vaoverseas
New member
- Bank Name
- State Bank of India
- Customer Care Number
- 9975703700
- Loss Amount
- 56600
- Ratings
- Opposite Party Address
- SBI Khatiwala Branch Indore
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- 9502301100000219
Contact Number- 94250 95621
Attachments:
Return Memo Copy
Cheque (Torn) Image Proof
Bank Statement Screenshot
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- 9502301100000219
Contact Number- 94250 95621
Attachments:
Return Memo Copy
Cheque (Torn) Image Proof
Bank Statement Screenshot