Harassed by the bank
SHRITI GULATI
(Querist) 10 December 2015
This query is : Resolved
I am running a saving account in Allahabad Bank,I have submitted written request(ATM Lost) in bank on 31 Oct 2015 , I have mailed so many time to branch, ZO, HO,and Nodal Officer I have also registered my complaint in RBI bank ombudsman portal.After suffering for more than one one finally I have received my ATM on 9 Dec 2015 but My surname is not printed on my ATM. once again I have mailed my complaint to Chief Managing Director.
In view of the above I would like to know that, can I move my case on district court or I have to go in Consumer Court.
I want to file harassment case against the bank employees.
Kindly suggest me how can Indian law help me to get justice?
Kumar Doab
(Expert) 10 December 2015
This is unprecedented delay and you seem to have written record.
Approach DCDRF.
SHRITI GULATI
(Querist) 10 December 2015
Should I go for compensation?
Rajendra K Goyal
(Expert) 10 December 2015
Procedure for issuing Duplicate card and stoppage first may have taken time which does not seem to be abnormal in your case.
When the card was posted to you by them?
If your card is not having name in accordance to your account details, approach branch to rectify the mistake.
Kumar Doab
(Expert) 10 December 2015
If you have not issued written instructions to print your name with sirname on ATM card then no change can be made by the bank.
Has the bank given any reply to you?
If bank is deficient, then it should offer to compensate as per its internal compensation policy, and supply the copy of policy.
The banks/bankers are becoming deficient and arrogant and arm chair managers.
So many officer approached but no one was able to get it done in time if not quickly!!!!
You want to penalize and you may approach DCDRF.
Let them learn this way.
SHRITI GULATI
(Querist) 10 December 2015
Thanks all for your suggetions
I have called to Allahabad bank ATM division and they told me that "it's your branch fault because first they submite your request after a half month and secondly they fill only your first name."
I have already deavtivated my ATM through phone banking.
I have mailed to branch on 6 Nov 2015, for seeking information on ATM status but I have not received any reply till 21 Nov then I have mailed again and sent reminder on 26 Nov 2015. They replied me on 27 Nov 2015, " we takes more then one month for issue new ATM.
My point is why bank taken almost one month for give information on my ATM status?
I don't want any money from bank but want to teach them lesson.
Kumar Doab
(Expert) 11 December 2015
You may quote the call (mention date/time/name/reply) made to ATM div, and their declaration that BM of your branch is deficient.
You have succeeded to extract a written reply that too, after reminders.
These should suffice to award them with penalty from DCDRF and next time they shall be not high headed.
Meet your able lawyer specializing in consumer matters.
H.M.Patnaik
(Expert) 11 December 2015
U can safely follow advice of Mr. Kumar on the matter.
K.S.Srinivas
(Expert) 14 December 2015
File a complaint with the District Consumer Disputes Redressal Forum.
T. Kalaiselvan, Advocate
(Expert) 19 December 2015
In my opinion there is no inordinate delay in the bank's action on your application. Firstly you were in a hurry hence you started approaching one by one higher officers including Banking Ombudsman within a span of one month from the date of incidence, i.e., without even giving breathing time to the bank officials. The Bank staff are over burdened these days with lot of problems like yours to be addressed every day and all the customers are important to them so they may prioritize issues chronologically. In between there may be many constraints like bank holidays, concerned staff going on leave due to some urgent requirements and many factors.
So being a little patient would have fetched you the desired result by now, instead you have been made restless again due to some minor mistake a(which might be due to error or intentional.
The bank staff are not machines, they too are human beings so some consideration to be given to understand their everyday plights.
After this also if you plan to take this issue to a consumer forum, you may proceed but the grounds are not sufficient warranting a strong case against the bank.
