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Submit your complaint →Union Bank of India customer, Mr. Venkata Phaneendra Choppara, reports an unauthorized deduction of ₹2,867 from his savings account, leaving his balance in negative. Read full complaint, possible causes, and legal remedies available under RBI and consumer protection laws.
Complaint Summary
| Particulars | Details |
|---|---|
| Complainant Name | Venkata Phaneendra Choppara |
| Bank Name | Union Bank of India |
| Branch | Kollapanaidupally, Chejerla (M), SPSR Nellore (D) |
| Account Type | Savings Account |
| Date of Incident | 13 October 2025 |
| Amount Deducted | ₹2,867 |
| Final Balance | Negative ₹947 |
| Nature of Issue | Unauthorized / Wrong Deduction |
| Complainant’s Contact | 6281078038 |
Full Complaint Details
Mr. Venkata Phaneendra Choppara, an MBA student and account holder at Union Bank of India, Kollapanaidupally Branch, has raised a serious issue regarding an unauthorized debit of ₹2,867 from his savings account.
On 13 October 2025, without any prior intimation or consent, the amount was deducted from his account, leaving him with a negative balance of ₹947.
Despite maintaining a positive balance, the account suddenly showed a negative figure, which led to confusion and distress. The complainant has clarified that no such transaction was initiated or approved from his side.
He has also attached a passbook copy and transaction screenshot as proof and requested the branch to investigate the cause of deduction and reverse the amount immediately if found to be an error.
Possible Causes of Unauthorized Deduction
Such cases can occur due to several reasons:
- Bank system error or technical glitch
- Wrong debit entry during reconciliation
- Uninformed loan recovery or EMI auto-debit
- Fraudulent transaction or unauthorized third-party withdrawal
- ECS or NACH auto-debit from linked accounts
Steps the Complainant Can Take
- Email the Branch Manager and Nodal Officer
Write to the branch manager explaining the situation with all documents attached. If unresolved, escalate to the Nodal Officer of Union Bank of India. - Register a Complaint on RBI’s Banking Ombudsman Portal
If the bank fails to resolve the issue within 30 days, you can file a complaint through the RBI Integrated Ombudsman Scheme portal:
🔗 https://cms.rbi.org.in - File a Complaint on Union Bank’s Official Grievance Portal
Visit: https://eremit.unionbankofindia.co.in or call customer care: 1800 22 2244 - Submit a Written Complaint to the Bank’s Head Office
Send a formal letter with evidence (passbook copy, transaction screenshot, ID proof) requesting reversal. - Escalate to the Consumer Forum
If still unresolved, file a case at the District Consumer Disputes Redressal Commission for compensation and mental harassment.
Legal Options and Applicable Sections
| Legal Remedy | Authority / Law | Purpose |
|---|---|---|
| RBI Ombudsman Complaint | RBI Integrated Ombudsman Scheme, 2021 | To get refund and redressal for unauthorized deduction |
| Consumer Forum Case | Consumer Protection Act, 2019 | For compensation due to deficiency in banking service |
| Cybercrime Complaint | cybercrime.gov.in | If transaction suspected to be fraudulent |
| Police FIR | Local Police Station | For immediate investigation of unauthorized transaction |
Sample Complaint Email to Union Bank
Subject: Unauthorized Deduction of ₹2,867 from Savings Account No. [last 4 digits]
Dear Sir/Madam,
I am writing to report an unauthorized debit of ₹2,867 from my account on 13/10/2025. The transaction was not initiated by me, and my balance has turned negative by ₹947.
Kindly investigate and reverse the transaction immediately. Please find attached my passbook copy and transaction screenshot for your reference.
Regards,
Venkata Phaneendra Choppara
Account No: [last 4 digits]
Mobile: 6281078038
How Choice4Voice.com Can Help
At Choice4Voice.com, we assist consumers like Mr. Venkata Phaneendra Choppara in getting their voices heard when banks and companies ignore valid grievances.
Our platform helps:
- Draft professional complaint letters
- Escalate unresolved cases to the RBI Ombudsman or Consumer Forum
- Create awareness by publishing verified complaints online
- Support in preparing documents for legal submission
If your bank has wrongfully deducted money or ignored your refund requests, you can submit your complaint on Choice4Voice.com and get your issue highlighted publicly.
Frequently Asked Questions (FAQs)
Q1. What should I do if money is deducted from my Union Bank account without my consent?
You should immediately contact your branch and register a complaint through their official portal.
Q2. How long does Union Bank take to resolve unauthorized deduction issues?
Usually within 7–10 working days, but legally up to 30 days.
Q3. Can I approach RBI if my complaint is not resolved by the bank?
Yes, after 30 days of no resolution, you can file on the RBI Ombudsman Portal.
Q4. Will the deducted money be refunded?
If the transaction is proven unauthorized, the bank must refund the full amount with interest.
Q5. Is negative balance legal in savings accounts?
Only in specific loan-linked or overdraft cases. Otherwise, it may indicate a system error.
Q6. What documents should I attach when filing a complaint?
Passbook copy, transaction screenshot, ID proof, and previous communication with the bank.
Q7. What if the deduction is due to fraud?
Immediately report it to https://cybercrime.gov.in and file an FIR.
Q8. Can the Consumer Forum order compensation?
Yes, for financial loss, harassment, and deficiency in service.
Q9. Who is the Nodal Officer of Union Bank of India?
The updated contact list is available at: https://www.unionbankofindia.co.in
Q10. How can Choice4Voice.com help me in my bank complaint?
Choice4Voice.com assists in drafting, escalating, and publishing your case to attract public and regulatory attention.
Q11. Can I complain on social media?
Yes, tagging @UnionBankTweets on X (Twitter) often speeds up responses.
Q12. Is RBI Ombudsman service free?
Yes, there are no fees for filing a complaint.
Q13. Can banks deduct money for technical errors?
No, such deductions must be reversed immediately upon verification.
Q14. What is the RBI rule for wrongful debits?
As per RBI Circular DBOD.No.Leg.BC.59/09.07.005/2006-07, banks must refund wrongful debits promptly.
Q15. What if I ignore such unauthorized deductions?
Ignoring may lead to more losses; report immediately.
Q16. Is it possible the deduction was due to an ECS or auto-debit?
Yes, verify your linked mandates before confirming fraud.
Q17. Can I check transaction logs myself?
Yes, through Union Bank’s internet banking or mobile app.
Q18. What if the branch manager doesn’t respond?
Escalate to the Regional Manager or Nodal Officer.
Q19. What if I need help filing the RBI complaint?
Choice4Voice.com can assist in preparing the correct documentation and filing format.
Q20. Can I request compensation for mental harassment?
Yes, under the Consumer Protection Act, you can demand compensation for harassment and negligence.
