State Bank of India — Unauthorized Debit of 56,600 via Previously Returned & Destroyed Cheque Immediate Action Required

To
The Branch Manager
State Bank of India
Khatiwala Tank Branch, Indore

Date: 5th May 2026

Subject: Unauthorized Debit of ₹56, 600 via Previously Returned & Destroyed Cheque – Immediate Action Required

Dear Sir/Madam,

I am writing to bring to your urgent attention a serious discrepancy and unauthorized debit from my bank account. The payee is not responding seriously for this transaction. He has taken the amount fraudulently from me in a separate transaction as well.

Details of the issue are as follows:

Cheque Number: 403010

Amount: ₹56, 600

Drawn on: Bank of India, Khandwa Branch

Payee Name: Mr. Divender Singh Kapoor

1- The above cheque was earlier returned unpaid (Return Memo dated 02-MAR-2026, reason: “Item Listed Twice”).
2- The cheque was subsequently destroyed by the payee, for which I have photographic evidence.
3- Based on this, I made a separate RTGS payment of ₹56, 600 to settle the dues.
4- However, I now observe that the same cheque has been processed and debited later, resulting in double payment.
This raises serious concerns regarding:

Possible fraudulent re-presentation using cheque image (CTS misuse)

Duplicate clearing or banking system error

Unauthorized processing despite cheque being invalid and destroyed

In view of the above, I request you to:

Immediately reverse the unauthorized debit of ₹56, 600 to my account.

Block / freeze the beneficiary account (Mr. Divender Singh Kapoor) pending investigation.

Initiate an internal investigation and share findings with me in writing.

Confirm why a cheque that was already returned and destroyed was allowed to be processed again.

Please note that this matter involves potential financial fraud and negligence.

I am attaching the following documents for your reference:

Return Memo Report

Photographic evidence of torn cheque

Account statement showing debit entry

Kindly treat this matter as URGENT and resolve it at the earliest.

Yours faithfully,
V A Overseas
Account Number- [protected]
Contact Number[protected]

Attachments:

Return Memo Copy

Cheque (Torn) Image Proof

Bank Statement Screenshot