Kulbhushan Chhabra reports unauthorized debit of ₹1,05,507.08 from his HDFC Bank account. Despite reporting within 20 minutes, the bank blamed “customer breach” without proof. Full complaint on Choice4Voice.com
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Complaint Summary : HDFC Bank Complaint: Unauthorized Transaction of ₹1,05,507.08 Ignored Despite Immediate Reporting – Kulbhushan Chhabra
| Field | Details |
|---|---|
| Complainant Name | Kulbhushan Chhabra |
| Email ID | Not Provided |
| Complaint Type | Unauthorized Transaction / Banking Negligence |
| Company/Brand | HDFC Bank Ltd. |
| Disputed Amount | ₹1,05,507.08 |
| Complaint Reference No. | 78113873 |
| ACK Number | 31307250053654 |
| Issue Reported | Unauthorized transaction despite immediate grievance |
| Action Requested | Re-investigation, detailed transaction logs, escalation to higher authority |
| Original Source | LinkedIn Post by Kulbhushan Chhabra |
Full Complaint Write-Up
Mr. Kulbhushan Chhabra, a consumer from the spare parts distribution sector, has raised a strong grievance against HDFC Bank Ltd., alleging failure to protect his account from fraud.
Case Details:
- An unauthorized transaction of ₹1,05,507.08 was detected.
- The complainant raised the grievance within 20 minutes of the fraudulent activity.
- Despite the immediate report, no preventive action was taken by the bank to stop or reverse the transaction.
- Instead of investigating, the bank issued a standard reply blaming “customer breach” without proof.
- Mr. Chhabra confirmed he did not share Customer ID, IPIN, or OTP with anyone.
Consumer’s Key Demands
Kulbhushan Chhabra has requested HDFC Bank to:
- Re-investigate the unauthorized transaction with due diligence.
- Share a detailed investigation report with system logs and proofs of execution.
- Escalate the matter to a higher grievance redressal authority instead of closing the case with a template response.
- Provide clarity on why no preventive measures were taken despite the incident being reported within minutes.
Escalation Threat
Mr. Chhabra has clearly stated that if the issue is not resolved promptly, he will escalate the matter to:
- RBI Ombudsman
- Cyber Crime Authorities (with ACK No. 31307250053654)
- Consumer protection platforms like Choice4Voice.com
Larger Concerns Raised
This case highlights serious concerns around customer security in online banking:
- Why are customers blamed without forensic investigation?
- Why did HDFC Bank fail to act within the critical first few minutes?
- How can customers trust the bank’s fraud monitoring system if such large unauthorized debits go unchallenged?
Choice4Voice.com’s Stand
At Choice4Voice.com, we believe that banks must be held accountable for protecting customers’ hard-earned money. Issuing standard template replies and blaming customers without proper investigation is unacceptable.
We urge HDFC Bank to:
- Conduct a transparent re-investigation
- Share complete transaction logs with the customer
- Strengthen fraud detection & response mechanisms
Frequently Asked Questions (FAQs)
Q1: What should I do if I detect an unauthorized transaction in my bank account?
Immediately block your card/account, report to the bank, file a cybercrime complaint, and note down the acknowledgement number.
Q2: Can banks refuse liability by blaming customers for a “breach”?
Banks must prove negligence with evidence. Customers cannot be held responsible without proof of sharing credentials.
Q3: How fast must fraud be reported to the bank?
As per RBI guidelines, customers should report fraud within 3 days to limit liability. Mr. Chhabra reported within 20 minutes, yet no action was taken.
Q4: What is RBI’s rule on unauthorized transactions?
If reported promptly, the bank must reverse/compensate unauthorized debits unless proven customer negligence.
Q5: Can a bank reverse large transactions after fraud detection?
Yes, if informed quickly, reversal requests can be placed. Delay in response raises concerns about system efficiency.
Q6: What is an ACK number in cybercrime complaints?
It is the Acknowledgement Number generated when a fraud is reported to the Cyber Crime portal.
Q7: Who can a consumer approach if the bank fails to respond?
- RBI Ombudsman
- Cyber Crime Cell
- Consumer Court
Q8: What evidence can help in fraud disputes?
- Call/email records with the bank
- Complaint reference number
- ACK number from cybercrime portal
- Proof of timely reporting
Q9: Can a customer’s credit score be impacted due to fraud?
Yes, if not resolved, fraud-related dues can affect credit scores. Immediate escalation is important.
Q10: Is customer liability zero in fraud cases?
Yes, if the fraud is reported within 3 working days, as per RBI guidelines.
Q11: Why do banks issue template replies?
Often due to workload or standard policy. However, serious fraud cases require detailed investigation reports.
Q12: Can customers demand system logs from banks?
Yes, customers can request transaction logs and IP details for transparency.
Q13: What is the role of the RBI Ombudsman in such disputes?
The Ombudsman resolves complaints where banks fail to provide fair redressal.
Q14: How can cybercrime authorities help?
They can trace fraudulent accounts, block funds, and investigate digital frauds.
Q15: What rights do customers have in digital fraud cases?
Right to transparency, right to compensation, and right to timely resolution.
Q16: Can Choice4Voice.com help in fraud-related cases?
Yes, we publish verified cases, amplify awareness, and push companies to act faster.
Q17: Is negligence always the customer’s fault?
No. Systemic lapses, delayed action, or weak security can also be bank negligence.
Q18: What is the timeframe for resolution under RBI?
Banks must resolve complaints within 30 days.
Q19: Can escalation on LinkedIn or public forums help?
Yes. Public awareness often puts pressure on banks to resolve issues.
Q20: What preventive steps can customers take?
- Enable SMS/Email alerts
- Regularly monitor accounts
- Report immediately if suspicious activity is detected
✅ If you are also facing unauthorized transaction issues with banks, you can submit your case at Choice4Voice.com for wider visibility and stronger consumer advocacy.
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Simply write a LinkedIn post and tag our official page Choice4Voice.com
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Despite multiple follow-ups, the branch team has still not been able to provide the account details where the disputed amount was credited. I would like to highlight that the grievance was registered within 20 minutes of the transaction, and ideally, the Bank should have blocked the transaction immediately.
After 28 days of waiting, I have only received a generic response stating that there is no issue from the Bank’s side. This is highly disappointing and gives an impression that the customer’s concerns are being neglected. I have been waiting for 30 days for a resolution, but no concrete action has been taken so far.
For your reference, I have also registered the grievance with the Cyber Cell on 28th July (Acknowledgment No. 31307250053654).
I request you once again to take this matter seriously and arrange for the reversal of the disputed amount at the earliest. I expect a fair resolution from the Bank without further delay.
Awaiting your urgent response.