(important) Union Bank Charged my savings account for some PM yogna, without my consent at all.

Short Term Solution: Live with this charge 

Long Term Solution: Close the account and move to a private bank.

You created a URGENT post for 20 rupaiya?? Will you go bankrupt if they don't refund? 

Pls Don't misuse the forum, else it'll be like tiger story. 

Coming to your question.,

They won't refund this charge, just raise grievance complaint & get the scheme closed before renewal to avoid further deductions.. U can get the charge reversed but it'll take lot of time /followups, definitely not worth time for 20rs. 

Ps:I am not aware of any pm yojna with just  20rs charge, maybe 200+rs

IndianDimer wrote:

You created a URGENT post for 20 rupaiya?? Will you go bankrupt if they don't refund? 

Pls Don't misuse the forum, else it'll be like tiger story 

its not urgent for 20 rupees. While opening savings ac they insisted me for some 3-4 "PM and atal yognas" saying it is orders from govt to do so, which was bogus. even though i did not sign/submitted any govt yognas including this one, they did it deliberately.

Contact the bank through multiple portals regarding this, collect sufficient proof (Failing to register complaint / denying the incident / no resolution) and reach out to RBI Ombudsman. For wrong debits, you're entitled to get 100/150rs per day as compensation

ewater wrote:
its not urgent for 20 rupees. While opening savings ac they insisted me for some 3-4 "PM and atal yognas" saying it is orders from govt to do so, which was bogus. even though i did not sign/submitted any govt yognas including this one, they did it deliberately.

did they sent or asked you to send any message from your phone?

When and how u opened the account The bank ppl ticks this insurance column themselves
How many places u signed the application, did u read each one of that para whr u signed

They activate without consent just go to the bank and write an application to close all the schemes.

insta wrote:
When and how u opened the account The bank ppl ticks this insurance column themselves
How many places u signed the application, did u read each one of that para whr u signed

This is a known scam (mainly from PSUs), they just assume that majority won't check their bank statement or too lazy (like me) to get the charges reversed. SBI charged me for two consecutive years (Some ~100 insurance) sometime around 2014 and they stopped doing it after that (No complaint raised)

getready wrote:
This is a known scam (mainly from PSUs), they just assume that majority won't check their bank statement or too lazy (like me) to get the charges reversed. SBI charged me for two consecutive years (Some ~100 insurance) sometime around 2014 and they stopped doing it after that (No complaint raised)

Sbi still charging yearly 100 on my sis acc for some pa insurance
Needed the account in urgency and they plainly denied acc opening around 2015 without opting for 1 of the insurance.

getready wrote:

Contact the bank through multiple portals regarding this, collect sufficient proof (Failing to register complaint / denying the incident / no resolution) and reach out to RBI Ombudsman. For wrong debits, you're entitled to get 100/150rs per day as compensation

they are not registering any complaints in any form, thats the problem here, acting like a Mafia, even customers care are not listening or try to sell me this govt schemes saying how it is beneficial for you.

ewater wrote:
its not urgent for 20 rupees. While opening savings ac they insisted me for some 3-4 "PM and atal yognas" saying it is orders from govt to do so, which was bogus. even though i did not sign/submitted any govt yognas including this one, they did it deliberately.

According to Union bank policy, reversal of unauthorized/erroneous debits should happen instantly / max 7 days via investigation. Next time you contact them, show them this

If the Bank has raised an unauthorized / erroneous direct debit to an account, the entry will be reversed immediately on being informed of the erroneous debit, after verifying the actual position/reasons for same.
In case verification of the entry reported to be erroneous by the customer does not involve a third party, the Bank shall arrange to complete the process of verification within a maximum period of 7 working days from the date of reporting of erroneous debit.

insta wrote:
When and how u opened the account The bank ppl ticks this insurance column themselves
How many places u signed the application, did u read each one of that para whr u signed

I read every thing top to bottom, and I did not sign any such document at all. They are doing this fraudulent just for their commission.

saurabh1090 wrote:

Short Term Solution: Live with this charge 

Long Term Solution: Close the account and move to a private bank.

its not about 20 rupees charges, But they will charged again for other scheme even though i did not signup for that, thats the problem. And on top of that, rude behavior and not registering any complaints.

ewater wrote:
I read every thing top to bottom, and I did not sign any such document at all. They are doing this fraudulent just for their commission.

Complain to RBI if they r not responding For normal saving acc it shouldnt be there, Check what acc type they assigned

saurabh1090 wrote:

Short Term Solution: Live with this charge 

Long Term Solution: Close the account and move to a private bank.

nearby four banks namely, sbi, Union, uco, indian bank, all private banks moved somewhere else 3-4 year earlier, but will open in kotak bank soon, branch is 2-3 kms

insta wrote:
Complain to RBI if they r not responding For normal saving acc it shouldnt be there, Check what acc type they assigned

normal general savings account with 1000 rupees average balance. I went there to open zero balance savings account but they ignored it and opened this account.

insta wrote:
Sbi still charging yearly 100 on my sis acc for some pa insurance
Needed the account in urgency and they plainly denied acc opening around 2015 without opting for 1 of the insurance.

Union bank also did try with 3-4 govt insurance and denied to open any account. but after lot of fighting they did open savings account for me, but they still charged for which i did not submitted any documents

Ash-D wrote:
did they sent or asked you to send any message from your phone?

not at all

IndianDimer wrote:

You created a URGENT post for 20 rupaiya?? Will you go bankrupt if they don't refund? 

Pls Don't misuse the forum, else it'll be like tiger story. 

Coming to your question.,

They won't refund this charge, just raise grievance complaint & get the scheme closed before renewal to avoid further deductions.. U can get the charge reversed but it'll take lot of time /followups, definitely not worth time for 20rs. 

Ps:I am not aware of any pm yojna with just  20rs charge, maybe 200+rs

edited urgent. BTW what is tiger story

rs. 20 is for PMSBJ ( accident insurance). Not bad

ewater wrote:
not at all

Ohh then they might have done that via application like others suggested as I don't think they can put us on any scheme without our consent.

I've been a victim of that myself when I opening my Sbi account & they asked me to send a message for some activation but then I was charged ₹500 for sbi life insurance knowing rbi policy review rule I called sbi life later on to cancel the policy & got my ₹500 back too.

These bastards were doing that to everyone to achieve their targets & I am sure majority of them are still getting cahrged who never get to know what/why its being deducted or maybe not even if it's getting deducted at all.

ConfirmPassword wrote:

rs. 20 is for PMSBJ ( accident insurance). Not bad

Again its not about the amount, but the way things have been done, without any consent or confirmation, just like that.
what if they charged for another useless schemes.

Ash-D wrote:
Ohh then they might have done that via application like other suggested as I don't think they can put us on any scheme without our consent.

I been victim of that myself when I opening a Sbi account & they asked me to send a message for some activation later on I was charged ₹500 for sbi life insurance Knowing rbi policy review rule I called sbi life later on to cancel the policy and my ₹500 back too.

These bastards were doing that to everyone to achieve their targets & I am sure majority of em are still paying for them who never get to know what/why its being deducted or maybe not even if it's getting deducted at all.

have seen so many common people in union branch, they signed any document during account opening at the counter itself in a very sneeky way

Nik14 wrote:
They activate without consent just go to the bank and write an application to close all the schemes.

went to the branch, thery are saying its top orders from Some ministry and govt forced them to do this for all people irrespective of their consent.

went to the branch worte the applications mentioning all details and transaction. but the branch manager made jokes/fun of 20 rupees and all that, giving life advices and how govt take care of people and all nonsense. Didnot accepted application saying finances ministry have ordered them to do so for all people , even he himsself enroll for such yogans.

Getting it undone from branch is the only solution I can think of.

ewater wrote:
Again its not about the amount, but the way things have been done, without any consent or confirmation, just like that.
what if they charged for another useless schemes.

I share your agony, its cheating it hurts; does not matter Rs20 or 2K also
But I started to ignore/live with these type of things b'cos in digital India with many accounts and cards I see every now and then some deductions like SMS IMPS(although no charges mentioned AxisPriority) LPG Gas Checking Charges latest being SBI Rs118 says contact branch for details etc.. no time and patience
better close the account as they are too rude

caks2006407 wrote:
I share your agony, its cheating it hurts; does not matter Rs20 or 2K also
But I started to ignore/live with these type of things b'cos in digital India with many accounts and cards I see every now and then some deductions like SMS IMPS(although no charges mentioned AxisPriority) LPG Gas Checking Charges latest being SBI Rs118 says contact branch for details etc.. no time and patience
better close the account as they are too rude

"LPG Gas Checking Charges" Now this is absurd

10ven wrote:
Getting it undone from branch is the only solution I can think of.

so its gone now I guess.