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In my PNB bank account, the bank has credited ₹8000 by NACH without my knowledge. What should I do?
If an unwarranted Rs 8000 credit appears on your account via NACH (National Automated Clearing House), here's what to do: 1. Notify Your Bank: Immediate action should be taken in order to notify your bank about an unauthorized transaction, providing all relevant details such as date and source of crRead more
If an unwarranted Rs 8000 credit appears on your account via NACH (National Automated Clearing House), here’s what to do:
1. Notify Your Bank: Immediate action should be taken in order to notify your bank about an unauthorized transaction, providing all relevant details such as date and source of credit.
2. Request an Investigation: Ask the bank to look into your case and reverse any unapproved transactions, since banks have procedures in place for dealing with fraudulent or erroneous credits.
3. Suit Up If necessary: If your bank is unresponsive and can’t resolve your issue, file a formal complaint with their customer grievance redressal cell, and escalate if necessary to higher authorities within their bank.
4. Take Action Externally: Seek help from external resources like the Reserve Bank of India Consumer Helpline or Banking Ombudsman who will investigate and ensure your bank takes appropriate actions.
5. Monitor Your Account: Regularly review your account statements to keep a lookout for any suspicious activities, as a close watch on it can quickly detect and address unauthorized transactions that arise in it.
Your bank is accountable for safeguarding the integrity of your account and rectifying any unauthorized transactions; acting quickly is key. Document all communications between yourself and them as soon as the issue arises and persist with follow up until resolution occurs.
See lessWhich credit card is better, SBI credit card or a Yes Bank credit card?
Hello, When choosing a credit card it is essential to consider several key components including interest rates, fees, rewards programs and terms of the agreement. SBI Credit Card: Earn five times as many Reward Points on dining, department store and grocery purchases with your card, up to 12,500 worRead more
Hello, When choosing a credit card it is essential to consider several key components including interest rates, fees, rewards programs and terms of the agreement.
SBI Credit Card:
Earn five times as many Reward Points on dining, department store and grocery purchases with your card, up to 12,500 worth annually! Collect up to 50,000 bonus Reward Points each year as annual spending milestones reach 3 and 4 lakhs respectively for extra points rewards!
Yes Bank Credit Card: Enjoy fuel surcharge waiver at fuel stations across India. Take advantage of a competitive 2.5% foreign currency markup. Plus, receive Credit Shield coverage up to Rs 2.5 lakhs should any accidental death occur among primary cardholders.
Overall, both cards offer similar benefits; with the main distinctions being SBI having higher joining and renewal fees while Yes Bank boasts higher interest rates.
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