Withdrawing money from ATM? Beware of unknowing transaction errors!

I personally don’t know where is my bank branch located! As every thing carried out through ATMs, through online, I never found a reason to go to branch. Wait! don’t get excited for such a simple life, things are getting complex in ATM transactions.

After getting last months salary, I went to ATM to withdraw some money. I entered 5,200 & ATM gave error as “Unable to Connect”. I thought let’s try somewhere else & went out. But after when I checked my account status, it showed 5,200 less! Further digged to see that it is showing Rs.5,200 being withdrawn by myself!?

I made no mistake & called customer care immediately, but they asked me to give complaint next day as system was down that time. Again I called them next morning & registered my complaint. Customer care told me they will let me know the status of complaint within 9 hours, but they are not. I called them up 2-3 times that week & answer was the issue not yet resolved.

After a week I again called them & I heard something else this time. They told “This is a void transaction & will take 35 days to get your money back”. Aila! 35 days was very big for me, I had lot of commitments with that money. I argued with customer care, but no use.

After two or three days, I saw an article on kannada daily “Vijaya Karnataka” on the same issue. This kind of problems has occurred to lot of other people too.

So, be careful while withdrawing money from ATMs. Few of the points to be taken care:

  • Keep transaction slip with you when void transactions occur, as this is the only proof.
  • Remember your phone banking password (TPIN) to register complaint.
  • Register a complaint immediately after this kind of transaction. If you do not, you may loose your money.
  • Keep complaint number safe for future enquiries.

Finally I got my money back on 36th day :-) . But the way banks handling this situations is very poor. 35 days is a very long & can prove costly for any one.

Comments

  1. says

    hi prashanth,

    did they pay u interest for this period.
    ii) did they compensate you in any way.

    try dropping in a complaint at consumer court. I am really pissed off with the banks high handedness..(i once withdrew 500, got only 400 out.. and had real tough time .. to get back the 100…

  2. says

    hi prashanth,

    did they pay u interest for this period.
    ii) did they compensate you in any way.

    try dropping in a complaint at consumer court. I am really pissed off with the banks high handedness..(i once withdrew 500, got only 400 out.. and had real tough time .. to get back the 100…

  3. says

    Oh! Thats good to hear that you got your money back! But 35 days is too long.
    You should lodge a complaint in consumer court as suggested by one guy here. Also, write a letter to local paper (preferably Vijaya Karnataka) and make everyone aware of such things. It only wakes up bank people to act quickly in future.

  4. says

    Oh! Thats good to hear that you got your money back! But 35 days is too long.
    You should lodge a complaint in consumer court as suggested by one guy here. Also, write a letter to local paper (preferably Vijaya Karnataka) and make everyone aware of such things. It only wakes up bank people to act quickly in future.

  5. Avinash says

    Hey, this happened to me also. 3500/- got debited twice from my account. i am still doing rounds to the bank, unfortunately, i haven’t got it yet. they say, it’ll take 1 week to 15 days to 1 month. sometimes, i really dont understand their language.

  6. Avinash says

    Hey, this happened to me also. 3500/- got debited twice from my account. i am still doing rounds to the bank, unfortunately, i haven’t got it yet. they say, it’ll take 1 week to 15 days to 1 month. sometimes, i really dont understand their language.

  7. mohan says

    Hi

    I am also facing the same problem .One week back i tried to draw 5000 from indian bank ATM, But the ATM displayed “EQUIPMENT ERROR ” ,BUT 5000 LESS IN MY ACCOUNT.

    Immediately i Complaint to manager ,he said u r money will recredit in “ONE” . Now to day is “7”th day still i am doing ‘LEFT – RIGHT , LEFT – RIGHT ” to wards INDIAN BANK.

    CAN anybody give me suggestions

    THAKS IN ADVANCE.

  8. mohan says

    Hi

    I am also facing the same problem .One week back i tried to draw 5000 from indian bank ATM, But the ATM displayed “EQUIPMENT ERROR ” ,BUT 5000 LESS IN MY ACCOUNT.

    Immediately i Complaint to manager ,he said u r money will recredit in “ONE” . Now to day is “7”th day still i am doing ‘LEFT – RIGHT , LEFT – RIGHT ” to wards INDIAN BANK.

    CAN anybody give me suggestions

    THAKS IN ADVANCE.

  9. ajay says

    same case happened to me i am habving account with UCO bank and withdraw money from SBI ATM of Rs 15000 debit in account without getting any cash , given complain

  10. ajay says

    same case happened to me i am habving account with UCO bank and withdraw money from SBI ATM of Rs 15000 debit in account without getting any cash , given complain

  11. Kunal Anshal says

    I too faced a similar issue yday. I have an ICICI account. SInce I can withdraw money from any bank ATMs, so I went to HDFC bank to withdraw money. I put up a request for Rs 2000. ATM took some time and then it says ” Txn timed out”. I then pressed cancel and my card came out. I tried again, but same results. Now when I went I checked my account balance it says 2000 rs have been debited twice. I immediately called up the ICICI customer care and logged the complain and got a compalin no. They say it will take 8 working days as it will require sm investigation from their side. Let me see when I can get back the money.

  12. Kunal Anshal says

    I too faced a similar issue yday. I have an ICICI account. SInce I can withdraw money from any bank ATMs, so I went to HDFC bank to withdraw money. I put up a request for Rs 2000. ATM took some time and then it says ” Txn timed out”. I then pressed cancel and my card came out. I tried again, but same results. Now when I went I checked my account balance it says 2000 rs have been debited twice. I immediately called up the ICICI customer care and logged the complain and got a compalin no. They say it will take 8 working days as it will require sm investigation from their side. Let me see when I can get back the money.

  13. udit says

    hey guys,

    The same problem happened with me…..2day mornin i withdrew 12,500 but machine said transaction timed out…my card came out not te money….from vijaya bank atm…..i went to bank but they said wait for 24 hrs if it is a machine error your money will be credited itself,,,,ny clues whether it will be or ill have to suffer a loss,, i don have ny receipt of proof of the transaction,,,,m really scared ,,,,,freakin 12.5K….plz reply

  14. udit says

    hey guys,

    The same problem happened with me…..2day mornin i withdrew 12,500 but machine said transaction timed out…my card came out not te money….from vijaya bank atm…..i went to bank but they said wait for 24 hrs if it is a machine error your money will be credited itself,,,,ny clues whether it will be or ill have to suffer a loss,, i don have ny receipt of proof of the transaction,,,,m really scared ,,,,,freakin 12.5K….plz reply

  15. says

    @udit
    24 hours is good :)
    wait for 24 hours & check if it’s credited back to your account.
    If not call customer care & keep doing that until you get credited with your money.
    Though I can’t assure you will get your money back, in most of they cases, these errors will be successfully resolved.

  16. says

    @udit
    24 hours is good :)
    wait for 24 hours & check if it’s credited back to your account.
    If not call customer care & keep doing that until you get credited with your money.
    Though I can’t assure you will get your money back, in most of they cases, these errors will be successfully resolved.

  17. Parthiban says

    Hi,

    This is my worst experience I had with Citibank. This month I withdraw Rs. 12000/- from the Citibank ATM machine. But it dispensed only Rs. 10,500/-. Immediately (next second) I registered a complaint saying I recieved Rs. 1500/- less. Also I gave the denominations list too. They asked me to send the mail. I sent the mail. After one week I recieved reply stating that “Transaction is valid” I am sure and for God’s sake I know I got only Rs. 10,500/- but they again and again say that the transaction is valid meaning I recieved Rs. 12,000/-. Beware of Citibank ATM. Nowadays there is no need of outside thief to come and loot in ATM. They themselves do this. BEWARE OF CITIBANK ATM!

  18. Parthiban says

    Hi,

    This is my worst experience I had with Citibank. This month I withdraw Rs. 12000/- from the Citibank ATM machine. But it dispensed only Rs. 10,500/-. Immediately (next second) I registered a complaint saying I recieved Rs. 1500/- less. Also I gave the denominations list too. They asked me to send the mail. I sent the mail. After one week I recieved reply stating that “Transaction is valid” I am sure and for God’s sake I know I got only Rs. 10,500/- but they again and again say that the transaction is valid meaning I recieved Rs. 12,000/-. Beware of Citibank ATM. Nowadays there is no need of outside thief to come and loot in ATM. They themselves do this. BEWARE OF CITIBANK ATM!

  19. KS says

    I had very very bad time with UCO Bank, I think UCO Bank is worse bank service in India. Specially one Mr. Pradipto Kumar Balu from Krishnanagar, Nadia District Branch, WB. He is one big ‘Kam Chore’ Person. He is delaying to resolve a DD lost case past 20 days.
    I have complint to the head UCO Bank about him. Not sure what they will do about it.

    PLEASE STAY AWAY FROM UCO BANK.

    YOU BETTER GO WITH ANY OTHER BANK BUT NEVER UCO BANK.

  20. KS says

    I had very very bad time with UCO Bank, I think UCO Bank is worse bank service in India. Specially one Mr. Pradipto Kumar Balu from Krishnanagar, Nadia District Branch, WB. He is one big ‘Kam Chore’ Person. He is delaying to resolve a DD lost case past 20 days.
    I have complint to the head UCO Bank about him. Not sure what they will do about it.

    PLEASE STAY AWAY FROM UCO BANK.

    YOU BETTER GO WITH ANY OTHER BANK BUT NEVER UCO BANK.

  21. Rajesh Gond says

    Hi All,
    I am also this problem. I have Saraswat Bank ATM card & tried to withdraw money from on 13-4-2008 from AXIS bank ATM, but got message “request timed out” and amount debited to my account.

    Since then I am following regularly with my branch, but they always say that there is no reply received by AXIS bank, as in their account it’s showing as money withdrawn.

    Kindly suggest any one what to do. Also suggest how to move to consumer court against this type of poor service & harrashments.

    Thanks every one.

  22. Rajesh Gond says

    Hi All,
    I am also this problem. I have Saraswat Bank ATM card & tried to withdraw money from on 13-4-2008 from AXIS bank ATM, but got message “request timed out” and amount debited to my account.

    Since then I am following regularly with my branch, but they always say that there is no reply received by AXIS bank, as in their account it’s showing as money withdrawn.

    Kindly suggest any one what to do. Also suggest how to move to consumer court against this type of poor service & harrashments.

    Thanks every one.

  23. says

    @Rajesh
    I guess following your branch means you registered a complaint?
    If so keep a slip, complaint number with you. Can you tell what actually staff in your branch told to you? Because when I faced same problem, they said they have not yet received any reply from Corp. bank. And it to around 35 days to resolve. So, did they gave you any deadline? say 30 days or something like that?

  24. says

    @Rajesh
    I guess following your branch means you registered a complaint?
    If so keep a slip, complaint number with you. Can you tell what actually staff in your branch told to you? Because when I faced same problem, they said they have not yet received any reply from Corp. bank. And it to around 35 days to resolve. So, did they gave you any deadline? say 30 days or something like that?

  25. Mohd Nadeem says

    Hi..
    I have A/C in AXIS bank ,Gurgaon Branch.
    I withdraw transaction of 4000/-RS , But i got only 100/- instead of actual amount.My A/c is deducted from 4000/-RS.I don’t what problem behind this , but i know well its not my mistake.I have complaint this to AXIS bank Customer Care , customer care executive said i will get reversal Balance( 3900/RS) within in 48 Hours.But i didn’t get reversal balance till now.I have given this complaint in written to MY Branch too.
    Due to Machine fault i suffered that time ,and now i am suffering again due to poor bank’s services.I have given three times complain,but no result.
    What should i do ? PLz suggests..
    9250927870

  26. Mohd Nadeem says

    Hi..
    I have A/C in AXIS bank ,Gurgaon Branch.
    I withdraw transaction of 4000/-RS , But i got only 100/- instead of actual amount.My A/c is deducted from 4000/-RS.I don’t what problem behind this , but i know well its not my mistake.I have complaint this to AXIS bank Customer Care , customer care executive said i will get reversal Balance( 3900/RS) within in 48 Hours.But i didn’t get reversal balance till now.I have given this complaint in written to MY Branch too.
    Due to Machine fault i suffered that time ,and now i am suffering again due to poor bank’s services.I have given three times complain,but no result.
    What should i do ? PLz suggests..
    9250927870

  27. ashwinJ says

    I used my HDFC Debit Card to withdraw Rs 4500 from an ICICI ATM located in Godrej,Vikhroli West,Mumbai ( on 1st august,2008 After punching in my PIN and the amount to withdraw, the ATM worked on for a while and finally the Transaction was declined. I was stunned later to find that my account was debited with Rs 4500 even when the cash was not dispensed. I raised a dispute with HDFC bank ,They asked me to make a complaint and my money would be returned in 3-4 working days. after 3 days the hdfc employee called up to tell me that ICICI claims that the transaction to be valid and I will have to fill up another form called ” Card Dispute Form” which i did on 6th August at HDFC Branch,Mumbai and the employee told me that it would take at least 35 -50 days to get my money back and i will only get the money back if my transaction was invalid, otherwise i would be charged Rs 100 as a fee.

    Now what proof do i have and how can i claim that my transaction was invalid and i didn?t get any money and why will take 35 -50 days to resolve this issue ?

    I consider this as a complete lack of empathy to the customer and his problems. Who is to blame ICICI or HDFC?

  28. ashwinJ says

    I used my HDFC Debit Card to withdraw Rs 4500 from an ICICI ATM located in Godrej,Vikhroli West,Mumbai ( on 1st august,2008 After punching in my PIN and the amount to withdraw, the ATM worked on for a while and finally the Transaction was declined. I was stunned later to find that my account was debited with Rs 4500 even when the cash was not dispensed. I raised a dispute with HDFC bank ,They asked me to make a complaint and my money would be returned in 3-4 working days. after 3 days the hdfc employee called up to tell me that ICICI claims that the transaction to be valid and I will have to fill up another form called ” Card Dispute Form” which i did on 6th August at HDFC Branch,Mumbai and the employee told me that it would take at least 35 -50 days to get my money back and i will only get the money back if my transaction was invalid, otherwise i would be charged Rs 100 as a fee.

    Now what proof do i have and how can i claim that my transaction was invalid and i didn?t get any money and why will take 35 -50 days to resolve this issue ?

    I consider this as a complete lack of empathy to the customer and his problems. Who is to blame ICICI or HDFC?

  29. Marla says

    Yesterday at the National city bank I tried to withdraw money from atm I didn’t get the money, but was debited out of my account and no one wants to pay it back now. It returned my card and error on reciept

  30. Marla says

    Yesterday at the National city bank I tried to withdraw money from atm I didn’t get the money, but was debited out of my account and no one wants to pay it back now. It returned my card and error on reciept

  31. ARUP MUKHERJEE says

    I tried to draw Rs.7000/- from Axis Bank ATM counter Serampore,Battala, Hooghly.W.B. with the help of my SBI ATM card 6220180212100039719 on 1/10/08 at 12:45 & 12:46 hrs.I got two slips written ” Withdrawal Transaction Declined 072 unable to process” & I did not get any money but an amount of Rs. 7020 was debited in my SBI S/B A/c no:10598551305 when I checked it in SBI ATM counter at 18:51 hrs on the same date during withdrawal of money. I informed accordingly the authorities of both the Banks with documents immediately without any effect till date.Is Axis Bank so unreliable?!!

  32. ARUP MUKHERJEE says

    I tried to draw Rs.7000/- from Axis Bank ATM counter Serampore,Battala, Hooghly.W.B. with the help of my SBI ATM card 6220180212100039719 on 1/10/08 at 12:45 & 12:46 hrs.I got two slips written ” Withdrawal Transaction Declined 072 unable to process” & I did not get any money but an amount of Rs. 7020 was debited in my SBI S/B A/c no:10598551305 when I checked it in SBI ATM counter at 18:51 hrs on the same date during withdrawal of money. I informed accordingly the authorities of both the Banks with documents immediately without any effect till date.Is Axis Bank so unreliable?!!

  33. says

    @ ARUP MUKHERJEE:

    This kind of problem usually happens when you try withdrawing money from other bank’s networked ATM. So there is no question about faulty services. Just inform your bank with a written letter and get a copy of the letter received by the banking officials. If that doesn’t solve your problem, you may even approach the banking sectors watch dog, i.e. Banking Ombudsman.

  34. says

    @ ARUP MUKHERJEE:

    This kind of problem usually happens when you try withdrawing money from other bank’s networked ATM. So there is no question about faulty services. Just inform your bank with a written letter and get a copy of the letter received by the banking officials. If that doesn’t solve your problem, you may even approach the banking sectors watch dog, i.e. Banking Ombudsman.

  35. Nagendra Prasath says

    Dont ever go for Standard Chartered Bank. I don know abt other banks but please read the below incident and think how you?d react if you?re put into such sutiation.

    On the day of October 2, 2008, I tried to withdraw an amount of Rs. 22000 to pay house advance through Allahabad ATM. The ATM didnt work properly and the money didnt get dispensed. I raised a complaint with the Customer Care and they informed me that this is normal and i?ll get the money back within three working days or 11 working days. On October 14th i received a call stating i need to sign a dispute form and its been courier to me. i need to sign it and send it back to customer care mumbai. On October 17th, i called the customer care to know the status. They said i need to go to the bank and give a dispute form. I went bank and they asked the reference number. Please be careful. Whenever you raise a complaint be sure you get the reference number.
    Since i didnt have the reference number i called the customer care from the bank and i was told that there is no complaint raised at all. I felt much troubled. because i?ve the reference number recorded in my pc. Again i raised a complaint on October 18th.

    Now the latest news is I may get the money back on December 2, 2008.
    See how a normal salaried person could survive without 22,000. Now i?m applying for a personal to submit house deposit.

    BEWARE OF ATMs. DONT TAKE HUGE AMOUNT OF MONEY. TRY 1000s first then try for large amount.

    Whenever you call and raise a complaint record the whole conversation in your mobile and dont forget to get the reference number. Without the reference number, you complait is VOID.

    They?ve multiple customer care. one in bangalore, one in chennai and another one in mumbai. When you raise complaint in Mumbai branch and ask the customer care of bangalore about the status- they?d simply say that there is no complaint recorded.

    Whenever you get a phonecall from Standard Chartered Customer care, record the number, person name and his/her branch. Without this they wont consider your complaint.

    IF ANYONE KNOW HOW TO RAISE A COMPLAINT IN CONSUMER COURT PLEASE LET ME KNOW

  36. Nagendra Prasath says

    Dont ever go for Standard Chartered Bank. I don know abt other banks but please read the below incident and think how you?d react if you?re put into such sutiation.

    On the day of October 2, 2008, I tried to withdraw an amount of Rs. 22000 to pay house advance through Allahabad ATM. The ATM didnt work properly and the money didnt get dispensed. I raised a complaint with the Customer Care and they informed me that this is normal and i?ll get the money back within three working days or 11 working days. On October 14th i received a call stating i need to sign a dispute form and its been courier to me. i need to sign it and send it back to customer care mumbai. On October 17th, i called the customer care to know the status. They said i need to go to the bank and give a dispute form. I went bank and they asked the reference number. Please be careful. Whenever you raise a complaint be sure you get the reference number.
    Since i didnt have the reference number i called the customer care from the bank and i was told that there is no complaint raised at all. I felt much troubled. because i?ve the reference number recorded in my pc. Again i raised a complaint on October 18th.

    Now the latest news is I may get the money back on December 2, 2008.
    See how a normal salaried person could survive without 22,000. Now i?m applying for a personal to submit house deposit.

    BEWARE OF ATMs. DONT TAKE HUGE AMOUNT OF MONEY. TRY 1000s first then try for large amount.

    Whenever you call and raise a complaint record the whole conversation in your mobile and dont forget to get the reference number. Without the reference number, you complait is VOID.

    They?ve multiple customer care. one in bangalore, one in chennai and another one in mumbai. When you raise complaint in Mumbai branch and ask the customer care of bangalore about the status- they?d simply say that there is no complaint recorded.

    Whenever you get a phonecall from Standard Chartered Customer care, record the number, person name and his/her branch. Without this they wont consider your complaint.

    IF ANYONE KNOW HOW TO RAISE A COMPLAINT IN CONSUMER COURT PLEASE LET ME KNOW

  37. rajshekhar says

    I have an account with HDFC Bank,
    on 8th OCT 2008, I tried to use HDFC Visa card in an ICICI
    tried to withdraw amount Rs 15000, amount was debited from my account but cash was not dispenced from ATM :
    didnot even get slip from ATM

    Logged a complain with HDFC on 9th OCT :

    Upon the request of HDFC customer care executive on 13 OCT, submitted a written Charge Back form on 14 OCT 2008.

    To this day the amount is not credited back.
    HDFC bank says it will credit the amount back on 13 DEC 2008 , which is two and half months after the transaction is done.
    And moreover the response from the bank is not satisfactory, they say VISA will take 35 to 50 days for the amount to be credited back , Have asked them to share such a document which talks about this process . but they are unable to share any such document.

    As many of you have already pointed out , it is really dissapointing on these banks part to make customer for for 2 months to wothdraw their own cash.

  38. rajshekhar says

    I have an account with HDFC Bank,
    on 8th OCT 2008, I tried to use HDFC Visa card in an ICICI
    tried to withdraw amount Rs 15000, amount was debited from my account but cash was not dispenced from ATM :
    didnot even get slip from ATM

    Logged a complain with HDFC on 9th OCT :

    Upon the request of HDFC customer care executive on 13 OCT, submitted a written Charge Back form on 14 OCT 2008.

    To this day the amount is not credited back.
    HDFC bank says it will credit the amount back on 13 DEC 2008 , which is two and half months after the transaction is done.
    And moreover the response from the bank is not satisfactory, they say VISA will take 35 to 50 days for the amount to be credited back , Have asked them to share such a document which talks about this process . but they are unable to share any such document.

    As many of you have already pointed out , it is really dissapointing on these banks part to make customer for for 2 months to wothdraw their own cash.

  39. Kunal Anshal says

    Let me put a first hand account here. I had earlier posted a comment in this group regarding ATM not dispensing cash, but amount getting debited from my account. ATM used is HDFC where as I hold an ICICI account. Upon follow up with ICICI, they recorded my complain, initiated a charge back on HDFC and told me that the process will take 45 days to get the credit back. Meanwhile I kept on following up with them over emails just to keep record of my exchanges with them. To my utmost pleasure, I did get the credit back after 45 days. So I would suggest you folks to give it a max time of 45 days before you take it to any further escalations with your bank. Ideally if things are fine, you can get the credit back within 24 hrs of such cases, if it doesn’t happen then log a complain and wait for 45 days.

    Hope this will sooth some minds :)

    Regards
    Kunal

  40. Kunal Anshal says

    Let me put a first hand account here. I had earlier posted a comment in this group regarding ATM not dispensing cash, but amount getting debited from my account. ATM used is HDFC where as I hold an ICICI account. Upon follow up with ICICI, they recorded my complain, initiated a charge back on HDFC and told me that the process will take 45 days to get the credit back. Meanwhile I kept on following up with them over emails just to keep record of my exchanges with them. To my utmost pleasure, I did get the credit back after 45 days. So I would suggest you folks to give it a max time of 45 days before you take it to any further escalations with your bank. Ideally if things are fine, you can get the credit back within 24 hrs of such cases, if it doesn’t happen then log a complain and wait for 45 days.

    Hope this will sooth some minds :)

    Regards
    Kunal

  41. somasundaram says

    In SBI Kailasapuram on 1st Nov’08 excess debit for Rs. 15000/ happened in my ATM transaction. Fortunately I verified the slip and lodged complaint immediately. But no solution yet. Why this happens? How to make SBI responsible for consequential damages due to non availability of our fund erroneously parked somewhere?
    Can anyone suggest? This is the vigilance week!!!!!!!!!!

  42. somasundaram says

    In SBI Kailasapuram on 1st Nov’08 excess debit for Rs. 15000/ happened in my ATM transaction. Fortunately I verified the slip and lodged complaint immediately. But no solution yet. Why this happens? How to make SBI responsible for consequential damages due to non availability of our fund erroneously parked somewhere?
    Can anyone suggest? This is the vigilance week!!!!!!!!!!

  43. says

    @Saket Kumar – Request your bank to get it activated.

    @ rajshekhar:
    yes.. its a nightmare for customers if the banks say this :(

    @ Kunal Anshal:
    Thanks for sparing your time to comment on TechB :)

    @ somasundaram:
    Approach the obudsman.. The watch dog for banks activities.. :)

  44. says

    @Saket Kumar – Request your bank to get it activated.

    @ rajshekhar:
    yes.. its a nightmare for customers if the banks say this :(

    @ Kunal Anshal:
    Thanks for sparing your time to comment on TechB :)

    @ somasundaram:
    Approach the obudsman.. The watch dog for banks activities.. :)

  45. Thirumala says

    Hi Prashanth .

    Need your input’s on the below dispute

    I have an account in ICICI bank , on November 01st 2008 I was in my hometown and there was No ICICI atm , So I went to Axis bank to withdraw Rs 8000 , But i got error “Transcation cancelled ” , & i threw the slip , after 20 mins i received SMS from ICICI bank , 8000 debited from your account , then I called call center and explained the problem , they gave me a call reference number and told that i will be recieving reply in 8 days , However as on 13.11.2008 , I did not receive any reply , once again i called them ,they told VISA has claimed the money and they will not able to reverse the money , But we will intiate a charge back process and it will take 45 days for a response . to be on the safer side i have a registerd a compliant in ICICI website ,But I received a reply email saying

    ICICI BANK RESPONSE BELOW

    “Please note the transaction dated November1,2008 amounted Rupees 8000/- has been approved and claimed by National Financial Switch, hence reversal of this transaction is not possible .

    However as we have received the complaint from your side, we have initiated a chargeback for the mentioned transaction on the acquiring bank. The TAT for the same is 45 days, If the case is represented by acquiring bank we will not be able to reverse the transaction.

    Further we deeply regret the for the inconvenience which is getting caused to you in this regard as you have not received the cash on time and assure you, that every effort is being made to ensure that we can service our customer in more better way.
    ICICI BANK.

    But I’m not sure what are the next steps in case if i dont receive my money within 45 days.

    Please help me.

    Thanks .
    Thirumala.

  46. Thirumala says

    Hi Prashanth .

    Need your input’s on the below dispute

    I have an account in ICICI bank , on November 01st 2008 I was in my hometown and there was No ICICI atm , So I went to Axis bank to withdraw Rs 8000 , But i got error “Transcation cancelled ” , & i threw the slip , after 20 mins i received SMS from ICICI bank , 8000 debited from your account , then I called call center and explained the problem , they gave me a call reference number and told that i will be recieving reply in 8 days , However as on 13.11.2008 , I did not receive any reply , once again i called them ,they told VISA has claimed the money and they will not able to reverse the money , But we will intiate a charge back process and it will take 45 days for a response . to be on the safer side i have a registerd a compliant in ICICI website ,But I received a reply email saying

    ICICI BANK RESPONSE BELOW

    “Please note the transaction dated November1,2008 amounted Rupees 8000/- has been approved and claimed by National Financial Switch, hence reversal of this transaction is not possible .

    However as we have received the complaint from your side, we have initiated a chargeback for the mentioned transaction on the acquiring bank. The TAT for the same is 45 days, If the case is represented by acquiring bank we will not be able to reverse the transaction.

    Further we deeply regret the for the inconvenience which is getting caused to you in this regard as you have not received the cash on time and assure you, that every effort is being made to ensure that we can service our customer in more better way.
    ICICI BANK.

    But I’m not sure what are the next steps in case if i dont receive my money within 45 days.

    Please help me.

    Thanks .
    Thirumala.

  47. says

    @Thirumala – I really regret whatever happened with you. This is becoming a huge problem. For normal people like us, 8000 is a huge amount. These banks should upgrade their system to avoid these kind on inconvenience, I don’t know whon to talk with :(

    Anybody here knows anyone who can take this issue up? Suggestions are appreciated.

  48. says

    @Thirumala – I really regret whatever happened with you. This is becoming a huge problem. For normal people like us, 8000 is a huge amount. These banks should upgrade their system to avoid these kind on inconvenience, I don’t know whon to talk with :(

    Anybody here knows anyone who can take this issue up? Suggestions are appreciated.

  49. Dipak says

    I am also a facing a same problem,I have a bank account in ICICI bank and i had made a atm transaction at SBI ATM, so after 8 days of enquirey bank told that they will take 45 days to solve the problem, but at present report is given by the bank that amount is withdrwn successfully from the bank, don’t know where to go after 45 days if money not received back.

  50. Dipak says

    I am also a facing a same problem,I have a bank account in ICICI bank and i had made a atm transaction at SBI ATM, so after 8 days of enquirey bank told that they will take 45 days to solve the problem, but at present report is given by the bank that amount is withdrwn successfully from the bank, don’t know where to go after 45 days if money not received back.

  51. Siddu says

    Hi Tirumala..

    Did u get any response from ICICI bank. I am also facing the same problem with Axis and ICICI bank.

  52. Siddu says

    Hi Tirumala..

    Did u get any response from ICICI bank. I am also facing the same problem with Axis and ICICI bank.

  53. Mahesh says

    I was trying to withdraw Rs. 5000/-from citibank atm with axis bank card there came transaction error, I tried once again I noted my account was debited. first I called up citibank they told it is entirely in hand of axis bank and told me to call them. I met the customer care at their branch, they told it will take atleast 45 days to reverse it.I met branch head at main branch in the city he said it might do satellite error or at probelm with atm machine. 15 days over still Iam waiting for my cash. when I read the comments, I learn so many people have similar experience and some got back the money with in 45 days, brings some hope of getting back my money. I will wait 45 days before going for further steps.

  54. Mahesh says

    I was trying to withdraw Rs. 5000/-from citibank atm with axis bank card there came transaction error, I tried once again I noted my account was debited. first I called up citibank they told it is entirely in hand of axis bank and told me to call them. I met the customer care at their branch, they told it will take atleast 45 days to reverse it.I met branch head at main branch in the city he said it might do satellite error or at probelm with atm machine. 15 days over still Iam waiting for my cash. when I read the comments, I learn so many people have similar experience and some got back the money with in 45 days, brings some hope of getting back my money. I will wait 45 days before going for further steps.

  55. BHARGAV says

    I HAVE CURRENT AC IN HDFC MANINAGAR BR. I USE HDFC BANK DEBIT CARD TO WITHRAL MONEY, DATE : 20/02/2009 I USE MY DEBIT CARD TO WITHARL MONEY FROM MY ACCOUNTS, BANK OF BARODA ATM – ELLISBRIDGE BR. RS.15000/-. I NOT GET MONEY DUE TO TO SOME ERROR IN ATM MACHINE , BUT WHEN I CHECK IN ACCOUNTS, SAME MONEY WAS DEBITED. I MAKE NO MISTAK AND LODGE COMPLAINT WITH CUSTOMER CARE_ HDFC BANK AND FILL THE FROM CUSTOMER DISPUTED FROM, I FILL IT SAME DAYS, BANK PERSON SAID MY COMPLAINT WILL BE SOLVED WITHIN 45 DAYS,

    HOW LOWER MIDDLE CLASS PERSON CAN SURVIVE UP TO FOURT FIVE DAYS.

  56. BHARGAV says

    I HAVE CURRENT AC IN HDFC MANINAGAR BR. I USE HDFC BANK DEBIT CARD TO WITHRAL MONEY, DATE : 20/02/2009 I USE MY DEBIT CARD TO WITHARL MONEY FROM MY ACCOUNTS, BANK OF BARODA ATM – ELLISBRIDGE BR. RS.15000/-. I NOT GET MONEY DUE TO TO SOME ERROR IN ATM MACHINE , BUT WHEN I CHECK IN ACCOUNTS, SAME MONEY WAS DEBITED. I MAKE NO MISTAK AND LODGE COMPLAINT WITH CUSTOMER CARE_ HDFC BANK AND FILL THE FROM CUSTOMER DISPUTED FROM, I FILL IT SAME DAYS, BANK PERSON SAID MY COMPLAINT WILL BE SOLVED WITHIN 45 DAYS,

    HOW LOWER MIDDLE CLASS PERSON CAN SURVIVE UP TO FOURT FIVE DAYS.

  57. Debasish Rath says

    I tried to withdraw Rs 8000 from the SBI ATM using my ICICI debit card as there were no ICICI ATMs in that remore area. It said that “SORRY UNABLE TO PROCESS”. Then I went to one more SBI ATM in same area and tried to withdraw Rs 7000. Finally I came to know that
    Rs.8000 + Rs 7000 = Rs.15000 was debited from my account. It happened on 6th April 09. Today is 14th April 09. I have lodged a complaint and I am waiting.
    I have kept my fingers crossed. Lets see what happens. But one thing is for sure that if something Negative happens then I am going to Consumer Court for this.

  58. Debasish Rath says

    I tried to withdraw Rs 8000 from the SBI ATM using my ICICI debit card as there were no ICICI ATMs in that remore area. It said that “SORRY UNABLE TO PROCESS”. Then I went to one more SBI ATM in same area and tried to withdraw Rs 7000. Finally I came to know that
    Rs.8000 + Rs 7000 = Rs.15000 was debited from my account. It happened on 6th April 09. Today is 14th April 09. I have lodged a complaint and I am waiting.
    I have kept my fingers crossed. Lets see what happens. But one thing is for sure that if something Negative happens then I am going to Consumer Court for this.

  59. Debasish says

    I havent got my money back.
    I am still waiting and its the 12 th day after ths happened.I dont have any options other than being optimist. I am following up with the bank poeople and I am in regular touch with them through mails.
    Lets See?
    Lets hope for the best?.@kenny -

  60. Debasish says

    I havent got my money back.
    I am still waiting and its the 12 th day after ths happened.I dont have any options other than being optimist. I am following up with the bank poeople and I am in regular touch with them through mails.
    Lets See?
    Lets hope for the best?.@kenny -

  61. Archana says

    @mohan

    Hi Mohan,
    I too faced a similar problem excatly a year after your’s,But the officer sitting in the INDIAN BANK premises at Srinagar Colony Branch in Hyderabad is Vaguely replying that he did not get any reply from the concerned HDFC counter parts at Chennai.
    PLEASE SUGGEST ME SOME TIPS TO GET BACK MY HARD EARNED MONEY(9000.00) AS THE STAFF AT INDIAN BANK IS NOT RESPONDING PROPERLY.
    I SINCERELY SUGGEST TO ALL OTHER CUSTOMERS NOT TO OPEN AN SAVINGS ACCOUNT AT INDIAN BANK ALL THRU OUR COUNTRY.

    ARCHANA–9963005954
    SAVINGS A/C NO:817317068
    SRINAGAR COLONY,HYDERABAD.

  62. Archana says

    @mohan

    Hi Mohan,
    I too faced a similar problem excatly a year after your’s,But the officer sitting in the INDIAN BANK premises at Srinagar Colony Branch in Hyderabad is Vaguely replying that he did not get any reply from the concerned HDFC counter parts at Chennai.
    PLEASE SUGGEST ME SOME TIPS TO GET BACK MY HARD EARNED MONEY(9000.00) AS THE STAFF AT INDIAN BANK IS NOT RESPONDING PROPERLY.
    I SINCERELY SUGGEST TO ALL OTHER CUSTOMERS NOT TO OPEN AN SAVINGS ACCOUNT AT INDIAN BANK ALL THRU OUR COUNTRY.

    ARCHANA–9963005954
    SAVINGS A/C NO:817317068
    SRINAGAR COLONY,HYDERABAD.

  63. saurabh says

    Hi Debashish & Deepak

    Exactly the same thing happened to me at SBI atm on 4th April 2009 , with icici debit card for an amount of Rs11000/- .About this fraud i got to know on 9th april & the same day i logged the complaint .Till today no response from the two banks.

    Please send me your mail-id to my mail id – [email protected] , i want to contact you
    personally on the same matter very very urgently.

  64. saurabh says

    Hi Debashish & Deepak

    Exactly the same thing happened to me at SBI atm on 4th April 2009 , with icici debit card for an amount of Rs11000/- .About this fraud i got to know on 9th april & the same day i logged the complaint .Till today no response from the two banks.

    Please send me your mail-id to my mail id – [email protected] , i want to contact you
    personally on the same matter very very urgently.

  65. Debasish Rath says

  66. Debasish Rath says

  67. JISS ABRAHAM says

    I am JISS ABRAHAM,having an account in SBT Kerala.I tried to withdraw an amount of Rs 4000/- from my account from KARNATAKA BANK ATM,Bangalore but the money never came out of the ATM. Then I checked the balance and it is short of Rs 4000/-.I request you to do look into the matter and give any advice to me if possible..

  68. JISS ABRAHAM says

    I am JISS ABRAHAM,having an account in SBT Kerala.I tried to withdraw an amount of Rs 4000/- from my account from KARNATAKA BANK ATM,Bangalore but the money never came out of the ATM. Then I checked the balance and it is short of Rs 4000/-.I request you to do look into the matter and give any advice to me if possible..

  69. mahesh says

    @Mahesh
    I got back the money after 20 days. Amount got credited to my account. Bank for safer side might you tell that it would take 45 days to reverse the transation but actually it will take only 20 – 25 days. just you need to lodge a complaint with the concerned bank’s authority and pressure them to get it done as soon as possible.

  70. mahesh says

    @Mahesh
    I got back the money after 20 days. Amount got credited to my account. Bank for safer side might you tell that it would take 45 days to reverse the transation but actually it will take only 20 – 25 days. just you need to lodge a complaint with the concerned bank’s authority and pressure them to get it done as soon as possible.

  71. Jobin says

    Hi,

    I also tried one transaction in HSBC atm via my HDFC card. But the transaction went timed out and the money was not credited to me. But the amount was deducted from my account. I registered a complaint in HDFC bank and their customer care. But the reply was very poor.

    It is about 5 day … I have kept my fingers crossed…. I think I lost my valuable amount… Now planning to complaint in Consumer court…..

  72. Jobin says

    Hi,

    I also tried one transaction in HSBC atm via my HDFC card. But the transaction went timed out and the money was not credited to me. But the amount was deducted from my account. I registered a complaint in HDFC bank and their customer care. But the reply was very poor.

    It is about 5 day … I have kept my fingers crossed…. I think I lost my valuable amount… Now planning to complaint in Consumer court…..

  73. Debasish Rath says

    Hello Friends…

    Fortunately i got back my money after a long struggle with the bank with phonecalls and mails after 30 days…
    My advice…
    1st Step : Just Register a complaints with the bank you deal with…
    2nd Steps : Dont leave them. Give calls and mail them regularly to keep a trace of whats happening on their side.

    You will surely get back your money.

    3rd Advice : Please dont try to withdraw money from your non-home branch.
    Its risky now a days.

    Regards
    Debasish Rath

  74. Debasish Rath says

    Hello Friends…

    Fortunately i got back my money after a long struggle with the bank with phonecalls and mails after 30 days…
    My advice…
    1st Step : Just Register a complaints with the bank you deal with…
    2nd Steps : Dont leave them. Give calls and mail them regularly to keep a trace of whats happening on their side.

    You will surely get back your money.

    3rd Advice : Please dont try to withdraw money from your non-home branch.
    Its risky now a days.

    Regards
    Debasish Rath

  75. JISS ABRAHAM says

    @Debasish Rath
    hello Debasish Rath, thankx for your valuable replay, but still i am confused.
    I made a complaint with my home branch, and should i want to give presure on them repetedly.??
    and in my case the error is between two different banks in two different states..!! so will it make the case more complex..
    Now 14 days over, nothing happnd in favour..
    please give more suggestios.
    thank You, JISS

  76. JISS ABRAHAM says

    @Debasish Rath
    hello Debasish Rath, thankx for your valuable replay, but still i am confused.
    I made a complaint with my home branch, and should i want to give presure on them repetedly.??
    and in my case the error is between two different banks in two different states..!! so will it make the case more complex..
    Now 14 days over, nothing happnd in favour..
    please give more suggestios.
    thank You, JISS

  77. Debasish Rath says

    Dear Jiss…

    Mine was also other state issue and of different bank…
    Its not a problem…If u have registered your complaint then keep on tracking of what is going on…Because its your right…One thing you must do is that keep the scanned copy of the ATM STATEMENT…
    They wont ask you for that..But if they ask then you should have a prove..

    For any clarifications you can mail me on
    [email protected]
    You can send in your cell number…We can discuss further..

    Take care
    Debasish

  78. Debasish Rath says

    Dear Jiss…

    Mine was also other state issue and of different bank…
    Its not a problem…If u have registered your complaint then keep on tracking of what is going on…Because its your right…One thing you must do is that keep the scanned copy of the ATM STATEMENT…
    They wont ask you for that..But if they ask then you should have a prove..

    For any clarifications you can mail me on
    [email protected]
    You can send in your cell number…We can discuss further..

    Take care
    Debasish

  79. Vimal Nautiyal says

    Hi!
    Same issue is happened with me. I am unable to get the money(10,000) Rs from the ALLAHABAD ATM MACHINE THorugh HDFC ATM CARD.and My money has been deduct from my HDFC account please tell me the forward path

    VImal nautiyal
    9336618122

  80. Vimal Nautiyal says

    Hi!
    Same issue is happened with me. I am unable to get the money(10,000) Rs from the ALLAHABAD ATM MACHINE THorugh HDFC ATM CARD.and My money has been deduct from my HDFC account please tell me the forward path

    VImal nautiyal
    9336618122

  81. Vimal Nautiyal says

    Hi!
    Same issue is happened with me. I am unable to get the money(10,000) Rs from the ALLAHABAD ATM MACHINE THorugh HDFC ATM CARD.and My money has been deduct from my HDFC account please tell me the forward path
    complian no.–26645025
    VImal nautiyal
    9336618122

  82. Vimal Nautiyal says

    Hi!
    Same issue is happened with me. I am unable to get the money(10,000) Rs from the ALLAHABAD ATM MACHINE THorugh HDFC ATM CARD.and My money has been deduct from my HDFC account please tell me the forward path
    complian no.–26645025
    VImal nautiyal
    9336618122

  83. Ashok Kumar singh says

    I used my HDFC Debit Card to withdraw Rs 15000 from an ICICI ATM located in Chhapara Bihar ( on 25th April 2009) After punching in my PIN and the amount to withdraw, the ATM worked on for a while and finally the Transaction was declined. I was stunned later to find that my account was debited with Rs 15000 even when the cash was not dispensed. I raised a dispute with HDFC bank ,They asked me to make a complaint and my money would be returned in 3-4 working days. After 3 days the HDFC employee called up to tell me that ICICI claims that the transaction to be valid and I will have to fill up another form called ” Card Dispute Form” which I did on 30thApril 2009 at HDFC Branch,Siwan Bihar, again I came at Panipat HDFC branch and lodge a complain on 11th May 2009 and a reply came through mail in HDFC Branch of Panipat that your Charge back Form got on 4th May2009 and your amount will be credited within 12 working days but till date I have not got my amount. Even whenever I discussed with HDFC employees (Panipat) they never give positive and satisfactory reply or always they make me hares.
    So, humbly I request to you that please cooperate me and find the perfect solutions because till now I am facing very big problem of my family and till now money is more necessary then my life.
    Again I am requesting to you sir, Please consider me your brother and my problem is your own problem and give the positive results. I am depending upon you not only I my whole family is depending upon you.
    Personally I would like to ask that if satisfactory solution will not come then either I should make the complain in Consumer Court or not.

    With Best Regards
    Ashok Kumar Singh
    A/C No. 02511050086219
    Contact No. +91 9896369678
    E-mail: [email protected]

  84. Ashok Kumar singh says

    I used my HDFC Debit Card to withdraw Rs 15000 from an ICICI ATM located in Chhapara Bihar ( on 25th April 2009) After punching in my PIN and the amount to withdraw, the ATM worked on for a while and finally the Transaction was declined. I was stunned later to find that my account was debited with Rs 15000 even when the cash was not dispensed. I raised a dispute with HDFC bank ,They asked me to make a complaint and my money would be returned in 3-4 working days. After 3 days the HDFC employee called up to tell me that ICICI claims that the transaction to be valid and I will have to fill up another form called ” Card Dispute Form” which I did on 30thApril 2009 at HDFC Branch,Siwan Bihar, again I came at Panipat HDFC branch and lodge a complain on 11th May 2009 and a reply came through mail in HDFC Branch of Panipat that your Charge back Form got on 4th May2009 and your amount will be credited within 12 working days but till date I have not got my amount. Even whenever I discussed with HDFC employees (Panipat) they never give positive and satisfactory reply or always they make me hares.
    So, humbly I request to you that please cooperate me and find the perfect solutions because till now I am facing very big problem of my family and till now money is more necessary then my life.
    Again I am requesting to you sir, Please consider me your brother and my problem is your own problem and give the positive results. I am depending upon you not only I my whole family is depending upon you.
    Personally I would like to ask that if satisfactory solution will not come then either I should make the complain in Consumer Court or not.

    With Best Regards
    Ashok Kumar Singh
    A/C No. 02511050086219
    Contact No. +91 9896369678
    E-mail: [email protected]

  85. shankar says

    Hi friends,
    I m from coimbatore.Same issue for me also.i am unable to get the money (Rs.14000)back from SBI.& it was passed a month & half
    & still i m wondering here & there to get the money back.The SBI branch manager is saying that he is still processing for my compliant whenever i go there & he has not received any reply from Bombay.Can anyone suggest me in this regard.

  86. shankar says

    Hi friends,
    I m from coimbatore.Same issue for me also.i am unable to get the money (Rs.14000)back from SBI.& it was passed a month & half
    & still i m wondering here & there to get the money back.The SBI branch manager is saying that he is still processing for my compliant whenever i go there & he has not received any reply from Bombay.Can anyone suggest me in this regard.

  87. RAMU. SIVA PRASAD says

    Hi
    I am Ramu.Siva Prasad, My Account No.30731305645(SBI), Branch Name:Sullurpet.
    I am also facing the same problem .Two months back i tried to draw 15000 from indian Overases bank ATM, But the ATM displayed “EQUIPMENT ERROR ” ,BUT 15000 LESS IN MY ACCOUNT.

    Immediately i Complaint to SBI manager ,he said u r money will recredit in you account it’s take time 20days. Now take time over still now it’s not getting money.

    How to getting money give me suggestions.

    Thanks,

    Regards
    Ramu. Siva Prasad
    Sullurpet,
    Nellore Dist.524 121

  88. RAMU. SIVA PRASAD says

    Hi
    I am Ramu.Siva Prasad, My Account No.30731305645(SBI), Branch Name:Sullurpet.
    I am also facing the same problem .Two months back i tried to draw 15000 from indian Overases bank ATM, But the ATM displayed “EQUIPMENT ERROR ” ,BUT 15000 LESS IN MY ACCOUNT.

    Immediately i Complaint to SBI manager ,he said u r money will recredit in you account it’s take time 20days. Now take time over still now it’s not getting money.

    How to getting money give me suggestions.

    Thanks,

    Regards
    Ramu. Siva Prasad
    Sullurpet,
    Nellore Dist.524 121

  89. Debasish says

    Dear Ramu…

    If its the case of SBI…Then either forget it or just keep knocking their door as frequently as you can..then only you may get some outcome…

    Please dont get disappointed by my advice..but its true…You will surely get it but you have to be very dedicated to get back..

    Thanks
    Debasish Rath

  90. Debasish says

    Dear Ramu…

    If its the case of SBI…Then either forget it or just keep knocking their door as frequently as you can..then only you may get some outcome…

    Please dont get disappointed by my advice..but its true…You will surely get it but you have to be very dedicated to get back..

    Thanks
    Debasish Rath

  91. venkatesh purohit says

    hey this has also happened for me trying to withdraw 15500rs from ing vysya bank from canara bank card.. amount was debited from my account but i didnt recieve any money..this has happened on 27 july 2009..still i am waiting for the money,,no hopes at all

  92. venkatesh purohit says

    hey this has also happened for me trying to withdraw 15500rs from ing vysya bank from canara bank card.. amount was debited from my account but i didnt recieve any money..this has happened on 27 july 2009..still i am waiting for the money,,no hopes at all

  93. says

    Reminder-I

    To,

    Sh. Rajesh Wadhwa
    Senior Vice President (Compliance)

    Sir,

    Sub: Complaint regarding debit of Rs. 20,000 from my Salaried Saving Bank Account
    No. 08801100006477 without my knowledge

    I beg to inform you that I am holding Salaried Saving Bank Account No. 08801100006477 with ATM Card No. 4902540880005430 (International Debit Card). On 17/10/2009 I went to Axis Bank ATM located at Rail Coach Factory for withdrawal the amount but when I processed after inserting ATM card the ATM machine has shown on the screen ” Sorry Wrong Password.” I again tried for the same transaction but second time also shown on the screen ” Unable to Process”. Then I used the PNB ATM card on the same ATM Machine and withdrew Rs. 5000/-.

    On 19/10/2009 in the morning time I have inserted the Axis ATM card in the Axix ATM Machine but ATM Machine showed the message “Unable to Process”.. Then I went to Axis Bank Branch located at Kapurthala and contacted the manager and informed him that my ATM card is not working properly and I want to make the Fixed Deposit of Rs. 1 Lac from my Saving Account. On checking the details of my account the manager informed me that the balance of my account is Rs. 81616/- instead of Rs. 1,01,616/-. He further informed me that the amount of Rs. 20000/- has been withdrawn on 17/10/2009 whereas I did not withdraw this amount from my account.

    I would request you that this matter may please be taken seriously and investigated how this huge amount of Rs. 20000/- was withdrawn without my knowledge and without using my ATM card. This gives very bad impression on our reputed corporate sector like RCF. Further I state that I am the oldest customer of your branch and I cannot expect such incident from your responsible branch.

    Yours truly,

    Babu Singh
    Qr. No. 672-E, Type II
    Rail Coach Factory,
    Kapurthala – 144602
    Contact No. +919779241650

  94. says

    Reminder-I

    To,

    Sh. Rajesh Wadhwa
    Senior Vice President (Compliance)

    Sir,

    Sub: Complaint regarding debit of Rs. 20,000 from my Salaried Saving Bank Account
    No. 08801100006477 without my knowledge

    I beg to inform you that I am holding Salaried Saving Bank Account No. 08801100006477 with ATM Card No. 4902540880005430 (International Debit Card). On 17/10/2009 I went to Axis Bank ATM located at Rail Coach Factory for withdrawal the amount but when I processed after inserting ATM card the ATM machine has shown on the screen ” Sorry Wrong Password.” I again tried for the same transaction but second time also shown on the screen ” Unable to Process”. Then I used the PNB ATM card on the same ATM Machine and withdrew Rs. 5000/-.

    On 19/10/2009 in the morning time I have inserted the Axis ATM card in the Axix ATM Machine but ATM Machine showed the message “Unable to Process”.. Then I went to Axis Bank Branch located at Kapurthala and contacted the manager and informed him that my ATM card is not working properly and I want to make the Fixed Deposit of Rs. 1 Lac from my Saving Account. On checking the details of my account the manager informed me that the balance of my account is Rs. 81616/- instead of Rs. 1,01,616/-. He further informed me that the amount of Rs. 20000/- has been withdrawn on 17/10/2009 whereas I did not withdraw this amount from my account.

    I would request you that this matter may please be taken seriously and investigated how this huge amount of Rs. 20000/- was withdrawn without my knowledge and without using my ATM card. This gives very bad impression on our reputed corporate sector like RCF. Further I state that I am the oldest customer of your branch and I cannot expect such incident from your responsible branch.

    Yours truly,

    Babu Singh
    Qr. No. 672-E, Type II
    Rail Coach Factory,
    Kapurthala – 144602
    Contact No. +919779241650

  95. Arnab says

    On 27th December I tried to withdraw an amount of Rupees Ten Thousand (10000/-) from Shyambazar Branch but the money did not come out of ATM machine and still the money is deducted from my balance.

    I lodged a complaint with customer care. The ATM is of same HDFC bank home branch. How long it takes to get the money back? Though the customer care personals say it is 3-4 days.

  96. Arnab says

    On 27th December I tried to withdraw an amount of Rupees Ten Thousand (10000/-) from Shyambazar Branch but the money did not come out of ATM machine and still the money is deducted from my balance.

    I lodged a complaint with customer care. The ATM is of same HDFC bank home branch. How long it takes to get the money back? Though the customer care personals say it is 3-4 days.

  97. Balgopal Singh says

    Another fool in a series with lossing 10020 rupees and just raising my blood pressure it is more than 50 days and cc have also closed the complaint without explanation, now i think to lodge a FIR of fraud and theft against terminal, ATM officer and GM and chair man of UBI.

  98. Balgopal Singh says

    Another fool in a series with lossing 10020 rupees and just raising my blood pressure it is more than 50 days and cc have also closed the complaint without explanation, now i think to lodge a FIR of fraud and theft against terminal, ATM officer and GM and chair man of UBI.

  99. amber says

    If i were you, i would not post your acct information online, this is probably why you are having problems with your account. this is begging for identity theft!

  100. Murali says

    Hi All,
    In reference with the above posting, i am facing the same issue currently.
    I did a transaction of amount 15500 with icici atm, it made me to wait for a while as how the transaction is going on but after sometime, it showed system error. then i tried with a diff machine then noticed my worst thing is, it got deducted and had no money in my account. i logged in the complaint with iccic ccare and they told within 24 hours it will get reversed and i called the ccare and they said it will take 7 working days. Now blinking too much whether i will get this money or not.
    ATM machines are too waste especially ICICI

  101. Tripathi John says

  102. Janet Olson says

    when i had this problem last week i was so confused what to do ? ehh well then my bro came up with this company and they solved my problems and yayy i was so happy http://bit.ly/9AmT7f

  103. says

    Okie..

    Here is my story..
    I live in bangalore, but I’m basically from Kerala…
    I’ve couple of accounts in which one of them was from State Bank Of Travancore (SBT) Kakkattil Branch…

    as many of you know, it’s very difficult to find a SBT ATM here in bangalore. But you can see SBI ATMs everywhere.

    on 18th of Jan, I was in SP road, bangalore buying a laptop for my friend, and I wanted to withdraw 40, 000 from my account (in which I had close to 1 lakh Rupees.)

    So, I went to the nearest SBI ATM, and tried to withdraw 20K. the display was showing “Processing your request” for sometime and turned to “Request Timed Out”.
    I got the slip with a status message something like “Unable to Process this request”. I tried to withdraw 10K next..but, the result was same… (so, total 30K)..
    The guys who used the ATM before and after me was complaining the same thing.

    I took both the slips and kept in my wallet (I knew, my friend’s dad faced the same trouble before)..

    later (after 10 minutes of walk) I was able to spot a CityBank ATM and did 4 transactions of Rs.10, 000 each. during those my current balance was printed as 90K, 80K, 70K and 60K… so, as per the last slip I got from the ATM, everything was well and good. so, I teared all the slips (including the “unable to process” ones from my wallet) in to pieces .

    I went back to home and logged into SBT online page. It was a shocking moment for me, My available balance was showing as 30, 000 (instead of 60, 000).. I tried to call the customer number given in the SBT page. The guy who attended the call asked me to goto the branch to give a complaint. He also told me that I’ve to do it with-in 14 days, otherwise I’ll loose the money.
    Next day morning, I called the bank branch manager and he was also saying the same.

    So, on 24th I went to branch where I’ve my account in. met the manager and he gave me a form to fill. I filled one for 20K transaction and 2nd for 10K transaction. and he asked me give him a reminder call on next monday. and he said it will take at-least 2 weeks and at-max 3 months (since I didn’t have my slips) to to get refunded.

    But, as a surprise to me the whole amount (30K) was credited back to my account on 29th of Jan.. in two installments as I tried to withdraw.

    so, guys.. don’t loose hope… goto the branch.. give them a complaint there… and disturb the bank branch manager every other day…
    you will get your money back…

    Thanks,
    AJ…

  104. Georgina_sorillo says

    how manny days to recieve money because my friend send me in my atm account he his from u.k

  105. Saravanan says

    As per RBI, Any uncontrolled behavior of ATM machines which cause money loss for the customer should be credited back in to their account with in the next 12 days of time from the complaint date, Failing the same Bank has to pay 100 Rupees fine for every day. This is the RBI rule, you can file a case in case concern Bank failed to do this….

  106. mangpreet says

    In my account of HDFC bank i have lose 500rupees cut from my account please tell me? the main reason behind it.

  107. Velliput says

    hi … please tell me that in my account the bank has withdrawing the 500 rupees from my account…

  108. mangpreet jaswal says

    i want to enter complaint about hdfc banking the bank was withdrawing the 500 rupees from my account 

  109. Ram says

    Same has happened to me few days back.  I filed the complaint through HDFC netbanking e-mail system and the response was quick.  They reverted back in 5-6 days with details that tells me my money will be deposited back within 7 working days after filing of complaint.  Still waiting.

  110. Srpsi says

    Alas I had read this article before as i am facing this problem now & havent kept atm slips with me

  111. Rajnish97 says

    my 20 thousands rupees has been withdrawn from hdfc bank ATM account at Katra (JAMMU)…
    So please tell me the what to do.??
    I am student and belongs from middle class family….
    my papa has deposited money for submission of tuition fees….!!!!

  112. sunitha says

      .from last four months  my atm not used.in that only 400 rups.that is student account.now i am cheking but  atm displys message ‘transation timed out.wat
    it means. 2 days back 5000 rupees trasfered to my account.plz tel me wat is the problem

  113. Manju says

    go to your account holding bank branch, give one written complaint, and give one written complaint in the police station as early as possibly, on this 2 basis you can approach to Consumer Forum.
    you can contact me for more detilesR.Manjunath Advocate Bangalore 9902765999  

  114. dinesh says

    is there any chance that our account balance(ICICI BANK) goes to negative balance if yes plese specify how?

  115. dinesh says

    is there any chance that our account balance(ICICI BANK) goes to negative balance if yes plese specify how?

  116. medo says

    same thing happend to me as well. i went to an axis bank to withdrew 2k . when i entered the amount , the transaction was processing. but after sometimes , it showed the transaction was cancelled. i tried the next atm machine and checked ma balance.i was shocked to see that atm machine was showing 2k was been debited by me.

  117. Riya says

    I just decided to give my inputs.
    I used my BOB card in IDBI’s ATM. No cash but money deducted. I contacted BOB customer care next day. They told me that i’ll get my money back within 7 working days. In 3 days, i got the money. No hassle at all. They even didn’t ask for the slip.

    Hope it helps.

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