Idbi bank

: National Consumer Helpline / Consumer Grievance Redressal Authority Subject: Urgent Consumer Complaint Regarding Non-Refund of ₹29,430 in Unauthorized UPI Transactions by IDBI Bank on 22 December 2025 Dear Sir/Madam, I am writing to seek your intervention regarding two unauthorized transactions from my IDBI Bank account on 22 December 2025, amounting to ₹14,715 each, totaling ₹29,430. The disputed transactions took place at approximately 2:00 AM, when I was asleep. I did not knowingly authorize these transactions. Upon receiving information about the debits, I immediately reported the matter to IDBI Bank Customer Care. Within approximately one hour, I also reported the cyber fraud to the National Cyber Crime Helpline at 1930. In the morning, I submitted a complaint to the local police station and informed my IDBI Bank home branch as well as the nearby IDBI Bank branch. Despite reporting the incident promptly and cooperating with the concerned authorities, my hard-earned money has still not been refunded. I have made multiple complaints to the Reserve Bank of India (RBI), but my complaints have been closed without my disputed amount being refunded. I am deeply concerned that, despite my timely reporting to the bank, cybercrime authorities, police, and bank branches, I have not received a satisfactory resolution. I respectfully request your office to: Register my complaint against IDBI Bank regarding the non-refund of ₹29,230 arising from the unauthorized transactions. Examine whether IDBI Bank properly investigated the disputed transactions and complied with the applicable RBI customer-protection and unauthorized electronic transaction liability rules. Direct the concerned bank to provide a reasoned written explanation of the investigation, including the basis for rejecting my claim. Facilitate an appropriate resolution and refund of the disputed amount, subject to the applicable rules and investigation findings. Examine the closure of my previous RBI complaints despite the fact that the disputed amount remains unresolved. Provide me with a complaint reference number and inform me of the further action taken. I am ready to provide copies of my bank statement, transaction details, IDBI Bank complaint records, cybercrime acknowledgement, police complaint, and previous RBI complaint and closure letters as supporting evidence. I reported this incident promptly and have repeatedly sought assistance from the concerned authorities. I request that my grievance be considered fairly and that appropriate action be taken without further delay. Thank you for your time and consideration. I look forward to receiving a written response and a fair resolution. Yours faithfully, Shamshad Ahmad Bank: IDBI Bank Home Branch: Maunath Bhanjan, Uttar Pradesh Account Number: [[protected]] Mobile Number: [[protected] Cyber Crime Complaint Acknowledgement: [protected] Date of Incident: 22 December 2025 Disputed Amount: ₹29,430