Every now and then we have our bouts with technology and quite often it is intense. With Smartphones and all ultra smart gadgets we are flirting more and more with technology but the goddamn thing is a bloody infidel.
Recently, i had one such encounter.
I have an account in State Bank of India, Bangalore -Koramangla Branch. I tried to withdraw Rs.7500/- from a Karnatak Bank ATM in Madhapur, Hyderabad. The machine was a simple swipe and enter type. However, once i entered all my credentials and hit the button, the ATM went for a siesta. The goddamn thing did not buzz and i did not try to flirt with it. I waited patiently for almost 10 minutes. The machine was hung.
There was no guard, no one around. Considering that the time was around 10.30PM i did not have a queue in my trail. I did not know what to do, so i rebooted the machine (Just Switch Off and On the Power Button behind) I don't know if that was smart but i guess that was the only viable option.
After restarting the machine showed the message : Sorry for the Inconvenience- This ATM is not functional.
With a heavy heart i rushed to the nearby ATM and checked the mini statement. It showed that the amount had been deducted.
Now, under the circumstance i knew, the customer care is the best place to seek advice.
My mind was ablaze. I was scurrying for the toll-free number of SBI. My friend made the prompt suggestion to check the ATM. Now, for people like me- Please keep a not of this.
I called them. Now, the customer care service of SBI could easily qualify to be the worst around the country. The guy who took my call- told me within seconds of declaring my problem and giving him my card number that the amount had been credited back. BEWARE : These assholes do that just to cut some slack. Your money cannot be credited back unless you have registered complaint. DO NOT FORGET TO LODGE a COMPLAINT !!!
It was only after i had checked my internet Banking that i got to know the level of nonprofessional attitude the bank embraces.
However, the second time i insisted and got a complaint registered. I was informed that the money would be credited back within 7days and that i could check with the bank on the number - 567676 by sending a message with the following : ATM.
However, at the time of registering the complaint they will ask for your mobile number. Give the number that you are currently using(not necessarily the one provided for Internet Banking) because the details of the complaint as well as the status quo would be sent to that number.
The shocker came within 48hours when i got a message saying :
Dear Sir/Madam
Your complaint ATxxxxxxxxxxx28 has been attended to and closed after resolution. However, i did not see my cash flow back even after 2 days since the message.
I called the toll free number 1800 425 3800 again, but just got the taste of some more apathy.
That's when i did some research. Here i give you all a power packed information. There is a facility called -Banking Ombudsman. This body is there to ensure your money comes straight back to your pockets. According to the RBI, if the bank is not able to resolve and credit the amount back to your account wihin 7 days then it will have to pay a compensation of Rs. 100/- for every passing day. You can google it up.
However, i gulped my worries and decided to wait for the 7days to get over.
3rd day - NIL
4th day- NIL
5th _ Naah
6th day - towards the late evening, there was a transaction made to my account. My moolah was back. A deep breather and then a bottles clinked.
.
So use the tips and just relax. Your money won't go anywhere.
Recently, i had one such encounter.
I have an account in State Bank of India, Bangalore -Koramangla Branch. I tried to withdraw Rs.7500/- from a Karnatak Bank ATM in Madhapur, Hyderabad. The machine was a simple swipe and enter type. However, once i entered all my credentials and hit the button, the ATM went for a siesta. The goddamn thing did not buzz and i did not try to flirt with it. I waited patiently for almost 10 minutes. The machine was hung.
There was no guard, no one around. Considering that the time was around 10.30PM i did not have a queue in my trail. I did not know what to do, so i rebooted the machine (Just Switch Off and On the Power Button behind) I don't know if that was smart but i guess that was the only viable option.
After restarting the machine showed the message : Sorry for the Inconvenience- This ATM is not functional.
With a heavy heart i rushed to the nearby ATM and checked the mini statement. It showed that the amount had been deducted.
Now, under the circumstance i knew, the customer care is the best place to seek advice.
My mind was ablaze. I was scurrying for the toll-free number of SBI. My friend made the prompt suggestion to check the ATM. Now, for people like me- Please keep a not of this.
I called them. Now, the customer care service of SBI could easily qualify to be the worst around the country. The guy who took my call- told me within seconds of declaring my problem and giving him my card number that the amount had been credited back. BEWARE : These assholes do that just to cut some slack. Your money cannot be credited back unless you have registered complaint. DO NOT FORGET TO LODGE a COMPLAINT !!!
It was only after i had checked my internet Banking that i got to know the level of nonprofessional attitude the bank embraces.
However, the second time i insisted and got a complaint registered. I was informed that the money would be credited back within 7days and that i could check with the bank on the number - 567676 by sending a message with the following : ATM
However, at the time of registering the complaint they will ask for your mobile number. Give the number that you are currently using(not necessarily the one provided for Internet Banking) because the details of the complaint as well as the status quo would be sent to that number.
The shocker came within 48hours when i got a message saying :
Dear Sir/Madam
Your complaint ATxxxxxxxxxxx28 has been attended to and closed after resolution. However, i did not see my cash flow back even after 2 days since the message.
I called the toll free number 1800 425 3800 again, but just got the taste of some more apathy.
That's when i did some research. Here i give you all a power packed information. There is a facility called -Banking Ombudsman. This body is there to ensure your money comes straight back to your pockets. According to the RBI, if the bank is not able to resolve and credit the amount back to your account wihin 7 days then it will have to pay a compensation of Rs. 100/- for every passing day. You can google it up.
However, i gulped my worries and decided to wait for the 7days to get over.
3rd day - NIL
4th day- NIL
5th _ Naah
6th day - towards the late evening, there was a transaction made to my account. My moolah was back. A deep breather and then a bottles clinked.
.
So use the tips and just relax. Your money won't go anywhere.
