Bangalore District Commission Holds Union Bank Of India Liable For Failure To Refund Wrongfully Debited Money

Smita Singh

9 July 2024 1:45 PM GMT

  • Bangalore District Commission Holds Union Bank Of India Liable For Failure To Refund Wrongfully Debited Money

    The Additional District Consumer Disputes Redressal Commission-III, Bangalore Urban (Karnataka) bench of Shivarama K (President) and Rekha Sayannavar (Member) held Union Bank of India liable due to its failure to refund the money wrongfully debited from the complainant's bank account while attempting to withdraw from the bank's ATM. Brief Facts: The Complainant attempted to...

    The Additional District Consumer Disputes Redressal Commission-III, Bangalore Urban (Karnataka) bench of Shivarama K (President) and Rekha Sayannavar (Member) held Union Bank of India liable due to its failure to refund the money wrongfully debited from the complainant's bank account while attempting to withdraw from the bank's ATM.

    Brief Facts:

    The Complainant attempted to withdraw money from an ATM operated by Union Bank of India. He inserted his ATM card twice and attempted to withdraw Rs. 5,000/- and Rs. 3,000/-. Despite these attempts, no money was dispensed from the machine, yet the amounts were still deducted from his savings account. Despite numerous email correspondences with the bank, the Complainant didn't receive a satisfactory response.

    Feeling aggrieved, the Complainant approached the III Additional Bangalore Urban District Consumer Disputes Redressal Commission and filed a consumer complaint against the bank. The bank didn't appear before the District Commission for proceedings.

    Observations by the District Commission:

    The District Commission referred to the Xerox copy of the bank statement and noted that on April 26, 2023, amounts of Rs. 5,000/- and Rs. 3,000/- were deducted from the Complainant's account. The bench noted that the bank did not dispute this oral and documentary evidence. Therefore, the District Commission held that the error was on the part of the bank.

    Therefore, the District Commission directed the bank to reimburse the Complainant Rs. 8,000/- with an interest rate of 9% per annum. Further, the bank was ordered to pay Rs. 3,000/- as compensation for mental distress and litigation costs.

    Case Title: Sri. G. Puttaswamy vs The Manager, Union Bank of India

    Case Number: Consumer Complaint No. 347/2023

    Date of Order: 20.06.2024



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