| Address: Nagpur, Maharashtra |
I, Mrs. Vani Shende, is an a/c holder of your Nandanvan Branch, Nagpur (Maharashtra) having a/c No. [protected]. On 31st May, 2014 at 06.47 p.m. I got sms from your Bank, stating that my Cheque No. 18, for Rs. 91, 773/- is returned unpaid due to a/c blocked.
On contacting Nandanvan Branch on 02.06.2014 (on 1st June, - Sunday) early in morning, I for the first time came to know that due to non submission of KYC documents, my account was blocked.
I must quote here that the above a/c is a Salary A/c. and most of my transactions are done through either by ATM or by Internet Banking and that I don't have to go to Bank physically for a long period.
On[protected] I use my debit card for purchasing Petrol for Rs. 261.23 and on 30th May, 2014 My Salary of Rs. 31, 018/- were credited to my account. Both the transactions were confirmed/communicated to me by SMS by Bank of Baroda on my registered Mobile No. [protected] but none of them mentioned about fulfilling KYC Norms or that my account will be blocked.
Earlier on[protected] I personally visited the Branch to change my residential address alongwith Address proof & Photo copy of PAN. and accordingly, my New Address was changed in your Banks Record and New passbook was also issued to me on same date. Then also I was not intimated about KYC.
On[protected], when I recd. SMS reg. cheque returned, it was shock to me and rushed to Bank on immediate working day. I contacted Branch Manager Mr. Somkuwar. But he simply showed the enlarged xerox copy of Paper Advertisement of 'DAINIK SAKAL' a Marathi daily which does not have many readers in Nagpur. He expected that I must have come across this Advertisement.
When we asked him why the bank did not inform the customers through SMS or mail address which were already provided and registered with Bank, he told that it is not possible to communicate through SMS to reach all their a/c holders.
Because of this, my Credit Society, to which I repaid my o/s loan by Cheque of your Bank, could not encash and it not only fined me of Rs. 150/- towards C.D. charges but also 1 month's interest Rs. 765/- (on o/s amount of Rs. 91773/-)
Moreover even Bank of Baroda, Nandanvan Branch charged Rs. 112/- towards outward return charges and deducted the same from my Account. Does it mean that you can block customer's account any time and also recover penalty for that for which customer is not responsible?
Is that xerox of Address proof & Aadhar Card is so important than our financial transactions when it was taken by the Bank at the time of opening of A/c and in my case while changing residential address in your record?
In this whole process, I don't find myself guilty and the burden of financial fine raised by Bank as well as my Financer-Society is unjust and must be indemnified by Bank of Baroda immediately.as the lack of communication is done on your part.
You claim that Bank of Baroda - India's International Bank - Global bank with a network of branches in India, and an international presence in 24 countries. but it is sad to say that you cannot communicate with your own customers through electronic media, and you speak about international presence in 24 countries. Very ironic.
I hope that you can understand the pains through which I underwent and I expect possible rectification at your end.
Keep me informed on mobile as well as my web address : vanishende.[protected]@gmail.com Was this information helpful? | 
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