Punjab National Bank [PNB] — Intimidation at Punjab National Bank sector 26, Chandigarh Branch

Address:	140403
Website:	www.pnbindia.in

I have an education loan account at Punjab National Bank, Sector 26 Branch, Chandigarh and my father has a pension account in the same branch. I visited the branch thrice to fill ECS forms for regular deduction from my salary account. On the first occasion I was aghast to find out that the bank employees had absolutely no clue about how an ECS is processed and over the next two visits the officials were unable to process it after gave the filled applications because of an absolute lack of knowledge. This is after filling in the details twice and consulting the branch officials if the papers were in order. My account became irregular by three months and the Branch officials started calling my parents repeatedly and forcing them to pay.

All this was manageable, its a small amount I have no problem paying it but today they deducted a substantial sum from my father's account without consulting us or any prior approvals, they have done this many number of times before. When I called and told the branch manager to reverse the transaction he threatened to get my father and me arrested. He also went on to tell me that he will contact my employer and make sure I am out of my job soon. I was shocked and a bit amused at their worldview. I feel so stuck and helpless with a national bank of the country being so callous and irresponsible with their service. I don't expect much from the PNB complaints redresal system and am unsure what my next step should be apart from making sure my account is regular! Its a serious case of criminal intimidation which will absolutely go unnoticed.

I am sure a lot many other people must be going through a similar mess without vicing their concerns. I have lost all faith, these people can elbow our rights and get away with just about anything with the government turning a blind eye to a serious trampling of consumer rights and dignity.