Bengaluru woman sues banks, wins refund & Rs 5,000 relief | Bengaluru News – Times of India
Despite CCTV footage proving she wasn’t to blame, a bank had deducted Rs 15,000 from a woman’s account even though a faulty ATM of another bank failed to dispense cash but printed a withdrawal receipt.
BENGALURU: Despite CCTV footage proving she wasn’t to blame, a bank had deducted Rs 15,000 from a woman’s account even though a faulty ATM of another bank failed to dispense cash but printed a withdrawal receipt. The Bengalurean sued both the banks in a consumer court, which recently ordered she get full refund with interest apart from Rs 5,000 as compensation for the humiliation caused.
On August 21, 2019, Sunkadakatte resident Sukanya R used the Bank of Baroda ATM attached to the Vijayanagar branch. She tried to withdraw Rs 15,000 from her Vijaya Bank (now Bank of Baroda) savings account and got a receipt on deduction of the sum but the ATM didn’t dispense the money. An account holder at Vijaya Bank’s Mysuru Road branch, Sukanya approached its authorities and lodged a complaint. She was assured a refund if a probe found she wasn’t at fault.
With three months having elapsed and no action from her bank branch, the 35-year-old Bengalurean also lodged a complaint with Bank of Baroda, which owned the said ATM. Meanwhile, Vijaya Bank deducted Rs 590 with GST without her consent towards service and arbitration charges and assured her it would be refunded if her claim was justified. Having received no response or refund, Sukanya approached Bangalore Rural and Urban 1st Additional District Consumer Disputes Redressal Forum in Shantinagar with a complaint against Vijaya Bank and Bank of Baroda on January 9, 2020 for unfair trade practices.
Sukanya presented her claim through her lawyer, while the attorney representing Vijaya Bank termed the complaint as false as Bank of Baroda declared the Rs 15,000 transaction was successful and she had taken the cash from the machine. But judges of the forum who examined the CCTV footage from the ATM noted it was clear the complainant didn’t receive the money. They stated that for reasons best known to them, the banks did not appear before the court to adduce evidence, adding they failed to refund the woman, which amounts to deficiency in service and unfair trade practice.
As per RBI guidelines, it is the bounden duty of the bank to inquire and decide within 90 days and pay the amount to the complainant, failing which it has to pay compensation per day, the judges added. Bank of Baroda remained ex-parte in the case.
In a verdict pronounced on August 18, 2021, the judges ruled that senior managers of Vijaya Bank and Bank of Baroda must jointly refund Rs 15,000 and Rs 590 with interest to the customer, apart from paying her a compensation of Rs 3,000 for the trouble caused and Rs 2,000 towards court expenses.