i am having a savings account in axis bank.due to some reasons i was unable to maintain the required balance of 25000.there fore after few days i noticed that the account was showing balance in negative....due to some issues i left the account and not use it anymore
after few years i found that the negative balance was around 1400 so i deposited the amount and thought to use it
hence after the deposit of 58000 it directly deducted the negative amount and after few days it again deducted 9000....after few days i visited the bank and the employee said that it was non account maintenance charge.....
*according to rbi guideline of 2014 banks are not allowed to show negative balance of non maintenance
*rbi has further some guidelines in respect to mab charges deduction infact it should be in a proper proportion
what should be my further steps.....shall i take a copy of balance deduction from bank and make a complain to rbi online portal or i shall now proceed with any step because it might be mine mistake
would thankful to you sir......for your advice
File a complaint to the Banking Ombudsman in your region. You can also file a complaint case in District Consumer Forum for unfair trade practice.
