Indian Polity · Polity
A customer, Mr. Sharma, discovers that 5 lakh rupees were transferred via IMPS from his savings account without authorization. The bank rejects his claim stating their systems show successful OTP delivery. Under the Consumer Protection Act, 2019, analyze his options regarding the forum of filing and the ground for liability.
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1He can only approach the Banking Ombudsman as the Consumer Protection Act does not apply to digital banking.
- 2He must approach the State Commission because the value of services is calculated on his total bank balance.
- 3He can file in the District Commission where he resides, invoking deficiency in banking services.✓
- 4He must file in the District Commission where the bank's head office is located and claim breach of contract.
Correct answer
He can file in the District Commission where he resides, invoking deficiency in banking services.
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