| Address: Mumbai Suburban, Maharashtra |
Copy of letter sent to IDBI Bank Ltd, Nodal officer, who have still not reverted on the same even after 2 days time
Sir / Madam,
This is with reference to the new a/c. opening forms submitted by me to open a
Local & NRE a/c. at ur Borivali Br. on[protected]. Even after completing all the
formalities as required by the branch, & giving the initial a/c. opening forms
along with the cheques, which has already been debited by my respective banks as
on[protected], still the a/c. had not been sent by the branch for further
processing & kept pending, giving a reason of need of additional documents.
Firstly, I don't understand when the a/c. opening form was submitted, verified &
accepted, & the cheques issued with the same were processed & send for clearing,
subsequently how additional docs pending clause comes into effect for opening of
the a/c. being informed. How can ur documents requirement keep on changing & each
& every time u keep on asking for any new additional documentation to be adhered
to by me giving the KYC procedural requirement as a clause to be blamed.
On[protected], I had personally visited the Borivali branch for processing of my
applications, as the cheques given along with the application forms submitted had
already been cleared, & no initiative was being taken by the branch to send the
application forms for further processing of the account. I realised that the Idbi
Intech employee Mr. Shrikant Hirwale, had changed my Local A/c. opening form
without considering it necessary to inform me about the reasons for doing the
same, & instead kept me in loop. He had detached the first page of the
application, where there are no signatures to be made by the a/c. holders, &
affixed it to the remaining form, which actually contains signature & was not in
his control. It can be termed as fraud, & misrepresentation of facts, once the
docs are submitted to u on belief, that the same will not be altered, before it
goes for further processing, & copies of the docs submitted for a/c. opening is
not misused, as I had already suffered a burn of the same with my previous
transaction with another bank. Still although the bank branch had committed a
fraud with my docs, I decided not to lodge a complaint about the official
concerned, as after I got angry, he accepted the error committed by him & was told
that the a/c. would be opened today itself. When I did not get any response from
him or any o[censored]r branch officials,I contacted the person at around 8 p.m., & he
gave me an excuse that it was not possible to open the a/c. today, as the branch
manager was not available on that day & was told that it would definitely be
opened on the very next day.
On[protected], instead of sending the forms, & getting the a/c's opened, they
created a mess of a name change issue of the third holder in the local a/c.
opening form, where in the voters i card there is an extra y in the surname, but
all the other docs of the family members given, has the proper name, & I have
given proof much more than any bank can actually ask a customer to provide for
opening of an account as per RBI guidelines. As regards the NRE a/c., branch had
concerns about address of the joint holder, for which also an e-mail had already
been sent to the branch on[protected] at around 12 midnight on the request of the
branch to expedite the case, but instead of getting it thru, was being told that
the same is still pending to be received from the customer end.
Then on[protected], at around 10.30a.m. I approached Mr. Yatin Bapat, a team
leader executive from ur phone banking to help me with sorting out the issue, who
literally tried to help me out to resolve the issue with all his means & powers,
but was unable to get a proper resolution for the same. I was told by him that Mr.
D'mello from the regional office would call on me, instead I received a call from
Borivali branch manager Mr. Dharmesh Gandhi, after a complaint was raised at ur
end, & he was not very good in talking terms & he has criticised me for all errors
done from his branch. I had already forwarded u the mail yesterday sent by Mr.
Avishek Dasgupta, the assistant manager of the branch of the docs he wanted for
NRE a/c. opening, the mail which did not make sense. I really dont understand how
ur officials work, & why should a customer suffer due to the status & egositic
issues o[censored]r branch officials. Can I ask u, what powers have been given to them to
say anything to customers as they want to & are pleased. I am at no fault to open
an account with IDBI, but why I am being targeted for no fault of mine.
As I did not get any resolution from ur end, I had to approach the nodal officer
of the bank directly, Ms. Samiksha to look into the same & resolve the same at the
earliest.
Can u pl. inform me what is the procedure u follow to open an a/c. & what is the
fault of the customer when there are lapses from the branch level, who are never
being made answerable for whatever wrong information & errors they do from their
end, & put the blame on the customers. I request ur goodself to take up the issue
at a priority level & expedite the account opening process with an intimation to
me on a regular basis.
I had also given ample time to each o[censored]r concerned officials though they were
involved in all the wrong doings, to finalise the issue at their end, without
making the issue a very big thing, but had to sought ur help as no things were
moving around.
If I do not get a favourable reply from ur end, I would be forced to complain the
same at a higher level, as my things have already turned muckier.
Thanks & Regards,
Manish.
Aug 13, 2020
Complaint marked as Resolved 
Applied for the home loan of Rs.1200000.00 and submitted all the required documents along with the processing charges of Rs.2500.00 vide SBI cheque no. 602015 on June 2012 as needed. The process carried for 2-3 weeks .After 1 months of regular follow up with IDBI Bank, Garia R.C Branch, finally got a call regarding the Sanction/approval of my loan along with EMI Rs. 17760.00 by Miss Mega Agarwal, Credit Manager. But the sanction/approval order was not yet issued by the Assistant Manager; Mr. R. Khurana and then within two more additional weeks received a message from the Mr. R. Khurana that the loan cannot be given by him due to non availability of another S/B - A/c. except this existing salary account.
I needed the loan for the construction of my home on the plot now i am not in position to repay due to such unpleasant reply from the bank. Really not at all appreciate such a way the IDBI personals treat the customer just to gather the processing fees. Asked the personnel to return the original submitted papers along with processing fees of Rs. 2500.00 with interest thereon and that too is taken already a month and still not returned. Delays in sanction or non-observance of prescribed time schedule for disposal of loan application or non observance of any other directions or instructions of the Reserve Bank, etc. and (c). Other matters as may be specified by the Reserve Bank. Ombudsman would make recommendations after listening to parties. Since no one to listen i am submitting this grievance only harassment allegation. Hope to get some positive feedback and my original papers plus processing fees with accrued interest soon or surely have to seek legal government help to sort such nonsense.
Yours faithfully,
Ujjal Kanti Mishra
[protected]@ymail.com.
Kolkata – 700152.
Dated The