Reserve Bank Of India [RBI] — dipti chatterjee fraudulent transaction complaint, dt 29/05/18 sb account[protected] service request sr[protected].

Address:

Kolkata, West Bengal, 700001

Dear sir

Complaint with reference to the above was made on your site on 29/05/2018 & the same was closed on 30/05/2018 based on the credit of the below amount reflecting in the account. However on closer scrutiny it was noticed that the credit was shadow entry & was reflected based on the complains made to the bank. The bank however continues to deny the responsibility & give below some of the recent correspondence with the bank. The amount now adds to rs 45170/- not as mentioned earlier

So they have assumed a fault keeping provision in the account but reluctant for acceptance and continued to correspond on the subject. Cyber complaint has been filed & though informed of receipt earlier will renew the complaint. With them. I give below some further areas which reaffirms my belief of internal systems being compromised which i have also informed the bank.

The sequence below explains lack of internal control & needs to be thoroughly investigated

1) the transaction is online as confirmed by bank
2) hence first the bank internet process ie password & id has to be hacked
3) the payee needs to be registered for any online transfer of fund & the same were not registered payee in the account
4) to use the debit card all the above process should be hacked or violated
5) if the bank checks the record never in the past was debit card used for online transaction nor otp used as the mobile number was not registered.
6) all transaction till date was used using debit card grid which i thought was very safe even if some of above is not adhered

Hence it is clear that unless the system is compromised internally this transaction cannot happen.

I expect a reply to each of the above points to understand the failure