My name is Poonam Jaiswal and I live in Secunderabad. I had deposited an amount of 5000 Rs while opening my account in Abids branch of ING Vysya bank (Account Number : 304010089020) in the year 2008. Apart from this, I had paid 1000 Rs for availing the locker facility. While opening the account, the branch manager, Mr Koteshwar Rao said that it is security deposit money because I am using their locker. I thought that the deposit would take care of my locker rent for next 4-5 years.
To my surprise, after a year (after second year deduction of locker rent) the bank started deducting 600 Rs every 3 months from my account as processing fee (penalty) for not maintaining minimum balance. First thing is that the bank never mentioned that the minimum balance should be 5000 Rs in the account always otherwise they would deduct such huge amounts of 2400 Rs a year) without a consumer’s knowledge. In spite of repeated requests the staff never sent me a bank statement either by email or post for almost 2 years. How will I know what my account balance is when I don’t get the statements! I even went to the bank personally and gave written application for monthly statements. But I never received a single statement for 2 years until they made my balance to 1300 Rs in April this year which was not enough for them to take as third year locker fee (their locker rent has been increased to 1500 Rs now from 1000 Rs it seems which is weird). Finally, they made my account balance ZERO Rs this month and now they intimate me through sms and phone call that I should come and pay them more money. I was shocked at this and talked to the manager Mr. Koteshwar Rao and requested for the refund of processing fee as they have charged without informing me. He said that he will give the refund and even a week back he assured me that he will call back in 3-4 days and refund it. He told me that the bank will waive the processing fee, will deduct the locker rent for this half year (another 500 Rs) and give back rest of my amount which would be around Rs.3500. Till now there is no response from them.
I am waiting since almost a year now. Whenever I call the bank (at 040-23446683), some lady picks up and disconnects as soon as I ask her to connect to the manager or sometime the phone just keeps ringing. How can a bank eat up a customer’s hard earned money and ignore like this? I have lost the credibility in this bank and would like to close the account as well as the locker after the settlement. I have a small baby who is undergoing treatment. I can’t run around the bank again and again with a small child. Please help me in getting my refund as I need my money back for my baby’s surgery.
I sincerely hope that the consumer forum takes up this issue against the bank at the earliest and provides me justice. The amount of pain and mental agony that the bank has caused to me in these 2 years is tremendous. My contact details are given below.
Mobile Number : 9290216188
Email: [email protected]