ICICI Bank — Credit card recovery officer defaming me by calling my in-laws and relatives and threatening me and my small son and my wife

Address:

Kolkata, West Bengal, 700017

Respected Sir or Madam,

I, Amer Bin Rashid, a customer of your ICICI Bank Ltd. had a credit card of number XXXXXXXXX5006 which has no due. Where as there was a loan on credit card of number XXXXXXX9004. Due to financial and medical issue, I could not pay my outstanding dues for some time. I agree that I had defaulted but my intentions are very clear. In fact I visited the branch of ICICI Bank and had spoken to the manager regarding the settlement of my dues. I have heard that ICICI banks holds 60 % of the market but I am amazed and shocked that the bank is practicing unethical ways to collect its due.

In a wayICICI Bank is threatening my family and my relatives for dues that pertain to me. I too have friends in the corporate world and I have learnt the RBI rules and regulations. How can a Bank call all my relatives, in-laws and brother in law and list goes on. Isn’t 3RD party calling completely prohibited ? ICICI Bank boast of data privacy and customer confidentiality ? Isn’t even informing the spouse of about the customer dues against the RBI guidelines. All these have been confirmed by ICICI managers also. But it seems that the ICICI Bank is following all these practices.

On 18TH November 2016, in the afternoon one such female calling herself “ Poonam Sharma” ( +91 [protected] ) who has been calling all my relatives namely my brother in law Mr. Asif Iqbal ( [protected] ) & my elder brother Mr. Khalid Bin Rashid ( [protected] ); claiming to be a lawyer from Bankshal Court’s SRB department of Reserve Bank Of India. This is unheard of, absolutely unbelievable. She has mentioned in the call that 5 banks including ICICI gives cases for amicable settlement. Who is she ? How is she connected to the ICICI Bank ? How does she have customer private details The Bank cannot deny as I have got full conversation recordings and snapshots of the calls received by my relatives from the number mentioned ( +91 [protected] ).

The Reserve Bank of India is calling in behalf of ICICI Bank Ltd. ? If so then I should be talking to the Governor of RBI ?

The lady ( who has named herself as Poonam Sharma calling from +91 [protected] ) has called my wife names and even called her a big cheat and liar which you can clearly hear in the conversation recording. Is my wife your customer ? How can the bank call my wife a cheat ? And why is she talking to my brother, cousins, brother in law; are they customers of ICICI bank ? She has informed half the city of my default and my inability to pay. She has even made a very serious claim and has threatened that ICICI Bank will stop the education of my child by informing the school. She has told my brother as well as my brother in law that if I don’t amicably settle with her, then I will have to pay up as punishment Rs. 2, 50, 000/-; whereas you can yourself see that my principal outstanding is around 40000/- to 42000/- as confirmed with the manager Ms. Reshma Khatoon of the ICICI whom I met on 19/11/2016. Poonam Sharma ( so as she claims ) called me a big thug and same about my wife. !!! Is this how low ICICI Bank is willing to stoop to collect its dues. She has accessed some personal details probably from Facebook accounts and claims to know names and addresses and their children names etc. So much for the customer data protection. Whereas she claims to have my numbers, but not in one instance has she spoken to me or my wife. Whereas my address from birth has been same and all bills and collections of payment I have made have been from the same address. And it is claimed that we are not found or wrongly mis-leaded. which is absolute lie and impossible because the whole locality knows me and my family. Whereas after receiving complaints from my relatives, I called the same numer of Poonam Sharma ( +91 [protected] ) from my own number as well as my wife’s number several times. But no-one picks up the phone or calls back or messages back

After such complaints and embarrassing calls from my relatives, I called the managers of ICICI bank today 21/11/2016; namely Ms. Reshma Khatoon & Mr. Sukanta Mandal of ICICI Bank Ltd.; Chowringee Branch/ Park street Branch, Kolkata. From the recorded conversation you can understand that Ms. Reshma Khatoon is only interested to when I will close the account and casually said that she will ask the agency to stop calling and assured that all the follow up will stop. And said that she would request me to not complain to you and other authorities. When I asked her the name of the agency and caller; she refused to do so. She said even if she knew she would not be able to tell. She was not even willing to tell whether the concerned caller representing ICICI Bank is DRA trained or not. On the other hand; she pushed me to her senior, Mr. Sukanta Mandal; who totally denied knowing anything about the caller or the agency whereas I had provided him with the number from where all the calls were coming upon his request. ( +91 [protected] ). What kind of managers are these ? Who has my details ? Why are these managers trying to protect the agency and the identity of the caller Poonam Sharma ( +91 [protected] ) and don’t even concern about the reputation of the ICICI bank ? Neither they gave me the name of the authorized agency or the name of the bank whereas they said they have the details. The managers are trying to confuse me on purpose, saying that I might be getting calls on behalf of other banks. Whereas other than ICICI credit card – I have never ever been issued any card as such from any other bank. So it is obvious only outstanding is here i.e. ICICI. So, in short, ICICI Bank has authorized people to harass and threaten customers and relative and seems that managers are hand in hand with the agency. This is exactly, I or for that matter anyone also, is going to read the entire situation. I have understood the policy of the managers of the ICICI bank. They are talking about my credit card, settlement matter and everything else over phone but the fact is when my relatives got threatening calls from the agency authorized by ICICI bank, then I went to the bank to find out the actual situation. On purpose the agency is not taking the name of the bank over phone but are only talking about settling the card dues. She is specifically mentioned a credit card. And I only had this card of ICICI Bank which lies defaulted, so it is clearly obvious. They are trying to play it safe as to not mention ICICI bank. But luckily I have had only this one credit card i.e. ICICI credit card. She also mentions she will talk to the bank and settle this amicably at Rs. 70, 000/--80, 000/- for which old notes are also acceptable OR I have to face the consequences and fish out 2, 50, 000/-

I have all the recordings of all these calls including one with bank manager Ms. Reshma Khatoon ( Park street/Chowringee Branch ) where she can be cleary heard saying that she will make sure that all the follow up is stopped. In a way she accepted that my case is being followed up and now that I have called up she will ask them to stop all follow up.

It is a sincere request I just want this unauthorized female called representing RBI on behalf of ICICI Bank to be brought in forefront along with the agency she is working for. ICICI bank cannot deny any such caller or agency as I have proof of its existence.

Tomorrow, lets say, if my child or other children whom she mentioned in the call; any uncertainity happens them in school; should I assume that the authorized agency of ICICI bank are responsible for it just for collection of dues ? She knows about my son’s as well as my nephew’s schools and whereabouts as she has mentioned in the calls that I have got in recording. Today I am ashamed to be ever associated with your ICICI Bank and would recommend all to leave such a bank where a customers privacy and personal life is threatened. I have got all recordings which I have attached to this email; i.e.

(i) the so called Poonam Sharma ( +91 [protected] ) calling my brother and brother-in-law in conference call.

(ii) Conversations with Ms. Reshma Khatoon +91 [protected] & Mr. Sukanta Mandal +[protected].

Today I have lost my face and respect in my entire family and my in-laws. I cannot meet eye to eye with my in-laws. I am so depressed that I feel like committing suicide. My relatives are calling me and wife to express their annoyance and view points on me. Do you realize how shameful it is for me. I have feel like ending my life and sheer responsible will be on ICICI Bank who have authorized such callers who have tainted my reputation everywhere.

I have attached all the recordings and snapshots of the calls received by my brother and others. I humbly request you to kindly hear the recordings and give me justice.

I believe that you will honestly solve this issue. I too am using all my resources to find out the caller's identity & agency.

I hope that you will co-operate and take strict action against the caller and agency.

All attached audio files are in .3gp format & mp3 format. There were several more audio but I think these are sufficient.

I have made a complaint in the local police station also. Attached is also its copy. I have also written to all the ICICI Bank heads including their CEO.

Thank you.

Awaiting your reply.

Regards,

AMER BIN RASHID
amer.b.[protected]@gmail.com