Most of us are not aware of this rule and that’s exactly what happened to a Bengaluru woman on maternity leave who fought a threeyear long legal battle against a bank after her ATM request was turned down.

In 2013, a Bengaluru resident Vandana gave her ATM card and PIN to her husband to withdraw Rs 25,000 from ATM. After swiping the card at one of the SBI ATMs, her husband got a slipshowing the money was debited, but the couple claimed that the amount was never released.

This was done after Vandana’s husband Rajesh was told by the SBI Call Centre that it was an ATM glitch and the said amount would be refunded within ⏳24 hours. When the day passed and there were still no signs of a refund, the couple approached the bank with a complaint.

It was then that the couple received a shock from the bank, instead of a relief. Responding to the complaint, the SBI said that the transaction was ✅correct and the ‘ATM is nontransferable’. The case was thus closed in a few days and turned down the money claims.

After running from pillar to post and several complaints at the bank, Banking Ombudsman and Consumer Redressal forum, the couple obtained CCTV footage that showed Kumar using the ATM, but no cash being dispensed. Based on the investigation, the bank ruled that Vandana, the cardholder, is not seen in the footage and closed the case.

In its final verdict in 2018, the Consumer Court ruled that Vandana should have given a self cheque or an authorisation letter to her husband for withdrawal of Rs 25,000, instead sharing the PIN and making him withdraw the money and dismissed the case.

Source: Times of India

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