Fill in Wrong Bank Charges Refund Letter

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Wrong Bank Charges Refund Letter

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On what date do you sign this?Needed

A calendar date — the day, the month and the year. Dates in a document like this are read against one another, so a date typed here can change what another date is allowed to be.

For example: 16 November 2026

From which town or city do you send this?Needed

For example: Ludhiana

How will you send this?Needed

I am sending this by registered post with acknowledgement due.I am sending this by speed post and keeping the tracking report as proof of delivery.I am sending this by courier, against a signed and dated delivery receipt.I am delivering this by hand, against a signed and dated acknowledgement.I am sending this by email and keeping the sent copy as proof.

To which bank and officer is the letter addressed?Needed

For example: The Branch Manager, State Bank of India, Model Town branch

At what address is it sent?Needed

House / flat / plot no.

Street, sector or locality

City area and PIN code

Does the bank have a grievance email address for a copy?You may leave this

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: grievance@examplebank.example.com

What is your name?Needed

For example: Gurpreet Singh Dhillon

What is your address?Needed

House / flat / plot no.

Street, sector or locality

City area and PIN code

What is your email address?Needed

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: gurpreet.dhillon@example.com

What is your phone number?Needed

A number somebody can be reached on. Ten digits is the usual Indian form, and a country code in front of it is fine if you want it there.

For example: +91 98150 47731

What is this about, in one line?Needed

For example: Refund of wrong charges on savings account ending 3318

Which account is this about?Needed

For example: my savings account ending 3318

Which charges are wrong?Needed

For each entry: the date, the words in your statement and the amount.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: On 30 June 2026 and 30 September 2026, 590 rupees each, shown in the statement as "Non-maintenance of minimum balance"; and on 12 October 2026, 177 rupees shown as "SMS alert charges".

What is the total you want back?Needed

An amount in rupees. Commas and a ₹ sign are both fine — write it the way you would write it anywhere else, and the document is given the tidy form of it.

For example: 1357

Why do you say they are wrong?Needed

The reason in plain facts: what the account terms, the schedule of charges or your request say.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: My account was opened as a basic savings account, which carries no minimum-balance charge, as the account-opening form says. I never asked for SMS alerts.

When did you first notice the charges?Needed

A calendar date — the day, the month and the year. Dates in a document like this are read against one another, so a date typed here can change what another date is allowed to be.

For example: 14 October 2026

What have you already told the bank?Needed

Each earlier request: the date, how, and any reference number; write "None so far." if none.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: I raised it at the branch on 16 October 2026 and was told to write. I also phoned the helpline on 18 October 2026 and was given reference 55410.

Which papers are you enclosing?Needed

Number each paper. Send copies and keep the originals.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: 1. Statement of the account from 1 June 2026 to 31 October 2026 with the entries marked. 2. Account-opening form. 3. The bank's schedule of charges as printed on its website.

Who will hold the completed record?Needed

For example: Kuldip Singh Sandhu

Which email address should receive privacy requests?Needed

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: kuldip.sandhu@example.com

Do you consent to the personal-data handling described in this document?Needed

I consent to the collection and use described in the Personal Data NoticeI do not consent to the collection and use described in the Personal Data Notice

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A long blank line — __________ — stands wherever an answer has not been given. It is left that visible on purpose, so an unfinished document cannot be mistaken for a finished one.

No answer has been given, so every place a detail belongs is standing blank. The shape of the document is worth reading even now.

REQUEST FOR REFUND OF WRONG BANK CHARGES

Request to the bank to refund charges taken from my account

Date: __________, at __________

__________

To: __________, __________

From: __________, __________ (email __________, telephone __________)

Subject: __________

Sir or Madam,

1. My account. I hold __________ with your bank.

2. The charges. __________ The total is __________.

3. Why they are wrong. __________

4. What I have already done. I first noticed these charges on __________. __________

5. What I require. Please, within thirty days of receiving this letter: (a) refund __________ to my account, together with any tax or cess that was charged on these entries; (b) tell me in writing the basis on which each charge was levied, by reference to the bank's schedule of charges and my account terms; (c) make sure these charges are not applied again; and (d) tell me in writing the name of the officer handling this.

6. If you do not. If I do not receive a satisfactory written reply, I will take the complaint to the Reserve Bank's Ombudsman and, if needed, to the District Consumer Commission, and I will ask for interest and the costs of the complaint. This letter does not waive any of my rights.

ENCLOSURES

__________

LEGAL BASIS

Punjab and Chandigarh: A bank may levy only the charges that its own schedule of charges and the terms of the account allow, and the Reserve Bank of India's directions to banks on charges and customer service expect charges to be disclosed in advance and applied fairly. A bank's service to its account holder is a service under the Consumer Protection Act, 2019, so a complaint of deficiency can be taken to the District Commission, and the Reserve Bank's Integrated Ombudsman Scheme in force allows a complaint to the Ombudsman after the bank rejects the complaint or does not reply. No fee is payable on this letter.

PERSONAL DATA NOTICE

This notice is given under the Digital Personal Data Protection Act, 2023.

The purpose of collecting the personal data in this document is to identify the account holder, record the charges complained of, and let the bank check them and reply.

The record will be held by __________ and may be shared with the bank and its grievance officers, the Reserve Bank's Ombudsman, the sender's advocate, and any Commission or court that hears the matter.

If the matter does not proceed, the personal data will be retained for 90 days and then erased. If the matter proceeds, the record will be retained for the transaction or authority matter plus 12 months, except where a statute requires a longer named retention period.

A person named in this document may request correction or erasure where the purpose has ended, withdraw consent for future consent-based processing, or raise a grievance by writing to __________. The record-holder should acknowledge and reply within 30 days.

Data minimisation: this document does not collect a full Aadhaar number, an Aadhaar-card copy, a password or bank credentials.

Personal-data instruction: __________.

SIGNATURE

______________________________
Signature
Account holder: __________
Place: ____________________
Date: ____________________

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