Are you facing troubles with your bank? Here’s how RBI can help.
As we all know, RBI (Reserve Bank of India) is the central banking institution that controls the monetary policy of the Indian rupee. To understand the functioning of India’s apex banking institution, let’s first take a look at some of its main functions. Here we go:
Banking licence issuer
According to Sec 22 of Banking Regulation Act, before starting operations in India, every bank needs to obtain a licence from RBI.
Monetary authority
To stabilise the exchange rate, attain financial stability, maintain a balance of payment and control inflation, RBI controls the flow of money in the Indian economy.
Currency issuer
In order to maintain and run the currency and credit system, RBI has the authority to issue currency. It also includes keeping a track on the circulation of fake currency throughout the country.
Banker for the government
RBI provides short-term credit to both central and state governments. It also acts as the financial advisor for the government.
Bank’s bank
Banks can get loans issued from RBI. They can also keep their collaterals as security and borrow money in case of a crisis.
Foreign exchange manager
RBI is the custodian of Forex. It administers and enforces the provision of Foreign Exchange Management Act (FEMA), 1999. Additionally, it also buys and sells foreign currency to maintain the exchange rate of Indian rupee v/s foreign currencies.
Additional Reading: RBI Maintains Status Quo
These are just a few of the major roles played by RBI. Apart from these, RBI also looks into consumer complaints. Have you ever been in a situation where you desperately want to lodge a complaint against your bank but have no idea on how to go about it? Whether it’s a nationalised bank or a private sector bank, you can lodge a complaint against them in case you’re dissatisfied with their service.
Have You Heard Of The RBI Banking Ombudsman?
The RBI Banking Ombudsman Scheme was created in 2006 to enable people/customers to file their complaints to resolve banking issues they face. The main objective of this scheme is to enable resolution of complaints relating to certain services rendered by banks and to facilitate the satisfaction or settlement of such complaints.
The Banking Ombudsman is a person appointed by the Reserve Bank of India, who has quasi-judicial (tribunal board which has legal powers) authority.
All commercial banks, regional rural banks, co-operative banks, and public sector and nationalised banks are covered under the Ombudsman scheme. In fact, many popular banks like SBI have set up a dedicated system to address online complaints. Presently, there are 15 banking Ombudsmen who have been appointed with offices, most of which are in the state capitals.
Additional Reading: RBI’s New Relaxed Rules For Opening Bank Accounts!
What Are The Types Of Complaints?
You can approach the RBI Banking Ombudsman to register a complaint under the following categories:
- Non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.
- Non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof.
- Non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof.
- Non-payment or delay in payment of inward remittances.
- Failure to issue or delay in issue of drafts, pay orders or bankers’ cheques.
- Non-adherence to prescribed working hours.
- Failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents.
- Delays, non-credit of proceeds to parties’ accounts, non-payment of deposits or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings, current or other accounts maintained with a bank.
- Complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank-related matters.
- Refusal to open deposit accounts without any valid reason for refusal.
- Levying of charges without adequate prior notice to the customer.
- Non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on ATM/Debit Card operations or Credit Card operations.
- Non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned, but not with regard to its employees).
- Refusal to accept or delay in accepting payment towards taxes, as required by Reserve Bank/Government.
- Refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of Government securities.
- Forced closure of deposit accounts without due notice or without sufficient reason.
- Refusal to close or delay in closing the accounts.
- Non-adherence to the fair practices code as adopted by the bank or non-adherence to the provisions of the Code of Banks Commitments to Customers issued by Banking Codes and Standards Board of India and as adopted by the bank.
- Non-observance of Reserve Bank guidelines on the engagement of recovery agents by banks.
- Any other matter relating to the violation of the directives issued by the Reserve Bank in relation to banking or other services.
- A customer can also lodge a complaint on the following grounds of deficiency in service with respect to loans and advances.
- Non-observance of Reserve Bank Directives on interest rates.
- Delays in sanction, disbursement or non-observance of prescribed time schedule for disposal of loan applications.
- Non-acceptance of application for loans without furnishing valid reasons to the applicant.
- Non-adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank’s Commitment to Customers, as the case may be.
- Non-observance of any other direction or instruction of the Reserve Bank as may be specified by the Reserve Bank for this purpose from time to time.
- The Banking Ombudsman may also deal with such other matter as may be specified by the Reserve Bank from time to time.
Additional Reading: What Exactly Does The RBI Do?
When Can You Approach The Banking Ombudsman?
You can approach the banking ombudsman if:
- You have not received a reply from your bank within one month from the date of receipt of a complaint by the bank OR
- The bank has rejected your complaint OR
- You are not satisfied with bank’s reply
How To File An Online Complaint With The RBI Banking Ombudsman?
In order to file an online complaint with the RBI Ombudsman, follow these steps:
- Log on to the official website and submit the details of your complaint (https://secweb.rbi.org.in/BO/precompltindex.htm)
- Upload the complaint letter explaining the problem
- Upload any supporting documents to support your complaint
- Insert a copy of the original complaint written to the concerned bank
- Also, insert a copy of the response received from the concerned bank
- All these documents need to be uploaded on the website in pdf or .txt format only
You can also refer to this video and learn how to register your complaints online:
What Are The Key Points To Remember?
Here are certain important points which you should keep in mind when you decide to file a complaint with the RBI Banking Ombudsman:
- The present complaint cannot be reported to the banking Ombudsman by either party. In other words, you cannot re-register a complaint if you have received an answer already
- The present complaint has not been settled through the Office of the Banking Ombudsman in any previous proceeding
- The subject matter has not already been decided by any forum/court/arbitrator
- The RBI Banking Ombudsman does not charge any fee for resolving customers’ complaints. The best way forward is to settle things amicably with the bank. After all, banks need their customers and will ensure that they resolve issues, especially if there is a written complaint.
While a Banking Ombudsman will surely help resolve all your problems, we have a bunch of financial products that could help you solve your financial problems as well.
DEAR SIR KYA BANK COIN JAMA KARNE SE MANA KER SAKTI HAI , OR AGAR JAMA NAHI KARTI HAI TO KYA KARE,
THANKS
NUTAN JAIN
497A/1 SETHI NAGAR
UJJAIN
Hi Nutan, You can deposit coins in banks. No banks will refuse. According to the RBI, bank branches should accept coins and exchange them for notes. They should accept coins of all denominations which are legal tender under the Indian Coinage Act, 2011 from any member of public without any restriction and pay the value in notes. Cheers, Team BankBazaar
Hello respected sir / madam
My name is Priyam Yadav I have a personal loan account with HDFC ,
I have a pending emi which is to be paid for 2 months , I did got a call from archana from collection team 90294 56351 I gave them the date of 25 but how ever today on date 9oct one of the agent name Deepak came at my doorstep his number is +91 92233 66557 now when I opened the door he said he is from HDFC I told yes , and he asked for money for loan account , I told him I did talked to archana I gave her date of 25 as I am unemployed and I am facing some personal issue, this guy was very rude he was misbehaving I got tired of explaining then I shut the door then he started banging the door loudly, because of which neighbours got disturb and he tried raising this issue with them , it was very humiliating for me , now in order to get ride of him l told I will pay by 12 but I don’t have any money to pay , it was a really bad experience bank cannot do this , even when I told him that speak to this lady on my phone he said (tu phone leke Aah yaha) , now this is the kinda a tone that non of bank officials uses I need a immediate assistance on this ,
Hi Priyam yadav,
We are so sorry to hear that.
We suggest you go directly to the bank and explain your situation to them. Hopefully, you can negotiate with them and arrive at a date that is reasonable enough for both you and the bank to make this payment.
In the meantime, we suggest that you actively look out for a job to get your finances sorted. We wish you all the best.
Cheers,
Team BankBazaar
Hello sir my self sultanat mere husband me loan liya tha Jeep Compass Ka axis bank Rudrpur Uttarkhand se 2016 mere husband Ka murder 3 may 2018 main ho Gaya hai uske baad main bank gayi ki installment bata de par unholiness Meri help nhn ki uske baad mere inlaws be mujhe ghar se nikal diya Meri car Abhi bhi inlaws ke Wahan khadi hai 7 months ho gaye hai mainne main branch main aaplication bhi send ki hai aur gayi bhi Hun par Meri koi help nhn karta hai mujhe installment Jama karvana chahati Hun aur aur cylinder bhi karna chahati Hun par bank wale koi help nhn karte pls Meri help kare my number is 8278-516820…baki aap baat karege toh main account number aur Sab bata dungi pls help me sir
Hi Sultanat,
We’re sorry to hear of your plight. We suggest you personally speak to the bank and get the matter resolved first. If matters still remain unattended to, take the help of a legal counsel or write to the Banking Ombudsman.
Cheers,
Team BankBazaar
Sir abhi class 10 me pdhti hu school se hi account khulwaya gya tha jo ki PNB ka h aur mere account se kai bar mere jankari ke bgr bdi bdi rkm ka len den ho rha h aur bank me jane pe wha ke staf help krne se mna krte h aur bolte h account bnd kr do sir mujhe kya krna chahiye mera account no:- 3877001700058385 jo ki Buxar bihar ,pin number 802101
Hi Antima kumari,
Sorry to hear this.
If you’re unhappy with the response you receive from the bank on the unauthorised activity in your account, we suggest that you write to the banking ombudsman about it.
All the best.
Cheers,
Team BankBazaar
SIR, MY SELF SUSHMA, IN 05-04-2019 I HAD A FRAUD THROUGH ATM CLONING ,35000 RS HAS BEEN DEBITED THROUGH MY ATM, IN THIS REGARD I HAD A POLICE COMPLAINT IN POLICE STATION , AFTER 01 YEAR I HAD A REPLY FROM PNB BANK THAT THIS IS NOT A CASE OF ATM CLONING , MISTAKE DONE AT CUSTOMER END , SIR WHAT SHOULD I DO TO GET MY MONEY BACK,
Hi Sushma,
Sorry to hear this. Please write to the Banking Ombudsman to get your problem resolved at the earliest. If you still get no response, we’d advise you to get in touch with a lawyer to help you redress this the legal way.
Cheers,
Team BankBazaar
My cash not came my branch in gulbarga macca colony SBH but I was remove the cash Hyderabad Noor Khan Bazar Indian ATM cash not came out show me dekline TEL me what to do
Hi Mohsin Ali Khan,
Don’t panic, your transaction could have been declined due to various reasons.
Firstly, ensure that you have sufficient balance in your account.
Secondly, you need to check if the ATM machine is functional.
Thirdly, call up your bank and check with them as to why your transaction is being declined.
Cheers,
Team BankBazaar
My problem is gone my cash I was remove my cash in Hyderabad Noor Khan Bazar Indian ATM show me dekline my branch in gulbarga macca colony SBH branch how back my cash
Hi Mohsin Ali Khan,
Don’t panic, your transaction could have been declined due to various reasons.
Firstly, ensure that you have sufficient balance in your account.
Secondly, you need to check if the ATM machine is functional.
Thirdly, call up your bank and check with them as to why your transaction was declined.
Cheers,
Team BankBazaar
क्या बैंक का खाता बंद करने के लिए कोई चार्ज लगता है लगता है तो उसका क्या कारण है खासकर SBI बैंक के अंदर
Hi Yash Oza,
Generally banks do not charge for account closures, unless you kept the money with the bank for a really short period of time. We suggest that you check with SBI for the charges.
Cheers,
Team BankBazaar
dear sir,
my saving a/c already present n sbi bank and branch is hallia mirzapur IFSC COD is SBIN005470 and which is opreting since last 4 year for the same meany time requesting for net banking opretion but branch maneger said this of faculties not available in my branch.
So I request you to please provide us net banking feture , I have allready submitted my document in branch .like pen card, adhar card etc.While i have id and passward .Only please allow me a rights for internet banking tranjection from my sbi branch.
Hi JAY AANAND OJHA,
BankBazaar does not facilitate net banking features for any banks. Net banking facilities should be available at SBI, you will have to get your user id and initial password from SBI and then you can use this facility. Try speaking to your bank again.
Cheers,
Team BankBazaar
Dear Sir,
My saving account already present in sbi bank and branch is Cantt branch allahabad . My 14000 balence hold as a line amount since 1st april 2017 and has not yet been released. My saving a/c No. is 30005465550 and IFSC Code is SBIN0003166.
So I request you to release my holded balence as 14000 to my account immediately.
Hi SHARDA PRASAD MAURYA,
You will need to follow up with your bank to get this done. Try talking to them to find out why they are holding your money.
Cheers,
Team BankBazaar
My self love narwani. Mere father ka account bank of india banthra branch me h. Mere father ki 6-4-2017 ko death ho gai. Unke account ki nominee meri mummy h mai unke sath bank gya bank ne mujhe bahut run kraya. Daily vo nai demand rakhte h manager meri baat nhi sunta. Ab vo kah rhe h ki witness ese hone chahiy jinka transactions 100000 ho. Mai ese ki bhi person ko nhi jaanta hu. Mere pass ek bhi money nhi h. Please meri help krey
hi Love narwani,
We are sorry to hear about your situation. We hope it gets resolved soon. The bank will not hand over the money to the nominee in case the account holder is no more. The nominee is only the custodian of the money. They will need the signature of the legal heir. If you are the only child, you can get the money for your mother. In case the bank still refuses, write to the bank headquarters stating the rules. In case you don’t get any favourable response, you can either write to the banking ombudsman or take legal action.
Cheers,
Team BankBazaar
Can i write the complaint on Bajaj Finance to RBI? If yes i need the email id.
Hi kiran,
You can write a complaint to the RBI on any banking or non-banking firms. The Banking Ombudsman is the entity that you should address your complaint to. You can find the email id on the RBI website.
Cheers,
Team BankBazaar
I got this web page from my friend who informed me concerning this
web site and at the moment this time I am visiting this website and reading very informative content
at this time.
Hey there,
We’re glad that you found us. Keep reading our blog for informative articles on personal finance.
Cheers,
Team BankBazaar
Kotak Mahindara Bank — Fraud Transaction from my credit card
1 Review
Pu puru gupta on May 28, 2017 Mark as Resolved
I am purushottam I am holding Kotak Bank account and credit card:
I have get call from bank side on 9th of March 2017 from +91-9627743322, He is asking our OTP, He has already hold the all card details, But I have not share any Information I have raised a dispute on 9th of march #6804654453.I have call to customer care same time for fraud transaction after that blocked the card. Kotak C C told me Lodge FIR and sent me copy in branch.I have provide FIR copy on 20th of March.I have get mail two times your dispute closed also I have called to customer care last 20 day in 10 times but not get proper response and satisfy answer.
Today customer care person called you can communicate to merchant.
Also I have call to payzapp customer care :He is told me if any request from bank side we are lible to provide full details and support ASAP, Payzapp C C support me and he saying regarding your card transaction I have full proof details as details of transaction and if this question ask to me as Kotak Bank or police department or merchant then we will provide the details, He has told me your are not a merchant nor police department and not a bank side.Because bank have legal team for taking action to fraud person and police have authority to know the against your dispute and FIR.
Why closed the request against my dispute bethout providing solution.
Bank why not take necessary legal action against this transaction
Why bank told me go to police and cyber crime police ans communicate to merchant.
Kindly provide details of below points and provide solution.
1 If I have told to C C and provide dispute form and FIR copy of Kotak this is fraud transaction why not take action after blocking the card.
2 If same time dispute raised why not communicate merchant for this transaction for getting details and take necessary action after provide FIR copy.
3 merchant have hold the transaction two to three day.
4 Bank have reserve privilege for asking transaction details and take and charge criminal case.
5 Bank always told me go to police station and crime cell Both are saying we are taking action on lots of amount in laks.
6 I have called to payzzap customer care he told me they have full details about this transaction.
I am too foretasted and disappoint of bank behavior.
Kindly suggest what we should and please refund my amount ASAP.
I had raise a compliant in 9th 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 responded 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 resolve my complaint.
Thanks & Regards
Purushottam Gupta
9811598493
—
Hi Purushottam,
We are sorry to hear this. However, BankBazaar cannot help you get a refund on your bank account as we are not a bank. We suggest that you meet the bank manager of the said bank and speak to him. If he is unable to resolve this then we suggest you get in touch with the ombudsman.
We hope your issue gets resolved at the earliest. Good luck.
Cheers,
Team BankBazaar
I, Noushad V.P, residing in Kerala, India, would like to bring your kind attention that I have submitted old Indian currencies total amount of 51,000/- INR on 13/02/2017 in Reserve bank of India, Chennai having tender receipt No 004904. Since I was abroad at the time of demonetization, i could not exchange the aforesaid amount of old Indian 500 and 1000 old currencies during the period. I was in UAE during the period and i have been submitted all necessary documents and proof that i was not available during the period of demonetization.
I was promised the amount would be credited to my account within 3 months, it has been almost 4 months since then neither my account has been credited with the amount nor have i received any information regarding the same. Kindly advise me the next step I can do it regarding in this matter. I have registered many complaints in RBI but still no reply.
Hi Noushad,
We suggest that you visit the RBI branch where you submitted the currency along with receipt. You could ask them to give you an update regarding the status of your submission. If you don’t get a satisfactory reply, you can write directly to the RBI headquarters. If your amount still hasn’t been credited even after these steps, you can approach the banking ombudsman to get the matter resolved.
Cheers.
Team BankBazaar
Is there any specified turnaround times for the complaints? How do we check the status of our complaints with the Banking Ombudsman?
Hi Ramkishan Sharma,
There is no specific turnaround time, but they should be getting back to you within 30 days of lodging the complaint. You can visit the RBI website to view the status of your complaint.
Cheers,
BankBazaar
I am account holder of Abhyudaya Bank – Kalyan East branch. I had taken loan from bank and ECS deduct from my salary account as I change my job and same convey to Abhyudaya Bank they conveyed me to give a proper written application and transfer ECS to Abhyudaya bank.. I followed same procedure they guide me but due to there careless work my ECS have not been stopped in Kotak bank and due to insufficient fund my ECS rejected. It’s around 600 Rs. bounce charges I have to pay to Kotak Bank.
Abhyudaya Bank – No proper coordination, Mis guiding, carelesa work.
Hi Trupti,
Thanks for getting in touch with us. We’re sorry to hear of your predicament. If you’re not content with the response you have received from the concerned bank, we suggest you write to the banking Ombudsman to get a satisfactory solution. All the very best!!
Cheers,
Team BankBazaar
Hi Rajni Sharma, First, you will need to register a complaint with Bank of Baroda. This should be a written complaint. If you don’t get a satisfactory reply within 30 days, register your complaint with the Banking Ombudsman. You can do so online using the Reserve Bank of India website. Cheers, Team BankBazaar
I had lot of trouble related to one fraud transaction on my credit card. The bank took more than 10 months to resolve this and during this period I was harassed for delayed payments which even affected my CIBIL score.
Now the problem is resolved but can I file complain to get compensation so that banks understand that they have to deal with the complains properly.
Hi Saurabh,
We hear you. You can write to the banking ombudsman, however, they might consider this complaint as something that is already resolved.
All the best.
Cheers,
Team BankBazaar
Sir
i have withdrew money RS 10000 at CANARA BANK ATM MACHINE using my sbi debit card
nd the transaction was successful but i didnt recieve cash although machine counted it…AND the transaction was at 10 am and i got the withdrew sms at 11pm….THE RESPONSE CODE WAS 001
with written as transaction sucessful….
Hi HIMANSHU KR PANDEY,
You can read this article and follow the steps mentioned to get your money.
Cheers,
Team BankBazaar
Sir/ma’am, I have around 20,000 rupees in 10 rupees coins. And now I want to deposit that amount in my bank account. But the problem is they are not accepting that amount but instead they are suggesting to use that in market and spend them…
So please suggest me some ways to deposit that amount.
Hi Debashis Panda,
The 10 rupee coin is considered as a valid currency. The banks should ideally accept this as a deposit. Please speak to the bank manager and if this issue doesn’t get resolved, you can then reach out to the Ombudsman to help you.
All the best.
Cheers,
Team BankBazaar
I am student by profession .I was saves some money in my acvounts for fees but it was withdrwal by frudster cyber crime without gaving my atm card and pin no to any other person.I have a saving ac in canara bank bel balbhadrapur 246149 kotdwar uttrakhand ac no 2933108003803 from this ac rs 10,000 is withdrwal fraud on prevoius date 26/06/16. I also not receive msg alert of this transaction. I know it when I withdrawl amount my self on 04/07/16 after transaction I see direct 10,000 less then next day 05/07/16 I go to branch and entry passbook but it cames unknow entry of 10,000 to me I say it to manager I not withdrawl this amount and not gave my atm card and pin no to to any other they say write application I do but my two months rounds continue to bank they do nothing. At last they say go to police I also complaints to police but nothing do any not bank not police.one year going on I do all possibilities as I possible I also waste my extra money but nothing progress.wrost bank service of canara bank bel branch how posdible to digital india in this ciber crimes no ones takes responsibilties not bank s not police so ciber crime is increases I wants that I not get my amounts but the ciber criminals get catched that they not do again that fraudster ti any others poor citigens.please look into my case
Hi Anoop singh,
We are so sorry to hear about this incident and we wish we could help you out here. In your case, if you are certain that this is a case of fraud, you could do the following:
– Since you already have lodged a police complaint, you must keep the copy of that complaint along with all other details/responses that you received from the bank with regards to this transaction.
– Reach out to the RBI Banking Ombudsman and explain the issue in detail with all proof that you have of this case.
The banking Ombudsman should get back to you and give you a satisfactory response.
We hope this gets sorted out soon. All the best.
Cheers,
Team BankBazaar
मेरा बेन्क एकाउन्ट सेन्ट्रल बेन्क ओफ इन्डीया और बेन्क ओफ बरोडा सुरत गुजरात मे है और बेन्क एकाउन्ट में मैने बेन्क ओफ बरोडा मे मेरे तीन एकाउन्ट में मै नै मेरा
एक मोबाइल नं.दीया है परंतु सेन्ट्रल बेन्क ओफ इन्डीया मेरे तीन एकाउन्ट मे अलग
अलग-अलग नंबर मांग रहे है साहब लोग कह रहे है कि कम्प्युटर एक्सेप नहीं करता हे
दोनो बेन्क आर.बी.आइ.के अंडर में हे तब एसा कानुन क्यु ??? मुझे एक ओर सीम कार्ड
लेना पडा है.
Hi Harish Kaji,
Some banks allow customers to have multiple accounts in the same bank with the same mobile number. The customer, however, will have only one customer ID. Those banks which don’t have the concept of customer ID might require you to provide a different mobile number for each account. You can choose to open accounts with a bank that offers the customer ID facility.
Cheers,
Team BankBazaar
Sir mare account se 200000 rs nikal liye hai kise ne delhi se atm card se or card mare pass hi ghar par tha bank wale bhi koi jawab nhi de rahi hai 1 month se jada ho gaya kuch nhi hua …mera a/c no 10173224702 sbi sector 1 b.h.e.l haridwar main hai
Hi Narender kumar yadav,
If you suspect that this transaction is not your own and is some kind of a fraudulent activity, you can get in touch with the Banking Ombudsman to look into this.
All the best.
Cheers,
Team BankBazaar
dear sir,
mere ICICI bank account se 13000/ deduct huwe the 1st july 2017 ko jab ki maene koi transction nhi kiya tha or uske aginst maene complaint bhi kiya tha bt ICICI bank ye nhi man rhi hai ki o transaction maene nhi kiya…
so please help me.
Hi shailesh kushwaha,
If you think this is a fraudulent transaction and that your bank isn’t helping you on this, you can reach out to the banking ombudsman to raise a complaint.
All the best.
Cheers,
Team BankBazaar
I had issued a cheque to my Society and the same has sent for clearing through Lakshmi Vilas Bank, The Banker has wrongly presented twice for clearing to Corporation Bank instead of Canara Bank, My cheque has returned by a reason ” Wrong Delivery”. I had written a letter to LVBank for proper reason, no replay is received so far. I had returned a letter to RBI – Banagalore along with all documents but no replay is received. Kindly advice me can I Write my complaint to ombudsman , if yes give me the address.
Hi SATYA NARAYANA HR,
You can defintely write to the Banking Ombudsman regarding your issue if you haven’t received a satisfactory response from the bank. Here’s how you can do it:
Log on to the official website and submit the details of your complaint (https://secweb.rbi.org.in/BO/precompltindex.htm)
Upload the complaint letter explaining the problem
Upload any supporting documents to support your complaint
Insert copy of the original complaint written to the concerned bank
Also insert copy of the response received from the concerned bank
All these documents need to be uploaded on the website in pdf or .txt format only
Good luck.
Cheers,
Team BankBazaar
Account Debit 10000 rs. My Account ICICI Bank
Note:- One week Complete But Not Response Me, ICICI Bank, Plz Imedeatly Action This Complaint
SR480507662
Note:- Plz I Requested You Solve My Problem As Soon as Possible, Complaint Already Rased 03 July 2017,
Dear Sir,
My Saving Account No:- 004601539285, My Self- Dinesh Chandra, My D.O. Birth, 06th May 1987
My Mother Name is:- Smt Nandi Devi
Hi Dinesh Chandra,
You can write to the Banking Ombudsman if you haven’t received a satisfactory response from the bank. Here’s how to do it:
Log on to the official website and submit the details of your complaint (https://secweb.rbi.org.in/BO/precompltindex.htm)
Upload the complaint letter explaining the problem
Upload any supporting documents to support your complaint
Insert copy of the original complaint written to the concerned bank
Also insert copy of the response received from the concerned bank
All these documents need to be uploaded on the website in pdf or .txt format only
Cheers,
Team BankBazaar
Today, 15th July at 11.30 am i approached your Kurla Depot, Kanakiya Branch to deposit VAT Challan and Cheque, which i have been doing since last few years. But today suddenly your manager refused to accept this last Vat Cheque and from 21st July GST is introduced and I may not fall within the limit of libility to be registered under GST, so may not need to any net banking online registration.
Above incident is reported by me via twitter to Finance minster of Maharashtra and Secretory of Maharashtra govt.
@SMungantiwar SBI kurla depot branch refuse 2 give in writing non acceptance of VÀT cheque of non customer, which was accepted up till now.
Jitendra on Twitter
“@SMungantiwar SBI kurla depot branch refuse 2 give in writting non acceptance of VÀT cheque of non customer, which was accepted uptil now.”
TWITTER.COM
Take a look at @Jitendr47183080’s Tweet: @MaharashtraSEC SBI kurla depot branch refuse 2 give in writting non acceptance of VÀT cheque of non customer, which was accepted up till now.
All these years this branch of SBI which was earlier at Kamani and since 2 months shifted to Kurla Depot Kanakiya building, was accepting VAT cheque challan. Now last VAT challan is to be paid for last quarter under VAT ending on 30th June by 21st July but suddenly this branch has stopped accepting VAT challan for this last quarter from non customers, asking them to pay online.
It is to be noted that liability to be registered under VAT was turnover of 10 Lakhs and now in GST many such traders/manufacturers/distributors whose turnover is below 20 lakhs whould be out of ambit of GST. So why such traders r forced to go for net banking online system just for paying one last challan under VAT.
Please cover this issue to expose highhanded attitude of Bank in harrassing customers.
It
Hi Gupta,
We’re sorry to hear about this. If you are unable to sort this issue out with your local branch, try writing to the head office of the bank. If they are unable to help you, you can write to the RBI Banking Ombudsman. Here’s how you can go about it.
Log on to the official website and submit the details of your complaint (https://secweb.rbi.org.in/BO/precompltindex.htm)
Upload the complaint letter explaining the problem
Upload any supporting documents to support your complaint
Insert copy of the original complaint written to the concerned bank
Also insert copy of the response received from the concerned bank
All these documents need to be uploaded on the website in pdf or .txt format only
We hope your problem is resolved as soon as possible.
Cheers,
Team BankBazaar
My chequees from state bank of patiala dishonored from month 2nd June, 6th June , 3rd July,7th July and 14th July. I gave these cheques in favour of Bajaj Finserv. Nobody tell the reason of dishonored my cheques . every dishonored cheques charges deducted by bank 590/- rs. each. I complained to bank for this but they told they don’t know about reason. Bajaj finserv told they don’t know. Please solve my problem as soon as possible . I am very depressed from bank branch in which I have an account. They close my online complaints without solve my problem . Complaint id 3179641657 & 3177232555.Please credit my dishonored cheques charges which were deducted without any reason. Thanks .
My account no. 65007275942
Hi Pratibha Sharma,
We’re sorry to hear about this. Your bank should give you a reason for the dishonouring of your cheques. If you are unable to get a suitable response from your branch, try writing to the head branch. If this does not work, you can get in touch with the Banking Ombudsman to help you get more clarity on this matter.
If you are unhappy with the services of your bank, you can open an account with another bank. Click on this link for more details.
All the best!
Cheers,
Team BankBazaar
My name is sunil singh account no 31587463743 in sbi rabupura IFSC SBIN1500105 issue of my 99000 rs drop in my this account please return my amount
Hi sunil singh,
Sorry to hear about this. However, we (BankBazaar) are not a Bank. Please get in touch with SBI if you think there has been a wrong debit to your account. They should be able to help you. If you aren’t satisfied with their response, then, you can reach out to the RBI Banking Ombudsman.
Wish you good luck.
Cheers,
Team BankBazaar
Complaint Id: 1707020954 On 28/5/17 time 12:18 pm I use HDFC bank atm for withdrawing 2000rs from my axis bank account but the transaction was failed and receipt comes from ATM in receipt there is clearly mention that transaction declined (I have attached the screenshot of receipt with this mail) so I just split the receipt and discard but when I received the message from my account and it says your account 790542 is debited INR 2000 on 28-07-2017 12:18 pm then I paste the receipt and keep it with me for further reference. Axis bank customer care says that “As per the confirmation received from concern team we had raised pre-arb still the other bank has rejected our dispute so the case is closed from their end.”
Hi Abhishek,
Kindly raise the issue to the bank manager or nodal officer. In case, your issue still doesn’t get resolved, kindly write to the banking ombudsman.
Cheers,
Team BankBazaar
Hi sir mera karad urban co operative bank ltd .karad me account hai usme bank average balance hai fir bhi bank wale baar baar charge s laga rahe hai or koi jawab bhi nahi dete plz tell mi
Hi Adhik Salunkhe,
If you think the bank isn’t giving you a satisfactory response on the debits, we suggest you first file a complaint with the bank manager and if you still unhappy then you could write to the banking ombudsman.
Cheers,
Team BankBazaar
Hello Sir,
I am Suresh Reddy, My salary account in Axis Bank with A/c number 916010007251891 which is branched at Tarnaka and located in Hyderabad.
My salary is deposit in my account on 13 June 2017 Rs 13,195/- and I cash withdraw 4000/- of IOB ATM machine at Madinaguda, which is branch of Miyapur on 13 June 2017 at evening time of near to 8pm, but ATM machine is Jump and I did not get the payment. But the payment was deducted from my account. I complained in the bank and costumer care many time, but they did not give me any response. Sir now 45 days are past and I have been upset by visiting the bank again and again. Please solve/ rectify this problem and please give me my amount after all the checks and revert back.
Thanks you sir.
Yours Sincerely,
Vanamareddy Suresh Reddy,
A/c No: 916010007251891
Mobile: 9966848312
Mail: vanamareddysuresh@gmail.com
Hi Suresh Reddy, We’re really sorry about this incident. Sometimes, due to a technical error, these things happen. Here is a detailed blog post on what you can do next – ATM Didn’t Dispense Cash? Account Debited? Do This. If you think this matter isn’t getting resolved despite your repetitive attempts with the bank, you must write to the banking ombudsman to get a satisfactory response. All the best. Cheers, Team BankBazaar
I AM SANDIP KUMAR BERA,ME APPLY TO THE RESERVE BANK OF INDIA OMBUDSMAN ONLINE APPLY.BUT TWO PRINT OUT RECIVED.BUT WHAT PRINT OUT TWO DOCOMENT SUBMITED RBI.PLZ TEL ME.HELP ME
Hi SANDIP KUMAR BERA, This process does take some time. You will be given a turnaround time for your complaint. Please check the printout for the time allotted to resolve your query. All the best. Cheers, Team BankBazaar
Dear
Sir/madam
Sir mera Account Hdfc ka jo ki sallri ka ji mene 03-06-2017 ko paise nikale P.n.b ke Atm se jo [Rd Public School Tappla Aligarh Utter-Predesh Pin No 202141] hea Withrollwal Time 10;28 Am ka sir machin nea kisi bhi tarh ki activite nahi ki or mere Accuont se balence kat chuka jab mean bank balo se bola to bolte hea 24 ghento mea ajayga lakin Sir sari formalti kar ke dekh li bo loug mera peasa nahi de rahe Sir comp bhi barbar ki 7 day working bas itana bol dete hea ji Sir please mera balence bapas karne ki gujjaris aap se mera account no 50100155006547 Ifsc code HDFC0000044 counsmer care comp no 351000
Hi Pradeep, Only your bank can help you with this. If you think they are not responding properly, kindly get the help of your banking ombudsman. Cheers, Team BankBazaar
Dear Sir,
Mera bank is mamle me koi bhi reaction nahi le raha hai. jub bhi unko call ya complain krta hu to wo date de dete hai lekin sir koi bhi is mamle ko sahi nahi kr pa raha hai .
PNB bank ATM jisme se maine paisa Withdraw kiya tha Jiska PNB bank wale CCTV Footage bhi nahi dikha rahe hai or na hi de rahe hai. Jisse ye sabit ho sake ki maine paisa nikala hai ya nahi.
Sir,
apse niwedan hai ki aap isme meri madat kare.
mai apka sada abhari rahunga.
Pradeep Kumar.
Hi Pradeep, We kindly request you to approach your banking ombudsman with the complaint. Cheers, Team BankBazaar
Dear /Sir
mera bank koi bhi help karne ko agree nahi hea is karan meane aap ko requset bhaji thi aur aap bhi maana kar rahe ho aap hi sochu hum jease loge khaha se help le ji jo mera peasa mujhe mil sake
Hi Pradeep,
We’re extremely sorry about this. Unfortunately, we won’t be able to help you in getting your money back. We can only give you advice on what can be done. And as mentioned before, you’ll need to get in touch with RBI’s banking ombudsman and register your complaint. Hope you get your money back at the earliest.
Cheers,
Team BankBazaar
Sir. Mujhe apna khata khulwana hai iske liye mujhe kya karna chahiee
Hi Nitesh,
Kindly get in touch with any bank of your choice and follow their procedure.
Cheers,
Team BankBazaar
Dear Bank Bazar Team,
I want to change my name to “SUNITA” from “SUNITA BHANDARI” as mentioned in my SBI Bank account, but the branch manger refuses..Even after showing valid PAN a nd AADHAR. What should I do? Please Guide .
Hi Sunita,
You can request a name change if you’re married, divorced or have changed your name after notifying the same in the Gazette. All you need to do is submit the appropriate documents along with a request to change your name in your bank account details. If your branch manager refuses, write to the headquarters of the bank.
Cheers,
Team BankBazaar
My account was opend under jan dhan account suddenly my bank changed it to normal account without my information now they are charging me for not maintaining my minimum account balance
They even refused to open a new jan dhan account
Hi Sidharth kumar,
Have you raised this concern with the manager of the bank? You can escalate this matter and wait for a response from your bank. However, in case you don’t receive a satisfactory reply from them, we suggest you take this up with the Banking Ombudsman.
Cheers,
Team BankBazaar
Dear Bank Bazaar team,
My money got withdrawn (stolen) by ATM card cloning. It was 80,000/- rupees withdrawn at ATM of another city. I have lodged written complaint to SBI. Also filed FIR. It is now 1 month, but no action is taken by Bank. I have lost confidence in e-transactions, POS terminals and even net banking.
Bank manager verbally told that your card may have been cloned in some POS terminal. If bank cannot provide safe custody of my money, then what can they expect from customers? It is the Bank’s responsibility to provide secure technology. And if they cannot do so, then they should take care of their customer’s money.
What is the guideline for the refund in such cases. Please let me know the chances of refund. Thanks
Hi M M Waris,
We’re so sorry to hear this.Unfortunately instances of fraud are on the rise and sadly neither the banks nor other financial institutuions have come up with a fool-proof plan to secure this technlogy. In your case, since you have already lodged an FIR and submitted a written complaint to the bank, we request you to follow up with them and get a timeline on when they will be able to look into this matter. Usually, banks do take a while to investigate fradulent cases and it is only fair that we give them ample time to look into the matter.
However, if you’re not satisfied with their response and want to take it up with the Banking Ombudsman, you can get in touch with them directly. They should be able to expediate the process with your bank’s branch. Chip Credit Cards and Debit Cards are generally more secure than magnetic stripe cards. If you want to get one, click here.
We wish you all the best.
Cheers,
Team BankBazaar
R/SIR I AM CUSTUMER OF SBBJ LAST FIFTEEN YEAR ,ON 22ND AUG2017 I WENT SBI BANK PD CHOWK TO TAKE PAYMENTS OF SELF CHEQUE BUT BRANCH CASHIER & MANAGER NOT WITHDRAW PAYMENTS & MISSBEHAVE ALSO THANKS ASHOK CHHABRA 9414503609
Hi ashok chhabra,
We’re sorry to hear that. Did they give you a reason for not honoring that payment? If you think their reason wasn’t valid then you can reach out to the banking ombudsman to sort it out.
Cheers,
Team BankBazaar
Jai hind bank bazar team.
Mere dadi maa ka dead , 14 years pehle ho chuki , Unki a/c pnb ke a/c me hai, Nominee me mere uncle ka naam hai,, problem yeh hai ki unke pass a/c number nahi hai. woh 14 saal se bank ke chakar kaat rahe hai.bank manger a/c number mangte hai. Or taalta matool kar rahe hai..dadi maa ka dead certificate bhi unke pass hai. Jaankari naa hone ki wajah se unhe bahut problem me hai…or rupayee ki jarurat bhi hai….kripya bataye
kya kiya jaye. Dhanyabaad
Hi ravi,
Please check to see if your grandmother left her chequebook behind, or if any of you or your relatives have made any kind of payment to her account in the past. This way you can reach out to your bank and get the beneficiary details of that payment.
Ideally, your bank should be able to search for her account number via her full name and other details. See if you can speak to someone in the bank who can help you retrieve this information.
If none of these things work, you can send in a written request to your bank with your concern. And if this still isn’t helpful then you can reach out to the Banking Ombudsman.
Cheers,
Team BankBazaar
Dear Sir
My Father Passed away a month back. He had Opened 3 FD. out of three FD , The Nominee is my Mother but in the 3rd FD, Nominee name is missing so the Banks are asking to Produce Legal Heir Certificate. I have a Doubt that the nominee name has been missed by Bank Employees by Opening this FD, Because my mother Confirmed that it was Correctly Filed by my Father on the FD Form. Please Suggest What to Do ??
Regards
Prashant
Hi Prashant Kumar,
You will need to get a legal heir certificate from the district civil court or district registrar office. That should solve your problem.
All the best.
Cheers,
Team BankBazaar
My 3 year old son tore 2000 note and I grafted the pieces of the notes and approached SBI at Chemad , Malappuram Dist in Kerala State to get a new 2000 note. But unfotunately I was informed that no special order has not been issued so far regarding the exchange of mutilated or soiled or tore new 2000/- 500/- notes with fresh notes. So What should I do to get my tore 2000 note get exchenged .
Hi Prabhakaran K,
Seems like there isn’t much you can do about this situation currently. Do follow up with your bank to see if there will be any developments regarding the exchange of soiled/torn notes.
Cheers,
Team BankBazaar
What is the Bank Rules for change curent a/c soleproprietor to partner or soleproprietor to other soleproprietor without change bank account number , because of the a/c number given to many sundry debiters/crediter parties and state/central goverment dapartment, Bank asked closed old a/c and open new a/c. which is very dificults for me so kindly advise me
Hi bharat,
This should be possible. Please speak to your bank regarding the same.
Cheers,
Team BankBazaar
r/sir i torcher by your sbi branch sri vijay nagar distt. sri ganga nagar raj. i went your sbi branch for to take payment of the cheque self amt. 6200, branch cashier & branch manager are missbehave with us & refuse to give payment . please solve my problem. ashok chhabra 09414503609
Hi ashok chhabra, Sorry to hear that. However, please note that we, BankBazaar, are not a Bank. If you’re unsatisfied by the behaviour of the branch manager and cashier at the said SBI branch then you can write to the Banking Ombudsman to help you solve this issue. All the best. Cheers, Team BankBazaar
somebody did unauthorized online transaction from my Axis bank debit card with Rs. 41000/- , what should i do , i visited branch on that day, called customer care, but nobody gave me reference number, so today i wrote complaint to Axis bank branch manager, i was very surprised how anybody can transfer money without OTP..
please help with the concerned division details
regards
Pankaj kalia
Gurdaspur
Punjab
India
Hi PANKAJ KALIA, If you think that this was a fraudulent transaction then you’ve done the right thing by letting your bank know about it. However, if you do not receive a satisfactory response from your bank you can consider getting in touch with the Banking Ombudsman. Cheers, Team BankBazaar
hello sir,
I am from Karnataka in bank only hindi and English language is used in bank even bank candidate will be not knowing local language .my parents know only kannada language .I stay in different city far from parent for study sake .if our parent have any work in bank .I have to come for their help so I kindly request u make kannada language as mandatory for rarul bank .bank employee should know kannada to write and understand .its not problem of mine even many r facing this problem in Karnataka .
Hi Deepa,
We would love to help but due to the specific nature of your question, we will not be able to provide guidance.
Cheers,
Team BankBazaar
hero sir ,
how can I give complaint to nabard and rrb who released notification of 2014 that other state candidate can also apply for bank job who will be not knowing local language .bank is for the sake of people who r staying there .their convinent is main .we r facing so much problem becouse of it .our state candidate not getting job in bank becouse of andra candidate apply in Karnataka .rarul people r facing problem they dont know English and hindi .bank employee will be not knowing kannada .this is situation of Karnataka people .so please help me sir
Hi deepa mutagar,
Unfortunately, we are not the decision-making authority on your query. Please write to the banking ombudsman to receive a response.
Cheers,
Team BankBazaar
hero sir ,
how can I give complaint to nabard and rrb who had released notification of ibps in 2014 that other state candidate can apply for other state .Karnataka candidate r not geeting job in bank .in 2016 only 3 candidate of Karnataka r selected rest r selected from andra padesh .bank employee will not knowing local language .bank is for the sake people who r staying there .y rarul people r facing problem because employee will be not knowing local language .where we have to complaint about this .
Hi deepa mutagar,
Hope we have answered your query. Have a nice day!
Cheers,
Team BankBazaar
To,
The consumer court,
Mumbai;
Subject: Mental harassment complaint against HDFC BANK LTD.
Dear Sir/Madam,
The case regarding mental harassment complaint against HDFC BANK LTD.i have loan and credit from Hdfc bank where in last month due to emergency reason I went to my native place ….
I had not made payment for the loan and credit card last month….but when they (HDFC BANK) contacted me I have conveyed them the msg that once I am in Mumbai I’ll completely pay all ur dues.
After conveying also…they have used foul languages and used to harrase us like anything. My dad has blood pressure problem and he has collapsed twice due to this people.
They mentally tortured us,used foul languages and threatened us also…..
Because of this condition my whole family is in shock state and we also got humiliated in our society because of this.
I just want to ask,this is procesure to behave with your customer….
Kindly help….
Thanks & Regards,
Roshan Behera
Hi,
We are extremely sorry to hear about your situation. Please address your complaint to the banking ombudsman.
Cheers,
Team BankBazaar
I had an account with IndusInd bank, Barakhamba Road , New Delhi Branch . in that a/c cheque was sent by Employees Provident office against my claim. This was unknown to me. Now after getting information about this I contacted bank and they said a/c was closed by them and no payment was received. As per proof provided by PF Office the Bank was already cleared cheque as on 16/3/2012. Bank was refused and not even giving a/c statement for that period. What can do in this matter.
Hi Tulsi,
If you think this matter isn’t getting resolved despite your repetitive attempts with the bank, you should write to the banking ombudsman to get a satisfactory response.
Cheers,
Team BankBazaar
R/SIR I AM REGISRER COMPLAINT CONTINOU FROM MANY DAYS BUT I AM HARRISMENT FROM YOUR SRI VIJAY NAGAR SBI BRANCH CONTINOUS. PLEASE ACCEPT MY REQUEST & LESTION TO ME FOR SETISFACTION . IF YOU NOT LESTION TO ME THEN I SELL GO TO COURT. TO TAKE JUDGEMENT. THANKS ,YOUR FAITHFULLY , ASHOK KUMAR CHHABRA,PRESS REPORTER OF THE PUNJAB KESARI,HOSPITAL ROAD,OPP. STYA NARAYAN MANDIR, SRI VIJAY NAGAR DISTT. SRI GANGA NAGAR,RAJ. MOBILE NO. 09414503609
Hi Ashok Chhabra,
We’re sorry that you feel this way. However, please raise your concern with SBI, as we are not a bank and may not be able to help you out. If you’re unsatisfied with the customer service of SBI then you could seek the help of the banking ombudsman.
All the best.
Cheers,
Team BankBazaar
State Bank Of India
Customer Care
24×7 08910497251 …
Updated Customer Care Assistant
Your Any Complaint Resolution
Share Your Any Complaint & transaction Problem Just Resolve your
Hi rakeni,
Is there anything we can assist you with today?
Cheers,
Team BankBazaar
Sir/Madam, I m resident of BELGAVI karnataka,i had an acc with SBI channamma nagar branch Belgavi-590006
This is my copmlaint ,my aunty had given a cheque Rs 5000/- in the name of POWER TEK SYSTEMS and and party got credited then debited the same amount on 25th of Sept2017 and bankers of the party returned cheque too, were as Rs 57780/- amount is been debited from my acc instead of Rs 5000/-, The party produced the cheque to Vijaya Bank Belgavi, whow shall i get my amount immediately,SBI branch manager said it will recredted to my aunty acc,where as it is almost 10 dys now ,why in delay of recrediting the amount.if in case of our side mistake bankers will immidiately charge the penalty for such things,now will be responsible for the mis transactions, help me out what should i further take next action.
Thank You
Vinayak Annigeri
Belgavi
Hi Vinayak,
Sorry to hear about your situation. In this case you will have to follow up with the bank to get the money reversed. Please check if you can speak to their customer care and get this sorted. All the best.
Cheers,
Team BankBazaar
Hi sir
Sub : cash dispensed in atm but cash deducted in account
Respected sir
I have an issue sir 21st September I went to raichur for important work then I gon to raichur
Nijalingappa SBI ATM I put the card in ATM machine suddenly lights are gon cash is dispensed in atm but amount deducted from my account & still my 20000/- amount will not refunded sir next can a take any legal action about sbi bank or next process..
Hi DASHAVANT,
Did you mean that the ATM did not dispense the cash, but your account got debited? Here’s an article that can help you out.
Hope this helps!
Cheers,
Team BankBazaar
State Bank Of India [SBI] — reset my password
Ra Raj Kumar singh 364215 on Oct 4, 2017
State Bank Of India [SBI] — 08910497251..
SBI Costumer Care no. 08910497251..
Complaint Resolution Centar no. 08910497251..
Any problems sloved call this number … Us On call..
Money was deducted from my account even if when the website stated a failed transaction.
While booking 3 bus tickets from koraput to parlakhemundi on the website indiabus.com the payment gateway was successfully redirected and balance was deducted but my tickets weren’t booked.
756/-INR was deducted from my account via the SBI ANYWHERE APP and my tickets weren’t booked so I request for a quick refund to carry out my work.
Waiting……
Hi Rahul Kumar,
Sorry to hear about your issue. However, please note that BankBazaar is NOT a bank and will not be able to help you out in this scenario. You will have to get in touch with SBI directly to get this issue sorted. If you think you aren’t getting a response from them, then, you can escalate this to the banking ombudsman.
All the best.
Cheers,
Team BankBazaar
Dear Sir,
I have grievances against Yes Bank,Nagpur.The bank returned my cheque of Rs. 1,00,000 inspite of having sufficient balance in the account.When Complained to Head,grievances,Chennai no proper reply is received inspite of several reminders.I wish to complain the same to RBI Ombudsman but RBI website seems not working.I tried several times but unable to open complaint form.Could you please help me ?
Hi Rajesh Lahoti,
Do you think you can send them your complaint via post? Or maybe try logging in a little later to see if their website is working?
All the best!
Cheers,
Team BankBazaar
i have account in axis bank, after demonetization from my account Rs.4500 gt deducted from some other state. i immediately approached the nearest branch and lodged a complaint. they asked me to write an email of the incident and also image of the destroyed ATM card.. i completed all the procedures but its been 10months now the bank are just saying we are doing the followup with our back office department.
please help me how do i get this resolved and get by money back.
Hi Aarti Singh,
We’re so sorry to hear about your situation. We can only imagine how frustrating it must be for you. You can reach out to the banking ombudsman giving him the details of your follow-up and any other document proof that you have shared with Axis bank previously. Hopefully, you will receive a response from them.
All the best!
Cheers,
Team BankBazaar
Dear Sir / Mam
Still Reply awaited .
Reg….
Awdhesh Mishra
From: “awdhesh mishra”
Sent: Tue, 10 Oct 2017 09:55:52
To: ,,,
Cc: ,,
Subject: Fw: ‘HBL=044-262-275’ Web – Bank Account – Account Transaction Related – Transaction in Statement / Bank Account – Enquiry
Dear All
I Awdhesh Kumar Mishra your customer last more then 10year in hdfc bank but due to some current scenario i was job less last few month and i was unable to pay your Cr Card Payment , Due to Financial Problem i was visited to Kolkatta for a Interview and that time i have only my Debit card , but when i reach at Kolkata your Cr Card Department has lock my Account with out any information and two days i beg money because i can not take any help from our friend or relative due to account loss , you can imagine what situation i face , i lost my job , i was depress and our bank has bound me to begging on road .I was calling your CS but not get any response they suggested that only collection Dept can help but your collection dept not picked phone it was disconnected automatically .
on 5th i get call from collection for final settlement they have threat me that it will be go to CIVIL i was agree because i have no any other option but requested them to give EMI and Block my card i will pay slowly by next two three month but not get any positive response .
I want solution 1st
2nd how i logg for defamation because bank defamed me .
You may check my Credibility any old performance but when i lost job and want help why no one is given solution .
Awdhesh Kumar Mishra
Hi Awdhesh, Sorry to hear about your situation. However, we will not be able to provide guidance due to the specific nature of your query. Kindly address your complaint to the banking ombudsman. Cheers, Team BankBazaar
RBI Customer Care Number……+91 79822 61439
Customer Assistance New Updated Number
+91 79822 61439
RBI Custmer head office
Customer Assistance New Updated Number
+91 79822 61439
.
.
Any Complaints Connect 24X7 Huor
Resolve Your Complaint Customer Care
( +91 79822 61439)
( +91 79822 61439)
Any Time Any Were Just Call On Current Customer Assistance
(+91 79822 61439)
(+91 79822 61439)
.
.
.
.
Hi Ameet Kumar,
Thanks for the information.
Cheers,
Team BankBazaar
DEAR SIR
MERA ACCOUNT ICICI BANK ME HAI OR 04.09.2017 KO MERE ACCOUNT SE Rs. 9999/- KA FRAUD HUA JISKE 20 MINUTE KE ANDER MAINE CUSTOMER CARE KO COMPLAINT KIYA OR ATM OR NET BANKING CLOSE KRWA DI OR BANK EXECUTIVE NE KAHA K AAPKE PAISE AA JAYENGE WITH IN 8 WORKING DAYS. FIR BAAD ME KAHA K AAP POLICE COMPLAINT KRO QKI 3D SECURE PIN SE PAISE WITHDRAWAL HUE H JBKI MERE PASS NA KOI OTP AAYA NA HI MAINE KISISE SE ATM SHARE KIYA OR BANK NE BILKUL MNA KR DIYA H K YE MERI RESPONSIBILITY HAI NA KI BANK KI
PLEASE SUGGEST ME FOR FURTHER ACTIVITY.
Hi RAKESH KUMAR,
That is very unfortunate and we understand your plight. You can either follow up with your bank to get an approximate date with regards to when your funds will get credited back to your account. If you do not get a satisfactory response from them, we suggest you take this up with the banking ombudsman.
All the best.
Cheers,
Team BankBazaar
sbi online custamer care
complen any problem customer service helpline no.7043105049
Hi rakesh Kumar,
Is there anything we can help you with today?
Cheers,
Team BankBazaar
Dear sir/madam,
The applicant’s old account number 207700101030237 and the new account number is 520101206457959! The applicant had only collected 6000 and 200 rupees on 11/09/2017! And if he went to the bank, then cut the first 10000 and deposited it back in the account and again on 19/09/2017 Please help the petitioner for deduction of Rs. 10,000.
Hi MUKESH Kumar Bhardwaj,
We are unable to understand your query. Are you referring to a deduction that your bank has made in the amount of Rs. 10,000? Please clarify.
Cheers,
Team BankBazaar
SIR/MADAM MAINE 11/07/2017 KO KHURJA BULANDSHAHR SBI ATM SE EK BAR 10000rs, DURSI BAR 20000rs NIKALE BUT WO NHI NIKLE OR ACCOUNT SE 30000rs BALANCE DEDUCT HO GYA. BANK ME COMPLAINT KI BUT UNHONE MNA KR DIYA, POLISH THANE ME FIR KI BUT UNHONE FIR NOTE NHI KI. 2 MONTH SE UPER HO GYA H BUT KOI SOLUTION NHI HUA ABHI TAK. PLEASE HELP ME.
Hi JOGENDER PAL SINGH,
Please register your complaint with the banking ombudsman.
Cheers,
Team BankBazaar
RBI श्री मान जी मै BANK OF BARODA का COSTUMAR हु मैंने UPI/BHIM के माध्यम TRANSACTION किया बैंक UPI का CUSUMAR CAYAR UPI TRANSACTION FREE बताता है और बैंक मेरे खाते से 7575 रुपया काट लेता है बैंक से पता करने से बताते है लेज़र फोलियो चार्ज है क्या लेज़र फोलियो चार्ज SBI में नहीं लगना चाहिये मैंने SBI से UPI TRANSACTION किया है जिसमे कोई चार्ज नहीं कटा भी क्या RBI ने सभी बैंक के अलग अलग रुल बनाया है मेरा B O B A/C 00670100019825 है मेरा नाम राजेश कुमार पाठक MO 9532938073 9076510052
Hi RAJESH KUMAR PATHAK,
We are not sure what is meant by ledger folio charge. Please check with the bank why this charge is necessary.
Cheers,
Team BankBazaar
Sir/Madam
I had a RD account with SBI Patna. This account was closed prematurely by me 0n 01/12/2016. But after closing the maturity amount was not credited to my account.
the statement of the said account has reference given below
“CLOSE A/C BY CHEQUE/
AUTO CLOSURE.BAL TRF TO BC/IOI-BC TO BE ISSUED A/C ”
For this i inquired many times through SBI online CMS services but the reply was to contact the home branch. So last month i went to the home branch inquiring the same but they couldn’t trace the amount. I have given written complaint to the home branch (SBI Patna) but even after one month no action has been taken. So for this can i go to Banking Ombudsman.
Hi Dr Anuj, Yes, please! Kindly get in touch with the banking ombudsman to resolve this issue. Cheers, Team BankBazaar.
I try to withdraw money by ATM but my money get deducted but i didn’t get any money so I gave an application to take necessary action and it’s been over a month now and by RBI rule the back should pay 100 rs each day as a inconvenience of customer after 7 working day of complain and when I ask bank about this they clearly declined my request and said there isn’t and rule like this what should I do now…plz rply
Hi grv, Kindly address your concern to RBI’s banking ombudsman. Cheers, Team BankBazaar.
I have bank of India s physical shares which I want to convert digital and I request to bank officials agent but he didn’t reply then I mailed to bank registrar but they also didn’t reply once I got call from same bank officer asked me to mail the details of the share certificate which I mailed after that no reply. what shall I do and how to transfer my share to my demat account. Please guide me.
Hi Ajay, Please contact your broker for further assistance. Cheers, Team BankBazaar.
If you have the share certificte you can approach any stockbroking co and open a demat account and submit the physical shares to them witan application,they will will in time send it proper authority to get them dematerialised.
S R Rao,sripadaramarao@gmail.com
Hi All,
I recently experienced a fraud transaction on my KOTAK credit card. Ireceived a SMS “A Transaction of Rs.7695.42 has been done on your Kotak Credit Card No.xx8728 at PRINCEARUN on 21-Dec-2017. “.
Luckily phone was in my hand and as soon as i received first transaction sms, i immediately blocked my credit card. Also i logged a complain to KOTAK customer care . While i was logging my complain, i continuously received many fraud transactions messages but those were declined as i blocked my card after receiving first transaction message.
Second day itself, i filled and sent Dispute form which was acknowledged by KOTAK (Ref No- 1-8078644555).
Kotak told me that they will take 45 days to investigate. I don’t know what to do but i don’t wan to pay which i never spent.
I never ever shared any details with any one.
Any help would be appreciated.
Many Thanks,
Ratnesh (iamratnesh@gmail.com)
Hi Ratnesh Bajpai, we’re sorry to hear this. Please continue to stay in touch with your bank until this issue is resolved. If your bank fails to resolve the issue to your satisfaction, you can write to the Banking Ombudsman. Cheers, Team BankBazaar.
Hi sir. I’m writing this with a lot of pain mentally hoping that you will show me the solution for my problem. Sir on November 27 th this year i Tried to withdrew 10000/-rs in a Bank of India ATM.That is a SBI ATM card in Chennai. When i approached and followed the procedures to withdrew my money The power went off when the machine just started to count the cash. Unfortunately I received a sms stating that rs 10000/- babe been debited from your account. So i checked the valence by using sbi missed cal facilities and confirmed that the 10000/-rs have been debited. I enquired the Security about this problem and power cut. He stated men that this is the casual problem sir. It’s happening often so don’t worry you will receive your money soon or within one or two days. But i was not able to go from there so i waited there with the Security until the power come again. It took some minutes to restart and as soon as it restarted i checked again but they’re was no use. My 10000 rs did not come back. Actually i was suffering from eye complaint so i planed to visit dr.agarwal eye hospital with that money and also face some personal problem. But as the time was growing to night i was not able to go the doctor. I again enquired the Security about this problem and went away. I wanted to register a complaint about this to the SBI customer care. So called to their no. And filed a complaint against this money. Having registered my complaint they have me a Ticket Number Like. AT526343……… And also they gave me an assurance that. Within 7 working days your complaint will be resolved. So i kept on calling them so many times about this matter. When i sent an E mail complaint to the sbi but they’re is no resolution came from them. They were always saying that your complaint is under process so we now send a reminder to the team.. with a lot of tension and physical problems i was writhing for their reply for the last 1 month. But today 28/12/17 i received a sms from the sbi dyeing that”Your complaint 00000000has been attended to and closed after resolution as:ATM BANK HAS AGAIN CONFIRMED THIS TRANSACTION AS SUCCESSFUL. RELEVANT DOCUMENTS SENT TO YOUR BRANCH..”
On seeing this message i immediately called to the sbi customer care and enquired about this inhuman cheating attitude from the bank? They were saying sorry and other things only but. My mother tormented mentally a lot and i lost my peace and feeling very shame of myself and the bank. Without taking food i I’m writhing this to get some resolution sir.
1- For the last 30 days i lost my mental peace due to this matter. Further my mother also worried mentally a lot.
2- How can this public sector banks cheat the customer’s money? what is the resolution for this problem sir?
3- How can i get my money back and what remedy can i get from the bank for my mental agonies and cheating of my money?
Please sir give me some resolution as earlier as possible sir.
Thanking you sir…
Hi Baalasubramaniyan, We’re sorry to hear this. We advise you to reach out to the Banking Ombudsman at the earliest. You can read all about it here. Cheers, Team BankBazaar.
Sir/madam mera 5000 rupey date 11/11/2017 ko account se kat gaye iske liye mene application branch me date 16/11/2017 ko di branch ne mujhe 21 days ka time diya or bad me 1 month 10 days tak mujse khate rhe ki mera ballanc glat kata hai jo 2 ya 3 din me aa jay ga me branch me 12 bar gya har bar mujse yehi kha per bad me 26 des 2017 ko khane lage ki H D F C balo ne mna kar diya sir mera ballanc glat kata gya h kirpya mera ballanc bapas karne ki kirpa kre account number 08901000011264 mera account punjab & sind bank me h ATM card no 5129530890021794
Us kiya ATM H D F C bank ka hai jo amrapali manesar me hai
Anshu gangwar
Hi Anshu, We’re sorry to hear this. If your bank is refusing to help, we suggest reaching out to the Banking Ombudsman at the earliest. Cheers, Team BankBazaar.
sir ek sbi ke servent ne hmari jindgi khtm kr di h hmare ac m pese na hone pr bhi usne 10 lakh rupee ka cheaq pass kr diya
Hi Rohit, We’re sorry to hear this. Please reach out to the Banking Ombudsman to resolve this issue. Cheers, Team BankBazaar.
Sir mai hdfc ATM se 11/11/2017 ko rupaye nikalne gya tha to mera balance nhi nikla or mere account se rupaye kat gye mene iskeliye mene Branch me 16/11/2017 ko complaint ki branch ne mujhe 7 days ka time diya tha me 7 days bad gya to mujse manejar ne kha ki mere pas mel aaya hai kiaap ka balance glat kta hai aap ka balance 2 ya 3 days mai bapas aajay ga or me 5 days bad gya to bhi mujse ye hai bola gya or 40 days tak mujse yhi khene ke bad 26/12 2017 ko mujse kha ki HDFC balo ne mel bheji hai ki unka yha se balance nikal gya he per mera balance nhi nikla tha mene hdfc branch me jakar manejar se kha ki mujhe cctv se photo dikha do aagar mera balance nikla hai per manejar ne mujhe camera chak nhi karvaya mene head office me bhi complaint ki per mera na hi aaj tak balane aaya hai or na hi koi mere pas koi photo kirpya mera balance bapas kre
Mo no 9621432903, 9911233868
Hi Anshu, We are sorry to hear about your situation. Unfortunately, we are not in a position get your money back for you. However, you could write to the banking ombudsman explaining your situation so that a solution may be forthcoming. Cheers, Team BankBazaar
Sir,
Agar bank current account me coin deposit karne se mana kare to iski complaint kaha karna hai jisse jald se jald problem short out ho.
thank you
Hi Vivek, You can talk to the bank manager. If he doesn’t respond, kindly get in touch with the RBI’s banking ombudsman to file a complaint. Cheers, Team BankBazaar
Dear All Customers of HDFC bank –
If at all you have availed ANY Loan on Floating Rate Basis and wish to foreclose / prepay, pls note – YOU MUST NOT PAY ANY FORECLOSURRE CHARGES TO HDFC BANK. This is as per RBI Circular of 7th of May 2014 and this has been acknowledged to me by HDFC Bank.
If any of you have already paid any foreclosure charges, you can claim refund with interest from HDFC bank. For any support / guidance, pls get in touch with me at: 9987004136
Hi Sandeep, Thanks for the information. Do keep reading our blog and give us your insights. Cheers, Team BankBazaar
I wish to inform that we are we are running grocery store. one of our customers made payment Rs.1900 via ATM card on 8th Jan 2018 that transaction was failed no slip yet coming in pos machine. when i ask our customers bank (Bank of India)
the transaction conformation is not received from our bank(State Bank of India). please give me solution.
Thanking you.
Hi Selvam, Firstly, if a transaction fails, you should be trying again instead of concluding that the transaction has already taken place. In your case, it doesn’t look like the transaction was completed. Anyway, kindly contact your bank. They may be able to help you out. Cheers, Team BankBazaar
Dear sir,
Humse 10 ka coin nhi leta hai petoral pomp wale
Hm kya kre…
Coin lene se inkaar karta hai …..!!!!
Hi Nishant,
Although it is still legal tender, there is a lot of public resistance towards 10 rupee coins. Vendors are still reluctant to accept it. Why don’t you try exchanging the coins at a bank?
Cheers,
Team BankBazaar
my name Rajendran and i working in pvt ltd company and i get loan from India bulls and paying EMI for last 5 years.
and at present Home loan interest rate 10.15% charging me as on date and i called India bulls customer care for why they charging higher rate of interest i.e 10.15% more and they simply reply that RBI not inform to reduce interest rate for old customer.
What this correct? why we paid more interest? if interest is increased then they automatically increased my interest rate but if decreased the y want RBI Intimation.
worst experience with India bulls
Hi D Rajendran, It is not mandatory for financial institutions to get rates. It is true that usually new rates are given to only new customers while the old rates may or may not be reduced. Read this blog post for more information. If you are not happy with your Home Loan lender, you can do a balance transfer. Click here to check out Home Loans. They start at 8.3%. Cheers,Team BankBazaar
Hi, This is RAMAKANT GUPTA, a senior citizen retired from self employment in Pharmaceutical field. After Retirement, shifted to our Native Place from Work Place of Nerul, Navi-Mumbai to Chhatarpur in M.P. in the year 2014.
Kindly advise for the following bank’s problem faced by us-
1. Abhyudaya Co Op Bank Ltd, Nerul East Branch- On closing our Saving account in first quarter of 2017, Bank had deducted about Rs 300 under different heads including ACCOUNT’S CLOSING CHARGES. Is the Bank allowed to collect under this Head?
2. We have two Joint Saving accounts in S.B.I, Hatwara road Branch, Chhatarpur ( M.P.), in one First a/c holder is me (Husband) & in other My Wife. Frequent problems observed with SBI-
a. Levying of charges without adequate prior notice to the Consumer– Bank should not have any rights to deduct consumer money without prior consent/ information. Some time, unexpected deduction also causes INADEQUATE FUND IN ACCOUNT FOR CHEQUE INSTRUMENT ISSUED & SPOILING THE REPUTATION OF CONSUMER DUE TO BOUNCING THE PAYMENT BY BANK.
b. Insisting by bank to keep some FDR in Bank for allotting Locker, which is not the norm as per RBI Guidelines.
c. Bank is very prompt in deducting the charges for SMS facility activation ( without any Prior information), but very slow in keeping their SMS system updated to send the prompt SMS for Debit/ Credit of Consumer’s account. On complaining to Bank Officer, simple response is, ” FROM OUR SIDE WE HAVE ACTIVATED THIS FACILITY, THERE MIGHT BE SOME FAULT IN BANK TERMINAL”, While Bank terminal works Promptly for DEDUCTING Charges?
d. There are some norms of bank to maintain some Minimum BALANCE in account, failing to which, there is quick deduction of charges ( without any prior information). But very frequently, when we approach bank to deposit CASH, they are refusing to accept as “INTERNET TERMINAL IS NOT WORKING”.
e. We had received some Funds by SALE of our Property in Mumbai in the months from Nov 2017 to Jan 2018. Just to get benefit of more interest on Fund, we had requested to activate our both the Joint Saving accounts with MOD Facility in Nov. 2018. We had reminded several times to Bank Officer for Non Activation of same in one account. After about 1-2 months time, we were informed by Bank Officer, the Bank system is not activating two accounts in one CIF NUMBER. But in the month of Jan. / Feb 2018, both the accounts are Activated. Why should we suffer for loss of Interest from our Fund due to the negilence of Bank system?
Kindly advise us, how we can keep our Grievances with SBI/ RBI ?
Thanking you,
R.K.Gupta, Mob-7987195394 / 9425145774 / 9892565029/9819674158.
Hi Ramakant, Addressing your first concern – yes, some banks do levy charges on closing an account with them. As far as the SBI issue is concerned, we’d suggest that you raise your issues with RBI’s ombudsman. Cheers, Team BankBazaar
meine punjab and sindh bank se secure od li thi 15 lac ki in 2015 but vo abhi tak bhi mere cibil me show nahi kar rahi meine eski complained kaha kar sakta hu
Hi Sachin, Kindly get in touch with the bank regarding this. You can also write to CIBIL. Cheers, Team BankBazaar
I had taken a loan from scb, and just from the next emi date i kept on calling and saying bank that please take emi every month out of my account they never took out and now after filling a complin with them they said you please pay 4 emi which are due and we will make your cibil alright, my request was please make my cibil alright i will make the payment. for this they sent me some dummy cibil score which is not matching with bankbazar who i trust.
never they replied for my mails or for my call and now after 4 month they want all the emi at a time and when already damaged is done to cibil.
what shall i do now
Hi Rakesh, Kindly request the bank to issue a NACH mandate and deduct the EMIs automatically from your current account. This will solve the issue. Cheers, Team BankBazaar
Hello sir
Yesterday I visited my nearest sbi bank IFSC-SBIN0008175 for deposit 1000 rupees coins in my account but they refuse to take it and told me that bank take only the number of coins 250 in a day.
Now what I do ?
Please help me sir
Hi Shivshankar, Although there is no specific amount mentioned by the RBI, banks may be reluctant to accept too many coins at a time. This is because there is no machinery in place to detect whether a coin is fake or not, so this has to be done manually. We suggest that you exchange the coins in small batches. Cheers, Team BankBazaar
Dear Sir/mam I can’t use my debit card and my ATM is withdrawal 3000 debited from my SBI Bank account how can this possible please help me
Thank you
Hi Saurabh, Kindly get in touch with SBI to sort out this issue. Cheers, Team BankBazaar
Sir. I my bank deducted Money for. Failed transaction which and two months are over but bank not revert my money my bank is paytm payment Bank I have a mail in which bank said that payment was failed…
Hi Bhanu, If Paytm is not responding, then you can write to the banking ombudsman. Here’s the email ID of the banking ombudsman – bonewdelhi2@rbi.org.in. Cheers, Team BankBazaar
Hi sanjay mali maine rbl credit card ka payment upi app se kiya tha bank of maharastra se wrong payment hua tha rbl bank chinhwad branch ifsc code (RATN0000052) pe kiya tha jab ki mujhe credit card ke ifsc code pe payment karna tha jab ki galti se wrong ifsc code dala gaya upi no (731010157194rbk) hai mera card no (5369076450646868) hai AMT(5000) hai payment date 06/11/2017 krua karke mujhe mera amaunt refund kar dijiya
Hi Sanjay, Please contact your bank. They will help you solve this issue. Cheers, Team BankBazaar
hi vikas kumar sir, 2 lakhs 78 thousant had been withdrawn fraduly without sharing anything else to anyone .after it complained customer care ,fir lodged at police station but 15 days has passed but they can,t say anything about money will be refunded or not. so,please advise me what to do sir…..plz….
Hi Vikas,
If your bank is not helping you, kindly address your concern to RBI’s banking ombudsman.
Cheers,
Team BankBazaar
Dear sir / Madam,myself Bharat,my father SBI Credit card fraud transaction happened on 10/01/18. Rs.50000 Girl Cheated me she is name Nandhi She is mobile No : 8376953307 She said that from SBI credit card head of department,Nungambakkam Chennai, she said that my credit card,Balance,card holder Name and told me still you not used credit card and told you don”t know how to use credit card,i trust she is from bank, she told y reward Points and credit Card activation,As i trust She is from SBI Credit card, i given card details & cvv followed by OTP. finally i am cheated,i blocked credit card with in 24 house. & I am given Compliant to SBI Credit card but not taken any action against merchant CITRUSPAY SPICESAFAR and Fraudster finally SBI Credit Card Department liability
Hi Bharath, Please be advised that all banks repeatedly state that you should never share your card details with anyone. No bank representatives will ask you for the same as well. However, now that you’ve unfortunately experienced such an incident, you can raise a complaint with SBI. If they don’t respond, you can either write to RBI’s banking ombudsman or get legal help. We hope you get your money back somehow. Cheers, Team BankBazaar
HELLO SIR ,
MY SELF SWAMY I HAD MISTAKE IN ONLINE THROUGH SENT AMOUNT 9,000 RUPEES TRANSACTION MISS ACCOUNT NUMBER HDFE BANK TO ICIC BANK ALREADY CREDITED THAT ACCOUNT …
IMMEDIATELY COMPLIANT RAISE TO NET BANK CUSTOMER ….STILL 4 MONTHS RUNNING NET BANKING CUSTOMER NO BODY NOT RESPONSE & HADFC BANK MY BRANCH ALSO INFORMED BUT THEY SAID NET BANKER THIS ISSUES WE ARE NOT GETTING LIKE THAT TELLING WHAT I DO FINALLY OPTION…..
Hi Puttaswamy, Please write to RBI’s banking ombudsman. Cheers, Team BankBazaar
puttas56@gmail.com
Dear sir,
The adhaar linking manager appointed in kotak bank beach station branch Chennai zone.is very unprofessional to his duties .kindly appoint the staff com8ng on time to duties on first working day of week.please
Hi Chandni, Why don’t you get in touch with the bank manager and bring this to his/her notice? Cheers, Team BankBazaar
Dear Sir,
I am ICICI saving account holder, some one had hacked my account and remove 20000 rupees on 08/04/18. i had logged the complaint on the same day and submitted all the require document. but at the end ICICI had given the final statement that they will not refund my ammount. I wanted the RBI People help so that they caught this hackers and give proper security to our account. its a bank responsibility to secure thier customer account. Police said as per RBI norms if the money get deducted from some one its a bank who is reponsible to repay the amount to the victim and take strict steps.
Regards,
Kusum
Hi Kusum, We’re extremely sorry to hear about this unfortunate incident. Kindly write to RBI’s banking ombudsman for immediate results. Cheers, Team BankBazaar
SIR A FRAUD TRANSATION IN 10 MARCH 2018 GOOGLE OCTRO. COM HAS DEDUCTED 5900.,5900,50 TOTAL 12030 RUPEE FROM MY ACC WITH OUT ANY O T P AND S B I STAFF HAS NO RESPONCE TO ME MYSELF I HAVE DO COMPLAIN ON CMS OF SBI COMPLAIN NO 3989596916 ON 12 MARCH NO BODY CAN LISTENING MY COMPLAIN PLEASE SIR I REQUEST TO YOU TAKE QUICK ACTION AND REFUND MY MONEY TODAY 41 DAYS PASSED NO RUPEE CAME BACK IN MY ACCOUNT
Hi Ramakant, That’s rather unfortunate. Please write to RBI’s banking ombudsman. Cheers, Team BankBazaar
Dear All,
It was very painful and unexpected incident that occurred with me when I came to know that there was a fraud of Net Rs.1 Lac by using my Mobile no. @
.I got a call from 7478501976, the person who made a call stating that he is calling from Airtel and your mobile number is not registered with
Aadhaar card therefore this will be blocked with immediate effect. That time I was in roaming at Rishikesh in Uttrakhand. Also he gave me a SIM NO (SIM
8991000900069313396U) and said please forward given SIM details to 121 even I was assured reason being I am sending to Airtel only, which I did and thereafter my mobile no blocked and also an incident took place simultaneously that I mentioned above.
I made call in first step to Airtel from another number and got to know that I have to go to any Airtel in case services not resumed after removing & placing this
SIM in phone. I visited to Airtel store next day at Rishikesh only, opposite of Bhardwaj hospital where I was told that my mobile number is blocked and will be resumed in Delhi only.
Consequent to this incident, Also I visited my bank on Wednesday 25-04-18 that how this big transaction was made without my approval then I was told that It
was done through UPI application only and amount transfer to “Assam Gramin VI” . Also, I was given assurance that bank team will investigate this matter seriously in this regard.
I got new SIM issued from Najafgargh store on 25-04-18 when I was told that this SIM is blocked.
It is a very big amount for me that I earned with hard work and requesting all concern to take this entire episode to the conclusion with reversal of this.
Looking forward to hearing on this from all of you.
Thanking you & Regards,
Sushil Kukreti
9873649834
Hi Sushil, As unfortunate as this incident is, you must remember never to share any details regarding your phone number or bank information to anyone. No representative calling you will ask you for such details too. However, now that the damage is done, we advise that you get legal help for the same. Cheers, Team BankBazaar
my SBI bank account number 55155054869 name Pawan Kumar Verma, behror. SBI hold RS 10000 from my account without any cause. neither manager nor staff give us satisfaction why they hold that sum. kindly Grant my money if I not default in bank.
Hi Pawan, Kindly write to RBI’s banking ombudsman. Cheers, Team BankBazaar
Hi
Some Fraud transaction has happen from my account without my information ,
I have logged complaint to bank but they have disowned it,
what can i do further,
Please help
Hi Amrita,
Kindly write to RBI’s banking ombudsman.
Cheers, Team BankBazaar
Sir ,
I , Abhishek pratap singh have an account in sbi .there were fraud transaction of Rs 70000 from my account no 31623631417 during night time between 2300 to 0100 by using atm card whereas my atm was with me and I was issued with only one atm card.
I complained to bank and cyber cell .now one month has been passed but there is no update of complain from bank.I also complained to regional branch manager office but they are telling it will take time not giving any approx period for resolution. What I should do now.
Hi Abhishek,
We’re sorry to hear this. If your bank has not heeded your request until now, we suggest writing to the Banking Ombudsman immediately.
Cheers,
Team BankBazaar
In the MSME sector, is an existing MSE unit with UAM and its PAN be denied credit upto Rs. 20 lakhs by any bank for the want of margin money. We know that margin money is collateral. It is just a synonym used by some corrupt bank staff because seeking ‘collateral’ is forbidden, so they seek it in a different way so that collateral to some extent is covered within these 20 lakhs as well, while the law is that upto 20 lakhs no collateral must be sought, and above all, a live micro enterprise with all live attributes cannot be killed for anything by depriving it of credit as financial inclusion has to be done else it will die. It is a matter of life and liberty as its livelihood.
Hi Hemant,
Thanks for the info.
Cheers, Team BankBazaar
i have an salary account in axis bank in nashik. my bank debited 2100 rs from my account last month for failure of payment by cheque as salary late in feb and in march. in may, yesterday, they debited 2329 rs and 419 rs gst on consolidated account charges. how this charges levied me every month. i am not an nirav modi, why i pay this my salary amount
Hi Nitin,
Kindly contact Axis bank customer care and ask them about the deductions. Post that, if you still feel that you’ve been charged wrongly, kindly write to RBI’s banking ombudsman.
Cheers,
Team BankBazaar
Sir,
Dtd, 27/04/18 refund issued by Amazon Rs 1,199,,but not credited yet in my account ,,
Amazon refund reference number is – 811714318827
Many time I contact sbi customer care & Amazon customer care but they did not help me,
Dear Rahul,
We would suggest that you get in touch with SBI regarding this matter.
Thanks,
Team BankBazaar
Sir
Amazon online shopping Dwara mere SBI account me
Dtd 27/04/18 ko Rs 1,199 refund Kia gya Lekin Abhi tk prapt nhi hua, , Amazon refund reference number – 811714318827
Yadi Mai sbi customer care ko phone kr rha hu to Vo kh rhe h ki aap Amazon customer care so bat kri,, aurvjb Amazon customer care so bat kr rha hu to Vo kh rhe h ki reference number BTa kr sbi me bat kro,,, Lekin koi help nhi kr rha h,,
Please help me,,
Dear Rahul,
We would suggest that you get in touch with SBI regarding this matter.
Thanks,
Team BankBazaar
Is there any RBI directive /provision for differential charges by banks for same type of services in same city branches of one bank, if yes, plz let me have the reference of the directive and if no take up the matter with RBI for further clarification as some banks specially private sector banks are charging differential charges.
Hi Upendra,
As far as we know, there are no regulations for bank locker charges. You can check this link for RBI notifications on bank lockers – https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=3422&Mode=0.
Cheers,
Team BankBazaar
I have hired two lockers at different branches of one pvt. sec tor bank in same cityI . Yearly rent at one branch is Rs650/- PA and at other branch its Rs.1250/- PA (+GST). Is it as per RBI directive /provision for differential charges by banks.If yes, plz let me have the reference of the directive and if no take up the matter with RBI for further clarification as some banks specially private sector banks are charging differential charges.
Hi Upendra,
As far as we know, there are no regulations for bank locker charges. You can check this link for RBI notifications on bank lockers – https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=3422&Mode=0.
Cheers,
Team BankBazaar
Mera name digpal.mana 7/08/2018 ko corporation Bank sa 15000/ ki neft transfer ki .jo ki wrong account m credit ho Gai.eska bareya m maney bank ko jankari Di. Jabki mera dawara dya gaya costumer ka name aur ifsc code right ha.fir bhi bank dawara money wrong account m transfer ki gya. Mera costumer complaint no 1000050141.abhi tak mujhey bank dawara ko response nahi Mila.so please help me.l shall be thankful for this.
A/c no 141900101003244
Ifsc code corp0001419
Hi Dipal,
We’re sorry to hear this. We suggest you try to sort this matter with your bank first. If your bank still doesn’t help, please write to the Banking Ombudsman about this.
Cheers,
Team BankBazaar
HELLO SIR . GOVERNOR . RESERVE BANK OF INDIA. SIR I BAG TO SAY RESPECT FULLY THAT I. I AM JAHANGIR ALI. FROME= VILL. BAMNA, POST=MILAKKHANAM, TEHSEEL=SWAR, DISTRICT= RAMPUR UP INDIA ? SIR MERA ACCOUNT STATE BANK OF INDIA BARANCH SWAR MAIN HAI MERA ACCOUNT N. =32566075941 HAI IFSC COD=SBIN0000643 HAI MERE ACCOUN SE DATE 20/04/2018 KO TIME 4:44 PM PER 6000 RUPAY KAT GAY HAI AUR MERA ACCOUNT HOLD KAR DIYA HAI JO KI MERE PAAS SMS BHI AAYA HAI SMS ME YE LIKHA HAI. [HOLD FOR INR 6,000.00 CREATED IN YOUR AC XXXXX075941 ON 20/04/18. DOWNLOAD YONO@WWW.YONOSBI.COM 4:44PM] SIR AAP SE SADAR ANURODH HAI KI MERA BALANCE MERE ACCOUNT ME WAPAS KARWANE AUR ACCOUNT SAHI KARWANE KI KIRPA KAREN GOVERNOR JI KI MAHAN KIRPA HOGI ? MERA MOBILE No 9758411580 hai jo bank main laga hai?
Hi Jahangir,
We suggest you get in touch with your bank directly regarding this matter.
Cheers,
Team BankBazaar
It is seen that most of the times it is advised to report matters to the banking Ombudsman RBI, but there are differences among Banking Ombudsmen as well. The best one is from Maharashtra and Goa, and the most corrupt one is in Uttar Pradesh to which many thousands complaints were filed and only 5 decisions went against banks. Besides, RBI has allowed matters of credit to be decided by the banks themselves and any complaints to RBI fetch response that Bank frames rules according to its board approved policies, but even when there are severe violations of law of land they give the same absurd response. NPAs are not result of corrupt borrowers as they present their file for funding and they have the right to seek and the right to show good picture of themselves, but as they have the right to seek they do not have the right to get, and this is where the corrupt bank babus jurisdiction comes in.
To some extent Islamic Finance and Banking is good in this regard, best reference http://www.barqat110.com/Islamic-finance.php proving the same, and now it has advanced with acceptance of crypto currency feature as well . And there has to be enlightenment, and as business faces “Jago Grahak Jago”they should be themselves first accomplished overcoming the Public Sector bank corrupt babudom, then they can render well to their own customers. Banking customers interests have to be respected. They require enlightenment and they are most important as they are business to everyone.
Hi Online Cakes,
Thanks for your comments. Keep reading our blog for more insights into the world of finance.
Cheers,
Team BankBazaar
Sir ; what should do if banking ombudsman is not solving complain of fradulent transaction within one months.if wait how many days otherwise any next step.
Hi Abhishek,
The Banking Ombudsman usually resolves the issue quickly. If they don’t resolve the complaint, you can appeal to the appellate authority within 45 days. The appellate authority is the RBI deputy governor.
Cheers,
Team BankBazaar
sir, my name is ujagr singh rawat. My saving account is with SBI. On 4/6/2019 at 6.44 am, I was sleeping at my home. when I wake up I have got three messages from SBI regarding cash transaction. Sir, the hackers withdrawal Rs. 35500/- from my ATM. Immediately I close my ATM in Customer Care of SBI. After that complaint was lodged at Lodhi Coloney Police Station because I am a customer of SBI Lodhi Road. Sir, How this happen when the ATM is with me and my limit is only 20,000/- thousand a day. Sir, I shall be grateful if you help me in this matter and i also wanted to know who will give me that amount SBI Bank or Axix Bank because the hacker transacted the amount from AXIX ATM. Pl. help me.
Hi Ujagar,
Please get in touch with your bank regarding this matter. If the matter is not looked into by the bank, we suggest you get the help of a legal counsel.
Cheers,
Team BankBazaar
29may2018 ko ICICI Bank ATM Sultanpur Mera ATM card Jo ki axis Bank ka usme 10000 rupay ka transaction hua paise mujhe mile nahi….Mere paas itna Paisa b nahi k main CCTV footage nikalwa saku..please mere paise jald see jald credit kar dijiye…Meram amreen hai 916010014747097 axis bank ka a/c aaj morning 29_05_2018 me Mere 10000 ka transaction hua h ICICI Bank Sultanpur k ATM se ye paise mujhe nahi mile please help me as soon as
Amreen Fatima 8090334087
Hi Amreen,
Sorry, we won’t be able to help you in this regard. Please speak to your bank regarding this.
Cheers,
Team BankBazaar
Dear bank bazar team,
My money got stolen(withdrawl) by someone from my account through atm. It was 1,60,000/-rupees. I have lodged written complaint to SBI, cyber blog and banking Ombudsman also and also filled FIR. It is now approximately 9 month to that complaint…n action also taken by the bank they admitted that money was stolen fraudulently but they only pay back 50 percent means 80,000/- of the missing amount when i asked the reason then they said that only half amount is approved by the Ombudsman ….so i want the specific reason of that action…..n i want..the full refund…pls help me as soon as possible…
Hi Jaywant,
We suggest you get the help of a legal counsel to sort this matter between you and the bank.
Cheers,
Team BankBazaar
Fraudulent transactions of amt. 56000/ – approx have happened from my A/C without my knowing and my know how from SBI Telco
branch., Jamshedpur Jharkhand . where no SMS , no email nor an OPT was sent in this regard. It’s almost 22 days past nor have I received my amount nor have I received any convincing reply from the bank officials as of yet.
Hi Ricky,
If the bank is not heeding your concerns, we suggest you escalate matters and write to the banking ombudsman immediately.
Cheers,
Team BankBazaar
Hi,
How Can I raise a complaint on DHFL in banking ombudsman there is no option to choose the bank. My cheque got bounced and I had paid those charges but still they are collecting excess charges again from me.
Hi Sri Harsha,
Banking Ombudsman will first ask you if you have registered a complaint with the bank and whether it’s been 30 days from the day you made the complaint. If you answer yea to these, you will be asked for the bank name and other details. Please visit the Banking Ombudsman website.
Cheers,
Team BankBazaar
sir good evening
I made a transation of 10000/- by Hitachi Atm located in Purbi Champaran Bihar
but the amount has deducted from my account but cash not dispensed by Hitachi Atm Machine .
after making a complent by my IDFC BANK Hitachi is saying you have made a successful transation .then I made a request for CCtv footage but they are not giving cctv footage.
What should I do now ?
Hi Raja,
We suggest you take the help of a legal counsel in this matter.
Cheers,
Team BankBazaar
Dear BankBazar team
I wanted to buy a three wheeler car by atul company.I gave him all needed documents with my sign and loan would been sanctioned but unfortunatly I rejected the loan for my major problem.Then the company would gave the car to another with my sanctional loan & now bank give me the notice to recovery loan.I have done written complain to the bank but not recieved any satisfaction reply from the bank.so plz give a advice & guide me.
Hi Sanjay,
The bank cannot grant a loan that is in your name to someone else. Please seek the help of a legal counsel and approach the bank regarding this matter.
Cheers,
Team BankBazaar
I had facing the issue that FRAUD TRANSACTION made on Through ATM by UNKNOWN one , I wanted to lodge the complaint against the BANK as for not provided any satisfactory response or Statement .How did i get money back.It was my college fees.
Hi Sanjay,
We suggest you get the help of the Banking Ombudsman to sort this matter out between you and the bank.
Cheers,
Team BankBazaar
Respected sir,
Its an anarchy of the HDFC that they are not taking any kind of action on the work allotted to them.on the 10th of june that is Sunday I had provided all required documents to the bank for home loan and I had the sanction letter before that even that’s on 30 may 2018 but till now the bank is doing nothing about the measurement of the house and no further steps taken. They took a cheque of 11800 at the very first day when we filled the form of home loan application but yet no action is taken further.I am really annoyed by them they have not even cared to reply.I want that some strict action be taken against them for this irresponsible behavior.
Hi Sachin,
We suggest you personally speak to the bank and get the matter resolved first. If matters remain unattended to, take the help of a legal counsel or write to the Banking Ombudsman.
Cheers,
Team BankBazaar
hi,
can i complete for net banking site not function .
I have written no. of emails but no result. now they have not replied for 20 days regarding this
pls suggest. i have emails and not the letter. so how to upload the email communication on rbi ombudsman.
thnks
Hi Gopal,
If this matter has not been heeded by the bank, we suggest you write to the Banking Ombudsman with proof of all written communication between you and the bank. Consult a legal expert if you’re unsure about how to go about this.
Cheers,
Team BankBazaar
Hi Team,
Yes Bank Credit Card Number- 5318-4910-2067-0540.
i have an existing customer of Yes bank credit card, in last year approx November 2017, they have didn’t sent me the bill and i have call to customer care to send me the bill, he said me that bill request has been taken and it will send to you with in 72 hours but i have not received the bill in given timeline and after 72 hours i have again call him and they have told me the same statement and on that time i leave that topic and on the next month they have send me the bill with penalty and on same time i have call to customer care to adjust the bill and they refuse my request, according to me my bill was of 800 INR and on current date they are sending me the bill every month and current now outstanding amount approx 9000 INR, now my cibil is completely spoil, so please help me here to out of it from that mess.
Regards,
Hemant.
Mob- 91-7838813569.
Hi Hemant,
Firstly, please don’t share your Credit Card number with anyone especially not over a public forum like this. Coming to your matter, we suggest you write to the Banking Ombudsman about this.
Cheers,
Team BankBazaar
the gic housing finance co. charged penalty on my home loan delay payment .where can complaint against this.
Hi Amit,
All lenders charge a penalty for not making payments on time. Make your payments on time in the future if you do not want to pay such penalties.
Cheers,
Team BankBazaar
Sir tmb bank Mumbai me mere fake signature karke kisi ne account open kar liya June 2011me Ab CCTV footage se dekhna hai Kon hai jo account open kiya usme transaction bhi hue
Hi Surendra,
Kindly check with the bank regarding this.
Cheers,
Team BankBazaar
RESPECTED SIR,I am A.Palanivel Ex-Army from Salem,Tamil Nadu
I am a Account holder of past 17.years for SBI,Srirangapalayam , Salem,TamilNadu-636008.My A/c No:10594091893,B.code:0913
MY complaint is as follows: Past 12th Jan 2018 I was Recharged Rs-3036/-for my mobile to Airtel digital tv accout so far.But the Airtel Dth department was says your send amount Rs-3036/- not received.So,I was Again13th Jan2018 sent to my mobile money transfer Rs-3036/-The said amount was received and Activated for my tv from Airtel Tv tariff of 11+1 months.My Airtel Tv Custo
Merseyside I’D no:3019726775-001.But my Amount was double time debited my Account for 12th Jan and 13thjan2018.So, I was immediately informed to Airtel Dth Tv.But the concern was not given proper response.So,Again I was complaint my Account bank
For SBI at Salem main branch.The Branch Manager was says me af ter 45days You have to come this office and your problems shoul d be solved.So,that after 50.days I was consulted to the Manager. But he says again did you write from yr complaint to give here and after a week if you come and approach from this branch.After one week again I was go and meet to the Manager.But he says your am ount Rs-3036/-was Received to Airtel Dth Tv Account.But The sa id Concern was informed me your amount was not received from AirtelDthTvAccount.So,did you again approach your account ban k.So,Sir Till date my Amount Rs-3036/- is not refunded for both the concern will not care about my Amount refund for myAccount my Question is where my Amount was deposited.My mobile no: 0 9486539789. So,Please kindly approach and treated as his faults mentioned both of them and get my Amount on refunded my Acc ount as well as early as possible with warm regards.
” THANKING YOU ”
YOURS SINCERELY
A.PALANIVEL
DATE : 4TH AUG 2018
PLACE : SALEM,TAMILNADU-636008.
Hi A.PALANIVEL,
We are so sorry to hear this. However, we’d like to state that we are NOT a bank and cannot really help you get that money back. However, if you are unsatisfied with the support that SBI has shown so far, you can write to the banking Ombudsman directly to get this addressed.
In order to file an online complaint with the RBI Ombudsman, follow these steps:
Log on to the official website and submit the details of your complaint (https://secweb.rbi.org.in/BO/precompltindex.htm)
Upload the complaint letter explaining the problem
Upload any supporting documents to support your complaint
Insert a copy of the original complaint written to the concerned bank
Also, insert a copy of the response received from the concerned bank
All these documents need to be uploaded on the website in pdf or .txt format only
All the best!
Cheers,
Team BankBazaar
RESPECTED SIR, Please I am submitted my entire problems .So, that please kindly accept my Obligation and refunded my Amount was double time debited in my Account Rs-3036/- so far.Did you confirmed to both of them I mean Airtel Dth Tv and SBI at Salem main BRANCH in TamilNadu.This is my Humble and Honoured request you to as wellas early as possible with warm regards. THANKING YOU.
Hi A.PALANIVEL,
I hope we have answered your query. Good luck.
Cheers,
Team BankBazaar
Hi team,
Please help me, i have Hdfc Bank Credit card and i am using this card since 28-30 months. Due to financial problem i was not able to do full payment at that time so i paid minimum amount every time..but few days before i just notice that there is heavy interest rate charging on my card so i decided to do full settlement of my card.. So I just coordinate with HDFC Bank customer care phone banker.. And I told to him kindly reverse my financial charged of 2-3 month i am ready to do full payment and if bank waived off some financial charge on total amount it will greatfull for me.. So executive told me yes sir it can be possible i just take a reversal request and your last three month financial charge 4800 will be waived off and it will be settle down in next billing cycle or reverse in your account and he gave me surity.. So according to that assurance I just borrow some amount from my friend to do full settlement. And within two days I paid credit card full payment. After two days I am trying to contact customer care support team friday,saturday and sunday everytime Executives are busy on another call everytime. Early morning.. After noon, evening and mid night.. But on monday that means today early morning around 8 am executive named shikha pickup my call and directly told to me sir your request has been decline i was shocked because of previous charge reversal regarding assurance accordingly i planned for loan from friend. Now its typical for me to arrange 5000 extra.. How can i arrange its totally deceived by the bank side..they are colmpletly making customer fool.. Kindly suggest me now what I do?.. Can I file a complaint against bank in Banking Ombudsman.
Hi Tarun Singh Tomar,
We are sorry to hear about this inconvenience caused to you. Have they given you a reason why this request was declined? You can try speaking to the concerned branch manager and take it up with him/her. If you are still unsatisfied with the response we suggest you reach out to the banking Ombudsman regarding your issue.
All the best!
Cheers,
Team BankBazaar
dear sir I m Ankit
sir need education lone but bank manger is not apply why sir I’m a poor family belong but my father is suffering from thorat cancer sir give me please my help
thanks full
Hi Ankit Kumar,
We are deeply saddened to hear about your situation. You can check your eligibility for a Personal Loan here.
All the best.
Cheers,
Team BankBazaar
Sir
I made a transaction through BHIM app transfering RS 10500 from my SBI ac to ICICI BANK ac.but i made a mistake in ac num & credit went to someone else ac.i have already send mail to support.upi@sbi.co.in , customercare.icici bank, Contact.bhim.Also registed a complaint through CMS SBI.Its almost 2 months over & sends about 50 mails to both banks.each one suggests to contact the other. What to do.please helpme
Hi Sruthi,
If you are unsatisfied with the response from the bank you can reach out to the Banking Ombudsman to sort out your issue.
Cheers,
Team BankBazaar
Bhim transaction went wrong sbi to icici .what to do sir
Hi Sruthi A S,
I hope we’ve answered your query.
Cheers,
Team BankBazaar
Sir
I made a cash transfr using BHIM app from my Sbi ac to Icici bank ac.but i made a mistake in ac num & credit went to someone else ac though the beneficiiary name mismatchs.Already registred complaint thrugh CMS sbi.send about 60 mails to Bhim,icici,and support.upi@sbi.co.in.but no solution .sbi suggest to contact icici and viseversa.About 2 months over. What to do next.please help me sir.
Hi Sruthi,
If you are unsatisfied with the response from the bank you can reach out to the Banking Ombudsman to sort out your issue.
Cheers,
Team BankBazaar
Thaku sir
What’s up, after reading this awesome paragraph i am as well delighted to share my experience here with colleagues.
Hi there,
We would love to hear from you.
Cheers,
Team BankBazaar
Sir mera corporation bank m curnt ac h bank m second line ku ek officer transfer hoker aayi h jiska behawe bahut hi ganda h or vo rule banate h jiska bank k rule se koi lena dena b ni hota h or mere sath bahut misbehave kiya h eska transfer krana bahut jruri h kaise iski sikayt ki jay
Hi Mohit,
You can reach out to the Ombudsman if you have faced any banking issue. You can write to the Ombudsman in detail regarding your complaint to get it addressed.
All the best.
Cheers,
Team BankBazaar
Dear sir/mam,
My previous loan is of 350000 and in that loan i have already paid one EMI i.e 11576, now when I went to bank to take a new loan, your executive told me that you can increase the loan amount. In spite of taking a new loan so I done according to him, now in new loan i e of 431790 amount of previous EMI is not adjusted.
I consulted with many bank executives they said to me before 1 year a loan can’t be closed how its possible
After taken of loan i think bank will adjust amount automatically so i don’t keep the full amount of 1st emi but its not happen, due to this bank again charged me of 680 rs.
After this i tried for disciplined emi schedule i pay the second emi.
But again bank charged me for 250 rs, today (29-08-18) again bank charged me for 312 rs.’
Now again they charged for 512 rs.
Please help me regarding this.
With Regards,
Akash
Hi Akash,
We are sorry about your situation. But you must know that BankBazaar is NOT a bank. Kindly reach out to your bank (from where you availed this loan) to get this matter sorted.
All the best!
Cheers,
Team BankBazaar
Respected sir,
My name is ramdhan nd I am the regular costumer of Canara bank chatrawas road kaithal.my kcc account no. Is 2045840004489 nd kod account is 2045897000449.i have complained several times regarding sms facility in these both account.i am unable to receive any sms of balance.but there is no solution about this.when I complained about this in kaithal branch they said to me that they have no sms facilities in this bank.i m living 15;km away from the branch nd could not able to come everytime to know my balance nd as we know that digital india is growing day by day but we are unable to get these types of little facilities so how we can make digital india.
So,I hope you solve my problem as soon as possible.
Thanks,
Ramdhan
Mob-9416915953
Show quoted text
Respected sir,
My name is ramdhan nd I am the regular costumer of Canara bank chatrawas road kaithal.my kcc account no. Is 2045840004489 nd kod account is 2045897000449.i have complained several times regarding sms facility in these both account.i am unable to receive any sms of balance.but there is no solution about this.when I complained about this in kaithal branch they said to me that they have no sms facilities in this bank.i m living 15;km away from the branch nd could not able to come everytime to know my balance nd as we know that digital india is growing day by day but we are unable to get these types of little facilities so how we can make digital india.
So,I hope you solve my problem as soon as possible.
Thanks,
Ramdhan
Mob-9416915953
Show quoted text
Show quoted text
Show quoted text
Hi Ramdhan,
If you’re unhappy with the response you get from your bank, you can raise the concern with the manager or a designated person of authority. If you’re still displeased with the response then we suggest you write to the Banking Ombudsman.
All the best.
Cheers,
Team BankBazaar
Bank bazaar peoples are called me and they told that u are eligibility for personal loan up-to 8 lakh, and so they ask me for insurance amount with 30k. CHENNAI LOCATIONS
Hi MARTIN LEO,
We are unsure about what you mean by ‘insurance amount’. We at BankBazaar only provide a platform through which customers can easily access the best financial products. We do not ask customers for any sort of fee or charges. Kindly write in to support@bankbazaar.com detailing exactly what you were told over the phone and we will try and look into this matter.
Cheers,
Team BankBazaar
Sir,
We were having CC A/c with HDFC Bank. We were not getting proper service from HDFC so our C C A/c was taken over by HDFC Bank with same colletral security with higher CC Limit with low interest rates. In this situation HDFC Bank has debited our A/c by Rs. 14.50 Lacs Approx. as pre closure charge. Now we have requested to HDFC Bank but the bank is not giving any answer. Complaint was made through our registered mail to bank but no response from HDFC Bank. Sir please advice what cab be done. Our Company is under MSME. Our new banker Yes Bank officers told for MSME pre closure chages can not be levied by bank. So please advice what can we do ?
Hi NARAYAN LAL TIWARI,
While we do provide general tips and advice on personal finance, we will not be able to provide guidance on specific queries. We would love to help but due to the specific nature of your question, we suggest that you get legal counsel or consult your financial advisor to sort this out.
Cheers,
Team BankBazaar
I am a customer of union bank of india.kolkata, branch- (taltola)west bengal.kol-700014.
I want to lodge a complaint about the branch staff.
They not giving good service.
Their beheaviour is not friendly or officially.
I want govt should take action of this branch staff.
They don’t know how to behave or talk with customer.
They not doing their job properly.
Hi Mushtaque,
We’re sorry to hear that. However, you can reach out to the banking Ombudsman for these types of queries only:
Non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.
Non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof.
Non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof.
Non-payment or delay in payment of inward remittances.
Failure to issue or delay in issue of drafts, pay orders or bankers’ cheques.
Non-adherence to prescribed working hours.
Failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents.
Delays, non-credit of proceeds to parties’ accounts, non-payment of deposits or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings, current or other accounts maintained with a bank.
Complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank-related matters.
Refusal to open deposit accounts without any valid reason for refusal.
Levying of charges without adequate prior notice to the customer.
Non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on ATM/Debit Card operations or Credit Card operations.
Non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned, but not with regard to its employees).
Refusal to accept or delay in accepting payment towards taxes, as required by Reserve Bank/Government.
Refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of Government securities.
Forced closure of deposit accounts without due notice or without sufficient reason.
Refusal to close or delay in closing the accounts.
Non-adherence to the fair practices code as adopted by the bank or non-adherence to the provisions of the Code of Banks Commitments to Customers issued by Banking Codes and Standards Board of India and as adopted by the bank.
Non-observance of Reserve Bank guidelines on the engagement of recovery agents by banks.
Any other matter relating to the violation of the directives issued by the Reserve Bank in relation to banking or other services.
A customer can also lodge a complaint on the following grounds of deficiency in service with respect to loans and advances.
Non-observance of Reserve Bank Directives on interest rates.
Delays in sanction, disbursement or non-observance of prescribed time schedule for disposal of loan applications.
Non-acceptance of application for loans without furnishing valid reasons to the applicant.
Non-adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank’s Commitment to Customers, as the case may be.
Non-observance of any other direction or instruction of the Reserve Bank as may be specified by the Reserve Bank for this purpose from time to time.
The Banking Ombudsman may also deal with such other matter as may be specified by the Reserve Bank from time to time.
Cheers,
Team BankBazaar
DEAR SIR,
,This is regarding the misbehaviour conducted by the security gaurd of the atm on bank of baroda banbasa champawat uttrakhand.pls sir contect with me and action for this misbehave.
thank you
Hi Ashok Kumar,
You can write to the Banking Ombudsman for complaints specific to banking only. In this case, you can speak to the bank manager to get your concerns addressed regarding the security guard.
Cheers,
Team BankBazaar
This is to inform you that i have a Saving salary account in ICICI bank Gurgaon. I wants to bring this in your notice a illegal way of working of ICICI bank
that today I have received a call from ICICI bank
someone told me that that they have blocked Rs 25000/- of my salary account. Without any notice, without prior information how can they block my money which in my salary account. immediately i have checked actually my app shown that Rs 25000 have been blocked …
ICICI person told me that 13 years ago I have owe a two wheeler loan and some amount of that loan was unpaid that’s why bank has blocked my Rs 25000/-. as per my knowledge i have paid all my loan but i didnt took NOC.
I have also visited My branch they told me that they can’t do anything.
When 2 years back i have open this saving account bank contacted me any ask me to pay bal 5000/- for that old loan. but now again they blocked my money.
I also called to Customer care of ICICI Bank on 11 Sep. 18 time 17:24 hr Mr Abbu was on call he denied to lodge any complaint.
pls advice what can i do now …..
robert
9953739848
Hi Robert John,
We are so sorry about your situation. In case you’re unhappy with the response from the bank we suggest you write to the Banking Ombudsman to take corrective action. All the best!
Cheers,
Team BankBazaar
sir kya a t m se rang lga not bank nhi badlega jis bank ka atm hoga bank bolta h hamari koi jimbedai nhi h jo atm m no dalta h usko bolo ye javab h bank k
bank ka name , stat bank of india kirti nagar near moti nagar metro station pillar no 319
Hi MUKESH KUMAR,
Your bank should be able to help you with this concern. In case you’re unsatisfied with their response, please get in touch with the Banking Ombudsman. Good luck.
Cheers,
Team BankBazaar
sir
mera name sandeep kumar hai mera account bank of india me hai aur bank ne mere account pr lock laga rakha hai jis karan mai apna len den karne mai asamrth hun kirpa karke mere account ka lock khulwane ki kripa kare
SANDEEP KUMAR S/O GULLE PRASAD
BANK OF INDIA
ACCONT NO 681410510004087
MOBILE NO 9554913626
Hi SANDEEP KUMAR,
You will have to reach out to your bank directly to get your account unlocked.
Cheers,
Team BankBazaar
Real shame on our country’s banking system. You guys are the reason of an undeveloped society.
Making scenes on just exchanging mutilated notes shows the uncultured and irresponsible behaviour of our banking system, the they call themselves the state bank of india, you should be shame of using our country’s name .
Hi Rohit Singh,
We completely empathise with the way you feel. In case you have faced a similar issue with the bank in question, or any other bank for that matter, and haven’t received an apt response from them, then we suggest you write to the banking ombudsman to get it sorted.
All the best!
Cheers,
Team BankBazaar
Good morning mam sir
I want to file compliant against india bulls personal loan finance plz provide me proper guidenes
Hi Harish,
You can get your issue resolved by writing to RBIs Banking Ombudsman. If that doesn’t work, we suggest you reach out to your legal counsel to take action.
Cheers,
Team BankBazaar
Sir,
MY A/C NO-520441032819379 NAME-SURAJ DUGGAL,BUT LAST LONG TIME I CANT REGISTER THE OUR NET BANKING ,AND I M TAKE 2 TIME NET BNAKING FROM NEAR BRANCH BUT NET BANKING IS NOTE WORKING AND AS PER PROVIDE YOUR NEW NET BANKING SIDE WHEN WE HAVE TRY TO LOG IN THE NET BANKING SITE BUT WE HAVE NOT RECIEVE THE OPT AGAINST THE SAME,MY REGISTER NO -8437411551,
SO PLEASE RECITFY THIS WE HAVE REQUIRE ON URGENT BASIS THEN WE HAVE LOG AND RUNF THE SITE AND TRANSACTION THE AGAINST OUR ACCOUNT,
REGARDS
SURAJ DUGGAL
8437411551
Hi SURAJ DUGGAL,
We are so sorry to hear this. You can write directly to the Banking Ombudsman if your problem hasn’t been rectified by the concerned bank yet.
All the best.
Cheers,
Team BankBazaar
Dear
Sir
Kya sir ji bank me paisa nikalne ke liye gya 7500/ wha par paise nahi diya gya bole
5000/milega ab mai kya karu complane kaise karu
Bank name
Kashi sanyut gomti gramid bank
Saray bika jaunpur uttar Pradesh
222202
Hi Divakar dubey,
So sorry to hear this. You can complain to the bank’s manager to get your issue resolved. And if you are unhappy with their response you can write to the RBIs Banking Ombudsman directly.
Cheers,
Team BankBazaar
hiii sir i am apply credit card 28 august 2018 but still check status inprocess but hdfc excutive told me you get credit card 7 days,what i will do the action, today 39 days complete but status is inprocess.
Hi Sandeep,
Kindly get in touch with our customer care department if you’ve applied through us.
Cheers,
Team BankBazaar
I was charged Rs 767 Debit annual charge on my salary account. Hence i disputed the charge and bank refunded only Rs 650 to my account but didn’t refund the GST of Rs 117 (i.e 650+117= 767). It this right, shouldn’t the bank refund the GST of Rs 117 as well as THEY charged me incorrectly to my account. When the called the bank, the agent was completely blank and the Supervisors was rude and stubborn to answer my questions.
Hi Ritesh rao,
Unfortunately, we aren’t the right people to advice you on this query. We suggest you speak to your bank directly regarding this. And if you’re unhappy with their response you should get in touch with the banking ombudsman to get this sorted.
Cheers,
Team BankBazaar
Hello sir,
My name is Inderpreet Kaur student of 10th class in GGSSS, Nawankot, Amritsar. My SBI account no is 35732701233. and IFSC code is SBIN0001569. My account was opened in 2016 in SBI, katra khazana gate, Amritsar. I m orphan . My uncle and aunt take care of me and their finance condition is very poor. SO my school teacher asked to open the account which make me able to get scholarship from GOVT. I opened my account in SBI and deposit the money but they don’t not ask me to maintain the balance. Due to non maintenance of account in SBI, they charged me 4 times total Rs. 466 . I get the information of deduction when i visit the bank to update my passbook and want to know the amount of my scholarship. I was shocked to see that they deduct my amount which is deposited by me and when i asked them they told me to deposit and maintain 3000 RS. Due to my family finance condition i was not able to maintain and even still i was not able to maintain. plz tell me how can i maintain. I m writing this to u bcoz i saw the advertisement on the TV that according to RBI rule they cannot deduct the amount even without informing the customer .
Pz help me to sort out this. Do the needful. My no is 8872777799. My Cousin sister’ s mail id is harpreetsharmak7@yahoo.in
Thank you Sir.
Hi INDERPREET KAUR,
We suggest that you speak to SBI on this. There are many zero balance accounts offered by SBI. One of them is the Jan Dhan account. You can ask SBI to close this account and open a zero balance account for you.
Cheers,
Team BankBazaar
Respected sir/madam,
I Biva Chowdhury D/O Late Ramesh Chowdhury residence at 18 no Ghat majhi lane
My father was no more due to accident happen(12august) in our family such a big loss after few day we get credit card to my father’s name.
After one monts i saw my father acount has been debited due to credit card payment
Yesterday(10octuber 2018) I went to bank and tell employe how do i cancle credit card and what is the procedure to close my father account because he is no more
I gave him my father account number they just check and shouted on me they said the balance is zero i told him i allready withdraw all money
Then they said you may leave as it is its automatically closed and then the document which i provide him through out on the table i was in deprision my father is no more i want to close his account but they dont know how to talk with the demise’s Customer i ask what is your name? they not answer me he is in counter no 2 branch salkia 61,SREE ARABINDA ROAD
BRANCH CODE 1414
My father’s account no:-(309******4147)
If i leave this account as it is and someone use it misuse then who is the responsible for that
Most humble requested to you please see the CCTV footage between 11:00am to 11:30 on 10 octuber and filed a case again him.
Further details call 7003725484
I want justic
Hi Biva chowdhury,
We are so sorry about your father’s passing and are really sorry about the way you got treated by the bank. We suggest you write to the banking ombudsman in case you do not get a response from the bank.
All the best.
Cheers,
Team BankBazaar
Sir,
In Feb 2018 my car loan installment was deducted paritially from my account due to some family problem and because of this loan recovery dept called me and talk me very rudely. When I complain Bank said its a regular call and no harsh word being used, also when I forced them to infestigate they said that is number doesn’t belongs to HDFC. All thing in on mail and recording except that conversation.
Also few days back I got call from same bank leagal advisor from Delhi that a nonbailable warrent is issued against me and reference person as I have not answered any letter and if I pay it will stop. When I denied a Sub Inspector called me saying a name of person from local police station that we are coming to pick you and send you to delhi and if you will not found at home then your family memeber will be arrested.
Here I like to say that till date I have not got any letter or Court Notice from the bank, Also my cheque bounce at Mumbai and originated in Jharkhand.
Hi Anurag Jha,
We are so sorry about your situation. But seems like this matter is a little more serious and we suggest that you speak to your legal counsel to get this sorted.
All the best.
Cheers,
Team BankBazaar
My A/c is blocked in Indian overseas bank, I have given my pan & adhaar card and told the manager to reopen the A/c. they have deducted 1500 rupess from my A\c then also the a/c is not opened, when i ask then they said the it is from the Server team.Kindly look over it and let me wt is happening.
Hi Harish N,
Sorry to hear about this, but please note that we are not the bank. Could you please report this issue to the bank manager to get an appropriate response on why it happened? If you’re unhappy with their reply then you can write to the banking ombudsman to sort this out.
Cheers,
Team BankBazaar
Sir
Maine kotak mahendra bank mai 09.10.18 ko rti lagayi .wah dene se mana kar rahe hai .Mr sudhir chauhan ne mujhe 2.37 cr ke 4 cheque issue kiye and Mr arvind singhal ko 11 cheque issue kiye cheques no 1053 to 1070 .Sum Rs 1.08 cr .all cheques payments stop .kis date ko stop karaya and kaya reason Diya gaya .and use date ko balance thaa ya nahi .
PL help me
Hi Bk agrawal,
Sorry to hear about your situation. We kindly request you to contact your bank for clarification on this matter. If the bank does not take the necessary steps to resolve your issue you can register a complaint with the banking ombudsman.
Cheers,
Team BankBazaar
hi team,
My name is Manish Kumar i have face any problem because i withrow the money thought bank of baroda ATM machine using my PNB ATM Card. But money not received but amount debit my account. So please help me what to do.
Hi Manish Kumar,
We’re sorry to hear that. We suggest you read this informative article on the next steps to take.
Cheers,
Team BankBazaar
On 25th of October I have visited Bank of Baroda brahmapur branch in Kolkata for opening a savings account. I have finished all the documentation part on the same day and deposited the money as well. The concern guy told me that by 26th Oct I will be getting the account no, however it will take 10 to 12 days to get it activated.
On 7th of November I have received call from the branch, stated that the account got rejected because I have mentioned minors name in the nominee section and I need to remove the name for the further processing.
I requested them to remove the name of the nominee and re process the same.
I have visited the branch today to get the updation of the account….. As of now there r no updates. And they are unable to tell me that when I will get the details of my account and how long will it take.
The employees of the branch are so careless that they expect the customer should write everything properly and without checking the form they will process it. This cannot be the reason that the branch is rejecting an account only for the minor nominee name was mentioned.
I have asked the branch employees as well as the assistant branch head regarding the mistake, so they told me that you can close the account and take the money back. And it was a mistake that they have processed my account.
Is this is the way to harass the customer who wants to open the account with your bank? I want to close the processing of account opening and want to withdraw the amount immediately. I don’t want to get insulted like this. The bank is there to serve us, not to insult us.
Kindly check the attached copy of deposit slip.
Request you to look into matter.
Hi Nivedita Dey,
Sorry to hear this. However, we are NOT a bank. We kindly request you to raise this with the higher authorities at Bank Of Baroda. If you’re still not satisfied with their service then you can write to the RBIs Banking Ombudsman by all means.
All the best!
Cheers,
Team BankBazaar
Dear Sir/Ma’m,
As per new RBI guidelines, every bank is sending new chip based debit card to its customers. I have an account with HDFC bank and they charged me with Rs825/ for issuing this card. This is quite high fee which I am unable to give . These banks are taking RBI guidelines as a new means of income as SBI is charging NO fee for such card.
Please advice me if I should take my complaint with RBI ombudsman if the charges are not reversed and how strong will my case be in ombudsman?
Thanks
Vijay
Hi Vijay,
We cannot guarantee the action that the RBI’s Ombudsman will take. But it is worth the effort if you’re unhappy about these charges on the new Debit Cards. All the best!
Cheers,
Team BankBazaar
Can a GM and DGM or any other officials create a mental pressure to a default borrower by sending SMS or PICTURE or Whatsapp . When the borrower’s intention and integrity to pay. When the borrower and co-borrower is severe Heart patients. If not, what is the way to complain and where.
Hi Piyush Mukherjee,
We’re very sorry to hear this. If you think the bank is harassing you for a non-payment you should get yourself a legal counsel to sort this issue. All the best!
Cheers,
Team BankBazaar
My self Aakash from a small city saraipali(C.G.)
In my area there is no any nearest bank and we people are facinh too many problem due to transation and some other work on bank.I requrst to open a bank near my area which is kisdi,saraipali as soon as possible.
My contact no. Is 9009395985
Hi Aakash Bhoi,
Unfortunately, we are NOT a bank and cannot help with your request.
Cheers,
Team BankBazaar
Sir, I have completed 18 years. I have pan card only . And most of the banks have refused me to open a new account as I don’t have Aadhar card and voter id. Please suggest How can I open a new bank account
Hi Darshan Soni,
As per Supreme Court ruling, Aadhaar is no longer mandatory for bank accounts. You can use your PAN to open an account. We suggest that you speak to your bank again.
Cheers,
Team BankBazaar
Sir
I have withdrew money RS 3000/- at KOTAK BANK ATM MACHINE using my DNS debit card
nd the transaction was successful but i didnt recieve cash although machine counted it…AND the transaction was at 3.57 PM 1
with written as transaction sucessful….
Hi Priti,
We are sorry to hear this. Please reach out to the bank and inform them regarding this. They should be able to help you.
Cheers,
Team BankBazaar
I blog often and I seriously thank you for
your information. Your article has really peaked my interest.
I am going to take a note of your site and keep checking for new information about once a week.
I subscribed to your RSS feed too.
Hey there!
Thanks for stopping by. We’re glad you liked our post. Keep reading our blog for more insights into the world of finance.
Cheers,
Team BankBazaar
DEAR SIR,
I dhananjay katija .studing in criminology and police study (P.G) professional course jodhpur rajasthan kar raha hu. i belongs in poor family. so i need education loan. Maine vidyalaxmieducation portal se 1,50000 rs loan ke lie apply kia he, 28 august 2018 ko online form completely fill kia or sare needed documents jama kar diye he. bank loaning officer ne pahele kaha or promice kia ki loan mil jayega .or kaha ki or dusri bank se applay ki jarurat nahi he. fir usne mujhe next or next kaha bar bar .or mare kam ko pending kar rahe he. me pareshan hu or police FIR KA soch raha hu, ki yaha koi dusra rasta he.
1. pahele kaha ho jayga
2.fir jo employ loan ka kam karta he usne kaha mera target pura ho gaya he .
3.vo mere kam ko bar bar delay kar rahe he
4.mene NSDL par kai baar grivence complain ki par koi replay nahi aaya.
5.mera university se ghar 500 km dur he…mene education loan ke lie bahut paise spend kie he or usse bhi jayda time.
koi aisa rasta ya /compain jisse mujhe quick respons mile.
sir ek qustion or heki NISDL ka education loan provide karane me kya roll he.
Hi Dhananjay,
We are so sorry to hear of this. If you are unsatisfied with the support that the concerned bank has shown so far, you can write to the banking Ombudsman directly to get this addressed.
In order to file an online complaint with the RBI Ombudsman, follow these steps:
Log on to the official website and submit the details of your complaint (https://secweb.rbi.org.in/BO/precompltindex.htm)
Upload the complaint letter explaining the problem
Upload any supporting documents to support your complaint
Insert a copy of the original complaint written to the concerned bank
Also, insert a copy of the response received from the concerned bank
All these documents need to be uploaded on the website in pdf or .txt format only
All the best!
Cheers,
Team BankBazaar
I am holding an RD account in Axis Bank Mukherjee Nagar Delhi. It has not been deducted on time while last time I closed my RD account before muturity. I also contact to bank they said to me closed this RD and re-open then no issue will be occur. However, still i am facing same. Now i dont want discuss with branch now i want to discuss with Senior Concern authority of Axis Bank who can understand my concern and can fixed. Please suggest .Thank you.
Hi Pawan,
It would be best if you manage to contact the customer service of your bank to sort this out. If they still do not respond, you could try visiting the bank or writing to their head office. If there is still no response from the bank, you can contact the banking ombudsman. The Ombudsman is supposed to resolve your complaint within 30 days. If you are not happy with the response from the Ombudsman you could approach the appellate authority that comes under the Deputy Governor of RBI. We hope this helps.
Cheers,
Team BankBazaar
Hi,
I am writing this to inform you that I am temporarily out of work, which has caused serious financial difficulty for my family. I have workers’ compensation as well as unemployment, but these are just enough to pay my mortgage and feed my family.
Currently i have to pay my dues for HDFC Bank Loan, Yes Bank Credit Card and i am not in that situation to pay the dues for 1 month and i am daily receving calls from Bank Agents as well as employees of Yes Bank. Please suggest me what should i do. It would be very thankful to you. I will repay the dues between Feb 10-15, 2019.
Hi Antony,
We’re sorry to hear of your predicament. However, repaying your loan is a moral and legal obligation. We suggest you inform the concerned lenders of your financial situation and chances are, they’ll be willing to help you out or consider your situation.
Click here to know more about the options you can avail in order to repay your loan amount. In a situation such as this, it’s best to work in conjunction with your creditors and get all the help you can to emerge debt-free.
We hope this will help. All the best!
Cheers,
Team BankBazaar
what i can do if bank of baroda. submitted my pmay application but did not processed also 10 monts gone, still not giving satisfactory answer .
Hi Neelima,
We’re extremely sorry to hear this. If you’re unhappy with the response you receive from the concerned bank, we suggest that you write to the banking Ombudsman about it.
All the best!
Cheers,
Team BankBazaar
Sir,
Mera account jabalpur madhyapradesh ke napier town shakha me hai mera naam sushil kumar chourasiya hai mara account no 0052104000451192 hai Maine IDBI bank me cheque no 000009 lagaya but cheque me sushil bhare hone ke karan IDBI ne cheque return kar diya. me enquiry karne gaya to concern officer hemant reddy mile. main unse cheque retun ka karn puchha but hemant reddy ne bataya ki pura naam nahi hone ke karh cheque return ho gaya hamari aur hemant ki batcheet chal hi rahi thi ki bhich me interfair karne ke liye mr aamir aa gaye. uske bad mujhe mr aamir dhamkane lage aur manager ke kamre me le gaye. manager ne bhi mamla shant karne ke bajay mujhe police me arrest karane ki dhamaki dene lage aur bank me sare staff ne mujhe gher liya our satar band kar diya aur dhamkane lage. bad me bank manager ne mujhse ek juthi application likhwakar one hour bad mujhe chhoda. meri complaint yah hai ki jab meri aur hemant ki batchit chal rahi thi to bhich me aamir kyo aaya aur bank manager ne mamla shat karane ke bajaye mujhe dhamkaya. aur panch logo ka panchnama banakar ke police bulane ki dhamaki di
Hi Sushil,
Thanks for getting in touch. We’re so sorry to hear of your predicament. If you’re unhappy with the response you’ve received from the concerned bank, we suggest that you write to the Banking Ombudsman about it. All the best!
Cheers,
Team BankBazaar
I have done a UPI transaction os rs 20000 on 24 Jan 2019 , 8:22 am from my sbi bank using paytm aaps. my transaction got failed from paytm aaps but amount debit from my sbi account and that amount did not credit in my sbi account till now, i already raised a complain in paytm with ref id 108279730, sbi complain id 5184430084, and consumer helpline id 1137566. but my issues did not resolved till now.
Hi Adarsh,
Thanks for writing in. If you’re not satisfied with the response from the concerned bank, we suggest you write to the banking Ombudsman to resolve your situation.
Cheers,
Team BankBazaar
Respected Sir,
In July 2017, my Debit card was cloning over Nehru-colony Dehradun area (Uttarakhand) and they withdrawal (Rs. 160000) on my account No 10235957876, I had take necessary action against and forward all application to police to bank to cyber cell and all documents to my Bank but Now Bank just given me few amounts(Rs. 40000), in such year more than one and half year(1.6 year) i had suffer so many problems but bank never support and help us. Now Bank just elude on this matter just escape from this.
Hi Sarita,
Thanks for getting in touch with us. We’re sorry to hear of your predicament. If you’re not content with the response you have received from the concerned bank, we suggest you write to the banking Ombudsman to get a satisfactory solution. All the very best!!
Cheers,
Team BankBazaar
sir, actually yesterday i withdraw 8000 from atm in delhi…out of which one 2000 note was toren….and i didnt got a msg and nor a slip….so what should now i do….please help me…..thanks
Hey Amit,
Thanks for writing to us. We’re sorry to know of your trouble. The best solution is to walk into any bank branch, even if you are not a customer of that concerned bank, and get your damaged note exchanged.
We suggest you write an application to the bank manager of that bank of which the ATM was, including your name, the date of transaction, and serial number of the note and submit it to the bank. Ideally, the torn note will be exchanged. All the best!
Cheers,
Team BankBazaar
Dated: – 01-03-2019
To,
Kotak Mahindra Bank Limited
CIN: L65110MH1985PLC038137
27BKC, C – 27, G-Block, Bandra-Kurla Complex,
Bandra East, Mumbai – 400051, India
Tel No.: +91 22 61660000,
Fax No.: +91 22 67132403
Website: http://www.kotak.com
Sub: – Fraud & Malpractices by Kotak Mahindra Bank Limited
Ref: – CRN No. 187805870, 193890217 & 193890206
Dear Sir/Madam,
In regards to the below complaints we would like to update you that we opened our savings bank account with Kotak Mahindra Bank, Ground Floor, Mayur Garden, G S Road, Guwahati, Assam – 781005, India only upon getting assurance that we would be offered a Kotak Mahindra Bank Family Savings Account (Silk – The Savings Programme for Women) where we would only be required to maintain minimum balance of Rs. 10,000/- (In Words:- Ten Thousand Only) in one of the primary savings bank account only.
It is very same shameful fact that we are getting mail and SMS to maintain a minimum balance of Rs. 10,000/- and are being told that the family accounts were opened under edge category with AMB requirement of Rs. 10,000/- and no promo code for family accounts was given which are duly signed by the customer (us).
Bank Charges still have not been reversed for my connected family account bearing Account No. 9312381593 & 9312381586 and still Bank Charges are being levied in spite of having maintaining sufficient balance in my main account no. 0511731141. Kotak Mahindra Bank Limited has been found negligent in rendering services and have not complied with RBI Guidelines and Rules in regards to levy of Minimum Balance Charges. It also has been found guilty of misselling its banking products and services and making false assurance and claims to sell its products and services to the customers.
We would like to inform you your Kotak Mahindra Bank officials are misleading customers for opening accounts, making false claims, for fulfilling own financial gains at the cost of the customers. It seems that customers everywhere are paying a hefty price for their blind trust in companies with strong brand images. Kotak Mahindra Bank officials are taking undue advantage of the brand name to influence the customers and makes a strong pitch in favor of the Kotak Mahindra Bank Products to the customers. Kotak bank is a fraud, is doing clear injustice with the customers. We the customers are depositing our hard earned money in banks to keep it safe and bank itself is eating away our money. Hats off to banks like Kotak in India, poor Indian laws and poor common man of India.
Let us remind you of the IBA Code for Banking Practice:-
“Objectives
The Code is intended –
• to promote good banking practices by setting out the minimum standards which Member Banks will follow in their dealings with customers;
• to foster customer confidence in the banking system;
• to inculcate self-discipline amongst Member Banks with a view to promoting healthy competition and ethical practices in respect of banking services.”
Kotak Mahindra Bank Officials are fooling, cheating, misleading customers by giving false claims in regards to opening savings accounts so as to fulfil own targets and gains at the cost of the customers as evidenced from our case and many cases like us.
If someone makes a misleading or false statement about a product, it tantamounts to mis-selling, as do omitting or concealing material facts and associated risks about an investment product. We visited branches of several banks, including PSU outfits, foreign banks and new generation private banks. However, the modus operandi has not changed. Bank officials still try to mislead people into buying products they don’t need. Bank Officials does so because banks set stiff sales targets for relationship managers, forcing them to push products that fetch higher commissions instead of products and services that suit the customer’s needs. Most of the mis-selling happens at foreign banks and new generation private sector banks. The relationship managers are trained to stonewall any question from the customer.
In one case, one customer wanted to invest Rs 5 lakh in a fixed deposit in a foreign bank, the salesperson started pushing FDs from NBFCs. “The interest rates offered by these deposits are much higher than what our bank offers,” she said. What about the risk, I asked. Without batting an eyelid she said the FDs she was offering were from ‘reputed’ NBFCs and there was little chance of default. This comes right after the IL&FS fiasco.
Banks were found pushing sub-optimal, or risky products—most common was the push for Ulips—as a substitute to not just FDs but to the Senior Citizens’ Savings Scheme (SCSS), term insurance and gold bonds. Even granting bank lockers was subject to preconditions—investing in FDs, opening a savings bank account, buying insurance.
The below is one more case with Mis-Selling Bank Lockers:-
Since the demand for bank lockers is much more than their supply, most bank branches tie them up with some investment product even though the RBI has asked banks to stop this practice. The first co-operative bank one customer approached gave them the stock reply: “There aren’t any lockers available.” But then a bank official dangled a carrot: “We are planning to increase the locker capacity and you may get at that time. First you open savings account and then give us the application for a locker. We will give lockers based on first come first serve basis.” The PSU bank when approached demanded that customer open an FD of Rs 2 lakh to be considered for locker allotment. “We have few lockers and will give them only to premium customers. Either you open a new FD with us or start a savings account with higher average balance,” the official said. A new generation private sector bank was even more demanding and wanted the customer to purchase a Ulip with annual premium of Rs 1 lakh to get a locker. The senior official wouldn’t even entertain customer’s request to put money in FDs or invest in mutual funds to get a locker and insisted on Ulips.
Most of the Bank’s sales-focused culture elevates the risk that employees may flout consumer protection rules. Targets and financial incentives had contributed to a culture in retail banking that heavily emphasized sales, and that oversight measures to protect consumers were not sufficient. This environment increases the potential for mis-selling products and services that may be incompatible with consumer needs and financial situations, as well as breaching market conduct obligations. Banks’ increased focus on sales and advice in their branch and call-centre operations — sharpened by technological advances — have outpaced controls to mitigate the risks of rule-breaking or selling customers products or services they may not really want or need. Financial and non-financial incentives may heighten the sales-related risks. Compensation programs with variable pay as a significant component can lead to mis-selling because employees may look to increase sales to maximize their commissions or rewards. While employees who don’t hit sales targets aren’t generally fired, they do receive coaching or training, and those who stick around or get promoted tend to be those who thrive in a workplace culture focused on sales. Moreover, a recent shift towards “more customer-centric sales practices” is still primarily aimed at helping employees nail down sales opportunities. Banks have also outsourced sales of credit cards and other products to third parties with weaker oversight and sales targets that could encourage the use of “high-pressure tactics.”
There are “numerous instances” of inadequate investigations of consumer complaints as well. This followed a recent report by the Ombudsman for Banking Services and Investments, which can investigate the complaints of customers who weren’t satisfied with the banks’ internal dispute-resolution system, that found its banking-related complaints increased last year.
To be fair, not all bank employees are bad apples. We had also very much good experience with some other Nationalized and Private Banks.
Bank employees roam everyday around the customers when customers have large amount of cash lying in their accounts. As soon as cash is no longer available they cannot be seen anywhere nearby.
Again bank can now claim that the customers (we) have signed on various forms as given to us at the time of opening of accounts. That’s true but let me tell you that all the customers’ signs all the forms in good faith and trust only and as per verbal & telephonic conversation had with the officials and nobody tries to read each and every terms and conditions as mentioned in the forms. Customers trust the words and assurances of the officials only.
So we can now see that the end customer cannot do much in the court of law as there is no evidence of assurances given by the bank officials and court will only consider our SIGNATURE on the Forms only as an agreement.
Time is now for RBI to change/update the old rules and guidelines and ensure that Banks needs to record in facts and proofs that the customer has been properly and completely made understood and guided all the terms and conditions of the banking products and services before taking up the banking products and services so as to avoid generation of cases like ours. In this way fraud banking officials will not be able to misguide any customers easily and cases like ours will not arise. All Telephonic calls had with the customers should be recorded and preserved for future references. All CCTV footages should be recorded as well.
Kotak Mahindra Bank and all other banks must should properly train and guide all its officials to follow all the rules and good practices which are supposed to follow. It should be implemented on ground level. Formally Signing of code of conduct on paper should does not serve the purpose unless everyone follows the same on the ground level. Banks should set up a formal framework to oversee sales practices, that oversight of consumer complaints be improved, and that compensation strategies for employees are geared towards the interests of consumers.
How, Where and when do these objectives of promoting ethical practices in respect of banking services do Kotak Mahindra Bank Officials Performs? How it is being checked?
As per any our experience is concerned with the Kotak Mahindra Bank and many other Nationalized and Private Banks, it is only ensuring its financial gains out of all these and does not care about customers at large. Kotak Mahindra Bank has nothing to do with any ethical practices.
So This Is The Real Ethical Practices Of Fooling, Mis-Selling, Mis-Leading Followed By Kotak Mahindra Banks Officals.
We would like to put the said branch officials put to lie detector test to bring out the actual truth.
We Would Never Recommend Kotak Mahindra Bank To Anyone.
With This Letter We Would Like To Request RBI And Concerned Banks To Take All Necessary Checks And Systems To Stop All These Mis-Selling And Frauds And Resolve Our Case On Urgent High Priority Basis.
@KotakBankLtd #WorstBank #KotakSucks #KotakisLooting #SayNoToKotak #Scam #FuckKotak #KotaklisWorst #FakePromises #Trouble_with_Kotak #Boycott #BoycottKotak #AbolishKotak #AbolishKotakBank #ShameOnKotak #Worst #Fail #KotakCares #Kotak #KotakBank #KotakMahindra #KotakMahindraBank #Patheticbanking #FraudBank #FakeMarketing #KotakFail #BanKotak #RBI #UdayKotak #Harassment
From,
Asha Kanta Sharma
made_ash@yahoo.co.in
+91-98642-72826
Hi Asha Kanta,
Thanks for getting in touch. We are so sorry to hear about your problem. We suggest that you write to the headquarters of the concerned bank, and if you’re not satisfied with the response you receive, we suggest you register a complaint with the Banking Ombudsman. We sincerely hope this will help you!
Cheers,
Team BankBazaar
Dear sir,
हमारा छोटा सा व्यवसाय है, हमे सिक्के की वजह से लेनदेन मे बहुत
दिक्कते होती है | क्योकि बाजार के बड़े व्यापारी सिक्के लेने से मना कर देते है और बैंक भी सिक्के नहीं लेती बैंक का कहना है कि हमारे पास पहले से ही सिक्के स्टॉक है | अब हम यहां पर क्या करे?????…
Hi Saurav,
We are sorry to hear about your problem, but please note that we are not the bank. We suggest you report this issue to the bank manager to get a response on this. If you’re still not happy with their reply we suggest you write to the Banking Ombudsman to sort this out. Hope this helps!
Cheers,
Team BankBazaar
I didn’t gave any ECS mandate request or any kind of EMI or signature verification request
Still my account has been debited with INR118 on 1.05.2019
..
Hi Surendra,
Thanks for writing in. We’re extremely sorry to hear of your predicament.
We suggest you reach out to the concerned bank and report this issue.
If you’re not satisfied with the repsonse you receive, we suggest you write to the Banking Ombudsman.
Hope this helps!
Cheers,
Team BankBazaar
I have loan account on canfin homes. I have paid extra amount which supposed to be deducted from my principal amount, but bank is not reducing principal amount and showing in statement as excess payment and adding interest on this amount on every month. Please let me know what needs to do as bank is not listening on this.
Hi Susanta,
Thanks for writing in. The bank shouldn’t be doing this. Check your loan document for the prepayment process. Please reach out to your bank to resolve this issue. The amount should either reduce your interest or principal. In case you’re not satisfied with the response you receive, please reach out to the Banking Ombudsman. We hope this helps!!
Cheers,
Team BankBazaar
Hi, Same thing happened with me also, Canfin is not responding to my mail. what did you do?
Hi Shubham,
Thanks for writing in. Please check your loan document for the prepayment process. Please reach out to your bank to resolve this issue. The amount should either reduce your interest or principal. In case you’re not satisfied with the response you receive, please reach out to the Banking Ombudsman. We hope this helps!
Cheers,
Team BankBazaar
Hi ,
I have Dispense Rs 3000 today from my office ATM of Citibank and found that the Rs 2000 note has something written through pen on it. Spoken to My Bank manager who is from Bank of india but they mentioned they could not do anything and I have to go to any Citibank branch regarding the same. This is one of the situation where iam stuck and have no solution to it. What should I do.
Hi Meenakshi,
Thanks for stopping by. We’re sorry to hear of your plight. As per RBI guidelines, you can walk into any bank branch, even if you are not a customer of that bank, to get your damaged notes exchanged. Remember that any note with slogans and message of a political nature written across it will not be circulated by the RBI.
You can exchange that note in any bank branch of any bank in India. They will give you a fresh note and in return the bank branch will forward it to the RBI. You can also use damaged notes to pay utility bills and taxes or even deposit them in a Savings Bank account.
We suggest you try to exchange the note at another bank. If that doesn’t work out as well, we suggest you write to the Banking Ombudsman detailing your concerns. Hope this helps!
Cheers,
Team BankBazaar
Hello Sir,
I am Subhash Shankarrao Gurav, My Saving account in HDFC Bank which is branched at Aundh Pune.
I transferthe payment of Rs. 3000/- through NEFT transfer on 23rd July 2019 to my chartered accountants A/C. note thattransaction no 920409174529 dt. 23/07/2019 is wrongly credit to Union Bank of India from my account in favor of 5468xxxxxxxxxxx3 instead of Ganesh A. Gaikwad account Union Bank of India A/CNumber : 5468xxxxxxx929 I filled a last digit incorrect that’s why payment had goneto other person accounts
I complained to bank now 3 month has been passed but there is no update of complain from bank.I also complained to regional branch manager office but they are telling it will take time not giving any approx period for resolution. What I should do now.
Hi Shubhash,
Thanks for stopping by. We’re extremely sorry to hear this. In the event of a transfer of funds to a wrong bank account, banks do not have the authority to reverse it from their end unless they receive an approval from the beneficiary. In such a case, if the amount has been credited, it is not easy to get the money back unless the receiver agrees to return it.
We suggest you write to the concerned bank detailing the specifics of the beneficiary’s account. The bank may be able to act as a facilitator by providing you with the contact number/branch name of the unintended beneficiary.
In case it is an intra-bank transfer, the bank may approach the recipient on your behalf and request a reversal of transaction. If the beneficiary agrees, the transaction will be reversed within one working week. If the beneficiary is of a different bank than yours, then you have to personally visit that particular branch and meet the bank manager to get the situation resolved.
In case the beneficiary refuses to acknowledge that the transaction was incorrect, you can file a legal complaint as well, but remember to back your case with proof. Taking the legal route will be more complex if your bank and your beneficiary’s banks are different or are in different cities.
Unfortunately, no recovery is possible if the beneficiary contests the reversal. We hope this addresses your query.
Cheers,
Team BankBazaar
This complain is regarding the Personal loan 160000 which i have taken from HDFC BANK it was automatically disbursement which was offer by bank to me on my salary account. Bank did not inform me that my first EMI will start from March 2019.which is wrong ideally my first email should go in month of Feb, they are inform me over the call that its depend on their bank cycle. To achieve the bank target HDFCbank make fool to customer, without informing any TC. I am sure many salary holder who have take loan form HDFCBANK. they might have dont no when there first EMI went.
Why should I follow the bank cycle if they have not informed me about the EMI in advance? Also they have not told me for the loan closure details.
Now when i want close this PL they are telling me you cannot close before 12 month EMI , and top of that they are telling me you have to pay foreclosure penalties. Why should I pay this, this Bank fault?
When my amount got disbursed ideally my first EMI should go in month of Feb and Jan 2020 where its counts as 12 months. This big fraud what HDFC bank is doing with many salary account holders. With out informing about the Personal loan EMI and closure, just disbursed the amount to customer account just to achieve there bank target. And the reply i get in 5 working days. And now bank is sharing the PL agreement which should be share before the PL disbursement.
Hi Vishwaroop,
Thanks for getting in touch with us. We are so sorry to hear of your predicament. Unfortunately, we aren’t the right people to advice you on this query. We suggest you reach out to your bank directly regarding this. If you’re still unsatisfied with the response you receive from the concerned bank, then you can write to the Banking Ombudsman to help you solve this issue. All the best!
Cheers,
Team BankBazaar
5000 rupees deducted in my account due to my negiligance hacker hacked my account, I have share my upipin. PL tell me what I can do. Is it possible money will be back in my account. My account in Bank of India I have used Phone PE app.
Fraud name.. Rahul Kumar
Place in haryana.
Hi Ram,
Thank you for getting in touch with us. We’re so sorry to hear of your predicament. The first thing you need to do is to get in touch with the concerned bank and inform them of the unauthorized charges.
The sooner you contact the bank and provide them the details of the unauthorized transaction, the better. The concerned bank will be able to assist you. The policies and procedures will vary depending upon the bank. Hope you are able to resolve this error soon. All the best.
Cheers,
Team BankBazaar
Hello Sir,
Kisi RD account me SI command chalana Miss Ho gya ho uss month me jab RD open ki thi toh yadi next month mein SI command chalaya jaye toh Koi problem hogi kya? Aur Phir solution kya hai?
Hi Rounak,
If you’ve missed giving Standing Instructions at the time of opening your RD account, you can still set it up now. For the months that the transactions have been missed, you will need to manually transfer the amount to your RD account. Hope this helps.
Cheers,
Team BankBazaar
Sir mera loan capital first se hai 1135 ki sir lock down me mere account me paisa hone ke bawajood emi na kaat ke ECS mandate charge 599+599+599 3 baar kaata gaya me bank jakar canara me bola to waha ke bank wale kahte hai isme me ya bank kuch nahi kar sakte jaha se loan liya hai waha baat karo capital first me complain to ki waha se bhi koi resolve nahi ho raha sir please help kare sir garib hu ass waqt ba muskil maine apne account me 6000 the wo baar baar paise kaat rahe hai mera account no 4890101002253 hai
Hi Farooque,
Sorry to hear about your current predicament. We advise you to get in touch with the bank you have your loan account with. If they’re unable to help you, you can consider writing to the Banking Ombudsman.
Cheers,
Team BankBazaar
Resp.Sir,
on 24/04/2020, in my BOI saving account six debit transactions are made & INR 95500/- is debited , without any
OTP or message before debiting thse amounts from my account. Bfore that on 20/04/2020 I was done online transaction with google pay, & not any transaction on 24/04/2020.
Thanks & regards,
Sunil Gaikwad
Hi Sunil,
If the transactions that you’ve mentioned were not authorised by you, we would advise you to get in touch with your bank immediately. It is possible that these were fraudulent transactions. You may have to lock your Debit Card to prevent further fraudulent activity on your card.
Hope this helps. All the best.
Cheers,
Team BankBazaar
Hi Team,
MY bank is creating problem and also delaying in issuing the foreclosure letter. Can I file a complain against the bank in RBI ?
Regards
Hi Ranjan,
We’re sorry to hear this. You can surely get this issue looked into by writing to the Banking Ombudsman. The RBI won’t able to help you in this regard.
Cheers,
Team BankBazaar
I’d like to thank you for the efforts you’ve put in writing
this website. I am hoping to check out the same high-grade content by you in the future as well.
In fact, your creative writing abilities has inspired me
to get my very own website now 😉
Hi Ancient Technology,
We’re glad you found our post useful. Keep reading our blog for more insights into the world of finance.
Cheers,
Team BankBazaar
Sir,
I have taken a personal loan from Bajaj Finance Ltd. on February 2020. After that I paid 3 EMI to them (April to June). Due to COVID-19 they offered Half EMI for two years and converted the loan into Flexisaver Loan.
Due to lock down Loan Amount could not used as per my plan. So I return back the Loan Amount with extra charges through Foreclosure option in the Bajaj Finance website. Now they saying I cannot close the Loan before six EMI as per the Agreement.
If I cannot close the Loan before 6 EMI, why they given foreclosure option in the website? Why they closed my first loan through foreclosure option after 3 EMI as agreement was after 6 EMI.
Due to lock down I am not getting salary properly. I am not in a position to pay EMI. Can I stop EMI from Bank now?
Awaiting for your valuable reply asap.
Regards,
Hi Prakashan,
Given the nature of the issue, we suggest you lodge a complaint with the Banking Ombudsman. If you still get no response, we’d advise you to get in touch with a lawyer regarding this.
Cheers,
Team BankBazaar
Hi Ravi,
The new interest rate will not apply to your Home Loan since your Home Loan rate is linked to the repo rate and not the margin/spread. If you still have questions regarding this, we suggest you speak to your bank to get your queries clarified.
Cheers,
Team BankBazaar
Sir,
This is with regard to the information under Right to Information Act of my mother and Father Account, who is holding an account with SBI Bank.
My mother and father died in 2019 in suspicious circumstances. I had requested the bank manager(State Bank of India) HAL campus branch Balanagar, Hyderabad on 5th June 2020 regarding
the information of details of bank accounts under RTI account and I had submitted all the documents of Request letter with a Death certificate,
Ration Card of the family members, And also provided my Aadhar card and pan card along with DD of Rs.10 as per their process. they had taken the documents and branch Manager had given
the acknowledgement for the same. Till date, they had not provided any details regarding the same.
Hi Vijay,
We’re sorry to hear this. Get in touch with the bank again. If they don’t revert, please write to the Banking Ombudsman with your complaint. Hope this helps.
Cheers,
Team BankBazaar
Hi Team,
I wrote to bank regarding the issue for wrong billing, but no resolution, and after that I have registered my complaint with banking ombudsman on 6/07/2020, so far I could only see the status as Complaint registered , whereas it should move to next steps which says complaint with RBI.
Can you help me on this.
Regards
Deb
Hi Deb,
Given the seriousness of your problem, we would advise you to get in touch with a legal adviser at the earliest.
Cheers,
Team BankBazaar
Hi Sir, I have taken education loan in IOB, kurudamplayam branch. i was asked to give my LIC bond as custody along with house document. I fully paid my education loan in year 2012. continuously i took sahayika loan and hence i didn’t get back my documents. Currently my LIC bond is matured, and i asked with LIC office. they told it is in IOB bank’s custody. so you need to get bond from them like that. I asked the IOB manager, they scolded me and not giving any response. I am in panick. don’t know what to do. I went 4 times to bank after getting permission from company. i got dejected by their response.
Kindly guide ,me what to do next.
Hi Saravanan,
We’d advise you to write to the managing director of the bank to bring your issue to their attention. Otherwise, you can also consider registering your complaint with the RBI Banking Ombudsman. Hope this helps.
Cheers,
Team BankBazaar
I am Kuldeep Kaur and Jagtar Singh we have taken housing loan from India bulls Housing Finance Ltd. The commiitment as per agreement for interest charged was 11 % but they increased and charged upto 14%, I have requested to reduce the interest already charged for the previous period, but they refused, This is very high interest rate, and the company is not ready to listen. Please suggest, tHEY ARE ALSO voilating the rul e of RBI for excess interest charged without intimation to me.
Please advise what should I do in this matter
Hi Kuldeep,
Did you opt for a Home Loan with a floating interest rate? If you did, the bank can change your interest rate from time to time. However, the bank should still intimate you before it does so.
Cheers,
Team BankBazaar
Respected sir
I am customer of ICICI bank in 17/8/2020 i am going to indsund bank atm time 5 to 5;30 aprox iam using atm card icici bank for money but my account debited in 3500 rs but i am not ricive money and i am com plain in icici bank 18/8/2020 but icici bank not respond me and he asked me in 21 days waiting for complain plz sir take action .
Hi Asheesh,
If you’ve informed the bank please wait for the duration as mentioned by the bank for the transaction to be reversed. It should get reversed before that time. Else, please write to the higher authorities in the bank or visit your bank branch to get the issue addressed.
Cheers,
Team BankBazaar
from my account on 01.09.2020 debited Atal Pension Yojana Amount 577 twice . when i communicate with customer care they told me that go to nearest branch it is not possible for him to do online with customer care. when i go to branch they told that you can calim refund by calling in customer care. sir, plse what i do now…
Hi Mayuri,
Try to get the issue resolved at the bank branch only. Speak to the manager of the branch if your issue is unheeded or even write to the regional manager of the bank.
Cheers,
Team BankBazaar
In last two years, I lodged 3 complaints about Vijaya Bank in Vijaya Bank. Whenever I asked them for Complaint Register, they never had it. They always kept me waiting for 15 min to 25 min. Then they make some other register to complaint register and asked me to write my complaints on it. Is it right? can I lodge a complaint about it in RBI.?
Hi Sunil,
Please file your complaint with the Banking Ombudsman.
Cheers,
Team BankBazaar
Dear Bankbazar Team,
I, Krishna P. Gadde, have taken Home loan 40 lakhs from Syndicate Bank, Garden branch-Guntur-Andhra Pradesh. in 2018 and we were being paying installments regularly till now, fortunately RBI reduced interest rate from 8.65% to 6.95%(1.7%) , therefore I sent request letter and submitted bank format duly signed by me and my wife, and requested not to reduce EMI amount, reduce EMI tenure but the concerned branch loan officer and manager trying to execute EMI reduction in consultation with their regional office, which is not at all justifiable to the customer, I have done calculation – almost loosing 40%-45% amount ie t 4-5 lakhs for the period of 15 years if I accept EMI reduction instead of EMI Tenure.
Apart from that I have enquired- gathered information from SBI, HDFC, ICICI bank and they strictly follow as per customer request. but the syndicate loan officer & manager did not follow and they blind follow their head office , Bangalore instruction and they reluctant to accept our request, even I sent mail to Customer care Bangalore and branch office but I did not get any response.
I am not able to approach bank due to Corona and away from Country.
My quarry to Bank bazar is
1. Any RBI guidelines on EMI amount and tenure decision to put forward my complaint through Bank Lokpal
2. Or How to proceed further in this matter,
3. the bank manager blindly follow regional office direction., and they do not have any guidelines
4. No proper documental evidence on above or RBI guidelines from any bank.
I would appreciate if anybody could arrange to send RBI guidelines especially on EMI decision, then it will be easy for me to convince banks or legal fight for it.
Thanks & Best Regards
Krishna P Gadde
Eritrea-Africa-+291 7455003
What’s app: +91 9908784290
Date 21.09.2020
I sent below mail to customer care but no response yet:
Dear sir,
This is Krishna P. Gadde, from Andhra Pradesh, more than 25 years regular customer from Syndicate bank, by having FDs. with good customer service and hopes.
In 2018, we have taken home loan Around 40 lakhs from Your esteemed bank, Brundavan Gardens-Guntur -AP. @ 8.65% with Floating type interest rate as per details below:
Name: Krishna P.Gadde & Sreevani Gadde
home Loan acct no:32769740000697
and I requested to reduce interest rate as per prevailing rate, the concerned officer informed me that the interest rate will be fixed once final disbursement is done, but it did not happened, and my wife
is paying regular EMI promptly as I am out off country.
Few months ago the interest rates have been reduced, we felt that the bank will do needful automatically or inform to customer as we selected floating type, but it did not happen, therefore my wife approached bank then they provided papers for filling /signature and it took almost 20 to 25 days. now the bank wants to reduce EMI amount from Rs42400 to Rs39049., but we would like to keep same EMI and reduce EMI installments and it would be benefit to the customer and all other banks doing especially SBI, ICICI etc.
I am shocked that all govt. banks not following same guideless and it is great loss for me and few of them whom I recommend to take loan from Syndicate bank.
Therefore, now I would request your good office- please confirm your bank stand on two aspects.
1. Whether Customer will be notified such interest changes increase or vice versa as we opted floating type as other banks are doing it. 2. Whether Syndicate bank give selection option to customer either EMI installments reduction or EMI amount reduction based on their financial situation as others banks doing by default EMI tenure reduction and it is appreciable and benefit to the customer, who has capable to pay same EMI amount.
The concerned bank branch manager and officer may not having proper idea in this regard and very poor response from Concerned head of the bank and I did get response after several reminders during this pandemic situation. I feel there is no dedicated person for such loans like SBI and others.
We do expect prompt response from Govt. banks, compete to private bank at least SBI.I presume the concerned officer may respond and do expect some action in this regard.
Awaiting for your quick action and response please.
Thanks & Best Regards
Krishna
+2917455003
Hi Mr. Gadde,
We request you to file a complaint with the Banking Ombudsman regarding this matter. Else, you can think of getting in touch with a lawyer if your issue remains unresolved.
Cheers,
Team BankBazaar
Dear Sir
I have purchased through HDFC BANK , SOVERIGN GOLD BOND ,on 4th Sept .
Throiugh HDFC Employee from HDFC EMPLOYEE FROM JAI STAMBH CHOWK BRANCH ,RAIPUR.
Still the bond details not reflecting in my DEMAT ACCOUNT.
Kindly guide me in this regard
Regards
GODA SHIVA KUMAR
9039772537
Hi Shiva,
We request you to please check with your bank regarding this.
Cheers,
Team BankBazaar
Dear Sir,
I had a Current bank account in corporation bank and accidentally transferred money into one of my saved beneficiary which is current a NPA account . I filed a compliant within the bank by mail and a letter and still they havn’t replied yet. Please suggest me the solution what should i do. The beneficiary is ready to acknowledge that the transaction is accidental .
Hi Satyam,
You can lodge a grievance with the grievance cell of the bank. If you still don’t get any response, you can approach the Banking Ombudsman with your complaint.
Cheers,
Team BankBazaar
Respected Sir.
Today i received one phone call from mobile no 9832850759 saying calling from BSNL customer care and we have to complete KYC on phone for sim during this he hijack my phone thru team viewer and transfer Rs 24800 from my HDFC bank thru net banking from my account no 02851050003085 and 00781460004842 i am attaching bank statement for your kind reference pls.
ID in Debit narration : 11000028647986 ATOMMGALLA and 11000028651577ATOMMGALLA ,,,,cheque/ref no 211704564492 and 211704564411
Pls take immediate action so that this amount can be transfer in my account
I Have also registered complaint on HDFC bank toll free no Complaint no as mention below
SACHIN GUPTA ACCOUNT NO 02851050003085-MUMP0621272602
AARNA-GOYAL ACCOUNT NO00781460004842 MUMP0621272580
I have also logged complaint in cyber cell saharanpur
Regards
Sachin Gupta and Aaarna Goyal
9412602929
8126632826