[Resolved]  Reserve Bank Of India (RBI) — INDIAN BANK / INDIA / ATM CARD / BANK DEBIT WITHOUT CASH DISPENSING

Global Banking Issues Network - GBIN Our network is here to encourage all banks to be more efficient and help bank customers resolve failed or incomplete transactions with any bank worldwide in the quickest possible time. As a customer, you need to complain and make your voice heard Monday, 21 April 2014 INDIAN BANK / INDIA / ATM CARD / BANK DEBIT WITHOUT CASH DISPENSING The Bank Name: Indian Bank Customer Name: G .Venkata Subbaiah Bank Account Number: 96xxxxx70 Transaction Amount: 10, 000 Date of transaction: 15 November 2012 ATM Location or Website transaction occurred: Lakshmi vilas ATM bank Tirupathi, Andra Pradesh Other information on the issue: I had requested ten thousands withdrawal transaction at Laxmi vilas ATM bank Tirupathi, Andra Pradesh on 15.11.2012. I am not able to receive cash, same debited from my account. During transaction system and receipt display unavailable due to technical problem. Excess Money must be in ATM bin. Next day Lodge a complaint at my home branch, not yet solved. Lodge complaint to HON'BLE BANKING OMBUDSMAN Chennai, could not taken any action. Indian bank & Laxmi vilas bank provided different reports to customer as Indian bank comment is withdrawal transaction failed but reimbursement of wrongly debited amount could not considered from Laxmi vilas bank. Laxmi vilas bank comment is withdrawal transaction is success and proof not provided to customer as CCTV footage and Technical error code Please justify and resolve at the earliest . With regards G.venkata subbaiah (Tirupati, Andhra Pradesh, India) at 01:28 Labels: Banking in India Location: Tirupati, Andhra Pradesh, India 17 comments: 1. Anonymous31 May 2014 15:59 from: DBS Hyderabad to: "[protected]@rbi.org.in" cc: "[protected]@gmail.com" date: Wed, Jun 5, 2013 at 5:33 PM subject: FW: sub: ATM transaction failed dated: 15.11.2012 Reg.., mailed-by: rbi.org.in Dear Sir Please see the trailing mail relating to failed ATM transaction, wherein the card issuer bank is Indian Bank. In t/o Para 2(a) of Circular DPSS.PD.No.2632/02.10.002/2010-11 dated May 27, 2011, the reimbursement of failed transaction to the customer is to be made by the issuer bank and as the issuer bank (Indian Bank) is located in Chennai, we are forwarding this complaint to your office for necessary action. with regards Geeta K.Prasad Assistant Manager DBS, Hyderabad ________________________________ From: Prasad, Geeta Krishna Sent: Wednesday, June 05, 2013 5:17 PM To: DBS Hyderabad Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., ________________________________ From: Subrahmanyam, R V R S Sent: Friday, May 31, 2013 12:17 PM To: Prasad, Geeta Krishna Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., RVRS Subrahmanyam AM, RBI, DBS, Hyderabad ________________________________ From: Karan, Vinay Sent: Thursday, May 30, 2013 5:06 PM To: Meena, D K; Shankar, S Cc: Subrahmanyam, R V R S Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., Dear Sir, I am forwarding the complaint received by Shri N.K.Sahu, GM Kolkata Office who was earlier posted at Hyderabad for necessary action at your end. Regards, Vinay karan DGM, HRMD ________________________________ From: Sahu, N K Sent: Thursday, May 30, 2013 5:00 PM To: Karan, Vinay Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., ________________________________ From: Gnithesh Gattamaneni [[protected]@gmail.com] Sent: Thursday, May 30, 2013 7:13 AM To: Sahu, N K Subject: sub : ATM transaction failed dated :15.11.2012 Reg.., Dear sir/Madam Sub: ATM transaction failed dated: 15.11.2012 Reg.., I had requested ten thousands withdrawal transaction at Laxmi vilas ATM bank Tirupathi, Andra Pradesh on 15.11.2012. I am not able to receive cash, same debited from my account. During transaction system and receipt display unavailable due to technical problem. Money must be in ATM bin. Next day Lodge a complaint at my home branch, not yet solved. Lodge complaint to HON'BLE BANKING OMBUDSMAN Chennai, could not taken any action. Indian bank & Laxmi vilas bank provided different reports to customer as Indian bank comment is withdrawal transaction failed but reimbursement of wrongly debited amount could not considered from Laxmi vilas bank. Laxmi vilas bank comment is withdrawal transaction is success and proof not provided to customer as CCTV footage and Technical error code Please justify and give valuable suggestion. With regards G.venkata subbaiah Customer details: Name: g .Venkata subbaiah A/C no:[protected] Home branch: Indian bank, pallipet branch, TAMILNADU Card no:[protected] Mobile no: +91 [protected] Mail id: [protected]@gmail.com [protected][protected][protected][protected][protected][protected] from: IND MAIL to: "[protected]@gmail.com" date: Thu, Mar 28, 2013 at 6:08 PM subject: Your email regarding ATM transaction mailed-by: indianbank.co.in With reference to your email dated 22/03/2013 We hereby wish to inform you that since the acquiring bank has rejected the claim made by our Bank and also provided the mandatory proof for the transaction the request for reimbursement of amount debited for the transaction made through ATM could not be consider. This is for your information. WITH REGARDS. CO/CSC [protected][protected][protected][protected][protected][protected] ! Report Spam Reply 2. Anonymous1 June 2014 03:20 ATM transaction failed dated:15.11.2012 Reg..., from: DBS Hyderabad to: "[protected]@rbi.org.in" cc: "[protected]@gmail.com" date: Wed, Jun 5, 2013 at 5:33 PM subject: FW: sub: ATM transaction failed dated: 15.11.2012 Reg.., mailed-by: rbi.org.in Dear Sir Please see the trailing mail relating to failed ATM transaction, wherein the card issuer bank is Indian Bank. In t/o Para 2(a) of Circular DPSS.PD.No.2632/02.10.002/2010-11 dated May 27, 2011, the reimbursement of failed transaction to the customer is to be made by the issuer bank and as the issuer bank (Indian Bank) is located in Chennai, we are forwarding this complaint to your office for necessary action. with regards Geeta K.Prasad Assistant Manager DBS, Hyderabad ________________________________ From: Prasad, Geeta Krishna Sent: Wednesday, June 05, 2013 5:17 PM To: DBS Hyderabad Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., ________________________________ From: Subrahmanyam, R V R S Sent: Friday, May 31, 2013 12:17 PM To: Prasad, Geeta Krishna Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., RVRS Subrahmanyam AM, RBI, DBS, Hyderabad ________________________________ From: Karan, Vinay Sent: Thursday, May 30, 2013 5:06 PM To: Meena, D K; Shankar, S Cc: Subrahmanyam, R V R S Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., Dear Sir, I am forwarding the complaint received by Shri N.K.Sahu, GM Kolkata Office who was earlier posted at Hyderabad for necessary action at your end. Regards, Vinay karan DGM, HRMD ________________________________ From: Sahu, N K Sent: Thursday, May 30, 2013 5:00 PM To: Karan, Vinay Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., ________________________________ From: Gnithesh Gattamaneni [[protected]@gmail.com] Sent: Thursday, May 30, 2013 7:13 AM To: Sahu, N K Subject: sub : ATM transaction failed dated :15.11.2012 Reg.., Date: 30.05.2013 Dear sir/Madam Sub: ATM transaction failed dated: 15.11.2012 Reg.., I had requested ten thousands withdrawal transaction at Laxmi vilas ATM bank Tirupathi, Andra Pradesh on 15.11.2012. I am not able to receive cash, same debited from my account. During transaction system and receipt display unavailable due to technical problem. Money must be in ATM bin. Next day Lodge a complaint at my home branch, not yet solved. Lodge complaint to HON'BLE BANKING OMBUDSMAN Chennai, could not taken any action. Indian bank & Laxmi vilas bank provided different reports to customer as Indian bank comment is withdrawal transaction failed but reimbursement of wrongly debited amount could not considered from Laxmi vilas bank. Laxmi vilas bank comment is withdrawal transaction is success and proof not provided to customer as CCTV footage and Technical error code Please justify and give your valuable suggestion. With regards G.venkata subbaiah Customer details: Name: g .Venkata subbaiah A/C no:[protected] Home branch: Indian bank, pallipet branch, TAMILNADU Card no:[protected] Mobile no: +91 [protected] Mail id: [protected]@gmail.com Reply 3. Anonymous20 July 2014 02:32 ATM technical expert’s report Sub: Ten thousand rupees wrongly debited in Laxmi vilas ATM bank, Tirupathi, Andhra Pradesh, INDIA dated 15.11.2012 Reg.., from: Sarah Matta to: "g.venkata subbaiah" date: Mon, Jun 10, 2013 at 10:18 PM subject: RE: MOBILEMONEY Homepage Contact mailed-by: mobilemoney.net : Important mainly because of the words in the message If amount was taken out of your account, you will need to file a dispute with your financial institution. Many Thanks, Sarah Matta MOBILEMONEY 941 Calle Negocio San Clemente, CA 92673 P[protected] x 208 F[protected] [protected]@mobilemoney.net -----Original Message----- From: g.venkata subbaiah [mailto:[protected]@gmail.com] Sent: Saturday, June 08, 2013 6:03 AM To: [protected]@mobilemoney.net; [protected]@mobilemoney.net; [protected]@mobilemoney.net Subject: MOBILEMONEY Homepage Contact Name: g.venkata subbaiah Email: [protected]@gmail.com Phone: +91 [protected] Comment or Question: I had requested withdrawal transaction ten thousand rupees one time only, I am not able receive cash, but debited ten thousands from my account .so as per ATM EJ proof 1st trans RESP:65, 2nd transaction RESP:00, from financial institution comment is transaction is successful, actually transaction failed .which are correct ? Please give your valuable suggestion Customer details: Name: g. Venkata subbaiah A/C no:[protected] Home branch: Indian bank, pallipet branch Tiruvallur (DT) Tamilnadu Mobile no: +91 [protected] E mail ID: [protected]@gmail.com Transaction details: Date: 15.11.2012 Time: 12.40pm ATM bank: Laxmi vilas bank Place: Tirupathi, RTC bus stand State: Andhra Pradesh Wrongly debited amount: ten thousands Reply 4. Anonymous25 July 2014 00:45 from: Donde, J D to: "[protected]@gmail.com" date: Fri, Aug 30, 2013 at 4:32 PM subject: Representaion against BO Chennai in connection with your complaint against Laxmi Vilas bank mailed-by: rbi.org.in : Important according to our magic sauce. Madam/ Dear Sir, We are in receipt of your representation against the decision of Banking Ombudsman Chennai in connection with your complaint against Laxmi Vilas bank. The matter is under examination and we will revert back to you in due course. Regards, J D Donde Manager Customer Service Department, Reserve Bank of India, Central Office, Amar Building, 1st Floor, Sir P.M.Road, Fort, Mumbai – 400 001 Reply 5. Anonymous27 July 2014 06:13 from: Donde, J D to: "[protected]@gmail.com" date: Fri, Aug 30, 2013 at 4:32 PM subject: Representaion against BO Chennai in connection with your complaint against Laxmi Vilas bank mailed-by: rbi.org.in : Important according to our magic sauce. Madam/ Dear Sir, We are in receipt of your representation against the decision of Banking Ombudsman Chennai in connection with your complaint against Laxmi Vilas bank. The matter is under examination and we will revert back to you in due course. Regards, J D Donde Manager Customer Service Department, Reserve Bank of India, Central Office, Amar Building, 1st Floor, Sir P.M.Road, Fort, Mumbai – 400 001 Reply 6. Anonymous29 July 2014 14:43 from: RTI DESK AT CORPORATE OFFICE to: ATMSC_CASH cc: [protected]@gmail.com date: Wed, Mar 27, 2013 at 10:11 AM subject: FW: Sub: ATM transaction failed dated: 15.11.2012 Reg..., mailed-by: indianbank.co.in : Dear sir, we forward the complaint relating to his transaction made in LVB ATM at tirupati. LVB is stating that the transaction is successful. The customer is giving his own comments and stating that LVB is not providing the CCTV footage. We forward the complaint to for doing the needful. Chief Manager (CSC) ________________ Reply 7. Anonymous29 July 2014 14:54 Your complaint ported in Grievance redress site of Govt. of India Inbox IND MAIL [protected]@indianbank.co.in, Mar 28, 2013 at 2:08 PM To: "[protected]@gmail.com" [protected]@gmail.com Reply to all Forward Print Delete Show original Attn Mr. G.Venkatasubbaiah Dear Sir Sub: Your complaint ported in Grievance redress site of Govt. of India. With reference to the above we understand that the transactions were made at Point of Sale through MasterCard. For the transactions the acquirer Bank has claimed funds from us. Hence out ATM Center has raised charge back claim. The fate will be known after 45 days as per the prevailing arrangement for settlement of MasterCard transactions made at Point of Sale. This is for your kind information. Regards, .Rajagopal, Chief Manager, Indian Bank, Corporate Office, Customer Service Cell Reply 8. Anonymous3 August 2014 05:48 This comment has been removed by a blog administrator. Reply 9. Anonymous4 August 2014 00:38 FW: sub : ATM transaction failed dated :15.11.2012 Reg.., Inbox Add star Naik, A D AttachmentThu, Jun 13, 2013 at 2:22 PM To: "[protected]@gmail.com" Reply | Reply to all | Forward | Print | Delete | Show original Customer Service Department Reserve Bank of India Central Office Madam/ Dear Sir, We acknowledge receipt of your e-mail in [protected]@rbi.org.in. With Regards, AGM, CSD, RBI, CO, Mumbai. From: CGMCSD Sent: Monday, June 03, 2013 11:19 AM To: Naik, A D Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., Madam/Dear Sir, Regards, For CGM, CSD RBI, Mumbai From: Gopal, A Krishna Sent: Thursday, May 30, 2013 9:59 AM To: CGMCSD Subject: FW: sub : ATM transaction failed dated :15.11.2012 Reg.., Dear Sir, For information and necessary action, if any. Rgds A Krishna Gopal Joint Legal Adviser From: Gnithesh Gattamaneni [mailto:[protected]@gmail.com] Sent: Thursday, May 30, 2013 7:21 AM To: Gopal, A Krishna Subject: sub : ATM transaction failed dated :15.11.2012 Reg.., Date: 29.05.2013 https://mail.google.com/mail/u/0/images/cleardot.gif Dear sir/Madam Sub: ATM transaction failed dated: 15.11.2012 Reg.., I had requested ten thousands withdrawal transaction at Laxmi vilas ATM bank Tirupathi, Andra Pradesh on 15.11.2012. I am not able to receive cash, same debited from my account. During transaction system and receipt display unavailable due to technical problem. Money must be in ATM bin. Next day Lodge a complaint at my home branch, not yet solved. Lodge complaint to HON'BLE BANKING OMBUDSMAN Chennai, could not taken any action. Indian bank & Laxmi vilas bank provided different reports to customer as Indian bank comment is withdrawal transaction failed but reimbursement of wrongly debited amount could not considered from Laxmi vilas bank. Laxmi vilas bank comment is withdrawal transaction is success and proof not provided to customer as CCTV footage and Technical error code Please justify and give valuable suggestion. With regards G.venkata subbaiah Customer details: Name: g .Venkata subbaiah A/C no: 96xxxxx70 Home branch: Indian bank, pallipet branch, TAMILNADU Card no: 504433xxxxxxxxxx922 Mobile no: +91 xxxxxxxx56 Mail id: [protected]@gmail.com Case details given below: Indian bank nodal officer forward to BANKING OMBUDSMAN and complainant, the following proof provided by Laxmi vilas bank ltd. 1. Detailed audit log/ JP log to the transaction with three preceding and three succeeding transaction 2. CCTV footage not available and machine break down not applicable provided by Laxmi vilas bank ltd. COMPLAINANT COUNTER : As per Laxmi vilas bank EJ proof 1st transaction failed with technical error code: 65 Description: processor not communicating with the modem correctly Possible case: this is normally a technical problem .the modem or the main board may cause the problem. Results: no money is dispersed, screen and receipt display system unavailable. EJ proof: NOV 15, 2012 12:40 003DM439 REF. NO:[protected] CRD NO: 504433xxxxxxxxxx922 ACC: TXN: CASH WITHDRAWAL DESC: EXCEEDS DAY COUNT RESP: 65 REQ NOT SERVICED Reply 10. Anonymous6 August 2014 13:46 INDIAN BANK / INDIA / ATM CARD / BANK DEBIT WITHOUT CASH DISPENSING Gnithesh Gattamaneni AttachmentMon, Aug 4, 2014 at 7:18 PM To: cgmcsd, cgmincdapm, dgkale, [protected]@rbi.org.in, bochennai, "principalnodalofficer.vasant", "nksharma.vasant", indianmail, nodalofficer, "indianbank