How to complain to the bank about deducting money? How to complain about banking fraud? Money did not come out from ATM but what to do if money is deducted from the account? What to do if the money is deducted from the account if the transaction fails? Cash did not come out from ATM, but what to do if you get a message to cut money? For the answers to all the questions related to this, please read this article till the end.
How to complain about deducting money from bank?
Many customers face the problem of deducting money during banking transactions. In particular, they face more problems who use ATM more, who do online transactions using debit credit cards, who do online transactions using mobile banking and net banking.
For information, let us tell you that 2 out of every 10 people have to face these problems. Many people get very scared when such a problem arises, they wonder whether they will get their money back or not. Fear remains in the mind until the money is returned to the account.
Many times the failure of the transaction causes money to be deducted from the bank account and within a few hours the money is returned to the bank account itself, but many times it is not. In such a situation, fear remains in the mind until the money is returned to the account. Keeping these problems in mind, this article is being published.
So let’s go ahead and know that if the transaction fails and money is deducted from the bank then how to complain to get the money back from the bank? Important information about this. Today we are going to know about 3 types of transactions here, which is the following.
What to do if the transaction fails and money is deducted from the account?
- No money was withdrawn from ATM, money was deducted from bank account.
- Debit credit card transaction failed and money was deducted from bank account.
- Mobile banking or net banking transaction failed and money was deducted from bank account.
For the information, let us tell you that in banking transactions, the customer has to face the most trouble with the above 3 types of services. So let’s know further, how can we get rid of this problem? That is, how to complain to the bank to get the money back when the money is deducted from the bank account? Know about it.
If money is not withdrawn from ATM and money is deducted from bank account, what to do?
We withdraw money from the bank or ATM at the time of need. Most of us prefer to withdraw money from ATM instead of standing in the bank’s line. Many times while withdrawing money from ATM, it happens that money is deducted from the account without withdrawing cash. In such a situation, customers do not have to worry. Just follow some steps given below.
1. Contact the bank’s customer care
- When we do ATM transactions, a slip is created, keep that slip with you.
- After that call the customer care number of your bank, tell them your problem.
- They can take information related to the transaction from you, after which your complaint will be lodged in customer care.
- After that they will tell you how long you will get your money back or what you will have to do next.
- In such a situation, many times the money is returned to the bank account immediately or within 7 days.
2. Contact your bank branch
- If the ATM transaction fails, take the transaction slip generated from the ATM to the bank branch.
- Meet the bank manager there, show them this slip and tell them your problem.
- If possible, make a written complaint with the bank and attach a photocopy of the transaction slip.
- The bank manager will make every effort to get your money back to you.
What to do if debit credit card transaction fails and money is deducted from bank account?
Or
What to do if mobile banking or net banking transaction fails and money is deducted from bank account?
If you do a shopping or any kind of transaction using the bank’s Debit-credit card or mobile banking or net banking and the transaction fails, then create a transaction screenshot that contains all the information related to the transaction. You can use this screenshot as a transaction proof. For this follow the steps given below.
- In many cases, the money is returned to the bank account immediately or within 1 hour, So wait for 1 hour. If money is not returned even after 1 hour, try the following methods
- After that call the customer care and merchant of the bank and tell them about this problem. They will definitely show you ways to get money back
- Or email the merchant and bank to get the money back and attach the screenshot in the email.
- If you want, you can go to the bank branch and talk to the bank manager about it, The bank manager will make every effort to get your money back to you.
RBI has issued new rules
- When cash is not withdrawn from ATMs and money is deducted from the account..
- If the person sent by transferring money from UPI or IMPS does not get the money..
- In case of transaction failure while shopping from e-commerce site..
In these three situations if the money is deducted from the customer’s account and there is a delay of more than 5 days in returning the customer, then the customer will get a compensation of Rs 100 per day.
Last word
Friends, in this article, we have given information about “How to complain about deducting money from bank“. We sincerely hope that this article will prove useful to many people. Apart from this, if anyone has any suggestion or question related to this article, then they can comment and ask us.
Read in Hindi: बैंक से पैसे कटने पर शिकायत कैसे करे
