[Resolved]  ATM service in State Bank of India — Complaint against STATE BANK OF INDIA and RESERVE BANK OF INDIA OMBUDSMAN SCHEME

Hi
This is regarding a COMPLAINT AGAINST STATE BANK OF INDIA and RESERVE BANK OF INDIA. I have an account in state Bank of India, Kurukshetra branch. Few month back, I was in need of cash. I had given my ATM to my father for withdrawing 15000 from my account. IN that ATM, there is no gurad. There queues are not maintained and who ever wants can enter inside the ATM. My father tried to withdraw. AT that time 2 more guys were inside the ATM. He tried 2 3 times but could not. So, he moved back and allowed the other person his transaction. After some time my father went to some other ATM for withdrawl. There he found that Rs.20000 were deducted from my account. Since that day, I have been complaining to State Bank of India.In the beginning, they kept on saying that cash was dispensed and they could not help in this matter. I kept asking them the proofs. But, they stopped answering to my queries. Then I complained againt State bank of India in Reserve Bank of India Obudsman, Delhi. Due to that complaint, SBI provided ma a video of that day and gave their statements saying that it was my mistake that I gave my ATM to my father(even though it was my personal matter and that had nothing to do with that incident). In the video, they had shown that my father tried 2 3 times. Then an another guy speaking on phone tried to interfere and pressed some key. My father scolded him for that. Then my father tried again and moved back waiting to see what happens. Then that fellow swapped his card. The video stopped there. Nowhere in the video was the cash dispensed. Apart from that they said that my father allowed the other person speaking on phone to interfere whereas that person came in between suddenly. And my fatehr scolded him for that. And the main point is that in the end of the video that other person had swapped his card. So, ideally, when a person swaps his card, the previous transaction should get cancelled. Before that the cash was not dispensed. And when the other person swapped his card the transaction should get cancelled. But, they stopped the video over there and held us responsible for whatever happened. They said that my father moved back. So, it is not there responsibility. I asked them that my father just moved back because there was some fault in the machine at that time and before us also few people tried and even they could not withdraw. Earlier when we disussed this with the branch manager, he said that there might be some technical fault and they could not help it.
And in the final reply bank completely disagreed that there was any technical fault and further guys could withdraw cash. But, everything went wrong with me.Due to the technical fault, the other person's transaction took place from my account and they say it is not there responsibilty. I told them that my father tried to withdraw Rs.15000 and not 20000. Then how did 20000 get deductde from my account. They never answered these questions.
I stopped interacting with them and provided all these details to Reserve Bank of India thinking that they will take action. But, to my surprise they provided altogether a different conclusion and closed the case.
In that conclusion, they wrote that my father in law had handed over my ATM and pin to the other guy. That is why, he had withdrwan money from my account.
First of all, from the beginning itself I had been referring my father. I dont know how they converted it to father in law. It could be by mistake but such mistakes are not expected from such legal authorities that too in money related matters. Secondly my father is not a fool to give our ATm and pin to someone else Even he got surprised at such statement.

Main point is that State Bank of India and Reserve Bank of India, both are very reputed and known government organisations. How can they give such stupid statements without any justification. For complaining against SBI, I took RBI's help. But, they were even more great.
Please help to guide me what action can I take against them as both are reputed government organisations. I know my case is true and justified. From the beginning itself I have been saying that even if all this happened due to some technical fault, it was obvious that the other person's transaction took place from my account. Everything could be seen in the video. And that guy had swapped his card. So, they'll have his account number and contact details. It can be seen in the video that he had withdrawn money. So, they should check his account whether any withdrawl took place fom his account. Definitely not as it took place from my account. Then why are they not checking and providing me my amount from his account. Otherwise, what is the use of cameras if they dont have minimum enquiry to handle such cases even though everything is in front of them. I think if it was some private bank, I would have got good help but SBI and RBI are not providing any justification and running away from their work by giving false statements. Such behaviour is not expected from SBI and RBI. This incident took place on 3rd march, 2009 and it november now.
Please guide me what action can I take against them. because this is a limit now. All are corrupt.

Regards,
Kulvinder Kaur