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Recently, the Nagpur District Consumer Disputes Redressal Commission has held Axis Bank liable for deficiency in service after a failed ATM transaction where the machine failed to dispense cash despite debiting the user’s account.

In this case, the complainant filed a complaint against Axis Bank, the complainant was a resident of Nagpur, attempted to withdraw ₹5,000 from an Axis Bank ATM. While the machine failed to dispense the currency, the amount was successfully debited from his account held with the Central Bank of India.

He got very tense due to this glitch of the machine, so he immediately filed this grievance with Axis Bank, followed by multiple communications with customer care and the bank’s head office. Despite these efforts, the bank failed to address the concern and dismissed the claim.

Seeking redressal for “mental and physical harassment,” the customer subsequently approached the Nagpur District Consumer Commission.

The matter was heard ex parte as Axis Bank failed to appear before the Commission or file any evidence, despite being served a formal legal notice.

In its verdict delivered last month, the Commission observed that the bank had failed to take the customer’s grievance “seriously.” Crucially, the bench noted that the bank did not produce any evidence of a proper internal inquiry, nor did it provide CCTV verification of the transaction in question.

From the documents on record, it is clear that the bank did not take any of the complainant’s complaints seriously,” the Commission held. It further noted that the bank’s failure to provide a fair hearing through the ombudsman process further aggravated the deficiency in service.

The Commission opined that the fact that the customer did not receive the money while his account was debited constituted a clear “deficiency in service” on the part of the bank.

The Commission directed Axis Bank to refund the original transaction amount of ₹5,000 to the complainant. Pay ₹10,000 as compensation for the mental and physical harassment endured by the customer over the eight-year period.

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The District Consumer Disputes Redressal Commission, Kerala, held the Indian Railways liable for deficiency in service after finding that passengers with confirmed reservations found their seats occupied by unauthorized and ticketless passengers in the sleeper coaches.

In this case, the complainant, who was a senior citizen, filed a complaint against Indian Railway, as his confirmed booked sleeper class ticket on the Kanyakumari–Pune Express was occupied by unreserved and ticketless passengers.

The complainants contacted Ticket Examiner (TTE) and Railway Protection Force (RPF) personnel but were unable to find any, then lodged complaints through the Rail Madad application, but despite assurances from railway authorities, no effective action was taken for a considerable period.

As the journey progressed, the overcrowding intensified, with passengers lying on the floor and beneath the lower berths, making it extremely difficult for the complainants to access the washrooms.

The complainants therefore approached the Kerala Consumer Commission seeking refund of the ticket fare and compensation for deficiency in service.

The Railways submitted that TTEs and RPF personnel attended the coaches at Tiruppur, Erode and Jolarpettai stations after receiving the Rail Madad complaints and removed unauthorized passengers. They further argued that the complaint was filed almost one year after the incident, suggesting that the complainants had approached the Commission only to obtain monetary benefits.

The Commission rejected the contention that the Ministry of Railways was an unnecessary party, observing that since the complaint related to deficiencies in railway services, the Ministry could legitimately be made a party to the proceedings.

The Commission noted that the complainant had produced tickets, Rail Madad complaint screenshots, and photographs showing severe overcrowding in the sleeper coaches. The photographs clearly showed passengers lying on the floor and under the berths, making it impossible for passengers with confirmed reservations to travel comfortably.

The Commission also noted that the Railways failed to produce any evidence or examine railway staff such as the TTEs to substantiate their claim that unauthorized passengers were promptly removed. The Commission noted that in such overcrowded conditions passengers who booked tickets could not have a safe and comfortable journey and that the Railways, being service providers, were bound to ensure proper arrangements for passengers. Their failure to do so amounted to deficiency in service.

The Commission found deficiency in service and directed the railway authorities to pay ₹50,000 as compensation and ₹25,000 as litigation costs to the complainants.

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The Kerala Consumer Court has held a Photocopy shop owner liable for displaying misleading advertisement and charging an excess amount for photocopy from the complainant.

The complainant went to a shop named SKCL Big for taking photocopies. The shop had displayed an advertisement stating that photocopying services were available at 29 paise and 35 paise per copy. The complainant took 1203 photocopies but was charged 75 paisa per copy. After arguing with the opposite party, a reduced rate was provided and Rs. 840/- was charged from the complainant.

As per the complainant, he was charged Rs. 492 in excess of the rate as specified. Being aggrieved by this, the complainant approached the Kerala Consumer Disputes Redressal Commission, asking for a refund of the excess amount.

It was submitted that the offer of photocopies at the rates of 29 and 35 paise is for taking more than 2000 copies of a document in double side pages. It was argued that the complainant had taken copies of three different documents and hence the offer was not applicable to them. It was further submitted that the cost of A4 sheet to be around 45 paisa and only 25 paisa is being collected towards charges for ink, electricity and labour.

The Commission observed that the advertisement does not mention at all any of the prerequisite conditions which will make a consumer eligible to avail the offer. It was observed that failure to mention any of the conditions in the advertisement makes it misleading which amounts to an unfair trade practice and deficiency in service.

It was further observed that as per the advertisement, the complainant should have been charged a sum of Rs. 348/- but was charged Rs. 840. Thus, the complainant was held entitled to a sum of Rs. 491 which was the excess amount. Thus, the complaint was allowed with the following reliefs: 1. Refund of excess sum of Rs. 491/- 2. Rs. 10,000 as compensation for mental agony 3. Rs. 2,500 as costs.

A sum of Rs. 10,000 was also directed to be paid to the Legal Benefit Fund maintained with the registry of the commission towards reparation of loss and injury inflicted on the large number of consumers who are not identifiable. The opposite party was further directed to discontinue the unfair trade practice of displaying the misleading advertisement or any other similar advertisement.

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The District Consumer Court in Medak Telangana, recently passed an order stating that starting a movie late because of commercial advertisements is a deficiency in service.

In a recent case, the complainant, who was an advocate, filed a complaint against PVR INOX Limited. The complainant booked two film tickets through the BookMyShow platform, which was scheduled to begin at 10:00 PM on March 15, 2025.

Instead of starting the movie at 10:00 pm, theater first showed advertisements and trailers from 10:00 pm to 10:09 pm. This caused a delay of about 9 minutes.

Because of the delay and the length of the movie, the show ended around 12:02 am. The complainant said this disturbed his planned work and caused inconvenience. Being aggrieved by this, the complainant approached the Telangana Consumer Court, asking for a refund of the ticket amount and compensation for mental stress.

PVR INOX Limited management stated that it is legally required to display advertisements before films under Public Service Announcements and government directives. It also cited its right to carry on business under Article 19(1)(g) of the Constitution of India. Furthermore, the complainant’s estimate of the film’s duration was incorrect, and the CBFC certificate stated the film’s duration to be 150.03 minutes.

The Commission noted that the movie ticket clearly mentioned the show time as 10:00 pm, but the film actually started around 10:09 pm because the theater showed advertisements first.

The Commission explained that government guidelines allow public interest messages to be shown before the movie or during the interval, but they should not delay the film beyond the time printed on the ticket. The time on the ticket creates a promise between the theater and the customer.

In this case, the delay was not caused by any technical issue or public message. The theater delayed the movie only to show commercial advertisements and earn more money. Because of this, the Commission said the theater was guilty of deficiency in service and unfair trade practice.

The Commission directed to compensate of ₹5,000 for mental agony and inconvenience, pay ₹3,000 as litigation expenses. The Commission also directed to compliance with the order within 45 days, and failure to pay the compensation amount within the stipulated period will result in annual interest at 9% from the date of complaint until recovery.

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