PNB — Fraud and Customer service

Address:

East Delhi, Delhi

I am a customer of Punjab National Bank for last 1 year and on the onset would like to say that I have received one of the worst customer services by any bank.
Writing to you today for a complaint regarding a transfer to my RD account.

I have an account in the Anand Vihar retail branch wherein I have a saving account, RD account and loan account.
In the month of February, I had made a transfer of money(Rs 5000 which is my installment) from my citibank account to PNB saving account, further to which I gave a cheque from my PNB account for a transfer to my RD Account.
The cheque was accepted by the branch employee in person and the form too was stamped and given back to me.
In the month of march, when I made a transfer from citibank account to PNB account again for paying the March installment, I realised that the saving bank account had an additional Rs 5000.(Received a SMS confirmation for NEFT transferfrom PNB with account balance details)
When inquired with bank, it was informed that the form filled in the month of February was incorrect due to which the bank has transferred the money back to saving account and the RD installment for February is a No show and the bank will impose a penalty on it.
In order to avoid the penalty, i am suppose to close the RD itself, as i would not be getting any benefit of RD.


My first question to the bank is, how am i suppose to know that the form is incorrect and why was the cheque accepted.
Secondly, if any transaction has been made on my account, why wasn't any SMS intimation sent to me.
Thirdly, On asking for clarification for the same from the bank, I have been mistreated and communicated that it is not banks responsibility to inform the customers about this.
Fourthly, my request to activate online banking is pending for last 3 months. If the bank cannot take the "so called responsibility" to keep the customer informed, can we at least expect the requests to be entertained so that we can manage our money ourselves??
This is an absolute faux pass on the name of Customer satisfaction.
I am not writing in here to claim any thing, but would really request you to look into the matter, as in no way I am going to pay the penalty.
And If you wish to close the RD account, I would happily do that, given my intrest for these 6 months is paid to me!!!

Would appreciate a quick revert from your end.