BANK OF MAHARASHTRA AND ORS. Vs. SUKHWINDER KAUR

JUDGEMENT

(1.) The complainant opened a saving bank account with the petitioner bank on 25.04.2011. The case of the petitioner bank is that at the time of opening the account a kit containing cheque book, ATM/Debit Card as well as ATM Pin was delivered to the complainant. The case of the complainant on the other hand is that neither she applied nor was she issued ATM/Debit Card or any ATM Pin.

(2.) There were four withdrawals for a total sum of Rs.23,000/- made from the account of the complainant using the ATM Card alleged to have been issued to her. The complainant however disputed the aforesaid transactions claiming that she had not made the aforesaid withdrawals. She also reiterated that since no ATM Card had been issued to her, there could be no question of withdrawal from her bank account. Since the bank declined to credit back to the aforesaid amount, the complainant approached with the concerned District Forum by way of a complaint.

(3.) The complaint was resisted by the bank primarily on the ground that the ATM/Debit Card as well as ATM Pin were issued to the complainant along with a cheque book and she had received a kit containing all these documents/articles under her own signatures.