V.K. Jain, Presiding Member—The petitioner/complainant had an account with G.T. Road, Karnal Branch of Punjab National Bank. He was issued an ATM card by the aforesaid bank, to enable him to make transaction at the ATMs. The petitioner/complainant went to an ATM location of the bank on 25.12.2012 in order to make withdrawals from his account, using the ATM card issued to him. The first two attempts were unsuccessful. The case of the complainant is that since those two attempts remained unsuccessful, he withdrew a sum of Rs.10,000/- from the other ATM of the bank installed in the same premises. He also received a message showing withdrawal of Rs.15,000/- as well from his account. His attempts to make further withdrawal did not succeed since the machine indicated that the daily limit of Rs.25,000/- had already been utilized. The petitioner/complainant went to the concerned branch of the bank on the next working day as 25.12.2012 was a holiday and made a complaint that despite his having withdrawn only Rs.10,000/-, a sum of Rs.25,000/- had been debited in his account, thereby showing excess debit of Rs.15,000/- in his account. Since the bank did not address his grievance,