IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 27.09.2023 Date of Hearing: 07.01.2026 Date of Decision: 15.04.2026 FIRST APPEAL NO.- 506 /2023 IN THE MATTER OF PUNJAB NATIONAL BANK, HAVING ITS HEAD OFFICE AT:

PLOT NO. 4, SECTOR - 10, DWARKA, NEW DELHI, AND BRANCH OFFICE AT: WAZIPUR, ASHOK VIHAR, DELHI-110052.

(Through: Mr. Ajay Shankar, Advocate)

…Appellant VERSUS SH. SARFRAZ ALI, S/O SH. MAHFOOZ ALI, R/O C-1/30 A, LAWRENCE ROAD, DELHI - 110035.

(Respondent in person)

… Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE BIMLA KUMARI, MEMBER (FEMALE)

Present: Mr. Ajay Shankar, Counsel for the Appellant appeared through VC.

Respondent in person. (Email: sa277196@gmail.com )

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT JUDGMENT

1. The facts of the case as per the District Commission record are:

“Sh. Sarfraz Ali (in short the complainant) filed the instant complaint U/s 12 of the Consumer Protection Act 1986 as amended up to date (in short the Act) alleging therein that he had an account in the Punjab National Bank (in short the OP) bearing account no. 0155000100341600. On 24.10.2018 the Complainant went to the branch of OP for de