Charges for activating Dormant Account?

[visvin]

I had an account with Bank of India, which become dormant / inoperative a while ago. In order to close the account, I had to activate this, but as soon as it got activated they charge ₹700 as Dormant account charges!
I read on RBI circular (page 3, point ix) that banks cannot charge for activating a dormant account. Is that true? Do I have a case for refund of the charges?
RBI Circular

 

[Tejo]

Yeah activating a dormant never needs to pay any fee.

May be any negative balance in past, regarding sms alerts charges, atm card / transaction charges, bounce charges.

If not for above charges, then you can request manager to initiate refund.

It's govt. Bank, so ombudsman too no use, if you wish you can.

first mail to nodal officer of BOI, asking politely why I was charged after activating ac also you say I didn't used the account it lacks in fastness like upi in past. If they say directly or indirectly for activating account. Then complain at ombudsman (mail reply from nodal as proof for ac activation charges) then you will get 100% within a month.

Need patience and brain.

 

[TechnoFinoTechnoFino is verified member.]

they can't charge you for just activating the account. you can file complaint with RBI or even PG portal.
but before that file complaint with BOI

 

[visvin]

Yeah activating a dormant never needs to pay any fee.

May be any negative balance in past, regarding sms alerts charges, atm card / transaction charges, bounce charges.

If not for above charges, then you can request manager to initiate refund.

It's govt. Bank, so ombudsman too no use, if you wish you can.

first mail to nodal officer of BOI, asking politely why I was charged after activating ac also you say I didn't used the account it lacks in fastness like upi in past. If they say directly or indirectly for activating account. Then complain at ombudsman (mail reply from nodal as proof for ac activation charges) then you will get 100% within a month.

Need patience and brain.

they can't charge you for just activating the account. you can file complaint with RBI or even PG portal.
but before that file complaint with BOI

Thank you both! 🙂
The sms says
"BOI - Rs 700.00 Debited(TRF) DORM CHGS. in your Ac XXXX"
Seems unlikely to be any other charges.
Have raised a grievances on their website, which they has sent to the branch. Let's see what they say.

 

[thanix]

Thank you both! 🙂
The sms says
"BOI - Rs 700.00 Debited(TRF) DORM CHGS. in your Ac XXXX"
Seems unlikely to be any other charges.
Have raised a grievances on their website, which they has sent to the branch. Let's see what they say.

If they don't reply, Go to their website and check the fees and charges under MITC. If it shows dormant charges check with RBI whether it is legal by complaint.