Reserve Bank of India [RBI] Complaints & Reviews

1. I was retired on 30th april 2015 from govt service, and was supposed to get my pension on the first day of month i. E. On 01 may 2015, as all the other banks has paid to their new pensioners, i was paid on 27th jul 2015 after a delay of approx. Three months, that also after repeatedly visiting, making enquiry and follow up in the bank..

2. My gratuity rs9, 97, 673/- (Nine lakh ninety seven thousand six hundred and seventythree only) was paid to me on 07 oct 2015 after a delay of five months of my retirement.

3. Commutation of my pension i. E. Capitalized value rs 5, 74, 433/- (Five lakh seventy four thousand four hundred and thirty three only) was paid to me on 19 nov2015 after a delay of six months and 19 days of my retirement.

I had submitted my representation to the bank (Bank of india) borivali (East), for paying me delayed interest of the said amount on23 dec2015 and 06 april 2016 respectively (Copy attched).
The interest has been calculated at the rate of 6.75%, since the period of delay of the payment was more than ninety one days.

1. Rs 997673/- @ 6.75% =rs 28060/- (Period of five month)
2. Rs 574433/- @ 6.75% =rs 21003/- (Period of six month and 19 days)
Grand total = rs 49063/- (Fourty nine thousans sixty three only)


Till now nothing has been done, i was verbally informed that the letter has been forwarded to the headquarter of the bank which is at nagpur.

Request your suggestion/help.

Regards
Op pant

Facts of the case – manish mittal vs. bank of baroda
Brief summary of the events –
1. on may 21, 2013 (at 5.30pm), i, manish mittal, resident in ghana, found that an amount of indian rupees three lakh seventy thousand (approximately) had been withdrawn from my nre bank account with the bank of baroda (bob), abohar branch, punjab, india.
2. immediately i sent an email message to the bank i. e. bank of baroda, abohar branch, punjab, india, to take action and stop the payment and withdrawal of money from the account as there was no clue that the money may have been withdrawn using atm card.
3. but as per india timings, it was already 11.00 pm in india when i realized this. the bank was closed and there was no one to check my email or do anything to stop the payments.
4. in the meantime, at approximately 2.30 am (ghana time), i again found that someone had withdrawn rs.25, 000/- (approx.) from the bank account. then i suspected that it may have been done using an atm card though my atm card is still with me here in ghana.
5. as soon as i realized that, i immediately called the customer care in india to stop the payment or block the atm card being used falsely for the transaction.
6. i called the bank officials and they denied any knowledge about withdrawal of payment.
7. i filed a complaint at the abohar police station on 22/5/2013 through my father-in-law sh. sat narayan goyal and the police, after investigations, closed the case saying the transaction had happened in ghana and therefore out the police’s jurisdiction.
8. not satisfied, i filed the complaint with the banking ombudsman chandigarh. the banking ombudsman closed the case saying that, “further investigation in the matter requires consideration of elaborate documentary and oral evidences and proceedings before banking ombudsman are not considered appropriate for adjudication for such complaints. we have, therefore, closed the case under clause 13 (c) of banking ombudsman scheme, 2006, as per the orders of banking ombudsman.
9. i went ahead to file the case with nri cell of punjab police, chandigarh. nri cell closed the case saying that as per p. p. abohar, the transactions had taken place in ghana and not in their jurisdiction.
10. i was later informed by the head office of the bank of baroda that the amount has been withdrawn in russia and that they are trying to contact the banks in russia.
11. in the course of doing that, the bank of baroda found that two transactions had charged back and that they would get that money back in to my account. they deposited back rs.49, 000/- (approx.) into my account in october 2013.
12. the bank of baroda sent the case to the insurance company for fraud reimbursement. the claim was declared not payable by the insurance company.
13. the bank of baroda also closed the case saying that they had informed me, the client, about the transactions through sms so they are not responsible for any other liability.
14. i filed the complaint with the district consumer forum, ferozpur, in january 2014.
15. case dismissed in june 2014.
16. i filed the complaint again with the district consumer forum in march 2015.
17. the case was disposed of in september 2015.
18. i filed the appeal again with the state commission chandigarh in december 2015.
19. the appeal was not accepted for hearing, copy received on april 18, 2016.
20. i didn’t go for filling the case with the national commission, delhi.
Points presented as evidence in the case –
1. i had sent an email to the bank regarding tracker id to be sent to my mobile no.in ghana. the bank replied and assured me o[censored]pdate of the mobile no.in 24 hours. the same never happened. this shows deficiency on the part of bob.
This point has not been discussed at all in the arguments.
2. rbi issued guidelines in february 2013, instructing all the banks to change the international atm cards with chip cards. the same was not done and is still not yet done by the bank of baroda. this shows that the bank is not concerned with the safety of funds of the client.
This shows deficiency on the part of bob and yet it is not discussed in the arguments at all.
3. the bank is denying the liability saying that fraud has not happened and rather that me or my relatives have withdrawn the money (as per the case decided on september 11, 2015).
I. why has the bank raised the case with the insurance company for payment as fraud claim if it is done by me?
Ii. the bank has taken ‘charge back’ from russian bank; if it is not a fraud then why did bob consult the russian bank.
Iii. bob is saying the money has been withdrawn in russia, but there is no proof with for me as client about this matter. the same might have been done by someone in india or in the bank.
Iv. the bank has agreed in a letter via email to me that my atm card has been misused. why then is the bob now saying that i or my relatives are the ones who withdrew the money?
V. the bank itself has given the precedence of the case decided in 2011 regarding atm payment withdrawn from mr. k. k. bhalla’s account. it is to be noted that in feb. 2013 rbi after complaints of different banks regarding withdrawal of payments from different accounts (rs. 3 crore approx.) instructed the banks to issue chip cards. it has also been proved in different cases as seen happen in mumbai (news attached) that clone cards are possible to prepare and used by thieves to withdraw moneys the original cards are with the client. so, using the plea of a case decided in 2011 is not correct as circumstances have changed and the modus operandi of thieves is already known to the general public.
Vi. i came to know about the fraud on may 21, 2013 at about 5.30 pm (ghana time). i sent the email immediately to the bank at about 5.40 pm to stop the payment, as there was no clue about how the amount was getting withdrawn. but after that, another transaction happened again before the card got blocked. this shows that none of my relatives or i was there in russia to withdraw the payment. and the bank has no system in place to check the fraud showing deficiency as after sending intimation to the bank, another transaction happened again. i was shocked and was not able to understand why and how the money is getting withdrawn at the first instance. then, after another transaction, i realised that it might have been done using some clone card by someone else. the bank didn’t reply the email immediately until we called the bank to block the card to save the money in the account.
Vii. rbi has clearly instructed to put a mechanism checking the regular withdrawal of money from clients account. other banks get the confirmation (yes/no) by sms before withdrawal of any money from an account. but the bob has no such mechanism in place showing the deficiency of service.
Viii. if the bank says i, the client, has perpetrated the fraud, why has the bank not tried to get video footage of the atm machine, where money has been withdrawn by someone, to prove who has withdrawn the money?
Case filled with consumer courts – summary
I. case filed in district consumer forum – ferozpur dated 23/01/2014
By representative mr. s. p. khariwal
Ii. case dismissed without going into merits as power of attorney issued by manish mittal is not maintainable.
Iii. case filed again in district consumer forum – ferozpur dated 10/04/2015
By advocate anil kamra and associate adv. sukhbir singh and others.
Iv. case disposed of on september 11, 2015.
V. appeal filed in state commission – chandigarh dated 22/12/2015
Vi. appeal dismissed by state commission on march 14, 2016 (judgement copy released on 18/04/2016)

Thanks & regards,
Manish mittal
M –[protected]
[protected]whats up)
Email – [protected]@yahoo.co.in / [protected]@gmail.com

Dear sir/mam,
Pls find attachment copy. This type of mails and messages regularly received. So please kindly take the immediate action the best of yourself because it's very pathetic way to cheat the people like.
K

Thanks with regards,
Samson. J
[protected].
Tamilnadu.
India.

Dear Sir,
I am attaching an email for your kind notice. This email I had received in May '16 and got suspicious when I saw hotmail address mentioned on it. Please do inform me where is this mail from.
Looking forward to receiving your positive response in this regard.
Regards
Navin chamoli
[protected]@gmail.com

Hi
this is anusha pabbathi. On 2nd july, 2016 i have made a transfer of 1500 rupees from my HDFC account to IOB account. Till now the person didnot received money which i transfered to her account. Either of the banks are responding properly. So please refund my amount to my account as early as possible.

I recieved this fake email on the name of dr. raghuram rajan on 18th july 2016. kindly aware the citizens of india so that they dont get bugged down. i am attaching the document i recieved. its about winning a lottery of 4 crore 36 lakh rupees.
Thank you!!

Sir,
I am holding my account in this branch. this bank is sending me messages of such other accounts which i am not holding. the bank is not responding and solving my problem from last one year.
I am having my savings account in axis bank, law garden branch, ahmedabad, gujarat state. this bank is sending messages on my mobile no. which accounts i am not holding. i have requested the branch to stop these messages of such accounts which i am not holding. i have given in written to the bank but they are not going to stop these messages. i am going toucher by the bank from last one year.
Dr. s k trivedi

Someone repeatedly sending the mail about there is unclaimed money with rbi.
He send even sms regarding the amont, he has use [protected] please verify the person resposible
Please confirm me what is that
If any balance pending unclaimed by me please credit the entire amount to my bank account after deducting tds please
Do the needful and oblige

Dear sir,

Kindly try to resolve my long time pending issue with state bank of india (Nehru place bakshi house).
I made a atm transaction in 2015 oct month.
We are once again mentioning the transaction details.

1. A/c no[protected]*
2. Card no[protected]*
3. Amount - 10000/-
4. Txn dt - 08/10/2015
5. Txn no – 648
But the tarnsaction was not successfull and still i am waiting for my my.

Regards
Suraj kumar
[protected]

I have got mail regarding fund transfer to my acc...

Details are...

Electronic transfer dept, 6, sansad marg
Janpath, new delhi, h. o. 110001,
New delhi
Our ref: cub/hog/oxd1/fax21.
Payment file: rbi/id1033/2014/2015/2016
Payment amount: = 500, 000.00gbp=[protected].30indian rupees.
Reserve bank of india official compensation payment notification
Dear beneficiary:
The foreign exchange transfer department (rbi) hereby bring to your attention of the payment of your deposited fund here in the rbi, you were listed as a beneficiary in the recent schedule for payment of the past edition email/sms award incurred by the british government, which is yet unclaimed up-till date due to some circumstance.
According to your file record; your payment is categorized as: contract type: lottery/inheritance/undelivered lottery fund/ the reserve bank of india (rbi) governor, dr raghuram rajan and ban kin-moon secretary-general of the united nations met with the tax committee on finance rbi mumbai/delhi branch. regarding unclaimed funds which have been due for a long run, at the end of the meeting (rbi) governor, dr raghuram rajan mandate all unclaimed funds to be released back to the beneficiary stating that it is an unfair practice to withhold funds for government basket for one reason or the other for tax accumulations. therefore, we are writing this email to inform you that (500, 000.00gbp) will be release to you in your name, as it was committed by (rbi) governor.

To credit your account immediately you will have to send scan copy of your passport size photograph (1) for file record, this is according to law assigned and the security covering your fund from the source the assigned transfer department don’t have any right to deduct from your fund because it’s made to reach your account in complete value. we decline for 5 working days after date of receiving this mail.
([protected].30indian rupees) is a very huge amount of money, that is the reason why we are permitted to transfer to your account through online transfer to enable it reflected to your personal bank account in within half an hour /1hour. payment approved to transfer to your bank account: 4crores, 68lakhs, 46, 000, 219.30inr.
Fill the verification form below for prompt collection of your fund.
Full names:
Full address:
Occupation:
Ex & age:
Mobile number:
Nationality:
Passport size photograph:
E-mail id:
Account holder’s name:
Bank name:
Account number:
Bank branch:
Note: ([protected].30indian rupees) will be directly transferred to your bank account immediately we receive your filled details. also be informed that the assigned british representative to supervise the transfer of your fund from the reserve bank is the person of: (british diplomat mr. mark philip). he will supervise the transfer and he will call you on phone as soon as he gets to reserve bank of india (r. b. i) on the date of transfer.
The entire staffs of the reserve bank of india wishes you a big congrats as your email address have brought to you this expected luck!
We do respond to those who sent their details to only this email: rbi. [protected]@outlook.com
Contact transfer department
For more details, visit the link below
Http://www.financialexpress.com/news/find-whereabouts-of-unclaimed-deposit-holde...⇄

I have been threatned by icici personnel. He is calling all my contacts and threatning them. This is very serious and he may do something wrong to me. He has called my office colleague and abused them. I am writing to rbi about it as well. Can someone help me.
I have call recordings of this person and will post on all social media

I declare that if anything goes wrong to me icici bank will be held resposible for it.

Details of person who is threatning me are given below.
Ashish tyagi-[protected]

Hi,

Please help for the saving account number-[protected] which is in the Name of SHIVARUDRA M NAVI, account maintained at jayanagar 7th block, Bangalore-karnataka, they have not been replying for my mail, they deducted Rs.800/- unnecessarily, I had given required amount cheque when Kotak mahindra Bank representative has came to my home to collect necessary documents also, it was continued right for some months, later they only started deducting money from my savings account, they had sent mail & messages as low balance even my balance was same as from day one, they are not replying to mail, they answered me when I called them, No one not having proper information including Branch manager that why it have been happening, Again I called them and given the reason concern person is on leave & they are not going to work for their customers with silly reason, they should have right information & immediate actions, I don't know apart from police complaintso, please help me to get back my money with Interest rate with effect from day one of account was opened. non-sense Kotak mahindra Bank Grabbing money against rules of RBI.


Regards
shivarudra
[protected]
[protected]

Sir, on 18 apr i tried ti recharge my mob no [protected] through a company known as i rechargeonline.com through net banking. I paid rs two thousand in two transactions of one thousand each through s bi net banking under transactions nos pos[protected] and[protected] i rechargeonline_ebs both dt 18 apr 2016. Despite my repeated reminder s through ompany customer support system neither my mob has been recharged nor the money has been refunded. For the last three months. The company has suspended my acct now so that i can not lodge another complaint. Their customer support system seems to be fake as one can not contact them now. Similarly the said company registered office address does not provide their contact nos.
It is submitted the company is cheating a large number of the customers by taking the money and not recharging the mobiles.
In view of the forgoing please take necessary action against
I rechargeonline.com and help us in getting the amount which has been credited in to their accounts i shall be grateful. S
Sincerely yours
L s rana

Hi,

My name is chandrakant kudtarkar, few days back i had received a call from kotak mahindra bank for payment of barclays bank credit card payment that person name is pramila aajgaokar, call from cell no : [protected], she is force me also my son mr. Shivraj to pay the all dues and confirm me when i have cleared the all due he is provide me close letter and noc from the bank and i had settlement of my barclays credit card in 2008. I dont have any kind of document now. After 8 years bank will wake up and call? How it is possible.In between these 8 years no bank or any other banking agency will do any type of correspondence with me. Now they given me and my family lots harassed to pay. They told me to pay 62000 i will give you closing letter immediately. I think they dont want to give me latter. Please do something. I am so depressed. I am foreword this complaints to rbi and commissioner of police for further action. Stop calling me immediately after you got this mail and give me reply on shiva. [protected]@gmail.com.

Thanks
Chandrakant kudtarkar

[protected]
Hivraj c kudtarkar

I was complain against bank to ombudsment but getting same reply like copy paste from ombudsment no:5428

I was given all proof to ombudsment as well as bank
I am not getting email from bank but they say send to your emailid
They are not answer my question like why not sending message on mobile same i was got it in past so i am worry about my fraud money not back
Till i am in saudi arabia.

This is to complaint regarding kotak mahindra bank lucknow.
They people have deducted the annual maintainance charges from my account although as per rbi rules this is not allowed to do so. My details are mentioned under

Account number-[protected]
Branch-gomti nagar lucknow
Account holder name-himanshu sahu

Kindly resolve this problem as this bank is not following the rbi rules.

I got a email regarding a price money of 4 crore 76 lakhs from following email id:

[protected]@student.fdu.edu
[protected]@hotmail.com
[protected]@hotmail.com
[protected]@sepdf.gob.mx

Dear team

Today i have visited sbi branch, deesa highways gujarat. For deposit cash of rs
7000. But no one has accept my cash and they all are forcing to take a green card. Why? Is it compulsory? I have facing so many problems in this branch. Even branch manager has also no supported
I am really dissatisfied with this bank. So i want to resolution on urgent basis.

Thanks & regards
Vikas chokhawala
[protected]

Hello sir /mam,
I have gotten an email from rbi to get your winning amount and pay some registration charges to an account. it is genuine or fake, please tell me.
I am sending the details to you.

Dear beneficiary:
The foreign exchange transfer department (rbi) hereby brings to your attention the payment of your
Deposited fund here in the rbi. you were listed as a beneficiary in the recent schedule for payment of the
Past edition email award incurred by the british government, which is yet unclaimed due to some
Circumstance according to your file record.
Your payment is categorized as: contract type: lottery/inheritance/ undelivered lottery fund/
Recently, the reserve bank of india (rbi) governor, dr raghuram g. rajan and ban kin-moon
Secretary-general of the united nations met with the senate tax committee on finance rbi
Mumbai/delhi branch regarding unclaimed funds which have been due for a long run. at the end of the
Meeting (rbi) governor, dr raghuram g. rajan mandated all unclaimed funds to be released back to
The beneficiaries stating that it is an unfair practice to withhold funds in government coffers for one
Reason or the other. e. g., tax accumulations.
Therefore, we are writing this email to inform you that (£500, 000.00gbp) equivalent to (₹4cr inr) will
Be released to you in your name, as it was.
Committed by (rbi) governor that the beneficiary is to claim this funds immediately (3working days)
On receiving this mail. also reconfirm your details for crediting. fill the form below and send it
Immediately,
Email: [protected]@gmx.com verification for prompt collection of your fund.

Make sure you send this details to this email [protected]@gmx.com for the
Release of your fund
Every document including certificate of funds or company brochure will be couriered to your home
Address immediately after your transfer. this bank management will proceed after your swift response
To this mail for security proposes in your best interest without delay. your urgent response is highly
Anticipated.
The management
Dr raghuram g. rajan
Rbi governor.
The information contained in this e-mail and any attachments there to ("e-mail") is sent by the reserve bank
Of india (rbi) and is intended to be confidential and for the use of only the individual or entity named above.
The information may be protected by federal and state privacy and disclosures act or other legal rules. if the
Reader of this message is not the intended recipient, you are notified that retention, dissemination, distribution or
Copying of this e-mail is strictly prohibited by federal and state privacy.

Dear sir/ mam
I have a account holder of hdfc bank
We had offered some accounts preferred system from bank we opened some children accounts, but after sometime deducted charges we are 5 accounts.
Then i meet to r. m and b. m they commit me refund charges in january but not refunds and continued deductions and they are also commit next week refund we are all charges so please do the helpful.
We are accounts are
Saiba saifi
Rahees saifi a/c no[protected]
Shahana saifi a/c no [protected]
Saharunnisha saifi a/c no [protected]
Yasirmajid saifi a/c no [protected]
Regarding mohd yusuf