08/08/2024
๐๐๐ ๐๐ฅ ๐๐ก๐จ๐ซ๐ญ๐ฌ | ๐๐ฆ๐ฉ๐จ๐ซ๐ญ๐๐ง๐ญ ๐๐๐ ๐๐ฅ ๐ง๐๐ฐ๐ฌ ๐๐ซ๐จ๐ฎ๐ง๐ ๐ฒ๐จ๐ฎ!
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๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐๐ ๐๐๐ ๐๐๐๐๐๐ ๐๐ ๐๐๐ ๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐.
The Complainant held a savings account with HDFC Bank and had an ATM/debit card linked to it. When he tried to withdraw money, he found that Rs. 35,000 had been withdrawn by someone else. Although the Bank typically notifies account holders of transactions via SMS, the Complainant did not receive any such alerts. He visited the Bank several times to resolve the issue, but his concerns were disregarded. Frustrated, the Complainant filed a consumer complaint with the District Consumer Disputes Redressal Commission in Nagaon, Assam.
The District Commission allowed the complaint and directed the Bank to refund Rs. 35,000/-, pay Rs. 5,000/- as compensation and Rs. 5,000/- as legal costs to the Complainant. Aggrieved by the decision of the District Commission, the Bank filed an appeal before the State Consumer Disputes Redressal Commission, Assam
The State Commission dismissed the Bank's appeal and upheld the order of the District Commission. Dissatisfied by the decision, the Bank filed a revision petition before the National Consumer Disputes Redressal Commission.
The National Consumer Disputes Redressal Commission (NCDRC) held HDFC Bank liable for failure to resolve the Complainant's grievances pertaining to multiple unauthorized transactions. Further, it failed to ensure SMS alert service for amount deduction.
