| Address: Indian Bank, Bhadrak Head Quarters, Odisha |
Sir/Madam
I am Madhuchhanda Mohapatra, a savings account holder at Indian Bank, residing in Bhadrak district, Odisha. I am writing to lodge a formal and escalated complaint regarding the prolonged absence of ATM services at Indian Bank’s Bhadrak District Headquarters branch, and the cumulative financial, emotional, and procedural hardships this has caused me over the past several years.
Nature of Grievance
Despite Bhadrak being a district headquarter, Indian Bank has failed to provide or maintain a single functional ATM in the town for several years. As a result:
I have incurred repeated inter-bank ATM withdrawal charges, while Indian Bank continues to deduct Annual Maintenance Charges (AMC) for a service that does not exist locally.
I face undue physical and logistical hardship, being a married woman with caregiving responsibilities for my 70-year-old, ailing father - and mother-in-law, and a minor son.
I was recently compelled to block my ATM card due to its complete lack o[censored]tility. I first attempted to do so via the toll-free number[protected], but the line remained inaccessible with a computer message citing congestion.
As that failed, I was recently compelled to email Indian Bank’s customer service to request blocking of my ATM card. However, I have not received any confirmation or resolution in response to that communication either. This leaves my account vulnerable and reflects a serious breakdown in the bank’s digital and emergency response systems.
Customer Service Experience
On 21 June 2025 at around 10:36 a. m., my husband visited the Bhadrak branch to raise this matter on my behalf. The branch manager declined to assist without my physical presence and instead handed over a mobile number (..33777...) and email ID ([protected]@indianbank.in) for follow-up.
Although he called the number, we were not informed of the official designation of the respondent (possibly Mr. Mishra). The call lasted 4 minutes and 56 seconds, resulting only in a vague statement: “I will look into the matter, ” with no timeline or further communication.
Redressal Demanded
Given the repeated service failures and negligence, I demand the following redressal:
Immediate installation or reinstatement of ATM services at Bhadrak HQ.
Refund of AMC charged during non-service periods.
Reimbursement of all inter-bank ATM withdrawal charges I was forced to bear.
Compensation of ₹1 crore for sustained financial hardship, emotional distress, and systemic service denial.
Contact and Follow-Up
For further correspondence, my husband is authorized to follow up on my behalf due to my caregiving duties.
I request acknowledgment and a written resolution timeline from your office.
Sincerely,
Madhuchhanda Mohapatra
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