ATM problems : Tips from Mr. Subramani of Chennai

A Portuguese ATM running (or not) windows, in ...

Image via Wikipedia

One of our valued reader Mr.Subramani of Chennai, has left some important tips on handling ATM problem in our previous post. As we consider his suggestions are very useful, we are posting his comments as a new post. Thank you Sir.

It is true. I had a bad experience like this. I am Axis bank customer and approached an ATM of Axis bank at T.Nagar, Chennai in the month of June. Since, it was not working at that time, I used Union Bank of india ATM nearby. I requested Rs.25000/- from the ATM. But to my wilderness, the transaction failed with an error as "transaction declined" but my account has been debited. There is no complaint register, no security person.
I immediately informed both Axis bank customer care and Union Bank of India staff. My transaction was the last one for the day and ATM went out of order and I waited there for several hours hoping that some service engineer will visit and reveal what happened.
Union Bank advised me to approach only through Axis bank.
Customer care of Axis bank asked me to wait for 12 working days.
I lodged at the branch of Axis bank. They told me to wait for 40 days since it was a failed inter bank transaction.
I approached Banking Ombudsman of RBI, Chennai with a fax and sent a copy to Axis bank as well as Union Bank.
On seeing the developments, Axis bank immediately reversed the transaction taking a letter from me to withdraw the complaint.
It is a big ordeal for me and my family mentally.
The experience tells us to be careful while dealing with ATMs of other banks:
1) Don’t take big amount in one lot. Split it severally. You can transact them with a time gap also.
2) Keep the transaction slip carefully.  If problematic one, take xerox sufficient copies of the transaction slips since the details of the transaction slip will fade away in due course.
3) Immediately contact both the customer care centres and get a complaint id.
4) Lodge a complaint with the branch immediately.
5) RBI stipulates 12 working days for settlement. If not resolved, approach banking ombudsman of RBI with a copy to concerned banks.

Reblog this post [with Zemanta]


Post a Comment

All comments are moderated. Please post no spam

Disclaimer & Privacy Policies

(c) Mrs. Ruby Christy. This site and contents are owned by Mrs. Ruby Christy;
Use of this website and/or services offered by us indicates your acceptance of our Disclaimer& Privacy Policies.

Information and opinions provided on this website ( has been independently obtained from sources believed to be reliable. However, such information may include inaccuracies, errors or omissions. and its affiliates, information providers or content providers and R.John Christy and his Family shall have no liability to you or third parties for the accuracy, completeness, timeliness or correct sequencing of information available on this website or feeds, or for any decision made or action taken by you in reliance upon such information, or for the delay or interruption of such information.,its affiliates, information providers ,content providers and R. John Christy and his Family shall have no liability for investment decisions or other actions taken or made by you based on the information provided on this website. Any action you choose to take in the markets is totally your own responsibility. and R. John Christy and his Family will not be liable for any, direct or indirect, consequential or incidental damages or loss arising out of the use of this information. This information is neither an offer to sell nor solicitation to buy any of the securities mentioned herein. Opinions expressed by R. John Christy are his own and not of his past, present and future employers.
The DoubleClick DART cookie is used by Google in the ads served on this websites displaying AdSense for content ads. When users visit this website and either view or click on an ad, a cookie may be dropped on that end user's browser.
  • Google, as a third party vendor, uses cookies to serve ads on this site.
  • Google's use of the DART cookie enables it to serve ads to your users based on their visit to this site and other sites on the Internet.
  • Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
  • never collects any personal information of visitors.