Reserve Bank Of India [RBI] — debit without any otp generation

Address:

Kolkata, West Bengal, 700040

Dear Sir.

I am Vivek chowdhury director of feather touch impex Pvt ltd having a savings bank account in Yes bank .

This has reference to the 2 fraudulent debit from my account no : [protected] with account holders name: : Vivek Chowdhury. in your tollygunge branch Kolkata .

Copy of F.I.R and debit Card submission in bank branch tollygunge is attached herewith for your ready reference.

My account was debited on 16.01.2018 & 17 .01.2018 using my debit card details from Indonesia (as told by branch manager Tollygunge) at that time i was in india and went to your bank branch immediately after the debit alert received.

on first day after the debit from my account i visited the branch and informed the manager about this that i have not received any OTP so how my account has been debited & asking them to do the needful so that further fradulent debit could not occur .

Kindly check your CCTV footage which proves that vivek Chowdhury the account holder and My manager Mr Pawan kumar went to the bank and stayed their over an hour .
on our visit manager took out the print of our account statement and suggested us that this transaction was perhaps made by vivek chowdhury and this will/ may not happen again since he was not sure.

i asked him to close my account so that no more ( any kind of debit ) transactions can be made from my account ..

My purpose of going to the branch was clearly indicating that
1- i wanted to get back my money since it has been debited without my knowledge or providing OTP.
2- branch will make an arrangement that this does not happen again.

Next day again my account was debited in the same way and now i received a call from yes bank debit card department informing that they have blocked freezed my debit card. which was very good .

My total debit was : RS 119114.64 ( one lac nineteen thousand one hundred fourteen and sixty four paisa only)

after this incident i again went to the branch, made a police complaint ( attached) handed over my debit card to the branch for destroying .

finally i got the confirmation from the branch manager that i will get my money back within few days as my account has been insured so bank will credit the amount back.

after 2-3 weeks we got the credit in our account for both days fraudulent amount, so we were very thankful to yes bank.

unfortunately again my account was debited by yes bank after 2 weeks saying that they have not received the full amount from the insurance company so they will only give half
of the amount only.

This is very bad as i have put my money in yes bank and they have given us shock by playing with this technical word like temporarily credit / debit, insurance etc

our only request is that as we have opened our account with yes bank and my account is insured then it should be solely yes banks responsibility to reimburse my account if someone has
misused my card details and i was not given any OTP no etc.

kindly do the need ful so that they credit my account with the whole amount which was debited from my account Rs: 119114.64 .

Thanking you and looking forward to your sincere response .

your sincerely

vivek chowdhury
account holder