IDBI Bank Ltd
Opening of Bank Accounts

Copy of letter sent to IDBI Bank Ltd, Nodal officer, who have still not reverted on the same even after 2 days time

Sir / Madam,

This is with reference to the new a/c. opening forms submitted by me to open a

Local & NRE a/c. at ur Borivali Br. on 13-03. Even after completing all the

formalities as required by the branch, & giving the initial a/c. opening forms

along with the cheques, which has already been debited by my respective banks as

on 14-03, still the a/c. had not been sent by the branch for further

processing & kept pending, giving a reason of need of additional documents.

Firstly, I don't understand when the a/c. opening form was submitted, verified &

accepted, & the cheques issued with the same were processed & send for clearing,

subsequently how additional docs pending clause comes into effect for opening of

the a/c. being informed. How can ur documents requirement keep on changing & each

& every time u keep on asking for any new additional documentation to be adhered

to by me giving the KYC procedural requirement as a clause to be blamed.

On 15-03, I had personally visited the Borivali branch for processing of my

applications, as the cheques given along with the application forms submitted had

already been cleared, & no initiative was being taken by the branch to send the

application forms for further processing of the account. I realised that the Idbi

Intech employee Mr. Shrikant Hirwale, had changed my Local A/c. opening form

without considering it necessary to inform me about the reasons for doing the

same, & instead kept me in loop. He had detached the first page of the

application, where there are no signatures to be made by the a/c. holders, &

affixed it to the remaining form, which actually contains signature & was not in

his control. It can be termed as fraud, & misrepresentation of facts, once the

docs are submitted to u on belief, that the same will not be altered, before it

goes for further processing, & copies of the docs submitted for a/c. opening is

not misused, as I had already suffered a burn of the same with my previous

transaction with another bank. Still although the bank branch had committed a

fraud with my docs, I decided not to lodge a complaint about the official

concerned, as after I got angry, he accepted the error committed by him & was told

that the a/c. would be opened today itself. When I did not get any response from

him or any of ur branch officials, I contacted the person at around 8 p.m., & he

gave me an excuse that it was not possible to open the a/c. today, as the branch

manager was not available on that day & was told that it would definitely be

opened on the very next day.

On 16-03, instead of sending the forms, & getting the a/c's opened, they

created a mess of a name change issue of the third holder in the local a/c.

opening form, where in the voters i card there is an extra y in the surname, but

all the other docs of the family members given, has the proper name, & I have

given proof much more than any bank can actually ask a customer to provide for

opening of an account as per RBI guidelines. As regards the NRE a/c., branch had

concerns about address of the joint holder, for which also an e-mail had already

been sent to the branch on 16-03 at around 12 midnight on the request of the

branch to expedite the case, but instead of getting it thru, was being told that

the same is still pending to be received from the customer end.

Then on 16-03, at around 10.30a.m. I approached Mr. Yatin Bapat, a team

leader executive from ur phone banking to help me with sorting out the issue, who

literally tried to help me out to resolve the issue with all his means & powers,

but was unable to get a proper resolution for the same. I was told by him that Mr.

D'mello from the regional office would call on me, instead I received a call from

Borivali branch manager Mr. Dharmesh Gandhi, after a complaint was raised at ur

end, & he was not very good in talking terms & he has criticised me for all errors

done from his branch. I had already forwarded u the mail yesterday sent by Mr.

Avishek Dasgupta, the assistant manager of the branch of the docs he wanted for

NRE a/c. opening, the mail which did not make sense. I really dont understand how

ur officials work, & why should a customer suffer due to the status & egositic

issues of ur branch officials. Can I ask u, what powers have been given to them to

say anything to customers as they want to & are pleased. I am at no fault to open

an account with IDBI, but why I am being targeted for no fault of mine.

As I did not get any resolution from ur end, I had to approach the nodal officer

of the bank directly, Ms. Samiksha to look into the same & resolve the same at the

earliest.

Can u pl. inform me what is the procedure u follow to open an a/c. & what is the

fault of the customer when there are lapses from the branch level, who are never

being made answerable for whatever wrong information & errors they do from their

end, & put the blame on the customers. I request ur goodself to take up the issue

at a priority level & expedite the account opening process with an intimation to

me on a regular basis.

I had also given ample time to each of ur concerned officials though they were

involved in all the wrong doings, to finalise the issue at their end, without

making the issue a very big thing, but had to sought ur help as no things were

moving around.

If I do not get a favourable reply from ur end, I would be forced to complain the

same at a higher level, as my things have already turned muckier.

Thanks & Regards,

Manish.

Company: IDBI Bank Ltd
Country: India
State: Maharashtra
City: Mumbai Suburban

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