I have lost Rs 1, 09, 000/- through HDFC netbanking Third party transfer by some unauthorised person.
HDFC is not giving any support nor any proper response, every time they changing their commitments and dialogues.since 40 days.
The blame goes to HDFC bank because of their un secured netbanking service compared to other banks netbanking.
How HDFC is responsible by their unsecured service as follows.
1.) HDFC customer care operator service is only between 8:00 A.M to 8:00 P.M.
culprits have done such transactions only on weekends where is no proper customer service.now-a-days every bank is providing 24X7 customer care service.
if such 24x7 service was available i could have requested for stop payment service soon after receiving the SMS alert.
2.) There is only one single password for netbanking login. where as other banks have provided multiple passwords like transaction id, transaction password, security device, other logical combination of code printed on back side of the ATM card.
HDFC doesnt have any such double security system . one password is leaked any sort of transaction can be done which is fully unsecured service.
3.) By default the Limit for TPT is 5.0 lacs. actually it should start from lesser value. But for cash withdrawl it is fixed at lesser value.
hence a chance for the hacker to sweep out the complete balance amount less that 5.0 lacs.
4.) In order to add a beneficiary account for TPT it takes 24 hours time to get registered but what actually does the process do for 24 hours as there is no relation security check between the beneficiary name and account number.
where as in cheque name of the beneficiary is important but in TPT funds transfer there is no such relation.
This point should be noted.
5.) You have provided virtual keyboard as a security for entering login details customer-id and password but at the same time if by mistake user enters from hard keyboard of the PC it accepts, then where is the security, there is no purpose of giving Virtual keyboard.
Actually when the provision comes for entering customer-id and password the system should not accept from hard keyboard.such service is available with all other banks.
6.) Since my money has been transfered to culprits account in another branch of HDFC bank then it is HDFC responsibility for reversal of the amount by any means.
Since the culprit person is absconding then HDFC verification team is also responsible for this as that culprit customer also holds gold debit card.
ther should be several proof documents to be submitted to get the gold debit card but HDFC has issued to a tom-dick 'n' harry customers.
Kindly help me in this regard.
i fell it very hard as iam alone in this struggle.
Regards
Rajesh Jutu
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