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Submit your complaint →Jatin Saini shares how his company faced a debit card fraud in the US just before salary day and later a salary transfer error. Choice4Voice.com explains the issue, legal remedies, and how companies and employees can protect themselves.
Complaint Summary : Salary Fraud & Debit Card Scam: Jatin Saini’s Experience | Choice4Voice.com
| Details | Information |
|---|---|
| Complainant Name | Jatin Saini |
| Not disclosed | |
| Complaint Type | Banking Fraud / Salary Transfer Error |
| Company/Brand | Indian Bank (Name not disclosed) |
| Incident 1 | Debit card fraud in the US (₹6,000 on pizzas, ₹8,000 at a store) |
| Incident 2 | Salary miscredited to ex-employee with same name |
| Issue Description | Debit card details leaked via US-based AI tool, unauthorized transactions processed (no OTP in US). Later, salary meant for a new employee was mistakenly credited to an ex-employee due to identical names. |
| Company’s Response | Bank froze account, blocked card, restored account by 5th July. Ex-employee voluntarily returned salary within 5 minutes. |
| Location | India (fraud occurred in the US due to international card usage) |
| Date of Incident | 28th June – 10th July, 2025 |
Full Complaint Write-up
Jatin Saini, a personal branding expert, narrated a real-life financial scam incident his company faced just before salary day.
Incident 1: Debit Card Fraud
- On 28th June, his company debit card was fraudulently used in the United States for two unauthorized transactions – ₹6,000 spent on pizzas and another ₹8,000 at a store.
- No one from the company was in the US at the time.
- The fraud happened because US transactions do not require OTP authentication, unlike India.
- The card details leaked through a US-based AI tool subscription.
- Fortunately, his colleague Peeyush flagged the fraud instantly, and the bank:
- Froze the account
- Blocked the card
- Initiated investigation
- However, the timing was sensitive – it was just two days before salary disbursement.
Incident 2: Salary Transfer Error
- The account was restored on 5th July, and salaries were credited to employees.
- But on 10th July, a new employee, Vanshika Jindal, messaged HR asking why her salary hadn’t been credited.
- On investigation, it was discovered that her salary was mistakenly credited to an ex-employee named Vanshika Gandhi.
- To everyone’s relief, the ex-employee returned the money within 5 minutes, showing professional ethics and goodwill.
This story highlights both the threat of digital banking fraud and the importance of trust, ethics, and quick resolution in the workplace.
How Choice4Voice.com Can Help
At Choice4Voice.com, we help both individuals and businesses in such cases:
- Banking Fraud Cases: We guide victims on filing complaints with the RBI Ombudsman, Cybercrime Department, and local police.
- Salary Dispute Cases: We assist employees in filing formal complaints in case of salary delays or wrongful transfers.
- Pre-Drafted Templates: Providing ready-to-use complaint formats for banks, police, cybercrime portals, and consumer forums.
- Awareness: Educating consumers and companies about fraud prevention, salary protection, and secure digital payments.
Legal Cases That Can Be Filed
- Cybercrime Complaint (IT Act, 2000 – Section 66C & 66D) – For debit card fraud and data theft.
- Cheating & Fraud (IPC Section 420) – Unauthorized usage of card details.
- Criminal Breach of Trust (IPC Section 406) – If salary amount was deliberately misused.
- Consumer Protection Act, 2019 – Complaint against the bank for failing to secure international transactions.
Departments Where Complaints Can Be Filed
- Cyber Crime Portal (cybercrime.gov.in) – For online fraud reporting.
- RBI Ombudsman – For disputes with the bank regarding unauthorized transactions.
- Local Police / Cyber Cell – For filing FIR against card fraud.
- Labour Commissioner – For salary disputes in case of non-refund.
- Consumer Forum – For service negligence by the bank.
Step-by-Step Complaint Filing Guide
- Report immediately to the bank and block the card.
- File a cybercrime complaint at cybercrime.gov.in.
- Submit written complaint to RBI Ombudsman if bank delays resolution.
- File FIR at nearest police station for unauthorized usage.
- In case of salary miscredit: Notify HR and request correction, and if unresolved, escalate to Labour Commissioner.
Pre-Drafted Complaint Templates
RBI Ombudsman Email Draft
To: crpcell@rbi.org.in
Subject: Complaint Against Unauthorized Debit Card Transactions
Respected Sir/Madam,
I am writing to report fraudulent debit card transactions on 28th June, amounting to ₹6,000 and ₹8,000, conducted in the US using my company’s debit card. The transactions were unauthorized, and the bank failed to prevent them due to lack of OTP authentication in the US.
I request an immediate investigation, reversal of transactions, and compensation for the inconvenience caused.
Sincerely,
[Complainant’s Name]
Cybercrime Portal Complaint Draft
To,
Cybercrime Department of India
Subject: Online Banking Fraud – Unauthorized International Transactions
Respected Authority,
I wish to file a complaint regarding unauthorized international transactions carried out on my debit card on 28th June, amounting to ₹14,000. These transactions originated in the United States without my authorization.
Please register this complaint under IT Act Section 66C & 66D and take strict action against the fraudsters.
Sincerely,
[Complainant’s Name]
Author Section
Jatin Saini is a well-known personal branding strategist for CEOs, VCs, and founders. Through his personal experience, he shed light on how digital fraud can disrupt organizations and how honesty and integrity among employees can prevent bigger crises.
Q&A Section
1. How did the debit card fraud happen?
The company’s debit card details leaked via a US-based AI tool. Since US transactions don’t require OTP, unauthorized charges were processed.
2. Why are US card transactions riskier than Indian ones?
Because OTP-based two-factor authentication is not mandatory in the US.
3. What should be the first step after detecting card fraud?
Immediately report to the bank, freeze the account, and block the card.
4. Can banks be held liable for international frauds?
Yes, banks are liable under RBI’s Customer Protection Guidelines if negligence is proven.
5. How to recover money lost in debit card fraud?
File complaints with bank, RBI Ombudsman, and cybercrime portal. Refund eligibility depends on reporting time.
6. What legal provisions apply to debit card fraud in India?
IT Act, 2000 (Sections 66C, 66D) and IPC Section 420 (cheating).
7. Can salary be miscredited legally?
Yes, mistakes happen due to identical names or account mapping errors. The rightful employee can claim correction.
8. What if an ex-employee doesn’t return miscredited salary?
The employer can file a case under IPC 406 (Criminal Breach of Trust).
9. Can Choice4Voice.com help in salary disputes?
Yes, we assist employees with templates, escalation channels, and legal remedies.
10. What role does RBI Ombudsman play in fraud cases?
It acts as the appellate authority for unresolved bank complaints.
11. Can international AI tools leak financial details?
Yes, if not secured properly, AI tools or third-party services may leak sensitive data.
12. How to prevent salary miscredit?
By using employee code-based transfers instead of name-based payments.
13. What happens if bank delays reversing fraud transactions?
The customer can escalate to RBI Ombudsman and Consumer Forum.
14. Is returning miscredited salary mandatory?
Yes, legally the recipient must return it, failing which it becomes a punishable offense.
15. Can companies claim losses due to banking fraud?
Yes, through insurance coverage, legal action, and RBI-mandated liability clauses.
16. What should employees do if their salary is delayed due to fraud?
Seek clarification from HR, and if unresolved, approach Labour Commissioner.
17. Can OTP be enforced for US transactions?
Currently, no. But Indian users can disable international transactions unless required.
18. What is the time limit for reporting fraud?
As per RBI, report within 3 working days to ensure zero liability.
19. Can cybercrime police trace international fraudsters?
Yes, via Interpol requests and financial trail tracking, but it takes time.
20. How does this case inspire workplace trust?
Despite the scam, the ex-employee’s honesty and quick action reinforced the value of ethics in professional life.
