Arrogant, Absurd and Unconstitutional Rules at Syndicate Bank, Chennai Egmore

I am a savings bank account holder at Syndicate Bank, Chennai Egmore. I am also drawing my monthly salary through Syndicate Bank, Chennai Egmore Branch. Due to a recent accident, I felt inconvenient to reach Syndicate Bank, Chennai Egmore for drawal of salary. So, I decided to change the Bank for the purpose of drawing my salary, to a convenient Bank near my residence.

However, our HR department, have asked me to produce a No-Dues Certificate from the existing Bank, namely, Syndicate Bank, Chennai Egmore Branch. This act by my Administration is to ensure that no liability exists with the Syndicate Bank, Chennai Egmore Branch, from where I am drawing salary till date. In fact, this helps the Syndicate Bank Administration, to collect any outstanding dues towards loans availed from them.

So, I submitted a request on 09th August, 2010 with Asst. Manager (Advances), Syndicate Bank, Chennai Egmore duly enclosing a proforma for certification of no-dues or liabilities. I did not request them to cancel my Savings Bank Account, but only asked them to provide me a No Objection Certificate for transferring the drawal of my salary through some other Bank. Please note that I have no outstanding loan liabilities with the Syndicate Bank, Chennai Egmore Branch as on date.

After asking me to wait for sometime, the Asst. Manager (Advances), Chennai Egmore Branch told that there was some technical problems for closing my Savings Bank account at Syndicate Bank, Chennai Egmore Branch. He asked me to come the next day. I told him that I do not want to close the Savings Bank Account at Syndicate Bank, Chennai Egmore, but only need a No Objection Certificate as I am not due to the Bank on date. However, the Asst. Manager (Advances) stated that No Objection can only be given when the Savings Bank Account with them is closed. He failed to outline the procedure for closure of my Savings Bank account.

When I went on 10th August, 2010, I was asked to submit my Passbook, for closing the Savings Bank account. I was not provided with any instructions regarding closure of Savings Bank Account and moreover, as I did not seek the closure of my Savings Bank account at all. I told them that I did not bring the Passbook along with me and I never wanted my Savings Bank account to be closed.

The Asst. Manager (Advances) and one of his sub-ordinate staff shouted at me stating that I wantonly failed to bring my Passbook. Then I told the Asst. Manager (Advances) that they should have given me proper instructions the day before. The reckless Asst. Manager (Advances) stated that for Railway Employees Savings Bank Account is permitted to be held active only when they get their salaries credited to Savings Bank Account at Syndicate Bank, Chennai Egmore Branch.

I wonder how this was justified and in fact it is contradicting the Constitutional provisions. Atleast, now the higher Syndicate Bank administrators, amend their arrogant, absurd and unconstitutional rules for operating Savings Bank Account at Syndicate Bank, Chennai Egmore Branch.

S.K. Indusekar
SB A/c No.60142010080328

To,
The Branch Manager
Syndicate Bank
Bhawanipur Branch
Kolkata – 700 020 Dated – 06th October, 2009

From :
Nishant Vasa
12A, Balaram Bose Lane
Bhawanipur, Kolkata – 700 020

Sub : Reversal of wrong debit to my A/C.No.9586/219/990

Dear Sir,
I Nishant Vasa having a savings account with your branch, my A/C.No. is 9586/219/990 am debited a unacceptable charge of Rs.85 dated 03.08.2009 agaist outstation cheque clearing of chq.no.878060 of Rs.708.69 which I had deposited in your branch for local clearing as the cheque mentioned above was an at par clearing to all HDFC bank branches in India. My deposit was in Kolkata in your branch and was supposed to be sent for local clearing to HDFC bank CMS branch kolkata which was by mistake sent to Rajkot HDFC bank for clearing by your branch employee andyou have charged me Rs.85 for outstation clearing charges.
When I complained about this to your branch I was told that the cheque which was deposited was an outstation cheque of HDFC bank. So, I requested HDFC bank to provide me a copy of that cheque which they honestly Emailed me the scan copy of that cheque and it is clearly written on top of the cheque that it is an at par clearing to all branches of HDFC Bank Ltd.Again when I went with the proof of scan copy of that cheque, one of your branch person explained me that some type of manupulation is done on the proof and is not a genuine proof .
I have attached herewith the copy of that cheque and my pass book Xerox for your reference and I hope that that the amount of Rs.85 will be credited to my account at the earliest.
Next time I hope that can procced my transactions in your bank smoothly without any such mistake by you as it kills my time and wastes my energy to write such a lengthy letter for any such clarification as this is not my job and I think that this matter could be processed without my written application and the revarsal could be made on my first complain to you when I had shown you the copy of the cheque which was deposited as a proof.
Hope for your co-operation and early response.

Yours truly,


(Nishant Vasa)

The ATM does not display the name of the cardholder. When my wife wanted to withdraw money, she accidentally inserted my card instead of hers in the ATM machine. It does not display the name of the card holder and hence she thought it was her card itself and punched her pin number. The machine swallowed the card. The staff gives back cards only the next day or late in the evening, although the ATM is attached to the bank. When asked the manager says "I cannot stop ATM operations for just one card." That is what this bank thinks of its customers, just one card, just one account, just one number. That is right, the customer is "just one number" for this bank.

In another incident, my card was swallowed by the ATM. I have three debit cards and frequently confuse the PIN numbers. At least the other bank ATMs display "incorrect pin" but this stupid bank's ATM machine simply swallows the card and we have to go begging for it from the rude and highhanded staff like Mr. Bhavi Ramdoss in Jayanagar Branch who thinks he is giving us money from his own pocket.

Also, this bank does not give us cards via post or courier upon expiry. One of my old relatives cards expired, and they asked her to come personally to the bank and collect it. When all private banks are sending the cards via courier, why so much penny pinching by this bank?? My old relative is bedridden and cannot come out of the house. She has to be carried physically into a car and then taken. It is very painful for her, but does the bank realize this - NO. For them it is always rules, rules, rules. These bankers come from South Karnataka district who think they are a cut above the rest of India for whatever reason. Big egos, small achievements, petty rules.

I got refund D.D of INR 1'50'000 from IDBI Delhi.This D.D was deposited on 24/01/07 in Syndicate Bank Millennium Branch Bhagpat road Merrut. I went several times to bank to get my entries updated in my passbook, but every time I was informed that printer is not working/server down etc.

Day before yesterday i.e 4/07/07 I needed some money so I went to bank and found that till the time my D.D amount was not credited in my account.When I enquired with concerned clerk,he replied the D.D was not processed by bank and was returned to me long back.

I was stunned to listen this as I had not taken back that D.D. He was adamant on this and shown his register. In register the entry was striked off by clark without my signature. Besides this he didn't given any information to me and behaved very rudely.

I had no other option so I went back to IDBI Delhi ,who issued that DD to me. After long harassment and hurdles I came to know that, already amount of D.D had been given to Syndicate bank on 27/01/07.

This was another shock to me as Syndicate Bank Clark was saying that DD was not processed and returned back,on the other hank issuing bank is saying amount is been cleared (Where the hell money has gone). When I yelled in Syndicate and shown all the info given by IDBI bank, then surprisingly Manager said money had reached.

I believe this whole propaganda was to steal my hard earned money, fortunately at the last moment I opened my eyes.