[Resolved]  Union Bank Of India, DGMS, Dhanbad — Fraud transaction and Harassment

Address: Dhanbad, Jharkhand

THIS IS AN EXTRACT OF MY COMPLAIN LETTER TO CONSUMER COMPLAIN FORUM , DHANBAD




To
whom it may concern

Sub: Fraudulent withdrawal of Rs.4018.98 from my account when only Rs.1460.18 was left in my account

Ref My ATM CARD No: [protected]
REF A/C No: [protected]

Sir/Madam,

This letter is to inform to the concerned authorities that I, the undersigned hold a savings bank account in the following branch o[censored]nion Bank of India, Hirapur, Dhanbad, Jharkhand with A/C no.: [protected]. I was also issued an ATM cum debit card, MasterCard (No. [protected]) linked to the below mentioned bank account.

Branch Name: DIRECTOR GENERAL MINE SAFETY
Branch Code: 552909
Branch Address: Annexe Building, Main Road, Hirapur, Dhanbad
IFSC Code: UBIN0552909


On 8th of November a fraudulent withdrawal of a sum of Rs 4018.98 was made from my account. I was notified of this in the same evening at 7pm by the Bank officials through a telephone call. I was not aware of any such transaction from my bank account. I was called and asked to visit the bank immediately as some kind of fraudulent transaction has taken place, and until I visit there personally, they could not close the bank. This is what they told me on phone .Being a girl I hesitated a little but took my brother along with me. I didn’t had the slightest of ideas that any bank can call at that time to settle issues like that. Anyways I reached the Bank at around 8pm. And on reaching there, instead of informing me about the matter the personals of the bank, including the branch manager started demanding money from me. When I wanted to know the reason, they said that, some transaction has been made from my account, Transaction Id: AA93021for which there was not enough balance in my account, and my savings bank account balance is in negative state. They also told me that they have kept the transaction in some kind of suspense mode .That thing was ridiculously incongruous. I have never heard that people can have negative balance in their account. I told them that I have neither used my ATM card or internet banking to make any payments to anyone. They said that its not their problem and I have to pay the rest of the amount to make by savings bank account balance ‘positive’. They straightaway refused to make entry into my passbook, saying they bank working hours are over. I was told that a transaction of Rs.4018.98 has taken place, while only Rs. 1460.18 was my balance in account. So I have to pay 4018.98 minus 1460.18, that is Rs 2600 instantly. I could not understand when not enough funds were available in my balance, how can a bank allow a transaction. It was getting late in night and everything was unclear to me. My parents were not with me. So I decided to pay Rs 2600 on 8th November itself and went to home, hoping I will get everything clear by the next day.

The next day on 9th of November,when I visited the branch again, suddenly all the officials of the branch started to avoid the matter. Instead of helping me out of the situation, they told me that I should consider myself lucky that only transaction of around Rs 4000 has took place, and the results could have been more drastic if some bigger amount would have been taken out, that could well exceed lakhs of rupees.
I really felt helpless at that moment. I also talked to the customer service agents, but they told me to get in touch with local branch. Neither the bank officials nor the customer service agents were clear about the transaction and failed to explain any valid reasons for this strange situation of negative balance in my account. And very cleverly, the passbook entry was made so as to show that the transaction was made after I have submitted Rs.2600.00 in my account. But I have preserved an evidence, the deposit slip, that shows that I submitted the remaining money after the fraud transaction was made.
After visiting two consecutive days, with one of my friends, and putting some pressure on them that I will put this matter in court, the manager accepted that it was one of their staff’s fault, and received a written complaint letter. The assured that he will report the matter to higher authorities and if found that it was not my fault, the entire amount will be refunded to my account.
By the time this is written, absolutely no correspondence has been made to me from the bank regarding the matter. I had also forwarded a copy of the complain letter to the Regional Office ,Main branch o[censored]BI in Ranchi through e-mail to [protected]@unionbankofindia.com.

I have found two more cases of the individuals, account holders o[censored]nion Bank of india, Sehore, Madhya Pradesh with absolutely identical situations as me. I am providing detail as well as enclosing their bank statement, which reveals that they were also victims of fraud transactions, where their account balance was made negative. Their problem was resolved in less than two days for both the account holders and respective amount were credited to their account.


Case no1:
SHRIKANT TRIPATHI S/O MR. HARISH CHANDRA TRIPATHI
Account ID [protected]
Bank ID : 026
Branch ID: 61300
City: BHOPAL Branch Name: SEHORE


Case no2:
MANTOSH KUMAR S/O MR. MAHESHWAR PRASAD
Account ID [protected]
Bank ID : 026
Branch ID: 61300
City: BHOPAL Branch Name: SEHORE

There is some serious fault in UBI systems that allow illegal transactions to be made even when there is not enough balance. And because of that we the common people suffer and pay the price.

Observing the behaviour of the bank officials, it seems that their intentions are not good. They are not least interested in returning my money, and want the case to be put under covers. I So I suspect some kind of cheat here. They are treating their customers differently. I therefore request you to kindly look into the matter, investigate the case and see whose fault is this and do the needful, to help me out of this. I will be grateful to you.


Thanking You
Yours Sincerely,
Dipannita Biswas, age: 20 years
Dhanbad, Jharkhand-826001
Mob no.: +91-XXXXXXX756