Jammu & Kashmir Bank / J&k Bank — unauthorised mab & plastic card fees of an amount of inr 2104.68 levied (scandalous act)

Address:110092

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
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    +91 19 4248 1953 [ATM Helpdesk]
    +91 19 4248 1999 [Customer Care]
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    Maulana Azad Road, Srinagar, Uttarakhand, India - 190001
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