Failed ATM transaction, what to do?
ATM stuck up, or not honored cash but amount debited from account, transaction unsuccessful but amount debited, likewise there are several complaints about ATM discrepancy. If anyone suffers the ATM discrepancy then first ensure through the statement whether the amount is really deducted from account. If so then visit your parent branch and make a written complaint about this and obtain the acknowledgement.(Issuing Bank - The bank that issued your ATM/Debit Card) to be mentioned in complaint.
Wait for 30 days for banks response. If there is no response from bank after 30 days. You can approach banking ombudsman. One can make complaint through online, through post , by physically submission. While approaching banking ombudsman give all the particulars of your transaction in your complaint to BO, such as:
1. Your bank, account number, and branch (where you have your account)
2. Name of the bank whose ATM was used and ATM location
3. Date and time of transaction
4. Amount of attempted withdrawal
5. Amount actually dispensed (if dispensed less amount) or no cash dispensed
6. Copy of the transaction slip
7. Details of your complaint / complaints to your own bank and acquiring bank and their response, etc.
8. Your Name, Address, Phone Number, and Email ID clearly in your complaint so that BO staff can contact you in case of need.
Important:
Do not file complaint before Banking Ombudsman through a lawyer. Such complaints are not eligible and are straight away rejected, and do not file complaint before a Consumer Forum before going to Banking Ombudsman. If your complaint is pending before a Consumer Forum or any Court of Law, Banking Ombudsman will reject your complaint.
Addresses of offices of Banking Ombudsman and their areas of operation are given in the below link.
http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=164
Link for online complaint facility is available here below
https://secweb.rbi.org.in/BO/precompltindex.htm
File your complaint as soon as possible after getting a response from your bank. However, if your bank does not respond, you need to wait at least for 30 days before approaching the BO.
Note:- If justice not received from banking ombudsman also there is a provision to knock the doors of consumer court.
ATM stuck up, or not honored cash but amount debited from account, transaction unsuccessful but amount debited, likewise there are several complaints about ATM discrepancy. If anyone suffers the ATM discrepancy then first ensure through the statement whether the amount is really deducted from account. If so then visit your parent branch and make a written complaint about this and obtain the acknowledgement.(Issuing Bank - The bank that issued your ATM/Debit Card) to be mentioned in complaint.
Wait for 30 days for banks response. If there is no response from bank after 30 days. You can approach banking ombudsman. One can make complaint through online, through post , by physically submission. While approaching banking ombudsman give all the particulars of your transaction in your complaint to BO, such as:
1. Your bank, account number, and branch (where you have your account)
2. Name of the bank whose ATM was used and ATM location
3. Date and time of transaction
4. Amount of attempted withdrawal
5. Amount actually dispensed (if dispensed less amount) or no cash dispensed
6. Copy of the transaction slip
7. Details of your complaint / complaints to your own bank and acquiring bank and their response, etc.
8. Your Name, Address, Phone Number, and Email ID clearly in your complaint so that BO staff can contact you in case of need.
Important:
Do not file complaint before Banking Ombudsman through a lawyer. Such complaints are not eligible and are straight away rejected, and do not file complaint before a Consumer Forum before going to Banking Ombudsman. If your complaint is pending before a Consumer Forum or any Court of Law, Banking Ombudsman will reject your complaint.
Addresses of offices of Banking Ombudsman and their areas of operation are given in the below link.
http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=164
Link for online complaint facility is available here below
https://secweb.rbi.org.in/BO/precompltindex.htm
File your complaint as soon as possible after getting a response from your bank. However, if your bank does not respond, you need to wait at least for 30 days before approaching the BO.
Note:- If justice not received from banking ombudsman also there is a provision to knock the doors of consumer court.
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