[Resolved]  IDFC Bank — Unwarranted return of checks

We have an account in your Liberty Himayathnagar Branch. We shifted from Union Bank Himayathnagar since you offered us doorstep banking. We have a balance of above Rs.3.5 lacs. However the very first check that we issued on 1st February 2021 for Rs.9000/- was rejected on the grounds that the signatures do not tally. We spoke to the branch and told them that the signatures were exactly the same as the ones they had taken while opening of the account. Please note that the first signatory is Mr.T.Prabhakar Rao aged 76, OSD to the Power Minister, Government of Telangana with service of more than 50 years. The second signatory is the undersigned aged 70 Managing Director of Deccan Coach Builders Pvt.Ltd again with service of more than 50 years. Our signatures do not vary. Even then we told the branch to come and take a new set of signatures. They said the same was not required and earlier there had been a mistake and asked us to issue a new check. The second check to the same party for the same amount was issued on 19th February 2021. The same has again been returned this time with new reasons. Accordingly I wrote a letter to the branch enclosing the returned check and the rejection slip (reproduced below) but your branch person Mr.Chiranjeevi spoke to me even without reading the letter, asking when we issued the previous check. I asked him to go through the letter and then also requested him to issue a bankers check to the said party for Rs.9000/-. I said the same can be issued on the basis of my letter which clearly requests for such a bankers check to be made. He said we have to fill a different form for the same, and he sent the same to me through my person, but he also sent back my letter and refused to accept the same. He also informed my person that by the time he comes back the bank timings will be over so he should come only on Tuesday. I sent him back to the branch to obtain an acknowledgement on the copy of the letter issued by us. Your staff simply refused to accept the letter, refused to sign on the copy of the same and in fact even refused to talk to me on the phone. I asked my man to simply leave the letter on the counter and come off.
In view of the above behaviour of your staff we have lost the confidence that you can provide very amiable service to us and as such would like to kindly close the account.Please arrange to close our account and issue a bankers check for the outstanding balance in favour of our Association itself so that we can deposit the same back into our old account with the Union bank Himayathnagar. Please do the needful at the earliest
copy of letter sent by us with the returned check as well as the returning slip attached to the same.PALACE ORCHARDS FLAT OWNERS WELFARE ASSOCIATION
3-6-108, Himayathnagar, Hyderabad-500029.

PRESIDENT SECRETARY TREASURER
Shri T.Prabhakar Rao Shri.Govind Agarwal Shri.S.Janardhan
O.S.D. to Power Minister President Agarwal Samaj Telangana Vice President:Vaidehi Ashram
Government of Telangana President: The Hyderabad Whole Director:Pushpagiri Eye
[protected] Sale Art Silk Cloth Merchants Hospital. President:Arya Samaj
[protected] High School Kavadiguda
[protected]
The Branch Manager 26.03.2021
IDFC first bank
Liberty Branch, Liberty.

Sir,
Sub: unwarranted return of check the 2nd time

We had issued a check to our lift AMC service provider vide check No 1 on 01.02.2021. It was an account payee check presented to your bank in clearing. The same was returned by you stating that the signatures do not match. I had called up the bank and asked them why this problem has arisen as it was signed by the President and the Treasurer with the same signatures as given to you at the time of opening the account with you. We also requested that in case of any doubt you can come and take the signatures once again. We were assured that it was a mistake and to issue another check.
We issued the second check to them on 19.02.2021 and the same was again returned by you with reasons “Drawer’s signature/authority to operate account not received” and “Alterations require drawer’s authentication”. We are unable to understand why this was done. When we had already telephoned and complained about the earlier returning of the check no such issue was raised.
Our association is run mostly be senior citizens who cannot do any running around the banks. That is why we chose to shift from Union Bank to your bank as you promised to give us doorstep banking. However, we find that once the account was opened no such doorstep facility was provided. In fact, no action was taken against our several complaints that we are unable to operate internet banking and are unable to even pay our electricity bills on line.
We want you now, to issue a pay order in favour of “Autotronic Elevator Service” for Rs.9000/- and also immediately ensure that we get our internet banking facility, failing which we shall be constrained to close our account and go back to the union bank who now promise simple internet banking facility to us.
The returned check as well as the returning slip is also enclosed for your perusal. Please send your personal to take a fresh set of specimen signatures if required and also to operate the internet banking on our computer and show us the same.
Please treat the matter as most important and urgent.

For P.O.F.O.W.A.

S..Janardhan
Treasurer