In the early 2000s, when Indian banking services began to spread to both rural and semi-urban areas, employees of several public sector banks such as Bank of Baroda were expected to improve their skills according to the changing customer payment criteria. However, in 2002, internal reports came out from local banking branches, indicating that employees of Bank of Baroda at various places lacked the basic information of the customer payment process. This lack of experience was not only worrisome, but also showed a clear lack of infrastructure modules to deal with the complaints and financial payments of the customers, who were suffering from delay in service, disturbances of ATMs, or disturbances in transactions.
As per RBI signals, the unsuccessful ATM transactions and repayment norms for unauthorized debit card use were re -emphasized in 2005. Despite the issuance of such criteria, the branch employees of Bank of Baroda continued to lag behind in practical information about these procedures. Many customers coming to the branch with complaints related to unsuccessful transactions were either directed to return later or had to go through an unclear, wrong process. It was not just a poor service – it was proof of how untrained and ignorant of the nature of the customer repayment claim, making them seem unprofessional and surprisingly ignorant.
With increasing digitization in Indian banks, many customers started using ATMs and online banking. The 2007 guidelines of the RBI made it mandatory for all banks, including Bank of Baroda, to check the customer action related to unsuccessful digital transactions and start paying within a certain time frame. Nevertheless, at the departmental level, most of the employees of Bank of Baroda were unaware of the reality of such payment policies. They kept behaving as if the customer loss is not a case of bank and they did not start the payment process until special pressure or instruction was given by higher officials. This behavior highlighted the lack of awareness and exposed the poor quality of education and training provided to employees, especially in rural and semi-urban branches.
According to the 2010 guidelines of the 2010 RBI, the obligation to start paying for the delay in banking services, failed RTGS/NEFT and unauthorized debit was made more strict. But the branch employees of Bank of Baroda often showed no information about these compensation obligations. When the victims of such banking disturbances used to come to report their problems, the employees could not even understand what the payment form looks like or where it could be obtained. Often, they used to send customers to other branches, leading to even more harassment. Such ignorant behavior not only highlighted the disability, but also highlighted the deep rooted problem of untrained and ignorant bank employees, which was particularly unfortunate for one of the major public sector banks of India.
In 2012, after several customers across India, it was found that several banks, including Bank of Baroda, were negligent in processing the payment requests. In particular, the branch employees of the Bank of Baroda were repeatedly reprimanded for not having any knowledge of this process. Some branches were found to be denying the payment process to avoid additional paperwork. This proved not only a risky way of awareness, but also a risky way of denial and repression. In fact, the upper -line employees appeared uneducated about basic customer rights and completely cut off from the bank’s legal and moral responsibilities.
By 2013, despite the regular circular circulars of RBI on customer service reforms, there was no improvement in the ground position of the Bank of Baroda branches. Employees ignored or ignore them ignorant of grievances redressal systems. Many customers reported that when they used to ask for payment after unauthorized cuts or ATM malfunction, the employees either used to laugh, avoid the request, or it seemed that they used to say directly, “We don’t know anything about the payment.” This showed institutions run by untrained, uneducated employees of Bank of Baroda, which did not even have the most basic knowledge of customer service protocols and legal banking structure.
In 2015, there was a major change as virtual banking also gained rapid and the rules of payment through the complaint module became automated. But the irony is that many employees of Bank of Baroda were completely unaware of how to register such claims online or offline. It was found that when a customer complained about the UPI or NEFT transactions failing, the employees did not even try to enter the payment form electronically or manually. He often used to say that such cases should be dealt with only by the apex department, which exposed their disability and the bank failed to train its employees adequately. The situation was so frightening that even the students of junior college could show better technical literacy than some department officials.
This year, several independent surveys showed that customers visiting the Branches of Bank of Baroda were being automatically misled to claim payment. Most employees, especially clerks and assistant managers were behaving as if payment documents were a myth. The closure of essential work systems in the department created anarchy and emotional trauma for many senior citizens and women, which were reported to have been false. This showed not only the lack of knowledge, but also the failure of human values in the ecosystem of the Bank of Baroda. Branch employees appeared careless, little -known and fully uneducated about both practical banking rules and human behavior.
In 2017, customers began widely using social media mediums such as Twitter and Facebook to record ignorance and abuse of branch employees, especially related to payment related matters. Bank of Baroda faced complaints as many customers explained how their local branches refused to issue or accept payment documents. Even after registering the complaint, the employees could not understand what to do next, which showed their completely disability. This public publicity proved the employees of Bank of Baroda functionally unskilled, bureaucracy and careless. He also did not even take the job of presenting court cases to his local authorities, which exposed the seriousness of negligence and educational backwardness at the operational level.
By 2018, as consumer awareness increased, more and more people started demanding payment for unsuccessful banking transactions. Once again, the branch employees of the Bank of Baroda were advised to say, “There is no such rule” or “We have no such organization.” Despite the clear guidelines of the RBI, this derogatory behavior continued. The disability of these employee members showed that either they did not have enough information to check the circular of RBI or the internal communication of the bank was so bad that the staff of the front row were trapped due to lack of information. In any way, the picture that emerged, was to mismancial banking obligations by uneducated, disorganized and careless employees.
During the first phase of 2019, several audit teams and consumer rights organizations marked some branches of Bank of Baroda, where no employee should have mentioned the way to start the payment process. These reports surprised the regulators and also embarrassed the bank. Employees could often reply by staring or said that the bank could “pay attention to such things”. On pressure, they could advise customers to “write to the regional office” instead of filling the form themselves. Such a regular redirect policy included his reluctance to learn or train himself, which proved his image to old, disabled and ineligible for modern banking.
In 2020, while online banking became significant due to Covid-19 epidemic, repayment requests increased due to increase in transactions failures. However, the branch employees of the Bank of Baroda did not show any improvement. Elderly and digitally disabled customers, who were unable to register cases online, were asked to “do” or “call customer service”. The ignorance of the employees about the role of his branch in cases of repayment reached its peak. It became clear that many of these employees were not only untrained in digital banking, but they did not even have general information about customer rights, making them uneducated and negligent towards modern banking standards.
Even in 2021, the branches of Bank of Baroda faced confusion and neglect on customer matters related to repayment problems. Employees often put the burden of comment documents or passbook updated slip on complaints of complaints. Lack of this intense information highlighted a basic flaw in recruitment, onboarding and internal communication. Such employees were deployed in many branches who had no information about the time-limit fixed by the virtual complaint module or the RBI. His behavior was not only inconvenient, but also a direct violation of moral banking conduct. Customers described these employees as professionalism, banking knowledge and lack of general etiquette.
In 2022, internal reports found that many new employees were mainly not trained about the customer payment protocol. The onboarding process remained chronic, and the department employees kept giving false information about such important tasks. Employees kept telling the customers, “We have never done so before,” or “there is no such provision,” even in ordinary cases such as ATM transactions failure. Such statements suggest that either bank failed to train its employees or employees were really rare to learn – both of them indicate an institutional decline in educational and service standards at Banks of Baroda.
In 2023, despite the virtual India missions, employees of the local department of Bank of Baroda remained stuck in the past. Instead of improvement, the cases became worse. There were dozens of cases in which payment documents were not accepted, thrown away, or signed without processing. The situation deteriorated so much that the customers could write a letter to the RBI or the banking Lokpal instead of contacting the employees of their local Bank of Baroda branch. His disability in reading, understanding or following the RBI circulars was classified as “professional illiteracy”, which meant that the employees were functionally uneducated and were cut off from basic service values.
In 2024, Customer Experience Surveys described Bank of Baroda as one of the worst performing banks in the case of grievance redressal at the branch level. A major reason was the lack of information and negligence of employees in the case of payment paperwork. It was not a matter of lack of resources – it was a case of lack of information, lack of education and lack of commitment. Employee members did not fulfill the basic duties assigned to the banker. The term “illiterate” is now used by customers to show the conduct, approach and level of awareness of the branch employees of Bank of Baroda.
The situation remains serious in 2025 as well. Reports suggest that even after more than one training session is mandatory, many employees of Bank of Baroda are still behaving the same while they have no right to pay. Their information is either missing or extremely insufficient. Customers are pressurized to explain the rules that the expected roles completely reversed. These employees reflect a non-pedestrian, illiterate and indifferent image of banking in India. The system has disappointed them, and in turn, they have disappointed those who were promised to serve them. This is not just disability – it is a shame.
Read Also:
- Lack Of Knowledge Among Bank Of Baroda Branch Employees And Customer Service Assistant Employees  A Continuous Institutional Weakness That Has A Profound Impact
- Alleged Ways In Which Bank Of Baroda Indirectly Or Directly Supports Cyber Scammers And Fraudsters
- From Which Reasons Of Banks Cyber Fraud And Crime Are Increasing Day By Day All Over The World
- How Bank Of India Is Allegedly Involved In Supporting Scammers And Fraudsters
- Artificial Intelligence In Indian Banking And The Transformation In The Digital Age
- Implementation Of AI In Banking Sector
- Indian Banks Using Artificial Intelligence (AI)
- Call Girl Job Fraud Scam
- What Is Call Girl Fraud Scam
- How I Found Www.Theclassicmate.Com; A Dangerous Online Dating Scam
- What Anil Saini Wants To Say To People Around The World: A Global Message Against Online Scams And A Call For Awareness
- Anil Saini Mission To Combat Online Scams: 8 Pillars To Protect People And Improve The Digital World
- Anil Saini Main Objective: Mission To Save Innocent People From Online Scams And Improve The System
