IndusInd Bank Returned My Inward Remittance—Employee Lied, Calls Ignored & 3-Month Battle!

[User_0d9f658c]

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User_0d9f658c
PARTICIPANT
February 27, 2025 at 9:06 pm

#

Hey Reddit, I need some advice. I’ve been dealing with **IndusInd Bank for over 3 months** regarding an **inward remittance issue**, and it’s been a nightmare.

Here’s what happened:

* My remittance was **returned** because of a **purpose mismatch**—I mentioned “Consultancy Fees,” but the sender’s SWIFT message said “Gift/Donation.”
* A **bank employee lied multiple times** about the process and misled me.
* They **ignored my calls** and kept delaying responses, making it impossible to get a clear answer.
* When I **raised a formal complaint**, they **rejected it with a generic apology** and refused to provide internal communication records.
* They even **put the wrong date** in their response email!

I’ve been fighting this for **over 3 months**, and it’s been a frustrating loop of misinformation and delays. **Has anyone dealt with something similar?** Can I take legal action or push the bank for more transparency? Any advice would be greatly appreciated!

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[Salonipanther485]

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Salonipanther485
PARTICIPANT
February 28, 2025 at 4:20 am

Make a complaint to the Banking Ombudsman.

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[User_0d9f658c]

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User_0d9f658c
OP
February 28, 2025 at 5:52 pm

but bank is not ready to share any detail what should I do in this situation

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[Salonipanther485]

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Salonipanther485
PARTICIPANT
March 1, 2025 at 1:57 am

Bro bank statement and SMS update etc. use that.

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[User_0d9f658c]

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User_0d9f658c
OP
March 1, 2025 at 2:34 am

but the money was not reflected on my account it was before that it was moved to the sender

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[Srutiowl874]

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Srutiowl874
PARTICIPANT
February 28, 2025 at 4:35 am

I do not understand this, why 2 parties statements are involved in this transaction.

When I used send money to my brother in USA, I simply added a remark of “Education” and he used to receive the money the next morning without his involvement.

When I received money from EU, he would simply used to do the transaction and share me the receipt and the next morning I would receive the money.

When you are receiving the money, why was your statement recorded?

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[Swiftjagdish611]

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Swiftjagdish611
PARTICIPANT
February 28, 2025 at 5:26 am

When you receive money from foriegn, you need to mention the purpose to the bank before USD gets converted into INR. Similarly the sender would also have shared the purpose.

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[Srutiowl874]

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Srutiowl874
PARTICIPANT
February 28, 2025 at 7:28 am

I don’t know I did not do anything like this in HDFC and SBI.

Money got credited simply

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[Swiftjagdish611]

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Swiftjagdish611
PARTICIPANT
February 28, 2025 at 7:48 am

I dealt with atleast 2 banks(IDFC/YES) for receiving business income from the US and both needed confirmation from me. I think bank asks you this only if are receiving in USD(or any foreign currency) and not INR.

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[Swiftjagdish611]

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Swiftjagdish611
PARTICIPANT
February 28, 2025 at 7:49 am

Even HDFC too have this. [https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Footer/Resource/Forms%20Centre/Content/Detail%20Page/Forms%20Center%20-personal/Retail%20Trade%20Forex%20%28RTFX%29/Inward_remittances_purpose_codes.pdf](https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Footer/Resource/Forms%20Centre/Content/Detail%20Page/Forms%20Center%20-personal/Retail%20Trade%20Forex%20%28RTFX%29/Inward_remittances_purpose_codes.pdf)

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[Sonalninja770]

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Sonalninja770
PARTICIPANT
February 28, 2025 at 12:11 pm

You should consult legal professionals. Recommending DigiLawyer’s free consultation here.

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