HDFC Bank — Fraud Transaction of Rs. 99000

Address:

Mehkar, Buldhana

Respected Sir,
Myself Amit Kumar Sharma, resident of Mehkar (PIN-443301)Dist.- Buldhana (Maharashtra). I am having a savingaccount in HDFC Bank at HDFC Mehkar Branch whose no. is [protected] and the IFSC code is – HDFC0009549.
On 18th May 2022, Booked a bus ticket from Mehkar to Nasik worth Rs. 2625 and due to some change in plan cancelledthe same ticket on the same day. The ticket was booked from GOIBIBO app, which is a travel booking company.GOIBIBO send message that cancellation confirmed and return initiated for worth Rs. 2495 after deducting cancellationcharge of Rs. 130.
We as a family were following them for the refund since 25th May after 7 days of cancellation. They told that will be doneby 2nd June. But when not get received they told to contact HDFC after providing the RRN number [protected]. Ipersonally what’s app this to Mr. Kulkarni sir on 9th June to check but didn’t got any reply.
We were totally frustrated after following with GOIBIBO for not getting the refund. On 27th June again talked withGOIBIBO customer care, they again asked to wait for 48 hours.
On 28th June 2022 got a call from having number
[protected]
saying that he is calling from GOIBIBO, his true calleridentity was also showing GOIBIBO refund team, importantly he was totally aware regarding the ticket, amount, refundamount, HDFC bank account etc., so this didn’t created any doubt on my mind. During the long conversation with him hetold me to download GOIBIBO refund app from Google Playstore in my mobile & after that he debited Rs. 99000 frommine above said account at 15:24.
My concern is that apart from downloading that app I didn’t share any OTP to him and nor shared my customer ID orpassword for the transaction.
Secondly the fake app downloaded on my mobile and the HDFC bank SMS comes onwife's mobile as that number is registered with my account. Than how the amount get deducted? As How thehacking of wife's handset done?
Immediately after getting the debit message I with my wife rushed to bank at around15:40 (Can check bank camera ) and asked Miss Dipali to stop that transaction but she said that already deducted andcan’t help and go to Police Station to lodge FIR.
I
have lodged a FIR at PS after that. But having questions that -
1.Why HDFC didn’t act immediately to stop or pull back the transaction? Acted only after next day when BM came atbranch.
2.HDFC staff also didn’t told to contact HDFC customer care to block account. Why? This was done only after PoliceStation officer told.
3.Why didn’t provided the account detail, where the amount deposited? If it’s an wallet than surely that will be connectedwith account or app? And if I am not wrong anyone can't transfer money from wallet in minutes.
4. Is the security of the HDFC is so loose that anyone can hack the OTP n transfer amount from anyone’s account?
5.Why & How without sharing the OTP fund get transferred?
6.For a minute I have done the mistake by downloading the app but this does mean that HDFC will allow the culprits to dothe fraud?
Sir, I am from middle class family and only the bread butter earner, Have to take care of another 2 family i.e. My in laws(atNasik, & both are senior citizen & no son ) and sister(at Aurangabad alone as Brother in law passed away) as no one is intheir family employed or earner, as residing alone. The fund was saved literally by cutting expenses from my hard earnedsavings
I am sure someone leaked my data too, otherwise how he knows all information regarding me?, How he knows that I amhaving more than 1 lacs in my saving and pulled 99000 only? Why not more?
Gone through the RBI circular too as per that, (PDF attached and link shared below), I am entitled to get the amount backas it's being banks responsibility to complete the insurance formalities from the cyber fraud insurance.
https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=11040
I request you to please check as it’s being my negligence & HDFC bank’s fault also and reverse back the fund to myaccount. I hope will understand and take care of that, and take necessary steps to get refund of the same.