Bank Service reg
We received a dividend cheque for Rs. 240/, valid upto 04/10/2018. As we were out of station for a while, we deposited the cheque to BOI on 09/10/2018. Subsequently,
We got three SMS messages from BOI. The 1st mentioned Rs. 240/- was credited to our A/c, The 2nd mentioned Rs. 240/- was debited to our A/c and the 3rd mentioned Rs. 295/- was debited to our A/c - all concerned with this cheque.
We got a call from BOI that our cheque was bounced and we could collect the cheque.
We went to the bank to submit an application stating that 1. we made a mistake in depositing a 'stale' cheque and as a service provider, the bank had also responsibility to check the date of validity before presenting it. 2. Charging a penality of Rs 295/ for a cheque of value of Rs. 240/ was beyond any rational and 3. that we were customers for more than 25 years and this was the first time such a mistake happened. In view of these points we requested the reversal of penal charges.
Alas, the manager of the bank was not available and the bank staff refused to accept the application.
Is it not the duty of the staff of bank to accept our application and give an acknowledgement? What penal charges can we levy on the bank for not giving service?
What are the avenues (RBI, Finance Minister etc) at which I can submit the complaint to get redressal of my grievance?
We seek useful inputs in this regard from fellow consumers. more
We got three SMS messages from BOI. The 1st mentioned Rs. 240/- was credited to our A/c, The 2nd mentioned Rs. 240/- was debited to our A/c and the 3rd mentioned Rs. 295/- was debited to our A/c - all concerned with this cheque.
We got a call from BOI that our cheque was bounced and we could collect the cheque.
We went to the bank to submit an application stating that 1. we made a mistake in depositing a 'stale' cheque and as a service provider, the bank had also responsibility to check the date of validity before presenting it. 2. Charging a penality of Rs 295/ for a cheque of value of Rs. 240/ was beyond any rational and 3. that we were customers for more than 25 years and this was the first time such a mistake happened. In view of these points we requested the reversal of penal charges.
Alas, the manager of the bank was not available and the bank staff refused to accept the application.
Is it not the duty of the staff of bank to accept our application and give an acknowledgement? What penal charges can we levy on the bank for not giving service?
What are the avenues (RBI, Finance Minister etc) at which I can submit the complaint to get redressal of my grievance?
We seek useful inputs in this regard from fellow consumers. more
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It is going on like that in almost all PSU banks. I had submitted a number of online complaints to SBI for delay in release of pension for months together and every time got different replies but no relief which seems to be outsourced. After complaints to many higher ups and submitting many times PPO and Life certificate, it was finally released after nine months of delay. Further ICICI Bank is not closing saving bank account of my Late mother and deducting Minimum Balance Charge every month without accepting the request for want of this or that formality. more
Oct 28
Basically for petty services Banks are charging heftily. Just imagine even 1.001% if the Banking customers are charged Rs. 240 Or even Rs. 100 per day, how much Banks are gathering???? At the same time, the scams, frauds and duping NOT ONLY with the HELP OF but active participation, corroborations, and connivance from TOP BRASS to down the stream for years together - well rewarded with Lucrative Promotions, Placements and Perks - never ever brought before the Court as if there is NO RULES & REGULATIONS - if yes, - might be not known to ""Banking Ombudsman", Vigilance (Internal as well as External), Auditors (Internal as well as External) and other governing bodies - Except the exceptions. Over and above the services rendered worst as if the Bank Customers are getting his money as "KHAIRAT". Factually, it is other way around i.e. Banks and Bank Personnel's are only due to its Customers - conveniently forgotten by the Banks. The time come to the extent that soe of the Banks which are taken the leads are going to get striped and the process is well started. Let the present Bank personnel's keep in mind the good example of IDBI and such other Banks who's services are similarly rune in the manner above, are NO MORE Exist and the Bank personnel's thereof. more
Oct 27
I know that the suggestion I am going to make may require allotting time, patience and perseverance to an issue involving a petty amount, but acting on my suggestion may pave the way for not just redressing this omplaint, but improving the service of all Banks. While taking up the matter with the Manager of the Manager may help resolving the issue of this specific complainant, doing so with the Customer Relations/Service Dept. of the Bank’s H.O. may help setting up a system for dealing with such issues in future. Necessary power may be vested in the Head of the relevant Department or at least the Manager of the Branch. Where a customer demands acknowledgement of a letter, the procedure to be followed has to be laid down. If satisfactory response is not forthcoming from the Head Office of the Bank the matter may be taken up with IBA (Indian Banks’ Association) and, in case from IBA too the response is not satisfactory, the matter may be taken up with RBI. more
Oct 19
"Banking Ombudsman" is sheer wast of time. It is open secrete that "Banking Ombudsman" are the persons belonging from Bank to protect the very interest (Wasted also) of the Banks and it's employees. That is why so many scams, frauds, & duping never ever come up and it is the ED & CBI to initiate the actions. The involvements of the Highest Authorities of So many Banks, is a good example to establish that there is exceptionally exceptions, else all are in the same boat. The Past history of the "Banking Ombudsman" also a good example. The clear cut fraud of Rs. 2.15 Lacs of PNB, well supported with Bank documents and Records, wherein complaint was lodged with "Banking Ombudsman" including the Vigilance Dept in the year 2009-10 - never ever got registered. Leave aside the actions. Only remedy obtained was the money Illegally defrauded was returned back (Without any penalty, other action/Interest) after six months. Advisable to opt other options instead of wasting time, efforts and money without any recourse. more
Oct 18
In many occasions, I got relief in case of United Bank, Central Bank of India, ICICI Bank, HDFC Bank etc. when I represented with all needed documents. more
Oct 18
