One Edited PDF, Three Banks, and a Life-Changing Lesson

[AllThatStuff]

Perfectly captured my reaction!!

 

[cardio_guycardio_guy is verified member.]

Forging docs for credit card is equal to fogring docs for loans.
To avoid these kinds of frauds only things like CIBIL (credit score) etc is set up.
This shows the loopholes in the system of assessing credit worthiness of a customer using credit score and docs.
This is India, any jugaad will happen. People are very very smart.

 

[G0KU]

Nothing new. People mostly played these types of games with HDFC, which is why this is happening now. More than 60% of the people holding Infinia and DCBM cards actually got them through these routes. RM, who earned commissions from ULIPs, even forged documents to issue credit cards or LE.

 

[Dr. Hritaban]

Perfectly captured my reaction!!

Genuinely perplexed lmao. While I am more than enough eager to lunge at any mistakes that my RM or bank employee may make (Because of which I got upgraded straight from Moneyback+ to Regalia Gold), but this right here is straight up forgery and illegal. Glad he got away relatively easy lol

 

[BhaiyaJi]

@Donald J. Trump Bhot guru ghantal aadmi ho tum to😛

@Donald J. Trump in general bola hai aapko. Not specific to this thread.

 

[sunit123]

Modi ji ne sahi kaha thaa..."Yeh Can Do generation hain"

Meanwhile all those who forged documents to get infinia or any other CC or limit enhancement.

 

[ontherocks]

I liked Mr.Unknown's email writing skills. Nicely written with good formatting. Almost AI.

 

[RAHUL GOYAL]

i think usne income kuch jyada hi high dikha di itni nahi dikhani thi. jabhi mdfc ne cross check kiya hoga

 

[sovon]

i think usne income kuch jyada hi high dikha di itni nahi dikhani thi. jabhi mdfc ne cross check kiya hoga

Maybe HDFC ne Guess kiya hoga, itna high salary dekh ke. Because upar sab bol rahe hai IDFC ke paas koi authority nehi hai share karne ka.
Because of his previous transactions pattern.

 

[RAMESH BABU N]

How come IDFC agreed to share info with HDFC without customers consent ?

Have you (or anyone of you) ever read (and understood) the terms n conditions under which one submits her/her CC application to a bank ?

Next time, before clicking to I AGREE and SUBMIT buttons, take some time to read them ALL.

No one can sue any of the banks in this case - The 3 CC issuing banks can make that chap's life legally miserable.

Be extremely careful BEFORE submitting anything n agreeing to everything. And, AVOID doing such hera-pheri.

 

[hender]

A few days ago, a TechnoFino Community member reached out to me and urgently requested a call.
He said, “Sir, this might turn into a police case. I don’t know what to do… I’m young, please help.”

I gave him time and listened to his full story.
Let me share it with all of you - because this can happen to anyone if you’re not careful.

Mr. Unknown — A Young College Guy, Just Like Many TFCians​

Mr. Unknown is a college-going youngster, passionate about credit cards just like thousands of TFCians.

He has credit cards from:

• ICICI Bank
• Axis Bank
• HDFC Bank

But for the last 4 years, he wasn’t getting any limit enhancement on his HDFC card - again, very common among many of us.

His limit remained low, no matter how many times he tried.

The Agent & The Wrong Advice​

One day, he met a third-party agent who tried selling him a new HDFC Bank credit card.
Mr. Unknown told him:


The agent instantly suggested a shortcut:


At first he knew it wasn’t ethical.
But after a few days of frustration, he gave in.

He edited:

• a salary slip from his family’s business (Salary: Rs. 2,04,129 per month)
• his IDFC First Bank account statement

And emailed them to HDFC for limit enhancement.

Email Copy (Mr. Unknown to HDFC Bank, Request for limit enhancement):

View attachment 116172

His edited IDFC First Bank's account statement:

View attachment 116173

He even sent similar emails to ICICI and Axis for the same purpose.

And guess what?

ICICI and Axis both increased his limit.

But…

HDFC Detected the Forged Statement​

According to HDFC, they sent someone to IDFC First Bank to verify the account statement - and immediately found it had been edited.

The next day, HDFC officers called him:

• Why did you submit a forged document?
• Did any HDFC employee ask you to do this?
• Who helped you edit these documents?

He panicked.

He did not name the agent.
He simply said he was frustrated, wasn’t getting a limit increase, made a mistake and apologised.

Two or three HDFC officers spoke to him.
After repeated apologies, they told him:

• Send a written apology email
• No legal action will be taken considering his age
• But his HDFC credit card will be cancelled
• Blacklisting decision will be made by the backend team

He immediately sent the apology email. Here is the copy:

View attachment 116174

And, after all this, he also cancelled his ICICI Bank and Axis Bank credit cards out of fear of future scrutiny.

View attachment 116184

TFCians — Don’t Risk Your Future for a Credit Card or it's Limit​

Credit cards are part of our lifestyle, yes, but nothing is worth taking a criminal risk.

This time, he got lucky.
HDFC didn’t file a police case.

But he may still be banned for life by HDFC.

Submitting forged documents to a bank is punishable under:

• Section 336 & Section 340 of the Bharatiya Nyaya Sanhita (BNS)
  (Some parts, like Section 336(3), are non-bailable.)

Young people - 20, 22, 24 - often don’t think about consequences.
But today’s banking systems are extremely advanced.

Maybe one bank won’t catch you.
But eventually, you will get caught.

And a single legal issue can impact:

• future loans
• CIBIL score
• job background checks
• banking relationships

Nothing is worth losing your peace of mind.

A credit card or credit limit enhancement is not worth risking your entire future.

A Reality Check from the Old Days​

Between 2017 and 2022, many bank agents used to casually tell customers to “edit income documents” to get a card.

But times have changed.

I personally know:

• a banker who faced internal inquiry for this
• a customer who got blacklisted for submitting forged documents

So please don’t repeat their mistakes.

Be safe.
Live peacefully.

Don’t do foolish things for a piece of plastic or metal.
A credit card is meant to make life easier - not destroy it.

This post is purely for awareness.
I hope every TFCian, especially the younger ones, takes this seriously.

Thanks for sharing and pointing about taking right direction.👍👏
Few Challenges Still prevail -
1- FOMO & Over hype of Higher Limit.
2- Credit Rating / Score system and Gap.

 

[Exewhyzee]

Doing fraud is ok.
Doing it lazily & getting caught is not ok.

 

[akar]

But how filling the form with wrong income details while applying is different from this edited income docs?

Have seen people with no jobs having credit limit of 5lacs just because they filled the wrong income details but obviously they have good scores.
Asking just for educational reasons.

bro document is solid proof of forgery,and putting false info in credit card form for salary is just incorrect fact(misrepresentation) at best u can say u was putting 10k instead u added 1 more 0 buy mistake and its now 100k 😂,and u can make other excuse,they cant do shit in that at most they can cancel card but submitted forgged document will get u in real trouble as bank can make your case as a lesson for others doing this type of stuff,this guy got ez in his case,court cases last years in india and cost a lot of money too

 

[akar]

Doing fraud is ok.
Doing it lazily & getting caught is not ok.

true hye bro

 

[Ak Singh]

I liked Mr.Unknown's email writing skills. Nicely written with good formatting. Almost AI.

I think AI hi hai..

 

[sovon]

I think AI hi hai..

Thinking the Same

 

[Robin_123]

I donn't think this is correct. Why would idfc allow hdfc to verify someone's personal statement? That's breach of privacy. Either IDFC can be sued here easily. Or HDFC can be sued (if they lied about verifying docs with idfc, where they indeed didn't but they bluffed with the customer). For sure hdfc can't do this legally neither idfc can allow this legally. Some higher up knowing someone at idfc and personally checking but not officially is a completely different matter. In court, this evidence that they checked with idfc won't be permissible.

Has RBI guidelines give authority to some bank to check with a different bank about a customer? There might be one, highly unlikely.

Ofc the person forging the docs won't have resources/mileage for going after hdfc (even morally), but he certainly has a case here. That ofc comes with exposing himself, but court won't give a F about an individual forging docs, as he's a smaller fish. Court would love to know a huge bank violating laws.

Any document which is produced/submitted as an evidence before an authority , whether he or she is a public or private authority, the concerned authority is at his or her liberty to verify the genuineness of the document produced before him/her as an evidence. As far as the above incident is concerned, IDFC bank account statement was provided to HDFC Bank by the customer himself, hence HDFC is free to verify its genuineness. As IDFC bank is approached by HDFC with proof of submission of the IDFC account statement by the customer of IDFC himself, hence IDFC has only discharged its professional duty and rather it has helped HDFC in identifying a false claim made by a customer by means of forged documents. Thinking about suing these two banks by the customer [who is himself at fault legally] would be like shooting himself in his foot. RBI guidelines too mandate banks to completely verify the identity of customers before lending and verify customers' credit health before approving any credit facility.

In this case, both the banks have discharged their legal obligations and given example of law abiding entities.

 

[Beyond]

This thread should be pinned on top.
I have seen students flexing in forum about having CL of 5 lakh with no source of income, while hardworking salary man struggling with meagre limit of less than 50k by same bank. Banks does not have infinite resources to grant high CL. So this kind of corrective steps are required.

 

[RAMESH BABU N]

A lot of IDFC WEALTH card applicants CASUALLY FILL IN salary as 3.0L PER MONTH.

Without any guilt or shame, they fill-in that outrageous amount of 3L as MONTHLY SALARY and - in most cases - it gets approval - without any dox or proof.

It is high time that such spurious/bogus figures are detected - compared with their declared incomes via ITRs - and dealt with strictly at the pre-online-approval stage itself.

Heavens will not fall if these banks take a week or so to get them vetted before conveying their sanction.

Mad rush to be avoided in sanctioning everything online - in a jiffy - without any dox submission or (manual) verification.

 

[Odyssey]

i think usne income kuch jyada hi high dikha di itni nahi dikhani thi. jabhi mdfc ne cross check kiya hoga

Hehe, ek kahawat hai na Aukaat se bahar kaam kijiyega to _____________ phatega hi😆