Dear Sir / Madam,
I withdrawn Rs. 22000 from SBI ATM (ID = S1AC01074001) in two installments (1st => Rs. 12000, TXN No. 1073, date: 04/07/10, Time: 19:46, 2nd => Rs. 10000, TXN No. 1074, date: 04/07/10, Time: 19:48).
In the 2nd transaction i received Rs.500 note badly torn & was having cello-tape applied on it.
I immediately shown this defective note to the SBI branch manager, who was sitting in the bank in late hrs. But, he asked me to come in the morning, saying that he'll ask the cashier about this torn note. He neither made any committment to replace this defective note, nor he gone to the details of the problem.
Here, it's a very serious concern that how the bank will accept that the defective note is due to their fault, and will commit the replacement. What the user should furnish to the bank to prove that whatever he / she is complaining is justified & should the bank should immediately replace the defective note.