I Deposit approx 65K Cheque for Payemnt of My Citi bank Credit Card in Chandigarh, My HDFC Saving Account Debited next Day morning By HDFC Bank after That Reverse the Amount to my account same day at Own, Finally 2 Days later CitiAlert Recieve the Cheque is Bounced & then i made a Query to Citiphone Officer, They Intimate me the HDFC Cheque Returned due to Signature Difference, Now HDFC Bank is Charging Cheque Bouncing Charge, Citibank Credit Card is Charging the Cheque Bouncing, Late Panelty, Interest due to not ontime Payment, Its Cost me by Both Bank Approx. INR 4000.00, Is it OK with Citibank or HDFC Bank ? They Have not responsiblity to intimate if Cheque Signature Difference when we are keeping our so much money with them.I have seen Sevral Times I was Using Citibank Account in Gurgaon, If They Find my Counter Signature or Over writing at my Cheque They are Intimating me & Calling me in any Nearest Branch for a Signature again, & Never Bouncing The Cheque for These Reasons, When Citibank Call to A Customer so whynot Other Bankers do same. Is there any Law for it? Banks are simply making money by Returning the Cheques for Signature Difference. Can Any Agency made a Survey How many Genuine Cheques Bounced By HDFC Bank in a day. I have Seen in there 2-3 Branchs They are Simply denying to give the Money if same person is Standing on their counter & Simply saying Signature Difference. We are Just Ignoring it due to we dont have time to Fight with bank.
Can Any body suggest me How I can Treat with HDFC Bank in This case as I am Paying very Huge Panelty, Can I Claim with HDFC Bank for It