Bank Account Incorrect Credit of Funds Due to Account Linking Error

H

Hemanth Rangaiah

New member
Bank Name
Union Bank of India
Loss Amount
22606
Ratings
4.00 star(s)
Opposite Party Address
AKKUR RAMAKRISHNA BUILDING., 1ST FLOOR,B.M. ROAD, RAMANAGARAM DIST - 562159
I have been maintaining a savings bank account with Union Bank of India (UBIN0551732), Ramanagaram Branch - 562159, for over 12 years. Recently, I encountered a serious issue. A friend of mine transferred ₹20,000+ to my account via Google Pay. I received the standard SMS notification from the bank confirming the credit of the amount. However, the amount was never actually credited to my savings account.

Following this, I visited the branch in person and explained the situation to the bank staff. Upon investigation, I was informed that my mobile number is also linked to another savings account at the same branch. That account has been inactive for over five years, and the bank suspects that the other account holder may have previously used my number.

However, I would like to clarify the following points:
  1. My mobile number starts with a 6, which was the first series launched by Jio in December 2017. I was the original and first user of this number. It is not possible for someone to have used this number before me. To confirm, I even contacted the inactive account holder directly, who clearly stated that the number is not his.
  2. Coincidentally, if my account number starts with ‘1’, his starts with ‘0’. This indicates a possible technical or manual error on the bank’s side.
This appears to be a clear mistake or technical glitch from the bank’s end. Unfortunately, as customers, we are left to suffer the consequences of such internal errors.

Despite bringing this issue to the bank’s attention two months ago, and despite my family and I contacting the dormant account holder personally and convincing him to visit the bank and reactivate his account, the issue remains unresolved. He cooperated and submitted the necessary documents, yet the credited amount is still not reflected in my account.

We are forced to visit the branch almost daily, leaving our work and personal responsibilities behind, just to follow up. This is a matter that should have been promptly resolved by the bank staff, not the customers.

I kindly request urgent action to resolve this matter at the earliest.
 
Hello @Hemanth Rangaiah

I'm sorry to hear about the distressing situation you've encountered with Union Bank of India regarding the misdirected fund transfer. Based on your detailed account, it appears that a technical error led to the credit of ₹22,606 to an inactive account linked to your mobile number, causing significant inconvenience. Linking more then one account with a same number is very suspicious and bank need to clarify and solve this issue as early as possible.

Steps before filing case in the Consumer Forum​


1. Formal Written Complaint to the Bank
  • Compose a Detailed Letter: Draft a formal complaint addressed to the Branch Manager of Union Bank of India, Ramanagaram Branch. Include:
    • Your account details.
    • A clear description of the issue.
    • Chronology of events and interactions.
    • Evidence such as SMS notifications and any correspondence.
  • Submission: Submit the letter in person and obtain an acknowledgment receipt.
2. Escalate to the Bank's Regional Office
  • Contact Regional Office: If there's no resolution within 7-10 business days, escalate the matter to the bank's regional or zonal office. Contact details can be found on Union Bank's official website.
3. File a Complaint with the Banking Ombudsman
  • Online Complaint: If the bank fails to resolve the issue within 30 days, file a complaint with the Reserve Bank of India's Ombudsman through the Complaint Management System.
  • Documentation: Provide all relevant documents, including your complaint letter, bank responses, and any evidence of the error.

If the issue remains unresolved even after following the above steps, you have strong reason to file a case against them.
  1. Send a Formal Legal Notice:
    • Draft a legal notice detailing the issue, Union Bank of India's inadequate response, and your demand for the amount.
    • This can be done through a lawyer or by contacting our team that offer legal notice services.
    • Note: Always send notice via Registered Post only.
  2. File a Complaint with the Consumer Forum:

Legal Precedents Supporting Your Case​

Case Highlights

Delhi - North East - Union Bank of India V/S Shri Chahat Ram

The facts of the case as revealed from the record are that the Complainant is having a saving account bearing no. 645802010003533 with the branch and Opposite Party No.1 issued the debit cum ATM card bearing no. 4346586458003103 to the Complainant. On the intervening night of 22.07.21 and 23.07.21 the Complainant received an SMS on his registered mobile no. for an amount of Rs. 50,141.60/-. The Complainant was shocked as he neither withdrew the said amount nor shared the password and the debit cum ATM card was still in the safe custody of the Complainant. The Complainant immediately called the customer care number of bank but he could not connect with them as the server was busy. At that time, the Complainant was travelling to greater Noida to meet his daughter. The Complainant again called the customer care of the bank and blocked his debit cum ATM card. On 23.07.21 the Complainant had also filed an E-Police complaint at E-Police Station Khajuri Khas, North East, Delhi which was later on registered an E-FIR bearing no. NED-KK-000794. On 26.06.21 (24.07.21 and 25.07.21 was a public holiday due to forth Saturday and Sunday) the Complainant went to the Opposite Party No.1 bank to inform the fraud committed to with him but the officials of the Opposite Party No.1 did not entertain his compliant and asked to come tomorrow. On 27.07.21 Complainant again informed the Opposite Party No.1 regarding the fraud committed to him which was duly acknowledged by the Opposite Party No.1. The Complainant had issued a legal notice dated 05.08.21 to the Opposite Party No.1 and 2 which was duly served to the Opposite Party No.1 and 2 but the Opposite Party No.1 and 2 instead of making the payment to Complainant, had issued the vague reply dated 17.08.21. Hence, this shows deficiency in service on behalf of Opposite Parties. The Complainant has prayed for an amount of Rs. 50,141.60/- along with interest @ 18 % p.a. from the date of accrual i.e. 22.07.21 till the date of payment. He further prayed for Rs. 5,00,000/- for mental harassment and Rs. 55,000/- towards litigation cost.


Union Bank of India is directed to refund to the Complainant the amount of Rs.50,000/- towards disputed transaction amount along with interest @ 9% p.a. from the date of institution of the complaint till its recovery. The Opposite Party is further directed to pay Rs. 35,000/- towards compensation and litigation cost along with interest @ 9% p.a. from the date of this order till its recovery.

Union Bank of India V/S Shri Chahat Ram - Consumer Court Case - 2024-12-02

Consumer Court Case against Union Bank of India V/S Shri Chahat Ram - Consumer Court Case against - Union Bank of India
www.consumercourt.in www.consumercourt.in


Important Tip:
Before taking legal action, it is advisable to first send a legal notice to the Opposite Party.
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Note:
We can assist in:
  • Drafting professional legal notices.
  • Filing consumer complaints for deficiency in service.
Feel free to contact us if you wish to proceed with a legal notice draft or complaint preparation.

Regards,
Support Team
 
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