Amount debited from my current account without my permission-fraud case?

Question

Dear Sir, I would like to inform you that i hold current account Kaushambi Branch, Ghaziabad. Yesterday on 4th November, 2015, I received 2 messages on my number which is registered in my account, the amount of Rs. 29627/- and Rs. 2782/- debited from my account which was not done by me. The card was with me at that time and nobody was using it. Then, I rushed to my branch to get information that how it is possible when i am not using my card and net banking option then how the amount is debited from my account. I already filled the disputed form in bank and lodge complaint in cyber crime cell. I would like to request you to please take necessary action on the above matter and solve my issue. Also, i would like to request for refund my money as earlier as possible.

 

Answer 1

Mr Sushant,

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 query / complaint / grievance in respect of financial services.  This site does not belong to any Bank or a Regulator, which may please be noted.

As regards unauthorised debits from your current account, you have already filled up the dispute settlement form. Now Bank will verify your claim and credit back your account in due course of time. You have not mentioned in your complain about the mode of withdrawal I.e. Using debit card or net banking. You have also lodged a complaint with Cyber Crime Cell, which make me believe that funds were withdrawn by using net banking facility. There is two factor authentication while using net banking, hence without having OTP that comes on your registered mobile it is not possible to authenticate the debit transaction.

Regards

Deepak