A private bank was directed to provide compensation to a Sector 21 resident for making wrong deduction from his savings account in the name of “service charges”, while holding the bank deficient in rendering services.
District consumer disputes redressal forum, while disposing off a consumer complaint filed by Sector 21 resident, Rajesh Garg, has directed Standard Chartered Bank, Sector 9 to pay Rs 5,000, as compensation for failing to provide “proper service”.
The consumer forum, while directing the bank to compensate the customer observed, “the act of the bank debiting his account amounts to deficiency in service. Crediting back the account may attract leniency, however, that does not absolve the bank of being deficient in rendering proper service.”
Garg, in his complaint with the consumer forum said that he was maintaining a savings bank account with the bank. He alleged that the bank in November, 2011, debited a sum of Rs 1,654 from his account.
In his complaint Garg said that the bank told him that keeping in view the quantum of deposits, his account was treated as a privileged customer account and as he did not maintain certain minimum balance thus the charges were levied.
Garg, who had never written to the bank to treat his account as privileged customer account sought reversal of the amount deducted, which the bank did.
However, Garg alleged that the bank again deducted the amount in March, 2012, but did not reverse the same.
The bank seeking dismissal of the complaint said that Garg's account was upgraded to a preferred banking account, in which certain privileges were offered to him for free of cost until November, 2010.
However, the bank said that effective from November, 2010, certain charges have been levied towards maintaining the account, which was duly communicated to all customers and the same was uploaded on the website as well.
The bank denied any deficiency in services and claimed that the amount deducted was reversed both times.