Bank Of Baroda — improper response and simply putting penalty interest, money mismatch/ lost from account without even a single reason

Hi team,

As per the subject matter, i have account in vijaya bank which was created approx 3yrs before. Bearing account number: [protected]/ [protected].

Small brief:
My savings account number is [protected]/ [protected]
I have taken gold loan for rs 3, 00, 000/- and it's account number is [protected]

Below are the latest transactions i have made:

1. Rs 3, 00, 000/- deposited to savings account (From gold loan in my name bearing account number: [protected])

2. Rs 1, 99, 000/- deposited via cash

3. Withdrawal of rs 4, 91, 621/- via check (For the closure of car loan taken from bob bank)

There where no transactions done from my side further. And all the above 3 transactions were done on 19/6/2020 and 20/6/2020

Kindly let me know what should be my current balance in my account.

As per my understanding my account balance may be around rs 7379/- (Excluding interest).

When i verified the same with parent vijaya bank branch in tumkur, bank claimed that my account balance is rs 0/-. Further branch informed me that rs 5333/- was debited for loan recovery + interest on the same.

I have opened this gold loan account on 20/6/2020. But how come there is such a huge interest for just 10 to 15 days.? Also, i have never made a request to deduct money for principal amount of gold loan.

Note:
Current account balance of accounts as per bank's update:
1. Savings account - [protected]/ [protected] : rs 0/-
2. Gold loan account - [protected] : rs 2, 94, 667/-

All the above have been brought to the notice of parent vijaya bank branch in tumkur orally. (On july 9th 2020)

Also, there is no mobile number linked to my account but still you are deducting money for every 3 months.

Same mismatch has been happend for other 2 family members accounts. (Will communicate this to you all in different mail thread once this issue is fixed).

Kindly let me know why this mismatch happens and let me know how long will you take to fix this issue. Also let me know if you really need another data from my end.

Thanks & regards
Pradeep mb
Mob: +91 [protected]

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