I have an account with Airtel Payments Bank. They put my account on hold and did not inform me. I realised it after sometime that they have put my account on hold.
I emailed them and they replied that my account has been put on hold because of fraudulent transactions. I requested them for the details but they kept on ignoring it and asked me to visit a banking point to get a biometric transaction done.
I raised the grievance with nodal officer, grievance officers, principal nodal officer of Airtel, but everyone just asked me to visit the banking point. I denied saying that I need a home visit, which they initially denied and then mentioned that they had sent someone to my place to get the biometric transaction done. I was clearly lied to.
Then I raised a complaint with the RBI Ombudsman, after which they became active and I received requests to visit a banking point or arrange a home visit. But I kept on asking why my account was put on hold. I requested them the transactions that were marked as suspicious. However, they stopped replying and I got no resolution from them.
I finally visited the banking point and got the account unlocked. It has been more than 2 months and RBI has not addressed my complaint. To this day, Airtel has not replied as to why my account was put on hold.
What are my legal options here to punish Airtel and claim a compensation for not furnishing details of putting my account on hold? I even sent them a legal notice, but no response again.