Unauthorized iMobile Transaction?

Question

On 28th Nov 2015, I have done an IMPS transaction around 20, 000 to some of my brother's friend through your bank Imobile aplication. That amount got debited from my account and credited to beneficiary. Thanks, That's fine. But on On 29th Nov 2015, I never logged in my I mobile application, again 20, 000 got transfered from my account with out my knowledge. ( that's not a standing instruction ) Due to the Bug application of Bank Mobile application the transaction happed. I complaint to bank customer care and closed my card to investicate the transaction. bank raised a complaint and closed the complaint with out intimation. By the time I ased the bank to provide the Login history for the specifi date 28 & 29 th Nov 2015 but they are not ready to provide the histroy Since they Identified the Issue. I called them several time for the status, they are not take care about my Money. I suffered, suffering a lot to get back the Money, and credit card bill is increasing stilllll, Even If the  bank is India's No.1 in customer service, I don't want to continue with them.

Answer 1

Dear Emeey

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

If  there was no standing instruction given, then the Bank is not in order in debiting the amount second time to your account.  However, if the same transaction is carried out, may be due to a bug as being stated, the amount would have gone to the account of friend of your brother.  If so, where is the problem?  If the amount is debited / transferred by bank, probably towards some other dues pertaining to you, do seek a clarification from them.  No bank would resort to debiting amount to their customers, just like that.  I assume that the amount would have been set off towards your credit card dues.  However, if it was a debit to your account without any reason by the bank, you should be complaining to them in writing and in the absence, may even file a complaint with Banking Ombudsman.

RAJA