Bank credited amount to wrong a/c despite mismatch of name

jitender (Querist) 04 August 2017 This query is : Open
Hi All,

I opened Capital gain account in SBI Sector 55 Noida , which was linked to my old dormant SBI saving account. Bank confirmed me your account will be transferred to this branch and will be active soon. I submitted request for transfer and transferred Rs 1000 to Saving account no. But bank said it will take more than month to transfer and they have sent request to branch.

Unluckily i was not having login and no active phone no was attached to my bank account. So i was not getting update. Bank issued a passbook which had two account no one was printed and other was hand written. I asked my Saving account no so bank employee wrote a wrong account no on my passbook detail page.

Now i deposited a cheque which was on my name and wrong account no. Despite of mismatch in name bank transferred the amount to wrong account. Other party withdrawn the amount and spent it. Bank is saying we are trying to get money from other party and will refund amount as soon as we received.

Other party returned 15 % of money and later refused to pay money. Police refused to file FIR of bank against third party. I went to police and police refused to file my FIR against bank. 15 % amount which bank has recovered is not transferred to my account.

i sent multiple mails to SBI AGM , DGM and chairman but no one replied. Online filed complaint got auto closed.

i am not aware this case should be filed in consumer court or District forum.
Need advice from expert what to do in such case.

Follow Query

Report Abuse

Advocate Bhartesh goyal (Expert) 04 August 2017
Approach to District Consumer Forum for deficiency in services of Bank and claim cheque amount with interst and compensation towards mental and physical agony.

Message likes : 1 times

Rajendra K Goyal (Expert) 04 August 2017
It is strange you relied on any handwritten account no said to be written by Banker when every thing is in CBS.

Account no. is not changed even if account is transferred to another Branch.

You can proceed to transfer your account to another Branch yourself if you are having internet Banking.

However, in this case by returning 15% of money Bank can not escape.

File consumer complaint against the Bank and the account holder in account of which money was credited.

You have written wrong account no. in deposit slip of the cheque.

P. Venu (Expert) 05 August 2017
The facts, as posted, are less than convincing!

jitender (Querist) 08 August 2017
I wrote wrong account no on Deposit slip not on cheque , There was no account no on back of Cheque.

jitender (Querist) 08 August 2017
P.Vinu -- Why less convincing. This is actual Fact. Can any one suggest good lawyer in noida. If some one can give me idea how long this kind of case takes to resolve in court.