 (SEVEN LACH NIGHTY FOUR THAUSAND FOUR HUNDRED TWENTY ) Debited in our Account

    I hope you understand that this causes us lot of harassment to as we have to again & again request and follow up to your officials for reversal of these charges.

    Hoping And Anticipating A Favourable Answer At Your End.

    Yours Truly,

    Mahesh Katarmal

  99. bhiru says:

    what should the public do if some dalal take loan in others name without the knowledge of that person? these dalal people with the help of bank staff take maximum kcc loan in others name illegally which are fake loan….the documents given for these loans are fake and the manager knows everything. If someone try to protest there illegal act than that person is brutally tortured with the help of police force. therefore no one is daring to protest against their ill act… they already take away morethan THREE CRORE Rupees from the Bank… what should we do to stop their illegal act???? Please suggest and give the main complain id of UNITED BANK OF INDIA… you will be highly apreciated

    1. Credexpert says:

      Dear Mr.Bhiru,

      This appears to be a case of identity theft. You may try and approach the Banking Ombudsman for recourse on this.

      Regards,
      Credexpert

    2. Have you filed a Police complaint on this ?

  100. Moin Haidar says:

    Hi, I have citibank a/c in Hyderabad. I live in Chandiarh. Recently I used Axis bank ATM to withdraw 50,000 having 5 transaction of 10,000. Unfortunately each transaction happened twice and 100000 amount debited from the a/c.
    After 2 months of investigation, citibank says transactions were valid and we can not help anymore.
    Can I complain to Chandigarh Ombudsman or it should be Hyderabad one?

    1. It has to be Chandigarh Ombudsman where the incident happened !

  101. Suparna Gnaguly says:

    Hello… I have made a transaction of Rs.45000/-using my icici net banking . Soon after the transfer I realized the payee represents some fraudulent group. I requested payee’s bank (Axis) to ‘stop’ this credit. Axis told NEFT is irreversible , so they freeze the amount. It happened in March-2014. I have placed my application to ‘icici’ requesting recall of this transfer, but they did not recall saying ‘NEFT’ was done by me , so no penetration or fraudulent act was taken place. My transferred money is lying with Axis bank account and Axis is saying they may release the fund if receives ‘recall’ request from ICICI.

    Please guide me about.

    1. Actually bank is right here . Because you did the transfer, there is no fraud as such and NEFT cant be stopped like this .

  102. Dr. Pradeep Khedkar says:

    Hi Manish,

    I need your advise on this.

    I had Home loan account maintained since 2006 in Chinchwad Pune Branch of SBI–Home Loan Account No–1089419602.
    I had Savings account also connected to Home loan account—10894017750.
    In 2013 I got 12.69 Lacks Loan from SBI Chinchwad (Approved from RACPC Wakdewadi Branch) Morgage loan on same property—Act No–32890914603 and I am paying regular installments of the same morgage loan since last 1 year till date.

    On 2nd May 2014, I requested Chinchwad branch home loan dept to close home loan account by taking due ammount from me if by rules it is possible to close it. I also informed them that this home loan account is connected to Morgage loan account on same property. They enquired with their higher authority and confirmed me that this loan can be closed by rule and original documents can be returned back to you after closing loan. They said to me that morgage loan has nothing to do with basic home loan account closure.

    On their(SBI Chinchwad home loans dept) instructions I transferred 3,83729 Rs and closed home loan and got NOC for the same loan. They also guided me to Shankarsheth Road Pune branch to collect original documents. I followed their instructions and collected my original documents on 2nd May 2014– very same day of closure.

    4 days before after I informed RACPC Wakdewadi Branch, I realized that SBI Chinchwad branch has closed my Basic Home loan account by unlawful manner. Branch manager also agreed that closing home loan account is not allowed as per bank policy. He agreed that it is human error and can not be reversed. He also requested me to return original documents.

    Because of SBI Chinchwad branch mistake now I am not eligible to apply for new loan as extension of morgage and on top of this I am forced to close my morgage loan account as well by SBI and RBI rule.
    I requested them to correct mistake by branch and reverse my closed home loan account and return my paid ammount—Rs. 3,83,729
    I also told them that—-I am not in a position to close morgage loan account. I will continue paying installments as I have paid this till date. Also notified them–I am ready to return original documents to bank in a hassle free way.

    I have verbally assured them that I will not remorgage my property in unlawful way.

    They are not ready to co operate and just repeatedly telling me to submit original documents.

    Please advise me about my further stand about matter.

    Dr. Pradeep Khedkar
    9372403668/9326942061

    Kindly advise me about

    1. Credexpert says:

      Dear Pradeep,

      Do you have any written communication from the bank where they have mentioned that the closure of your home loan account will not affect your mortgage loan account?

      If yes, then you can present the same to the bank and ask them not to close your mortgage loan account. And still if the bank officials do not agree for the same you can raise the issue with the Banking Ombudsman.

      The link for lodging online complaint with Banking Ombudsman is https://secweb.rbi.org.in/BO/precompltindex.htm

      You can apply for Banking Ombudsman only if:
      • The bank has rejected your written complaint or
      • You have not received any reply within a period of one month after the bank has received the application or
      • You are not satisfied by the reply given by the bank.

      Also with regards to submitting your property papers, since this is a Loan against property your property papers need to be mortgaged with the bank.

      Regards,
      Credexpert
      http://www.credexpert.in

    2. I am not very much aware on what can be done in this matter, but I can connect to a SBI agent whom I know, he might be able to guy you ! , let me know if I should !

  103. magesh says:

    hi manish,
    i am a partner of a firm called siva blue metals, tuticorin (tamil nadu). i have unused company cc a/c in icici bank for more than 2 yrs. actually i forgot about the account. my company do have some term loan taken from icici bank but doesnt have anything to do with this cc a/c. since they gave term loan for machineries they requested us to open a bank a/c. actually the problem is i manitained a balance 0f rs 10000/- in the a/c for all these days. now in april’ 14 they have debited the amount saying some charge for non transaction and send us a statement today. they never informed us about the charge before doing so and i wanted to know is there any provision for them to do so. if not what step should i take legally. i wanted to take them to court is that possible.

    1. There is no provision on your end. Its all there in company rules and no bank tells you each and every small detail like this . I am not sure if you can do anything here . .

    2. Credexpert says:

      Dear Magesh,

      Firstly, go through the form signed by you while opening the account. The charges for dormant accounts should be mentioned in there.

      Also, the bank would not inform consumers when such charges are deducted, as they have already been informed and accepted by you. We do not think much can be done in this case.

      Regards,
      Credexpert
      http://www.credexpert.in

      1. magesh says:

        thank you for ur reply guys

  104. Manish Hansaliya says:

    SBI BANK (A/C no – 12345678910123) CHEQUE AMOUNT Rs.10000/- DEPOSITED IN TO IDBI BANK (A/C no – 9876543210123).
    WHEN IDBI SCROLL/SCAN MY CHEQUE Rs.10000/- DEDUCTED FROM MY SBI BALANCE.
    BUT THIS DEDUCTED AMOUNT NOT CREDITED IN TO IDBI BANK AND IDBI GIVE ME A MEMO WHICH FORWARDED BY SBI INSUFFICIENT BALANCE.
    SO IDBI SAYS THIS AMOUNT WE RETURN TO SBI WITH PAY ORDER NUMBER 412 AGAINST SBI CCPC AHMADABAD BRANCH.
    TILL DATE NOT CREDITED MY DEDUCTED AMOUNT Rs.10000/- ANY OF ACCOUNT SBI OR IDBI BANK.
    AND BOTH OF BANK ARE SAYS WE ARE NOT RESPONSIBLE FOR MY DEDUCTED AMOUNT.
    i give written complaint to SBI on date – 05/03/2013
    and i give written complaint to IDBI on date 12/03/2013.
    There was balance of Rs.15,716/- in my SBI account, I issued a Cheque of
    Rs.10,000/- from this account also deduct Rs.10000/- from SBI account.but not credited in to IDBI. And received the noticed me the memo that there is insufficient balance in your account.IDBI scroll/scan my cheque more than four time without single time inform me every reject memo IDBI deduct rejection charge on me as a penalty of Rs. 240/-.

    after send mail to – cgmcsd@rbi.org.inr
    So yesterday received call from SBI please give the number of your IDBI bank
    but IDBI any of person are not ready to talk with SBI.
    and lastly IDBI says we are deposited your amount Rs.10000/- in to your IDBI account with in two days of working.

    MY QUESTION IS IN THIS ABOVE MATTER.
    CAN I ASK FOR COMPENSATION CHARGE FROM IDBI BANK?
    what kind of action taken on IDBI Bank.

    Regards,
    Manish Patel
    Rajkot

    1. Yes, if it has impacted you very severely , then you can demand a compensation, file a complaint with banking ombudsman

  105. lagerahonatubhai says:

    Anti-corruption movement
    LOK ANDOLAN GUJARAT (SURAT)
    C/o-prathna sangh, bhadra ashram, athwalines, b/h. govt. qtrs.
    Near Surat district court. Surat.
    Coordinators, Narendra patel (lagerahonatubhai)
    M-07802050596, email- lokandolansurat@gmail.com ,lagerahonatubhai@gmail.com

    Legal notice-urgent-important-Show cause notice-reply within two days to avoid legal prosecutions

    18/4/2014

    To
    All concern directors, management, authorized signatories, partners/beneficiaries/group of companies’ associated directors/executives/staff/concern, franchisees/agents/distributors etc… all person directly or indirectly of following company/website domain/portal/email id/ bank accounts/associate firms by any means of any agreement/appointment/contracts etc.

    1. Vintech Shoppe Pvt. Ltd. 3rd Floor, Alay Complex, Above IDBI Bank, Parvat Patia, Surat. 0261 – 264 76 76,+91 997 893 3860, cmd@hrpbusiness.com ,customercare@hrpbusiness.com,
    CIN- U52390GJ2010PTC060062, Registration Date- 30/03/2010, Registration No. 060062, Mr. Jignesh Panseriya, Vintech Shoppe Private Limited currently have 2 Active Directors / Partners: Jignesh bhai Panseriya, Ghanshyam bhai Virjibhai Panseriya,
    more than 1,50,000 distributors, more than 15 depots, includes TEAM persons-HITESHBHAI DAVRA,MANSUKHBHAI KHASIYA,RAKESHBHAI S PATEL, KANTIBHAI BAJARIYA,YOGESH PANSERIYA ,PANKAJBHAI GADHIYA, BHAVESHBHAI CHAUHAN,RAKESHBHAI G. PATEL,BHARATBHAI LATHIYA ,RAMLAKHAN VERMA ,JIGNESH PANSURIYA,SANGITABEN KISHORBHAI VITTHANI,KANTIBHAI KHODABHAI BAJARIYA,REKHABEN ARVINDBHAI DHANANI,JIGNESH PANSURIYA,RAMLAKHAN VERMA ,BHARATBHAI LATHIYA ,RAKESHBHAI G. PATEL,BHAVESHBHAI CHAUHAN,PANKAJBHAI GADHIYA,YOGESH PANSERIYA,KANTIBHAI BAJARIYA,RAKESHBHAI S PATEL,MANSUKHBHAI KHASIYA,HITESHBHAI DAVRA,and Narendra Raval, (09173767140). With Group of companies-
    (1) Real Estate and Land Development (Vintech Infrastructure)
    (2) Health Care (Nutema Lifecare Pvt Ltd)
    (3) The HRP Co-operative Credit and consumer Soc. Ltd.
    (4) Hyper Mart Malls (Vintech Retails Pvt. Ltd.)
    (5) HRP Franchise Concept (Network Marketing).
    (6) Vintech Tours and Travels,
    (7)Vintech Shoppe Pvt. Ltd. (HRP multilevel Marketing Business)
    (8) Vintech Fashion
    (9)Vintech times.
    2. Bankers- IDBI BANK,
    3. franchisee
    1. Bhavesh Nandwana,Dharti general Hospital , Nr Jaher Baug ,Anand Bazar Road , una,Mobile : 9624040302
    2. Bhavesh Nandvana,Dr.Varusaheb Hospital Near TrikonBaug, Una,
    Mobile : 9624040302,
    3. Mukesh Kukadiya,Gopnath Road, Behind Maya Petrolpump, Opp Laxmi Auto, Talaja,
    Mobile : 9998480251,
    4. Mansukh Khasiya,Shop No: 412 to 414
    4 th Floor , Swastk Plaza ,Near Tulsi Row House , Yogi Chowk
    Surat,Mobile : 9925906266,
    5. Mansukh Khasiya,Shop No: 412 to 414
    4 th Floor , Swastk Plaza ,Near Tulsi Row House , Yogi Chowk
    Surat,
    6. Mansukh Khasiya,Shop No: 412 to 414
    4 th Floor , Swastk Plaza ,Near Tulsi Row House , Yogi Chowk
    Surat,Mobile : 9925906266,
    7. Bhavesh Chauhan, 202, Kankavati Complex, Above Bank of Baroda near S.M.C Vegetable Market, Singanpore Char Rasta to Causway,
    8. Manish Loriya and Dinesh Kapuriya, Shop No 204, North Angle, 150 Foot Ring road, Near Ashta gate, Opp, Ambedkar City Busstop, Rajkot – 360004, Mobile: 9427562244
    9. Rakesh S Patel, Limbadiya chokdi,Limbadiya to Khanpur Road Panchmahal,
    Mobile : 9979464921
    10. Bhavesh Devmurari and Kishor Ramanuj, 1st Floor Mahavir complex Opp Bus Station Palitana, Mobile: 9016756033
    11. Dharmedra Bhoraniya and Dinesh Dalsaniya, shop No-103, Shivam Complex, beside sky mall, near Gandhi Garrage, Sanala road Morbi, Mobile: 9909875264,
    12. Shailesh Prajapati, G/F 49, Someshar Mall, Near Modhera Circle, Mahesana-384001, Mobile: 8758609688,
    13. Vijay Prajapati, G/F 49, Someshar Mall, Near Modhera Circle, Mahesana-384001,
    Mobile: 9904175795,
    14. Shailesh Prajapati and Vijay Prajapati, G/F 49, Someshar Mall, Near Modhera Circle, Mahesana-384001, Mobile: 9904175795,
    15. Dilip Davra, 1 st Floor Om Complex, Beside MRF Showroom, Junagadh Road, Jetpur,
    Mobile: 9274034142,
    16. Alpesh Davra and Dilip Davra, St Bus station road, kanakiya plot opp.LIC office near jyoti Studio bulding Jetpur, Mobile: 9428225495,
    17. Arvin Vataliya and Dilip Galani, 2nd Floor Goti Complex, Opp Patel Park, Ranjitsagar Road, Jamnagar, Mobile: 9537533712,
    18. Devshi Chavda, and Bhimshi Chavda, 1ST FLOOR VIJAY COMPLEX, OPP KRISHNA HOTEL AT NANDANA TAKLYANPUR DIST-DWARKA, Mobile: 9913373745,
    19. Pradip Mandani and Sanjay Kakadiya, Shop No-7, 1st Floor. I20 Complex, Valiya Road, Ankleshwar, Mobile: 972616660,
    20. Jignesh Pansuriya, 1st Floor, Avadh Arcade, Near Radhe Hotel, Station Road, Vadiya,
    Mobile: 9327130965,
    21. Ramnik Bhagat(Morbi) and Rakesh G Patel and Abhay Ramani,9, GROUND FLOOR DEVRAJ MALLIN FRONT OF HAVELI, THAKKAR NAGAR , BAPUNAGAR AHMEDABAD,Mobile : 9724154433
    22. Other team who associates to make website, marketing, office staff, office and resident owner who gave them rent and other all agent of upline who have made fraud happen by Ponzi scheme.
    23. Agents and investors, members listed below and others till date complain and chargesheet.list of 504 stated below.
    • ALPA ASHISH CHOVATIYA
    • ALPESH K DAVRA
    • ALPESH KARSHAN VIROLIYA
    • ALPESH MOHAN NANDWANA
    • AMIT C DESAI
    • AMIT NANDLAL CHUDASAMA
    • ANAND DEVAYAT SONARA
    • ANKIT RAMESH SHELADIYA
    • ANKUR RATI BHIMANI
    • ARAVIND GOVIND BHORANIYA
    • ARAVIND VALJI KYADA
    • ARUN CHOUDHARY
    • ARVIND B LIMBASIYA
    • ARVIND B MAKVANA
    • ARVIND KALU MANGAROLIYA
    • ARVIND N VATALIYA
    • ARVIND RANCHHOD BALADHA
    • ASHA BHARAT RAMANI
    • ASHISH VITTHAL MANGUKIYA
    • ASHOK BHANU GHARDESHIYA
    • ASHOK DHANJI VEKARIYA
    • ASHOK GOBAR SOHALIYA
    • ASHOK J DADHANIYA
    • ASHOK KIKA PANWALA
    • ASHOK MADHU KATHIRIYA
    • ASHOK R KIDECHA
    • ASHOK S BUTANI
    • ASHOKN HARI PATEL
    • ASHVIN BALU LAKHANI
    • ASHVIN NARAN RADADIYA
    • ASHVIN R SORTHIYA
    • ASMITA SANJAY SHAH
    • ATUL JAYANTI KATHIRIYA
    • ATUL PARSOTAM BAGSARIA
    • AVANIT BHARAT THUMMAR
    • AVNIT P BAVISHI
    • BACHU JERAM RUPAPARA
    • BADRUKHIYA PRAVIN RAGHAV
    • BHANULAL NANJI GEVARIYA
    • BHARAT B GAJERA
    • BHARAT BHIMAJI DOBARIYA
    • BHARAT DHIRAJLAL RAMOLIYA
    • BHARAT H KAKADIYA
    • BHARAT JIVRAJ MAVANI
    • BHARAT K LATHIYA
    • BHARAT KADVA SAKARIYA
    • BHARAT KANU THUMMAR
    • BHARAT MANJI MANGUKIYA
    • BHARAT SHAMBHU SAPRA
    • BHARATI MAHESH PATEL
    • BHARATI RAJESH SAVALIYA
    • BHATUR VELA MAKWANA
    • BHAVESH B DEVMURARI
    • BHAVESH B DOBARIYA
    • BHAVESH CHANDULAL RAJPOPAT
    • BHAVESH DHANJI SOJITRA
    • BHAVESH DHIRU CHAUHAN
    • BHAVESH GIRDHAR MALAVIYA
    • BHAVESH HARI SOJITRA
    • BHAVESH HIRA MARAKANA
    • BHAVESH KANJI DAVRA
    • BHAVESH OGHAD KOTADIYA
    • BHAVESH R NASIT
    • BHAVESH VALJI DESAI
    • BHIKHALAL J VORA
    • BHIMSI B CHAVDA
    • BHUPAT ALAJI CHAUHAN
    • BIPIN KANTI DESAI
    • BIPIN KARSHAN KUMBHANI
    • CHAMPA BABU RAMANI
    • CHANDU KARSHAN PATEL
    • CHATUR PARSHOTTAM KATHIRIYA
    • CHATUR R DESAI
    • CHETAN B DAFADA
    • CHETAN NIRMAL KALATHIYA
    • CHETAN RAMESH BAJARIYA
    • CHHAGAN D RATHOD
    • CHHAYA RAJESH PATEL
    • CHINTAN NATHALAL DHOLIYA
    • CHINTAN NITIN GAJJAR
    • CHIRAG JAYSUKH LAKKAD
    • DALSUKH BIJAL CHAVDA
    • DALSUKH NAGJI RAMOLIA
    • DAXA VINOD PATEL
    • DAXESH GHANSHYAM DANKHRA (HUF)
    • DAYA ASHVIN SORTHIYA
    • DAYA RAMESH VAMJA
    • DEEPAK C THUMMAR
    • DEEPAK J CHAUDHARY
    • DEEPAK M KUKADIYA
    • DEVSHI VEJANAND CHAVDA
    • DHANSHUKH MAKOD DHAMELIYA
    • DHANSUKH D KHASIYA
    • DHARMANG FASHION
    • DHARMENDRA A BHORANIYA
    • DHARMENDRA KARAMSHI VEKARIYA
    • DHARMESH ARAVIND RAMANI
    • DHARMESH DEVENDRA PATEL
    • DHARMESH DHIRU KACHHADIA
    • DHARMESH KALU DUDHAT
    • DHIRAJ PRAVINCHANDRA PATEL
    • DHIRU BALU GHOGHARI
    • DHIRU M DOBARIYA
    • DHIRU NARAN VEKARIYA
    • DHIRU P NAKRANI
    • DHIRU V PANELIYA
    • DILIP D GORFAD
    • DILIP N THUMMAR
    • DILIP ODHAVJI GALANI
    • DILIP P DAVRA
    • DINESH K DADHANIYA
    • DINESH BHOLA BABARIYA
    • DINESH J DALSANIYA
    • DINESH JAGASHI JADAV
    • DINESH JINA VATALIYA
    • DINESH LAVJI CHOTALIYA
    • DINESH M SIDAPARA
    • DINESH M VACHHANI
    • DINESH MOHAN DHANKESA
    • DINESH SHAMJI DANKHARA
    • DINESH SHIVJI PATEL
    • DIPESH R PATEL
    • DIVYESH RAMESH KATHIRIYA
    • DULA KARSHAN SAVALIYA
    • GAJERA KANTA MADHU
    • GHANSHYAM B AMBLIYA
    • GHANSHYAM B DANKHARA
    • GHANSHYAM G VADADORIYA
    • GHANSHYAM MANJI THUMMAR
    • GHANSHYAM P NARIYA
    • GHANSHYAM R DUDHAT
    • GHANSHYAM SHAMBHU SORATHIYA
    • GHANSHYAM V PANSERIYA
    • GIRDHAR L RUPAPARA
    • GITA R RANSARIA
    • GOPAL K PIPLIYA
    • GORDHAN HARI VARIYA
    • GORDHAN M SAVANI
    • GOVIND GANESH KAPADI
    • HARDIK CHADU HARIYANI
    • HARESH K DUDHAT
    • HARESH SHAMBHU BHIMANI
    • HARESH TULSI BHINGRADIYA
    • HARISH VINOD PATEL
    • HARSHA ARVIND PATEL
    • HARSHAD AMRUTLAL MUNGAL
    • HASHMUKH PRAJAPATI
    • HASMUKH BHIKHU GADHIYA
    • HASMUKH BHIMAJI RATHOD
    • HASMUKH NARAN DHAKECHA
    • HASMUKH POPAT VARSADA
    • HEMANT SHANU PATEL
    • HIGHTECH ENTERPRISE
    • HIMMAT P MAVANI
    • HIMU LALJI PARMAR
    • HIRPARA HINA BHARAT
    • HITENDRA ARJAN GORASIYA
    • HITESH DEVARAJ MANIYA
    • HITESH DEVSHI KHOKHAR
    • HITESH DUNGARSHI ITALIYA
    • HITESH J MANIYA
    • HITESH K SAVALIYA
    • HITESH KANJI DAVRA
    • HITESH MANASUKH DOBARIYA
    • ILA ARVIND BALADHA
    • JAGDISH HARJI PATEL
    • JAGDISH LASHKAR JADAV
    • JAGDISH NANJI DOBARIYA
    • JAGDISH RAGHAV SHEKHADA
    • JAGDISH T GONDLIYA
    • JAGRUTI BHAVESH MARKANA
    • JAGRUTI VIKRAM DAMANI
    • JANAK SHAMBHU VADADORIYA
    • JANTILAL VASTA SARDHARA
    • JATIN A NAGAR
    • JAYANTI POLA LUNAGARIYA
    • JAYANTI R ROKAD
    • JAYESH BABU VAGHASIYA
    • JAYESH DILU PARMAR
    • JAYESH MANU PATEL
    • JAYESH PRAVIN KUNJADIYA
    • JAYKISHAN THAKARSHI LATHIYA
    • JAYOTSANA HARESH BHINGARADIYA
    • JAYSHREE LALIT VORA
    • JAYSHUKH D KHASIYA
    • JAYSUKH JASMAT VORA
    • JAYSUKH M RAVAT
    • JEKISHAN NATHU MISTRY
    • JIGNESH BACHU RUPAPRA
    • JIGNESH H DHAMELIYA
    • JIGNESH KARAMSHI GABANI
    • JIGNESH M RAMANI
    • JIGNESH R PANSURIYA
    • JITENDRA VASHRAM PANSERIYA
    • JITESH P PATEL
    • JOSANA RAJESH MARAKANA
    • JYOTSANA N GAJERA
    • JYOTSANA VIREN PATEL
    • JYOTSNA JAGADISH HARKHANI
    • KAILASH LAXMAN KAPADIYA
    • KAILASH M KHASIYA
    • KAILASH SAVJI SORATHIA
    • KAKADIYA ASHVIN H
    • KALPESH H VAGDIYA
    • KALPESH MANI ASODARIYA
    • KAMLESH K GODHANI
    • KAMLESH PRAGJI JOGANI
    • KAMLESH RAMANLAL PATEL
    • KANTI KHODA BAJARIYA
    • KANTI V SUHAGIYA
    • KANTILAL B BHESDADIYA
    • KANU B NAGAR
    • KAPADIYA SURESH VALLABHB HAI
    • KAPIL N THUMMAR
    • KARAN ARVIND PATEL
    • KARSHAN KANA AHIR
    • KESHAV PARSOTAM MALANI
    • KETAN V CHOTALIYA
    • KHIMJI P GAJERA
    • KHODIDAS M VAGHASIYA
    • KHOKHARIYA MAYUR P
    • KIRIT DAYA PANSERIYA
    • KIRIT DHIRU DESAI
    • KIRTI VALJI RANIGA
    • KISHOR A PATEL
    • KISHOR B AMBALIYA
    • KISHOR BIJAL CHAVDA
    • KISHOR H RAMANUJ
    • KISHOR JERAM MONPARA
    • KISHOR JIVRAJ RANAPARIYA
    • KISHOR K DHAMELIYA
    • KISHOR KANTILAL GODHETRA
    • KISHOR M SHINGALA
    • KISHOR N THUMMAR
    • KISHOR P DANKHRA
    • KISHOR VITTHAL VITTHANI
    • KOMAL S BORADA
    • KRUNAL NARESH PATOLIYA
    • KUMBHANI NIKUL
    • KURJI KALYAN PARMAR
    • LABHU DHIRU GHOGHARI
    • LADU NANJI SAVANI
    • LALIT R BHALALA
    • LALJI BHOJA BODAR
    • LASHKAR P DONDA
    • LIMBA NANU MALANI
    • MADHAV KARSHAN BHAYANI
    • MADHU BHARAT MANGUKIYA
    • MADHU G DANKHARA
    • MAGAN DEVASHI VEKARIYA
    • MAHADEV G BHORANIYA
    • MAHANT SHASHIKANT
    • MAHAVIRSINH BATUKBHA VADHER
    • MAHENDR VRAJLAL BHABARIYA
    • MAHENDRA D SUDANI
    • MAHENDRA M RAMANI
    • MAHESH D CHAUHAN
    • MAHESH DHANJI VEKARIYA
    • MAHESH MAGAN PATEL
    • MAHESH P VAGHANI
    • MAHESH R PANDYA
    • MAHESH SOMA PATEL
    • MAHESH VALLABH VORA
    • MALTI PRADHYUMAN MAHETA
    • MANDANI PRADIP GOVIND
    • MANGU D PATEL
    • MANHAR A GADHAVI
    • MANISH ARJAN DHAMELIYA
    • MANISH KHIMJI GHORI
    • MANISH P KATHIRIYA
    • MANJULA MADHU PANSERIYA
    • MANJULA NATHALAL DHOLIYA
    • MANOJ BACHU MARAKANA
    • MANOJ DEVRAJ KHUNT
    • MANSUKH B MER
    • MANSUKH KANJI RABADIYA
    • MANSUKH N GAJERA
    • MANSUKH SONDA GOHIL
    • MANUPRASAD P PANCHAL
    • MAYUR DINESH PATEL
    • MEETA PARSHOTAM MANDANKA
    • MEHUL ASHOK UPADHYAY
    • MILAN RATI SAVALIYA
    • MINA A VATALIYA
    • MINA M PATEL
    • MINAL V GOHIL
    • MRUGESH VITHAL PATEL
    • MUKESH B BHALALA
    • MUKESH BHIKHU MOVALIYA
    • MUKESH G KUKADIYA
    • MUKESH R TALA
    • MUKESH RAJA SORATHIYA
    • MUKESH RAM KASOTIYA
    • MUKESH VELJI AKHAJA
    • NAITIK V CHOTALIYA
    • NAKUL K GODHETRA
    • NALIN V GAJERA
    • NARESH B BHINGRADIYA
    • NARESH K JAGANI
    • NARESH K PATEL
    • NARESH RAMJI FEFAR
    • NARMADA JETHALAL PATEL
    • NARNIA RAJESH SHIVA
    • NAROTTAM P VARIYA
    • NARSHI MOHAN DANKHRA
    • NARSINH LEBJI PATEL
    • NATHALAL VALJI DHOLIYA
    • NAVINCHANDRA BUDHIYA CHAUDARI
    • NAYANA GHANSHYAM TAVETHIA
    • NAYNA B KAKDIYA
    • NAYNA JITENDRA PANSHERIA
    • NILESH ASHOK KULKARNI
    • NILESH BALU VIRADIYA
    • NILESH H PATEL
    • NILESH KANTI PATEL
    • NILESH RAMANLAL PATEL
    • NIRU BHARAT MANIYA
    • NITIN BHARAT BHANDERI
    • NITIN D NAKRANI
    • NITIN GHUSA BHUVA
    • NITIN GOVIND MANDANI
    • OGHAD GHUSA KOTADIYA
    • OMSAI ENTERPRISE
    • PANKAJ D GADHIYA
    • PANKAJ K DANKHARA
    • PARAS RAMESH PANDHI
    • PARAVIN C BHIMANI
    • PARESH PRAVINCHANDRA MODI
    • PARESH R PATEL
    • PARESH S GONDALIYA
    • PARESH V KALSARIYA
    • PARESH V VEKARIYA
    • PARMAR MIHIR BHUPAT
    • PARUL D DANKHARA
    • PATEL BABULAL LAKHAMSHI
    • PATEL JAGDISH RAMANLAL
    • PATEL SAILESH B
    • PATEL SANGITA CHHAGAN
    • PIYUSH BHIKHA VORA
    • PRABHU BABU PATEL
    • PRADIP P VARIYA
    • PRAFUL D SHELADIYA
    • PRAFUL K NAKRANI
    • PRAGNESH DHIRU AKBARI
    • PRAKASH AMRUTLAL JOSHI
    • PRAKASH BHARAT LATHIYA
    • PRAKASH C AGHARA
    • PRAKASH CHHAGANLAL PORIYA
    • PRAVIN BABU PAGHDAL
    • PRAVIN BHAGVAN SINOJIYA
    • PRAVIN BHIKHA KAPADIYA
    • PRAVIN H PANSHERIYA
    • PRAVIN J BALAR
    • PRAVIN K BHINGRADIYA
    • PRAVIN RAMJI GONDALIYA
    • PRAVIN SHBHU PETHANI
    • PRAVIN VALLABH KAKLOTAR
    • PRAVIN VASHRAM MORADIYA
    • PRIMESH VITHAL MANIYA
    • PRVIN S PATEL
    • RAGHAV LAXMAN PAGHDAL
    • RAJESH B DHAMELIYA
    • RAJESH BABU SAVALIYA
    • RAJESH BALU MEGHANI
    • RAJESH CHANDULAL RAJPOPAT
    • RAJESH H KATHIRIYA
    • RAJESH HARI SHINGALA
    • RAJESH HIRA MARAKANA
    • RAJESH M SIDPRA
    • RAJESH MULJI RAMANI
    • RAJESH POPAT HIRAPARA
    • RAJESH POPAT KATHIRIYA
    • RAJESH R HIRAPARA
    • RAJESH RAGHAV SHEKHADA
    • RAJNI AMRUTLAL PATEL
    • RAJNIKANT M PIPRAVA
    • RAJU DEVASHI KHOKHAR
    • RAJU KURJI JADWANI
    • RAJU MADHA GHORI
    • RAKESH KESHAV PRAJAPATI
    • RAKESH S PATEL
    • RAM MERAMANA BHOCHIA
    • RAMANI ABHAY NANJI
    • RAMESH BHUTA MARKANA
    • RAMESH GANESH KUKADIYA
    • RAMESH GHUSHA BHUVA
    • RAMESH KANJI THUMMAR
    • RAMESH L PANSURIYA
    • RAMESH N HIRPARA
    • RAMESH NARASI VATALIYA
    • RAMESH VALLABH BHIKADIYA
    • RAMESH VIRJI NAKUM
    • RAMLAKHAN K VERMA
    • RAMNIK M PATEL
    • RASHILA A SANGHANI
    • RASHILA GOVIND VATALIYA
    • RASIK DHIRU NAKARANI
    • RASIK V SURANI
    • RASILA RAMESH PATOLIYA
    • RATILAL B BHADAJA
    • RATILAL RAMJI RATHOD
    • RAVI PRAHLAD PRAJAPATI
    • RAVINDRA MANSUKH VAGHASIYA
    • RAVJI MOTI PATEL
    • REENA G VERMA
    • RUPESH RAVJI PATEL
    • RUSHITA HIRA VAGHASIYA
    • SAGAR GHANSHYAM TAVETHIA
    • SAIYAD MAHAMANDASAKIB MUSTUFHUSEN
    • SALIM SADRUDDIN MERCHANT
    • SAMIR DINESH PATEL
    • SANDIP RAMESH THUMMAR
    • SANGITA D BHUVA
    • SANGITA KISHOR VITTHANI
    • SANGITA N BHINGRADIYA
    • SANGITA R PATEL
    • SANJAY ARAJAN RAKHOLIYA
    • SANJAY ARVIND SHAH
    • SANJAY CHANDU VAGHASIYA
    • SANJAY DHANJI SONDAGAR
    • SANJAY HASMUKHLAL MODI
    • SANJAY J KAKADIYA
    • SANJAY JEKISHAN PATEL
    • SANJAY JETHA SANGHANI
    • SANJAY K JAGANI
    • SANJAY K SAVALIYA
    • SANJAY K THUMAR
    • SANJAY NAGJI KHUNT
    • SANJAY POPAT KATHIRIYA
    • SANJAY SHANTI TANK
    • SANJAY THAKOR TAILOR
    • SANJAY TRIKAM BORDA
    • SANJAY VITTHAL MALVIYA
    • SAROJ DINESH SIDAPARA
    • SAVJI B DOBARIYA
    • SHAILESH B GAJERA
    • SHAILESH BALU VIRADIYA
    • SHAILESH C PANARA
    • SHAILESH D GADHIYA
    • SHAILESH H PATEL
    • SHAILESH JINA NASIT
    • SHAILESH KANJI PATEL
    • SHAILESH NAGJI THUMMR
    • SHAILESH PRAJAPATI
    • SHAMJI JINA BARAIYA
    • SHANKAR L PATEL
    • SHANTI KURJI PARMAR
    • SHANTI LAKHA VALA
    • SHILPA DILIP SORATHIYA
    • SHILPA J DHAMELIYA
    • SHILPA PRAKASH KAKANI
    • SHREERAJ FASHION
    • SONAL AMIT SHELIYA
    • SUBHAS JIVA NANDWANA
    • SUDHIR BACHU TALA
    • SUNIL HANSRAJ PATEL
    • SUNIL KARSHAN SAKADASARIYA
    • SUNIL PRASAD A KUSHWAHA
    • SURESH BALU FINDOLIYA
    • SURESH DHIRU JAVIYA
    • SURESH JINA PADSHALA
    • SURESH VIRA RADHOD
    • TEJAS KISHOR JARIWALA
    • THAKARSHI JERAM RUPAPRA
    • TULSIDAS H PATEL
    • TUSHAR RAMESH KHANESA
    • UMESH BABU KHACHARIYA
    • URMILA M NAROLA
    • VAGHASIYA RAJESH GORDHAN
    • VAJU MOHAN PAMBHAR
    • VAJU VIRAJI CHOTALIYA
    • VALLABH K KUKADIYA
    • VALLABH KACHARA VAGHASIYA
    • VALLABH M BHADIYADRA
    • VALLABH VASHRAM PANSHERIA
    • VALLABHA J PATOLIYA
    • VANDANA SANJAY SHELADIYA
    • VANMALI JIVAN KAKLOTAR
    • VASANT LAKHA BAMBHANIYA
    • VASANTRAY B GONDALIA
    • VIJAY BHIKHA PRAJAPATI
    • VIJAY GANDA PRAJAPATI
    • VIJAY K SONDAGAR
    • VIJAY KALU SAVALIYA
    • VIJAY M MANDAVIA
    • VIJAY VITHTHAL SANGANI
    • VIJYA VASANT BAMBHANIYA
    • VILAS RAJESH RAMANI
    • VINA D PATEL
    • VINU N SAVALIYA
    • VIPUL BABULAL PATEL
    • VIPUL H VAGDIYA
    • VIPUL K KHASIYA
    • VIPUL RANCHHOD VATALIYA
    • VIPUL TULSHI BELADIYA
    • VIRA KODAR PATEL
    • VIRAL BIJAL CHAVDA
    • VISHAL NAVINCHNDRA MITHAIWALA
    • VRAJLAL RANCHHOD DHOLARIYA
    • YOGESH BHASKAR DHAMELIYA
    • YOGESH DIPAK LADVA
    • YOGESH G PANSERIYA
    • YOGESH LALSANKAR PANDIT
    • YOGESH R PAGHDAL

    Subject-show cause notice- why not legal prosecution and other complains to higher authorities made against you all above stated and all concern persons/business entities ,for different allegations made by citizens/members?. Reply and present your part (with necessary proofs/documents/records) by meeting with us within two day to avoid further legal actions.

    Gentlemen,
    We are non-government, nonpolitical organization of Gujarat, who are fighting for different issues like human right violations, corruption, public fund misuse, power abuse, exploitations etc.
    We have received complain from Different witnesses and innocent citizens with appropriate proofs who were been cheated by Ponzi scheme run jointly by above listed person and on said proofs, we hereby notify you for allegations under frame to charge against your all concern above stated persons/business entities.
    we had no other way left to make issue show cause notice subject to matter which is highly effective to Indian business system and morals, ideals and established principles.so please clear at this stage and don’t take said show cause notice otherwise way and cooperate to disclose maximum details you can to satisfy us to avoid any legal further action or disclosure of said notice and follow-ups.
    As a part of Natural justice principle we must heard your part and check your documents before allegation legally, so hereby you are informed, noticed and issued show cause notice to be replied within a two days written as well as personally to check your presentations by calling on m-07802050596 or by email- lagerahonatubhai@gmail.com , lokandolansurat@gmail.com , at Prathna sangh, athwa lines, surat hall.
    You are running your Ponzi scheme under following and other business plan like as under- (as stated on website and literature)
    Business Plans
    You can develop your business just in 425 Rs.
    If you make 15 PV left: 15 PV right in 45 days, you will be owner of 1 loyalty unit.
    Then you will be liable to get income as per loyalty unit which depends on company’s monthly turnover.
    If you are not interested to make 15 PV left : 15 PV right , you can enter in our business by investing with any one of our franchisee package which are mentioned below:

    Franchisee Package Product Value Loyalty Unit Package P.V.
    425 Life Time 25 % Discount 0 1
    11215 13800 1 31
    21615 25875 3 63
    41135 52200 7 127
    78695 102600 15 255
    153815 213750 31 511
    304055 431250 63 1023
    604535 862500 127 2047

    The regular interaction and association with leader will lead willingness to customer to join the business for benefits.
    You can buy any of the package mentioned above and become franchisee of HRP.
    Along with the product package you will be given a SMART CARD issued by Company.
    The value of the product will be forwarded to the smart card given to you.You can use this balance amount to buy any product of Nutema Life Care Pvt. Ltd. throughout your life, from any of our franchisee outlet or online .
    Balance of the product value will be used only to purchase product, it will not be transferred to cash.
    While purchasing product through smart card if there is no sufficient balance then you have to pay through cash. 25% discount will be given on cash purchase for lifetime…

    SALES COMMISSION
    Sales commission is released weekly and its account is cleared on weekly basis.
    Sales commission is calculated on weekly product sale ,1 PV left : 1 PV right = Rs. 50
    Sales commission will be given only once on every sale of product.
    Counting of sales commission will be done from Thursday to Wednesday and cheque will be released every Saturday.
    Maximum ceiling of weekly commission is Rs. 5000. If the sale commission is less than Rs. 1000 then cheque will not be issued and balance will be directly transferred to the smart card.
    Commission amount can be withdrawn from any of our branch as Franchisee using your smart card.
    TDS as per Government rule and 10 % admin charge will be deducted from your sales commission.

    LOYALTY UNIT INCOME

    Loyalty unit income is based on follows:
    (Company’s Monthly Turnover *5%) / Loyalty Unit Achievers.

    Commission based on loyalty unit will be released on every fourth Wednesday of the month and its cheque will be issued on following Monday.
    Our every franchisee gets this Loyalty income which is also known as Honesty income or Ajivan Income.
    As this income depends on company’s monthly turnover hence it will not be a fixed or guaranteed income and also not possible to say the exact commission amount of Loyalty unit. It will be provided to the Franchisee throughout the life time, in absence of Franchisee, income will be continued to register Nominee till the total reimbursement of per ID reaches Rs. 72000 from starting.
    TDS as per Government rule and 10 % admin charge will be deducted from your Loyalty unit commission.

    Main allegations are stated in brief as follows.
    1. Your business modes operand was similar to PONZI schem, MLM, money circulation etc companies which are under legal prosecution.
    2. You have motivated black money to generate by without pancard membership to maximum members/distributors/agents etc.
    3. You have to deduct 20% TDS deposited in government nor advance payment made. As per written promises you have not distributed return to member registered in your company click4future company. Your payments are irregular, and your website is fake registered and collected in said bank .now a days your website has blocked some member and not replying them and not given their money back with return.
    4. You have made constant policy, rules, and scheme change
    GROUP has committed all types of violations –
    1. Banking regulations
    2. Multi-level marketing (MLM) scheme, money circulation act, under Section 2(c), 3 of the Prize Chits and Money Circulation Schemes Banning Act 1978
    3. Foreign Exchange rules violation under FERA (to be checked)
    4. Viollations of provisions of Companies Act
    5. Cheating & fraud under IPC Sections 34, 120(b), 406 and 420, Section 511 of IPC
    6. Bypassing of regulatory system, KYC norms, co-operative societies act, SEBI, RBI, Company law boards and statutory controls under investor protection act etc
    7. Other violations like Anti- Money Laundering (AML) / Combating of Financing of Terrorism (CFT) Standards (to be checked)
    8.other violations of consumer protection rights, income tax, labor act,PF act, ESI act, Insurance act and other international laws, financial controls and directions laid by international justice court, cyber laws, privacy laws, human right violations, reserve fund norms of co-operative acts etc.
    8. Committed income opportunity fraud which also violates consumer protection provisions. income opportunity’ racketeers has hide their intentions psychologically, and financially, abusive criminal objectives behind legally-registered, privately-owned, limited-liability, commercial-companies The racketeers behind these counterfeit corporate structures have obviously got their agents to make false declarations to the citizens and legal statutory bodies.as to their actual purpose. ‘Income opportunity fraud is personal violation. Although there is no outward physical injury, certain victims have described the betrayal they felt, as the psychological equivalent of rape. Whilst a few victims have sought the help of mental health professionals or advocacy groups, most have suffered alone. Psychological effects of income opportunity fraud are like, Income opportunity fraud victims’ trust in their own judgment, and their trust in others, has often been destroyed. They generally cannot seek the support of family members or friends, because family members and friends often have been exploited at the victims’ instigation, producing increased feelings of guilt and self-blame.
    Income opportunity fraud often leads to the different feelings or emotional reactions amongst its victims are shame, embarrassment and guilt the sense that the victim contributed to his/her own, or to others’, victimization
    self-doubt, shock, disbelief ,societal condemnation and indifference (produced by the attitude that victims merit what they got as a result of their own greed and stupidity), isolation (victims suffer in silence rather than risking alienation and blame from family members and friends),anger, resentment and a sense of betrayal toward the recruiter for taking advantage of the recruit, frustration with criminal justice system, fear for the victims’ financial security, increased concern about victims’ personal safety and well-being, or that of victims’ families. The financial cost of income opportunity fraud can be evaluated. However, less easily measured, and perhaps the most devastating cost of all, has been the emotional impact of this crime on many of its victims. Such harm is often the result of the victims’ loss of the financial security, family home, previous social contacts including marriage partners and relatives, business/ employment/ career, Inheritance, retirement or other savings, professional or personal credibility, mental health professionals cannot analyses emotional harm caused by violent crime. And results in fear/terror: powerlessness, tress, increased blood pressure and heart rate, hyperventilation, panic, inability to eat or sleep, loss of enjoyment of daily activities,Depression,Short-term effects on income opportunity fraud victims have included preoccupation with the crime (thinking and talking about it constantly, replaying the crime, wondering what could have been done differently, etc.) inability to concentrate or perform simple mental tasks, concern that other people will blame victims for what has happened, increased strain on personal relationships (divorce or withdrawal of support),In extreme cases, income opportunity fraud has led some victims to attempt, or to commit, suicide.NGOs and government agencies that help crime victims have not reported significant levels of income opportunity fraud victims, in part because the victims themselves are often too embarrassed to come forward. Many feel they have only themselves to blame when, in reality, it has been gangs of calculating and skilled confidence tricksters who have been to blame for these widespread criminal acts. Although income opportunity fraud victims are not alone, they often suffer their losses alone and in silence. Shame, guilt, embarrassment, and disbelief are among the reasons explaining why only a low percentage of fraud victims overall make any form of complaint to law enforcement. However, the percentage of income opportunity fraud victims who have complained, is far lower. Some income opportunity fraud victims experience such high level of shame or fear about the loss of personal and professional respect and credibility that they choose not to disclose their victimization to anyone, including family members, friends and professional colleagues. Many consider their losses are not large enough to report. They chose not to get involved, believing that law enforcement agencies will not take the crime seriously, or believing that nothing will result from reporting the crime. Sadly, this is often the case. Income opportunity fraud victims can fear confronting the person(s) who defrauded them. They also can fear other peoples’ judgmental attitudes towards a public disclosure, particularly when they have not even told anyone close to them that they were the victim of a crime.
    9. Knowingly disclosed information and manipulated right information to cheat mass of people by organized group. No tangible assets of the Company could be seen, Balance sheet, profit & loss account – nothing is available, the so-called business, on-line business is nothing but dubious one. In such a short period, Company says it has created lakhs of
    members and get crores of rupees investment/turnover. Opening accounts of the multi-level marketing distributors/
    agents/franchisee etc and trading agencies dealing with MLM etc.
    Especially, strict compliance with KYC and AML guidelines contained in
    circulars issued by RBI not implemented.
    • Representatives of the above firms had opened accounts at various
    bank branches at different locations in the country and numerous small
    cash deposits were being made in those accounts. The firms and their
    agents had reportedly promised very high returns on deposits and lured
    common people to part with funds in the name of certain investment/
    deposit schemes. These funds, running into crores of rupees, were
    being pooled at the Principal Accounts of the MLM firms and the funds
    were eventually flowing out of those Principal Accounts for purposes
    apparently illegal or highly risky. These firms had managed to get
    very large number of cheque books issued from the banks .The small
    depositors were depositing the money in the accounts of MLMs at places
    far away from the places where the accounts were actually opened which
    was facilitated by Core Banking Solution (CBS) offered by the banks.
    Since the operations of the firms are essentially deposit taking
    activities involving unusually high returns, the ongoing repayments of
    interest and deposit amounts in respect of existing deposits would
    depend on continuous and uninterrupted flow of fresh deposits with
    increasing volumes.
    • As per written promises you have not distributed 30% of company
    turnover amount as reward and not paid, irregular, offline and without
    and tax deduction or tax paid product/payment given.You have made
    constant policy, rules, and scheme change and like minimum of 10% of
    payout would need to be redeemed under Re-purchase and subject to a
    maximum points in a calendar month. Added and which effected
    original scheme on which you have promised income to your distributors
    and Distribution ship is valid for one year (from date of activation).
    The renewal of the distribution ship would be done as per company
    policy said norms were not considered in first membership terms. The
    company reserves the right to alter/change the business plan, rates,
    prices and charges or terms and conditions. Notice of such change
    shall be deemed to have been given and received by independent
    Distributor with the same being mentioned in the Website. Independent
    Distributor agrees to it and would abide by such changes and
    undertakes complete responsibility to stay abreast of such
    developments communicated in such fashion. But in said case said above
    stated group has violated it by without consent and without informing
    before a month time nor get distributors taken in confidence for
    acceptance. Total remake is not allowed. Minor changes can be considered
    in this norm. Frequency of product promotion and the reward points
    associated to each promotion would be decided by your companies and societies mentioned but no clear strategy announced on which base it is
    implemented. said opponent were running scheme, and members were registered and scheme is for the making of quick or easy money on any event or contingency relative or applicable to the enrolment of members into the scheme or a scheme for the receipt of any money or valuable thing as the consideration for a promise to pay money on any event or
    contingency relative or applicable to the enrolment of members into
    the scheme. One must get enrolled into the scheme
    to join others into the scheme for commissions. Huge income is
    promised by the company within a short span of time. The scheme of the company is Binary scheme. Binary scheme means one person has to enroll two persons and again these two persons have to enroll two persons each and again these four persons have to enroll two persons each and this chain continues endlessly. As the network and chain of members get extended, the upline members will get more commissions. It is promised by the company that the commission is paid not only on the personal efforts of joining members into its scheme but also on
    the efforts of joining new members into the scheme.
    It is promised by the company that the commission is paid not only
    on the personal efforts of joining members into its scheme but also on
    the efforts of joining new members into the scheme.
    The promoters of the scheme very well knew that it is certain that
    the scheme was impracticable and unworkable making tall promises and
    for the benefit of very few who have joined the scheme at the initial
    stage. If each person keep on enrolling two persons, at the 15th or
    18th level all the Indian population and at the 24th level all the
    World population will become the members of the company and there
    would be no member left to join/enroll into the scheme of new members
    by the already existing members. This will result in heavy loss of
    money of the enrolled members. The scheme will collapse under its own
    weight. Because of misrepresentation and deceptive words, lakhs of people have joined into the scheme of the company all over India and the company got quick and easy money of crores of by cheating and looting all these lakhs of people.

    We think to file your case against different government and police but
    as a part of natural justice system we are oblige to give you an
    opportunities to present your case with supporting documents. These
    above stated points are just sake of allegation which are not proved
    and made on base of assumption and oral complains of few members who have paid money in your scheme.
    Hope to have positive reply with necessary proofs which can be
    considered for taking next step decisions.
    Witnesses and others has approached us we have list of person has been cheated by your scheme. If within 48 hours of email received we has to file criminal offense against all involved in scam by running fake website and Ponzi scheme and make complain to arrest you and all involve with all your family members till your arrestment with seizure of all your properties, bank account and passport and investment made etc.
    We hope to call me immediately after receiving this email.
    For lok andolan Gujarat

    Narendra m patel
    Coordinator, Surat m-07802050596.

    We can complain with Subject- – approximate- more than 1000 crore fraud, heavy government tax theft and cheating of Indian citizens-register first information report (FIR) against said group and associated persons for biggest financial scandal, fraud by MLM (multilevel marketing) scheme of income opportunity fraud whose modus operandi is similar to different disclosed scam. Make Arrestment of concern person with bank account /web site/email/mobiles, passport, property, computers /data/ records etc. sealing, seizure and sent for forensic laboratories for further investigation and make official announcement to all citizens of India to come forward to register witness with promises to keep them confidentially, undisclosed and record their statements under Crop 164, magisterial inquiry proceedings under sealed cover.
    We can complain to Police commissioner, Surat with Note-Copy of this complain forwarded to list attached officials directly with specific request of immediate issues necessary instruction to surat police commissioner as main center of crime is surat, so take immediate legal preliminary action of registering complain and start proceeding and requested parallel to form committee of intellectual officers from all following department to make detail inquiry jointly with videography and then request to president of India to issue necessary order to have detail probe by central beauro of investigation or local through. With request that Public interest would be adversely affected if the said group is allowed to carry on its business any further. For applicable suo-motu legal action to all concern designated agency/authorities/officers/public servants with request to ascertain the identity of the complainant/applicant/witnesses/victims etc under “Whistle-Blowers” Resolution, act, provisions, rules, acts etc. We can also complain to followings
    Central Bureau of Investigation (CBI)
    http://www.cbi.gov.in

    2. Government of India
    http://www.india.gov.in

    3. Ministry of Home Affairs
    http://www.mha.nic.in

    4. Bureau of Police Research and Development (BPR&D)
    http://www.bprd.gov.in/

    5. National Crime Records Bureau
    http://www.ncrb.nic.in

    6. Central Forensic Science Laboratory
    http://www.cbi.gov.in/cfsl/about.htm

    7. Gujarat Forensic Science University
    http://www.gfsu.edu.in

    8. INTERPOL
    http://www.interpol.int

    9. DoPT
    http://www.persmin.nic.in

    And To
    1. Central registrar multi state co-operative societies
    2. SEBI
    3. Central vigilance commissioner,
    4. Reserve bank of India
    5. Company law board
    6. Company registrar
    7. All State registrar of co-operative societies
    8. Central investigation beauro
    9. Ministry of agriculture and co-operation
    10. All state director general of police
    11. All state vigilance commission
    12. All state anti-corruption beauro
    13. All district police superintendent or police commissioner
    14. All state’s all district collector
    15. All state chief secretaries
    16. All state Lokayukt
    17. All state governor
    18. All state finance minister
    19. All state chief minister
    20. Supreme court of India
    21. All state high court registrar
    22. National human right protection commission
    23. All state human right protection commission
    24. All state district principal judge
    25. All state’s all district collector
    26. Central information commissioner
    27. All state information commissioners
    28. Chief income tax commissioners
    29. Chief provident fund commissioner
    30. Chief labor commissioners
    31. All branch managers of all involved bank where opponents accounts, or through any transaction happens
    32. National women commission
    33. All state women commission
    34. All state police complain authorities
    35. All companies and societies registrar
    36. All rti activist,NGO,investor protections,vigilance officers,
    37. All consumer protection right
    38. Broad casting beauro
    39. Registrar of publication
    40. Media
    41. All MP, All MLA of all state
    42. All redressal of public grievances authorities
    43. Nodal Public Grievance Officers

  106. nithin says:

    beware of taking Loan in ICICI bank, especially home loan, no transferency in system, ” no right nor respect for customers” beware,

    most corrupt employees even top management

    1. Can you share your experience in more detail , we have had many good experience of ICICI Bank and some bad one’s !

  107. JACKSON says:

    Hi Manish,

    First of all, thanks a lot for this informative article.
    This is very very useful information for all common people like me…

    I need your inputs and guidance on an issue which I am facing with SBI.

    I have a complaint to file with regard to Property Insurance which was deducted from my Maxgain loan account (SBI). They (SBI) deducted this amount after 6-7 months of my EMI gone; I never agreed for any such Property insurance with SBI at the time of Loan application; but now they are saying that this is being deducted as per sanction terms. But Bank never informed to me regarding this deduction when I signed a bunch of documents just before Loan sanctioning/the first release of my Loan amount.
    Due to a situation that, I had to travel abroad the next day, I signed all documents related to Home Loan without reading any clause regarding Property Insurance at that point of time. But, the officials/documentation department of SBI did not INFORM me anything in this respect that I am also signing clause related to Property Insurance along with the other Home loan documents.
    Now, even after I submitted a written letter to Branch to CANCEL this property insurance and Refund it, they are NOT doing so saying that they cannot do anything since this was there in the sanction terms.

    As per my understanding, Property insurance is NOT MANDATORY for Home loans as per RBI guidelines, and it is purely the discretion of Customer to go for it or not. Bank CANNOT force the customer to take this by including this the Loan sanction terms and without informing this to Customer.

    But SBI is not listening to any of my points. They have Mis-lead me and made me to sign some documents without disclosing the fact that I am also agreeing to pay the property Insurance.

    Is the above complaint to be raised to Banking Ombudsman (if I had signed to agree for this deduction)??
    I am still abroad, and my doubt is that: Is it possible to file this complaint Online from here? Is my physical presence required in india to further process this complaint?
    Can you also send me the link where I can do this Online complaint.

    Thank you very much.

    Jackson

    1. Actually you are correct here to say that its not mandatory and you should not be paying, but from legal point of view, the fact that you have signed the papers means that you read it . PERIOD !

      So I am not sure on what grounds, some judge will decide if you are correct or wrong .. But you should anyways put a case with Ombudsman and see what happens !

  108. Kartikaye Mathur says:

    I have received a notice from the bank stating about some dues which need to be paid for settlement.
    When I enquired in the branch, I was told that my account was debited by 1000 INR when there was no balance (i.e. zero balance) in my account through an ATM withdrawal transaction. For the same I received a notice for settlement.

    – I requested for a statement of the above said transaction, following which I harassed by the branch manager saying that they will not provide any statements and if I do not pay the amount, It will be raised under my CIBIL history.
    This transaction happened to to an error in Bank’s software, which was admitted by the branch manager.
    I would like to express that I have made no such transaction and if its Bank’s mistake then why after 3 years I am being told about this incident and on top of this being harassed and asked to Pay penalty.

    – Secondly to my knowledge, we cannot use an ATM of savings account when there is no balance left in the account.

    Being a responsible customer and with a clean history, I am ready to pay the settlement after I am provided with a
    valid proof of my transaction, which to the best of my awareness has not happened.
    Moreover the branch manager accepted that it was due to some technical glitch.

    It would be a great help if someone can guide me in this issue
    Thanks
    Kartikaye Mathur

    1. Hi Kartikaye

      I think you are right here , First thing is that no CIBIL status can be updated based on a saving bank transaction , so mostly the branch manager is lying and trying to intimidate you . Next complain to banking ombudsman right now itself on this matter and if its a PSU bank , raise a RTI for this matter and ask your questions . Name the branch manager in this RTI ..

      Manish

      1. Kartikaye Mathut says:

        Thanks a lot Manish for your guidance.
        I tried to file a complaint on RBI website and uploaded my issue. How to make sure that my complaint is recieved or raised as there is no intimation on the same.

        Will really appriciate if you have some information on this.

        1. There is no fast way to do this, wait for few weeks and see if you get a reply, also try to do the same OFFLINE as well !

    2. Credexpert says:

      Dear Kartikaye,

      CIBIL is a credit bureau which acts as a central repository and collects, maintains, updates credit information related to all borrowers. All lending institution report this information to the bureau on a periodical basis.

      The bureaus stores data related only to “credit” i.e. loans, credit cards, overdrafts etc. Savings, investments, Income tax are not credit transactions and hence are not stored by CIBIL.

      Your ATM withdrawal incident would not be reported to CIBIL and hence be assured that your credit history would not be affected.

      As rightly suggested by Manish, you should go ahead and file a complaint under the Banking Ombudsman Scheme 2006. Before you take this step, ensure that a complaint is first raised with the bank and only in case of unsatisfactory/no response, go ahead with Banking Ombudsman.

      Regards,
      Credexpert
      http://www.credexpert.in

  109. kakoli says:

    I have a fixed deposit with KOTAK MAHINDRA BANK LTD MY S.B A/C No- 05560120011601 and vide F.D.NO. 9611213090, Rs.7,00,000/Maturity amount 7,73,007..MY FD Amount susequently deposited to the nominee Account.

  110. nisha says:

    hi,
    As said earlier, I had raised a complaint with the banking ombudsman. Acting to it, the standard charted bank has made my outstanding balance (undue since 2005) zero. (It is not a settlement, the bank decided to cancel all dues realizing the mistake when ombudsman interfered)
    I am planning to figure out whether this has been reflected in the credit reports as well. When last checked, the status against the said account was shown as “written off”. The bank had zeroised it now and has agreed to correct it in CIBIL too. So if the bank has corrected its mistake, what should be the status?
    regards,
    Nisha

    1. Credexpert says:

      Dear Nisha,

      Could you provide further insights on what the mistake was basis which the due was brought down to “0”?

      As per the information mentioned by you, the “written off” remark should be ideally removed from your credit report and a date closed should reflect against this account.

      Regards,
      Credexpert
      http://www.credexpert.in

      1. nisha says:

        Basically, the issue was – I had 2 credit cards, the bank took an amount of Rs 900 from one towards the annual fee of the other without notifying me. The amount was taken from a correctly paid bill (bill was paid for the exact amount vide a cheque) and I wasn’t informed about the annual fee on the other. On going after them, they put it back, but it took them 6 months. During this period the deficit created in the paid bill had accumulated late charges amounting to Rs. 700 in 2005. Follow ups weren’t properly resolved and it was really hard making calls every day to the customer care, each call taking about 30-40 minutes to explain.
        They didn’t inform me anything about the so called outstanding amount, not even on an annual basis till 2009. In 2009, they made a threatening call saying I must pay Rs. 26000 or they will take action. I too decided I am going to the ombudsman as I had the check number using which I had paid their last bill to the exact amount. The rest wasn’t my fault, it was theirs. Why should I pay for it??
        They didn’t call me after that, and my CIBIL statement showed ‘written off’ which I mistook for its dictionary meaning – i.e. now the bank has given up and will not be asking me for money. My stance was that I wasn’t going after any one just for the sake of some cruel satisfaction. So I too dropped it there. But now, after another 5 years, they are back, asking for 95000, withholding my land papers even after I paid my mortgage loan off, and tarnishing my financial image by tht entry in CIBIL.
        Since, I had taken this to the ombudsman and now the bank has made the outstanding to zero. The CIBIL clearance is yet to happen though. That is why I wanted to know wht result i should be looking forward to. Thanks for your reply, and mayI ask you, will my credit score go back to 750+ from the current 600 something if such change is made? Or has these years already damaged my score irreparably?
        Regards,
        Nisha

        1. Credexpert says:

          Dear Nisha,

          Yes, there would be an improvement in your credit score, however we would not be able to comment on the increase since the score is calculated based on various other factors.

          Also, along with the removal of the “written off” remark and the outstanding balance changing to “0”, ensure that the late payments reported under the DPD (Days past due) section is removed.

          If the late payments are not removed, then the possibilities of your future loan applications being rejected would still remain.

          Regards,
          Credexpert
          http://www.credexpert.in

    2. Wait for 40-50 days .. then check your CIBIL report once again and then check .. You status must be clear then

  111. BALAJI.K.S says:

    I have holder of BANK OF INDIA Swasthya BIma Policy Health insurance plan from bank of india. i completed 4 sucessfull years. But this year(2014) i have to pay my premium on 13.01.2014. i deposited money on 10.01.2014 for medical claim. but bank has not debited the money and policy got cancelled . unfortunately my son met with an accident and spent Rs.50000/- to treatment. bank’s are telling that i have not informed the bank while depositing.
    please any one guide me what i have to do in this situation. can i file case against bank in ombudsman

    1. Where did you deposit the money for mediclaim ? If you just deposited in your account, then its not like paying premium. You have to transfer it to the medical insurance . How have you been paying for all these years ?

  112. Pankaj says:

    Sir,
    I have issued a cheque of Rs.24630/- to party but the same was passed by my bank by Rs. 54630/- please advice.

    1. This is purely a bank mistake , assuming you did all the right things inside the cheque . What does your bank say ?

      1. Pankaj says:

        Yes, all things are correct in cheque as it was a system printed. My banker says that it is fault of the bank & branch where it was presented by party and we can do nothing. However I write a letter to my bank but no response from my bank even after 15 days.

  113. Shanku Dutta says:

    Sir,
    I am Sri. Shanku Dutta , I was apply a RTI application to The Principal Public Information officer, Legal Department, United Bank of India,Kolkata-01, dated on 18.11.2013 along with application fee of Rs.10/- by Indian Postal Order SL/No- 16F 556997. In favor of The Principal Public Information officer for my account information relating to payment of Reinvestment certificate A/C no – 1960/15/97 and Reinvestment certificate A/C no-961/15/97.maintained at Siliguri Branch UBI Bank under the RTI Act.2005. After few days I received a letter Ref. H.O./LD/RIA/398/13 /2013 dated on 27 November 2013 and advise me to correspondence directly with the Regional Public Information officer. ,Siliguri North Bengal Region, I was sent letter for corresponding directly with The Regional Public Information officer. North Bengal Region. but no any reply from their region yetnow.
    therefoe what shall we do now? please send us some advice.

    regards
    shanku Dutta

    1. It has been a lot of time, now file another RTI stating the old one !

  114. chinnarao palla says:

    sir,
    I deposit 10000 rupees in A/C NO 20047684500 ,A/C holder name is HARICHARAN DEY,and he was getting a massege of amount credited on the same date of 31 aug 2013,but the amount was not credited till now,the amount diposited in SBI, main branch,srikakulam,branch code-0919,please help me because M/S DEY wants the same amount from me.
    thank you sir

    1. This issue can be solved only by SBI , no one else . Please contact the branch or customer care

  115. VIKAS GARG says:

    RES/ SIR/MAM,
    ICICI BANK KISHANGARH EMPLPOYEE HIS NAME IS SANGRAM SINGH IS DOING MISBEHAVIOUR WITH ME .HE IS SAYING THAT I WILL FUCK UR MOTHER AND UR SISTER ,AND SAYS WHENEVER I WANT U GET MONEY OTHERWISE U CANNOT GET MONEY FROM ANY BANK AND ANY BRANCH.AND ANYONE OF UR ACCOUNT.
    THIS CERCUMTANCE IS SEEN ALL OF THE STAFF OF ICICI BANK BUS STAND BRANCH AJMER ROAD KISHANGARH,AJMER.

    PLZZ HELP ME BOSS.
    I AM ALSO GETTING MENTALLY HARERASMENT FROM UR BANK EMPLOYEE.AND I ALSO GIVE A WRITTEN COMPLAINT TO ICICI BANK BUS STAND KISHANGARH BRANCH BUT I AM NOT HAVING ANY REPLY FROM ICICI BANK TILL DATE.

    REGARDS
    VIKAS GARG
    KISHANGARH

    1. Hi Vikas

      Take it forward to banking ombudsman and for sure this guy will be taken care of .

  116. K.V.SUKUMARAN says:

    Sir, I got a term loan under the scheme of CGTMSE for machinery 24 lacks ,CC limit .5 lacs , BANK GUARANTEE TO BHEL 6 LACS ( NON FUND BASED) all the above our contribution 25 % excluded.
    Even though we paid the CGTSME SERVICE charges 1.5 % of the loan amount every year regulatory we made the registered Mortgage the industry land favour to the bank.
    In this regard we wish to know about the scheme details .
    (01) Whether the scheme require the collateral security under the scheme ?
    (02) Whether the Bank Guarantee will comes under the scheme or not ?
    More over the all above we have send frequent reminders to the BRANCH MANAGER”S IRRITATING ACTIVITIES TO THIER REGINAL OFFICE & HEAD OFFICE,

    In this circumstancees what shall we do now? please send us a clear reply .
    Awaiting your valuable response at the earliest please.
    K.V.SUKUMARAN
    TRICHY
    tamil nadu
    mobile No

    1. I think the best thing you can do right now is file a RTI ask for these questions , so that things are legal and on the paper !

  117. nisha says:

    I had been checking this post and it is really something to see that a post created in 2011 attracts so many responses to this day. That shows the relevance of the post and the how people appreciate the effort you had put in. So first of all a big congrats and thanks to Manish for this page.

    I have an issue with the Standard Chartered bank which brought me here. It was in 2005 when they transferred an amount from a duly paid bill of Manhattan Credit Card to the Standard Chartered without notice. I wasn’t even informed of the same. On follow up, they agreed to pay back, and did that after 6 months. Meanwhile the late fee and charges mounted and they claim I now owe nearly a lakh to them. Due to this my name is in CIBIL list. I had been paying back a home loan from standard charted without any defaults. And my credit history with the other banks (and even with standard chartered) had been flawless. For this single mistake from their part, I am being penalized.

    I was kind of desperate and didn’t know what to do. I kept contacting the bank, but they never let me go past the call center or the recovery department. My issue had deeper roots, which they refused to look into. After gathering sufficient documents, I followed up for another 2 months and taking inspiration from your blog, i have now moved to the ombudsman. I haven’t heard from the ombudsman, but the bank called me asking for details about my complaint with the ombudsman. So I guess something is happening.

    Do you think I can get my CIBIL score corrected if ombudsman considers this case? Is there any reason for them to withhold my property documents even after paying it off to the last paise only because of this issue?
    Regards,
    Nisha

    1. Credexpert says:

      Dear Nisha,

      If the revert received from Banking Ombudsman is in your favour, then yes the bank would have to report the rectified data to the bureau. Our suggestion would be that you obtain your CIBIL credit report after the matter is resolved to check the updation of your data.

      Also, if you have repaid your home loan completely then the bank cannot hold back your property papers. In short, your credit card dispute is not related to your home loan although availed from the same bank.

      Regards,
      Credexpert
      http://www.credexpert.in

      1. nisha says:

        Thanks for the response and the clarification. I must thank you because this blog had been a major source of support in my approaching the ombudsman. And due to that, though the ombudsman has not intimated me of anything (not even of registering my complaint), I now see the bank taking action.
        From the side of the bank, they called, promised action and now say that the balance is ‘zeroised’. They have also informed that they are in the process of returning my home documents and clearing the CIBIL defaulter record. But already, because of this one entry, my CIBIL score had gone down to around 640.
        So I have 2 doubts now
        1) Does the ombudsman have a system of informing me about its proceedings (like about when a case is registered)? Will they call me for a hearing? Or will I only see the bank taking action?
        2) Will the correction by the bank take my CIBIL score back to 720+ (or whatever it should have been if this error was not made by the bank)? Or will I have to fight another battle to get my score into an acceptable bracket?
        Hoping to hear from you
        Regards,
        Nisha

        1. Credexpert says:

          Dear Nisha,

          Kindly refer the link http://www.rbi.org.in/commonman/English/scripts/againstbankfaqs.aspx to understand the process of Banking Ombudsman Scheme 2006.

          Based on the judgement of Banking Ombudsman, if the bank reports the rectified data to the bureau, then yes your score would improve. It would be difficult to comment on the increase in numbers since the calculation of score also depends on the payment history, outstanding balances, credit utlisation, number of secured and unsecured loans, enquiries etc.

          Once the bank has intimated you about the rectification of data in their records, provide for a period of 45 days before you validate the same by obtaining your credit report. This is because banks usually report data to the bureau on a periodical basis, which ideally is monthly.

          Do ensure, that the bank reports the rectified data to all the credit bureaus of which it is a member i.e. CIBIL, Equifax and/or Experian.

          Regards,
          Credexpert
          http://www.credexpert.in

          1. nisha says:

            Actually I was oblivious about the other bureaus other than CIBIL! It is unfair that we must go around checking and rechecking (each time speeding 1500 + for all of them together) to find whether they have updated or not! And all these for no fault of mine! Whereas, anytime, the banks have access to these records. So they should be informing us of the updation!
            Anyway thanks for the info!

    2. Thanks for sharing your case, anyways you have filed your complain with ombudsman, as the next step you should also reach out to consumer court so that your resolution is faster .

      In the meanwhile take more efforts to reach out to the bank and their offices to resolve this !

  118. Vikas says:

    i m totally harassed by Oriental Bank of Commerce on Pakhowal road branch, Ludhiana as they change time of lunch 1.00-2.00pm, 1.30-2.30pm & today they saying lunch is from 2.00-3.00pm even i m unable to read any instruction of timing of lunch anywhere in bank. suggest me can i make comlaint of same or not, the door is chained close not allowing anyone to enter in branch

    thnks & regard

    1. Are you saying that they do this every day for eveyrone ? Or just for you ?

      You should file RTI to their manager and ask them clearly what is the LUNCH Time and when will be they open after lunch ?

  119. MANISH says:

    Though we have made the complaint for failed ATM transaction as mentioned by you we haven’t recieved any response back from BO office our BO is Kanpur. More than period of 6 months have passed we have also send the reminder but no response has come. Pls. help me what should I do?

    1. Manish

      Did you put a offline complaint or online ? Also tell your bank that you are also complaining on consumer court on this !

  120. suriya says:

    Standard Chartered bank sent me Credict Card Enhancement Pack without prior notice, i made more than 10 complaints to their customer care but they are not responding correctly, now they are asking me to pay Rs 8000. They are keep on increasing outstanding amount to be paid each month. They are not closing my account also, i didn’t purchase anything using that card, what to do for this..?

    1. First, complain to RBI, Consumer court on this, and please surrender it back , I keep hearing about these practices from them !

      Manish

  121. Sharmistha says:

    Just wanted to update in the above mail that I paid 40000 not 4000.

    1. Credexpert says:

      Dear Sharmistha,

      If the credit card terms and conditions does not specify anything with this regards then, as a first step you would have to inform/lodge a complaint with the credit card issuer. Only in case of no response for 1 month or unsatisfactory response would you be able to file a compliant under the Banking Ombudsman Scheme 2006.

      We would suggest that you first take these initial steps as the further course of action would depend on the response of the credit crad issuer.

      Regards,
      Credexpert
      http://www.credexpert.in

  122. Sharmistha says:

    I had a balance amount of 50000 to be paid for the manhattan credit card.
    I paid 4000 within the due date & the 10000 got credited to the credit card account within the due date from different merchants as I cancelled few transactions. But the bank did not consider the amount of 10000, which got credited from the merchant’s side & charged interest. I wrote a mail to the bank. But they told that the interest cant be reversed as they don’t consider the amount credited from merchant side. But this condition is not mentioned anywhere in the credit card’s terms & conditions. Should I make a complaint to Banking Ombudsman?

    1. Yes, in that case you should complain to banking ombudsman

  123. sumedh nagrale says:

    Sir,
    Internet/online fraudulent transactions amounting to Rs. 53198 has took place by using my PNB credit card details on 17.12. 2013.

    As soon as I got first fraudulent sms for online transaction at 11.18 PM, I started calling PNB credit card customer care to block my credit card. Customer care could block my card only after some waiting and several disconnections of call. And that gave time to fraudulent transactions even after my try to prevent it.

    But given the option of “Block credit card by SMS” as directives given by RBI point A (viii) in their letter No. RBI / 2012 -13/424 DPSS (CO) PD No.1462 / 02.14.003 / 2012-13 dated February 28, 2013, this fraud could have been stopped well before . I have not even received any acknowledgement of card blocking till date.

    Mr. Praveen Bharathi , Sr. Manager, PNB credit card dispute section has informed me that there is no real time fraud monitoring system in PNB. And also doesn’t recognize the transaction pattern of the customer in real time. So that could be the reason to take place this fraud just in 13 minutes (from 11:18 pm to 11:31 pm).

    But as per RBI directive point A (v) Bank should frame rules based on the transaction pattern of the usage of cards by the customers in coordination with the authorized card payment networks for arresting fraud. This would act as a fraud prevention measure (By June 30, 2013). And also point A (x) Banks should build in a system of call referral in co-ordination with the card payment networks based on the rules framed at (v) above.

    Unfortunately PNB could not provide above real time system by the time stipulated by RBI in their directives and hence this fraud could takes place.

    Surprisingly, even after my call to Customer care and blocking of card, no concrete steps were taken to avert these transactions. No efforts were taken to stop /cancel/freeze the account of transaction. Neither they took my blocking call seriously nor did they act promptly. They simply asked me to fill the transaction dispute form so that they can take action only after my authorization. My question is calling from my registered mobile number and giving my authentication to customer care that caller is a card holder, couldn’t give them power to stop/reverse/cancel/freeze the transactions.

    It just seemed to me that my hard earned money doesn’t mean anything to them. It grows on the tree in front of my home.

    Further, after submitting TDF next morning on 18.12.2013 , bank replied the following after 6 days:
    “We would like to confirm that as you cannot recall this transaction done on your card, the card details could have been compromised. We would like to advise you that transactions on the Internet cannot be carried out without entering card number, expiry date and the three digit CVV value given on the reverse of the card plastic, besides one VBV password created by you and known only to you is also needed for making this transaction.
    Under these circumstances the Bank would not be able to raise a charge dispute for the transactions and we would request you to raise the issue with the merchant directly or if you feel some body has cheated you please lodge complaint with the police for seeking remedy and send the copy of FIR for our record.”

    The above reply is nothing but the running away from liability of ‘chargeback’ due to lack of alertness/security of PNB and Visa. I would like to mention the fact that VBV password was not shared to anyone by me.

    One of the merchant “Sujav Business Pvt. Ltd” has provided the information of person who used my card information for transaction. The name, address, mobile no., and email id used for transaction is nowhere matching with me. So it does prove that I have not done these transactions. And as Visa has mentioned in their web site that Visa has real time monitoring then how come my name,address,mob.no,email id does not match with fraud person. How come the real time monitoring of PNB and Visa could not sense the interval (1min, 2min, 3min etc), email id, mobile no and card number of these transaction. It is really hard to believe and their system of security has failed to save my money as well as mental agony and hence full liability to refund the amount lies with PNB and Visa.

    As per the “Code of commitment to customer” , ‘Point 8.14.1 General information ( f.) If you do not recognize a transaction, which appears on your card statement, we will give you more details if you ask us. In cases, where we do not accept your contention we will give you evidence that you had authorized the transaction, in question.’
    It is to inform you that I have already sent an email asking the full details of transactions, web site etc , but till date PNB has not replied.

    Such irresponsible and immature (running away) behaviour towards customer and lack of security alert system has caused such unfortunate incidence.

    I once again confirm you that transactions in questions neither made nor authorized by me. And request PNB and Visa to refund the money at the earliest.

    Kindly help me in this regard as PNB doesnt seem to refund the me.
    Your help will highly be appriciated.

    Thank you.

    Sumedh Nagrale

    1. Sumedh

      Your next step has to be to complain to banking ombudsman on this

      1. sumedh nagrale says:

        Are there any similar cases where consumer got the disputed amount back?
        Thanks!

  124. Geeta says:

    Dear Mr. Manish,

    I have gone through your article about Banking Ombudsman. I want your views about my case because I am still confused whether I should file a complaint or not?

    I was using a standard chartered credit card. The problem started from June 2012 when they charged annual fee (here I would like to inform that in first year they have also waive off the annual fee on my request), on my request they waive off the charges in the month of Dec 2012 but in between I have not paid any amount which is related to the annual fee, like annual fee, s.tax etc. From June12 to Dec 12 they charged late fee, interest, s.tax on the outstanding balance. From June 12 to Dec 12, I had made all the payments which were related to my actual transactions except annual fee & other charges related to annual fee.

    I was following this matter from bank from June 2012 to till date. I have explained this matter so many times through mail through calls but no result. Finally when the issue not solved in frustration I cancelled my credit card but still I am receiving outstanding balance statement & frequent calls from SCB for settlement of this amount. Now the amount is accumulated to approx. Rs11,000/- & last call for settlement is given to me is Rs.8,000/-. I am feeling like totally cheated & harassed by such a reputed bank. I dont understand why should i pay this amount which is totally not of my concern.

    My only query is when a bank waives off any charges like annual fee. They should waive off all the charges related to that charges or not?

    Please guide me.

    1. The rules are governed out of the terms and conditions document which you must have signed in the start . By logic, if they waive off a charge, then obviously anything related to that should automatically be waived off too . But still look at the terms and conditions . Also have you moved to banking ombudsman or not ?

      Manish

  125. vimal singh says:

    which amount limit we can complain in banking ombudsman

    1. UPto 10 lacs I guess for district forum

  126. Nitin Kumar says:

    Need your views, I am existing Home loan customer of Axis Bank, recently I applied for Loan Top-up , Loan sanctioned on 5th oct , processing cheque was deducted on 18th oct’2013 …its been about 2 months, still no disbursement of loan…I have been following up here & there and getting excused like…salesman left job, bank is not able to locate my original property papers etc….

    Whom can i complain and how can i claim for mental harrsament & financial obligations due to delay in payment.

    1. Credexpert says:

      Dear Mr. Kumar,

      We would suggest that you first write an official email to the bank raising this issue and mentioning each and every statement of facts, as verbal communications cannot be used to validate the facts in future. Await their response as the further course of action would depend on their reply.

      In case of no response or unsatisfactory response, you could also consider filing a complaint with Banking Ombudsman by visiting the link http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

      Also, ensure that the interest rate charged by the bank is from the date the loan amount was disbursed to you and not from the date of sanctioning the loan.

      Regards,
      Credexpert
      http://www.credexpert.in

    2. Nitin

      You can complain to Bank grievance cell first and then to banking ombudsman . Sadly there is no fast recovery from this problem

  127. Manoj Choudhari says:

    Hi Manish,

    Please help me with below issue:
    I have State Bank of India Housing Loan taken on June 2008 for 10 Years.Initially the interest rate was 10.5% P.A(Linked to Prime lending rate).
    But after 2010 the interest rate started increasing (It was 14.5% P.A in November 2013).
    My EMI amount increased in 2010 and i would get a call from bank officials to repay the extra amount.i paid the extra amount which was due.
    I went to bank in November 2012 and inquired about the rates and they said that the rate has increased the rate change in the system happens automatically.
    (At this point the loan officer and Bank manager did not tell me that i can switch to base rate which was 4% less than the Prime lending rate.It was notified by SBI on March 2011.Can be be found online in all leading newspapers)

    I had been to bank on 1st week of November 2012 to get the interest certificate for claiming tax benefit.That time the loan section had new officer and he said why i am paying high rate and said that i can switch to base rate.i filled an application form and my Rate of Interest was changed to 10.3 from 14.5 on 28th Nov 2013.

    My question is:
    Can i ask refund for the bank for high interest paid from March 2011 to November 2013.(In comes to around 70000 Rupees)?
    The bank did not send any letter to switch to base rate or they informed us when we were in Bank for inquiry.Instead they would call us to pay the extra amount for increased interest rate.

    1. Credexpert says:

      Dear Mr. Choudhari,

      If the loan was availed under the floating interest rate type, then there might be a possibility of your interest rate changing from 10.5% to 14.55% interest rates. The bank rightly so demanded for the additional EMI resulting form the increased interest rate.

      As mentioned by you above, adequate notification was provided by the bank in newspapers of shifting from Prime lending rate to Base rate and hence the available option to the existing borrowers.

      You will have to read your loan agreement in detail to understand the request for refund and any other change in your re-payments (EMI) which can affect your cash flows. However, you could approach the bank directly to clarify and ensure the same.

      Regards,
      Credexpert
      http://www.credexpert.in

      1. Manoj Choudhari says:

        Hi,
        Thanks for your reply.
        I am not complaining about increase in the interest rates.
        What i am complaining is about:
        SBI sent a notification in newspapers about the switching to base rate in March 2011. But the bank did not inform me through letter and also when we talked to manager about reducing the rate,He did not inform about switching to base rate.
        It was the newly appointed officer who changed my rate to base rate.
        That caused me to pay high interest rate for 1.8 years till Nov 2013.
        That extra amount is around 70000.
        Please advice if i can claim that amount.

        1. Credexpert says:

          Dear Manoj,

          I would request you to read your loan agreement there might be the possibility where any announcement regarding the change in the product features (for eg. interest rate) to be published through the media.

          There is only one way to find out whether you can claim the extra amount, is by discussing the scenario with the bank official.

          Regards,
          Credexpert
          http://www.credexpert.in

        2. Hi Manoj

          this can be termed as “Deficiency in Service” … You should file a case against RBI on this . Also you should file a RTI to SBI on this and ask questions !

    2. I think its deficiency in service and you should file a case against them

  128. sunil singh says:

    Me and my brother contacted icici bank to open saving account but officer at branch told that as you are staying in chawl ,icici bank cant open your account instead of all documents having with us. Can I complain about it .

  129. Sanjiv Kamat says:

    Hello, I was using credit cards of Standard Chartered bank and in 1 month my due date was passed and I had forgot to pay my bill, but when I got reminder email from bank I had paid more amount than actual then after 2 months I got email from bank your bill still pending and we cant hold your account more, and they had given some particular amount to be pay.

    But I was surprise when I had paid my bill continuously how come so big amount will be pending. Then I had spoken with customer care & clarify all my doubts and that time they told yes you had paid all your bill and your excess amount with us is approx 6,500/-

    After few days they send us email writing we cant hold your account kindly clear all your bills and close your account. I again spoken with customer care that my excess amount with you, if you dont want to keep my account in your bank you pay my excess amount which is approx 6,500/- and close the account

    They had closed my account but yet not refunded my amount.

    Hoping a positive response from you.

    Regards,
    Sanjiv Kamat..

    1. You should have thought twice before taking cards with standard chartered 🙂 . All you can do is reach to their grievance cell now and then to consumer court .

      Manish

    2. Credexpert says:

      Dear Mr. Kamat,

      Kindly clarify the following:
      • The total amount that the bank owes you
      • When and how would this account be reported on your credit report

      Insist for a closure letter and NOC from the bank. We would suggest that you opt for a written communication with the bank as this can be used for future validations.

      In case of no response or unsatisfactory response, you could also consider to file a complaint with Banking Ombudsman by visiting the link http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

      Regards,
      Credexpert
      http://www.credexpert.in

  130. RSRB Kumar says:

    Thank you very much Manishjee for the guidance.

    I have already approached the Banking Ombudsman.
    By the way, the bank in question is CITY UNION BANK (CUB), a private bank with 500 branches.

      1. RSRB Kumar says:

        Dear Manishjee,

        After complaining to Banking Ombudsman, City Union Bank further finally came back with a letter to me. They want to first investigate outside the bank rather inside even though their employees are erring. Initially he replied to me through e-mail (without copy to Ombudsman) as below :

        QUOTE

        In your case, the honouring of the FDR issued, together with the principal and interest contracted, on the date of maturity of the deposit is solely the onus of the Bank and its management. As a representative of the management of the Bank, let me reiterate that the commitments of the Bank are verymuch intact and you can rest assured that your deposits placed with our Mangalore Branch will be placed at your disposal at the material time.

        It is only a question of time in our quest for exploring the possibilities of recovery from the culprits, before making our erring employees to replenish and restore your deposit with due interest from the date of deposit of the same.

        UNQUOTE

        But again a letter came from the bank (with a copy to Ombudsman) asking me to come to India with my laptop, connect to internet and login in the presence of officials of City Union bank. I am confused with this stand of the bank. Shall I approach again to Ombudsman? As the bank sent a copy to Ombudsman, whether Ombudsman himself will take objection to the bank’s stand? What shall I do now?

        The incident took place in July-2013. I was in touch with the bank since then. I came to India in Septembr-2013. But Bank has never told me to “connect laptop, connect to internet & log-in”. Why bank is asking this now after 6 months that too after complaining to Ombudsman?”

        Please advise

        1. the thing is what bank is asking to do is unrealistic. You should again complain to banking omnudsman

  131. RSRB Kumar says:

    Dear Manishjee,

    Hope you are doing fine.

    I am working in Saudi Arabia. My salary is transferred to City Union Bank and then subsequently I opened a Term Deposit (Cumulative Fixed Deposit) with City Union Bank.

    Within 10 days of deposit, bank has prematurely withdrawn the deposit and transferred the money 2.5 lakhs to some unknown account through RTGS. When we questioned the bank, bank is telling that based on e-mail request they have done this act.

    This incident took place in Jul-2013. I have requested the bank to re-instate my deposit. But bank does not answer anything in writing. When my father (who is mandate for the NRE account) approahed the branch, manager talks vague. It is almost 3 months, my e-mails are not being answered.

    Should I approach Banking Ombudsman or Consumer Court or any other wings where I get justice? Please advise.

    Thanks a lot.

    1. Yes, you should reach to banking ombudsman . I hope you are talking about UNION BANK OF INDIA . Right ?

  132. hidayathulla says:

    I Lost Rs.43000 from my sbi account unauthorised withdrawls 1000×43 times. in the month of April 2013. Immediatley I contacted the nearest branch can able to save some money after blocking. I also contacted my home branch sbi and lodged the complaints they have responded but till now my money is not reimbursed. Again I contacted them and given complaint twice but still it is not materialized. So please
    suggest me what to do

    1. Complain to Banking Ombudsman !

  133. janki says:

    hi, Manish
    i lost 20000 from fraudlent withdrawl icici bank i contacted icici customer & blocked my card i contacted to the bank manager i given written complaint letter to him he rejected it 3 months happend i didn’t get any response please suggest me what can i do

    1. You should contact banking ombudsman !

  134. Hony Capt (Retd) Dhan Singh says:

    Dated: 08 Oct 2013

    Sir,

    I am an ex-serviceman, whose particulars are as under:-

    JC-182182X Honorary Lieutenant Dhan Singh, (on retirement granted Honorary Captain, whose pension is not eligible).
    Retired from Corps of Signals (Army) on -30 Nov. 2000 (A/N)
    Enrolled in the army – 02 Nov 1968, Served in Army: 32 Years.
    PPO No: S/042713/2000, Corr/6CPC/150670/2011 & Corr. No S/Corr/6CPC/279809/2012.
    Bankers at: State Bank of India, Bapoli, Distt-Panipat (Haryana) SB A/C No. 11562831682.

    My monthly pension is remitted less than my entitlement by bank, also excess TDS is deducted. I have asked number of times through e-mails/application from The Chief Manager, State Bank of India, Centralized Pension Processing Centre, Plot No 1& 2, Sector-5, Panchkula (Haryana).PIN-134101 and my bankers viz. SBI Bapoli, Distt. Panipat (Haryana) to intimate me details of my pension (Basic, DA and deduction of commutation value and net entitlement etc.).

    SBI Chandigarh intimated that the requisite details can be had from the Bankers. Bankers stated that the subject issue is not in their ambits and Chief Manager SBI Chandigarh should provide the information. I am facing monthly loss due to less remittance of amount on account of my pension and dodging attitude adopted by the bank staff.

    It is not understood as to why an ex-serviceman is being penalized merely due to mistake on the part of Bank staff. 炉石传说电竞 loss is being borne by me without any valid reasons.

    E-mail addresses of SBI Panchkula and SBI Bapoli are as under:-

    a) Chief Manager, State Bank of India, : sbi.04469@sbi.co.in
    Centralized Pension Processing Centre,
    Plot No 1& 2, Sector-5,
    Panchkula (Haryana).PIN-134101

    b) Branch Manager : sbi.06984@sbi.co.in
    SBI, Bapoli
    Distt – Panipat (Haryana)
    PIN – 132103

    c) Hony Capt (Retd) Dhan Singh : singhdhan50@yahoo.in
    H.No. B-65, Vikas Nagar, Phase-2
    Hasatsal, Uttam Nagar, New Delhi – 110059
    Mobile – 09654109144

    You are, therefore, earnestly requested to instruct the dealing agencies, as shown above, to intimate me details of my monthly pension to me and deduct correct amount of TDS, at the earliest.

    With Warmest regards,

    Yours Sincerely,

    (Dhan Singh)

    1. Thanks for sharing you case !

  135. Kamal Kishore rawat says:

    I booked my complaint on 1st May, 2013 My Complaint No is 2012 1301 4007 912 against Oriental Bank Of Commerce. I Got Acknowledgement wherin the above complaint no was said to have been sent to concerned Bank (OBC). I am still waiting for reply or what is the outcome of the complaint.

    1. Which complaint are you talking about ?

  136. Amiet says:

    Hi Manish, I have deposited a top up loan draft from citibank in my SBI babk account home branch & validity of the draft was 1 month & it was outstation DD.
    SBI did not credit it saying some admin issues & returned the DD to me 1 month later, even though I have reminded them of the need repeatedly in last 30 days. Since it was a top up loan, my old loan was also merged with it & now both are cancelled & my citi account is asking the payment of complete Principle in one go. I don\’t know what to do. I have met SBI manager who asked to try loan from other pvt banks. Can banking ombudsman help? Your help will be appreciated.

    1. Yes, if its bank inefficiency issue , then banking ombudsman will help, but the thing is that in reality it will take many months ! to resolve. You will have to bite the bullet for now and find about solution . The quick thing you can do right now is contact the grievance cell of SBI and talk to them

  137. bhavesh patel says:

    ON 09.07.2013, AT ABOUT 4.00PM, I APPROACHED PNB ATM NEAR NAYAPADKAR NEWS PAPER OFFICE AT ANAND AND TRIED TO WITHDRAW RS.3000/- USING MY DEBIT CARD OF OBC BANK,VALLABH VIDYANAGAR -ANAND. SINCE THE TRANSACTION WAS UNSUCCESSFUL, AS I COULD NOT WIATHDRAW CASH PHYSICALLY. HOIW EVER I INFORMED THE WATCHMAN & MANAGER OF PNB, ANAND.

    QUESTION IS SINCE THE MONEY HAS BEEN DEBITED FROM MY ACCOUNT & TALKED TO BOTH BANKERS, THEY HAVE TILL DATE FAILED TO RESOLVE THE ISSUE.
    THIS HAS CREATED MUCH AGONY AND ANGER, WHICH IS WHY I AM DIRECTLY WRITING TO YOU FOR AN NECESSARY AND CORRECTIVE MEASURE.

    1. complain at banking ombudsman !

  138. Vaidehi Shukla says:

    I am a resident of Gurgaon and have visited quiet a few private banks near MGF mall and Sushant Lok for getting a locker. There are many lockers available but all the banks mention that an initial investment in some plans that are available at the bank is mandatory or a minimum deposit of 1-2 lakhs is essential. Knowing the RBI rules, it seems fishy. There are many executives mention that their branch managers forbid them to give lockers to customers with a minimum deposit. Is this correct? And if not where do I complain on Banking Onbudsmen? How can we solve this issue?

    1. First, complain to banking ombudsman on their website as well as write a physical letter and if the bank is PSU , write a RTI letter. Check out this article which will help you – https://www.jagoinvestor.com/2013/05/bank-lockers-safety-and-rules-in-india.html

      1. Vaidehi Shukla says:

        Thanks Manish…will look into this.

      2. Dhan Singh says:

        Sir,

        Please refer to your reply in connection with my earlier request.

        I have written to you with a fervent hope that you, being on the fountain head of the bank organization, will solve my problem and issue direction to the concerned dealing agencies for rectification of the anomaly. It is a problem with the bank staff who do not generate actions on my request despite repeated requests. Otherwise the issue is not bigger. If they are remitting monthly pension to my banks, what is harm in intimating the details of the amount( viz. Basic Pension, DA, deduction of commutation value and net payable amount) to me. With these details I will reconcile my calculation and point out the discrepancies. Also they are deducting extra TDS, which should be revised to correct one.

        Your suggestion to me for writing a RTI letter is a evasive reply from such reputed institution and seems that you are washing your hands off form the responsibility of issuing directions to the relevant agencies. In fact, it is in house action on the part of bank organization which can be solved without any hiccups. In nutshell, I have not been relieved with your reply. I think, your good self being part of bank organization and who is in the helm of affairs to issue such directions for better functioning of the bank is not writing to bank instead you are suggesting me viable.

        Thanking you.

        Yours Sincerely,

        Honorary Captain (Retired) Dhan Singh

        1. I am head of bank organisation ? Which organisation Are you talking about . I am a blogger 🙂

        2. Honorary Captain (Retd) Dhan Singh says:

          Sir,

          I am extremely sorry for writing above contents to you as I was thinking you ombudsman.
          Any how, kindly intimate me correct address, if possible, where I can redress my grievances.

          With warmest regards.

          Dhan Singh)

  139. Sangita Patel says:

    Why I should pay extra 2054/- & 254/- for my credit card acc.?
    Pls. check it.
    Thank u ir.
    sangita.

  140. Sangita R Patel says:

    Sir, I have ICICI Credit Card (4477 4650 0246 7000) since last 10 yrs.
    I am using it very well & I do payment also in time.
    But Aug. month’s bill is showing Rs. 2054.77 as INTEREST CHARGES &
    253.97 as Service Tax.
    Which is totally wrong in bill.
    Last month bill Rs. 42702.42 is paid on dt. 12,July 2013.
    So pls. do needful.
    Thanking You.

    1. Hi Sangeeta

      How can I help you on this ?

  141. Rakesh H Patel says:

    I have ICICI Bank savings Acc. in Surat,Gujarat.
    My Acc.No. is “005201006121”.
    On 27,July 2013 bank deducted Rs. 1500/- from my acc. without any intimation.
    Description was-INWARD CLEARING ZONE.
    Pls. help me to solve this problem.
    I request you that ICICI Bank credit same amount which is debited frm my Account.
    Thanking you Sir.

    1. I think only bank can give you explaination on what is that charge !

  142. BEA VIJAYA KUMAR says:

    sir, i have an a/c in HDFC, NARSAMPET ,a/c no.is 23541050000021, it is a salary a/c and having the facility of zero balance. for near about 9 months my salary is being credited in this a/c but unfortunately a/c automatically changed to normal a/c as said by bank personnel of the branch and from a/c near about Rs.2800/ – ( exact y amt. was not noticed by me, this is rough amt.)was debited towards AMB charges , repeated requests made by me credit amt.even though they credited with Rs.1800/- , remaining amt. was not credited till date. Again on 7.6.2013 my a/c was debited with Rs.2890/- towards AMB charges though my salary regularly credited in my a/c.
    On 11.6.2013 i made contact on 9949493333 and lodged a CRM complaint request no.HYDC0613017619, and again i contact them on 24.6.2013 and enquired about my complaint they told that it may cleared within 7 working days ,but it is almost 15 days elapsed my request was not cleared, plz look into the matter and inform me

  143. Paul says:

    Manish,
    Yes, I checked clearly nothing like that, if for 6 months they send sms and not charged suddenly they charge and that too without informing the account holder then naturally i am upset, this is the trend going on with almost all providers, talk is going on, lets see, if an RTI is raised, how much is the cost and how much is the expense, one will find that bank will be making excess money just through this sms banking service in the name of giving better service. You know they first say they will deduct and if not require I have to go to their branch spending more than 70 to 100 Rs, by email, calls, and auto expenses. Banks have got good mind in their team if they want to they can redraft their intimation like this “Bank is providing alerts to account holders for free and since sending sms costs money and with our huge client base we are unable to provide this service for free and will be charging a marginal amount of Rs.5.00 per month for sms service from account holders, in case you wish to continue with the sms banking service, please register your name by sending sms on (number) and you continue to receive the transaction sms service and every month Rs.5 will be debited from your account” instead of “Rs.5.00 will be debited from sucha and such date and if you wish to unsubscribe, please visit your nearest branch”

    1. Hmm .. yea I get your point ! , Complaining to banking ombudsman should help but how many investors will do that ?

  144. rustom says:

    Dear Manish…
    I have had remitance from abroad to my account in India HSBC. According to my company and contract all charges for remitance are oaid by the company. In any case HSBC charged me a deduction as fees and another as some govt tax. Apart from this an amount of 10 usd is missing. The company verifies a certain amount that they have remited and confirm no charges are deducted from the remited amt from their bank side. The amt recieved is always 10 usd less than the amt remmited and then i pay hsbc charges and also a tax which they say is a govt thing.

    II have asked them where is the 10usd missing and they claim it is an intermediatory bank..whereas my company assures me that their bank has no intermediatory bank and transferes the amt directly to my account..and if there was a charge from their bank they would cover it. Also no other employee across the globe gets this deduction.
    Also there si no reciept nor notification of the deduction, I simply do not know where the 10usd dissapears..after it being transfered from the remiting bank….one thing is for sure the remiting bank is transfering the whole amt..lets say X….and then i recieve X- 10 .
    I have re written to HSBC with all mals from my company clarifying the amt remited and no charges being deducted from the remiting side….what option do I have to tke my complaint with HSBC India further

    1. Tell them if they do not give you propert deep explaination you will move to banking ombudsman and then to consumer court !

  145. Priya says:

    Thanks a ton Manish! I will follow up on this and keep you posted.

    1. Sure . Let me know what happened asap . We will take up this one !

  146. Priya says:

    Hey Manish , Hope you are doing good! After going through one of your articles about the FD which every bank demands for a locker, I went to the SBI bank branch where I have my home loan and asked them for a locker. They said they dont have big locker but they have a small one available but for that I will have to deposit Rs.1,10000 as an FD. I argued with the lady that RBI rule books dont say so and enquired about yearly rent, to which she said its Rs.1200 PA. I told her that I will deposit 3600 , max 4000 as an FD and not more than that. She asked me to meet the bank manager then. The bank manager told me the same thing and I argued with her as well but of no use. When she thought that we were not inclined to open an FD , she said we can take insurance policy as well. We did not agree to that as well. Upon asking her why should we deposit such a huge amount, she said its a business expansion initiative blah blah!

    So my question is , in my case is it necessary to give a written complaint to the bank , wherein we know the bank is already following this malpractice and they are not going to take any action ?

    Can I directly register a complaint with the Banking Ombudsman for this issue ?

    I believe I can also file an RTI for this but not sure which is a better option – Ombudsman or RTI . Please help!

    1. Good that you took this initiative , Dont worry , you will get the locker for 4000 only . I will guide you on what you should have done .

      1. At that moment itself, you should have told bank manager that you are filing a RTI against HIM (Bank managers are CPIO officers itself and are suppose to reply to RTI) . In the RTI reply, he himself has to reply you that only 3 years charges + breaking charges has to be paid.

      2. I suggest put a RTI to him or refer to this article – https://www.jagoinvestor.com/2012/12/rti-application-for-psu-banks.html .

      3. You can complain to Banking OMbudsman only after 1 month when you have already complained to bank and have not got satisfactory answer. So first complain to bank and then in next one month , complain to Banking ombudsman

      4. I would say just meet the Bank manager and tell him about your plan and that you know the rules to the core and he should not mess up with you

      For any issue mail me and we will get the locker for you in correct manner.

      Manish

  147. Paul says:

    I received a sms from Axis Bank that my account will be debited with Rs.5 every month for sms service rendered to me. First of all though this is a small amount on what authority does bank debit without the account holder’s concurrance or written instruction, Just imagine Rs.5/- every month from 1 account holder and just imagine ther are 1000000 x Rs.5/- how much they make whereas they buy sms in bulk, this is one of the scams that needs to be brought out, the only sufferer i the end is the common man. I am to reverse this

    1. Paul

      I think you had applied for sms requests when you opened the account, and it must have written clearly in your agreement that its a limited time free offer or the terms can change later. Check with bank on that . If you do not need this service, better disable it .

  148. Dear Neha,

    We would suggest that you read the loan agreement to confirm the liability of the heirs in event of death of the borrower.

    Regards,
    Credexpert

  149. Neha S says:

    Sir,
    I want to complain against HDFC Bank. My father took loan from HDFC Bank under the kisan credit card scheme whose overdraft limit was 6 lacs. He expired in july, last year. I got to know from someone that the heirs are not liable to repay the loan after the borrower’s death. But the bank did not inform us and asked us to repay the loan. We paid more than half of the loan from all the savings we had and now our financial condition is not good.
    Can I file a complaint against HDFC Bank for getting back the amount we have paid?

    1. I dont think you can do that now !

  150. Navaneet says:

    Hi Sir/Madam,

    I want complain agenst my Bank (HDFC), Please guide How to complain online.

    regards,
    Navaneet
    0086 15190866039

    1. Dear Navaneet,

      Have you already lodged a complaint with the Bank and when?

      If you have not lodged a complaint then we would suggest that you lodge a complaint and wait for one month.

      If yes, has the bank failed to respond to your complaint within one month? Was their reply satisfactory?

      If you have received any reply from the bank and you feel it is not satisfactory then you can escalate that complaint to Banking Ombudsman and await their response.

      Regards,
      Credexpert

    2. Thats what the article shows you right ?

  151. Sumeet says:

    I was having credit card with Standard Chartered Bank from 2005 till 2008 which i did not use and even tugged with the receiving letter for these three years. After expiry of card in May 2008, Bank started giving me calls that i have outstanding amount of 6500/- and need to clear it as card is already deactivate for expiry. I asked them to provide me the statement to justify the dues which i can look and understand. Customer care told that they don t have records and can not provide statement and saying to pay outstanding. This had gone for 3-4 months for which they stopped calling me and I also felt that bank is unnecessary harassed me to get amount for which they dont have records.

    After when I went to apply home loan in 2009, It was not approved due to defaulter in CIBIL with 6500 dues, I went to the Bank and repeated the same conversation to give me the records but they were not having. I was in need of home loan to sort out the matter, I and Bank decided to pay half amount 3500 and close my dues and also update CIBIL on this to remove my name from database. This was agreed and written by Bank in the letter head signed by Manager authority on receving 3500 payment. It was also mentioned that it will take 60 working days to update in CIBIL and I trusted them and went away.

    Based on this letter, my home loan was approved for which regular payments are going. In 2012, I went to apply for car loan and it was strange to see that my loan was again not approved due to dues from SC and accrued to 12000 in 3 years. The same I again got approved from the letter from SC in 2009.

    Since, I have started writing mails to SC on the commitment letter in 2009 and asked them to update my name which is showing 13000 amount. Their reply to emails are that my card was invalidated and those dues has accrued to 13000 in 2013. My repeated communication to them on 3500 payment and deletion my name in CIBIL has not being responded and not satisfied on it. It seems they are not considering the matter written in the letter.

    Please suggest what needs to be done here? I need to get my name removed from CIBIL and no amount to be paid as its Bank who did not update CIBIL on time and amount is 13000 even if settlement is in 3500/-

    1. Sumeet

      This matter can not be dragged like this now , better approach consumer court and settle the matter finally .

  152. lakshmi says:

    Dear Mr. Manish Chauhan
    It’s a joint SB account of me and my husband in SBI bank. The ATM card is in my name. On 25.10.2012 my husband used this ATM card and withdrew Rs 1500. He didn’t get the slip at the end of the transaction, but the machine showed out of order. So he went to the nearest another ATM to know the balance in our account. In the mini statement he saw one more transaction or Rs. 10,000 after 3 minutes of the first transaction of Rs. 1500. We are shocked how anyone can take money without our ATM card and pin number. After a long struggle with the bank we made a complaint to the Banking Ombudsman and on 04.04.2013 we got our Rs. 10,000 only. When we asked for the compensation RBI ombudsman told that ATM card was operated by my husband, when the card is in my name. So we will not get any compensation or even interest for the amount. We told RBI that it’s a joint account. But they didn’t agree. I want to know whether there is any rule that my husband should not use the ATM card even though he is a joint account holder. Is there any possible way to get compensation and interest for the amount.

    Regards,
    Mrs. Lakshmi Raja , Chennai

    1. Whose card it is ? Yours or husband , just because its joint account does not mean he can use it .

    2. And when Banking ombudsman has said no interst will be given , I am no one to comment on that 🙂

  153. DR (MRS) RAJESH CHAUHAN says:

    Sir
    Please refer to complain no 466 dt 4-5-2013
    CCTV FOOTAGE DETAILS ARE
    1) First footage not showing the face of the person withdrawing the money
    2,3,and 4th footage CCTV machine not working or not capturing the video.
    submitted for your expert comments please
    DR (MRS) RAJESH CHAUHAN

      1. DR (MRS) RAJESH CHAUHAN says:

        CCTV FOOTAGE of ATMs from where illegals
        withdrawal have been made

  154. Simhachalam k says:

    My name is Simhachalam and my SB A/c No: 20020776207 in SBI Gandhinagar branch Hyderabad . I’m maintaining this account past 3 years, I’m satisfied service but past few months onwards my ATM, other bank transactions are attracting service charge, actually my first five other bank ATM transaction should be free. In this regard I made a complaint bearing No: CS11607752909. dated 04/20/2013

    I got a call from your employee and updated irrelevant information and closed the above complaint. Please look into this issue.

    Thanks & Regards,
    Simhachalam K,

    1. You can file a complaint with banking ombudsman on this .

  155. DR (MRS) RAJESH CHAUHAN says:

    Sir
    Please refer to complain no 466 dt 4-5-2013
    CCTV FOOTAGE DETAILS ARE
    1) First footage not showing the face of the person withdrawing the money
    2,3,and 4th footage CCTV machine not working or not capturing the video.
    submitted for your expert comments please
    DR (MRS) RAJESH CHAUHAN

  156. O P Choudhary says:

    Dear Sir/Madam,
    IBPS Authority & Banking Ombudsman
    through your website
    Why Ibps SpecialistOfficer(SO) cut-off marks kept similar between OBC and SC/ST?
    SC/ST cut-off marks should be less than from OBC.
    It’s unrealistic. SC/ST students are very unhappy for this.
    Please think about it and reply as soon as possible.
    Thanks

    1. Do you know where have you posted your comment ?

  157. Mr Gambhir says:

    Hi Manish,

    I had made a ATM withdrawal from a Kotak mahindra Bank in Oct 12 using my ICICI bank debit card. The transaction message was sucessful even though no money was dispensed. I complained to the Kotak Mahindra staff inside the ATM booth but they asked me to complain to ICICI Bank. After 3 months, ICICI Bank has given the final letter of rejection. I have filed an online complaint with BO against ICICI bank on the ATS link. Even after 2 months, my application is showing “Under process’ on the ATS link. Pls let me know, how much more time it would take & what should I do in the meantime.

    Rgds,
    Mr Gambhir

    1. Banking ombudsman takes time .. dont worry , you will get the interest on the money if your case is genuine

  158. DR (MRS) RAJESH CHAUHAN says:

    MR MANISH CHAUHAN
    Sir
    ON 5-2-2013 I CAME TO KNOW ABOUT THEFT OF Rs.160187/- from my SB acount through 16 ATM withdrawals over4 day ie feb 2,3,4,5 in 2013 .MY ATM card is still in my safe custody .No SMS alert recieved for withdrawals.
    On 6/2/2013 I submitted a written complain to the concerned branch (sbi ballabh garh) and to my area police station(PS SHAKAR PUR) FIR was lodged later
    NO response from bank, ..
    On 10/2/2013 I comlained to SBI chairman thr eMAIL
    A complain was booked but complain was closed unilatrally without any communication to me
    A fresh complain was lodged with same outcome
    A written complain to RBI ombudsman was lodged but no satisfactory response till date
    An RTI dated 6/3/2013 to know the status of SMS alert revealed that SMS was not captured by CBS and bank doesnot have information of TELEPHONE NO on which SMS alert was sent .This information was given on date 18/3/2013. But soon after theft I started getting SMS alerts on my moble inpite of giving no request for SMS alert to bank
    Appellate authority of bank RTI system was informed about non satisfactory information provided by bank in respone to the RTI.
    MORE THAN 3MONTHS HAVE GONE BUT I HAVE NOT RECIEVED MY HARD EARNED MONEY AS I AM A GOVERNMENT DOCTOR SOLELY DEPENDENT ON SALARY KINDLY GUIDE ME WHAT TO DO NOW
    WITH GREAT REGARDS
    DR (MRS) RAJESH CHAUHAN

    1. the only option is to complain to banking ombudsman !

      1. DR (MRS) RAJESH CHAUHAN says:

        Sir
        A written complain to RBI ombudsman was lodged,they have communicated on 21-302013 only once ,informing that a letter has been written to the concerned bank and will take further action after reply from the concerned branch but no further communication since 21-3-2013 .
        What should I do now?
        with regards
        Dr.(Mrs) Rajesh Chauhan

          1. DR (MRS) RAJESH CHAUHAN says:

            SIR

            what should be asked in RTI

            1. Whatever you want to know , those questions

  159. Abdul Rehman Dalayat says:

    Hi Manish,

    I have my query on forex charges. I work for an European MNC from Apr’2009 till date. Am banking with HDFC Bank for last 13 yrs & this is my salary account. Every month my salary differs from the forex charges USD of the day they credit into my account. In the last FOUR yrs that is till date I have lost Rs,1,01,031.63 in form of differences. I have discussed this with the bank for last TWO yrs but don’t see any results.
    Can I take this up with Ombudsman for my LOSS & what else can I claim from Bank.
    Pls help as this can be used for some needy people.

    Regards,

    Abdul Rehman

    1. Yes, you should take up this with banking ombudsman

  160. suraj vastrakar says:

    IS COMPLAINED TO RTI BENEFITED

  161. suraj vastrakar says:

    here is what i complain to ombudsman banking on 04/07/2012 whish is as under :——————————
    To,
    Office of the banking ombudsman
    C/o. Reserve Bank of India
    Pt. J. N. Marg
    Bhubaneswar-751001
    Dear sir,
    (Sub:-non refundable of rs.10000/- by state bank
    ,sec-1, shaktinagar Rourkela)
    Dear sir ,
    This is to inform you that I (abdul sattar)
    am a customer of sbi bank ,sec-1 shaktinagar branch Rourkela, having
    my SB a/c no.-30016020732.On date 13.12.11 ,rs.10000/- is deducted
    from my a/c from atm 13471 UNI(as it mentioned in the passbook).but on
    that day ,I used my atm card nowhere.then I complained it to the bank
    .on date 23.12.11 , Rs.10000/- is credited to my account.but again on
    date 30.12.11, Rs. 10000/- is deducted from atm 13641 UNI. my atm card
    was not used anywhere on that day too.when I complained it to the
    branch manager why this happening he was also shocked. .after filling
    up complain form(c.no.-AT42923370113 as I got in my mobile message),he
    told he will look into the matter. i asked for acknowledge
    receipt,then one of the staff proudly said to fill up the complain
    form and to go. after 15 days when I went to meet branch manager(timir
    ranjan mohanty) ,he’s telling that either you or your son must have
    used the atm at united bank of india giving a bank’s statement copy(I
    am attaching that statement and passbook’s copy).i told that you prove
    it that I used the atm.we went to him 3 to 4 times.lastly he refered
    to us to go sector-5 bussiness center .their staff said to complain it
    to the police they will check it by cctv record.in this way I am
    harassed by their service.and my money is lost.that’s why lastly I
    complaining it to you to go through the matter.and I want my money
    back with fine.
    So I there fore request you to kindly take action about it.and help us
    to get my money back.
    Date: 04/07/12
    thanking you !
    Place: Rourkela
    your sincerely

    ABDUL SATTAR

    Sec-c
    ,Saradapalli

    p.o.+vill –
    bondamunda

    pin-770032,distt-sundargarh,

    ODISHA,
    Cell no:-09692215568
    THIS WAS MY COMPLAIN TO ob rbi. but it was not fruitful to me since they supported to sbi bank
    so plz help me what should i do ?

    1. Dear Mr. Sattar,

      As you have already filed a complaint under the Banking Ombudsman Scheme 2006, and have received their reply as well, the next step is to file a complaint with the consumer court.

      Regards,
      Credexpert

  162. Akila says:

    I would like to know if there is any OMBUDSMAN for PF queries and deviations?

    1. It comes under RTI , so you can file the complaint

  163. Akila says:

    Does PF also has an OMBUDSMAN?

  164. mohammad akram says:

    Dear sir

    At 14/5/20I2 I had met a major accident in which my right leg has been seriously damaged I am under treatment till today I am unable to walk, work or do anything. I have been still getting icici bank letter of recovery till date
    During this period I am unable to pay my house loan and the bank has sent me a recovery notice under section 13(4)of rule 8 .Therefore sir I need some time for the payment of the amount as my financial condition is not up to that mark in the present time. Please help me with conclusion

    1. Dear Mr. Akram,

      We would suggest that you approach the bank and present your case to them requesting them to restructure your loan by increasing the tenure and reducing the EMI. Although post the restructuring there would be a “Restructured” remark on your credit report but this is always better than non payment.

      Regards,
      Credexpert

    2. Hi Akram

      I have my sympathy with you , however for loan repayment , banks will not consider these points for long . They will follow the usual process for recovery even in your case, its business for them

  165. Umar farooque says:

    I have visited SBI ATM at around 8:30 am on 11th Feb-2013 to withdrwal amount, there was three atm machin in SBI ATM booth, i have used first and swap my ATM card,
    and it asked me PIN number i have entered but it desnt shown any response,seeing not response i hit the clear button as well as cancel several time,
    but but that also didnot it was hanged,after not getting reponse for long time, i use another machine, i used that and made my transaction success of Rs.500,
    and got receipt and i came out side the ATM as there was huge queue it was showing balance amount 19706.80.it was correct then i scratch the receipt.
    from there i went to take bus to MCTC(towards Mysore), and get the ticket from conductor and sitted in bus, then i got sms that showing the transaction of amount 500 withdrwal and balance is 9706.80,
    followed by this i got another sms showing that Rs.10000.00 with drawl and balance is 9706.80,Then i checked in my mobile banking balance was showing that 9706.80,
    i shocked and went back to atm and checked out some information but there was no security and peoples are in queue,
    i see all over but no information i get nothing then there was telephone number for help or enquiry i dialed number serveral time but it was in correct/disconneted number displayed there.
    I thought it may be technical problem may i will be refund back and went towards bus because i had kept my luggage bag in bus only
    and i ran towards bus, and went to mysore, then keep trying to call to customer care of axis bank, after several hours i got connected, they lodge my complaint,
    but till then i am in mysore.After the customer Care Complaint i also visited to Branch Office Axis Bank,where my account is located and personaly expalin my problem to Mr.Srinath,He lodged again complaint and
    gave assurance of Refunded once it will be received response from associated Bank(i.e State Bank of India).But after several calls and sevaral days waiting for response later
    they again ask me to wait for 17days,and gave assurance of refunded,but till date they are misbehaving and not giving proper guidance for my valuable 10000 rs details,
    so please i request you to take any action towards my complaint and i am very get sick of that money that i worked month together it my salary amount which is me to very important,
    i really begging you for this, i need my amount please.
    It is clearly shows that in Our fastest Growing technologies Country, there is no security,and faulty ATM machines have used in India’s Largest Banking and there is no time out session have maintained in ATM machine Software.
    Please how i lodged the Complaint against Axis Bank.

    1. I think the issue where is that faulty machine where you had not logged out of ATM and some one else used it after you were gone , also there was assistance and security personal there at ATM , this is clearly deficiancy in service . I suggest filing a consumer court case here .

    2. Dear Mr. Farooque,

      It seems you entered your details in the first ATM and without logging out, moved to the second ATM. This could have resulted in the log in being still open when the next person used the first ATM – and seeing your log in still open, he could have drawn out the Rs 10,000 – whether by mistake or with the intention of taking your money. We are not sure what the bank would do in such a case – however, since you have already filed a complaint with the bank but have not received any response for them for over a month now, we would suggest that you file a complaint under the Banking Ombudsman Scheme 2006 by visiting the link http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

      Regards,
      Credexpert

  166. Vipin says:

    Hi Manish,
    I was having a HDFC salary account from 2008. After leaving that company in 2010, my Salary account changed. But still, i was maintaing that account for transaction purposes. Few days back, one of collegues alerted me saying that HDFC is debiting some charges from the accounts. I went to my account and saw that some charges were debited saying AMB charges. I was not sure what was that. I called up the Customer care and they told me that those are Average Monthly Balance charges. But i told them that mine is a salary account. But they told me that it has been converted to savings account in 2012. I argued that, the Bank has not informed me about that. They replied back saying that its there in the Welcome Kit.
    I was frustrated and browsed some documents and there was a circular from RBI on Dec. 26, 2002, saying that bank has to HIGHLIGHT the AMB charges when the account is been taken. But this was not followed. They can argue that, since it was a salary account no AMB charges were applicable. But when the account is been converted to savings account, its their duty to HIGHLIGHT that.
    I have raised an issue with the bank for this purpose. But they are explaining me how the AMB charges are calculated and Why it is been charged on my account. These details i knew in my first call itself.
    I also read through the Terms and Conditions of HDFC Salary account. There they have mentioned that Bank can change the account type, if the salary is not credited for more than 3 months. Also they have mentioned that the bank can close the salary account, if the salary is not credited for more than 3 months
    My question was
    1. Why my account was not closed, if they knew that salary was not getting credited according to their Terms and Conditions.
    2. Why they have not informed me about the AMB charges when the salary account was converted to savings account accoring to RBI rules.
    3. Why they have put the onus on the customer, to inform about the employer change, when they are not informing about the account type change.

    I just wanted to know, whether the questions are valid and can i approach Ombudsman, if the answers from the bank are not satisfactory. Thanks.

    1. Dear Vipin,

      The T&C of the bank states that they can change the account type, if the salary is not credited for more than 3 months and can also close the salary account, if the salary is not credited for more than 3 months. So we assume it could be either of the option and in your case the bank has changed the account type.

      We would suggest that you refer to a recent circular of RBI to know any amendments in the same. The fine print would help to clarify the matter before filing a complaint under the Banking Ombudsman Scheme 2006.

      Also did you file a complaint with the bank? You can approach the Banking Ombudsman only when you have filed a complaint with the bank and they have failed to respond to you or you are not satisfied with their reply.

      Regards,
      Credexpert

      1. Vipin says:

        Hi,
        Thanks so much for the reply. Thanks for the in-sight into T&C. I accept that it was specified in T&C that the account will be converted to savings, if the salary is not credited for continuous 3 months. I failed to read that when the account was taken. But when the account was converted to savings, it is as simple as i’m taking a savings account from HDFC anew. So isuppose, its the duty of the bank ,to HIGHLIGHT/intimate the AMB charges applicable. Please find the RBI circular below. Read the 2nd and 3rd paragraph.
        /********************************************************/
        Ref No. DBOD. Dir. BC. 53/13.10.00/2002-03

        December 26, 2002

        All Commercial Banks
        (excluding RRBs and LABs)

        Dear Sir,

        Minimum balance in savings bank accounts

        Reserve Bank of India has not issued any guidelines regarding the minimum balance to be maintained in savings bank accounts. The banks have been prescribing the minimum balance to be maintained taking into consideration the cost involved in maintaining and servicing such accounts and also levying specific charges, if minimum balance is not maintained. There is, however, no uniform approach in this regard.

        2. It has been reported to us that banks do not apprise the customers about the requirement of minimum balance at the time of opening of the accounts and also do not highlight the implication such as levying of charges etc. if the minimum balance is not maintained. Banks also do not ensure to inform the customers about any change in the minimum balance requirement.

        3. We have had the matter reviewed and advise that henceforth banks should inform customers regarding the requirement of minimum balance at the time of opening the account in a transparent manner. Any subsequent changes in this regard should also be intimated to the account holders. The banks may decide the manner in which the information is made available to the customers.

        4. Please acknowledge receipt.

        Yours faithfully,
        (R.C. Agrawal)
        General Manager

        /********************************************************/

        Please correct my understanding if I’m wrong. I have already raised this with bank.

        1. Dear Vipin,

          Yes, as per the circular the bank should have intimated you about the AMB charges. But do check if there are any amendments or updations in the circular. As you have already raised the issue with the bank, wait for 1 month for them reply before filing a complaint under the Banking Ombudsman Scheme 2006.

          Regards,
          Credexpert

          1. Vipin says:

            Hi,
            Happy to inform you that he Branch Manager had called me this afternoon and offered to credit back the AMB charges to my account within 3 working days. Thanks for all the information.

        2. I am not sure is this “conversion” is looked as a new account opening .. If you feel it is , better raise it with banking ombudsman

    2. I am not sure if that circular is a RULE , or a guidance as good practice to banks !

      1. mohammad akram says:

        Dear Sir,
        I have received your reply in which you had mentioned to re-construct the loan.
        I would like to know that will you re-construct the loan amount on my capital amount or capital with interest.
        Kindly let me know to whom to speak at official person for re-construct of my loan amount.

        Please co-operate and help me.

    3. vikram says:

      Hi,

      Can anyone provide me the link for online banking ombudsman form please.
      I got this link, but when i attach an attachement (pdf file), it doesnt get attached and it says invalid mail attachment. http://www.rbi.org.in/scripts/bankingombudsman.aspx
      can someone please help.

      Tks,
      Vikram.

      1. Before you do that, did you also file it offline because there have been cases where offline requests are looked at with high probability

  167. ATUL says:

    Hi Manish,
    Hope you r doing well, I had a UTI Credit card and made a big purchase and wanted to convert in to emi, but the bank service was so poor that i never got connected to customer care after hanging on phone even hours. I tried communicating with e-mail but they responded that this mail id is not registered with them. I was helpless could not do any thing. I paid all the money,the money of purchase but did not pay the extra charges. As if i would have converted in to emi hardly,i could had to pay anything extra with emi.I never received statement on time. I left the issues as i was feeling helpless.I was almost starting of 2008 when axis was taking over from UTI.
    Now when i applied for a loan,i found my Name as defaulter.I started calling the bank again and started to check about issue, I came to know that almost 500/- to 1000/- charge is now 7551/-. After chasing bank bank by calling and writing to Grivances cell,they offerd to do settlement at 50% amount ie. 3000 some change. I have come to know that if i do the settlement of any loan or credit card bank would never give me loan.
    I just wanted to know that i can take my case to banking ombudsman as bank has always failed to provide service and for mental harassment.
    In the mean while bank slapped with somany charges untill the amount becomes big.In between duration i changed my house but my friends were in same address and they have been harrased by bank people.
    Please tell me, what is the best approach, As i have approached even Head-Service Quality (Axis Bank),they are not ready to listen anything. what i should do ?? please suggest..

    1. Atul

      Can you point out why was the charge put on your credit card and was it as per terms and conditions or not . Note that there are thousands of cases like yours and the common issue. Some of the issues are from bank side , agreed , but you can not said that you did everything you could have done . A small charge will become a big one given the penalties and the charges over time . Now if you can show that it was never your fault , then you can get away with it . But just saying that customer care was busy for a lot of time or days , that is not something which will play as a base .

      Bank statement not reaching on time is a deficiency in service, but can not be a ground to not pay the charges or what ever you owe . If you feel , its really not your mistake as per the terms and conditions of the credit card, then with all your power go to banking ombudsman or consumer court and you are 100% guaranteed to win the case. But in short term, I dont see you coming out of this issue .

      I would say pay the money right now and contest later, because if you loose after 1 yr, this 6-7k would have become 30-40k 🙂

    2. ATUL says:

      Hi Manish,
      Thanks for your immediate reply. I have cleared all the money.Now what should be my stand point? As bank is also bound to provide service,but when i have not received the service,what i should do here. Axis bank people has given me so much pain. Bank needs to provide me statement at least on time,after generation of bill. In that time i never received any statement at all. It was the time when UTI was taken by Axis. According to my purchase i have been paying without knowing the statement and charges. I know bank can not show me dates of receiving statement,as it was never delivered in my hand.
      Manish i have many cards but never experienced such a worst service like Axis.what ever be the reason, i never received proper service from them as per terms of RBI. Bank simply kept quite until they made the amount in big digit.Even after asking so many time they were not able to reply me my mail,at that time my mail id was not registered with them,Now how they are able to reply?? How my mail id became registered???
      Please suggest me,how i should take my case to Banking Ombudsman or consumer forum,I would be really thankful for your suggestion.

      1. Dear Atul,

        You can file an online complaint under the Banking ombudsman Scheme 2006 by visiting the link http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159 .
        The bank should have responded to your request to convert your payments into an EMI. However it was not the banks responsibility to send you the monthly statements. Also did you inform the bank about the change in your address?

        Make sure that you read the “Grounds of complaint” under the scheme before you file a complaint.

        Regards,
        Credexpert

        1. ATUL says:

          Dear Credexpert,
          Can i know whose responsibility is to send statement, How ppl should track there expenditure????? without statement ???? If yes that is what i was doing,but i do not know, for which thing they have charged. Hope you are aware once you receive statement you would come to know, correct??
          Here is the issue,if you do not receive statement, you can only beat around bushes and you will end no where..
          How about once you receive statement after 4 months and you see bank has already slaped you with hell lot of charges???
          you would surely require some clarification,right??? How about you try communicating to customer care hang on phone for hours and unable to get connected?????
          you would try other alternative.. intelligent idea very common now a days, you will e-mail bank..
          How about bank does not responds you with unique answer, you mail id is not registered with us.(It is 5yr back communication). How,Today with same mail id they are able to communicate?????
          They did not even called customer untill the amount became 5000+/- from 500/-, what is this policy??????

          I was just looking for some expert advice but ppl are giving generic and ordinary answer. I would really welcome some one expert advice. I can not let bank to keep cheating AAM ADMI. I know bank will have to pay me compensation for this issue that is the reason i have paid complete amount.
          If i do settlement, I can not go to Banking Ombudsman.

          1. Dear Atul,

            It is important to understand that as a borrower you are obliged to pay the bank and co-ordinate with the bank in case of non receipt of statements. As already mentioned, yes the bank should have responded to your request to convert your payments into an EMI but non receipt of statements cannot be a ground for non – payment of dues.

            Also please clarify whether you communicated to the bank about the change in your address? Did you file a complaint with the bank? You have mentioned that you tried to communicate to the customer care but could not get through. You would be able to file a complaint under the Banking Ombudsman Scheme 2006 only if you filed a complaint and the bank failed to respond to your complaint.

            Regards,
            Credexpert

            1. ATUL says:

              Dear Credexpert,
              I do not understand,How you feel to maintain the CC when you do not have clarity for “Amount to be paid” blindly you can not go and keep making payment even not having any outstanding.. It is very important for bank to inform a customer for their outstanding.If bank keeps sleeping due to their transition work or any other nounsense activity, a customer should not be blamed for same. It looks like you are not able to understand my issue properly.. Do not worry, i know to handle the things. Again I require someone expert advice NOT GENERIC.

      2. I think you should complain to banking ombudsman about it and claim for damages .. but make sure things are as per terms and conditions !

  168. Amit Singla says:

    i registered my complaint to BO on 6/10/12 but till date i did not got any solution please tell me how to proceed further.

    1. You need to be patient .. file a RTI and enquire against it !

  169. Sree Charan says:

    Manish, It is really a eye opening forum, particularly for youngsters..

    I would like share a incident which took place recently, I had switched to a new company, and the day of my joining was stitting with HR and filling all my mandatory forms.

    Then appeared a well dressed marketing agent of a Pvt, Bank (which handles the salary account of the company) for getting my salary account opened. He started talking about his bank and followed by paper work, first he asked me sign in two papers, I did because that was a accout opening form. Then he asked to sign in another sheet without allowing me to read it, Then came to know it was a Credit Card, for which I got wild and asked him what is it, he gave a reply Sir, Its a free a credit card for all the employees of this company, I asked:- Does your statement mean that your Bank is doing a charity job, without levying interst on credit cards. Agent Said :- No sir, no annual charges for first year.. This is the way they try to fool the people. I gave him a direct reply if the company says taking this Credit Card is mandatory for joining here, I dont want to join this company, in front of HR..

    Manish:- Request you to start a new forum, To explain the people who to want avail Credit / Liability product about the criticalities involved in it.
    1. What are the cause and effect of obtaining those
    2. What care should be taken before obtaining the same
    3. What kind of monitoring should be done once after obtaining any credit facilities
    4. What is the minimum technical / jargon words should they know about before approaching for any loan, (because this is were most of the ppl get misled).
    and things like this. So that we can on it particulary on this topic.

    With All Good Wishes

    Sree Charan

    1. Thanks for sharing that incident 🙂

  170. COMERICAL VEHICLES SPARES DEALER says:

    Sir,

    I am Arun Sinare manager from CVSD pune having cheque clearing problem for three months that has issued by MARATHWADA AUTO AGENCY-BEEDD towards bank of maharashtra- R K Math on the a/c of CVSD Pune (a/c no.60015766186)

    I also wants interest on my cheque amount that your bank is earning as surplus since three months.
    Sir you know who is responsible this matter but sir most important i having loss my business & facing economic problem to your banking service
    cheque details are-
    1. Ch. No. :440020 AMOUT -20000/- DEPOSITED PADMAWTI BRANCH DATE 17 NOV 2012
    2. Ch. No. :440021 AMOUT -20000/- DEPOSITED PADMAWTI BRANCH DATE 23 NOV 2012
    3. Ch. No. :440022 AMOUT -15467/- DEPOSITED PADMAWTI BRANCH DATE 29 NOV 2012
    All cheque are sangli urban co op bank ltd

    Regards-
    Arun Sinare
    Manager for
    CVSD pune.

    1. You should be complaining to banking ombudsman on this

  171. Hi,
    I don’t know if this is the right place. I wish to complain about my bank ICICI. I am unable to make any transactions online and this is ongoing since past 3 months now, with no resolution to it. Went to the bank and they say it is not blocked. Called the contact center and they say will take some time no specific SLA or follow up for the same. I am fed up of this. I miss so many offers online due to this.
    Can someone help to get a resolution from them?

    Regards,
    Asif

    1. Your best bet now is grivience cell of ICICI and then Banking Ombudsman and then consumer court !

  172. g.dinesh says:

    I foreclosed my 2 nos personal loans of HDFC Bank and 1 no personal loan of Fullerton on April 2012 when closing my loan account i paid late payment charge and Bounds charges due to delay of EMI payment and i got NOC from the banks for closing of my account.
    Now Dec 2013 I apply for new Personal loan in HDFC bank my loan was rejected due to my previous loan track , and i apply in ICICI bank they also reply me your previous PL track is in DPD .
    They inform me your previous loan DPD is reflecting in CIBIL report , Untill removing my previous loan record from CIBIL , i cannot get any loan in future , so please reply what to do for this problem

    1. Dear Dinesh,

      The late payments will be reflected on your credit report and as this loan is closed there is not much that can be done to remove these late payments from your credit report.

      Personal loans are unsecured loans and lenders are more cautious in approving the same. What is your score? Do you have any other loans / credit cards? If yes then, repay them regularly for a gradual increase in your score.

      Regards,
      Credexpert

    2. Your DPD is messed up as you were irregular in payemtns, it will get cleared only after few years , read – https://www.jagoinvestor.com/2013/01/days-past-due-dpd-meaning-cibil-report.html

  173. Suraj says:

    sorry , by mistake i put my calling name Suraj. I get posted twice. sorry for that

  174. Suraj says:

    Hello Everyone,

    I read through all above discussions. I had a similar case which was discussed here by “Neil” and “Abhay Prasad”.

    Same thing happened with me. I have account with ICICI. In 2012, March I got three messages saying my account is debited with 27000/- Rs. I was shocked, accessed my account and found there were three transactions happened, out of that first two were reversed and third transaction actually debited the amount.

    I went told this to ICICI and local police station. I did continue follow-up with bank and police but Hussssss!!! Nothing helped.

    ICICI customer care first told me that this transaction is happened in Russia and someone did card swipe. Then they come up with new story that this has happened via internet banking and now they are saying that they cannot refund money as this transaction is happened via 3D secure Pin.

    I don’t know what 3D secure pin is and never received any such pin from bank. I never do online purchase except irctc ticket booking (which is also very rare)
    Now I am so much frustrated that I get angry even when I see/hear “ICICI” word.
    Could you guys please advise me what to do next?

    1. BEtter ask for complete explaination from ICICI and then complain to banking ombudsman on this. Ask ICICI what is the procedure they follow to prove that how the transaction took place !

      1. Suraj says:

        Hi Manish,

        Thanks for your quick reply. I enquired about detail procedure for investigation to ICICI. However I am still waiting for reply(Will get it in couple of days, they promised me so). I am pasting here a reply from icici senior manager which I have with me.

        Could you please have a look.
        ———————————————————————-

        It is unfortunate that, despite our good intentions, you have had to undergo inconvenience /discomfiture. We regret the inconvenience caused.

        We have re-looked into the concerns raised by you. We would like to inform you that the dispute / chargeback can be raised against the Point of Sale (POS) transaction as guided by the regulatory. Further, as per VISA guidelines, chargeback does not apply to Secure Electronic Commerce Transaction i.e. online transaction which are authenticated through 3D secured PIN.

        We state that the above transaction has undergone a 3D Secure authentication, which is a second level authentication specifically built in for online transactions done through Merchant Websites. It may be noted that, apart from the Card Verification Value (CVV) & Expiry date on your Credit Card, your personal 06 digit 3D Secure PIN was also required for effecting the said transaction. The 3D Secure PIN is purely personal and privy to the customer and would not be known to anybody, unless compromised otherwise. The Card holder is responsible for the security of his/her Card along with his/her personal 3D Secure PIN and should therefore take all possible steps towards ensuring the safe-keeping thereof. The Bank does not incur any financial liability arising out of the misuse thereof by unauthorized persons.

        We confirm that the said transaction was qualified by information strictly personal to you. The Bank is therefore precluded as per industry guidelines to repudiate the transaction with the Merchant on the basis of your dispute. Based on the above facts, we would to inform you that the disputed transactions for Rs.27000 is released in Bank’s favor as transactions were second level authenticated with 3D Secure PIN.

        Thanks

        1. ok , looks like your Secure ID (6 digits) was compromised .. so its a ONLINE transaction .. Did you ever use the card on any website which was not secure ?

          1. Suraj says:

            I only used it for IRCTC ticket booking, Never else. in addition, I always ensure certificates and HTTPS in address.

            I asked them to provide me IP address from where transaction was initiated. but they said we cant provide you such information.

            1. I think you should move to banking ombudsman on this

  175. sahid hussain says:

    Dear All,

    my self sahid Hussain i have taken personal loan from GE financial services loan amount of Rs 21500 and clear some EMIs and i have some financial problem im unable to pay the EMIs and immidiately i contact to GE people and told them please take your amount and close the loan account they are giving me settlement letter and NOC letter and mention clearly loan amount fully paid no dues are pending and close my account. now i want to join in a private sector bank they are saying me your name was in CIBIL please clear it first then only we can give you offer letter.so immidiately i call to GE people please remove my name from CIBIL now Ge customer executive saying me we can do anything because your account is settle so we cant help you to remove your name from CIBIL and moreover i told them please take your amount if anything is pending from my side they are saying no we are not take amount from you its already your account is closed so please help me out how can i remove my name from CIBIL they are not giving me any alternate im ready to pay if any balance amount is there they are not listening my word and not removing my name from cibil.please help me

    Regards
    Sahid Hussain

    1. Sahid

      Your name is in CIBIL does not mena that you are defaulter .. It might happen that your score is less or it might be the DPD section which is messed up .. can you send me your cibil report , let me have a look .

      Manish

      1. sahid hussain says:

        Dear Sir,

        How can i attach my CIBIL report please confirm me sir do you have any mail id which i can attach my CIBIL report sir.

        Regards
        Sahid Hussain

    2. Dear Mr. Hussain,

      The credit policies of certain lenders do not allow them to accept the payment towards an account which is already settled – GE 炉石传说电竞 Services seems to be one of them.

      Although, one possible alternative for your new job is that you can show your communications made to GE 炉石传说电竞 services stating your willingness to pay the outstanding amount. This could help you to some extent.

      Regards,
      Credexpert

  176. Bala Krishna says:

    Hi,
    I am Balakrishna. I have taken EUR world money card from Citi bank. They have entered my name wrong on the card while taking card. I have not noticed that.
    Recently, I have requested the Citi bank to send a draft in INR for rest of the Euros in my card.They have sent me a draft with the wrong name. Later I noticed that point, I have sent the original draft back to Citi bank to issue a fresh draft with the updated name and also attached some proofs to change my name correctly.
    Citi bank officials changed my name on the card finally and they have not issued a fresh draft with the changed name. I have been asking banking executives for last 20 days. They say they can send draft in 3 days.But they din’t do it. When ever I call they say again 3 days. But no use.I keep on following them from past 2 weeks. No use.
    What should I do regarding this? Please help me here.

    1. Complain to banking ombudsman on this and consumer court now

    2. Dear Mr. Bala Krishna,

      As you have already written to the bank we would suggest you to wait for a period of 30 days. Post that period you can lodge a complaint with Banking Ombudsman.

      Please visit this link http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159
      to know more about the Banking Ombudsman Scheme 2006, the grounds of complaint and Complaint form.

      Regards,
      Credexpert

  177. Rahul Jain says:

    Hi Can you help me in respect of the below letter i wrote to Standard Chartered Bank:
    ________________

    I, Rahul Jain, was holding a credit card with Standard Chartered Bank. I had cancelled the credit card and at the time of cancellation the card had a credit balance of Rs. 4,544.57. After repeated request for months, the credit balance was processed and a cheque/ demand draft was sent to me.

    The cheque/ demand draft was collected by my office security but they misplaced the courier and it is still not traceable. Therefore, because of negligence on part of my office security, I have still not the cheque/ demand draft.

    I wrote my first e-mail to card.services@sc.com on 27 December 2012 requesting them to issue necessary instruction to stop the payment of the cheque/ demand draft so that it does not go into wrong hands. I also requested in the e-mail to issue me a new cheque/ demand draft or to directly deposit the amount into my bank account (details of which was also shared). After this e-mail also, I have written a number of e-mails to have the status update.

    In spite of writing repeated e-mails, I have not got any response to my request. I am highly disappointed with the quality of service your team provides. Especially, their answers are far away from the question raised. Either they don’t understand English or they don’t want to understand customer’s problem.

    I have even sent a fax also to the relevant department but even they did not bother to respond to it.

    My clear requests to you are as follows:

    1. Please issue necessary instructions to stop the payment of cheque/ demand draft already issued; and

    2. Issue me a new cheque/ demand draft for that amount. Alternatively, I would prefer to have the amount directly credited to my bank account. Let me know if you want me to share the bank account details.

    I hope that my request will be taken care of by you this time.

    1. You just need to move next to consumer court .. what else you can do if bank is not responding .. try to complain to banking ombudsman first

  178. varsha gandhi says:

    Can anyone plz give online email address of ombudsman bank as well as grevience forum of dena bank where i can complain against the bank?
    Thanks in advance.

    1. Dear Varsha,

      You can lodge your complaint by visiting this link http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159 .

      Also, first lodge your complaint with the bank, as one can file a complaint before the Banking Ombudsman if the reply is not received from the bank within a period of one month after the bank concerned has received one’s representation, or the bank rejects the complaint, or if the complainant is not satisfied with the reply given by the bank.

      About Dena Bank’s Grievance Redressal Cell, it would be available on their website http://www.denabank.com/index.jsp?lang=0&id=0

      Regards,
      Credexpert

  179. Harshad Patel says:

    I am Axis bank Saving account holder. Last 2nd December, 2012,I visited ATM center (ATM ID:S1AC4488) where I made two transaction of Rs. 500.00 and 2000.00 without Inserting any PIN and amount which is essential for any bank transaction. How it’s possible? What is the security of my ATM card and saving account? Anybody can withdraw money from my account.
    I had made complain on Axis bank portal regarding this within two days of my transaction, till I have not got any response.
    Can you assist me for further step.

    Thanking You

    Harshad

    1. You mean you inserted the ATM and then were able to take back money without entering PIN .. thats scary ! ..

  180. mayank says:

    How much time does Banking Ombudsman takes after I file the complain? Its almost 2 weeks i have filed complain with Banking Ombudsman but i have not received any response from them.

    1. Mayank

      How did you file the complain ? Offline or online ? And as its a “sarkari” thing, I think you need to raise your tolerance level here .. it takes months and months to get any reply and justice ! , better move to consumer court if you are in hurry !

      1. Mayank says:

        Hi Manish, I have filed the complain online on RBI’s website

      2. Dear Mayank,

        Have you lodged a written or online complaint? You will have to wait for 30 days after lodging your complaint. Post 30 days, you can track the status of your complaint on this link http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

        Regards,
        Credexpert

  181. Buchaiah says:

    This article is very informative !! Thanks.

  182. Dear Sir,

    Please go through with my complaint on my blog post.

    http://kalptaru.blogspot.in/2012/12/hsbc-abn-amro-rbs.html
    हमनाम ने ऋण लिया और HSBC & ABN AMRO RBS परेशान कर रही हैं हमें !!

    1. Vivek

      I read your story . I think you should really complain to banking ombudsman on this .

  183. Ravindra says:

    What is the link to complain through ONLINE to the Banking Ombudsman? Your link is not highlighted in the page above.

    1. Dear Ravindra,

      Please go through this link of “The Banking Ombudsman Scheme, 2006” of Reserve Bank of India http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

      This link includes the Complaint Form as well.

      Regards,
      Credexpert

  184. Dear Naresh,

    As long as the bank has specified in writing that the home renovation loan is repaid, there is no need to worry about the verbally communicated information. Also the increase in your EMI from Rs.4,100 to Rs.5,400 is because of the interest rates and nothing can be done about it. However this EMI will be paid only for the next 156 months (i.e. 240 – 84 months repaid) and not for 300 months. There also seems to be some confusion and therefore is difficult for us to comment unless we have a detailed factual account of the series of events and communications.

    About your Banking Ombudsman complaint being disposed off, there are certain grounds of complaint and procedures which have to be followed before a complaint can be filed with the Banking Ombudsman. Please go through this link of “The Banking Ombudsman Scheme 2006” http://rbidocs.rbi.org.in/rdocs/Content/PDFs/67933.pdf which will help you understand the procedures and take the appropriate course of action. It is possible your complaint got rejected on a matter of procedure as required by the Scheme.

    Regards,
    Credexpert

  185. Naresh P says:

    Hello Sir,

    I need your help and guidance. Please help me.
    I had raised a complain with BO against Bank of Maharashtra on 29th Oct 2012. Till 7 December 2012, I was getting a reply from the BO Mumbai office that the Bank is yet to reply. Today Morning I got a mail from BO stating “Complaint No. 201213013002422 got disposed, under Not on the grounds of complaint referred to in clause 8 or otherwise not in accordance with sub clause (3) of clause 9”

    I was not called for representation of my case. Shall I raise the complaint again or go for appeal.

    Let me brief you regarding about my complain. In 2005 I applied for housing loan of Rs 4,36,000 (Takeover from HDFC bank) and a house renovation loan of Rs 2,14,000/-. The total loan amount was Rs 6,50,000/-. In the sanction letter of bank the bank clearly mentioned that there will be two EMI’s, one for Rs 4100/-, 240 months and the other for Rs 3000/-,84 months. However only one loan account was made on the excuse, that the property is one and hence only one mortgage agreement can be made.
    In 2012, I was expecting my renovation loan to be repaid and I paying EMI only Housing loan. But the bank was still deducting Rs 7100/- from my account.
    When approached to bank, the branch manager told me verbally that the two loans have been merged and I need to pay Rs 7100 for 240 months. However in writing they are saying that I have repaid my renovation loan and due to increase in interest rates I have to pay Rs 5400 for 300 months.
    I told them I am ready to with increased interest rate, but when asked for loan account statement, they are giving me a loan statement with balance of Rs 4,58,000/- for a loan of Rs 4,36,000/-. This too when I am paying my EMI on time every month.

    Many Thanks in Advance for sparing your time.

    Regards,
    Naresh

    1. Then file another RTI or just move to consumer court now

  186. Hari says:

    Manish,
    IDBI home loan dept made late process and the builder charged me 1.2L as late payment.
    Bank even not given sanction letter even after four months, now they are saying they had issue with the builder.
    Can I go to ombudsman? what are the evidence that I require for this ?

    Regards,
    Hari

    1. Hari

      First make sure you are clear whose fault is it , if its a bank fault, then you need to go to banking ombudsman , if its a builder fault , you need to move to consumer forum .

      Manish

  187. lakshmipathy says:

    Thanks manish for the awareness from this one.

  188. Shiva Sahu says:

    Hi,

    I have lodged one complaint in Banking ombudsman.But i am not getting the notification for the process going on or whether my request has been accepted by the Banking ombudsman or it got rejected.

    Is there any process for getting notification for any thing..

    Regards,

    Shiva Sahu

    1. Did you do it offline or online ? I suggest also put a request offline!

  189. R. CHITTI BABU says:

    Dear Sir,
    Need your suggestion in regard to ATM transaction.

    With regards

    R.CHITTI BABU

  190. Rajesh says:

    Hi Manish,

    I have taken a Home Loan from HDFC for 20 lakhs. Bank has provided a partial disbursement of 7 lakhs (this is the only disbursement we have got from bank to-date). At the time of first disbursement of 7 lakhs bank had asked us whether we would like to pay the EMI on the entire loan amount (i.e. 20 lakhs) or just on the disbursed amount (i.e. 7 lakhs). We opted for the entire loan amount because they said whatever additional we are paying will be adjusted against our principal loan amount. But this week (i.e 19th Nov 2012) when we asked bank whether it is possible for them to change our EMI from the entire loan amount to disbursed amount (i.e. instead of paying EMI on 20 lakhs can we pay EMI on 7 lakhs which is the total amount disbursed to us till date) for the next 4 months due to financial issues. The manager outright said it cannot be done, but on our persistence he sent a mail to us saying that he will check with his seniors and get back to us.

    I personally feel bank should not be forcing us to pay the EMI on the entire loan amount. Initially we choose the option of paying EMI for the entire loan amount and now when we want to pay EMI only for the disbursed amount we should be provided that option, instead bank is forcing us to continue with the EMI for the entire loan amount.

    I would like to know your opinion on this and can we raise this issue to Banking ombudsman or should we wait till he responds back after checking with his seniors.

    1. Wait for the bank reply and only when you are not satisfied with them , you should go to banking ombudsman !

      1. rakesh pujari says:

        Hi Manish
        Manishji Mujhe Ek Saval Hai,Maine 4 Mahine Pahile Bank OmbudsmanMain Maine Ek Complait Kiya Tha,900/ R.s Ka,Mujhe Paise To Mill Gaye Lekin Uska Kuch Muhavaja Kuch Bhi Nahi Mila. Jab Ki Maine Muhavaje Ke Liye Application Diya Tha,Iss Silsile Main Muhavje Ke Liye Kya Kar Sakte Hai? Aur Kis Se Complait Kar Sakte Hai.

        1. In that case BO might not have felt that you deserve the compensation .

  191. Neil says:

    Hey Manish, Its gr8 you are helping people by your blog….Thumbs up.
    I had a query actually on 31st of Oct some fraudulent Transactions have been done from my Credit Card which was of 1 Lakh Plus Rs,The transactions were done in Favor of a Saudi Arabian Company,. I called Icici Bank but they are now saying that these transactions have been done using your 3D secure Pin so they cannot do a thingand I have to Pay and I am not in a position to pay the amount at all because firstly i have not done thos transactions and moreover i have a Loan running in parallel,So please Guide me how to go about it.Some Queries :-
    1. What to do Now,Can i get my money back from that Saudi Company,If yes then How?
    2. Process of Bank ombudsman Complaint.

    thanks in Advance for such a gr8 Help.

    1. If that trasaction has happened with your passwords, then surely someone has taken that from you or hacked it from your side . What is the bank mistake in this , it mostly is the issue from your side !

    2. Abhay Prasad says:

      Dear Manish,
      I have an identical case to report where three on line fraudulent transactions were done on my credit card involving approx Rs 1.09 lakhs on 30 Oct 2012 (India time approx 1.30 am , 31 Oct 2012) from Riyadh , Saudi Arabia . I reported the case to Customer Care ,ICICI Bank immediately on 31 Oct 2012, the local police station and subsequently lodged my complaint with the Cyber Crime Branch. The Bank’s stereo set piece reply is the same i.e. that two transactions were done using your 3D secure PIN (one transaction was non secure) and the transactions could not have been done without the customer compromising the card details and PIN, hence I have to pay. I have categorically conveyed to the Bank that I have neither used nor authorized any one to use nor compromised my credit card details. My credit card details have been unauthorizedly accessed by unscrupulous persons in the Bank/ hijackers from outside, hence I cannot be asked to pay for the fraudulent transactions. I have also appraised the Bank that it is the Bank’s responsibility to protect the customers data/ personal information and the customer cannot be made responsible for fraud/ theft of credit card details/ hacking.

      I will be happy to know how Neil’s case was resolved and would look forward to advice on the subject to handle the case .I am also submitting my complaint to Banking Ombudsman.

      Regard

      Abhay Prasad

        1. R.Giridhara Gopalan says:

          We have several cases of fradulent transactions on ICICI credit card. I also faced a similar transaction from http://www.rzd.ru in Dec and the same reply came from ICICI that it is 3D secure and like me there are several cases of such transactions at http://www.rzd.ru . I have filed FIR. What do I do now. Bank is not owning responsibility. See the link below

          http://www.livemint.com/Industry/HGO2TndrI88sCYZmALoBpM/Spotlight-on-security-as-credit-card-frauds-soar.html?facet=print

          http://www.livemint.com/Industry/HGO2TndrI88sCYZmALoBpM/Spotlight-on-security-as-credit-card-frauds-soar.html?facet=print .

          also there are cases where banks have compromised on data and data was stolen from the bank. I have read such cases. What is the way out in such cases.

          1. R.Giridhara Gopalan says:

            Pl see this news. Banks employees can also be part of the fraud. What is the remedy for us in such a case. Can RBI Ombudsman help and reverse.

            http://www.hindu.com/2010/09/17/stories/2010091761720300.htm

            1. R.Giridhara Gopalan says:

              Dear MAnish ,
              Can you suggest what can be done to reverse these charges

            2. Yes, first find out from bank if they can reverse the charges, if not, then contact banking ombudsman

            3. Yes banking ombudsman will help in these cases

          2. BEtter complain with banking ombudsman now

    3. sumedh nagrale says:

      So Have you got the money back after complaining to BO.

  192. Amit says:

    Hi Manish,

    Can I make a complaint against transactions made against stolen debit card as well?

    Rgds
    Amit

      1. Amit says:

        Hi Manish,

        My 2 debit cards and 2 credit cards were stolen on the 1st of Nov’12 and used before I could block it. The bank says we cant do anything abt it – specially the debit card as the money has already been debited from my a/c. The bank says Merchant should have checked the signature on the card & the transaction slip – which he didn’t – so the bank cannot be held responsible for it. Can you pls advise me how do I lodge a complaint, against whom, where, when & what all documents will be reqd? What can I do to recover my money? Whom should I approach to lodge the complaint?

        1. In this case , bank should not give the money to the merchant because here only the merchant is to be blamed ! , you should file a case against bank ,stating that they should pay you bank and not merchant !

  193. Raj says:

    I am Raj Ade & holding salary account of HDFC Bank . On the Morning of 18 Oct 2012, I received SMS stating withdrawal of the amount Rs.48640.81.In this regard, I raised the complaint in HDFC Bank. But there is no action.
    So Please I hearty request you help us in this regards.

    1. Now you should reach banking ombudsman

  194. Santhosh says:

    Sir,

    I am getting a call and mail from ABN AMRO bank, saying that i am a defaulter and asked to pay Rs 21,000/ as settlement amount. After some time one person called me and said that he is a advacate representative of said bank and told me to pay Rs 10,000/- as settlement amount. I have requested bank personnel to provide me the details of due amount and date from which it is pending, so that i can verify my records and revert, becos there is nothing due from me on account of credit card issued by the bank. They are not ready to give the details instead they are telling that they will a cheating case and i have to face the same legally. Kindly advice how to go about the same.

    Santhosh mc

    1. Just visit the bank and sort out this matter once . They have to give you the details .

  195. NAGARBHAI NATHABHAI SOLANKI says:

    Sir,

    As per my Baning ombudsman comp.No.201213001000766 dt.28/08/2012 regarding Tds amount not refunded on account of submitted 15 H in time every years my total tds amount is Rs.6135/- against SBI Mehsana Branch no any response by SBI or SBI Mehsana Br, stil today my comp. was 54 day pending so please closed my comp.and refunded my tds amt credited my sb account with sbi mehsana branch.0427

    1. You should now reach to consumer court on this .

  196. Anto Thomas says:

    On 8th October’12, I was trying to withdraw an amount of Rs.15000/- from the ATM attached to the Gokhale Road branch-Thane. During the transaction, though all my credentials such as PIN, Card & all the other commands were accepted, the money was not dispensed off from the ATM, however I got a transaction slip stating that the transaction was successful & subsequently the money was debited from my account. After this, I immediately called up the ICICI call center and reported the same. However after one day, I got a SMS from ICICI stating that the amount cannot be reversed as the transaction was paid completely. I re-raised this complaint again with them and escalated the matter to their nodal officer for a reversal on which they informed me that since there is no excess cash in their ATM box, the transaction cannot be reversed. Now I would like to know that as a genuine customer, what option I have for an appropriate remedy. Please advise.

    1. Anto

      This happens at times . Here bank is not able to trace the transaction . All you can do now is to complain to banking ombudsman on this .

  197. Dhirendra Rathod says:

    Hi Manish,