| Name of Complainant | |
| Date of Complaint | August 3, 2023 |
| Name(s) of companies complained against | Indusind Bank |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
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Dear Sir/Madam,
I hope this letter finds you in good health. I am writing to file a formal complaint against the staff members of Indusind Bank Girish Park Branch, regarding their deceptive practices and unprofessional conduct, which has caused me immense distress and financial inconvenience.
On 07/01/2023, I applied for a Zero Balanced Current Account with Indusind Bank, based on an advertisement I saw on social media. I was assured by Jeet Das, the Sales Manager at 9674994255, that I, as a small business owner, could avail a zero balanced current account without the need to pay for any devices or cards. However, upon receiving the joining money of 5000 rupees through a check from another bank’s current account, Suparna Das, the Marketing Agent at 8617486087, blatantly contradicted Jeet Das’s assurances, stating that such an arrangement was not possible.
Subsequently, on 11/01/2023, I received my Customer ID (64391747-UNIQUE) along with a Cheque Book in the Welcome Kit, delivered by Bluedart. On the same day, I also received my Merchant Account Application ID (5117634) via email (uniqueakas@gmail.com). On 12/01/2023, I received a Golden Visa Debit Card and my Net Banking Password for this account through Speed Post. Suparna Madam requested that I activate the Visa Gold Debit Card, as she assured me that my branch would be relocated to Shyambazar, a nearby location, to facilitate easy money transfer services.
To my dismay, on 14/01/2023, I received two SMS notifications stating that a charge of Rs. 354 per device had been deducted from my account for the installation of two POS machines. This information came as a shock, as both Jeet Sir and Suparna Madam had explicitly assured me that no unnecessary products, such as cards and machines, would be sent to me, and I would not be subjected to monthly or yearly rental charges.
On 16/01/2023, I received a Speed Post containing two Sound Boxes of Payswiff with two QR Codes from Indusind Bank. When I confronted Jeet Sir and Suparna Madam about their failure to keep their promises, they denied ever making such assurances and instead claimed that the deducted amount would be charged quarterly. They advised me to contact my Relationship Manager (RM) through the merchant customer care for a refund, assuring me that the amount would be refunded to my account balance.
In an attempt to close my account, I visited the Shyambazar branch, only to be informed that if I closed my account before six months, a disclaimer stated that Rs. 700 would be deducted from my new account. According to my understanding, as a new account holder, I have the right to close the account within 14 days of opening without incurring any penalties.
On 20/01/2023, I contacted Subhajit Das, whose number I obtained from the merchant care (7908111544), to address the issue. However, my attempts to reach him on 15/03/2023, 27/03/2023, 28/03/2023, and 01/04/2023 were consistently ignored, leaving me without a resolution.
In my pursuit of a resolution, I returned both sound boxes on 01/02/2023, as advised by Suparna Madam, to initiate the refund process. However, on 11/04/2023, Subhajit Sir informed me that he is not my RM and explained that the person who opened my account at my shop is my designated RM. Upon contacting Suparna Madam, she suggested that my RM details may have been officially changed in the merchant care system. Consequently, I called the merchant care once again to collect my new RM details and spoke to Dipraj Sikdar, the 2nd RM (8240165862), whose details were also provided by the merchant care. However, he confirmed that he had already resigned from his position. It was at this point that everyone involved confirmed that there is no official policy for refunding returned devices, despite this not being mentioned to me prior to opening the account.
On 27th June, Suparna Das informed me that she has also resigned from her position, and I was advised to send an email to merchant@indusind.com to seek a solution. However, despite my emails and attempts to communicate, I received no response. To exacerbate the situation, Jeet Das blocked my number as a means to ignore my attempts to contact him.
On 15th July, during a conference call with Jeet Das and Mithun Saha, senior of Jeet Das (9732018208), I was instructed to send a letter stating that my problem is resolved, under the threat of having one installment refunded and my account converted to a 25k maintenance account. Feeling tense about this situation, I withdrew the remaining amount through the ATM on the same day.
I kindly request the Consumer Forum’s intervention in this matter and seek your assistance in obtaining a full refund without any penalty charges. As a resolution, I request the amount to be transferred to my another savings account of Indian Overseas Bank Account Number- 051901000008746 and IFSC Code – IOBA000519.
I have attached supporting documents, including communication records and transaction details, to substantiate my claims. I am also willing to provide any additional information required to facilitate a fair investigation.
Thank you for your attention to this matter. I eagerly await your prompt response and a satisfactory resolution.
Yours sincerely,
Akash Das
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