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Punjab National Bank [PNB] Complaints & Reviews

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Updated: Oct 27, 2025
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Punjab National Bank [PNB] reviews & complaints page 165

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U
umeshdembla
from Bengaluru, Karnataka
Jul 17, 2017
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Address: Sonipat, Haryana, 131001

Hi team

We are facing issue of not credit the epf pension amount of my fathers after death into my mother account, we have submitted all the documents and fill live ekyc of my mother into bank 4 months back and confirmed from epf office karnal they transferred the amount into our bank account but central branch did not responded.

One of senior taking follow up from pnb bank but no one is reverting my father epf account is epf-18614

Saving account number is [protected] (Sonipat branch)

Address is 194/a9 jiwan nagar sonipat 131001
Contact no [protected]/[protected]
Punjab National Bank [PNB] customer support has been notified about the posted complaint.
I have wait around 1 month or more my refund not credited in my account ftom paytm.
Paytm have give me transaction no. But bank not credited the amount in my a/c no.
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    A
    ankitpanwar21
    from Agra, Uttar Pradesh
    Jul 16, 2017
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    Address: Dehradun, Uttarakhand, 249201

    On15july 2017 i was paying my college fees 24590 then i filled the formalities the transaction was through upes website from payubiz. I received the otp i entered it correctly. At last it shows transaction failed i applied again and this time it shows insufficent fund then i received a message your amount has been deducted. Then i called cutomer care number they said it will back oin 24hrs and if not then you have to lodge a complaint i lodge a complaint having id m[protected]. I would like to know when i will receive my money it is urgent for me these days
    My account no [protected]
    Pnb bank
    Branch rishikesh
    Mail id mg. [protected]@gmail.com
    Mob [protected]
    +1 photos
    Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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      N
      niksns
      from Dalhousie, Himachal Pradesh
      Jul 14, 2017
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      Address: 800001
      Website: www.consumercomplaints.in/new_complaint

      Sir as i know all procedure of online transaction but these days i'm unable to do any of transaction through my account i cannot transfer money debit money and online banking this problem cannot be solved many times by bank also so i found you to help me out for this problem.
      My card no is [protected]
      My account no is[protected]
      My mobile no [protected]
      Kindly clarify my problem.
      Punjab National Bank [PNB] customer support has been notified about the posted complaint.
      Jul 10, 2017
      rajnisatish's response
      Please update micr code on internet
      Sir I open account on pnb mansarover garden this pnb bank will not have micr code and this branch will not show in internet and google please sir take action it will create me problem for online update bank account
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        L
        lckhurana
        from Buxar, Bihar
        Jul 14, 2017
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        Address: New Delhi, Delhi
        Website: www. pnbindia.in

        About a week has already lapsed, the linkage of net banking account (Saving bank) with ppf account in the same bank (Pnb) has still not been done. I am having saving bank account with preet vihar delhi branch and ppf account also with the same branch. Please get the same linked so that i can transfer money from my saving account to ppf account.

        Lc khurana
        [protected]
        Punjab National Bank [PNB] customer support has been notified about the posted complaint.
        Sir i payed amount 1399 while using paytm but that transcation was failed . but money is deducted from my account & not rexevied
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          F
          Fraud Bank@PNB
          from Mumbai, Maharashtra
          Jul 13, 2017
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          Address: Pune, Maharashtra, 411005

          Hello,

          I have applied for home loan from pnb bank and they have cheque of processing fee of amount 5770/- inr.

          I have submited all the documents as well to mr. Sagar sudge and mr saxena of pune - shivajinagar branch.

          Both of them are cheaters and not at all professionals.

          The laon was not approved due to credit policy as per them and they are now reluctant to give the processing fee.

          Request to take a strict action on both of them and return the processing fee.

          Thanking you,
          Subhash kulkarni
          Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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            U
            umeshsikarwar414
            from Mumbai, Maharashtra
            Jul 13, 2017
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            Address: 282007

            Respected sir
            I withdraw money from bank mitra of indian oversease bank from my village my ac is debited but cash not come in ac of bank mitr he not given cash me i complaint in branch and also online ther are not take my complaint and my rs 6000rs is pending on date of 16apr 2017
            Mob =[protected]
            Rampal singh s/o shiv singh
            Ac=[protected]
            Aadhar=[protected]
            Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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              S
              sanjay d21
              from Gagret, Himachal Pradesh
              Jul 12, 2017
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              Address: 176206
              Website: migs.mastercard.com.au/ssl?paymentId=1278909530966170903&currentTimeStamp=1499868002155

              I use my pnb atm card daily due to some reasons it was blocked when i entered wrong otp. It was blocked during my working hours when i transacting money from my atm it always appeared card is blocked due to security reasons. I won't be able to proceed for my any transaction.
              I have already complaint thrice but it doesn't work.
              Kindly pay attention to my problem and seek to resolve it without delays.

              My account no is [protected]
              Card no [protected]
              My registered ph no [protected]
              Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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                A
                ajay bpcl
                from Ghugus, Maharashtra
                Jul 11, 2017
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                Address: 440023

                I am service provider of bpcl nagpur, operating a petrol pump at wadi amravati road nagpur. Bpcl has corporate tie up with fino fintech pvt ltd for its fleet card customer, which in turn have its corporate acct in pnb, acct no is - [protected], ifsc - punbo718300, as per the instruction given by company we have to deposit cash collected from our fleet card customer daily into the nearby pnb branch. But when i went to my nearby pnb branch at wadi nagpur to deposit rs 20000 in cash, pnb employee refuge to take cash and advise to deposit it into the parent branch. Please advise on this matter and morever no other bank have such restriction. It is not possible for us to deposit cash in parent branch which is in other city.
                Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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                  S
                  Shriram Roy
                  from Ranaghat, West Bengal
                  Jul 10, 2017
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                  Address: 408066

                  Dear sir, i wrongly transferred rs 15820/- through imps from my axis mobile apps to the account of neha s more account no [protected] at pnb mumbai's branch ifsc code punb0123100 on dt[protected]ref no [protected] dt[protected]. I need reversal of my money as the person has failed to deliver and seems to be a fraud. Help me by sir please. I transferred the money online​ after getting the following message in my email


                  dear customer! Shriram roy
                  welcome to bank of america asia hq [boaind]. Bank of america is regulated
                  and stipulated by the financial service authority (Fsa), the financial
                  institutions that governs all financial activities in india. Whatever you
                  need as regards to your transfer, we have a solution that fits. From
                  international personal banking and mortgages to transfer of loan funds
                  we're here to help.
                  we want to thank you for emailing your inquiry about the transfer of your
                  winning prize amount. We confirm receipt of remittance instruction from
                  samsung galaxy promo 2016 to carry out the direct remittance of
                  usd$750, 000.00 dollars which is rs. 5 crore indian national currency
                  through our online banking system directly into your bank account. Please
                  be informed that your funds is ready for transfer; your file code no is
                  211cl005/boa.
                  your details has been verified, and we are in ready to transfer your
                  winning funds to your provided bank account.
                  be informed that you are required to make a mandatory fees of ($235.63
                  usd) equivalent to (15, 820.00 inr) being for the transfer and registration
                  charges to enable us complete compulsory registration/noc formality with
                  govt. Of india ministry of finance to enable our e-banking online service
                  to transfer this fund into your bank account without any delay.
                  transaction charges
                  registration/noc charges: rs 11, 800
                  service charges: rs 4, 020
                  total charges: rs 15, 820
                  kindly note that we cannot deduct the required charges from your winning
                  prize payment because it has been insured for full payment to you by the
                  bank of america under the financial instrument insurance act of the united
                  states of america banking laws which makes any kind of charges deduction
                  impossible as approved by the govt. Of india ministry of finance.
                  you are hereby given details on how to get the payment of registration/noc
                  and service charges across to us.
                  as per govt. Of india ministry of finance monetary policy, all foreign
                  banks operating in india must receive payment for fees and charges through
                  govt. Of india ministry of finance approved broker revenue collection
                  agent so as to control inward revenues for tax compliance/remittance to
                  income tax department.
                  you are require to make payment through cash deposit or online transfer by
                  using rtgs or neft or imps to our approved broker revenue collection agent
                  banking details below:
                  below is our broker revenue collection agent account details.
                  bank name: punjab national bank
                  account name: neha s more
                  account no: [protected]
                  ifsc code: punb0123100
                  pan number: bjxpm8944a
                  branch name: mumbai
                  after making the payment, you are to scan and send us the transfer slip
                  for confirmation. Please write us immediately as soon as you have made the
                  payment, so we can proceed with the registration procedures before we can
                  be able to make the transfer into your provided account.
                  in us you can trust; giving the best in banking system is our priority. We
                  look forward to serve you better as customers satisfaction is our
                  guarantee.

                  best regards,
                  mrs. Smita chaudhary
                  handling officer
                  foreign remittance department/fund transfer
                  bank of america asia hq [boaind]
                  rep tel:[protected]
                  fax:[protected]
                  Punjab National Bank [PNB] customer support has been notified about the posted complaint.
                  I am senior citizen of 67 yrs and have a FD a/c 214800PU00027209 in PNB Rawatpurgaon. On maturity 29 Jun 2017, the bank renewed the FD at public interest rate, deducting tds Rs 2671, where as I submitted form 15H in Apr 2017. The tds deducted is illegal. Therefore the Bank should recredit the amount of tds and renew the FD at senior citizen rate
                  Bank has deducted my money but not recieve in paytm paytm says me ...the bank has decline my transaction...my my money got deducted ...maine wait kia nd transaction maine 12/04/17 ko ki thi...nd aaj 12/07/17 ho gai hai my paytm no is [protected] please help nd check my status of the complain...plz help me nd refund my money...check it sir

                  Reversal of amount wrongly paid via neft / imps from my axis mobile apps to punjab national bank account holder - Comment #2785859 - Image #0
                  Reversal of amount wrongly paid via neft / imps from my axis mobile apps to punjab national bank account holder - Comment #2785859 - Image #1
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                    M
                    Mandy K
                    from Dharmsala, Himachal Pradesh
                    Jul 7, 2017
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                    Address: Shimla, Himachal Pradesh, 171008

                    I had deposited 80 coins of ₹10 in punjab national bank in my home branch which is in shimla, the countermen deposited 72 coins only and the coins designed in[protected] are claimed fake by them.
                    Now where do i submit those coins. If the bank is above rbi? The bank branch is in jutogh located in shimla himachal pradesh. Even after my argue the declined to accept those coins.
                    Regards,
                    Manish
                    Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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                      V
                      Vats Mart
                      from Ludhiana, Punjab
                      Jul 7, 2017
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                      Address: Patiala, Punjab, 140401

                      Dear PNB

                      this account no.[protected] is my father"s account in your bank rajpura main branch .he was expire 25/05/2015.and in his account have 16500/- rs. when we go for take the money will Full Documents your employees are behaving not good. First they said about witness. when its completed then they are not doing good behave with my Family Member.they said {nhi hoga aapka kaam jao jo krna h krlo jao court case krdo, mujhe koi fark nhi padta }

                      this is not the right way to talk a lady. and other customer.

                      please see this matter or urgent basis.

                      i am waiting for your revert with positive response

                      thanks
                      yours faithful customer

                      Name Amit Kumar
                      No . +91-[protected]
                      Email [protected]@gmail.com
                      City Rajpura
                      District Patiala
                      State Punjab
                      Punjab National Bank [PNB] customer support has been notified about the posted complaint.
                      Jul 10, 2017
                      vijayjogel's response
                      plz help me

                      Jul 10, 2017
                      vijayjogel's response
                      my a/c no.[protected]
                      state bank of india jamnagar gujarat
                      plz help me
                      PNB banks IN MADHYA PRADESH is not providing finance on e- rickshaw even manufacture has tie up with pnb even most of the nationalised banks are reluctant to finance e nrickshaw so please provide the loans to these guys so that they also can start their employment
                      Wrong transfer balance shah navaj in
                      a/c no.[protected]

                      Misbehave by staff member - Comment #2782651 - Image #0
                      I requested branch malviya nagar Punjab national bank many times to reissue my txn password for netbanking but till date I have not received the same on my registered mobile number. You are requested to resolve the issue if I will not get any revert than I have to go to banking ombudsman.

                      User id-gcb010297
                      Dhanvanti Meena
                      [protected]
                      My debit card pnb bank is lost in bankok country dated 4/7/2017 a c no [protected] name ajay Mehrotra vivek khana 1 near mithai wala chairman lucknow .I don't no my debit a.c. card no. Please block my card AND CONFARM MY EMAIL THANKS
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                        5
                        51341ritu
                        from Delhi, Delhi
                        Jul 6, 2017
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                        Address: East Champaran, Bihar, 845401

                        Pnb currency chest, motihari[pin-845401] again fails to deliver services under prescribed rbi guidelines relating cash remittance. Mr ashok kumar, the currency chest manager, seems to have formulated his own rules, thrashed us for not intimating him telephonic before 2 hrs of remittance. His self made rule says not remit in denomination 10, 20 &50. These employess of pnb currency chest are not working as per prescribed rbi guidelines.

                        Totally upset & sharing worst experience of cash remittance.
                        -employee
                        Indian overseas bank, motihari
                        Punjab National Bank [PNB] customer support has been notified about the posted complaint.
                        Jul 06, 2017
                        Updated by 51341ritu
                        Regarding complaint ID-1621357
                        Respected sir/madam,
                        I have used the word "thrashed"instead it should be" told".Kindly take it in notice while taking any further action.
                        I am staff member of pnb pf no 32313 ( retired ) ppo no 32313/4636

                        kind request, pl delete my old mob. no & add new no [protected].

                        pl do the needful. lot of time i send the mail to pf & pension dept, but

                        still not modified it.

                        cooperate me

                        kishor pathak
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                          Y
                          yadavpramod
                          from Gwalior, Madhya Pradesh
                          Jul 6, 2017
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                          Address: Indore, Madhya Pradesh

                          Dear sir,
                          I have deposit 5000/- through atm (Pnb - vijay nagar indore. Address, ff, 36, scheme no.54, opp. Meghdoot garden,) in account - [protected] name — arjun kumar yadav on dated - 08/06/2017 time 14 : 09:09,
                          Amount not credited in this account, i have retested complain in branch so many time but no yet satisfactory ans on thus end.
                          Please do need full help
                          Thanks
                          Mob. [protected]
                          Punjab National Bank [PNB] customer support has been notified about the posted complaint.
                          Sir
                          I am place an order for a.course on udemy website. But due to some internet connection money from my account is been deducted but I didn't get the payment . I have talked to the udemy. Website they are saying that the order is been cancelled by playstore or the money is in some bank.

                          Amount not credited in account (0617000102131325) - Comment #2778867 - Image #0
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                            A
                            Abhi Rathour
                            from Santokhgarh, Himachal Pradesh
                            Jul 6, 2017
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                            Hi, m from hamirpur himachal Pradesh, I am facing miss behave with me n some of ladies and old pensioners man's in Punjab national bank district Hamirpur, branch Punjab national bank (Lambloo), the cashier of PNB branch Lambloo is not dealing gud with any one, he threat me that what u can do to me, I told him to change bad condition notes of ten rupees, he gave me 1000 rs change, and the condition of notes are very bad, when I ask to change them, he is not changing them, and his way of talking is also very bad, n he said me that, ( tu kya kar lega me ni karunga note change, kar le Jo karna ha )it was his wording, told him that he is a servent, he is there for serve peoples, not to fight with peoples, .

                            Name of the bank - Punjab national bank
                            Branch-Lambloo, hamirpur Himachal Pradesh

                            Name of the cashier- Bhaag mal,

                            I request that please change the cashier, because it's not the first time, every time I found him fight with ladies n oldies, his way of talking is very bad. Please change him, we not need him here it's a request
                            Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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                              R
                              rajks1992
                              from Jaipur, Rajasthan
                              Jul 5, 2017
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                              Address: Jaipur, Rajasthan, 302020

                              I was go to my nearest pnb bank s.f.s, mansarovar, jaipur, (raj) IFSC=PUNB0395300 almost 4pm i have some 10 & 20 rs notes (cash deposit machine not accept 10 or 20 rs notes ) then i go 1st cash deposit counter suddenly cash depositor say window close after closed window. then i go 2nd cash deposit window then i see no one in side then i go branch manager but my problem not resolve so what can i do plz kindly help me
                              Punjab National Bank [PNB] customer support has been notified about the posted complaint.
                              The bank doesn't send me the otp whenever i want to add money to my paytm wallet, the bank declines the process and it fails..fix it as soon as possible.i have tried many times but the bank always declines it..i want it to be fixed as soon as passible

                              Cash deposit issues - Comment #2778857 - Image #0
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                                A
                                Amit_kushwaha
                                from Delhi, Delhi
                                Jul 3, 2017
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                                Address: New Delhi, Delhi, 110044

                                @mit kushwaha

                                27 Jun (6 days ago)

                                to bo3976
                                Dear Sir,
                                As i have an account in PNB Sarita Bihar branch and someone has done fraud transaction on 23/5/2017 of Rs. 5000 below are my account detail -
                                A/c No. [protected]
                                Account Holder Name: Amit Kumar Kushwaha

                                I Have been Tried many time to contact on below given no. but no one is picking my call.
                                Contact No:[protected]
                                request you to pls assist me and also let me know the further process to get my money back.
                                @mit kushwaha

                                27 Jun (6 days ago)

                                to care, bo3976
                                Contact No. [protected]
                                @mit kushwaha

                                27 Jun (6 days ago)

                                to CMD, care, bo3976
                                Dear Sir,
                                Pls. see below mentioned case
                                @mit kushwaha

                                27 Jun (6 days ago)

                                to ceo, care, bo3976, CMD
                                Care

                                27 Jun (6 days ago)

                                to me

                                Dear Customer,

                                Our sincere apologies for the inconvenience caused to you.

                                This is to inform you that your complaint has been forwarded to Cyber Crime Cell at email id [protected]@pnb.co.in. They are investigating the case .

                                Thanking you and assuring you our best services at all times.

                                Thanks & Regards.

                                Abhishek Singh

                                Customer Care Centre

                                Description: Description: Description: Description: Description: Description: sa

                                Email:[protected]@pnb.co.in

                                Toll Free Numbers[protected] &[protected],

                                Tolled Number[protected]

                                सावधान :- "अपना डेबिट/क्रेडिट कार्ड संख्या, पिन या कार्ड से सम्बन्धित कोई अन्य सुरक्षा सूचना कभी किसी को न बताए । बैंक यह सूचना कभी नही पूछता" ।

                                Caution : Punjab National Bank never sends mails, sms or makes calls asking for personal information such as your bank account details, passwords/PIN/ CVV/OTP etc. Please do not respond to any such communication.

                                From: @mit kushwaha [mailto:[protected]@gmail.com]
                                Sent: 27 June 2017 15:29
                                To: [protected]@pnb.co.in; [protected]@pnb.co.in
                                Subject: Fwd: Regarding Fraud transaction from My account

                                PNB's Offering

                                "AVAIL OUR SECURE INTERNET BANKING FACILITY FOR 24*7 ACCESS TO YOUR PNB ACCOUNT"

                                For Details :

                                Contact:Toll Free No.[protected] & Tolled No.[protected]
                                Visit: www.pnbindia.in

                                For Credit Card, please call Credit Card Call Centre No. [protected] (Toll Free) and[protected]Tolled No.) and visit: pnbcard.in

                                DISCLAIMER:
                                The Information transmitted in this email is solely for the addressee. It is confidential and may be legally privileged. Access to this email by anyone else is unauthorized. Any disclosure, copying, distribution or any action taken by anyone other than by the intended recipient is prohibited and may be unlawful. If you are not the intended recipient then kindly delete the mail from your system. Any opinion or views expressed in this mail may not necessarily reflect that of Punjab National Bank. The bank considers unencrypted email as an insecure mode of communication.
                                @mit kushwaha

                                28 Jun (5 days ago)

                                to Care
                                Remider...
                                @mit kushwaha

                                28 Jun (5 days ago)

                                to Care
                                Reminder...
                                Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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                                  A
                                  Akshat Singh2
                                  from Bhagalpur, Bihar
                                  Jul 3, 2017
                                  Resolved
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                                  Resolved

                                  Address: Rohtak, Haryana, 124001
                                  Website: PNB

                                  Details are given below -
                                  Imps-out/[protected]/icic0002522/252201 of rs.1000 on 03.07.2017 from pnb account no - [protected] to icici account no[protected], ifsc code - icic0002522but it was failed due to some reason. However, the amount has been debited from my pnb account of rs.1000 but it is not sucessfully credited to that icic account.
                                  Kindly resolve the issue as soon as possible as i was sending this amount to my brother for his fees. Please return my money as soon as possible.
                                  Thanks
                                  Akshat Singh
                                  Account number - [protected]
                                  Jul 3, 2017
                                  Complaint marked as Resolved 
                                  details are given below - Imps-out/718408676307/icic0002522/252201 of rs.1000 on 03.07.2017 from pnb account no - 0406000101451024 to icici account no - 252201503575, ifsc code - icic0002522but it was failed due to some reason. However, the amount has been debited from my pnb account of rs.1000 but it is not sucessfully credited to that icic account. Kindly resolve the issue as soon as possible as i was sending this amount to my brother for his fees. Please return my money as soon as possible. Thanks Akshat Singh Account number - 0406000101451024
                                  Punjab National Bank [PNB] customer support has been notified about the posted complaint.
                                  Jul 03, 2017
                                  Updated by Akshat Singh2
                                  No response from PNB yet
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                                    pratikprasun
                                    from Dumka, Jharkhand
                                    Jul 1, 2017
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                                    Address: Madhubani, Bihar, 824327
                                    Website: [email protected]

                                    I have withdral a money 10000 that not have been came out from atm but it has been debitet from my account i have make a complain but no strict action have been take from 21 june till date they told me to go to bank manager but also not gave me clear informatin my complain no is M[protected] my acount no. [protected]
                                    so please go through the complain i can't able to do my admition sir
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                                    Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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                                      SKVashisth
                                      from Delhi, Delhi
                                      Jun 29, 2017
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                                      Address: New Delhi, Delhi

                                      Non payment of revised pension - PNB SB A/c No.[protected]
                                      Sir,
                                      Pension Cell HQ SDMC vide letter No.CA/Pen(HQ)/2017/D/2207 dt 21-2-17 revised my basic pension from Rs.10863/- to Rs.11155/- wef 1-1-2017. This order was delivered in your Gulmohar Enclave Branch on[protected]. However, the Bank has not credited the revised pension/arrears in my account till date.
                                      Kindly expedite and send a reply to me.
                                      Regards,
                                      Smt PREM SHARMA,
                                      PPO No.12948-Z
                                      SB A/c No. [protected] (PNB Gulmohar Encl) Green Park ND
                                      Mob No.[protected]
                                      E-mail: [protected]@yahoo.com
                                      Punjab National Bank [PNB] customer support has been notified about the posted complaint.
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                                        vinodmishra14284
                                        from Aligarh, Uttar Pradesh
                                        Jun 29, 2017
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                                        Address: Moradabad, Uttar Pradesh, 244001

                                        Mahodya aapko awgat karana hai ki mujh prarthi vinod kumar mishra account no.[protected] punjab national bank station road, moradabad me 18 varsh purana account hai. prarthi ke paas U.P. GOVT. KA JAN SEVA KENDRA or CENTER GOVT. KA CSC kendra hai jaha se prarthi public ko online digital india ki service provide karata hai. prarthi AADHAR CARD (UIDAI) BANANE HETU SUPERVISER KA EXAM BHI qualifiy hai isliye prarthi apna aadhar enrollment center start karne hetu mudra loan ki mang apni ukt branch me loan ka kam dekhne wale concerning cleark ke pass gaya jisne loan dene se mana kar diya fir prarthi Branch Manager se bhi kai bar mila but har baar prarthi ko loan dene se mana kar diya gaya. bar bar request karne par buri tarah se beijjat bhi kiya. Jab ki prarthi ne apni life me kabhi bhi bank se loan nahi liya. Jab prarthi par koi loan nahi hai fir prarhti ko bank manager aur conerning cleark ne loan kyun nahi diya jab iska jawab poocha to kahte hai tu apna account kisi aur bank me transfor kara le. sir 18 sal jab mera ukt bank me account raha hai to fir hame loan doosra bank kyun dega aur khata sirf is liye transfer karne ko kah rahe jisse unhe loan na dena pade. mere sath aisa kyun kiya ja raha hai. Kripya prarthi ko loan dilana ka kasht karen.
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