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Your On lie complai nt on the same subject has been registered at this office and taken up for scrutiny.

GN Sarma
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04-May-11 file:///C:/Users/Hi madri/AppData/Local/IM/Runtime/Message/%7BC76D4980-0C90-4CB2-90E0-905F23...
P BO
________________________________
From: roamester@gmail.com[roamester@gmail .com]
From: roamester@gmail.com
Date: 06-May-11 2:27:11 PM
To: boguwahati@rbi.org.in
Subject: Fw: Re: Auto-Acknowledgment for disposed, Complaint NO. is 201011008000454
Today, I received a weird communication from your office as attached below: Since, the fact cited are not correct, my reply
along with, my attachments and submissions are
forwarded herewith, for your kind perusal.
Page1 of 4
06-May-11
reply@rbi.org.in
Date: 06-May-11 11:33:09 AM
To: roamester@gmail.com
Subject: Auto-Acknowledgment for disposed, Complaint NO. is 201011008000454
Complaint No. 201011008000454 got disposed, under Complainant advised that complaint is not maintainable: BOS
requirement not met: No representation made to bank 9 (3) (a)
Regards,
Banking Ombudsman
This is an auto-generated reply, kindly do not reply on this mail.
For online complaint register to Online Complaint Form
The e mail communication I received from your office:
-------Original Message-------
From: roamester@gmail.com
Date: 06-May-11 2:00:17 PM
To: no-reply@rbi.org.in
Subject: Re: Auto-Acknowledgment for disposed, Complaint NO. is 201011008000454
Date:06-05-2011
Respected Sir,
Your ground for rejecting my complaint is not valid. Since, in compliance with the clause 9(3), as per given screenshot
I have already made representations to the bank, as per copies of letters attached here again, for your perusal, which,
however, went without adequate response .If you go through attached record of correspondences between me and the bank,
you can very well see that, I have been praying for recourse with the defendant bank since, November 2010 and has
approached every step in their grievance redressing machinery.But the bank is not showing required seriousness to provide
suitable recourse.
So, sir, you are now requested to take up the matter, so that, justice is rendered to an bank account holder.
Regards.
Page2 of 4
06-May-11
Respected Sir,
In response to my 'on-line' complaint dated 29-04-2011 and 2-05-2011, regarding the captioned subject, I got i nformed by
a gentl eman who introduced himself as 'calling from banki ng ombudsman office' Guwahati,that, since, I am a staff
Page5 of 40
04-May-11 file:///C:/Users/Hi madri/AppData/Local/IM/Runtime/Message/%7BC76D4980-0C90-4CB2-90E0-905F23...
member of PNB I.e. the defendant bank, my complaint coul dn't be entertained.It appears weird to me, since, according to
the relevant laws, every grieved person suffering due to some deficiency in banking service meted to him, can lodge a
complaint to the 'banking ombudsman'. So, you are hereby requested to communicate this i n writi ng, through e mail, what
has been conveyed over telephone, along with relevant guideli nes.
An early action will be highly appreciated.
Regards.
Fr om: r oamest er @gmail.com
Dat e: 02-May-11 1:28:12 PM
T o: helppr d@r bi.or g.in
Cc: ushat hor at @r bi.or g.in
Subj ect : Rej ect ion of my complaint t o t he Ombudsman, Guwahat i, of my complaint about
wr ong debit of my account by PNB, over t elephone.
Dat e:02-05-2011
Respect ed Sir ,
I am an of f icer of ' PNB' . One of t he br anches of t he same br anch, I .e.PNB Le do,Ass am. Wr ongly
debit ed my cur r ent account wit h t he bank, by Rs 10000. Af t er appr oaching all t he channels of t he
bank f or get t ing my money back, I lodged a complaint t o t he banking ombudsman, Guwahat i, on line.
But , t oday, a gent leman t elephoned me and int r oduced himself as,' calling f r om t he banking
ombudsman of f ice, Guwahat i' and t old me t hat , my complaint cannot be ent er t ained by t hem since,
I am an employee of t he def endant bank. But sir , nowher e i t is ment ioned i n t he r elevant guidelines
and it has been st ipulat ed t hat , any per son gr ieved by any def icient ser vice met ed t o him can
apr oach t he banking ombudsman f or r ecour se af t er exhaust ing t he exist ing machiner y of t he bank
f or r edr ess al of gr ievance. Mor eover , t hat man claiming t o be someone f r om t he banking
ombudsman' s of f ice, didn' t give me any oppor t unit y t o elabor at e my point f ur t her and hang up in
t he midst of t he conver sat ion. Copies of r elevant paper s submit t ed t o t he BO is at t ached her ewit h,
f or your per usal.
Please assist me.
Wit h best r egar ds.
55/ 5 Churamoni Choudhury Lane(1st . f l oor)
P.O. Behrampore.PIN: 742101. Dist .Murshidabad.
West Bengal .
roamest er@gmail . com
9564280970
Page1 of 1
03-May-11
Fr om: r oamest er @gmail.com
Dat e: 02-May-11 12:53:07 PM
T o: code@iba.or g.in
Subj ect : Wr ong debit t o my account .
Dat e:02-05-2011
Respect ed Sir ,
Recent ly, my over dr af t account wit h PNB, Ledo, Assam,has been debit ed wit h Rs 10000, wr ongly.
So, I complained t o t he banki ng ombudsman, Guwahat i, f or
Recour se. T oday, weir dly, a gent leman f r o t he said of f ice, t elephoned meand t old me t hat , t hey
cannot t ake up my complaint since, I am an employee of t he
Same bank i.e. PNB. Please advise, t he cour seof act ion avaailable t o me since, it is a violat ion of
' code of commit ment t o cust omer s' .
Thanks.
55/ 5 Churamoni Choudhury Lane(1st . f l oor)
P.O. Behrampore.PIN: 742101. Dist .Murshidabad.
West Bengal .
roamest er@gmail . com
9564280970
Page1 of 1
03-May-11
From: roamester@gmail.com
Date: 02-May-11 10:42:20 AM
To: boguwahati@rbi.org.in
Subject: Reg: My complaint about wrong debit to my account, by PNB Ledo branch.
Respected Sir,
In response to my 'on-line' complaint dated 29-04-2011 and 2-05-2011, regarding the captioned
subject, I got informed by a gentleman who introduced himself as 'calling from banking ombudsman
office' Guwahati,that, since, I am a staff member of PNB I.e. the defendant bank, my complaint
couldn't be entertained.It appears weird to me, since, according to the relevant laws, every grieved
person suffering due to some deficiency in banking service meted to him, can lodge a complaint to
the 'banking ombudsman'. So, you are hereby requested to communicate this in writing, through e
mail,what has been conveyed over telephone, along with relevant guidelines.
An early action will be highly appreciated.
Regards.
55/5 Churamoni Choudhury Lane(1st. floor)
P.O.Behrampore.PIN:742101.Dist.Murshidabad.
roamester@gmail.com
9564280970
Page 1 of 1
03-May-11
Your Complaint has been Successfully Registered.
:: Complaint Form ::
Annexure 'A'
FORM OF COMPLAINT (TO BE LODGED} WITH THE BANKING OMBUDSMAN
(FOR OFFICE USE ONLY}
Complaint No Complaint unable to view
Date
Upload Files
To
The Banking Ombudsman
Reserve Bank of !ndia
Guwahati
Name & Address
Name of Complainant : Himadri Shekhar Bhattacharjee Complaint Category : !ndividual matter Personal
Email ID : roamester@gmail.com Telephone Number : 956+2809/0
Address Line 1 : 55by5 CHURANON! CHOUDHARY LANE 1st floor
Address Line 2 : KHAT!K TALA
Place : BERHANPORE District : NURSH!DABAD
State : West Bengal Pin Code : /+2101
Bank Details
Bank Account Category: ACCOUNT Bank Account Sub Category: CURRENT
Bank Account Number : 2+250093000022/6 Receipt Number :
Bank-Category : Nationalised Banks
Bank Name : PUNJAB NAT!ONAL BANK Bank Branch Name : LEDO
Bank Center, District & State :
L!DO
TOWN,T!NSUK!A,ASSAN
Bank Branch Category : Rural
Name of Nodal Officer : JANAK RAJ BSR Code : 0301+0901502+2
Bank Address : LEDO

Complaint Details
Date of Complaint : 29-Apr-2011
Subject :
20 => any other matter relating to the violation of the directives issued by the Reserve
Bank in relation to banking or other services. 8 (1) (u).
Reply From Bank: Have you made any written application to the bank? Yes
Whether bank has rejected the complaint? none

Have you received any reply within one month aft er the bank
accepted your representation?
none
Are you satisfied with the reply given by the bank? No
Amount Involved : 10000
Compensation
Amount :
500000

Comments :
The mentioned bank branch has made a debit of Rs 10000, without prior intimation to
me and now keeping mum against my several letters for furnishing adequate particulars
justifying the said debit and instead sent me a cursory letter stating that, the same has
been debited to recover one cheque purchased in my account. But, in that case, the
concerned cheque must have been dishounoured and it should have been sent back to
me. But the bank has not done so and instead kept mum, since, ! do no have any
outstanding on that account it seems that, somebody else's liability has been thrust upon
29-Apr- Reserve 8ank o lndia
secweb.rbi.org.in/8O/complLindex.hLm /2
Subject: Your complaint regarding wrong debit to my account
From: "complaint" <complaint@pnb. co.in>
Dat e: Fri, 15 Apr 2011 12:28:48 +0530
To: <roamester@gmail.com>
CCC:: 11
15.04.2011
Dear Sir,
Please refer to your email dated 09.04.2011 on the above subject. The said mail was also seen by CMD/ED.
In this regard, we may inform you that the matter is taken up with the concerned Circle / Branch and action taken in the
matter
will be informed to you by the Branch/Circle Office/our off ice shortly.
We express our regret for inconvenience caused to you.
We assure our best services always.
Thanking you,
Yours sincerely,
Manager
Customer Care Centre
Head Office
NEW DELHI
PNB'sO ering
"AVAIL OUR SECURE INTERNET BANKING FACILITY FOR 24*7 ACCESSTO YOUR PNB ACCOUNT"
For Det ails :
Contact :Toll Free No. 1800-180-2222 & Tolled No. 0120-2490000
Visit: www.pnbindia.in
DISCLAIMER:
The InformaNon transmiOedinthisemailissolelyfortheaddressee.ItiscondenNal and may be
legally privileged. Access to this email by anyone else is unaut horized. Any disclosure, copying,
distribuNon or any acNon taken by anyone other than by the intended recipient is prohibited and
may be unlawful. If you are not the intended recipient then kindly delete the mail from your
system.AnyopinionorviewsexpressedinthismailmaynotnecessarilyreectthatofPunjab
Your complaint regarding wrong debit to my account
1 of 2 17-Apr-11 6:05 PM
NaNonal Bank. The bank considers unencrypted email as an insecure mode of communicaNon.
Your complaint regarding wrong debit to my account
2 of 2 17-Apr-11 6:05 PM
Subject: Wrong debit my account
From: Himadri Shekhar Bha3acharjee <roamester@gmail.com> Date:
Tue, 12 Apr 2011 14:11:35 +0530
To: cmd@pnb.co.in
Dat e: 11- 04- 2011
Respec t ed Si r ,
As t he l ast st age i n my endeavour t o seek r ecour se f or ' wr ong debi t t o
my account ' , as per t he ' gr i evance r edr essal mechani sm' gi ven i n t he PNB websi t e, bef
or e appr oachi ng t he ' banki ng ombudsman' . I at t ach my
compl ai nt wi t h r el evant det ai l s, f or your ki nd per usal .
Hope t o be f avour ed wi t h your due consi der at i on.
Regar ds.
Hi madr i Shekhar Bhat t achar j ee.
E Mai l : r oamest er @gmai l . com
Mobi l e: 9564280970
wrong debit copy to CMD PNB1.pdf
Content-Type: applicaGon/ pdf
Content-Encoding: base64
Wrong debit my account
1 of 1 17-Apr-11 6:07 PM
My Letter to Smt. Sudeshna Sharma, GM
GMs Acknowledgement and reply to my email and my letter to the same.
My disagreement with the GMs observations and her reply to my e mail.
My letter to the Circle Head with a copy to the B/O Ledo.
E MAIL Sent to BO Ledo, with a copy to Circle Office
Read receipt of letters to circle office and B/O Ledo.
My complaint to BO Ledo, in official format.
My Reply to the circle offices letter full of abusive languages and threats.
Circle offices letter attempting at bullying without attempting to provide adequate recourse to me.

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