Saturday, March 17, 2012

To the most disgusting bank, ever !



I am entirely frustrated by the turn of events. It’s been two years since I left my last employer and I am still struggling to get my PF. What have I been doing for the last two years is what you ask? Yeah I had a baby and he is going to be ten months old now, but in between all that I have been communicating with either my ex employer or my bank to get things done. Except when I was in the labor room.

This bank, basically a foreign bank, had a different name two years back, when a sales guy thrust those documents in front of me and asked me to sign them on my joining day at my ex employer’s. And lo and behold, I am an account holder ! And right there was my debit card, a customer relationship number, cheque leaves all neatly arranged in a file which looked as elegant as the Brittanica. All on the same day…or the same hour that I met them! I accepted the account without questions- well why would I - when I all I care about is the salary which has to get credited promptly by the end of every month.

Six months after I put down my papers, I randomly checked whether all is well at my PF processing. Then suddenly those guys came up with an excuse saying that the PF papers require a Rs.1 revenue stamp, signed across by yours truly, which was not in my submitted forms. I clearly remember submitting that when I was in India, and it was very obvious that these guys lost it. Then it took a few ISD calls, hunting for Re.1 Indian revenue stamp in a different country, signing it across and sending it by courier. Thankfully they acknowledged the receipt of the stamp and as instructed, I waited again for two more months and checked the status when they came up with a fresh excuse- cancelled cheque leaves are required. This time, my head fuming with rage, I applied for a cheque book to be delivered at my address. Then these bank guys said that the cheque book returned undelivered (My foot!). I updated my address ( added a spacebar to the existing one) and it got delivered the second time at the same address. This process took a lot of emails, phone calls to customer service and more importantly, two good months. Again the cheque leaves were sent to them and I ensured that all the documents were in place.

I waited another four months.

Suddenly one fine morning my Papa called me and said sadly that my account with this nasty bank is getting closed as there is no activity in it for the last two years. How did Papa come to know? Interesting question. The so called super bank's primitive website does not allow country codes other than +91 to be entered in the mode of communication tab and so, I was forced to give Papa's number there. So these brainless monkeys at the bank were actually communicating with Papa on my behalf - now that's what we call a secure modern age banking. 

I called these bank people, wrote emails – crispy and lengthy, I posted grievances saying-please do not close my account, as my PF is getting processed and I have given this account number in it– nothing happened. They said that as my salary stopped coming in, they converted my account into some other type (wth !) in which it required a minimum balance. How am I to know this, you bastards? They say they gave me a warning letter to my address, that account will be closed- which wasn’t delivered (because you dint send it, you useless creatures!). And one day they just closed it; which essentially also means that my PF will never get credited. All my other efforts to get the PF went down the drain.

 I emailed the branch head, node head, communication manager, everyone whom I could get an email of and pleaded them to reopen my account as my PF will be credited into it. They replied saying no, not politely though, with enough shameless lies about the phone calls and emails they sent which never reached me. However the courier saying that the account is closed reached me promptly…how madam? Your bank is just plain spiteful and I genuinely hope it closes down and you roam down the streets begging with your resume, you know that?

Anyway what lies ahead of me is a herculean task to download a fresh set of forms, fill them, attach revenue stamp and cancelled cheque leaves of a different account number. It will again take another year to get processed. I do not know how much I have in my PF, but mind you worthless fools, even if it is Rs.1, I am entitled to each and every paisa of it - as it is the fruit of my toil - which you disoriented dumb heads wouldn't know a shit about. Then I will send you an email, my dear ex-banker. I will also come to your office when I am in India, a couple of months from now, and give you an earful. 


14 comments:

  1. Which bank??

    though Its standard practice from banks to change account type in case its not salary account anymore. ( I know by experience)

    but not accepting an International number for communication I dint know earlier.

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    Replies
    1. Standard practice to change account type and maintaining minimum balance may be standard practice..but it needs to be informed, right ?

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    2. You know how customer care is in India.

      In fact, sharing information ( necessary one), this particular trait is ill founded.

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  2. Go Anita! Get them #$%^^Q^&s. This sounds horrible. My stomach started hurting just reading this nonsense. And, you have been living it. Keep you chin up and don't give up - I SAY MAKE THEM PAY!!!

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    Replies
    1. I will, GQ, I will..!!! I am not leaving any stone unturned this time!

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  3. common man's nightmare...best wishes buddy

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  4. Anita, its sad, and unfortunately, common now-a-days. You need to highlight the bank name and make sure they get some much-needed negative publicity! People around the world needs to know about such practices.

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    Replies
    1. Yes I should do that...will do in due course of time. Thanks, Binu.

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  5. Sad .. but ..
    You gave papa's number to bank :)
    Account will get closed if it is inactive and if minimum balance is not kept ( You have signed the doc :) ) ,They must have sent a monthly transaction record and alert to your email address ( if it was filled correctly )
    Most of Indian banks won't accept International mobile numbers .


    P.S I'm no banker

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  6. I feel so terrible for U Anita.......to think u have to go thru the whole process again. U go give them Hell girl.

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