The Scene

Consumer Voice - - Legal Matters -

Con­sumer fo­rums across In­dia have been re­ceiv­ing ATM-re­lated com­plaints – ma­chine mal­func­tion­ing, ac­count deb­ited with­out dis­pens­ing cash, fraud­u­lent with­drawals, debit card blocked with­out no­tice, card sucked in by the ma­chine, etc. In most cases, es­pe­cially in the case of fraud­u­lent with­drawals, banks have a stan­dard re­ply: Since the card is in pos­ses­sion of cus­tomer and only s/he knows the pass­code/pin, it be­comes their li­a­bil­ity to take care of it and bank has noth­ing to do with it. Hence, so far as the bank is con­cerned, the loss is all of the ac­coun­tholder and the bank can­not be booked for de­fi­ciency in ser­vices be­fore the con­sumer court. More­over, in many cases, banks turn a blind eye and refuse to ac­cept com­plaints in cases of fraud and ask the ag­grieved cus­tomer to go to the po­lice in­stead.

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