Regarding refund of interest amount deposited in gold loan account.
- Thread starter KUNDAN
- Start date
-
- Opposite Party Name
- bank maneger bom chikhalgaon wani
KUNDAN
New member
Res. Sir,
Please,Read Carefully Attached File.Keeping in view the seriousness of the matter,According to the gold loan statement, it appears that the transaction records have been complicated and unclear. It also appears that there is no transparency regarding these records, but rather, there has been a lot of confusion.
I request that the credit and debit transaction records in the attached Gold Loan Account Statement be thoroughly verified and investigated and that justice be done to me. I humbly request that the half-yearly interest amount of Rs. 10621 deposited in the Gold Loan Account be accepted and returned to my saving account.It is important to resolve customer concerns and ensure satisfaction.I am waiting for positive result.
Your Faithfully
Kundan A. Gaurkar
Gulmohar Park, Wani
(9021054091)
Please,Read Carefully Attached File.Keeping in view the seriousness of the matter,According to the gold loan statement, it appears that the transaction records have been complicated and unclear. It also appears that there is no transparency regarding these records, but rather, there has been a lot of confusion.
I request that the credit and debit transaction records in the attached Gold Loan Account Statement be thoroughly verified and investigated and that justice be done to me. I humbly request that the half-yearly interest amount of Rs. 10621 deposited in the Gold Loan Account be accepted and returned to my saving account.It is important to resolve customer concerns and ensure satisfaction.I am waiting for positive result.
Your Faithfully
Kundan A. Gaurkar
Gulmohar Park, Wani
(9021054091)
Hello @KUNDAN
Before proceeding further, we recommend that you first send an email to the customer care department of the Bank of Maharashtra , clearly outlining your concerns and requesting to provide clear statement.
This step not only gives the company a chance to address the issue but also helps strengthen your case if you decide to file a complaint with the Consumer Forum later.
Please wait for a reasonable time for their response. If they do not respond or fail to resolve the matter satisfactorily, feel free to reach out to us again. When you do, kindly include a copy of your email to them and any response (if received), so we can guide you on the next steps.
Before proceeding further, we recommend that you first send an email to the customer care department of the Bank of Maharashtra , clearly outlining your concerns and requesting to provide clear statement.
This step not only gives the company a chance to address the issue but also helps strengthen your case if you decide to file a complaint with the Consumer Forum later.
Please wait for a reasonable time for their response. If they do not respond or fail to resolve the matter satisfactorily, feel free to reach out to us again. When you do, kindly include a copy of your email to them and any response (if received), so we can guide you on the next steps.
KUNDAN
New member
Respected Sir,
I had mailed to the Customer Care Service Center of Bank of Maharashtra Department on 27/11/2025. But they have not given any reply till now. The Honorable Branch Manager Bank of Maharashtra Chikhalgaon, Wani has not given a satisfactory reply. And I do not accept it. Even though the transaction record in the gold loan statement shows that I paid the half-yearly interest through Maharashtra Bank's Maha Mobile Plus online app on 15/05/2025, they are not ready to return the gold loan interest.
I have paid the gold loan interest amount for sure. As per the gold loan statement, the transaction record on 15/05/2025 was investigated impartially, transparently and thoroughly from our level and the interest amount was returned to me. Please hope that I get justice. The necessary letter is attached.
Your Faithfully
Kundan A Gaurkar
Gulmohar Park, Wani
9021054091
Attachments
KUNDAN
New member
Sub.-Regarding refund of interest amount deposited in gold loan account.
Respected Sir,The gold loan account statement shows a transaction entry dated 15/05/2025 for Rs. 10621.94, representing the half-yearly interest amount I deposited. It appears that the Branch Manager of Chandrapur Region (5522) has created confusion and ambiguity in this transaction entry by adding the remark "Fund INT Account Credit" in the description (copy attached). Furthermore, there is a lack of transparency regarding this entry, suggesting possible misappropriation. Please provide clarification regarding the transaction entry of Rs. 10621.94 dated 15/05/2025 in Gold Loan Account No. 60514311212 Specifically, clarify from whose savings account this amount was credited to my gold loan account, and provide a written explanation of this entry through a statement.
According to the gold loan account statement, it is clearly evident that the Branch Manager of Chandrapur Region (5522) has interfered with and manipulated the transaction entry for the interest amount of Rs. 10621.94 paid on 15/05/2025, resulting in tampering, misappropriation, and confusion. A written explanation should be provided through the bank statement of the Branch Manager of Chandrapur Region (5522) clarifying from which account the amount of Rs. 10621 and (0.94 paise) came from in the transaction entry dated 15/05/2025. It is crucial to establish transparency in the bank's transactions. Due to having to pay an unexpected penalty during a period of financial difficulty, the Branch Manager has caused me mental distress. This is because I had reliably paid this interest amount myself. However, while the transaction record of the interest amount credited from the savings account to the gold loan account via the app is visible in the gold loan account statement, it is not visible in the savings account bank statement. Due to this discrepancy and the complexity of the transaction, it is becoming difficult for me to prove exactly how much of the half-yearly interest amount was paid (whether it was ₹10621, ₹10621.94, or where the ₹0.94 and ₹118 came from). I have no evidence of the interest payment other than the gold loan account statement. This small amount is very valuable to me. Until now, almost all financial transactions in my gold loan account have been done online through the app, but I have never encountered such a problem before. If I do not receive the amount back, I will lose my trust in the bank.
The interest installment amount for the gold loan was reliably paid by me personally through your branchs Maha Mobile Plus online app, and the payment of the interest amount is clearly visible in the gold loan account statement. It is regrettable that such confusion is being created among customers in a nationalized bank. It is important that customer complaints are resolved and they receive satisfaction. I do not agree with, nor am I satisfied with, the reply sent by the Branch Manager of Bank of Maharashtra, Chikhalgaon, via letter, and I do not accept it.
Therefore, Honorable Sir, the time has come for you to prove that there is transparency in the banks transactions. Considering the seriousness of this matter, I request that you conduct a thorough verification and investigation of the credit and debit transaction entries in the attached gold loan account statement and ensure that I receive justice. I humbly request that the amount of 10621, deposited as semiannual interest in the gold loan account, be considered valid and returned to my account.
Submitted respectfully for your information and further appropriate action.
Your Faithfully
Kundan A Gaurkar
Gulmohar Park, Wani
9021054091
Last edited:
KUNDAN
New member
Respected Sir,
Thank you very much for taking note of my complaint. Honorable Sir, merely acknowledging the complaint is not enough; a thorough investigation into this matter is absolutely essential. Previously, the Honorable Branch Manager of Wani had attempted to charge overdue interest on a gold loan even before the twelve-month period had expired, thus trying to collect excess interest. However, after I pointed it out, he admitted his mistake and corrected it.
According to the gold loan statement, there should be a proper investigation into whether the Honorable Manager of the Chandrapur or Wani region interfered with the transaction entries dated May 15, 2025. I should receive a refund of the interest amount of ₹10621/- that I had reliably paid for the half-yearly period (the amount may change due to manipulation in the transaction records).
If such fraud is occurring in the transaction records of a nationalized bank, it will tarnish the bank's image. Such deception of a customer is unacceptable. I am certain that there is something fishy in these transaction records. You should not trust the vague answers given by the Honorable Branch Manager of Wani. Only you can give me justice; I have no other option. I earnestly request you to help me get my money back. Submitted respectfully for your information and further appropriate action.
Your Faithfully
Kundan A Gaurkar
Gulmohar Park, Wani
9021054091
Thank you very much for taking note of my complaint. Honorable Sir, merely acknowledging the complaint is not enough; a thorough investigation into this matter is absolutely essential. Previously, the Honorable Branch Manager of Wani had attempted to charge overdue interest on a gold loan even before the twelve-month period had expired, thus trying to collect excess interest. However, after I pointed it out, he admitted his mistake and corrected it.
According to the gold loan statement, there should be a proper investigation into whether the Honorable Manager of the Chandrapur or Wani region interfered with the transaction entries dated May 15, 2025. I should receive a refund of the interest amount of ₹10621/- that I had reliably paid for the half-yearly period (the amount may change due to manipulation in the transaction records).
If such fraud is occurring in the transaction records of a nationalized bank, it will tarnish the bank's image. Such deception of a customer is unacceptable. I am certain that there is something fishy in these transaction records. You should not trust the vague answers given by the Honorable Branch Manager of Wani. Only you can give me justice; I have no other option. I earnestly request you to help me get my money back. Submitted respectfully for your information and further appropriate action.
Your Faithfully
Kundan A Gaurkar
Gulmohar Park, Wani
9021054091