SUB: Complaint regarding “Irresponsible Behavior” of the Bank and “Utter Dereliction”

to redress the serious issue

Refs: Correspondence in the subjected issue:

1. That my client is an account holder in the State Bank of India bearing account no. A/c X0437 and
on August 14, 2022 my client i.e., Rakhi with her brother named Suraj chauhan was withdrawing
the money from the ICICI's ATM at Sector -46, Gurugram having ATM code no. SPCNH034 of
the amount Rs.10,000/- with the transaction number-222615002017and no cash came out ATM,
but the money was deducted from her account ON 14 August 2022 at 3:09 pm.

2. That my client has repeatedly complained both at 14 august 2022. However, she did not receive a
message with her complaint number and other details, and the bank did not take any action in
response as such which is a big loophole on banks part as well. She again complained on 27
August 2022 where she did receive the said text on 29 august 2022 at 12:21 AM with ticket no.
123420735 stating that the bank was not able to resolve the said query and requires more time
and that it will be resolved by 1 September 2022 in the State Bank of India, where she is the
account holder in the bank.

3. That on August 14, 2022, my client requested that the bank provide her with a copy of its CCTV
footage in order to verify that the money that was debited from her account had not been
withdrawn from cash; but, the bank did not either remedy the problem or offer her the film.

4. That she also made an attempt to solve the problem by contacting Industrial Credit and
Investment Corporation of India (ICICI bank), from which she withdrew the specified amount
using an automated teller machine (ATM). However, they did not take the issue seriously and
told her that she should only file complaints with the SBI Bank.

Respected Sir/Ma’am,

With reference to the captioned subject, we regret having to notify you of the unjustified atm withdrawal
and non-compliance of your bank, which is addressed in the subject heading. Since August 2022, we have
been enduring the present unreasonable problem. We developed a sense of someone being trapped in an
unreasonable conflict, with your reputable bank. The pertinent information required to provide remedy is
presented below:

1. That we have been enclosing all of the pertinent correspondence, from which you can deduce that
your bank and its employees portray a picture-perfect instance of their "Irresponsible Behavior"
and "Utter Dereliction" to redress such a serious issue, this is despite the fact that we have been in
contact with the bank's customer service representatives on multiple occasions.
2. However, we regret to notify you that we have still not received any communication from your
bank regarding any assurances and promises made regarding resolution and redress to be granted
by the bank and its respective personnel. We are writing to you for compliance of her money that
was debited on the 14th of August 2022, and it has been 3 months 11 days from the 14th of
August 2022 to the 24th of November 2022 without a valid or any response from bank we are
serving you the said notice for recovery of her money debited and compensation for damages.

3. That if any sum that was deducted must be credited to the client's account, as mandated by the
Reserve Bank of India (RBI), within seven working days of the customer making a complaint
about the deduction. In the event that this does not occur, the bank may be eligible to receive Rs
100 per day of delay.

4. That my client is liable for compensation of the amount of Rs.10, 000/- and the interest as such in
the amount of Rs.100 per day for each day that the delay occurred as per RBI notification which
is updated on 22 November 2022.In this case, it will Rs.10, 000/- of the said money debited with
interest of Rs. 9600 for 100 per delay from 21 august 2022 to 24 November 2022 and my client is
also liable for compensation in damages for harassment caused by banks for not resolving the
said issue and making her come every now and then for a very long time which itself is a
significant effort for as she has small children.

5. We do not have any reasons, findings and understanding that why such a reputed Bank like yours
does not do anything about such a big problem at your branches. Since the past few months, we
have observed that it is a complete failure on your part to provide resolution to the problem of
such grave nature as in our case. A Bank of such status should solve this problem. Banking is the
core of economy and integral part of the service industry, and if such conduct persists, it will
definitely affect your status, goodwill and eventually lead to a downside lane of no return

6. That my client is a hardworking and uneducated woman with limited funds for whom the debited
amount is a huge deal, and that the query should have been resolved as of now or we would have
to turn to RBI for help and guidance in this matter, and that by seeing her financial condition we
are also operating this case as a pro bono service to her for her convenience in order to
accommodate her needs.

7. I, Advocate Akhilesh, duly authorized by my client, Rakhi serves upon you this notice as final
and last available option to pay my client the aforementioned amount of Rs. 10,000 along with
interest @ 1.5% p.m. which shall be chargeable from the date of default. We request you make
the above-mentioned payment within 10 days from the date of receipt of this notice, failing which
we will be left with no other option than to initiate legal proceedings against you for the above-
mentioned amount legally owed by you to my client and also initiate any other Miscellaneous
proceedings against you in the competent court of law and in that event, you will be fully
responsible for all costs, risks, responsibilities, expenses and consequences thereof. A copy of this
Notice has been preserved in my office for record and future course of action.