Lalu Mandal, a Sales Manager at Poonawalla Fincorp, publicly accuses HDFC Bank of auto deducting money from his account without any prior notice or SMS alert. The complaint is now being escalated to the RBI. Full details reported by Choice4Voice.com
HDFC Bank Auto-Debit Scam? Sales Manager Alleges Money Deducted Without Notice | Complaint Filed
| Complainant Name | Lalu Mandal |
|---|---|
| Professional Role | Sales Manager, Poonawalla Fincorp |
| Bank Involved | HDFC Bank / HDFC Limited |
| Issue Reported | Unauthorized deduction from savings account |
| Account Number | HDFC Bank – 50100201771585 |
| Date of Incident | August 2, 2025 (as per post timing) |
| Communication Received | None – no notice or SMS before deduction |
| Action Taken by Bank | None so far |
| Escalation Threat | Complainant has warned of formal complaint to RBI |
| Source of Complaint | LinkedIn (Public Post) |
| Contact Info (from post) | 9934797786 |
HDFC Bank Faces Serious Allegations of Unauthorized Account Debit Without Notice
Lalu Mandal, a Sales Manager at Poonawalla Fincorp, has taken to LinkedIn to publicly accuse HDFC Bank of withdrawing money from his savings account without any prior communication no SMS, no email, and no warning.
According to Mandal, an amount was “auto-cut” from HDFC Bank Account No. 50100201771585 without authorization or consent. This kind of unauthorized bank deduction can potentially violate RBI’s banking and fair practices guidelines.
What Happened?
In a post made publicly visible to over 900 million LinkedIn users, Mandal wrote:
“HDFC Bank, why deduct my account return amount? Otherwise, we will be forced to complain to RBI. Without any notice or message, amount is auto-cut from account.”
This statement indicates:
- A return amount was allegedly taken by the bank
- No prior message or notification was issued
- Mandal is ready to escalate the issue to the Reserve Bank of India (RBI)
Is This Legal? What RBI Says About Unauthorized Auto-Debits
According to the RBI’s Fair Practices Code for Banks, any debit transaction initiated by a bank must follow these conditions:
- Pre-debit notifications must be sent via SMS/email
- The customer must authorize the debit or be informed about recurring mandates
- In case of auto-debit due to failed EMIs or cheque bounce, penalty charges must be communicated
- Unauthorized deductions must be reversed promptly if challenged by the customer
In Mandal’s case, if these protocols were not followed, HDFC Bank could be liable for compensation.
Choice4Voice.com Demands Accountability from HDFC Bank
At Choice4Voice.com, we are dedicated to bringing such financial negligence into the spotlight. Unauthorized bank deductions are not just technical errors they cause:
- Financial stress
- Trust erosion
- Damage to customer loyalty
- Legal risks for the bank involved
We demand that HDFC Bank immediately address Lalu Mandal’s complaint and issue a full explanation, refund (if applicable), and apology.
What You Can Do If Your Bank Deducts Money Without Notice
If your account is debited without warning:
✅ Immediately raise a written complaint to your bank’s grievance officer
✅ Lodge a formal complaint with the RBI Complaint Management System: https://cms.rbi.org.in
✅ Keep all transaction IDs, screenshots, and SMS records
✅ Publicly escalate on platforms like LinkedIn for visibility
✅ Report your case to Choice4Voice.com, and we’ll publish it to demand resolution
Submit Your Case to Choice4Voice.com – Get Action, Not Excuses
Choice4Voice.com is India’s leading consumer advocacy platform where your ignored complaints find a voice. If your issue is genuine and unresolved:
- We’ll investigate and publish your complaint
- Tag companies on LinkedIn and social media
- Help escalate to the right authorities
- Push companies to act, respond, and resolve
👉 File your complaint now at www.Choice4Voice.com
Disclaimer:
This article is based on a public complaint posted by Mr. Lalu Mandal on LinkedIn. Choice4Voice.com does not confirm the factual accuracy of the bank transaction but supports the right of every citizen to raise legitimate concerns.
