Allahabad Bank — sub.: complaint against unwise blocking of current a/c without intimation and valid reason

Address:

'Renuka', 4/3 Vivekananda Road, 700075

Dear Sir,

This is to inform you that I have a Current Account (No: [protected]) under Trade name “Real Time Systems” in your esteemed bank since 2001. Recently, two Cheques which I issued to my clients have been dishonoured
1) Cheque No.: 027406 dated :[protected] of Rs.11, 003/-
2) Cheque No.: 027407 dated :[protected] of Rs. 4, 150/-

When I visited your branch, it was informed that due to non-submission of following documents, the A/c has been blocked and the block was lifted immediately with my verbal request.

3) Trade Licence
4) KYC documents

Interestingly, about one month back I enquired about the status of the KYC and I was informed by the branch that it is not required for now.

Now, my question to you is: how you can block a Current Account without any valid intimation to the A/c holder whereas my e-mail address and phone number are already with you. A sheer callousness on your part resulted in bouncing two Cheques which is not only a harassment but also irreparable damage to my reputation. In my 18 years of business I have never faced such an action from your end for any reason whatsoever.

A SMS message, I received from Allahabad bank also misleading which reads as follows:

“Cheques issued in your a/c xx616 returned 5 times in this FY for want of fund. Pl maintain sufficient bal to avoid non issuance if cheque book –ALB -29/07/19 12:37 – ALB”
Received: 12:37:42pm[protected]

On verification of this SMS with bank statement, it is revealed that the content of SMS is false. Between[protected] to[protected], I maintained Rs.22, 527/- as A/c balance and I issued two cheques, both returned, of total value of Rs.15, 153/-. With utter surprise, I realised that your bank has sent me a totally false information of “returned for want of fund”.

I am constrained to remind you that a Current Account holder pays money for every service you provide, nothing comes free here. I also fail to understand what stopped you informing me your requirement of documents. If one fails to provide them then you may take action. But, what you have done is illegal, unprecedented and unexpected from a bank of your repute.

In view of this, I request you take necessary action to reimburse the amount of money that you have deducted from my A/c due to return of the cheques and also initiate process to refund the amount of money that have been deducted from my Client’s A/c to whom the cheques were issued.

A prompt and favourable action is earnestly solicited.

Sincerely,
For real Time Systems

[Dipanwita Datta]
Proprietor
Mob: [protected]