As i woke up one fine morning and logged into my bank account (Sb-97238, magam), i was surprised to see that my account had been frozen on account of being guilty of standing guarantor to one of my acquaintances who held kcc in singpora branch of jkbank (Kcc-631) and had not paid the amount of interest due to the organization. The piece of information that i am divulging here as the cause precipitating the freezing of my account nowhere in the world came from any quarters of the organization until i had the notion of having timelessness at my disposal, and therefore the antithesis of it at theirs thus turned this moment of ecstasy bordering sexual excitement into action and visited the bank to get the information for good.in a few days of time, i got the oxymoronic beneficiary of my guarantee to renew the account and pay the interest due to the bank while expecting things to fall in line, but nothing of that sort happened. My waiting went on for one more week.
I gathered my nerves and called the branch head - magam (Bh-magam) knowing that if i know anything about him it is “he does not give a damn, you call him a thousand times, he will drop you a thousand and one times”.in whole of the trail this was the only thing that went ditto according to my expectations. By sheer leap of faith i managed to go on exhaustively far beyond a thousand dials to elicit his response. He assured of resolving the issue but the time is still ticking. A day went by and i made the beneficiary of my guarantee to visit his branch to ensure if the bh-siingpora there had actually sent a mail to his counterpart (Bh-magam) in the business unit i hold my account in, asking the latter to unfreeze the frozen account following the receipt of dues. While the response of the former was in affirmative but he didn't hesitate in redirecting the poor fellow (Amid the incessant rains and snow blizzard) to yet another branch (Narbal branch) for no fault of his. The bh-magam had erroneously frozen my account (In-lieu) against defaulting of a nonexistent defaulter which came to light when the bh-narbal (To which the poor wretch in my beneficiary was redirected) outrightly denied of having any such account in his records. He further revealed that it is mere a typographical error that has made the whole affair worse as the account against which the other account was frozen and should have been unfreezed after the payment of dues, differs only in “branch code” from the non-existent account supposedly existent in his records. None of the bh's bothered to call the other counterparts to resolve the issue.
As the sorry state of affairs unfolded further, i informed a friend about the matter who took the trouble of sending me the ‘customer care number' (Toll free). I dialled it thrice but the voice on the other end responded only once as if for the last time. “dial the complaint no, 019….99”, so whispered the voice before hanging it up with a bang.
I dialled the ‘complaint number’, and it took an eternity to get an answer, meanwhile i, under my breath, muttered all the curse there in the hell upon the decision that incapacitated the employees of govt. Of j&k to choose a banking organisation other than the j&k bank as the ‘banking service provider’. Although my call was eventually answered but as they say, ‘ haste makes a terrible waste’, the party answering my call was in no better a position to understand my part of the story anywhere between their urge to lunch and drop the call, thus the closest they came to my problem was when i was misconstrued for some bh by them.
A week elapsed by and i visited the bank yet again where i was told a new story unknown hitherto by the bh-magam. It was that the bh-singhpora had sent no mail whatsoever to the bh-magam. As i write, my account continues to be in suspension, and it has been in this state for about a month and half.
Kindly look into the matter so that i am rid of the predicament for good.
Jammu & Kashmir Bank / J&K Bank customer support has been notified about the posted complaint.
Munazah Mushtaq
Acc. Sb11753
Branch botshah mohalla