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

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.

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.

Bbcalc recovery charges 450 this month
Atm recovery charges 39 atm quarterly charges if quarterly then why they recovered from last 2 months this is just fraud im not any govt employee im a student jkbank should stop this
My request is plz refund my money i have added a file as well can check these statements or if jkbank can't solve it plz someone help me with other options thank you

Respected Sir
That i have an account from last 30 years under account no. [protected]. Namely sajad. I have never zero balance but from two to three months i having some problem so i cannot maintain balance in my account in 3 last months. I received my tranfer amount 5000 but the balance was 4500. I complaint customer care i told that why my balance deducted. They told me you have zero balance for 3 months. i told if i repeat deposit did you deducted my balance again they told no. I received again transfer 5000 but the balance is 4500. They cut my balance 1500. Now i want please return my deducted amount. Please look into the matter.
Thanx

Sajad

I had paid electrcity bill on 7.11.2018 worth 896 to pdd. Due to some technicl error the payment were debited from my account but the same has not recieve the beneficiary (Pdd) till date kinly help account detail mentioned below. Kindly help date kinly help account detail mentioned below. Kindly helpdate kinly help account detail mentioned below. Kindly helpdate kinly help account detail mentioned below. Kindly helpdate kinly help account detail mentioned below. Kindly help

Ac no. [protected]
Name altaf ahmad mir

The chair main
Jammu and kashmir bank

Subject : complaint against issuing statement without account holders permission

Respected sir,

With reference to above cited subject, i'm lodging this complaint to you via this mail that i'm an account holder of your august bank, bearing account no :[protected],
[protected], branch trehgam kupwara, with name mohd gufran masoodi.
Your bank has breached the trust and broken the principles by illegally issuing the statement of above captioned account without my permission to salim masoodi last week. It is unfortunate and shocking that someone having got the statement of my account with out my permission. Which branch and who has issued him this statement.
Therefore kindly take stringent legal action against the culprit. If not taken, i would complaint to rbi and even move to court.
Thanking you,
Mohd gufran masoodi
R /o muqam dolipora trehgam kupwara

I went to j&k bank branch arwani to pay my cash to my acc on 12/11/2018 at 1: 00pm but they told that they can't take cash at that time.
Today on 13/11/2018. I went to the same branch at 3:30 pm they again told the same
I am a student and i return from my school by 3: 00 how can i submit my cash to my account. Kindly look into the matter
All branches of jk bank except jk bank arwani are doing their best to motivate their customers. Only this branch is lacking the instinct.

On 1 october i submitted form for new atm chip enabled. They told it will reach on or before 25 october. I. Went there on 1 nov they td it hadnt reached yet. Then i went again on 5 nov they again told me same. Now i went today they again told. Then i checked its status it shows your atm details are uploaded on 10 11 2018. Sir what are they doing there. Aftr 1 and half month they are telling me itz uploded on 10. I ask. Higher authorities to check into this matter. Jkbank neewah. Jaka0neewah ifsc code.
.
. They are not behaving or treating customers as per expectations
.

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.

I have a account in jammu and kashmir bank on 11th oct my account was debited amount rs. 300.88 for bccalc recovery charges and rs. 210 as atm recovery charges. I do not under stand the meaning of these charges please return these amount to my account.
These terms are not understandable so bank should notify customers about the same and make us aware.
Please do the needful what these charges are for?
Bank should give the clarification as these are not small amounts
Thanks

Regards
Amir manzoor

When i enter my debit card number on google pay it was showing invalid cvv. I tried many times but the result remain same all the time. I also tried on other apps like paytm airtel money but result remain same all the time also when i use j&k bank mpay app also at that time my phone is showing that your card number is not valid. If there is any need of confirmation u can contact me on [protected] or can send an mail on [protected]@gmail.com .

I have a salary account in jammu and kashmir bank on 11th oct 2018 my account was debited amount rs. 188.14 for bccalc recovery charges and rs. 47.20 as atm recovery charges and lien balance of 396.00. I do not under stand the meaning of these charges please return these amount to my account.
These terms are not understandable so bank should notify customers about the same and make us aware.
Please do the needful what these charges are for?
Bank should give the clarification as these are not small amounts
Thanking you
Suhail bakshi