RAMESH CHAND Vs. H D F C BANK

JUDGEMENT

(1.) THE complainant had a saving bank account in Krishna Nagar Branch of OP HDFC Bank. The manager of the OP Bank on 19.4.2009 telephoned the complainant to close his account. The complainant had issued some cheques and on 27.4.2009 when he went to Yamuna Vihar Branch for depositing some cash they declined to deposit it saying that he should approach Krishna Nagar Branch where the complainant has his account but that branch too refused to deposit the amount informing him that his account was closed. He thereafter approached the Bank Manager who issued him a notice on 27.4.2009 asking him to provide the bank certain details and thereafter on 19.5.2009 wrote to the complainant to utilize direct banking channels for utility payments, cash deposits/withdrawals and fund transfers, but declined to re -activate the account. The complainant therefore filed a complaint before District Forum against the OP Bank.

(2.) THE OP Bank opposed the claim and filed written statement pleading that as provided under the RBI Anti Money Laundering Guidelines, the Bank had conducted a review of all the accounts and observed that the volume of transactions in the account of the complainant with respect to cash withdrawals, deposits and cheque deposits, issued is very high and does not commensurate with the business conducted with the Bank.

(3.) THE District Forum dismissed the complaint of the appellant by passing the following order: