Fraud by a customer to the Banker

[Banker India]

Sir

I'm a cashier working in a bank.

A customer came for cash withdrawal instead of debiting the account, I, by mistake, credited the account. Now, customer has taken physical cash from the branch. Seeing more balance in the account, the customer made withdrawals using UPI and ATM.

I informed the customer immediately when I found the cash difference on the same day.

Now, it has been 3 months and the customer has not deposited a single penny.

FIR was not lodged as the customer kept on asking some more days and then weeks and now we have realised that it's quite late to lodge an FIR.

The customer is maintaining accounts in 2 different banks and one account in another bank as second holder.

What action can I take now to recover the money?

The amount involved is more than ₹50,000.

AI Summary

Bank Cashier Error: Customer Withdraws 50k Due to Mistake, Legal Action Considered Amid Procedural Delays. A bank cashier mistakenly credited a customer's account instead of debiting it, allowing the customer to withdraw cash and make further withdrawals via UPI and ATM. Despite informing the customer and branch staff, the issue remains unresolved after three months. The customer, maintaining accounts in multiple banks, has not returned the funds, totaling over 50,000. The bank is considering legal action, but internal procedural delays and the absence of formal documentation complicate the situation. The cashier faces potential disciplinary action for negligence but seeks advice on whether to pursue recovery or avoid further conflict.