[Resolved]  ICICI Bank — Fraud transaction on credit card [protected]- of Rs.45000

Address:

Bangalore, Karnataka

Dear Sir, I need support from Banking Ombudsman, Reserve Bank of India team to clear the Credit card - 9 disputable transactions each of RS.5000/- . Total disputable amount - Rs- 45000/- Yesterday it was communicated by ICICI bank management to raise this issue to your forum. Along with this FIR copy also kept. Request to support and remove Lien mark from my saving account of ICICI bank. Following documents and details attached for your referance based on our telephonice discussion 1) Ackowledge copy from Police station 2) FIR copy 3) ICICI Statement copy where all these details reflect. 4) Buil d desk report for 8 transactions happen at Oxigen 5) The one transaction happen at Air tell report not received i am following withairtel to get the report. 6) IP address given by ICICI bank from where all these happen : 106.205.138.77 7) Based on build desk report we got the Details of the person who has done these fraude transaction of my credit cart is ICICI customer and as per ICICI its KYC is Geniun ICICI bank account number :[protected] ICICI brnach : Noida Ghaziabad ICICI bank LTD Ground floort & basement staller IT Park C-25 SECTOR 62 Noida 201301 A/C holder name : Shivam Sharm Address : Gali No 1, Golar road, Aligarh Uttarpradesh 20002001 Email : shivam[protected][protected]@gmail.com 8) Details of the transactions and muchant id All 9 Fraude transactions details kept for your refernace. Out of 9 transactions one transaction happen on your site and remaining 8 transactions happen on Oxigen. site. Deatails of transactions given in Time, Murchant Name, Place, ID, Transaction ID format below. Date: 26/03/2013, Time 10.41pm, Airtelbuildx Mumbai 5000 ID- 220450 TRANSACTION ID [protected] Airtel buildx Email id :grievance.[protected]@airtelmoney.in Deatails of transactions given in Time, Murchant Name, Place, ID, Transaction ID format below. Date: 26/06/2013 Time: 10, 45 pm : OXICASHBILLDESK Mumbai ID 420183 TRANSACTION ID [protected] Date: 26/06/2013 Time : 10.49pm : OXICASHBILLDESK Mumbai ID 772963 TRANSACTION ID [protected] Date: 26/06/2013 Time :10.58 pm : OXICASHBILLDESK Mumbai ID 185337 TRANSACTION ID [protected] Date: 26/06/2013 Time :11.01 pm : OXICASHBILLDESK Mumbai ID 532300 TRANSACTION ID [protected] Date: 26/06/2013 Time :11.05 pm OXICASHBILLDESK Mumbai ID 622768 TRANSACTION ID [protected] Date: 26/06/2013 Time :11.09 pm : OXICASHBILLDESK Mumbai ID 427182 TRANSACTION ID [protected] Date: 26/06/2013 Time :11, 13 pm : OXICASHBILLDESK Mumbai ID 815623 TRANSACTION ID [protected] Date: 26/06/2013 Time :11.16 pm : OXICASHBILLDESK Mumbai ID 940996 TRANSACTION ID [protected] Murchant name: Oxigen Services India Private Limited 264, Udyog Vihar, Phase 1, Gurgaon, Haryana – 122016 Contact person Lokesh Kumar Team Leader | Customer Resolution Contact number : [protected] Email ID: Divay.[protected]@myoxigen.com [protected]@myoxigen.com lokesh.[protected]@bcubeit.com 10) My Credit card Numer : [protected] Base card number : [protected] 11) Lien marked letter from ICICI bank on my Saving account of ICICI :[protected] of Rs. 54309.25/- ( Rs45000+ Interest charged from 26/06/2013 TO Till date) 12) Applogy letter from ICICI bank - I had made the payment which already i consumed WITH out these 9 fraude transactions but bank has not accepted the cheque. Then before due date through ICICI ATM i paid the amount that i consumed and communicated to bank stop the cheque. After two month in Month of Sept the cheque was gone for clearnae and gets dishonered. They directly deducted RS. 200/- from my account. Also i received screeming call from ICICI bank and pushmed to me topup money in bank immedtily in bank and pay the amount. I went to bank but they refused and told me that you have not communicated to bank to stop the cheque and we can not update CIBILL history. At the time of stopping the cheque i kept all details of the ICICI person to whome i have updated. Service requeste. Confirmation of service request.This all backup data i shown to bank. Then ICICI bank realized that mistake happen from the bank and even though it was asked to stop the cheque and related payment made after 2 months cheque gone for clerance. ICICI bank accepted the fault that its internal system failuar. No communication between people in front end and at backend. Also the person who has called me i have given his name to ICICI managment and they after one week they stopeed for calling. Also bank has given appology letter and RS.200 again credited in my account. But they have not given any confirmation about my CBILL history updated or not. 13) Root casue I requested ICICI bank to find the root casue. Be Nutral. there will be two possilbities 1) I have shared all my detaits of the Credit card, Phone numbers, 3D password to all Now for first possibility after transactions within 5 mins i owner of the Credit card asked bank to stop the payment. But Bank refused to do so. 2) During online transaction some one has hacked the data If this happen then there is possibility of " ICICI gateway' venerable to viruse. If while doing any onliailne transactions if " Hacking software" able to capture the details then there is issue with Gateway. My Analysis based on the facts For possilbity 1 as customer immeditly i informed to bank to stop the data so this possiblits rule out. For 2 nd possilbility as per Build desk report money gone back to ICICI bank Account. So the person who has done these fraude he well aware of the system loop hole also he well aware of the IT systems. But ICICI bank managment only updated me that these transactions done by me as they can not distingwish between me and other person as its only numbers. Also they told me that ICICI system not vernrable to viruses. Now below compelte incident details updated My Name : Chaitanya Diwan Located- Bangalore What exactly happen ? On 26th June Night i was watching the TV and around 10.40pm i got message on Mobile message. I thaught some one has sent the message so i ignored it. .Then i got second message at 10.55 pm. So i picked the mobile to see who has sent the message. I was shocked two transactions happen on my ICICI credit card ( [protected]), Base card number ( [protected]) of ICICI bank. Immeditly i called ICICI bank. But almost 10 mins i was in Que and later ICIC call centre person told nothing to worry and finally card was blocked at 11.15pm. During that period i am helplessly seeing the transactions happening on the card. Total 9 transactions happen of Rs. 450000/- Then i asked bank to stop these payment as its fraude transactions. But bank refused to carry out this action as per bank its valid transaction done with 3D secure password and all credit card detals. I told bank that its clear case that some one has hacked the credit card details as well as 3D secure password and done this fraude Then i asked bank to send the transactions details but bank refused to give these details. Only bank has given murchant name. Based on that with the help of ' GOOGLE' search engine i found the murchant name " Oxicash" and " Airtel and contact details. I contacted " Oxicash" site and the admited that total 8 transactions happen on thier site but they said if bank confirms it then only the can stop the payment. I begged ICIC bank to inform murchant that these are fraude transaction but ICICI bank refused. ICICI bank always saying that these transactions done by me then how can i asked stop the payment with 5 mins after transactions. Finally murchant said its not possible to hold the money and he released the money. Then i requested murchant to give the details where exactly money gone. Murchant feels bad that some one has used their site to carry out this fraude. Finally muchant aggreed to support me to get build-desk report. ( Here i want to highlight the Murchant who i am interacted few hours ago and who dont have no direct linkage ready to support me based on the details i shared but UNFORTUNATELY ICICI bank not ready to support as since 16 years i am Privallange customer of bank - As per my understanding they got " MOST TRUSTED BRAND IN INDIA, MOST TRANSPERANT BANK AWARDS) Parally i filed complaint in Indiranagar police station. Also i filed complain in " Consumer court - Akosha' I received the build-desk report and it was really shocking as per the report money gone back to ICICI bank Account. Details given below ICICI bank account number :[protected] ICICI brnach : Noida Ghaziabad ICICI bank LTD Ground floort & basement staller IT Park C-25 SECTOR 62 Noida 201301 A/C holder name : Shivam Sharm Address : Gali No 1, Golar road, Aligarh Uttarpradesh 20002001 Email : shivam[protected][protected]@gmail.com As per ICICI bank from following IP address transactions happen : 106.205.138.77 With these details again i initiated communication to ICICI Bank and involved ICICI managment - MS Chanda Kochar' and first time bank responded possitively and updated me that up to Nov 2013 they give feedback. Same they updated to consumer court. I feels very happy that finally bank has accepted for investigation as its clear case of fraude and the person succeded to crakc ICICI " Gateway" security system which he can apply lack of customer of bank. During discussion with bank repersentativs they told me that same perosn has done many similar fraude and his account is .under scanning But my fight was not stopped as even though ICICI managment given communicaiton to me for investigation of the matter but from ICICI collection team started calling me screaming called and building pressure to deposit the amount. Every time i shown then the letter from ' Ms Chanda Kochar' desk. Then they send my name " -ve LIST " in Cbill. So inspite of communication from ' Ms Chanda Kochar ' desk midlle managmen team build lot of pressure to pay the amont. Last week they Lien Marked on saving account . As this is my salary account and home loan is going through account every things now on stake. Yesterday i got email from " MS Chand Kochar" DESK to raise the matter in RBI and asked me to pay 54000/ with interest otherwise once salary deposited at 1/1/2014 they will take that amont from saving account. Also it was told that the ICICI customer where these money goes back its KYC is rite and he is geniun customer of ICICI Bank. With this feedback from ICICI bank i am shocked and now send email send to your forum to support me. As earliar ICICI bank has bagged many awards like " Most TRUSTED brand" but this not reflected in actual. Even though i puts facts on table bank refuse to accept it. Request you to give the justice and remove Lien marked from my Saving account. Regards Chaitanya Diwan Worried customer of ICICI bank and Common man [protected]/ [protected]