Deduction of TDS

Regarding Interests against FD gets debited on due date on 3rd of every month. But in the month of April of each financial year ie on 3rd of April,the Bank deducts TDS automatically. It is not possible to deposit form 15G/H on 2nd and 3rd April,eventhough sometimes it is deposited on 3rd April, the same does not get entered and the process of deduction of TDS effected.
Despite of submission of forms 15G/H submitted within 10th of April,the refunds are not affected eventhough making applications,posing complaints,talking to customer care,bank officials.
No actions takes place and ultimately, returns are filed(customer does not fall in the income tax bracket) and refunds are awaited from IT deptt for years.