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Submit your complaint →Harsh Tomar, an Operations Manager, raises a complaint against Fi Federal Bank for deducting Annual Maintenance Charges (AMC) twice in one year. Read how Choice4Voice.com can help resolve this unethical double deduction issue through RBI Ombudsman and Consumer Forum complaints.
Complaint Summary : Harsh Tomar vs Fi Federal Bank – Double Annual Maintenance Charge (AMC) Deduction Complaint
| Complainant Name | Harsh Tomar |
|---|---|
| Profession | Operations Manager (D2C, B2B & E-commerce) |
| Company | Fi Federal Bank |
| Issue | Double deduction of Debit Card Annual Maintenance Charge (AMC) |
| Amount Deducted Twice | ₹235 (March 2025) + ₹348 (November 2025) |
| Date of Second Deduction | 1 November 2025 |
| Resolution Sought | Refund of wrongly deducted AMC and systemic correction |
| Platform | |
| Original Post URL | LinkedIn Post by Harsh Tomar |
Detailed Complaint Overview
Harsh Tomar, an experienced Operations Manager in e-commerce and supply chain management, recently shared his frustration over double AMC deduction by Fi Federal Bank, a digital-first banking partner of Federal Bank.
In his detailed complaint, he mentioned that Fi deducted ₹235 in March 2025 as the Debit Card Annual Maintenance Charge (AMC) which was acceptable. However, just eight months later, on 1st November 2025, another ₹348 was deducted for the same AMC within the same financial year.
Despite reaching out to Fi’s customer support, Harsh received only automated, copy-paste responses with no genuine human intervention or corrective action. He emphasized that the issue is not about the amount, but about transparency, ethics, and customer respect.
This repeated deduction not only questions Fi’s internal billing system but also highlights the lack of effective escalation or consumer grievance redressal mechanisms within digital banking platforms.
How Choice4Voice.com Can Help
At Choice4Voice.com, we specialize in supporting consumers like Harsh Tomar who face unethical practices by banks and financial institutions. Our process ensures that your complaint is professionally drafted, legally supported, and amplified across digital and LinkedIn platforms to draw the company’s attention.
Here’s how we help:
- Complaint Verification: Our team verifies the complaint and ensures all transaction details are valid.
- Drafting Legal Complaint: A detailed complaint is prepared for submission to the Bank’s Nodal Officer, RBI Ombudsman, and Consumer Forum.
- Public Awareness: If unresolved, the case is published on Choice4Voice.com and shared on LinkedIn to put social pressure for resolution.
- Follow-up Assistance: We help track your case status and guide you until refund or redressal.
Legal Case Can Be Filed
Applicable Legal Cases
- Banking Negligence under RBI Guidelines
- Fi Federal Bank may be held accountable for violating RBI circulars on fair banking charges.
- Unfair Trade Practice – Consumer Protection Act, 2019
- Deducting AMC twice within a year without consent constitutes an unfair trade practice.
- Deficiency in Service – Section 2(11) of Consumer Act
- Failure to provide prompt response or refund violates consumer service obligations.
- Monetary Misappropriation under IPC 403 & 406
- Wrongful deduction of funds may invite penal action under criminal misappropriation.
Authorities Where Complaint Can Be Filed
| Authority/Department | Complaint Type | Official Website / Email |
|---|---|---|
| RBI Integrated Ombudsman | Wrong deductions / refund delay | https://cms.rbi.org.in |
| National Consumer Helpline | Unfair trade practice | https://consumerhelpline.gov.in |
| Consumer Forum (District) | Compensation & damages | https://edaakhil.nic.in |
| Federal Bank Nodal Officer | Banking grievance escalation | nodalofficer@federalbank.co.in |
| NPCI (FASTag & UPI related cases) | Digital transaction oversight | https://npci.org.in |
Step-by-Step Guide to File Complaint
Step 1: Write to the Bank
Email nodalofficer@federalbank.co.in with complete transaction details and screenshots of both deductions.
Step 2: Escalate to RBI Ombudsman
If no reply is received within 30 days, file your complaint at https://cms.rbi.org.in under “Unauthorized/Excessive Charges”.
Step 3: File Consumer Case
If the refund is still denied, submit a complaint via https://edaakhil.nic.in claiming refund + compensation for mental harassment.
Step 4: Amplify on Choice4Voice.com
Submit your complaint via our online form. Once verified, we publish it to create public accountability.
Pre-Drafted Complaint Templates
1. RBI Ombudsman Complaint (Sample)
Subject: Double Deduction of Annual Maintenance Charge by Fi Federal Bank
Dear Sir/Madam,
I am writing to raise a grievance against Fi Federal Bank for deducting Annual Maintenance Charges twice in one year (₹235 in March 2025 and ₹348 in November 2025). Despite repeated requests, the refund has not been processed.
Kindly initiate necessary action under RBI’s Integrated Ombudsman Scheme for reversal of unauthorized deduction.Regards,
[Your Name]
[Account Number / Registered Email ID]
2. Consumer Forum Complaint Template
Subject: Complaint against Fi Federal Bank for Deficiency in Service
I wish to file a complaint against Fi Federal Bank for deducting Debit Card AMC twice within the same financial year without consent. The issue caused financial and mental distress. I request refund of ₹348 along with compensation for inconvenience.
About Fi Federal Bank
Fi is a digital-first banking platform launched in partnership with Federal Bank, aimed at modern millennials. It offers zero-balance savings accounts, debit cards, and integrated UPI payment options. However, rising complaints about duplicate charges and unresponsive customer care have begun to tarnish its reputation in 2025.
Author Section
About Harsh Tomar:
Harsh Tomar is an experienced Operations Manager specializing in D2C, B2B, and e-commerce operations. Proficient in supply chain management, analytics, and financial process handling, Harsh has over a decade of experience working with leading retail and tech brands. His current focus is on optimizing operational efficiency using tools like SQL, Macros, and Advanced Excel.
Frequently Asked Questions (FAQ)
1. What should I do if my bank charges AMC twice in a year?
Immediately contact your bank’s nodal officer and request a refund in writing.
2. Can RBI take action against double AMC deductions?
Yes, under RBI Ombudsman guidelines, unauthorized charges can be reversed.
3. How long does a refund take once complaint is filed?
Usually within 7–30 days after acknowledgment by the bank.
4. Is Fi Federal Bank a part of Federal Bank?
Yes, Fi operates in partnership with Federal Bank under the digital banking model.
5. Can I get compensation for such deductions?
Yes, through Consumer Forum you can claim financial compensation.
6. What documents are needed to file RBI Ombudsman complaint?
Transaction statement, screenshots, complaint letter, and bank communication proof.
7. What if Fi support doesn’t respond?
Escalate directly to nodalofficer@federalbank.co.in or grievance@federalbank.co.in.
8. How does Choice4Voice.com help?
We verify, draft, and publicly publish consumer complaints for faster resolution.
9. Can double AMC deduction affect my account standing?
No, but it reflects poor banking ethics and system inefficiency.
10. Can I close my Fi Federal Bank account due to this?
Yes, customers have full right to close the account without penalty.
11. How to check if AMC is deducted twice?
Review your bank statement or Fi app transaction history.
12. What legal recourse is available for small amounts like ₹348?
Consumer Forum and RBI Ombudsman accept all monetary values.
13. How do I contact the RBI Ombudsman?
Visit https://cms.rbi.org.in and file online.
14. Does the Consumer Protection Act cover digital banks?
Yes, any bank or fintech registered in India falls under the Act.
15. How do I prove double deduction?
Provide screenshots of both debit transactions from your statement.
16. Is Fi Federal Bank refunding users proactively?
As per recent complaints, users are not getting automatic refunds.
17. Can I report this on Choice4Voice.com for visibility?
Yes, submit your case and we’ll publish it after verification.
18. How many others faced similar issues?
Multiple LinkedIn posts show recurring double deduction complaints in 2025.
19. Can NPCI intervene in such cases?
NPCI can assist if the transaction is related to UPI-linked cards.
20. What preventive step should customers take?
Regularly monitor your statements and raise disputes promptly.
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If you’re facing similar issues, submit your complaint today and let our platform help you fight for resolution.
