[Resolved]  Indian Bank Atm Card Transaction — Amount Debited from Account on Transaction Timed out, No Money Returned From ATM Machine

Address:

Thane, Maharashtra

On 30th July at 10:45 - 11:00 PM around, I have tried to withdraw money using our Indian Bank ATM Card from HDFC ATM machine located at [Address : Shop No 2, Arjun Aashiyana Station Road Ulhasnagar Thane-421003 Maharashtra India] however transaction timed out, with no money returned back nor does the transaction failed statement. We have waited their for 5 minutes but no success

The account belongs to my mom, Mrs Manju A Ramnani.

We then tried with another ATM machine nearby of Central Bank of India, we have successfully withdrawn RS 5000/- from that machine and then noticed some discrepency in account balance. Next day, My mom went to Indian Bank CST Mumbai branch (as she works in CST Mumbai) to update her passbook entry & she noticed RS 5000/- + RS 20/- debited twice from her account.

We complained this to Indian Bank,CST Branch but they advised us, as account belongs to Ulhasnagar Branch, this issue can be handled by them.

We directly called Indian Bank Manager o[censored]lhasnagar Branch on his cell & provided him with the details, he said we need to come in personal and have to submit written application to them.

My mother had to take a half day leave from her office and went to Indian Bank,Ulhasnagar branch to submit written application as advised by Branch Manager.

It was really very disappointing to see that bank was not in a position to provide us the information about the failed transaction at first place as they dont have any record that provide transaction status, where transaction took place and if it was successful or not.

We have submitted the application to Indian Bank, Ulhasnagar Branch on 1st August, 2012. Bank branch officer has advised us, that it would going to take 8 days to identify this matter, they were not at all sure if the amount will be credited back to our account.

SO DOES THIS MEAN OUR GOVERNMENT BANKING SYSTEMS STILL NOT CAPABLE TO IDENTIFY THIS KIND OF GLITCHES/ISSUES ???
SHOULD WE NOT TRUST GOVERNMENT BANKS ATM FACILITY TO WITHDRAW MONEY ?

I have faced similar issue with my HDFC Bank account, on the spot my failed transaction amount credited back at that moment itself.

I request consumer complaint authorities to please look into this issue and help me to resolve this.

I am not posting my mom's bank account details for security reasons.

But the team that will going to look into this matter, please contact me on my cell no. [protected].

Waiting for your quick response on this.

Thanks & Regards,
Sachin Ramnani