My bank in Mumbai deducted unauthorized charges, how do I recover them?

Detailed Legal Analysis

Unauthorized bank charges constitute deficiency in service under Maharashtra Rent Control Act 1999 and are actionable before the consumer commission in Mumbai. The Bombay High Court has held that banks must obtain consent for any charge not disclosed in the schedule of charges.

You must file a written complaint with the bank and wait thirty days before escalating to the banking ombudsman. The Bombay High Court has upheld that failure to reverse unauthorized charges entitles the consumer to compensation.

Under Maharashtra Rent Control Act 1999, the consumer commission can order a refund with interest and damages for harassment. In Mumbai, you should retain account statements and the bank's response for your complaint.