Jammu & Kashmir Bank / J&K Bank Complaints & Reviews

Amazon has intiated my refund on 21 december but i didnt recieved even after 5 days. I want to know the status of my refund. The reference number is 16102498. Every time this happened to me before and your bank was responsible for it because amazon do it's responsibility very well and one time i called the toll free number and one of your executive said we don't accept third party reference code. What does that mean. You know reference codes are universal. So i request you to help me

On 10th september 2013, we visited the j&k branch in brein, nishat, srinagar and submitted a written form duly signed by her regarding her chosen nominee (Her daughter) for her account and fdr. She has two children, one male and one female. On the same date, i submitted a similar request to the oriental bank based in polo view where she had chosen her son as nominee. One week later, 17th september 2013 i re-visited the j&k brein branch to see if her wishes were complied with. Apparently, they had 'lost' the form. I then re-submitted her request for the same and assumed all was well.
In 2014 there were floods and we did not have sufficient time to visit the said bank; in 2015 my mother in law was severely ill and had to be rushed to new delhi for treatment. Once again there was no time to check on the banks.
In 2016 she was again quite ill and succumbed to her illness in late january 2017. We were all very devastated by her demise and after the funeral ceremonies, we left for the uk, where we are based.
In june this year (2018) we were calm enough to explore issues relating to her wishes. The oriental bank in polo view had everything up-to-date but the j&k brein branch "insisted" they had no documents at all. This surprised us no end as i was involved in the whole process.
In order to save time, we were told to open an nro account so that transfer of funds would be smooth. We did that but that did not help. The new man in charge of fdrs was very unhelpful. A visit to the advocate nearby was also fruitless.
We are now in total confusion: we have our own account (Nre) in j&k air cargo branch in raj bagh since 1996. We have been very happy with the said branch. This is the first time we have faced such a lack of helpfulness fro j&k branch staff.
What is the way forward? Please help us to resolve this issue. We shall be extremely grateful for any help you can provide us. Thank you in advance for your help

Aa sir / madam. First it is unfortunate that the email address of jk bank branch verinag is not available online for customers through which any grievance could be placed before the manager of the branch for redressal which compelled me to submit the complaint on your common complaint portal where as per ratings satisfaction of customers is only 3% which is also unfortunate. At present customers have no time to gather at your branches for redressal of their grievances. As far my case is concerned i am working in police department and has not time to attend jk branch verinag. If email address would have been available i would have placed my grievance before the branch manager directly which was a fine way redress problems of customers. However my grievance is that an account no.[protected] was opened on the name of my daughter. I have deposited rs.1000/- through mpay of jk bank in the month of december 2018 at 07.16.02 pm on 06.12.2018 and the transaction was reported successful by the mpay but while checking the account balance the balance is zero. Please look into the matter and redress the problem.

Dear bank,

I’m avinash bisen holding icici bank cisa debit card [protected]. I was withdrawing money ₹10000 on 29/12/18 from your gulmarg atm branch but that transition has been declined and given error 103. But now i can check that amount has been debited from my account so kindly please let me know about how file complaints for refund and further processing.
For further inquiries drop me a mail on avinash. [protected]@live.in

My j&kbank mpay app wasn't working since yesterday. Finally i uninstalled the app and re-installed it. Now there's a new problem. The app asks to validate an sms sent to my registered mobile no. When i proceed, the app neither sends any sms nor validates anything. Just shows a connection problem while my internet is working totally fine. Now i'm not able to use the app at all

I visted jk bank nowhatta and filled my form for linking number with my account and today after 2 months i went back why my number is not linked. They told me to fill form again. What the hell is this and why we are being ignored. If i would have not been a government servant i would have nevet opened my account in this branch. Please instruct your jk bank employees to do their work properly and not to do their relatives work first

J&k branch tanghdar. Asalamulikum sir/ madam. J&k bank branch tangdhar ka staff bahut hi careless hai aur thek se apna kaam nhn kar rehe hein. Even tak keh agr hum mein j&k bank ka sms form ya debit card ke liye form chahiye hota hai woh bi hum logon ko baher shop se lana padta hai woh bi 10 rs mein as per j&k bank guideliness custumers ko har ek form bank branch se hi mile gah but unfortunately is branch mein sab kuch baher se lana padhta hai. Meri higher authorities se guzarish hai keh wahan ki staff ko change kiya jaye especially bank manager. Hope yeah issue sout out ho jaye.

In kota rajasthan atm in bank of baroda atm 4000 today on 11.27 am but not give cash pl sir refund my amount as soon as possible sir i have very importantance of these rupee i ami very for away from my state please sir help me my son`s admission in kota please refund my ammount i havan already do au customer call at today [protected] bvcbfsxcg nbvnccvzx ndvvxvbcvhfgh jhfgedsscgxgg knbvgcvsxddd nhghfftdcghhgdcg jhcggcbhhdc jhcvfdrhdxv mbvfgcvvg nbvcgt thnx ji h bcuz used msgs usher

It is with deep regret i am writing this to notify you about my abominable banking experience in reference to the communications & the verbal reporting of subject matter highlighted to the concerned bank through a written complaint who expressed their inability to reinstate the unauthorized charges & directed me to approach higher authorities who also failed to respond as if gone to deaf ears, compelling me to bring it to the notice of consumer forum for further actions...

It has been apprised on multiple instances escalating my horrendous discourse & has therefore been notified that my banking account: sb: 36390 has consecutive unauthorized mab debits followed by some unspecified illegitimate card charges contrary to the actual banking agreement signed which incommensurate to comply with the rbi guidelines, because of this deceitful act, my banking experience has turned obverse in an era where such services are boundlessly available without any extra charges, offering free banking besides unbridled complimentary transactions /issuance of plastic cards etc.

It has therefore been an unprecedented lack o[censored]nprofessionalism & has been a profound displeasure & an act of sheer scandalism besides a dwindling trust deficit surpassing beyond acceptability.

Enlisted are the prominent highlights of this deceitful discourse...

An estimated unauthorized amount of inr 2104.68 levied in the form of mab & card charges, nether communicated nor intimated ever even at the time of opening the account or thereafter

•amount of 2104.68 against mab & card charges enforced illegally without my approval or consent because no such charges were ever specified through any medium or have not singed any agreement of whatsoever kind which authorizes you to levy any charges without my consent, it's rather your professional delinquency because i have not authorized anyone whosoever to withhold or retain or levy any charges against my account not approved by me as it was transparently cleared before the actual banking agreement signed

Enclosed is the attachment for your reference submitted in the bank who for my stunning surprise expressed their handicapy to assist when i was clearly directed by your customer support to approach the home branch where it was conveniently possible to reinstate the said charges which they defied...

Demand is hereby made to...
1) reinstate my account & immediately refund all illegitimate charges levied without my dispensation.

2) refund in full must be commenced towards the linked account or further actions may be initiated

3) due to this illegal mab & other unspecified charges levied, my whole banking experience with you has turned into abomination in an era where such services are competitively available free of cost to retain absolute customer delight...

4) demand is hereby made to restore my account to its former state & issue a fresh banking agreement specifying all charges transparently to enable me to decide whether to approve my consent or may surrender the plastic card besides my full-fledged account, withdrawing all the deposited money if in case terms & conditions or policies whatever applicable are not feasible for me…

Its therefore demanded to enforce a fresh agreement as per my consent & approval because the agreement you are maintaining is typically unauthorized, standing void & legally nullified

Higher authorities are therefore been advised to take a strong note of this professional inadequacy & promptly intervene and bring the matter to closure lest may have to approach rbi vigilance wing for further actions..

Additionally, you are hereby notified that you are not authorized to levy any additional charges of any kind whatsoever against the bank account controlled by me at any time unless such charge is specifically authorized by me in writing, pursuant to the rbi guidelines lest may have to approach legal authorities for further proceedings…

Dear sir,
Dear sir,
I want to your grave concern towards this issue. I have been maintaining current account no: [protected] as well as saving account no:[protected] for many years in main branch moga. Further more you can check my frequently transaction that is done through moga branch as well as i am active policy holder of some launched policies. Despite my fair dealing bank manager (Balwinder singh) misbehaved and cheated with me.
I hope you will look into this matter and suitable follow-up as soon as possible.

M:[protected]

Sir
I m writing this letter with utter disappointment which i m facing from last 2 months. Sir my father named gh hassan bhat s/o gh mohoudin bhat r/o mandoora tral was sanctioned sheep farm by animal and sheep husbandry pulwama. After producing every document and completing every formalities, my father was made to wait. Even sheep husbandry department issued departmental letter and medical certificate even then nothing positive came out. This is the way u people are treating us.
Now i have written application to dc regarding this as this farm was sanctioned sheep under a scheme and jk bank is a financer. To b frank jk bank tral especially credit department is working for few people there. Common people are ignored there. I can mention few names n can tell whom they r serving but being myself an employee i can't do that. Hope my grievence will b redressed and hope common people there can get something out of it

Sir with due respect, i mr gulshan ahmad wani from wagoora, that i received a cheque from haj house srinagar so i went to said bank for confirmation, that i go to the counter where one of your employ namely mr saleem was and i show him cheque but he shouts me and said go to another counter his behavior was not like a bank employ i was insulted by him and i took the cheque back till now i have not encashed the said cheque. I am a respected person in my society and retired as headmaster of high school. I was a gazetted officers also and a good customer of your bank not a lonee. My amount is in your bank sir you can verify it. I have atleast 8 good accounts in your bank. My two son, wife, daughter in law, daughter, grandson&grand daughter. If your bank employ do this behavior then i am not interested to maintain my accounts in your said bank. So sir with due respect kindy see my complaint and verify the matter call the employ. Sir waiting for your good reply. Gulshan ahmad wani resident of wagoora district baramulla.

Sir,
I am having an account in your business unit of b p batamaloo. I want to bring to your notice that we are facing a lot of trouble in running our accounts as the staff is not cooperative we deposit the cash at around 10.15 in the morning and it is credited in our account at about 12 noon when going for enquiry about the same we are repeadedly told we have system down it has been the problem since a month today when we enquired about the same the concerned lady told that i can't do it quickly go make a complaint of this problem i don't care.
Second problem we are facing is of encashment of bearer cheques the branch gives cash to only one cheque per day for a customer and says deposit the remaining in accounts we are running business and when our customers give us cheque we have to cash it so we can give them the goods against the cheque amount when i personally contacted the branch head about this he said we have this rule here. This rule is for only this branch and not other branches where we encash multiple cheques at a time.
I am the account holder of j k bank from last 20 years at various branches like alamgiri bazar, nallamar road, safa kadal, air cargo etc where i had accounts but has never seen the staff like this.
Kindly look into the matter and do the needful else we have no choice than switching to other bank that can provide better service.

Mohammed faheem shah.

You are charging every two months for amb. In past it has been never happen. Since this year you charges around rupee 1000 for amb & I am student & many times it becomes impossible to maintain amb. It is harsh step by your branch. Plese check the status and aware me about it. Otherwise I have to go through stict complaints & actions. I m tired by your every month charges. You hqve charge more than any amb status. This is simply a way for...

Sir

I gulzar ahmed reshi r/o botashah mohalla, lal bazar, sgr is here with grevience regarding the payment of two cheque’s to a fake and fraudulent account opened up with the help of some j and k bank employees.
We had issues two cheque’s bearing cheque no’s
I) 320611. (Branch ibd srinagar)
Ii) 577677 (Branch residency road, sgr)
Both dated 08.09.2014, each for rs. 10.00 lacs (Total 20.00 lacs) favouring sunil kumar thusoo (Payees a/c). The cheque’s were to be paid to the said beneficiary, however has been credited in a fictious and fraud account opened with your bank branch residency road, jammu. This account was opened on the same date even without the proper documents required to open a bank account. This account was opened under the supervision of mr anoop bhat (Manager, j and k bank, residency road, jammu) which clearly shows the involvement of j and k bank official in this conspiracy. The first transaction made in this account was of rs 20.00 lacs (Our cheque’s) and it was immediately transferred to the account of mr navin singh sambhyal (Associate of mr anoop bhat). This clearly indicates suspicion but bank officials tend to over look it as they were themselves part of this conspiracy.
As we trusted j and k bank so we were assured that payment has been received by the party we are dealing with so we further paid a hefty amount of money to that person.. We thought cheque’s has been cashed in by sunil kumar thusoo but we were not aware that a fraud account was opened up with the help of bank officials. This distrust caused on behalf of j and k bank has resulted in me paying a huge amount of money to the fraud involved in conspiracy with j and k bank employees. This con was not possible if bank employees were not included.
Sir due to this fraud i have suffered both financially and mentally. My bussiness has came to a complete stop. Due to this and my family is also facing the consequences as i am not able to support them properly.
So i request to process my application asap and demand the refund and compensation of my hard earned money so that i keep my respect among the people i do bussiness with and support my family properly. I am hoping that you will deal with the culprits harshly and make an example out of them so that no common man like me should suffer like this. This fraud has broken my backbone and has bought unexplainable suffering to me.
I hope on the humatarian ground you will process this application cum complaint asap and end my suffering. I am looking forward to your reply.
In case you need any other information regarding this fraud please feel free to contact me anytime.

Regards
Gulzar ahmed reshi
Customer j and k bank
[protected]
[protected]@icloud.com

1. It was smooth going till 02 december 2018 when i checked my account statement online and 104 rupees were deducted as amb chrg incl gst for oct 2018 respectively.

2. I have very low balances in the past also but was neither been charged nor been informed for the same.

3. I am highly dissapointed with this kind of deductions without any prior notice to customers, which force me to write such complaint and at the same time request you to refund the amount.

4. At the same time, i will also be approaching to the concerned rbi authorities to look into this matter, otherwise the only option left to me to close this account asap.

5. Looking forward for your postive response.

Regards

That i have an account from last years 2017 under account no. [protected]. Namely shah imran i have zero balance but from one year some problem so i cannot maintain balance in my account in one year. I received my transfer amount 18000 but the balance was zero (0) bank manger care i told that why my balance deducted. They told me you have zero balance. I told if i repeat deposit did you deducted my balance again they told no. I received again transfer 18000 but the balance is zero. They cut my balance in atm card, and sms perposes but atm charges usage is only in year rupess 100 and simlarly in sms now i want please return my 18000...

It is with deep regret i am writing this to notify you about my abominable banking experience in reference to the communications & the verbal reporting of subject matter highlighted to the concerned bank through a written complaint who expressed their inability to reinstate my account & directed me to approach higher authorities who also didn't respond at all as if gone to deaf ears, compelling me to bring it to the notice of consumer forum for further actions...

It has been apprised on multiple instances escalating my horrendous discourse & has therefore been notified that my banking account: sb: 36390 has consecutive unauthorized mab debits followed by some unspecified illegitimate card charges contrary to the actual banking agreement signed which incommensurate to comply with the rbi regulations. Because of this deceitful act, my banking experience has turned obverse in an era where such services are boundlessly available without any extra charges, offering free banking besides unbridled complimentary transactions /issuance of plastic cards etc.

It has therefore been an unprecedented lack o[censored]nprofessionalism & has been a profound displeasure & an act of sheer scandalism besides a dwindling trust deficit surpassing beyond acceptability.

Enlisted are the prominent highlights of this deceitful discourse...

An estimated unauthorized amount of inr 2104.68 levied in the form of mab & card charges, nether communicated nor intimated ever even at the time of opening the account or thereafter

•amount of 2104.68 against mab & card charges enforced illegally without my approval or consent because no such charges were ever specified through any medium or have not singed any agreement of whatsoever kind which authorizes you to levy any charges without my consent, it's rather your professional delinquency because i have not authorized anyone whosoever to withhold or retain or levy any charges against my account not approved by me as it was transparently cleared before the actual banking agreement signed

Enclosed is the attachment for your reference submitted in the bank who for my stunning surprise expressed their handicapy to assist when i was clearly directed by your customer support to approach the concerned branch where it was conveniently possible to reinstate the charges which they defied...

Demand is hereby made to...
• reinstate my account & immediately refund all illegitimate charges levied without my dispensation.
• refund in full must be commenced towards the linked account or further actions may be initiated
• due to this illegal mab & other unspecified charges levied, my whole banking experience with you has turned into abomination in an era where such services are competitively available free of cost to retain absolute customer delight...

• demand is hereby made to restore my account to its former state & issue a fresh banking agreement specifying all charges transparently to enable me to decide whether to approve my consent or may surrender the plastic card besides my full-fledged account, withdrawing all the deposited money if in case terms & conditions or policies whatever applicable are not feasible for me…

• its therefore demanded to enforce a fresh agreement as per my consent & approval because the agreement you are maintaining is typically unauthorized, standing void & legally nullified

• higher authorities are therefore been advised to take a strong note of this professional inadequacy & promptly intervene and bring the matter to closure lest may have to approach rbi vigilance wing for further proceedings


Additionally, you are hereby notified that you are not authorized to levy any additional charges of any kind whatsoever against the bank account controlled by me at any time unless such charge is specifically authorized by me in writing, pursuant to the rbi guidelines lest may have to approach legal authorities for further proceedings….


Contemplating for a prompt response ….

Regards...
Irshad ahmad zargar

Nimma hudugiru nimma jothe iruvaaga, bere hudugiyarannau kannetthi nododirli avara bagege keelu darjeya mathugalagali, levadi maduvadaagali maadabedi. Adu thirugi nimma mele prabhava beeri nimma prema jeevana halaadeethu.
Dear Customer, You have been charged Rs. 3.00 and your current balance is 90.41.

Received this message from Jammu & Kashmir Bank Main Brach. Messaging number is 51998.

I have a small savings account with j&k bank branch nagam chadoora (Sb-1221). Recently the bank has deducted an amount of 135 and later they deducted around 1450 from my account for account maintenance charge. Although the account is small savings account and does not carry any account maintenance charges. I am requesting you to please reverse the amount in my favour and help me to get my hard earned money back.
Although i visited the branch and spoke to customer service representatives but it was all in vain. Nobody is ready to help as everyone is saying that its not their domain to reimburse the amount deducted.