By Admin 
- If there is no solution, complain to RBI Ombudsman.
ATM Users Alert: Today, many tasks related to banking have become easier than before. Earlier people had to visit banks for any small or big work. A lot of his time used to be wasted in this, but now things have changed a lot. Has it happened to you that you have gone to withdraw money from the ATM and your money gets deducted from the bank, but the cash is not withdrawn from the ATM, then it is obvious that anyone would get worried in such a situation. Many people feel that their money is stuck. But instead of panicking in such a situation, you should take right steps in time.
In such a situation it is necessary to do
- If money is not withdrawn from ATM then some things should be kept in mind.
- First of all, do not do repeat transactions.
- Check how much money is there in the bank account.
- This will let you know whether money has been deducted from your bank or not.
- If money has been debited from the account, then keep all the information related to the transaction with you.
- This includes the amount to be withdrawn, location of ATM, time of transaction.
- This information will be useful to you when you lodge a complaint.
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Inform the bank without wasting time
If the money is deducted and does not come out of the ATM machine, then contact the bank without wasting time. As soon as the complaint is lodged, a complaint number will be given by the bank. Keep this number safe with you, it is necessary to know the status of the complaint and take further action.
After receiving the complaint, the bank checks the ATM records and transaction logs. In this entire process it is ascertained whether money has been withdrawn from the ATM or not. If upon investigation it is found that money has been deducted from the bank account, but the money was not withdrawn from the ATM machine, then the money is deposited in the customer’s account.
It takes time to get refund
After complaining to the bank, in many cases the amount is returned to the bank account as soon as the investigation is completed. But if the refund is not received within the stipulated time, then the customer should contact the bank again and get all the information related to the refund.
The bank will have to pay fine
According to RBI rules, if money is not withdrawn from the ATM and is deducted from the account, then the bank has to return the customer’s amount after completing the investigation. But if the bank does not return the money within 5 working days, then the customer is entitled to compensation.
In such cases, the bank may have to pay a fine of Rs 100 per day to the customer. But keep in mind that the bank will give compensation to the customer only if the customer has lodged a complaint and has the reference number of the complaint.
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If there is no solution, complain here
- If the bank does not take any action even after complaining, then the customer can take some necessary steps.
- The customer can take recourse to the complaint redressal system of the bank.
- One can also complain under the Integrated Ombudsman Scheme of RBI.
Pay attention to some important things
If such an incident happens to you too, then first of all you should not panic. In such a case, the bank has to be informed immediately. In many cases the money is returned. If you give information to the bank in time, the chances of getting the money become greater.