I have my account with Brij Vihar, Ghaziabad Branch of Punjab National Bank. My Account number is 3711000400500290 and Customer number is 652501417.
On 7th October during use of my ATM card at ICICI Bank ATM (ATM ID No. S1CW3780), the transaction was declined; however Rs.5000/- was debited from my account. Thereafter, I lodged a complaint with PNB call centre vide complaint number 20522534 on 7th October.
I had also put up this matter before the PNB branch and have submitted application in the branch along with the copies of Transaction Slips stating "Tansaction declined". I further confirmed the status of my complaint from PNB Complaint cell and I got a reply that “Claim rejected by other bank, i.e. ICICI Bank”.
Since, I have adequate proof that the transaction was declined and have submitted the same to the branch as well. Still the other bank (ICICI bank) is rejecting my claim, then the burden of proof lies on ICICI bank to prove that any money was received by me.
As per hon'able Supreme Court if any money is wrongly debited in an ATM transaction that has been declined then the moneys debited shall be credited back into the customers account within 45 days. Rather than doing this ICICI bank is rejecting my claim. I would say that Either of the Banks in question is eating up my money.
I request the Consumer court to get me my money back.
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