Canara Bank — old non- maintenance/dormant salary account changed to overdraft loan account with negative balance | |||
Summary: my Canara bank savings account at Chennai Pallikaranai NIOT branch with account number[protected]opened: 26/04/2012) reported overdraft loan with negative balance rupees -225/-. This was my old salary account and last five years it's inactive (dormant). But two months before my ex-organisation made one wrong transaction to my account and as i informed about this transaction to ex-organisation financial officials, they approached branch manager and revert the amount. After this my dormant savings account went to negative and bank reported it's as overdraft loan account. Because of this my CIBIL score went low from 793 to 716. I already mailed one letter to branch manager regarding the negative balance with quoting RBI rule about non- maintenance dormant savings account. Detailed Complaint: I am Rohith Krishnan, an ex-employee of National Institute of Ocean Technology, under ministry of Earth science, Chennai had a salary account:[protected] at Canara bank Niot Branch till December 2012 .On December 2012 i resigned from NIOT and joined in new organisation. So after 2012 my Canara bank NIOT account is inactive(dormant) and am not using that anymore. Also same that period my debit card also stuck in indian bank atm at Kasaragod, kerala and lost. That time i called to NIOT canara branch and informed the same to bank officials to take necessary action. After that, last 5 years i don't have any activity with this account. But this year 2018 September 6th my account credited with rupees 6300/- from NIOT project account. I called to NIOT finance department and known that they wrongly credited. So the concerned staff who wrongly credited money requested me to revert the transaction. Because my account is inactive and I can't do transaction through my net banking also, I told that staff to approach bank manager. On 10th September 2018 you debit amount from account by mentioning wrongly credited. After that transaction my account went to -223/- rupees, as overdraft account. Since am in Kerala and can't pay money to this account as it showing freezed. But this overdraft Very badly affected my CIBIL ratings and it went to low as 716 from 793. PS:- As per on my search I found that as per RBI guidelines banks can't change a customer for non-maintenace on a dormant account. Levy of penal charges on non-maintenance of minimum balances in savings bank accounts RBI/2014-15/308 DBR.Dir.BC.No.47/13.03.00/2014-15 Annex: (vi) It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum balance. Mentioning all this facts, i had filed a dispute to CIBIL on 06/12/2018.And also mailed a complaint letter to concerned Canara Bank branch manager. Contact: Email ID: [protected]@gmail.com Was this information helpful? | |||
Canara Bank customer support has been notified about the posted complaint. | |||
Add a Comment | |||
13%
Complaints
5257
Pending
0
Resolved
662
+91 80 2222 1581 [Head Office]
+91 80 2222 0491 [Head Office]
+91 80 2222 0490 [Head Office]
Canara Bank, Head Office, 112, J.C. Road, Bangalore, Karnataka, India - 560002
View all Canara Bank contact information
Post your Comment