Accidentally Received Extra Payment, Now Bank Made Me Sign a Fraud Letter—Am I in Trouble?

[User_0dd3d58e]

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User_0dd3d58e
PARTICIPANT
March 1, 2025 at 8:32 am

I recently sold an assignment to a stranger for ₹1100. Due to some issue, I received the payment **twice**. I didn’t realize it at first, but later, the buyer filed a dispute with **NPCI**, claiming the extra payment was fraud.

Now, my bank deducted ₹1100 from my account and made me **sign a letter stating it was fraud money** that I returned. I wasn’t trying to scam anyone—it was just an accidental double payment.

Since the money has been refunded, am I still in trouble? Could this impact my banking record or lead to legal issues? Would love to hear from lawyers or anyone with experience in banking disputes.

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[Silentsuhani990]

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Silentsuhani990
PARTICIPANT
March 1, 2025 at 8:37 am

And why did you sign the letter good sir/ma’am?

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[User_0dd3d58e]

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User_0dd3d58e
OP
March 1, 2025 at 8:41 am

they told me it’s just formality for bank nothing will happen since the money has been debited

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[Brightthinker9189]

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Brightthinker9189
PARTICIPANT
March 1, 2025 at 11:12 am

u believe everything you are told ?

How can it be fraud when you did nothing to get that extra payment. It was either senders problem or the bank’s systems problem.

Search for the CEO’s office on google, there will be a way to write to him. Explain what exactly happened how the money sent twice but since its a small amt you did not notice.

Emphasis on 3 points:

1. Immediately refunded it back when it was brought to your notice.

2. How can it be a fraud when you did nothing to get that extra payment.

3. The bank employee take your signature under false pretense on a document. Say that you retract that document and you are available for a quick discussion regarding the true facts as they happened.

Someone from CEO’s team will surely get back to you.

Save this email as hardcopy and softcopy.

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[User_0dd3d58e]

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User_0dd3d58e
OP
March 1, 2025 at 2:29 pm

Bro it’s just 1100 😭😭

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[Brightthinker9189]

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Brightthinker9189
PARTICIPANT
March 1, 2025 at 3:49 pm

fraud is a fraud, does not depend on amt. But you clearly did not do any fraud

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[Calmvidhi8765]

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Calmvidhi8765
PARTICIPANT
March 2, 2025 at 9:49 am

And the next time, they show this letter where you have signed stating that you have returned the “fraud document”, as proof of being a repeat offender?

It takes nothing for you to create a communication trail protesting your innocence.

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[User_702b039a]

U

User_702b039a
PARTICIPANT
March 1, 2025 at 8:43 am

NAL

But why would you sign something like that? 😭
It was just a duplicate transaction.

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[User_0dd3d58e]

U

User_0dd3d58e
OP
March 1, 2025 at 8:51 am

I guess i have made a mistake signing the letter. 🙁

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[Ishaniseeker935]

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Ishaniseeker935
PARTICIPANT
March 1, 2025 at 9:23 am

Yeah. It is very wrong of you to assume the Banks, of all things, is for your favour.

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[Jatinknight371]

J

Jatinknight371
PARTICIPANT
March 2, 2025 at 4:38 am

Never ever trust the word of mouth. Remember banks and other institutions exist for you, not the other way around.

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[User_0dd3d58e]

U

User_0dd3d58e
OP
March 1, 2025 at 8:56 am

can a lawyer give me some proper advice very tensed here

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[Experttarun6146]

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Experttarun6146
PARTICIPANT
March 1, 2025 at 8:58 am

Nothing will happen. Don’t worry. It’s a small amount and the person has already received it. It’s just the terminology the bank uses.

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[Sachinmaster926]

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Sachinmaster926
PARTICIPANT
March 1, 2025 at 9:11 am

Should’ve been a dispute, not fraud.

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[Expertshruti2631]

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Expertshruti2631
PARTICIPANT
March 1, 2025 at 9:42 am

Kuch nahin hoga imo . I’m not a lawyer though

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[Supernutan714]

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Supernutan714
PARTICIPANT
March 1, 2025 at 11:05 am

This is the worst part of the Indian banking system. Returning payment without consent.

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[Supertiger9065]

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Supertiger9065
PARTICIPANT
March 2, 2025 at 2:31 am

Then why we could not take money back from malya and nirav modi that could also have been reversed

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[Supernutan714]

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Supernutan714
PARTICIPANT
March 2, 2025 at 3:59 am

We didn’t.

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[User_1264dc55]

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User_1264dc55
PARTICIPANT
March 2, 2025 at 4:36 am

They cannot do that

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[Supernutan714]

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Supernutan714
PARTICIPANT
March 2, 2025 at 4:36 am

They do it with common people.

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[User_1264dc55]

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User_1264dc55
PARTICIPANT
March 2, 2025 at 5:05 am

Simply lodge a complaint with RBI,…

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[Supernutan714]

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Supernutan714
PARTICIPANT
March 2, 2025 at 5:06 am

You didn’t read OP’s post. They made him sign that the money he received was fraud money.

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[User_1264dc55]

U

User_1264dc55
PARTICIPANT
March 2, 2025 at 5:39 am

It’s not his headache…. he should have just simply give his consent to return the money to source account… It’s fraud money or money transferred by mistake is not his concern.

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[Supernutan714]

S

Supernutan714
PARTICIPANT
March 2, 2025 at 5:40 am

Did you read carefully.

Bank initially returned the money and later to not get in trouble asked him to write it was a fraud money.

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[User_1264dc55]

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User_1264dc55
PARTICIPANT
March 2, 2025 at 5:45 am

Again.. not his headache.

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[Jyotishark377]

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Jyotishark377
PARTICIPANT
March 1, 2025 at 2:01 pm

Which bank was it?

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[Silentsamrat7037]

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Silentsamrat7037
PARTICIPANT
March 1, 2025 at 8:39 pm

If you raise case, then after 10-15 years you will be compensated 1100 cr as compensation from the bank for wrongful treatment to you.

Paisa hi Paisa hoga

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[Coolknight3217]

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Coolknight3217
PARTICIPANT
March 2, 2025 at 4:15 am

Tune second wali extra payment wapas dene se mana kia tha ma???

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[User_1264dc55]

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User_1264dc55
PARTICIPANT
March 2, 2025 at 4:37 am

It happens many times.. you sould have asked bank to just give you a consent form to return the money to source account only.

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[Vasudhatiger84]

V

Vasudhatiger84
PARTICIPANT
March 2, 2025 at 8:25 am

You should have asked before doing it
What is the use of asking now?

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