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

[Sobirvs]

Did IDFC Bank write on their letterhead that this statement is fake/doctored ?

lol they would NEVER ever do that.

And let me tell you, idfc knows HDFC will face the heat and idfc has nothing to gain or lose in this whole mess of HDFC, so they won't touch this BS even if they wanted to.

Sorry, what? why will HDFC return the MDR for a transaction which has been settled and the money has moved hands. Even if it was a forged documents, I do not think going back and in time and refunding for already settled books of accounts is the right way.
If it has been done in the past, please share source.

I am not saying refund money of customer of merchant which is settled, I am just saying if hdfc will return mdr, which is just their cream they get on top of this trxn. A bank which has the audacity to give moral lectures to their customers, they should have zero issue refunding the MDR which is anyways around 0.4-1% of the total trxn for huge trxns (count and amount) merchants and 1-2% for MSME.

You thinking it has been done before or not doesn't matter, forget these small kids like hdfc/sbi etc banks, VISA/MC has been sued under class action for frauding merchants just few yrs back for unnecessary fees. And what is wrong and what is right is subjective. HDFC thinking forging is wrong, but their own ceo is accused of fraud and hdfc's board has no balls to tell him to step down till investigation completes is right? or hdfc hiring 3rd party's to beat up credit card defaulters is right? Let's not talk about morality when it comes to banks. A prost***te has more dignity than a damn bank.

 

[dexter_greycells]

lol they would NEVER ever do that.

And let me tell you, idfc knows HDFC will face the heat and idfc has nothing to gain or lose in this whole mess of HDFC, so they won't touch this BS even if they wanted to.

I am not saying refund money of customer of merchant which is settled, I am just saying if hdfc will return mdr, which is just their cream they get on top of this trxn. A bank which has the audacity to give moral lectures to their customers, they should have zero issue refunding the MDR which is anyways around 0.4-1% of the total trxn for huge trxns (count and amount) merchants and 1-2% for MSME.

You thinking it has been done before or not doesn't matter, forget these small kids like hdfc/sbi etc banks, VISA/MC has been sued under class action for frauding merchants just few yrs back for unnecessary fees. And what is wrong and what is right is subjective. HDFC thinking forging is wrong, but their own ceo is accused of fraud and hdfc's board has no balls to tell him to step down till investigation completes is right? or hdfc hiring 3rd party's to beat up credit card defaulters is right? Let's not talk about morality when it comes to banks. A prost***te has more dignity than a damn bank.

The inflammatory language in the last paragraph, the reasoning, and your previous posts, make me want to ask this - You don't work in a corporate, do you?
Almost every individual, company (and even nation!) is a shade of grey. No one disagrees there. However, one look at the OP's post and no one should disagree who is "wrong" and "right" at least in this case, the-less-than-stellar reputations of the 3 banks' ex- and current CEOs notwithstanding.

 

[BVCBVC is verified member.]

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.

He is very lucky to be out of this mess. But this is what happens to youngsters who are desperate.

Hope his story is a cautious one to many of us.

 

[Nishan11]

I hope @TechnoFino pins this thread in first page as many newbies and even multiple credit cards holders keep doing such adventures.
Normally banks don't take legal route for such acts unless someone has defaulted on payment. They mostly give warnings & block them for life.

I hope they start dragging such customers to legal route, so it will discourage even idea of doing such acts.

If one don't earn enough to live a lifestyle they want, then work hard to achieve that. Credit cards are not for achieving such lifestyle without support of income from salary/business, it will get one in financial debt and it will be too late for them to realise this. It destroy individual mental peace, financially bankrupt them and even brings unnecessary burden on family if individual is unable to repay debt.

Credit cards are for those who can afford to pay full bill timely and utilise perks offered with it. Use credit card as debit card, and one will never default.

Credit limit enhancement differs with every bank & vary individual to individual.
If one don't have required income documents, then don't go for manual limit enhancement request. Wait for Auto LE, it may take time, but mostly one gets it time to time if they are using card regularly and paying timely.

 

[hender]

I hope @TechnoFino pins this thread in first page as many newbies and even multiple credit cards holders keep doing such adventures.
Normally banks don't take legal route for such acts unless someone has defaulted on payment. They mostly give warnings & block them for life.

I hope they start dragging such customers to legal route, so it will discourage even idea of doing such acts.

If one don't earn enough to live a lifestyle they want, then work hard to achieve that. Credit cards are not for achieving such lifestyle without support of income from salary/business, it will get one in financial debt and it will be too late for them to realise this. It destroy individual mental peace, financially bankrupt them and even brings unnecessary burden on family if individual is unable to repay debt.

Credit cards are for those who can afford to pay full bill timely and utilise perks offered with it. Use credit card as debit card, and one will never default.

Credit limit enhancement differs with every bank & vary individual to individual.
If one don't have required income documents, then don't go for manual limit enhancement request. Wait for Auto LE, it may take time, but mostly one gets it time to time if they are using card regularly and paying timely.

VERY well summarised, each and every line is a REAL wisdom ✨ 👏.

 

[Robin_123]

Question is, is this exactly what happened?

Did hdfc raise the required verification in written formal manner?

If yes, hdfc should have no problem giving that proof to the customer neither idfc should have any issue giving proof they got the request by hdfc.

I can bet 102% this is not how exactly it panned out and if customer actually raises this request legally, both idfc and hdfc would end up with themselves forging back dated documents.

I don't think it would be a sensible step by the applicant to even think of taking any legal recourse about the authority of IDFC or HDFC bank in verifying his or her submitted documents, when he or she himself/herself is at default legally by submitting forged documents.

 

[sadhunath]

Didn't understand what you mean by "convenient to track out finances" and "don't even need to tap"? Are you referring about AIS? It still doesn't have a lot of information. Or, Are you saying banks already have info of ITR? If yes, why do they even ask us to provide it?

Actually, it's illegal for a bank to sent out or verify account details with other bank unless asked via a legal framework via court etc.
I'm suprised how easily IDFC complied with HDFC's request to divulge personal details and account information.

 

[sunit123]

Actually, it's illegal for a bank to sent out or verify account details with other bank unless asked via a legal framework via court etc.
I'm suprised how easily IDFC complied with HDFC's request to divulge personal details and account information.

where it is written that it is illegal...Can u share the source

 

[Sobirvs]

where it is written that it is illegal...Can u share the source

Yo commie comrade with no respect for constitution, democracy and fundamental right to privacy (Ironic ikr?), here you go :

Reserve Bank of India

Reserve Bank of India

Now that you have the source and you'll prolly still argue for the sake of it, I dare you to email any damn top bank like SBI/HDFC/ICICI and specifically ask them that do they ask another bank to give some customers bank statement. EVEN WITH CONSENT. I guarntee you they will tell you what we are saying, that they don't EVEN WITH CONSENT. Go on, I dare you.

 

[Beyond]

Not countering anybody here nor adding / amending anything. Just clarifying:

1. Which privacy privilege we are talking about?
Privacy as Fundamental right is not absolute!
Privacy is not a Democratic concept but Libertarian concept (Rule of Majority).
Financial Privacy is not a fundamental right (Not a subject matter of constitution)

2. HDFC CC Application Form:


3. Consent is granted by customer (Free, Specific and Informed)

4. Verification does not mean disclosure!

5. Criminal breach of trust and Fraud, Forgery, all are criminal offences!

 

[Sobirvs]

Not countering anybody here nor adding / amending anything. Just clarifying:

1. Which privacy privilege we are talking about?
Privacy as Fundamental right is not absolute!
Privacy is not a Democratic concept but Libertarian concept (Rule of Majority).
Financial Privacy is not a fundamental right (Not a subject matter of constitution)

2. HDFC CC Application Form:

View attachment 116615
3. Consent is granted by customer (Free, Specific and Informed)

4. Verification does not mean disclosure!

5. Criminal breach of trust and Fraud, Forgery, all are criminal offences!

Highlighting you aren't countering yet countering doesn't mean anything or doesn't give you a pass that you won't get countered. Someone showing himself as politcally neutral yet being political shows one is a coward.

Coming to your screenshot, it clearly says bank(hdfc), or branches(of hdfc), subsidiaries(of hdfc, for eg hdfc ergo, etc), credit bureaus (cibil), service provider for example bookmyshow offers hence bms is a service provider. I already said this is normal, we are both on same page.

It doesn't say other banks. That's the difference.

Again, you don't need to counter with anything. Just send an email clearly and specifically writing to hdfc's escalation/support/pno that in cc applications, do they go to other bank to verify/furnish documents/information of a customer regardless constomer gave consent or not.

You or anyone will get an answer 🙂 Asking AI is one way aswell but still I rather one just emails hdfc bank. You'll get it in writing which is the best known way to get official information from the bank.

 

[Beyond]

Highlighting you aren't countering yet countering doesn't mean anything or doesn't give you a pass that you won't get countered. Someone showing himself as politcally neutral yet being political shows one is a coward.

Coming to your screenshot, it clearly says bank(hdfc), or branches(of hdfc), subsidiaries(of hdfc, for eg hdfc ergo, etc), credit bureaus (cibil), service provider for example bookmyshow offers hence bms is a service provider. I already said this is normal, we are both on same page.

It doesn't say other banks. That's the difference.

Again, you don't need to counter with anything. Just send an email clearly and specifically writing to hdfc's escalation/support/pno that in cc applications, do they go to other bank to verify/furnish documents/information of a customer regardless constomer gave consent or not.

You or anyone will get an answer 🙂 Asking AI is one way aswell but still I rather one just emails hdfc bank. You'll get it in writing which is the best known way to get official information from the bank.

View attachment 116644

Yes, I am a coward but I was not in this instance.
I was just being polite, and my comment was not specifically targeted at you. My response was towards aggregated comments!

You are an ill-informed person that lacks the domain expertise which you project!
My reply explained all of your false postulations and still you came back with a suggestion to ask AI.

Well, AI hallucinates often and it cant be relied upon, but still it was smarter than you in reading the CC application form!



Also, bleach for your eyes is here-

You could have just read the CC application form, or could have used AI, if reading is too hard for you.
But you chose to exercise the right of being ________. (iykyk)

Now, be a real hero and file PIL against HDFC to prove your point.

 

[Dr.AMAN]

This thread has become a new hotspot for e-lafdas. I m sure HDFC nd IDFC employees must be enjoying this thread a lot😅

 

[HumorSimpson]

This thread has become a new hotspot for e-lafdas. I m sure HDFC nd IDFC employees must be enjoying this thread a lot😅

And people like me

 

[Beyond]

And people like me

TLDR:
Don't lie to a person with whom you are in a fiduciary relationship.
Age old legal principle -

• He who comes into equity must come with clean hands.

 

[Adityavikramsingh]

Most bank documents and other important documents are digitally signed at the time of download so they could have just verified the digital signature and checksum or origin device that can give very clear indication of forgery

 

[Sobirvs]

I didn't call you a coward specifically but surely I found those nerves.

Being polite doesn't mean being correct, stop going in circles, what you posted is from AI, and what I posted is ALSO from AI. That's why I said don't rely on AI and contact HDFC directly and ask them this very specific question but ofc you went for insulting tone which I am not surprised now, as the louder and shit mouth someone has, tells everyone they have weaker arguments.

Speaking of ill-informed person, by post history is a clear indication I come from financial background but I don't really need to flaunt my credentials here to make my point, a very simple email to HDFC would do the trick, but ofc no one wants to do it coz everyone knows what the reply would be.

You mentioning application form with the word "banker" is quite vague. Again, ASK HDFC in writing what they mean, it means if the bank is under their authority for example if it was citibank and you applied for axis bank card, and as they merged, axis bank has the authority to do it if they want. Same goes for hdfc for customers of Centurion Bank of Punjab(they aquired it) or may be (not sure) indusind bank as hdfc has quite a stake in it.

Quite an audacity to ask me to file a PIL when you can't even send a simple mail to hdfc to get correct information (which I asked you before you asked me)

So, to get the correct wording a simple mail to hdfc will ofc do the trick, but why do that when you can win a debate by simply saying other person have reading disability.

Yes, I am a coward but I was not in this instance.
I was just being polite, and my comment was not specifically targeted at you. My response was towards aggregated comments!

You are an ill-informed person that lacks the domain expertise which you project!
My reply explained all of your false postulations and still you came back with a suggestion to ask AI.

Well, AI hallucinates often and it cant be relied upon, but still it was smarter than you in reading the CC application form!

View attachment 116651

Also, bleach for your eyes is here-
View attachment 116650
You could have just read the CC application form, or could have used AI, if reading is too hard for you.
But you chose to exercise the right of being ________. (iykyk)

Now, be a real hero and file PIL against HDFC to prove your point.

 

[sunit123]

sabhi fraudsters ke beech