Reserve Bank Of India [RBI] — Account Freeze/cheque bounce on ecs

Address: 560024

Website: www.rbi.org.in

I myself santoshkumar udnur hold account with axis bank mg road with account number [protected] from 2005 onwards. I have ecs going on with icici bank and standard chartered bank on every 5th of month.

Due to unusual circumstance my account is been freezed for debit in mar 2017 last week by rbi saying missing pancard or aadhar. I got to know this on 05th apr 2017 from axis bank branch. I submitted these documents to branch and debit freeze has been removed same day evening.

However the ecs for both banks (Icici bank and standard chartered bank) bounced even though i have had ampule amount in my account 20 times more than ecs amount because of account debit freeze by rbi. Icici bank charged me rs 460 and have to travel to loan department of bank, standard chartered bank charged 570+130 ie 700.

Following are issues need to be addressed by rbi in this case.
1. Why different banks charging different cheque bounce charges.
2. Why there is no effective communication between banks (Saving account bank, loan account banks), rbi and customer when account debit freeze been done by before this ecs to take place and hence avoid these cheque bounce charges
3. Why should i bear these cheque bounce charges of rs 1200? Why rbi is not bearing charges? Even though ampule amount in account, account been there from more than 12 years, account freezed for debit by rbi.

I would request rbi to look into this issue, bear cheque bounce charges of rs 1200 + charges to compensate unusual harassment by banks and rbi due to this situation on customer. I could go to consumer court on the same.
In india only bankers having win win situation not customer.

Customers are only being blamed and charged, if banks and rbi cannot service the customer and system better remove currency and banking system itself.

Waiting for your quick positive response.