Canara Bank Complaints & Reviews

I call the attention of the top authorities at Canara Bank. I am writing this from Nilambur (679329), Malappuram district, Kerala. Hundreds of people, including me, who have accounts with your branch here have not heard from the bank for more than three weeks after we deposited copies of our Aadhaar cards. When contacted, we have been receiving the same answer all the time: 'It is being processed. We will let you know.' Today morning some o[censored]s visited the branch. To our utter dismay, we found that that box where we deposited our documents are overflowing! This means absolutely nothing has happened so far. Our papers are lying the box without anyone doing anything about them. This is outrageous. Unless our papers are processed immediately, we may lose our gas subsidy for next month. Thank you.

Dear Sir, The Canara bank’s officers are victimizing me from 2002 onwards for claiming my right of collateral free SSI loans and forged the blank stamp papers collected from me and relevant bank forms and secreting the same for the last 11 years as of now. All my complaints to CBI, CVC, RBI etc have silenced by the bank, s own vigilance department by misleading them. (Actually the accused officer himself presided over the so-called internal inquiry and closed the chapter and only now the first ever evidence was collected by me that after the bank foisted a vindictive recovery case against me). Today I am totallt broken down on all fronts due to such harassment and in heavy anxiety. I am fighting the cases too in person and not through any Advocate. The email sent to the bank is enclosed herewith for your kind attention.Please help us and this shall help SSI industries With regards, Venkadesh.J COPY OF EMAIL SENT TO BANK ON 31ST OCT, 2013 From 31st Oct, 2013 Venkadesh.J, (Proprietor of JVIS Engineering), No.301/FL-3, Vishweshwar Prasad CHS Ltd., Opp. Girija Mata Temple, Old Dombivli, Dombivli (West) – 421 202. To Chief Manager/Senior Manager (The present Branch-in-charge), Canara Bank, 88/C, Patkar Road, Dombivli (East) – 421201. Kind Attn: Mr.Rangaraj Ramaswamy, Senior Manager-& Branch incharge Canara Bank, Dombivli East Ref: 1. Your telecon with the undersigned on 23rd Aug, 2013. 2. Our discussions with your good self at the Dombivli (East) branch on 23rd Aug, 2013. 3. Our email dated 26th Aug, 2013. 4. Your reply email dated 26th Aug, 2013. 5. Our email reply dated 27th Aug, 2013 to your good self. 6. Our email dated 27th Aug, 2013 to your AGM 7. The combined meeting both o[censored]s had with your AGM and DGM on 28th Aug, 2013. 8. The multiple meetings we had with your good self at the Dombivli (East) branch until 19th Oct, 2013 subsequent to our above meeting with the DGM and AGM at their office at your Circle Office. 9. Our email dated 21st Oct, 2013. Dear Sir, This is in continuation of the above emails and our discussions. We have already explained in details to your good self regarding the various losses we have suffered at the hands of your predecessors and multiple difficulties/harassments we have been made to undergo due to the same. From the trust I gathered during our above discussions on 28th Aug, 2013 at your Circle office I now believe and hopefully look forward that our grievances shall be settled by your higher officials at least now with a human approach unlike the past which has led to multiple litigations. Hence as in line with our discussions we hereby give some of the losses and the reasons behind the same so that the same can be forwarded to the bank’s higher officials for a fruitful discussions. A) The direct investment losses to JVIS ENGINEERING caused by the wrongful actions of your predecessors i.e bank’s Credit Managers and Chief Managers by INDUCEMENT OF CUSTOMERS by misusing the Private Critical Business Information available with them apart from creating other losses: Sir, I would like to emphasize here that none of the machines were produced using the customer’s money but with my hard earned money i.e. my sweat and blood. And so much pain to me is that I have been forced to lose my money by the motivated victimizing and vindictive actions by your predecessors who should have basically nurtured me and my business. And the very basis of the CGFSI (presently known as CGTSI) cover is given to the banks by Central Government as a mandatory scheme for SSI industries is just only to prevent any misdoings by branch level officers and to ensure smooth cash flow to SSI industries like ours and to make us survive in such adverse schemes like your bank has. Your bank’s existing loans schemes are fit only for grocery shops and pan shops and not at all fit for capital equipment industry like ours. That is the reason we opted for CGTSI scheme and not your regular scheme. Your bank’s finances were utilized for developing the equipments for other Government R&D nuclear projects as detailed below which your predecessor zealously and promptly induced to cancel the purchase orders that too after we made the machines by sheer dint of hard work and Research and Development spanning 4 (four) years. In effect JVIS ENGINEERING is punished by two Government departments (i.e. public institutions) i.e. one by cancelling a purchase order based on the inputs from your predecessor and another one is filing a suit of recovery by hiding their part of the spoil game and thereby creating a double loss for JVIS Engineering. SIR, PLEASE TRY TO UNDERSTAND I AM SMALL GUY AND CANNOT WITHSTAND SUCH MOTIVATED ATTACKS AND THIS IS TOO BIG A MONEY FOR ME TO LOSE. In addition to the government department order losses we have been made to incur losses on various other machines too by your predecessor’s over enthusiastic spoil game actions done in a vindictive and victimizing manner. And your predecessor’s contribution at each stage is highly disgraceful and they were very particular in preventing the money flow to JVIS Engineering and were interested in creating losses for us at every opportune moment as given below which is well known to your then Regional Office as well as all the higher officers of the Mumbai North Circle where Mr.Pancham Ram (whom I understand is presently working on deputation from Canara Bank to DRT, Mumbai) of R&L section too was working then. The most important point here is that the equipments i.e. machines being the ones manufactured as customized ones we cannot sell to any other customers too as the said machines are developed by R&D by putting in 3 to 4 years of my knowledge, labour and money and made specifically for a specific purpose. Sl.No. Year of cancellation Description of orders cancellation by leading large customers due to interference/misleading /inducement of customers of JVIS by your predecessors Investment lost by JVIS Engineering in lakhs (Rupees) Losses carried forward as on today considering interest @18% compounded (i.e.the same interest rate what you are charging now) 1 2010 Crompton Global R&D divn. 8.5 17.20 2 2008 Crompton Global R&D Divn. 14.5 41.72 3 2007 Crompton Global R&D divn. 6.5 22.31 4 2007 IGCAR (government’s nuclear FBTR reactor), Kalpakkam 16.83 57.75 5 2007 Essar Steel 5.75 16.54 6 2005 Krupp JBM 5.5 22.51 7 2005 BARC 1.70 6.96 8 2004 Prabhat 3.5 17.09 9 2004 Lucas TVS 12.0 58.57 10 2003 Banco 0.24 1.40 11 2006 GKN 6.5 22.31 TOTAL LOSSES carried by JVIS Engineering on account of vindictive actions by your predecessors at the bank 81.52 lakhs (Rupees Eighty one lakhs and fifty two thousand only) 284.33 lakhs (Rupees Two Crores eighty four lakhs and thirty three thousand only) Sir, I believe that you shall understand our pain and the above losses which are a small but significant part of the material losses we incurred apart from the other multiple indirect losses and damages we suffered. Subsequent to creating such big wounds as above your predecessors has again rubbed salt and soil on the wounds and thereby I have been forced to go for remedies in multiple litigations seeking justice from you. B) THE ACTUAL REASONS BEHIND SUCH MOTIVATED HARASSMENT OF JVIS ENGINEERING AND ME BY YOUR PREDECESSORS: Sir, I am detailing just one piece of evidence to make you understand the gravity of the situation and if I keep detailing the other parts it shall run into hundreds of pages and it shall become so exhaustive. 1. In the year 2002 we had come to Canara Bank for a Term Loan and then a Cash credit loan both under CGFSI scheme under SSI priority loan as announced by the RBI i.e. without offering any collateral or Prime Security. 2. But it has been explained by your then Senior Manager that under that scheme no collateral is required but prime security for respective loans separately shall be taken automatically even under CGFSI scheme. 3. Accordingly in the year 2002 we had applied for a Term Loan for Rs.3.75 (Three lakhs seventy five thousand only) lakhs for Purchasing Industrial Gala under CGFSI (presently known as CGTSI and hence here-in-after mentioned as CGTSI only so as to avoid confusions) scheme available for SSI units with only Prime Security of the Industrial Gala towards this loan. Please note that under regular bank schemes no such provision for sanction of loans for purchasing industrial gala was available except under CGTSI cover. 4. In the year 2002 we had applied for a Cash Credit Limit of Rs.2 (Rupees Two lakhs only) lakhs again under CGTSI scheme and again only with Work-in-progress and receivables as Prime Security. 5. Both the above have been sanctioned only with Prime Security for each separately and not with any other secondary collateral security and not with any third party guarantee as being in tune with CGTSI scheme then and even now. 6. For the above we had submitted stamp papers as demanded by your then Senior Manager (Credit) and he also took our signatures on blank stamp papers and on unfilled bank forms and further promised that the CGTSI scheme cover shall be taken later as it is an internal procedure of the bank. Accordingly we handed over the blank stamp papers duly signed trusting upon the integrity and the reasoning given your Manager and his promises. 7. Sir, every time our signatures were taken on both the margins as well as at bottom of each page by your predecessors. We did not even know the meaning or reason for the same but the spoken words by the Senior Manager who stated that it was a basic requirement of bank loans under any scheme as the matter of fact. And I believed so absolutely. 8. Again during 2003 we had reduced the actual loan amount for industrial gala and hence the actual loan amount i.e. before disbursal and hence as demanded by your manager we again handed over blank stamp papers to your Senior Manager and who once again obtained our signatures on the blank stamp papers and unfilled bank forms as above and we were promised that earlier bank forms and stamp papers shall be replaced with new ones. 9. But around May, 2003 we when started demanding the copies of the bank forms and stamp papers we have started facing the harassment from the branch officers who subsequently took over the position of the Credit Manager from the earlier Senior Manager and their new Chief Manager. There onwards we have been constantly kept under financial difficulty in a methodical and systematic manner by the experienced branch officers. Under duress and mental strain we have been made to sign on the dotted lines on empty and unfilled stamp papers i.e. until 2004 by the branch officers. 10. Sir, till date each and every one of the branch officers have been secreting the so-called documents (i.e. which are found out by us now as forged) for all these years from us just to protect their errant colleagues and without any hesitance or demur preferred to harass us to create a situation so as to justify the mistakes of their predecessors. I believe sincerely that your predecessors did not even understand the fact they too shall be held responsible/are prosecutable for hiding/aiding such fraudulent forgery and misuse of stamp papers/title deeds, etc. by their colleagues. In the name of God let me submit with outright sincerety that your predecessors used their vast experience just to harass a young first time entrepreneur in me so as to subjugate me and to create our account as a NPA account in their zeal to save their errant colleagues from the prosecution for the above fraud done by them in violation of all their promises and RBI regulations. 11. Sir, Let us submit the details of how we could find out the proof of the above fraud and I believe as true believer in God and Justice even you shall find the same in-digestible if you happen to be the victim as I am now whose prime of youth is so far languishing in the courts for getting justice that is just and fit. Let me explain you the back ground once again sir how this fraud happened and you can gauge the extent of fraud there onwards and our sufferings too. 12. Sir, now we understand from one such so-called document filled-up by your predecessors by misusing the unfilled blank stamp papers obtained from us that neither our loan papers were forwarded to the CGTSI fund to take guarantee cover as mandatorily required under the LAW and RBI regulations nor they were filled-up with correct facts. Instead they were used to forge so-called security document which subsequently led to our harassment by your predecessors. 13. Now the question arises why such harassment be meted out to a customer i.e. JVIS ENGINEERING (i.e.us) that too for just demanding the copies o[censored]nfilled bank forms and blank stamp papers on which his signatures were obtained. The actual reason is as below which we could clearly understand from one such forged document your predecessors used in the Courts either knowingly or unknowingly. This is only a tip of the ice-berg. Sir and I do not wish to put all other details in this letter. a) Sir, if you note the above mentioned point no.B(1) the actual Term Loan is for Rs.3.75 (Three lakhs seventy five thousand only) lakhs for Purchasing Industrial Gala under CGFSI scheme during 2002 which was later reduced in 2003 prior to disbursement and accordingly new blank stamp papers and unfilled bank forms were handed over to the Branch officials for both modifying loan amount and for replacing the respective papers. Subsequent to the above we have neither been called again for re-mortgaging the Industrial Gala for the modified loan amount nor have been shown/handed over any so-called loan documents by the branches (as of now we have already paid-up the entire term loan and it is the bank who has collected much more money than it should have actually collected in order to show/make our account as NPA). b) Sir, if you note the above mentioned point no. B (2) the actual Cash Credit Limit sanctioned was Rs.2 (Rupees Two Lakhs only) lakhs only. c) But with some of the forged papers we could collect from the courts we could find out that the above said stamp papers were used in a criminal manner to create a security of around Rs.10 (Rupees Ten lakhs only) lakhs against the actual loan amount of Rs.2 (Rupees lakhs only) lakhs only using the unfilled forms and blank stamp papers in the power and possession of the bank. d) That is your predecessors have criminally forged a security of Rs.10 (ten) lakhs that too for a loan of just Rs.2 (two) lakhs that too when your bank’s rules and regulations as well as the RBI regulations which are mandatory demands that any account be declared as NPA within two months of non-payment of interest by the customer and to go for immediate securitization. But the saddest part is all your predecessors thought the other way in their zeal to save their errant colleagues by comfortably forgetting the following facts which shall later laugh at their face: i) By the above forgery their predecessors forged a security first for non-disbursed loan amount of Rs.10 lakhs (i.e.Rs.8 lakhs more than the disbursed amount). ii) Secondly allowed themselves an illegal cushioning by the above forgery to strike as per their whimsies and fancies like a PRIVATE MONEY LAUNDERER iii) The above type of forgery allowed illegally gained leverage to your predecessors so that they can even allow operation of NPA accounts to operate even without interest payments to the bank that too 15 (Fifteen) years i.e. considering that every 6 years your basic amount doubles and to become 10 lakhs it shall take atleast 15 years which is nothing but a calculated criminal act and a criminal conspiracy against the bank itself. 14. I have never signed any bank forms or stamp papers subsequent to the above period due to such indecent harassment meted out to us except on 2006 (during which we have been forced to sign again by your predecessors whose motivated action of bouncing of around 40 cheques by non-honouring of their commitment to us threatened our very existence that too by the bank’s advising of our suppliers to foist Sec.138 cases against us). Sir, please put your goodself in my place and only then you can understand the effect of 40 Criminal cases at the same time against one young novice sincere entrepreneur for none of his fault. 15. Sir, I have knocked on each and every door in your banking system as below to get reprieved from such harassment but in vain i.e. for a prolonged period from 2003 to 2008. i) AGM, Regional Office, Thane ii) AGM, Customer Section, Mumbai North Circle, Sion. iii) DGM, Mumbai North Circle, Sion iv) GM, Mumbai North Circle, Sion v) AGM, Customer Section, Mumbai City Circle, Mumbai vi) DGM, Mumbai City Circle, Mumbai vii) GM, Mumbai City Circle, Mumbai viii) Vigilance Office, Canara Bank, HO, Bangalore ix) Chairman & Managing Director, HO, Canara Bank, Bangalore 16. Sir, I was cheated every time with empty promises which were never honoured but were utilized effectively by your experienced managers at every level to buy out time and to kill our grievances and to project us wrongly and in a poor lime light and to humiliate us before the eyes of the society and to kill our business in a systematic and methodical manner. C) Sir, your bank has taken the following actions too in Contempt of the Respective Courts and none of your predecessors have ever respected the Jurisdiction of any Court or any Forum so far that too in their zeal to prevent justice due to us and to advance their own careers and to deter us from taking any legal action. i) From 2005 January onwards your predecessors were deliberately withholding our Fixed Deposit Receipts (i.e. without releasing them) to prevent cash flow to us at the time of our need which is nothing but a disgusting act and forced us into financial crunch situations every now and then as detailed above. SIR, I BELIEVED THAT NATIONALISED BANK SHALL BE NURTURING A YOUNGSTER’S BUSINESS BUT YOUR PREDECESSORS LITERALLY KILLED HIS BUSINESS AT EVERY REMOTE OPPORTUNITY THEY GOT THAT TOO USING THEIR VAST EXPERIENCE AND INFLUENCE AGAINST A FIRST TIME NOVICE AND YOUNG ENTREPRENEUR JUST TO HIDE THE MISTAKE/FRAUD DONE BY THEIR ERRANT COLLEAGUE AS DETAILED ABOVE. ii) From 2007 onwards your predecessors Contemptuously misled the RBI departments, CVC, Bank’s Vigilance division, etc. to prevent any proper investigation of the multiple injustices done to us by your predecessors. iii) During April, 2008 in Contempt of the Hon’ble Maharashtra State Consumer Disputes Redressal Forum and to defeat the reliefs sought by us and to create obstacles to the Judicial scrutiny your predecessor has issued SARFAESI notice to us. iv) Our police complaints regarding the forgery are silenced so far by the bank without any co-operation for police investigation by a misdirecting statement to the police (i.e.from May, 2008 onwards) and by managing the local police stations in some mysterious manner (which is itself is an offence) by projecting as if we are raising the complaint simply to avoid payment but at the same time not even simple breathe/whisper is ever done by your predecessors in the bank in a calculative manner about the above frauds which they might have been well aware of from the documents that are still in your power and possession and simultaneously being secreted from us and from the various Hon’ble Courts. v) In Contempt of the Hon’ble Maharashtra State Consumer Disputes Redressal Forum and and in Contempt of the jurisdiction of the Hon’ble High Court of Bombay and to defeat the reliefs sought by us and to create obstacles to the Judicial scrutiny your predecessor has taken SARFAESI action against us that too on the previous night of Ganesh Chathurthi i.e. on Sept, 2008 to harass us and to escape judicial scrutiny and further terrorized my child and wife too using goonda elements at his disposal. vi) During 2010 in Contempt of the DRAT, Mumbai that is in order to usurp our properties and in their zeal to win, your officers and Advocates in collusion with DRT officers, forged back dated orders to deny us the benefit of the orders by DRAT, Mumbai and are standing as accused in the investigation by the police, vigilance departments and the Hon'ble High Courts and the CBI. The painful part here is that in every nook and corner of the DRT we are finding bank officers on deputation functioning as if they are Judicial Officers that too aiding such frauds and that too getting themselves transferred internally from DRT to DRAT and vice versa to complete their cover-up actions. vii) From 2011 onwards in Contempt of the Hon’ble District Consumer Forum, Thane the so-called documents are being secreted from us even now and even now our personal safety is kept at stake by the unscrupulous elements created by your predecessors. viii) From 2010 onwards in Contempt of the Hon’ble District Consumer Forum, Thane even my wife and family is being humiliated in public Forums that too by hiding the fact that it is the bank which is not honouring the PRIVITY OF THE AGREEMENT. ix) Various Contemptuous acts are being committed with rigour in each and every Forums only with a hope that a simple transfer from the branch to branch shall allow the escape and safety of the concerned officer of the branch despite his such shameful acts. As I understand now there have been atleast 6 to 7 branch-in-charges of different designations in the last 6 (six) years period in Dombivli (East) alone which is not a normal activity for any Canara Bank’s branch. Such is the effort being put by the bank in defending the above such errant officers. Most importantly none of the new officers-in-charge ever submitted their power of attorney in the Courts/Forums that too in a calculative manner so as to escape Judicial Scrutiny of their Justification of Frauds done to us. Sir, I believe in the almighty and I sincerely believe that the Justice shall be received by all o[censored]s one day. x) In a contemptuous manner Cases are filed against us in the Courts by hiding the basic fact that we have been questioning the veracity of the basic documents as well as the fact that the same were being secreted from us so far by the bank. This defeats the very basics of the Judicial System itself but simultaneously forces us for multiple litigations in multiple dimensions that may run into tens of years together. Or to put in other wise in the words of one of your predecessors who threatened me stating that he shall put me into a situation where the banking system shall fight the case for 30 to 40 years and by the time none of his errant colleagues may survive the nature and the only person punished shall be Mr.Venkadesh.J (i.e. me) only. Sir, I have already started experiencing this cruelty on me during the last six years of litigation wherein people appear in Courts on behalf of bank without even submitting Power of Attorney and gets transferred immediately within the next two court dates and every now and then new people keep appearing in the Hon’ble Courts/Forums only to vanish later in the blue air. And in the system so far I found there were not a single person existing with conscience who want to be just but atleast I expect you and your present higher officials to do a fair justice unlike in the past. SIR, I AM DEEPLY HURT AND YOU CAN UNDERSTAND OUR SITUATION AND OUR HURTS ONLY IF YOU COME OUT OF THE MOULD OF A “REGULAR BANK-MANAGER” AND THAT TOO AS A “FELLOW HUMAN BEING” AND AS A CONSUMER AND AS A COMMON MAN WHO DOES NOT HAVE THE LUXURY OF GETTING THE PROTECTION FROM THE GOVERNMENT OR ITS AGENCIES FOR HIS SHORTCOMINGS and WRONG DOINGS. Sir, the above are only indicative of the losses and sufferings and the deep pains we have been undergoing till date just to get justice which is due to us. By the above process of denials to us, your predecessors effectively victimized us and killed our business by inducing customers to cancel the purchase orders as above and made us struggle for our survival with our bare hopes for justice lying in the name of GOD. Your bank is even threatening us every now and then of humiliating and damaging us in the Public Forums and also of eviction by force that too by utilizing the forged/challenged so-called security documents unilaterally claimed by the bank despite the Courts orders staying the bank from altering the status quo which are still secreted and are in your power and possession. Your predecessors induced people in and around both our residence and working place by offering cheap sales of properties to hoodwink us that too by hiding the above facts regarding our contests. Our life is under constant threat EVEN NOW due to such inducements by your predecessors in the past. We have already approached the police with concrete evidences to this effect. We do not know how and when this is going to end. Certain elements and agents have been planted by your predecessors in and around us to even prevent the correspondence or letters from reaching us in their zeal to win the court battles and to physically prevent our free movement. We have already approached the police with concrete evidences to this effect too. Sir, you have to understand the fact that I am not here to antagonize or teach moral lessons for each and every such people but to live our life peacefully which is denied to us as of now due to the mindless actions of your predecessors which I trust shall be rectified by you and your higher officials at least now with a positive frame of mind. Hence forth we have written to your bank earlier too that we do not get any speed posts or registered posts at our door step at all and hence to handover any such documents supported by your power of attorney at the Courts of Law. Hence at this juncture please send emails only. Hence our request AND BELIEF now is that considering the above facts and the sufferings and losses we have undergone as well as undergoing even now your GOOD SELF and your higher officials shall take an appropriate decision which is JUST and FAIR and HONOURABLE for us. Now I hope that a mutually acceptable solution could be reached at least now with a positive approach so that your bank can help us to start our business again in a positive and productive manner. I am not dwelling upon any further details since small part as above shall give you the overall picture of what we have undergone. Sir, I sincerely hope that your proposal for seeking compromise settlement with us is upright and truthful and I hope that you shall sincerely honour the same. I hope and believe that for every problem a just solution exists. What I understand now that it is also most important such solutions require personnel with upright thinking, nobleness and gentleness to initiate / finalize the same. And they also need to be the ones who owns up responsibility and not escapism. So far your predecessors had never shown any interest or spine to find solution but instead just passed their time to reach either their transfer or retirement so that they can be good to their errant colleagues. By their keeping silence to the injustice detailed above and by being myopic to such systematic harassment o[censored]s in the Courts of Law they have done greatest harm to us and in effect killed Justice. That is in the process what is happening is to hide one mistake hundreds of mistakes are committed by your predecessors just to hide the first mistake and to hide one fraud hundreds of mistakes are committed by your predecessors just to hide the first fraud done by their errant colleague. SIR, THE ABOVE SITUATION CREATED BY YOUR PREDECESSORS CREATES A CHAIN LINK WITH MULTIPLE KNOTS SYSTEMATICALLY AND THOUGHTFULLY MADE TO PREVENT JUSTICE TO THE VICTIMIZED CUSTOMER LIKE US AND IN TURN CREATE OBSTACLES FOR THE JUSTICE DELIVERY SYSTEM AND TRIES TO ENDLESSLY PUSH THE BANK i.e. THE EMPLOYER INTO MULTIPLE LITIGATIONS JUST FOR THEIR PERSONAL BENEFIT. SIR, I SINCERELY HOPE AND BELIEVE THAT ATLEAST YOU SHALL DO JUSTICE AND SHALL ARRIVE AT A SOLUTION ATLEAST NOW. Sir, I hope that you shall understand the entire issue and the damages caused to us so far and I sincerely trust that you shall offer a solution within 15 days which is JUST, FAIR and HONOURABLE and we can finalize and record the same with a COMPROMISE AGREEMENT signed by both parties as consented in principle by your bank’s higher officials which can put a full stop to the litigations and counter litigations/complaints existing between us. Sir, once again I am emphasizing that the basic need of the hour now is a willingness to accept the facts that the problems do exists and it needs a solution and willingness to address the same without any selective amnesia or myopic view. Sir, Please forward this letter to your AGM (R&L section), DGM (R&L section), GM (R&L section) and also to your CMD at HO, Bangalore so that a due justice is given to our grievances. As desired by you I am sending this letter by both email and as signed letter. I am awaiting to hear from you at the earliest through email…and not by any other posts, etc…which may not reach me at all. Yours sincerely, Venkadesh.J Proprietor JVIS Engineering

Dear Team,

A/C No`s
[protected] Rukmani S
[protected] Sekar R

Recently I applied for internet banking in west mambalam branch, then after a week I recieved password, I signed the slip and returned it to canara bank for activation. They told me that they will activate it soon but still not got activated. I called some people in Bangalore to get it activated but they tell me to contact the branch. When again I contact the branch they give some unwanted explanations like they are unable to activate. So kindly activate my netbanking at the earliest.

Thanks & Regards

Rukmani Sekar
([protected]@gmail. com)

Hi Sir, On 04.12.2011 at 14:03 i tried to withdraw Rs 10000 from an ATM(JK Bank) using my Canara Bank ATM card. And the ATM deducted the amount with the transaction NO. 9040 but I DID NOT receive any cash at all.I contacted JK bank regarding this and they confirmed the mis-deductions and gave me written certificates. Then i contacted CANARA Bank and gave them all the details and certificates. I visited the CANARA bank branch sheikh sarai (NEW DELHI) many times and they always ensured me that the money will be refunded to my account. But it has been around 2 years now and even after visiting the CANARA bank frequently and talking to the branch manager. I have not received my money yet. Kindly do the needful. Thanks & Regards, Dalbir Singh [protected] [protected]

Hi, I am hoilding a savings account at Canara bank, adambakkam, chennai branch, from several years. Each time i visit this branch, it is not a happy experience unless i compramize. The staff will serve the customer better only if the customer salutes them. They look polite but most of them work in a disgusting way. Last time to deposit the money in to my account, it was taking more than 45 mins, though they are not many customers. This branch need to revamped, staff need to trained to work as a TEAM for customers. I rate this branch as very very poor. Otherwise, i am sure they will loose the customers Regards

dear sir,

I sri Santosh Kumar Naik, I was used my Canara bank debit card at ICICI Bank Atm at Yelahnka Satelite Town, Bangalore-64,
wrongly debited Rs.10,000/- on
Dt.08.07.13 ,
Time: 13:01:03 hrs.
card no:[protected]
My Canarabank Complaint No: [protected] dt.13.07.13
At: Chikbidarkallu Canara Bank Branch, Tumkur Road, Bnaglaore

But after after 2 week also I did not get any reply from Baranch Manager of Chikbidarkalu Branch.

So, Please do the needful at your earliest.

Regards,

Santosh Kumar Naik
(M) [protected]

Dear sir,
My self G.PANDEESWARI i have taken the service of internet banking & i got the login & transaction password but user id is not given than i visit to bank personally & got my user id & after few days i have tried to login but it was failed, every time the error message is showing account locked for user P75264794. pls contact your branch for unlocking i have tried many times but it doesn't work then i were gone to complain in bank they gave me this e mail add [protected]@canbank to complain.
i hope you will take some strict action soon & you will reply me with the appropriate solution. You can also
contact on my personal no. [protected]
thanking you..

my accounts detail given below:-


NAME: G.PANDEESWARI

ACCOUNT NO :[protected]

CUSTOMER ID : 75264794

BRANCH : THENI - ALLINAGARAM

CITY : THENI

STATE : TAMILNADU.

EMAIL: [protected]@gmail.com

Dear sir mam,
i am anil kumar from jalandhar ( punjab) holding p.n.b account on 28-6-13 i have used my atm card in canra bank atm machine adders of atm machine jalandhar bus stand II time 23:25 response code -070, i have make three transaction in your atm machine but i could not get money but my account has been debited 3000 rs. there is response on receipt is transaction declined ( unable to process ) kindly give your attention to this matter and solve it as soon as possible.i am also sending the scan copy of receipts.
thanks & regards
anil thakur
jalandhar
mo no.[protected]

Dear Sir,
today(22/06/2013) i am Deposit some amount in canara bank at 105/4/D, Tiruchengode Main Road, Pillanallur - 637403 Ph:[protected] NAMAKKAL,IFSC Code : CNRB0001047.,there cashier Mr.Shanmugam very badly respect me and other customers. He ask this town in that bank only. so u will do anything .. i don't care ... very poor facing consumers...
Canara Bank, Head Office, Plz do any action about him....

Amount debit I have put my ATM card at CANARA BANK,Ambur on[protected] for withdrawal of Rs 10000/, but the machine did not respond for more than 5 minutes.So I cancel the transaction and came out. But the amount has debited from my account. No printout slip came from the machine on[protected].
Already I have been submit my problem in your site yet not I didnt get any message from you,please take this incident seriously and me the needfull /////

my father mr n subramanian,is a pensioner since oct1984. he is holding this sb account for the la st 65 years. he is eligible to draw fixed medical allowance for which a request has been submitted on 2.5.13 and a mail sent on 17.5.13. no ply has been posted till date. i am his daughter, also working for a nationalised bank.

My transaction did not take place on the flight's website while purchasing online tickets using Canara Bank's Credit Card. But I received the SMS from Canara Bank that the transaction of Rs. 87,168 has been authenticated and if it is not done by me then I should call customer care immediately.

I tried reaching their numbers [protected] mentioned on the back of my credit card and their website. But it said that the telephone number is OUT OF ORDER. I tried calling all the other numbers mentioned on their website and they had a recorded message to call on the above mentioned number. I also called up at another number mentioned on the back of my credit card and they said that it's not a credit card department and they didn't even know how credit card works (Initially he asked my bank A/c number and said that I don't have balance of 87000, so how can I do such transaction). He told me to keep trying 2470 number. I spent almost 2 hours behind it and unfortunately nothing worked out.

This is very ridiculous as there is nothing I can do if my credit card is misused or stolen or any invalid transaction is done.

respected sir
I am NAVEEN KUMAR.R a.c holder of canara bank.
BRANCH- Naryanathevaepatti
ifsc code- cnrb0004016
ac.no[protected]
card no- [protected].
Sir my card was activated on 26.04.13 nd debited a amount of 1000/-.Later changend my pin. But i cant remaind my pass word. So i kindly i repuest u to send me a new pin to my branch to my mail id [protected]@gmail.com. I humbly request u sir. Kindly do the need ful.
Thanking you,
with regards,
Naveen kumar
[protected]

Respected Sir,

I (N.Govardhan) saving account holder (SB A/C No:[protected] of CANARA BANK,HANAMKONDA,BALASAMUDRAM BRANCH, informing you that dated 11th April 2013 night at 7:59 P.M. I withdraw 6300/-Rs (Six Thousand Three hundred Rupees) at ICICI ATM at Green Square Plaza Complex, Petrol Pump,Hanamkonda. Due to the ATM transaction problem, I can't receive my amount, but that amount is deducted from my account.
After one hour at 8:50 P.M. again I withdraw 6000/-Rs (Six Thousand Rupees) at ING Vysya ATM at Green Square Plaza Complex , Petrol Pump, and Hanamkonda. Due to the ATM transaction problem, I can't receive my amount, but that amount is deducted from my account. Immediately I came to know that at that time there is no money in ING Vysya ATM.
In one day 12300/-(Twelve Thousand Three Hundred Rupees) amount is deducted from my account. So please recover my amount into my account as soon as possible.


Thanking you sir


Yours faithfully,



(N.GOVARDHAN )

SB A/C No:[protected]
CUSTOMER ID:32003026

Mobile No: [protected].

BANK CONTACT NUMBER:[protected]
IFSC CODE:CNRB0002450
MICR CODE:[protected]

Hello sirmadam
I had swiped my Canara bank debit card only once in a restaurant named LITTLE ITALY In chennai,nungambakam.The next day i got message stating money has been debited thrice from my account.This incident happened on 7/10/2012.i lodged a complaint on 8/10/2012 in canara bank,vadapalani.I have also submitted the letter from the restaurant,the transaction printout and the bill. The bank people also sent a mail to the head office.But till date i have not recieved the amount.I am feeling helpless as i have been hunting behind the issue right from 8/10/2012 and its been 6 months.I have not recieved the amount back.Kindly help me with this issue.

DEAR SIR
MY FRIENDS THEFT MY CANARA BANK ATM CARD AND PASS WORD FROM MY HOUSE AND WITHDRAW RS. 120000/- WITHIN 3 MONTHS FROM DIFFERENT BANKS ATM.
I AM ATTACHING HEREWITH FOLLOWING DOCUMENTS
1. COMPLAINT WITH CANARA BANK
2. BANK STATEMENT SHOWING WITHDRWAL OF RS. 120000/-
3. FIR COPY WITH LOCAL POLICE STATION.

KINDLY HELP ME TO GET MY MONEY BACK.

THANKS & REGARDS
RAJNI CHAWLA
CELL NO. [protected]

From:
R. Kamath, 4/6, Moti Nagar, Opp.Rly. Station. Mumbai 400 016
To Consumer Court Mumbai,
Sub.: - The Credited amount in the Canara Bank, Mahim, Mumbai 400 016, as per the confirmation of pass book, of A/c. Nr. 11246, but refused to pay out the Sum of drawn Cheque Nr. 889356 on 5th Mar. 2013 Rs 15,050.
Dear Sir,
I hereby raise a Complaint against the Canara Bank Mahim Branch, as well as Borivili Branch. For refusal to pay out a sum of Rs 15, 050, despite the fact per Cheque of ICICI Bank a sum of 28,513, 96 Rs. Credited on 28th February. 2013. after a delay of 4 days Credited in my A/c. on 4th March. 2013.
Under the present banking rules, any Cheque Bounced back, than, not only A/c. holder is penalized but Criminal Procedure can also be instituted. . Besides a reputed Bank A/c by ICICI in itself is a guarantee of Payment to the Bearer drawn on the Person. As such there was no ground to refuse to pay out the sum on the Cheque amount of Rs. 15,050 . In addition the Pass book of Canara banks, ENTRY on 05, 03, 2013 updating showed, that, the Cheque amount of Rs., 28, 513/- was realized and credited to the A/c Nr, 11246, of Mr & Mrs. R. Kamath. As such in, no way, or any doubtful grounds, to refusal of payment from Canara Bank Borivili branch. Where the Cheque for Rs. 15,050 was presented for encashment.
I R. Kamath, a Senior Retierd person, in addition being physically handicapped, forced to climb to 1st floor, of Canara Bank, Borivili Br. as No lift has been provided. Despite the Government of India’s Rules and regulation made in 1988. That, too a Indian Governments Bank. The Housing law for Physically Handicapped extra promulgated, to protect the physically handicapped persons. Thus resulting my Broncial problems started within the bank. I was forced to remain the Canara bank, Borivili Branch, from 11,00 Hrs. to 14,00, till the Confirmation for refusal of Payment of my cheque.
In addition, as per the insider information, that, a Hierarchical system in the Banking Circles, has been developed, for clearing the Cheques, and delay the payment to clients. So as to use the amount for their other Business investments. Alone delaying for 4 days, from 28th Feb 2013, on Depositing the Cheque in my A/c Nr, 11246, of Canara bank Mahim, according to financial experts can raise an interest of 2.5 – 4%. X 4 days. On the other hand suppress the clients, as they are HELPLESS, and for the small sum cannot get the redressed as cost of Advocate and Court cost cannot be invested.
As such my appeal to the Court is that, the “HIEARCHIAL STRUCTURES”, to be abolished and on the same day within 2 hrs. Credited, Cheque amount that deposited, be updated in the A/c, books. Thus made fluent, to make use from the client. Due to the very fact, India is rich in COMPUTER technology, and adequate personnel available such Programmed to develop, which not only Scans, but immediately the amount transferred to the Payees A/c. within few Minuit, This system is in practice in Western Country. I am also holding A/c, in GERMANY, where, on Monday, if I had deposited a Cheque of €uro 1000/- @ 08, 00 Hrs. after 2 hrs, i.e. 10 Hrs. I can withdraw the stipulated sum, and without any Interest there on to pay. The system has been implemented ever since the Computer Technology has been progressed and enables the Clients to give the opportunity in full respect to their A/c Services.
Where as in India, despite the amply available Computer Techies. The services from Banks have gone from Bad to Worst.
Under the Circumstance, I prey the Court, to Redress the losses thus occurred from the Bank Hierarchy, & suppression to Bank Clients, and Refusal to pay the Cheque amount, on the very fact my own money credited in the Bank existed. In addition a compensation for a Physically handicapped person, to climb One storied House, without any Lift facility, though the law for Handicapped, Existed and known to the Banks. Besides, from 11 hrs. to 14 Hrs. to wait for obtaining a Written statement of Refusal to pay out the Cheque amount.on 05th Mar. 2013. Last but not least, Pre, and post, Mental Torture by Non/Payment of the Cheque, My personal commitment to pay out to 3rd party, on the same day of 5th March,2013, Health hazard to pass throughout the day. An additional sum of Compensation to be considered against the Canara bank Mahim, and Borivili Branch of Mumbai.
I look forward to your valued order against the Canarabank Mahim and Borivili Branch, for their misdeeds and harassment to physically handicapped Person, a Senior Citizen.
Thanking you
Cordially yours,
R. Kamath,
[protected]@yahoo.co.in
Enclosed: Copy of the above mentioned, Cheques, Pass book of Canara bank Mahim Branch, Refused Cheques facsimile., and the Canara bank Borivili Managers statement of refusal to pay out the amount of Cheque.

1)
On 28th FEB. 2013 A Cheque Drawn on ICICI Bank for Rs, 28, 513, 96 was deposited in the A/c. of Canarabank Mahim Branch, for A/c. Nr.11246,
2) On 4th March the said amount was credited, as per the updated Pass book of Canarabank Mahim Branch A/c. 11246.

On 4thMarch Credited in Pass book.
On 5th March an amount of Rs, 15, 050, wanted to withdraw, but refused to pay out from Borivili Branch, as the amount is not credited. to the A/c. but refused even to give a statement & reasons, when the passbook has credited, and shows the amount in the A/c.
After 2 and half hours rigorous Debate, endorsed on the back side of my Cheque the confirmation of Non-Payment of the amount in my drawn Cheque.

My Account No is[protected] SB A/c. Tirunagar, Madurai, Tamilnadu Branch. With reference to the above subject, this is to inform you that, on 28.02.2013, I have visited LVB ATM,Trichy Townstation, Trichy Extn. for withdrawing Rs.800.00. Due to power failure and without dispensing the money. On verification of my SMS, it was found that the said amount Rs.800.00 was debited to my account without drawing the money.
Hence, kindly rectify the above defect and credit the above amount Rs. 800.000 to my above said account and oblige.

Dear team

I am S/O of late javannah c.v my dad had account with Canara bank (main branch new statue square branch near kr circle mysore) I have visited this branch and present branch manager Korea than 3 times .every time manager is been failed to provide me proper details.when I went to him 3rd time with said document by him he said I need gejeted 8officer signature on this form wh7chat was not told by him before.when I asked him politely to write everything on the white shift and give me .that time he shouted and said why should I write if you want you write. I have many work to do. This manager not able to tel me the account balance which is left in my dad account. He had behaved very roundly with me. Which has hurTed me a lot. I want serious action to be taken on this man. And I want my dad money back.

Respected sir/madam
I have a saving account in canara bank urban estate phase 1jalandhar,punjab. nd i took the locker facility too.firstly when i was operating the locker the bank staff sent the another person downstairs without our concern.till d tym i was operating mah locker the stanger was standing near us!!secondly d staff members behave too badly.they r very rude nd dis repect d cusomers!! We complaint abt d above mention complaint nd the staff member namely ms.renu nd peon neelam showed attitude nd fought with my mother.is this d way to tackle with der mistake???they were aggressive,ill mannered.we told them that this is wrg that while we r operating d locker other person should nt bt sent downstairs nd they didn't solved our problem rather they started fyting with us.very poor instead!! They dnt have manners at all.they dnt know who to talk to their seniors.in corporative i must say.!! They r busy eating while doing the work .nd then when we visit d bank again they laugh,gigle.!!sorry to say bt they r totally mannerless nd d peon shd know her limits because she has no right to interfere in our conversation.we r complaing about d locker issue nd she was answering us by saying had d third person stolen anything from ur locker? Who is she to speak!??!if suppose sym mishappening happens will she be respondible for all d loss??!! They r busy gossiping nd seldom listens to anyonez problem. I want u to take neccesary steps nd change the staff members o[censored]rban estate phase1 canara bank!! I would be thankful to u i[censored] solve my problem because we r too fedup from ms.renu nd peon neelam