Sub: Non reversal of wrong debit of Rs 10,000 from my SB account number 00********0564.
KV Ramanath,
A9, Gangotri, Serene Meadows, Gangapur Road,
Nashik 422013.
Dear Sir,
I am your customer, banking with you since 14/15 years, operating at your Thattenagar branch - Nashik and my SB Acc no. Is 00********0564.
A wrong debit of Rs. 10,000/- has been made to my account as HDFC bank debit / ATM -WDL on 20th November 2012 and the debit has not been reversed till date citing that the amount has been dispensed from ATM. I brief below the transaction details those took place on that day with a request to scrutinise the same and pass on orders to reverse the debit.
On 20th Nov, I went to your ATM machine installed near Serene Meadows, Nashik (called as Serene Meadows) and key punched for Rs. 5000/-. The cash was not dispensed by the machine and i called the Security guard standing near the entrance to come and examine the reason for failure. The watchman came and asked me to retry. I tried again in his presence and the machine flashed a message that there is a technical problem and try latter (don’t remember the exact wording but message was amounting to this).
When I came out the ATM room i noticed that i have two messages received on my cell phone. First message was for ATM –WDL debit of Rs.10,000/- and another was for Rs. 5000/-. I went to your Thattenagar branch, Nashik where i have my account and met Mr.Mrudul Patil – manager (ph no. 0253-6628573) and briefed him about the wrong debits. After checking the records he informed that Rs. 5000/- has been already reversed and the other amount will also be reversed in a short while. The reversal was not effected till evening and when i contacted Mr. Patil on the phone he informed that he was informed by ATM dept. that the transaction has taken place and advised me contact Mr. Ajay (ph 0253-6628583) of ATM dept. Mr. Ajay informed that the said transaction has taken place and they will revert back after tallying the cash, credit and debit balances. After several follow-ups
Mr. Ajay briefed me that everything is tallying, transaction has taken place and the debit to my account can’t be reversed. When i explained him once again that i haven’t received the cash which can be confirmed from Video images, he assured that he will call for the Video images and send the same to the branch where i have my account. I have been advised that i will be called when the images are received in the branch office to see the images.
In the above incident there could be only two possibilities i.e. :
 i have asked for Rs. 10,000/- from ATM and received it but now making a false claim / representation or
 i have neither asked for this amount nor i have received it.
Let us analyse both the hypotheses to establish the truth.
Assumption 1: Asked for Rs.10,000/- and received the amount from ATM
Analysis:
Direct evidence: Assuming that the video cameras are placed in right position, it is very easy to establish whether i have received the cash as i have been claiming that i have only had asked for Rs. 5000/- and cash was not dispensed by the machine.
Circumstantial: It can be seen from my account that the account is mainly used for parking the credits from various sources. It is used for regular swiping for petrol, occasional swiping for purchases and very rarely for ATM withdrawal. The chances withdrawal of first 10,000 and then 5000 is very remote. And apart from that, if wanted 15,000/- , i would have drawn it at one go.
Assumption 2: I am telling the truth and incident has taken place exactly as described
The first transaction for Rs. 5000/- did not materialise since there was system problem and the amount was reversed immediately. The second attempt made in front of the guard for withdrawal of Rs. 5000/- was not even registered by the machine because of the system glitch.
Since i am not aware of your system interlocks and fire wall protection, i can only hazard a guess that there could be cross credit or debit between accounts (since it is claimed that everything is tallying).
I request once again that instructions may please be passed on for immediate reversal irrespective of your internal investigation. Please ensure that i am not victimised, for no fault of mine, by delays from your end.