Anuj Mishra alleges Jupiter & Federal Bank deducted ₹38,000 without alerts, refund, or explanation. Choice4Voice.com highlights this case, outlines customer rights, and possible legal remedies under RBI and Consumer Law.
Complaint Summary
| Field | Details |
|---|---|
| Customer Name | Anuj Mishra |
| Complaint Type | Unauthorized Debit / Refund Denied |
| Company/Brand | Jupiter & Federal Bank |
| Amount Involved | ₹38,000+ |
| Incident Date | 15th August 2025 |
| Complaint Reference | Silent unauthorized debit |
| Issue Description | Money deducted without notification, misleading replies, impersonation of grievance officer, and wrongful case closure. |
| Customer Demand | Immediate refund of ₹38,000 and accountability from Jupiter & Federal Bank. |
| LinkedIn Source | Original LinkedIn Post |
Complaint Details
On 15th August 2025, Anuj Mishra discovered that over ₹38,000 was debited silently from his Jupiter–Federal Bank account. The most concerning aspects of this case are:
- No SMS alert, no email, no in-app visibility for the transaction.
- Despite 25+ emails from the customer, the bank responded only with 3–4 vague replies.
- Fake promises of callbacks that were never honored.
- An employee allegedly impersonated the Grievance Officer, misleading the customer.
- Ultimately, the complaint was marked “resolved” without refund or explanation.
Anuj calls this daylight robbery disguised as banking, highlighting harassment, misrepresentation, and cheating. For a bank that promotes itself as a “trusted financial partner,” this incident has severely damaged credibility.
Choice4Voice.com Representation
At Choice4Voice.com, we feature genuine customer complaints posted in the public domain on LinkedIn to give them wider visibility.
- This article is published on behalf of the complainant to raise awareness and put pressure on the responsible companies.
- Featuring a case on our website and LinkedIn is the first step in the process.
- If the company (here, Jupiter Bank & Federal Bank) refuses to resolve the issue:
- Our legal team can file a case on behalf of the complainant, or
- We can guide the complainant through the legal process step by step.
This ensures that consumers are not left helpless against large institutions.
Which Legal Cases Can Be Filed in This Matter?
If Jupiter & Federal Bank fail to resolve this issue, multiple legal avenues are available:
- Consumer Protection Act, 2019
- File a complaint in Consumer Court for deficiency in service, misrepresentation, and harassment.
- Compensation can be claimed for financial loss + mental agony.
- RBI Banking Ombudsman
- Escalate for unauthorized electronic debit without customer consent.
- RBI mandates that customers must be informed of all debits through SMS/email.
- Indian Penal Code (IPC)
- Section 403 – Dishonest misappropriation of property.
- Section 420 – Cheating and dishonestly inducing delivery of property.
- Section 419 – Punishment for impersonation (as grievance officer).
- Information Technology Act, 2000
- Filing a cyber complaint for unauthorized electronic transactions.
- Civil Suit for Damages
- For compensation due to financial and reputational loss.
By pursuing these options, the complainant can ensure accountability and prevent such cases from repeating for other customers.
Key Issues Raised in This Complaint
- ₹38,000 unauthorized debit without any notification.
- Failure of transparency in communication from the bank.
- Impersonation of grievance officer, which is a criminal offense.
- Case wrongly closed as “resolved” despite refund being denied.
- Customer left financially and mentally distressed with no resolution.
Customer Rights & Remedies – Q&A Section
1. Can a bank deduct money without informing the customer?
No. RBI mandates that every debit must be communicated through SMS/email immediately. Silent debits are a clear violation.
2. What should a customer do first in case of unauthorized debit?
Immediately raise a written complaint with the bank and keep the acknowledgment.
3. If the bank ignores the complaint, what is the next step?
Escalate to the bank’s nodal officer and then the RBI Banking Ombudsman.
4. Can the RBI Banking Ombudsman order refunds?
Yes. The Ombudsman can direct banks to refund amounts with compensation.
5. What action can be taken if a grievance officer impersonation occurs?
File a criminal complaint under IPC Section 419/420 for impersonation and cheating.
6. Can mental harassment by banks be compensated?
Yes. Under the Consumer Protection Act, complainants can claim damages for harassment.
7. What evidence should customers keep for filing?
- Emails sent and received
- Call recordings
- Bank statements
- Screenshots of app notifications (or lack thereof)
8. Is closing a complaint without refund legal?
No. A complaint cannot be marked “resolved” without the customer’s consent or final settlement.
9. Can Choice4Voice.com support complainants legally?
Yes. Choice4Voice.com can either file a legal case on behalf of the complainant or guide them in approaching the right forums.
10. How long does it take for RBI Ombudsman to respond?
Typically 30 days after receiving the complaint, but timelines may vary.
11. What if the Ombudsman decision is unsatisfactory?
Customers can appeal to the Appellate Authority at RBI within 30 days.
12. Can FIRs be filed against banks?
Yes, if there is criminal intent like impersonation or cheating.
13. Can cyber complaints be filed for unauthorized debit?
Yes. The IT Act, 2000 covers unauthorized online/electronic transactions.
14. What financial compensation can be claimed?
- Refund of unauthorized debit
- Interest on the deducted amount
- Compensation for mental distress
15. How to prevent silent debits in the future?
- Enable SMS/email alerts
- Regularly check statements
- Set daily debit limits on accounts
16. What is the liability of banks under RBI’s zero-liability policy?
If unauthorized debit occurs without customer fault, the bank must refund the full amount.
17. Can misrepresentation by bank staff be challenged?
Yes. It qualifies as unfair trade practice under Consumer Law.
18. Can a civil case be filed in parallel?
Yes. Customers can file a civil recovery suit in addition to consumer court cases.
19. What happens if the bank continues to ignore RBI orders?
Non-compliance can lead to penalties from RBI and further escalation in High Court.
20. How does Choice4Voice.com ensure accountability?
By featuring such cases on website + LinkedIn, creating public pressure and guiding complainants to pursue legal action if unresolved.
21. How does this case affect other customers?
It serves as a warning to check accounts regularly and raises awareness of banks’ accountability.
Conclusion
This case highlights how Jupiter Bank and Federal Bank allegedly debited ₹38,000 silently, misled the complainant, impersonated grievance officials, and wrongfully closed the complaint.
Such practices violate RBI guidelines, Consumer Protection Act, and IPC provisions.
At Choice4Voice.com, we are committed to ensuring that such voices are heard, companies are held accountable, and complainants get both justice and refund.
