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Aso here is the detailed post regarding yesterday’s unfortunate incident:
I want to share a terrible experience I had recently at **Bank of Baroda’s home Branch** and the unexpected legal mess that followed. What started as a simple banking request turned into a situation where I was **wrongfully detained by the police**, all because I tried to hold the bank accountable for their misinformation.
# How It All Started
On **March 6, 2025**, I went to the BoB branch to **close my PMJDY savings account** and open a **BOB Super Savings Account** . What should have been a routine process turned into an absolute nightmare.
The bank staff **flat-out refused to process my request**, claiming that once I closed my existing account, I’d be **permanently barred** from opening a new one. This made no sense, because there’s no such RBI rule that says you can’t open another account after closing one. **It was a clear lie.**
Then came another ridiculous demand—they insisted that I **must produce my passbook** to close the account. I told them I didn’t have it, and they had the audacity to say I’d need to **file a police complaint just to confirm my passbook was lost**. i also asked the same in written but they denied.
At this point, I knew something shady was going on. I asked them to give me a **written confirmation** of their refusal, with an official stamp. **They outright refused.** That’s when I decided to **record my interaction** with them, just to have proof of their misconduct.
# The Next Day – Things Got Worse
The next day, **March 7**, I went back to the branch with a **formal written complaint**, demanding acknowledgment of the issue. on top of that i had written a proper closure letter for my savings account along with my passbook. But as soon as I mentioned that I had recorded evidence of their lies from the previous day, things escalated quickly. and also it was written in that complain letter too.
One of the bank employees—who had been part of the misinformation campaign—**overheard our conversation.** He immediately became aggressive and, without warning, **snatched my phone from me.** I resisted, and in the process, he **scratched my finger.** Instead of discussing the issue like professionals, he decided to **call the police** on me! he even threatened me personally and both bm and that staff told me that i can not record anything there because it is a PSU bank.
Within minutes, the police arrived—but **instead of questioning the bank staff, they detained me right away.** And not just me—**they took my friend too, who had done absolutely nothing.** No investigation, no questioning, nothing. They just dragged us both to the police station.
# At the Police Station – Unjust Detention
Once at the station, things got even murkier. I was **not formally arrested, no FIR was filed, and I wasn’t charged with anything.** But they still held me there, making me feel like a criminal for simply recording evidence of my own mistreatment.
After some back and forth, I had to pay my lawyer **₹1500 just to secure my release.** But here’s the catch—I **never signed any official document like an FIR or court paper.** The only thing I signed was **a police diary entry**, which was probably just for the purpose of logging my departure.
# Why This Feels So Wrong
What bothers me the most is that this **all happened in front of the branch manager, who was a female**, and she did **nothing** to stop it. She stood there and let her staff mistreat a customer, escalate the situation, and involve the police for absolutely no valid reason.
And what about my friend? **He was just standing there, yet he got dragged into this mess for no reason.** This was pure **abuse of power** by both the **bank staff and the police.**
# What I Want to Do Now
Now, I refuse to let this go without a fight. I want to take **legal action** against both the **Bank of Baroda’s misconduct and the police’s wrongful detention.** But I need advice on the best way to go about it.
I know that fighting against corruption in banks and law enforcement isn’t easy, but I also know that **letting them get away with it will only encourage them to keep doing it to others.**
I would really appreciate any advice from **legal experts or those familiar with the RBI’s banking grievance system**. How do I go about this the right way? What legal steps should I take first?
This is more than just about my case—it’s about **making sure banks don’t abuse their customers and police don’t misuse their power.** I want to do this right, and any help would mean a lot.
[letters and minor wound](https://imgur.com/a/9L43c9n)
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SSubmit a written complaint to the bank’s grievance redressal cell, detailing the misconduct. Request acknowledgment of your complaint. Banks are required to respond within 30 days. If the bank’s response is unsatisfactory or not received within 30 days, file a complaint with the RBI Ombudsman. If the Ombudsman fails to resolve your issue, you can escalate it to a consumer court.
Lodge a written complaint against the officers involved with SP/IG.
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AWhat about the videi recording part without their consent? Can they take legal action even they misbehaved.
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SRecording someone without their consent in India is a legally complex issue that depends on the context, location, and intent of the recording. Recording in a public place where individuals have no reasonable expectation of privacy (e.g., streets, parks) is generally permissible.
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Ai do aware about the call recording part in india but wasn’t aware about the video recording part as i though they operate public’c money in a public sector place and if they misbehave i can video tape that for me and public’s interest.
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SHere you had the right to record, as far as I can understand, as it was publically accessable area and you recorded in self defence and for evidentiary purpose. Intent matters in legal cases. And anything pasted on walls without any under signing by an authority are just requests and not law or legal guidelines.
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ASo what should i do afterall? If i want to sue them it would be a long long journey as per that lawyer who took me out from the police and i still do not know what he gave them in written although it was not signed by me because if i was i would have checked it via professionals first. I do not want to get convicted by anything as long as i did not done anything wrong.
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UYou cannot record inside branch premises its a offence . U can see various posters inside bank stating photography and videography prohibited. There are numerous cases regarding the same . U can google.
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WBanks do have CC everywhere, you can write to a grievance officer.. explaining the entire scenario. Mark a mail to the nodal officer too.
Bank will retrieve the videos from the branch. And enquiry will be done, reach out to RBI ombudsman too after 30 days.
If you go to RBI ombudsman before 30 days of the complaint to bank they won’t accept
If they do not respond to you just publish the video on social media…-
Ai fear that even tough the video clips got deleted from my phone and now if i complain to RBIO the bank will back fire to me for the video recording part.
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AYou can easily recover deleted data if new data is not overwritten on it. Quite likely since its been a few days only
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AMan i do have those videos on me😆 because those pawns are so dumb can not even see that those were in my phone’s galary. Instead they made me open my phone’s whatsapp business app and was trying to being oversmart by looking those community chats🤣🤣🤣🤣
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SBob is a waste bank anyways, can’t even run their app properly to make it an easy experience and now their customer service is also gone
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CHi OP, sorry to see this happen to you. The high-handedness of public bank employees is increasing a lot.
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Let’s move step by step. First try filing a written complaint with the SHO or SP/DCP, take a receiving. Mention the details and name of the police personnel. This will pave the way for magistrate complaint, even if no action is taken.
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Now file a complaint in magistrate court, with all the proofs, attach recordings, etc and receiving of the complaint filed with the SHO/SP/DCP.
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After this, everything will gradually work in your favour. Let me know. -
SNot a legal advice but trying to look from other side of the story. Must of the times Ppl faces many difficulties when dealing with public sector and everytime they blames employees for it. But sometime they are just messengers of a broken system.
There is always a ridiculous procedure to get a task completed in public sector especially banks which deals with money which are set by RBI or the management of said Bank which isn’t in the hands of the employees.
A passbook is usually act as an id card banking. When they demanded u to submit the passbook , why didn’t u gone back with ur passbook. But u lied and said it’s lost so they asked u to file a police complaint and matter escalated.
When police got the call , they came and took u to custody. Since there was no formal complaint there wasn’t any fir. U should understand that if they pressed charges against u and filled an actual fir sitting in the police station for few hrs be the least of ur worries.
Everything which felt wrong to u might not be seen as judicially incorrect. U are free to take legal action against BOB or police but by doing so u will probably going to lose a lot of time ,money , energy without getting ur desirable outcome.
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AApart about the passbook thing everything you said is true. And again,at that day i carried my both atm card id cards on me and i did not carried the passbook because i could not find it and it required more effort than the normal one and with that sense i told them i lost it and since it was not theft or lost at any public place they still asked me for the gd reciept and for that i did not denied them too. I just asked them to give me those all in written.
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AAll i see that their main ground is that i video taped them for their inappropiate and arrogant behaviour without their consent. Apart from that they are nothing but a infamous moron & goons like some other psu banks. Not all employees in psu banks are like them. I know this because i experienced.
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AYea man whattt? They do dogshit infront of all people every single day why not i am gonna video tape them? Now They are treating it like i blowed a neuclear bomb or something. Althouth i was ready to fully comply with them.
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UYou could have raised complaint with RBI and that would have sufficed
They might say that you recorded with malicious intent….-
AYea. Not gonna lie dude i already mailed them for the same at 6th march to bob cs ho email but some guy in technofino told me to get acknoledge and i also did not think much that it cound get worsen and it got backfired to me. Well though the video taping thing is completely on me. I will take care of that next time.
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SIt’s more about protecting other customer’s privacy. I too was recently threatened in a Hospital for doing the same. Live and learn 🤷
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EBank ombudsman ko complaint karo. Those guys take shit seriously. Everything is investigated properly. If police were involved in this case on bank property – they’d be extra serious.
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ABut bhai maine bin permission ke video bnaya tha udhar unke staffs ka although galat intention se nhi kra tha but still woh log abhi dhamka rhe.
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UI am a government bank employee in some other bank and have never heard of such a thing .
No clerk or officer will and should ask to file a FIR just to get a passbook .
Usually they charge 118 or 236 and issue a passbook and then close the account .
I am sorry that you had to face this .
usually bank staff have no time to do such an act because they have many things to do .Steps should be as follows :
1. Give a written complain against the bank staff to the manager.
2. Complain against this to the highest authority bank has . Usually mail IDs of circle office and other offices are given . Just mail them . That will be enough to shake the branch .
3. After step 1 . You need to wait usually 30 days after that you should approach banking ombudsman.But as your case is extreme; you should find every bank mail id that you can find and complain there .
Lastly don’t lose hope .I am so sorry for your experience .
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UYou meant the video that you recorded ? Do you still have it ?
Maybe it is illegal to record but after what they did I don’t think it matters . -
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UIn addition you may also file an FIR against bank staff for snatching your property (phone) and hurting you in process….their cctv should have evidence.(explore with lawyer).
They are not closing PMJDY to keep their budget allocated .Wrongly asking FIR for the passbook reissuance.
Write BM, if refused to accept, do registered post. 30 days after go to ombudsman and mention both hassling incident of second day and first day incident with wrong information.
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ALmao, I wouldn’t sue for crores; instead, I’d demand they uphold professionalism and treat every customer with equal respect , regardless of wealth or status.
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