Fraud with account?

Question

Myself Trupti  i have pension account  with worli north branch code no :290.i wany give my complain aganist branch and branch staff of mr Girish Dabholkar, MR k k shukla and cashier MR. MOre, because they are not solve my problem.
on date of 21/12/2015 my elder brother went to branch for the updation of passbook because every month i received Rs 1000 pension in my account, for that my brother going every month update the passbook.when he saw my update passbook he call me because there was withdraw of rs 10000 date of 7/11/2015, he thought i self withdraw but without my passbook how can i withdraw that amt and without my brother i m not doing any banking transaction  i met above staff but they are not giving me satisfy result please i m very poor women and Rs 10000 is very big amt for me please take my complain and give me good result

Answer 1

Dear Trupti

At the outset, let me clarify that this site is designed and managed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

If you are sure that the withdrawal of Rs.10000/- made on 7/11/2015 from your account was not made by you, please immediately handover a written complaint to the branch manager, demanding for details as to how the debit was made, whether through a cheque or ATM.  If cheque, it should bear your signature and instructions for withdrawal.  If through ATM, it should be with a help of a debit/ATM card and related PIN, both of which must be in your control.  Pl obtain an acknowledgement from the branch / manager for your complaint.  Based on the details furnished by the branch regarding the debit in the account, you may take it up accordingly.  First be sure that the withdrawal was not at your behest for future course of action.  If the branch response is not to your satisfaction, you may further take it up, as per the process given hereunder.

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email). For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website https://bankingombudsman.rbi.org.in/.

RAJA

Answer 2

Hi Trupti,

At the outset, let me clarify that this site is designed by a group of senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Your bank has to necessarily satisfy you regarding the authenticity of  the withdrawal  of Rs.10000/- which you are disputing. I suggest you to directly approach the branch manager and demand to show you the transaction voucher (cheque or withdrawal slip) for examination. If you find the drawer's signature thereon does not match your signature or if you  suspect your signature has been forged, lodge a complaint then and there. The complaint is to be recorded in the 'Complaint Register' which every bank branch is mandated to maintain under RBI guidelines. 

The advantage of lodging your complaint in the complaint register is, one you will get an immediate acknowledgment, second the complaint will have  to be resolved by the branch/bank within definite a time frame.

In case you do not receive appropriate response from the branch, without losing time, escalate the matter to Nodal Officer of the bank whose details will be available on the bank's website. 

If you do not receive any or satisfactory response, without hesitation take up the matter with the Banking Ombudsman through email or letter, narrating your complaint in sequence. I am sure that your compliant will receive due attention and resolved to your satisfaction. 

For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website https://bankingombudsman.rbi.org.in/

 

Regards

 

J R Mohandas