Bankers in India like most other places, mostly forget that you exist once you have opened the account with them, and service is a rare concept. Most people are to blame, because in 8 cases out of 10 cases people dont bother reading or understanding the forms that they fill in and suffer the consequences later in life.
People face multiple instances of harassment, but the worst kind of harassment can be faced by survivors in case of a death , where over enthusiastic staff with IAS (I AM SAFE) mentality make unreasonable demands , for processing death case.
The RBI had issued a master circular dealing with Customer service dated 3rd November 2008. Please download and read it and quote it if you have to deal with unruly overzealous bankers.