[Resolved] IDBI Bank Savings Account — Amount not dispensed | |
Our organization is located in Pune & we have our salary account with IDBI Bank. The main concern is that when we tried to withdraw money from partner atm's the money is not withdrawn but still the money is deducted from our account The recent case was with me on 11th December 2008, I tried to withdraw Rs.3500 from Bank of Baroda(BOB) ATM and then I received the message " Transaction failed" on the ATM screen, then I did a balance check & found out that Rs.3500 were deducted from my account. I immediately called up IDBI customer care toll free number and told the entire thing. I got the answer that the amount will be reversed within 45-60 days. I told the executive that why we should suffer for the problem caused due to the Banks ATM. I asked them if we took a overdraft from IDBI of Rs.3500 then IDBI or any other bank will charge interest on that amount then why shouldnt I get interest on my amount which will be reversed after 45-60 days. Grooving more with the conversation I told the customer care executive that this problem have occured with few of our colleagues also who tried to withdraw their money from different ATM from different locations, the reply I got was terrible, the executive told me then why did we open an account with IDBI bank. My concern is: 1.Why a customer suffer if the ATM is not dispensing cash due to technical problem and the money is getting debited from your account ? 2.Dont the bank feel as a responsible body to revert back the amount within 5 working days ? 3. What should a customer do if he is in need of money in case of emergency or somebody is travelling outstation and this incident occurs ? 4. Bank should give our amount with interest as some of the bank from whose ATM the money is not dispensed is able to utilise that amount for 45-60 days. If in case if we dont pay interest to any Bank, it levies late fee charges then why a customer is not paid the interest when he is at loss in this situation? 5. Should IDBI or any other bank encourage its customer not to use any other banks ATM as this problem can occur and to use only their ATM services? 6. Should IDBI or any other BANK issue a overdraft in the name of the customer or should adjust the amount in the customers account and should reverse the amount which is not dispensed in the Banks account after 45-60 days? We as a customer should get a fair answer for this which is convincing or will be forced to take a step further as this case has happened with many people across India & have to suffer because of some others fault. Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 33 Comments | |
Comments
Dear Sir/Madam
This is to bring it to your kind attention that I, sandeep kumar rastogi, 138 anarwala, dehradun, being a Savings account holder of your bank (A/c Number: [protected]) would like to state that an amount of Rs 1950/- (ninteen hundred fifty only) has been deducted from my account on 17/12/09. I had informed my nearby branch regarding this matter but according to their statement, this amount has been deducted due to insufficient maintenance of average balance. Now to be very honest this statement is not at all satisfactory from mine I.e a customer's point of view as because while commencement of my account nobody had informed me regarding this matter from your side and also not only that I was even told that this is a ZERO BALANCE MAINTENANCE ACCOUNT (opened by LIC).
lic opened my account in idbi that it is zero balance account, but after some time i left the lic agent job. im done last transaction in august 2006. in that time i left only Rs 224 in my account and im not using this account since than. few days ago my wife sister send me 1950/-(17/12/2009) in this account but when i check my account it show nil (0). when i check my account in my branch the say all the amount is deducted from your account due to AVG BAL CHG. I could not understand AVG BAL CHG in zero balance account. they always give me interest in my 224/- amount((31/08/06) to (30/06/08). I feel myself stupid. even i dont know im wrong or right as I was informed that this is a zero balance maintained account.
Not only that before deducting such an amount from the account a customer has to be properly informed (written/verbally) regarding the whole scenario which I believe is a professional way of maintaining a proper relationship between the bank & the customer. How come bank take such a step without informing the concerned person ? It is not at all accepted from a customer's side.
I would be highly honoured if you please see to this case thoroughly and help me out regarding this matter as if this case is not solved then it would not be possible from my side to continue my account with idbi bank any more
Thanking You
This is to bring it to your kind attention that I, sandeep kumar rastogi, 138 anarwala, dehradun, being a Savings account holder of your bank (A/c Number: [protected]) would like to state that an amount of Rs 1950/- (ninteen hundred fifty only) has been deducted from my account on 17/12/09. I had informed my nearby branch regarding this matter but according to their statement, this amount has been deducted due to insufficient maintenance of average balance. Now to be very honest this statement is not at all satisfactory from mine I.e a customer's point of view as because while commencement of my account nobody had informed me regarding this matter from your side and also not only that I was even told that this is a ZERO BALANCE MAINTENANCE ACCOUNT (opened by LIC).
lic opened my account in idbi that it is zero balance account, but after some time i left the lic agent job. im done last transaction in august 2006. in that time i left only Rs 224 in my account and im not using this account since than. few days ago my wife sister send me 1950/-(17/12/2009) in this account but when i check my account it show nil (0). when i check my account in my branch the say all the amount is deducted from your account due to AVG BAL CHG. I could not understand AVG BAL CHG in zero balance account. they always give me interest in my 224/- amount((31/08/06) to (30/06/08). I feel myself stupid. even i dont know im wrong or right as I was informed that this is a zero balance maintained account.
Not only that before deducting such an amount from the account a customer has to be properly informed (written/verbally) regarding the whole scenario which I believe is a professional way of maintaining a proper relationship between the bank & the customer. How come bank take such a step without informing the concerned person ? It is not at all accepted from a customer's side.
I would be highly honoured if you please see to this case thoroughly and help me out regarding this matter as if this case is not solved then it would not be possible from my side to continue my account with idbi bank any more
Thanking You
Dear mukesh,
Kindly approach your branch. You will have to fill in a dispute form with all the details pertaining to the transaction made.
The amount will be revered with in 12 working days from the day you submit your dispute form.
regards
chin
Kindly approach your branch. You will have to fill in a dispute form with all the details pertaining to the transaction made.
The amount will be revered with in 12 working days from the day you submit your dispute form.
regards
chin
SBI Credit Card — Incorrect charging, Penalising, statements not received, Online server for payment always not working
I have been forced to buy a SBI Rail card wih lot of promises . Till date I have not recieved statement , for the first month without any transaction a fee of 250 was sent on my SMS , stil no statement Next month 450 and now 750 without even a single purchase .How is this possible ?
Even if I want to pay once for all and get rid of this annoying SBI card by closing the accont, whenever I visit the site it is always comes up with some issues .
I am fed up with the SBI card , they are cheating a lot to the customers . Will they give this credit card to a poor farmer who they cannot repay back ? All you need is interest/penalty money at any cost by cheating
Well looking at so many complaints against IDBI bank and favouring other banks, I would like to say only one thing. Look at other bank complaints the situation is same. Ask someone which is the best bank and then serach complaints against that bank, you will see the same thing.
45-60 was the minimum time for reverting balance if the atm machine dis not dispense. Then It was 15 days. Now RBI has instructed to make it 10 days or so I think. No bank pays interest in such situations, be it any bank so don't say IDBI.
SBI closed by account only within two and half months sying I did noit maintain the minimum balance. Yes it was only for 30 days and I should have been penalised while the account was closed without any pre-intimation.
Friends all banks are same. The only thing is when you come across such problems, do what is best.
45-60 was the minimum time for reverting balance if the atm machine dis not dispense. Then It was 15 days. Now RBI has instructed to make it 10 days or so I think. No bank pays interest in such situations, be it any bank so don't say IDBI.
SBI closed by account only within two and half months sying I did noit maintain the minimum balance. Yes it was only for 30 days and I should have been penalised while the account was closed without any pre-intimation.
Friends all banks are same. The only thing is when you come across such problems, do what is best.
Dear Mr. Ajay Kumar Mishra,
I do have a saving account with IDBI bank sector 63, NOIDA branch, activated on April 2010. Few days back, I tried to swipe my debit card in a restaurant, and it did not work. I was little worried about the balance amount in my account and rushed to check the balance amount in an ATM. I found that there was balance around Rs. 6700.00 on that moment but I was not able to retrieve it. Consequently, I had to call the customer care department and enquired why it’s not working. The executive conveyed that my account is obstructed due to some technical reason. As usual, they recommended me to contact my respective branch to peruse further.
Immediately I called up the branch land line number[protected] and explained all to an officer. The officer was not at all bothered what I was saying; also she kept on telling me that she is checking my account. I was asked to be online and it took more than 10-12 minutes for her to tell me that my account has been blocked due to non-delivery of cheque book.
The story starts since the doubts rise from here:
1. How your account could be blocked if the courier company does not deliver the cheque book.
2. What is the relation between cheque book and freezing an account?
3. If so, doesn’t bank need to inform the customer who might have fallen in big trouble because of this kind of non-transparency.
4. What if customer herself informs the branch via phone and verifies all her details. Still, the account will be kept in the same mode (freez)?
Next day I went to the branch caring my ID proof, resident proof, company ID and four other documents which were delivered to my communication address earlier. I showed all the documents to Mr. Mukesh (ASM) who pretended to be a manager and tried to give me so called commands like I should have received the shipment (cheque book sent by bank). He indeed showed his non customer centric attitude as well as helplessness behavior telling me that he can’t do anything. Mr. Mukesh and other female officer repeatedly explained me that the account cannot be reactivated until the cheque book is delivered to my address. It was down to my luck again when I tried to explain him that I have received all the other 4 shipments earlier sent by bank and I showed all to him. In spite of doing so, I was forced to agree the meaningless concepts he was repeatedly interpreting: “The fifth important document is cheque book and without it no one has the access to activate your account, nor the branch head, neither regional head.” The courier company has blocked my saving account and only the courier company has the authority to unblock my account added by Mr. Mukesh.
Please see the above statement carefully since it shows how much idbi officers are concerned about customers’ issue. Mr. Mukesh and the other female officer sitting next to him was so much policy & procedure oriented that they were not at all bothered to listen me. Indeed, it was rather insulting than humiliation. Even I indicated that the account can be opened by branch Head (by using his own access) in the condition similar to my case or in dormant condition. But, he (Mr. Mukesh) was more with his rigid attitude
I am working with an esteemed organization called Metrix Web Services Pvt. Ltd and our organization chosen IDBI Sector 63 only for its corporate relationship, but I believe now that officer like Mr. Mukesh creates a second thought on the reliability of IDBI bank by doing above kind of behavior.
I requested Mr. Mukesh to provide me Email IDs of Branch Head, Cluster Head but he refused instantly and asked me contact customer care. I have already waited for more then 12 business days but no action has been taken so far, still my account is in dormant condition.
No doubt I shall inform this kind of neglectful behavior of IDBI bank employees who really does not deserve this type of high responsible job. I am clueless at this moment and probably I would not be having any other option apart from raising this issue to consumer forum.
Warm regards
Jagpal Singh
[protected]
Asst Manager (E-media and News division)
www.indiareport.com
NOIDA
I do have a saving account with IDBI bank sector 63, NOIDA branch, activated on April 2010. Few days back, I tried to swipe my debit card in a restaurant, and it did not work. I was little worried about the balance amount in my account and rushed to check the balance amount in an ATM. I found that there was balance around Rs. 6700.00 on that moment but I was not able to retrieve it. Consequently, I had to call the customer care department and enquired why it’s not working. The executive conveyed that my account is obstructed due to some technical reason. As usual, they recommended me to contact my respective branch to peruse further.
Immediately I called up the branch land line number[protected] and explained all to an officer. The officer was not at all bothered what I was saying; also she kept on telling me that she is checking my account. I was asked to be online and it took more than 10-12 minutes for her to tell me that my account has been blocked due to non-delivery of cheque book.
The story starts since the doubts rise from here:
1. How your account could be blocked if the courier company does not deliver the cheque book.
2. What is the relation between cheque book and freezing an account?
3. If so, doesn’t bank need to inform the customer who might have fallen in big trouble because of this kind of non-transparency.
4. What if customer herself informs the branch via phone and verifies all her details. Still, the account will be kept in the same mode (freez)?
Next day I went to the branch caring my ID proof, resident proof, company ID and four other documents which were delivered to my communication address earlier. I showed all the documents to Mr. Mukesh (ASM) who pretended to be a manager and tried to give me so called commands like I should have received the shipment (cheque book sent by bank). He indeed showed his non customer centric attitude as well as helplessness behavior telling me that he can’t do anything. Mr. Mukesh and other female officer repeatedly explained me that the account cannot be reactivated until the cheque book is delivered to my address. It was down to my luck again when I tried to explain him that I have received all the other 4 shipments earlier sent by bank and I showed all to him. In spite of doing so, I was forced to agree the meaningless concepts he was repeatedly interpreting: “The fifth important document is cheque book and without it no one has the access to activate your account, nor the branch head, neither regional head.” The courier company has blocked my saving account and only the courier company has the authority to unblock my account added by Mr. Mukesh.
Please see the above statement carefully since it shows how much idbi officers are concerned about customers’ issue. Mr. Mukesh and the other female officer sitting next to him was so much policy & procedure oriented that they were not at all bothered to listen me. Indeed, it was rather insulting than humiliation. Even I indicated that the account can be opened by branch Head (by using his own access) in the condition similar to my case or in dormant condition. But, he (Mr. Mukesh) was more with his rigid attitude
I am working with an esteemed organization called Metrix Web Services Pvt. Ltd and our organization chosen IDBI Sector 63 only for its corporate relationship, but I believe now that officer like Mr. Mukesh creates a second thought on the reliability of IDBI bank by doing above kind of behavior.
I requested Mr. Mukesh to provide me Email IDs of Branch Head, Cluster Head but he refused instantly and asked me contact customer care. I have already waited for more then 12 business days but no action has been taken so far, still my account is in dormant condition.
No doubt I shall inform this kind of neglectful behavior of IDBI bank employees who really does not deserve this type of high responsible job. I am clueless at this moment and probably I would not be having any other option apart from raising this issue to consumer forum.
Warm regards
Jagpal Singh
[protected]
Asst Manager (E-media and News division)
www.indiareport.com
NOIDA
I have lost my debit -cum-ATM card in second week of June, I made complaint and block by old card, similerty I made request for new debit-cum-ATM card from my office (caliber Point pvt ltd). I receive new debit-cum-ATM card on July 3, 2010 on my postal adderess.but still date I am waiting for four-digit debit-cum-ATM card PIN (pass word).I am in touch with IDBI Vashi Bank, as per instruction I made re-request for PIN (pass word).but still date there is no response.
my A/C no.[protected]
my A/C no.[protected]
SWDJFGBSJUDB
Dear Sir
I am prabhat trivedi.My salary account in idbi bank ashok marg lucknow branch.
my ac no is [protected].i have used my atm in obc ranjit nagar branch kanpur for two times on dt[protected]and 14-12/2010 for 200 and 200 rs.
My account has debitted but i have not received amount for two times.
this is my request to you plz credit the amount on urgent bases.
I am prabhat trivedi.My salary account in idbi bank ashok marg lucknow branch.
my ac no is [protected].i have used my atm in obc ranjit nagar branch kanpur for two times on dt[protected]and 14-12/2010 for 200 and 200 rs.
My account has debitted but i have not received amount for two times.
this is my request to you plz credit the amount on urgent bases.
ATM Withdrawl Difference amount adjusting — ATM Withdrawal Difference amount adjusting
R/s SirToday[protected] on 10.05 AM) I withdrawl requested amount of Rs. 5000.00 (Rs. Five Thousand) Only from my State Bank Of India, Branch Janjgir Account Number [protected] from AXIS Bank's ATM situated at Janjgir, Distt. - Janjgir-Champa (Chhattisgarh) (ATM ID - S1DC7352), But amount actually disbursed from ATM is only Rs. 3500.00 (Rs. Thirty Thousand Five Hundred) only & Rs. 5000.00 (Rs. Five Thousand) Only amount debited from my above account.
So kindly please adjust (send back) the rest amount of Rs. 1500.00 (Rs. One Thousand Five Hundred) only to my above SBI acount as soon as possible. Here i attached the picture of ATM Withdrawl Slip for your further action.
The customer Complaint Form also submitted to concerned SBI Bank (State Bank Of India, Branch Janjgir) & also nearest Axis Bank Branch Champa (Chhattisgarh).
Thakning You.
Ashwani Kumar Rathore
Janjgir[C.G.]
IDBI BANK SAVING ACCOUNT — NO UPDATES IN CASE OF ACCOUNT OPENING
I HAD FULFILLED THE SAVING ACCOUNT FORMALITIES IN THE MONTH OF MARCH 2011 (LAST WEEK). BUT TILL DATE THERE IS NO CLEAR STATUS OF ACCOUNT. AS I ASKED FOR THE REASON NO BODY IS GIVING THE CLEAR STATUS OF THE SAVING ACCOUNT.THANKS & REGARDS
AKSHAT PANDEY
i also recently faced some problems with this bank, first it took 4-5 min to connect to call centre, i told the guy that i have forgot my password, instead of giving me a request number he asked me to visit a bank and make a written request, this was pathetic, going to branch in bangalore traffice is like 30 mins drive for 7 KM and time wastage, i had somehow opened a personal account, but now would like to close this ASAP, can someone help, pls mail me at [protected]@gmail.com
Dear Sir
This is to bring to your kind notice on Decline of Transaction from the ATM for the transaction which i tried
from one of SBBJ ATM located in Shyambazar A.P.C. Road, Kolkata (ATM ID S10B[protected]
on the 03th November 2011 at 17.36 hrs from My IDBI Bank Account No. [protected] (Shyambazar,
Kolkata). I tried to withdraw Rs.1000/- (Rupees One Thousand ) using My ATM Card from the above
mentioned ATM, This Withdrawal Transaction was Declined (TXN No.: 999).
But, I found in my next mini statement that the transaction amount which was declined has been Debited from
my Account. I bring this to you kind notice as a complaint and request you to do the needful immediately to
credit this deducted amount for which the ATM has not dispensed.
Please let me know when this amount will be reflecting back in my account as i am in need of this money for
an emergency purpose.
I also request you to Suggest me on this for further procedures to recover this amount at the earliest.
Thanking you, In anticipation of your early and favourable reply.
AVIJIT SEN
A/C No. [protected]
IDBI Bank
Shyambazar,
Raja dinendra St.
Kolkata - 700 004.
Mobile No. :[protected]
P.S. : I am having all the transaction slips with me with the declined note &
I am submitted photocopy of transaction slips and mini statemane along with this letter.
This is to bring to your kind notice on Decline of Transaction from the ATM for the transaction which i tried
from one of SBBJ ATM located in Shyambazar A.P.C. Road, Kolkata (ATM ID S10B[protected]
on the 03th November 2011 at 17.36 hrs from My IDBI Bank Account No. [protected] (Shyambazar,
Kolkata). I tried to withdraw Rs.1000/- (Rupees One Thousand ) using My ATM Card from the above
mentioned ATM, This Withdrawal Transaction was Declined (TXN No.: 999).
But, I found in my next mini statement that the transaction amount which was declined has been Debited from
my Account. I bring this to you kind notice as a complaint and request you to do the needful immediately to
credit this deducted amount for which the ATM has not dispensed.
Please let me know when this amount will be reflecting back in my account as i am in need of this money for
an emergency purpose.
I also request you to Suggest me on this for further procedures to recover this amount at the earliest.
Thanking you, In anticipation of your early and favourable reply.
AVIJIT SEN
A/C No. [protected]
IDBI Bank
Shyambazar,
Raja dinendra St.
Kolkata - 700 004.
Mobile No. :[protected]
P.S. : I am having all the transaction slips with me with the declined note &
I am submitted photocopy of transaction slips and mini statemane along with this letter.
Customer satisfaction rating Customer satisfaction rating is a complex algorithm that helps our users determine how good
a company is at responding and resolving complaints by granting from 1 to 5 stars for each
complaint and then ultimately combining them all for an overall score.
Read more
Read more
24%
Complaints
1801
Pending
0
Resolved
438
View all 1801 IDBI Bank reviews & complaints
+91 22 2218 9111
+91 22 6655 2758
+91 22 6655 3355
IDBI Tower, WTC Complex, Cuffe Parade - Colaba, Mumbai, Maharashtra, India - 400005
View all IDBI Bank contact information
IDBI Bank — AMOUNT DEBITED FROM MY ACCOUNT BUT CASH WAS NOT DISPENSED
On 15/12/2009 I tried to withdraw Rs. 500/- from State Bank of India ATM [ s1cc00164003 ], Phaphadih Raipur from my IDBI Bank salary A/C No. [protected]. I got "TRANSACTION DECLINED", "UNABLE TO PROCESS", "TXN NO: 5713" slip.I surprised when I came to know that amount is debited from my account i.e. showing withdrawal of Rs. 500/-. Therefore, I would like to request you to the needful so that the amount (Rs. 500/-) shall be credited back to IDBI salary account, at the earliest.
I went to the SBI Bank to lodge a complaint, he said you have to lodge complaint to IDBI bank. So please take this complaint as soon as possible and resolve the matter.
Thaning you,
Mukesh Kumar Dewangan
Bhilai Durg (C.G.)
E-mail: [protected]@rediff.com