[Resolved]  SBT — ripping of cash from bank account.

Account No.: [protected]-1.
Account Type: Savings.
Mode of operation: single.
email id: [protected]@yahoo.com; [protected]@gmail.com.
Mobile No.: [protected].

I had opted for a jewel loan in State Bank of Travancore, mugappair, Chennai. I was asked to open a Savings account for that. I did the same by paying Rs. 500(in cash), which they asked for opening the account. After opening the account, I gave them the jewel for which they credited Rs. 26, 000 to my account. So my total Balance in the account was Rs. 26, 500. I needed Rs. 26, 000 for my expense. But they asked me not to take 26, 000 but leave 300Rs extra with Rs. 500 with which i have opened the account. So after taking out the money required for me (i.e. Rs. 25, 700) the balance was Rs. 800.

After a year, after clearing the loan( Rs. 25, 700 + interest for 1 year)and getting back my jewel, I went out to look into the ATM to take mini statement. I was shocked to see that my account had zero balance and was put into dormant state. Today[protected], i went out to ask them. They said my account was opened with a cheque book facility and would deduct Rs.300 every 3 months if kept dormant. It was astounding for me to hear this. I said, "i have many accounts in almost all the banks but none of them has disappointed me this way and i have heard nothing like this in any other banks before. I have not even received the cheque book". The bank manager got angry and shouted at me, without having a courtesy that he is speaking to a lady. I have even not asked for the cheque book or even provided with one.

Their reasons were:-
1. They have greater facilities like internet banking, etc ( as every banks have such a facility).
2. Accounts with a cheque book facility(without providing me a cheque book) will be deducted with Rs. 300 for every 3 months, if kept dormant. ( as no such banks have such a rule, as though they charge Rs.20 for every 6months at the maximum ).
3. They said "you should ask for all such details"(as there are no such rules when i signed to open the account).
4. The minimum requirement to open an SB account with cheque book facility is Rs.1000. But i have given only Rs. 500 to open the account. But their reason to open the account is that they have given me Rs.26, 000 as a loan credited to my account for opening the account with cheque book facility.
5. They said that the employees worked a year back has left the bank. So I should take care of the losses.
6. They said, "We have the rights only to add money to the bank not to return your money".


My questions are:-
1. Why should they lend me money to open my account?
2. Why are they debiting Rs.300 for every 3 months as others charge only Rs. 20 for every 6 months?
3. They said that the employees worked a year back has left the bank. So I should take care of the losses. Isn't this an irresponsible response? Then What is the responsibility of the company?
4. For this one year it was sufficient for me only to clear the loan. How can I increase my balance in my account?
5. If the reasons they give are true, then why should the manager get annoyed when i questioned him? Why should he run to his cabin closing the door without answering my questions or even listening to me?
6. Finally, Why should a well reputed bank should have a manager with very bad code of conducts?

Please, do get my money sir. I m a normal person. For me Rs. 800 is great to be cheated for. Please do take action on them sir. This is not just for me. This is for various people who got cheated by this branch and who are going to be cheated by their behavior.
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Aug 14, 2020
Complaint marked as Resolved 
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State Bank of Travancore — ripping of cash from bank account.

Account No.: [protected]-1.
Account Type: Savings.
Mode of operation: single.
email id: [protected]@yahoo.com; [protected]@gmail.com.
Mobile No.: [protected].

I had opted for a jewel loan in State Bank of Travancore, mugappair, Chennai. I was asked to open a Savings account for that. I did the same by paying Rs. 500(in cash), which they asked for opening the account. After opening the account, I gave them the jewel for which they credited Rs. 26, 000 to my account. So my total Balance in the account was Rs. 26, 500. I needed Rs. 26, 000 for my expense. But they asked me not to take 26, 000 but leave 300Rs extra with Rs. 500 with which i have opened the account. So after taking out the money required for me (i.e. Rs. 25, 700) the balance was Rs. 800.

After a year, after clearing the loan( Rs. 25, 700 + interest for 1 year)and getting back my jewel, I went out to look into the ATM to take mini statement. I was shocked to see that my account had zero balance and was put into dormant state. Today[protected], i went out to ask them. They said my account was opened with a cheque book facility and would deduct Rs.300 every 3 months if kept dormant. It was astounding for me to hear this. I said, "i have many accounts in almost all the banks but none of them has disappointed me this way and i have heard nothing like this in any other banks before. I have not even received the cheque book". The bank manager got angry and shouted at me, without having a courtesy that he is speaking to a lady. I have even not asked for the cheque book or even provided with one.

Their reasons were:-
1. They have greater facilities like internet banking, etc ( as every banks have such a facility).
2. Accounts with a cheque book facility(without providing me a cheque book) will be deducted with Rs. 300 for every 3 months, if kept dormant. ( as no such banks have such a rule, as though they charge Rs.20 for every 6months at the maximum ).
3. They said "you should ask for all such details"(as there are no such rules when i signed to open the account).
4. The minimum requirement to open an SB account with cheque book facility is Rs.1000. But i have given only Rs. 500 to open the account. But their reason to open the account is that they have given me Rs.26, 000 as a loan credited to my account for opening the account with cheque book facility.
5. They said that the employees worked a year back has left the bank. So I should take care of the losses.
6. They said, "We have the rights only to add money to the bank not to return your money".


My questions are:-
1. Why should they lend me money to open my account?
2. Why are they debiting Rs.300 for every 3 months as others charge only Rs. 20 for every 6 months?
3. They said that the employees worked a year back has left the bank. So I should take care of the losses. Isn't this an irresponsible response? Then What is the responsibility of the company?
4. For this one year it was sufficient for me only to clear the loan. How can I increase my balance in my account?
5. If the reasons they give are true, then why should the manager get annoyed when i questioned him? Why should he run to his cabin closing the door without answering my questions or even listening to me?
6. Finally, Why should a well reputed bank should have a manager with very bad code of conducts?

Please, do get my money sir. I m a normal person. For me Rs. 800 is great to be cheated for. Please do take action on them sir. This is not just for me. This is for various people who got cheated by this branch and who are going to be cheated by their behavior.
CAN I KNOW ABOUT MY ZERO BALANCE ACCOUT AT SBT PBVR.
State Bank of Travancore is such a bank filled with lot of "Systems" that they deducted an amount for ATM card from my family member's SB account.Only, the a/c holder, who is a senior Citizen neither wanted nor had asked for a ATM or Debit card.He did not receive any ATM/Debit Card.After making the a/c holder visit the bank many times, the Manager said that it was not possible to reverse the debit.On being told that the matter will be escalated, the man came down and the debit was reversed.The Account pertains to Ramanathapuram Branch in Coimbatore, Tamil Nadu.They take our money, earn out of it and treat us-their paymasters- badly.
"Tasters" testify my allegations against this unscrupulous bank before the High Court of Kerala through several petitions during[protected] as its staff . But most of the judges{one being this bank"s former standing counsel} ignored my solid allegations supported by clear evidences, thereby instilling a feeling of impregnability in such a shame of a bank! Most of it inefficient staff are protected by the equally inefficient and more arrogant trade-union-leaders.Most of these imbeciles conceal their ignorance and inefficiency under their arrogance. TRADE-UNIONS RULE THE ROOST IN THIS BLOT OF A BANK!

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