Chandigarh: Bank fined ₹50k for ‘ruining’ Europe trip

The district consumer disputes redressal commission has imposed a penalty of ₹50,000 on RBL Bank Limited for deficient in services as it “ruined” Europe trip of one of its customer. With some international currency, a forex card issued by the HDFC Bank, he was also carrying a credit card issued by the RDL Bank Limited, having credit limit of ₹ 3.86 lakhs, to meet the expenses there. In reply, the RBL Bank Limited said the complainant never visited or raised his concern to designated officials for inability of credit card usage whereas the complainant wrote email only which was replied by call centre executive not by deciding authority that is top management of the bank. The district consumer disputes redressal commission observed: “It is obvious that the complainant had do suffer a lot of inconvenience and difficulty in making financial transactions in a foreign land due to the failure of the bank in activating the credit card of the complainant despite his making numerous requests, which cannot be justified by any plea of bank.” Stating that there is clear cut deficiency in service and unfair trade practice on the part of the opposite parties in not activating the credit card of the complainant for overseas transaction, which certainly has caused harassment, mental agony and loss to the complainant.