Archive · 5 Aug 2026
ATM debits 10,000 without cash; consumer panel orders bank payout
A person went to an ATM to take out money.
The machine took Rs 10,000 out of their account, but no cash came out.
The person complained to the bank many times, but the bank did not give the money back.
So the person went to a special court in Kerala that helps unhappy customers.
This court is called the District Consumer Disputes Redressal Commission in Kozhikode.
The court asked the bank to show proof that the machine gave out the money.
The bank could not prove it.
So the court said the bank made a mistake and treated its customer unfairly.
The bank must now return the Rs 10,000 and pay an extra Rs 5,000 because the customer was upset and stressed.
In total, the bank must pay Rs 15,000.
A Kozhikode consumer commission held Union Bank of India liable for deficiency in service over an ATM transaction.
The customer's account was debited Rs 10,000 but the ATM did not dispense any cash.
The bank failed to prove the ATM had actually dispensed the money.
The commission ordered a refund of Rs 10,000 plus Rs 5,000 compensation for mental agony.
The bank was found to have ignored the complainant's concerns, forcing complaints to its head office and branch office.
- Who
- A Union Bank of India customer and the District Consumer Disputes Redressal Commission, Kozhikode, led by president Priya S and member V Balakrishnan.
- What
- The consumer commission held Union Bank of India liable for deficiency in service and unfair trade practice after an ATM debited Rs 10,000 without dispensing cash, ordering a refund plus Rs 5,000 compensation.
- When
- The commission delivered its order on July 27.
- Where
- Kozhikode, Kerala, India.
- Why
- Because the bank could not prove the ATM dispensed the cash and did not properly address the complainant's concerns.
- Bank
- Union Bank of India
- Amount debited
- Rs 10,000
- Refund ordered
- Rs 10,000
- Compensation
- Rs 5,000 for mental agony
- Total payout
- Rs 15,000
- Ruling body
- District Consumer Disputes Redressal Commission, Kozhikode
- Ruling date
- July 27
- Finding
- Deficiency in service and unfair trade practice