INTENTIONAL WRONG ACCESSING CHEQUES FOR CLEARING

We had put an Ac payee high value cheque in HDFC Bank, Kalyan for clearing. The cheque is drawn on " The Hindusthan co-op Bank Ltd, Mankhurd, Mumbai. The drawee Bank has returned it citing reason ' signature differs '. where as fact is insufficient fund in payer's current account. By doing this the Drawee bank is subterfusing the real reason of chq bouncing and thus, encouraging others to adopt this method for bouncing cheques. Many more like me may be suffering like this. This is a sheer loophole in the chq processing. The drawee Bank should be instructed to first see the fund sufficiency in the account and then should give the signature difference remark if unable to clear it due to doubts of frauding. Hiding the real reason and citing a misleading reason for bouncing of chq is a matter of investigation. Can we request the competent authority of RBI to look in to this case ?