ICICI Bank — ATM fraud Transaction of INR 20,000

Address:

Mumbai City, Maharashtra

This case is about Debit card fraud that happened with me on10-Jan-15 at 8:11 pm. Somebody had fraudulently ithdrawn NR 20, 000 from my ICICI bank account, i got the SMS alert and rushed to ATM and found no one was there.I immediately called the customer care and after waiting for20 minutes they answered my phone and i requested them to block my card immediately.After that I went to Samta nagar police station, Kandivali east and explained them the issue and they told me first confirmed with bank on Monday (12-Jan-15)and after that they will file FIR.On Monday i visited the branch and told them about my problem and they said i have to wait for branch Manager to come so that they will check the CCTV footage and confirm.After waited for 2.5 hours branch Manager came and from CCTVfootage it was confirmed one person was fraudulently withdrawn the amount using some chips and blocking the Cancel and REJECT buttons of ATM using fevi-quick and withdrawn the money after spending10 mins inside the ATM. Bank suggested to file the FIR and we visited the Samta Nagar police station and submitted the application about problem but they did not lodge the FIR, they acknowledge the application and told to submit that to bank, once we came to bank and they refused to accept as that was not FIR, They want FIR and police is telling first they will check and then lodge a FIR. Still after 4 days there is no response from bank or Police.As per bank they don't chase the culprit as its responsibilities of Police, 1. Question to ICICIBank is when they were aware of my account being skimmed and seeing CCTV footage they are asking customer to follow up. Is it just the responsibility of victim to follow up with police no responsibility of bank?2. As per Bank Branch Manager they don't have any security guard during 6 to 10 pm every day, why bank is so careless?3. We deposited our hard earned money with Bank and bank is always Dependent on Police for support on such fraud transactions.4. I got 2 calls from ICICI bank and they are selling the chip based debit card at INR 499 per annum fee as they come to know fraud Transactions are happened with my account. They are more interested on taking money from customer instead of safe keeping the hard earned money.5. When ICICI Bank is custodian of our money how can the ygive vague answers and why they are not taking ownership of the same. 6. How the common man will get to resolve such case?