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BOB Branch Employees Misbehaving & Denying Legitimate Account Closure – What Can I Do?

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itsme.sumit

itsme.sumit

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Today, I visited my Bank of Baroda (BOB) home branch to close my existing PMJDY zero-balance savings account and open a BOB Super Savings Account, which offers a platinum RuPay debit card and requires a ₹20,000 MAB.

To ensure a smooth process, I carried all original ID proofs, my PMJDY debit card, and a cheque book from another bank for the initial deposit—despite knowing that government banks typically do not require this. However, I encountered unprofessional behavior and misinformation from the branch staff.

Issues Faced at the Branch​

  1. False Claim Regarding Account Closure & Reopening
    • Upon arrival, a bank employee immediately responded with hostility and falsely claimed that if I closed my current savings account, I would be permanently barred from opening any future savings account with BOB.
    • I know this is completely incorrect, as I have seen similar cases on TechnoFino that were resolved through the RBI Ombudsman.
  2. Unreasonable & Arbitrary Requirement for Passbook Submission
    • When I requested account closure, they insisted that submission of my passbook was mandatory.
    • Since I did not have it on hand, they demanded that I file a police report to proceed with closure.
    • This is completely unjustified, as a passbook is neither a confidential document nor a mandatory requirement for account closure as per banking norms.
3. Denial of Written Confirmation with Bank Stamp
  • When I asked them to provide their claims in writing with the bank’s official stamp, they outright refused.
  • This further proves that their statements are not based on any official banking rule but rather their own misleading practices.

​

Recorded Evidence – Next Steps for Escalation​

My friend recorded the entire conversation and misbehavior by the branch staff. I now want to know the best way to use this evidence effectively.

  • Can I attach this recording in an email to the branch and the Principal Nodal Officer (PNO)?
  • Is there a specific grievance email at BOB where such complaints are taken seriously?
  • Would this recording strengthen a case if I escalate it to the RBI Ombudsman?
I appreciate any guidance from the TechnoFino community on the best course of action. Thank you.
 
Last edited:
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itsme.sumit said:
Today, I visited my Bank of Baroda (BOB) home branch to close my existing PMJDY zero-balance savings account and open a BOB Super Savings Account, which offers a platinum RuPay debit card and requires a ₹20,000 MAB.

To ensure a smooth process, I carried all original ID proofs, my PMJDY debit card, and a cheque book from another bank for the initial deposit—despite knowing that government banks typically do not require this. However, I encountered unprofessional behavior and misinformation from the branch staff.

Issues Faced at the Branch​

  1. False Claim Regarding Account Closure & Reopening
    • Upon arrival, a bank employee immediately responded with hostility and falsely claimed that if I closed my current savings account, I would be permanently barred from opening any future savings account with BOB.
    • I know this is completely incorrect, as I have seen similar cases on TechnoFino that were resolved through the RBI Ombudsman.
  2. Unreasonable & Arbitrary Requirement for Passbook Submission
    • When I requested account closure, they insisted that submission of my passbook was mandatory.
    • Since I did not have it on hand, they demanded that I file a police report to proceed with closure.
    • This is completely unjustified, as a passbook is neither a confidential document nor a mandatory requirement for account closure as per banking norms.

Recorded Evidence – Next Steps for Escalation​

My friend recorded the entire conversation and misbehavior by the branch staff. I now want to know the best way to use this evidence effectively.

  • Can I attach this recording in an email to the branch and the Principal Nodal Officer (PNO)?
  • Is there a specific grievance email at BOB where such complaints are taken seriously?
  • Would this recording strengthen a case if I escalate it to the RBI Ombudsman?
I appreciate any guidance from the TechnoFino community on the best course of action. Thank you.
Click to expand...
Bhai ek rupay platinum debit card ke liye itni mehnat kyu.
Jio payment bank kholke lelo ya phir kisi bhi bank m asani se miljaega?
 
praful47 said:
Ye email id pe simple likhna hai bank is not closing my account. Uske bad unka behaviour apne aap change hoga .
Click to expand...
Nothing special about that email id. Sent an email on 5th Feb regarding NRO account closure they said the fees will be reversed and then acct will be closed the branch is clueless and visited 2-3 times already then yesterday raised a RBI Ombudsman complaint.
 
itsme.sumit said:
  • Can I attach this recording in an email to the branch and the Principal Nodal Officer (PNO)?
Click to expand...
akiratoriyama said:
Go for it, report to PNO
Click to expand...
why goto PNO directly?

1. first approach branch manager with a written complaint letter about the incident, take complaint received acknowledgement (generally they just stamp the paper you gave, take a pic of it). mostly, the issue would be resolved there. take follow up with BM few days later.

2. if still not resolved after follow-up also, raise complaint here: https://bobcrm.bankofbaroda.co.in/onlinecomplaint/Default.aspx
you'll get call from Asst. BM or BM for the resolution.

3. in the extreme case you dont get resolution, then only complain to PNO.

im not trying to diminish the issue you faced, but reaching out to PNO for such small issue is not necessary or suggested. there's a reason why escalation matrix exists in every institution. do follow that. what you are suggesting is similar to skipping a queue.

in fact, you'll get faster resolution by going through the steps i mentioned, than by going to PNO. because everyone is reaching out to PNO for all these small small cases, they are overloaded always making the experience terrible for everyone.
 
theflash said:
Nothing special about that email id. Sent an email on 5th Feb regarding NRO account closure they said the fees will be reversed and then acct will be closed the branch is clueless and visited 2-3 times already then yesterday raised a RBI Ombudsman complaint.
Click to expand...

quino said:
why goto PNO directly?

1. first approach branch manager with a written complaint letter about the incident, take complaint received acknowledgement (generally they just stamp the paper you gave, take a pic of it). mostly, the issue would be resolved there. take follow up with BM few days later.

2. if still not resolved after follow-up also, raise complaint here: https://bobcrm.bankofbaroda.co.in/onlinecomplaint/Default.aspx
you'll get call from Asst. BM or BM for the resolution.

3. in the extreme case you dont get resolution, then only complain to PNO.

im not trying to diminish the issue you faced, but reaching out to PNO for such small issue is not necessary or suggested. there's a reason why escalation matrix exists in every institution. do follow that. what you are suggesting is similar to skipping a queue.

in fact, you'll get faster resolution by going through the steps i mentioned, than by going to PNO. because everyone is reaching out to PNO for all these small small cases, they are overloaded always making the experience terrible for everyone.
Click to expand...
mailed the HO already and will followup with the bm tomorrow with a written complaint even though i am not sure they will acknowledge my complain or not but lets give it a try.
 
itsme.sumit said:
followup with the bm tomorrow with a written complaint even though i am not sure they will acknowledge my complain or not but lets give it a try.
Click to expand...
even if they dont solve your complaint, it's fine. but they are legally required to accept & acknowledge it. otherwise they could be fired over it.

just like police, they need to take FIR, whether they solve the case or not.
 
quino said:
why goto PNO directly?

1. first approach branch manager with a written complaint letter about the incident, take complaint received acknowledgement (generally they just stamp the paper you gave, take a pic of it). mostly, the issue would be resolved there. take follow up with BM few days later.

2. if still not resolved after follow-up also, raise complaint here: https://bobcrm.bankofbaroda.co.in/onlinecomplaint/Default.aspx
you'll get call from Asst. BM or BM for the resolution.

3. in the extreme case you dont get resolution, then only complain to PNO.

im not trying to diminish the issue you faced, but reaching out to PNO for such small issue is not necessary or suggested. there's a reason why escalation matrix exists in every institution. do follow that. what you are suggesting is similar to skipping a queue.

in fact, you'll get faster resolution by going through the steps i mentioned, than by going to PNO. because everyone is reaching out to PNO for all these small small cases, they are overloaded always making the experience terrible for everyone.
Click to expand...
What you are saying is right, but works with private banks mostly.

A PSU Bank Manager may or may not do much to handle such situations properly.

A complaint to regional/group head is a better to convey the matter down the hierarchy.
 
quino said:
just like police, they need to take FIR, whether they solve the case or not.
Click to expand...
Police dont file FIR easily either. They will do anything, even threaten the victim just to make sure the FIR is not registered.

Even for bigger cases, many people have to approach magistrate to make sure the police files the FIR.
 
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