A district consumer forum directed the Arumbakkam branch of Canara Bank to pay the compensation for wrongly dishonoring the ATM-cum-debit card of a customer. The bank has been asked to pay Rs 50,000 compensation to a customer for deficiency in service.
Arumbakkam branch of Canara Bank an account holder had filed the complaint in which he stated about the incident. The incident occurred on May 20, 2005 when she went to Mumbai. She wanted to do payment of her purchases through her debit card as she had Rs 68,605 in her account, but her card displayed zero balance in the account, was dishonored.
Due to this incident she had to face mental agony therefore she moved the District Consumer Disputes Redressal Forum, Chennai (South), seeking compensation.
In its defense, the bank said the complainant might have not used the card properly and hence it was dishonored. However, the bank had apologized to the complainant for the embarrassment caused and argued that there was no deficiency in service on its part.
But the forum refused to accept this argument. On examination of the case, the forum found, "The contention of the bank is not acceptable as in its reply to the complainant; the bank had categorically admitted that due to technical reasons the card did not work at that particular time. The bank did not file any documents to disprove the case of the complainant.''
Maintaining the bank responsible for deficiency in service, the forum asked it to pay Rs 50,000 compensation along with Rs 3,000 as case expenditure to the complainant within six weeks time.
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