Unknown payment of over 5 lakhs on my Infinia

[Lobogris]

Today, I received an SMS stating that an IMPS payment of a little over 5 lakhs had been posted on my Infinia. I was perplexed as I hadn't made any such payment. I logged into the app and sure enough, my card, which had a balance of over 5 lakhs was now showing negative (credit balance) by a few thousand. I am assuming it is an error and either someone entered a wrong card number or somehow the bank credited it to the wrong account. Slightly nervous about it being some kind of scam and will have to watch out for people calling me to refund it to them directly even though it is unlikely that someone would risk such a large amount for a scam. I did reach out to HDFC and they have zero information and are unconcerned claiming that the bank would reverse it if it is in error. I am also concerned that if this gets reversed after statement generation and due date, my balance would again become over 5 lakhs and I might get charged interest on it. Any advice is welcome!

 

[hender]

Pls pay Full Sir.

Today, I received an SMS stating that an IMPS payment of a little over 5 lakhs had been posted on my Infinia. I was perplexed as I hadn't made any such payment. I logged into the app and sure enough, my card, which had a balance of over 5 lakhs was now showing negative (credit balance) by a few thousand. I am assuming it is an error and either someone entered a wrong card number or somehow the bank credited it to the wrong account. Slightly nervous about it being some kind of scam and will have to watch out for people calling me to refund it to them directly even though it is unlikely that someone would risk such a large amount for a scam. I did reach out to HDFC and they have zero information and are unconcerned claiming that the bank would reverse it if it is in error. I am also concerned that if this gets reversed after statement generation and due date, my balance would again become over 5 lakhs and I might get charged interest on it. Any advice is welcome!

Are you able to track source of IMPS or narrative of originator of transaction!!

 

[2025]

Today, I received an SMS stating that an IMPS payment of a little over 5 lakhs had been posted on my Infinia. I was perplexed as I hadn't made any such payment. I logged into the app and sure enough, my card, which had a balance of over 5 lakhs was now showing negative (credit balance) by a few thousand. I am assuming it is an error and either someone entered a wrong card number or somehow the bank credited it to the wrong account. Slightly nervous about it being some kind of scam and will have to watch out for people calling me to refund it to them directly even though it is unlikely that someone would risk such a large amount for a scam. I did reach out to HDFC and they have zero information and are unconcerned claiming that the bank would reverse it if it is in error. I am also concerned that if this gets reversed after statement generation and due date, my balance would again become over 5 lakhs and I might get charged interest on it. Any advice is welcome!

Congratulations for being first TF member who received 5L out of promised 15L by Hon'ble PM.

Keeping jokes aside, you kept 5L balance in Infinia. So I guess you are well aware what need to be done.

It must be a mistake by the payee (depositor) as it was an IMPS payment. He must be having bit of similar card number. I won't be surprised if someone contact you in TF claiming that money.

I am thinking in a different line what if someone's tax planning of cc bill payment reporting to tax authority get hampered due to such things? Or what if the money is sourced from illegal activities?

On that sense you deserve little compensation unless bank rectify themselves.

 

[Lobogris]

Keeping jokes aside, you kept 5L balance in Infinia. So I guess you are well aware what need to be done.

I am thinking in a different line what if someone's tax planning of cc bill payment reporting to tax authority get hampered due to such things? Or what if the money is sourced from illegal activities.On that sense you deserve little compensation unless bank rectify themselves.

I am not sure what is the issue with having a 5 lakh balance on the Infinia?
Tax issues aren’t a worry. I have already spent over 20 lakhs on this card this year and even more on Biz Black which shares the limit. I am not looking for compensation. Just want to find out what happened. Why would someone pay off another person’s card using illegal money? I would hate to get my account blocked for that, even temporarily.

 

[Lobogris]

Pls pay Full Sir.

Are you able to track source of IMPS or narrative of originator of transaction!!

How can I do that? HFDC customer care claimed they had no access to this information. I will try emailing as well.

 

[BVCBVC is verified member.]

How can I do that? HFDC customer care claimed they had no access to this information. I will try emailing as well.

Drop a email to HDFC CS team so that you can have a written copy which can be useful for any future proceedings in case of mis use of any fraudulent or any activity.

PriorityRedressal.CreditCards@hdfcbank.com
Grievance.Redressalcc@hdfcbank.com
escalation.cc@hdfcbank.com
customerservices.cards@hdfcbank.com
INFINIA.SERVICES@hdfcbank.com

If you are Imperia customer you can drop mail to imperiabanking@hdfcbank.com

 

[vaibhav111vaibhav111 is verified member.]

I think this might help so my dad wanted to pay 50k to his hdfc cc via rtgs via his company icici current account so he asked someone who do this kind of work regularly and instead of 50k he gave a rtgs of 5L, so i had to contact my rm and my dad also had a hdfc sb like me so i had give statement from where money was debited trnx was reversed via his cc to his current icici ac n in 7 days it was resolved so if someone did screw up don't worry OP they will come for the money so you pay your due as per youre usage.

 

[2025]

Keeping jokes aside, you kept 5L balance in Infinia. So I guess you are well aware what need to be done.

I am not sure what is the issue with having a 5 lakh balance on the Infinia?

I meant you must be well aware about what need to be done in current situation; and, you have already informed bank about it.

*Keeping 5L bal means you have capacities and must be regularly handling large monthly CC debts.

*Infinia here indicates most likely you are well settled financially.

Moreover, combining them I tried to convey that I have no doubt that you gonna settle dues keeping in mind that this 5L is not yours. Nothing else. You misunderstood my statement.

Tax planning and other things are not related to your post. They were generic. Meant for those who try to keep a tab on bank wise total cc bill payment less than 10L to avoid tax reporting.

Regarding compensation.... I referred there should be provision for compensation unless bank clean such transaction from the book without intervention of the card users. And, the amount should not get reflected in that users card account anyways. If that is not done and innocent users like you has to intervene then he/she deserve a compensation.

I know you are rich and you pay much more cc bill amount per year. You said it before too in a CC bill payment related income tax reporting thread.

(Even I felt sorry, because you did not gave attention understanding my previous comment, so I had to post another long post explaining things that could perhaps make you understand. Usually I don't do such things when I get to know someone misunderstood me.)

 

[2025]

How can I do that? HFDC customer care claimed they had no access to this information. I will try emailing as well.

Check card statement in the app. You might get a clue. I believe you have already checked that and got to know that it was paid through IMPS. Detail investigation can be done by that IMPS reference as those are linked to some mobile number and account.

 

[Ram1]

Hope the sender wont file cyber crime complaint, your card will be blocked temporarily