FRAUD TRANSACTION BY NEGLIGENCE OF BANK

My name Chittranjan Khandai having address 1713 Dabua Colony, NIT faridabad, Haryana 121001. I have a bank account in Central Bank of India, PLOT NO.50-51,OPP EICHER FACTORY NEAR CENTRAL BANK having account number 3022804165 IFSC CODE CBIN0283242.

On 12th of June i have given a account payee cheque of Rs 110 to one of loan agent in favour of Vijay bank. he said he is taking this cheque as verification purpose.

Later on the same date he had made some changes in my cheque, he converted my account payee cheque into self cheque of Rs 3,10,000 and encashed this amount from my home branch.

Bank made following negligence while providing the cash.

1) In central bank of India there is staff circular which i confirmed from employee of the central bank of India different branch at the same place that bank needs to confirm from the customer if the cash amount is more than 50 thousand however they haven't confirm me before providing the cash amount.

2) Bank has not taken any ID address proof of that person before providing the huge amount of cash Rs 3,10,000 to that person.

3) Fraud person make a note behind the cheque that pay this amount to Sunil Kumar and did the signature which are not matching with front side signature.

4) I haven't received any SMS alert of that fraud transaction, also same day i have withdrew Rs 2000 before fraud transaction for which i haven't received any SMS alert I came to the balance via my mobile application in the evening. As per RBI rule or central bank compensation policy 2019-2020 customer must receive SMS alert of his transaction.

4) After two days i have transfer my balance amount Rs 20000 left after fraud transaction to my another account via cheque then i instantly got the SMS which means something was wrong in my account on fraud transaction day. i haven't received any sms of two transactions for that day.

5) If i would have received that sms alert then i definitly stop that transaction by calling to bank or customer care.

6) I asked from the manager that it was the unusual transaction in my account. i would never withdrew whole amount so why i wasn't informed before providing the cash to the person. Manager said we would inform you if your cash is more than 10 lakh, This was the ridiculous statement because 90 percent of saving account doesn't have 10 lac rupees.

7) Manager just want to run away from their liability so that bank wouldn't pay the amount. I confirmed from central bank employee that central bank have circular that customer must be informed if the cash is more than 50,000 rupees.


8) Manager has not provide me video footage he was charging Rs1500 as a technician charge so i denied to pay that amount so they haven't provide me video footage.

Either any bank employee is involved in that fraud or there is total negligence by the bank otherwise this fraud couldn't possible because the bank has so much compliances before providing such huge amount of cash on self cheque to third party.

The above points are enough to prove that bank has so much negligence in fraud transaction.

This amount matters so much for me. This amount is number of year of saving

I have filed complain to central bank head office or RBI but still it is pending. Kindly look into this issue & take necessary action against the bank.

Chittranjan Khandai
8802910474