ICICI Bank — Fraudulent Transactions in ICICI Bank SAVINGS Account on 8th January 2015 through debit card.

Address:

Mumbai City, Maharashtra

Fraudulent Transactions in ICICI Bank SAVINGS Account on 8th January 2015 through debit card. In continuation of the complaint lodged by my daughter Nupur Jhajharia in respect of fraudulent transaction in Bank Account on 8th January 2015. The bank account no.[protected] is maintained with ICICI Bank, Nariman Point Branch, Mumbai-400021. The account is held jointly in the name of NUPUR JHAJHARIA and KRISHNA GOPAL JHAJHARIA. On 8th January 2015 after I woke up around 7.00 AM, when opened my email account, I noticed that I had received 5 transaction alerts in my email from ICICI Bank for 5 transactions in my joint account for amounts of Rs.39, 989.00, Rs.9, 999.00, Rs.9, 999.00, Rs.10, 000.00, Rs.3, 000.00 totalling to Rs.72, 987.00 between 5.15 AM and 5.20 AM. The transactions were made by scrupulously misusing my debit card data by unknown miscreants. I had also received 6 SMS transaction alerts from ICICI Bank on my mobile number [protected] registered with them 5 pertaining to the above mentioned transaction and one pertaining to creation of 3D Secure Pin at 5.17 AM. The 3D Secure Pin was created by the fraudsters in their own manner and purpose after the first transaction of Rs.39, 989.00 was made at 5.15 AM. I immediately got in touch with the customer care of ICICI Bank at around 7.30 AM and reported to them that fraud has taken place in my account using my debit card and the money lying in the account had been withdrawn by some fraudster. The customer care asked me report the matter to the banks nearest branch and the local police station. The customer care informed the complaint number registering the complaint will be sent by SMS on my registered mobile number. No SMS was sent by them. At around 11 AM on visiting the nearest Prabhadevi Branch for filing the complaint, they refused to acknowledge the complain in absence of complain number from the customer care and copy of FIR filed with the local police station. I filed the complaint with Dadar Police station around 11.15 AM and acknowledged by them. Thereafter several calls were made to the customer care and finally complain no. SR[protected] along with the transaction details were provided by them at 2.30 PM. At around 3.45 PM I again visited the Prabhadevi Branch and filed the complaint with them along with the copy of complaint with the police station, complaint number of customer care and transaction list provided by the customer care and obtained the acknowledgement. The officer assured that the matter will be resolved within a fortnight. The vendors as per transaction list provided by the customer care of the bank were also contacted and alerted regarding the fraudulent transactions. Further details were provided by two vendors. The bank has flatly disowned the responsibility and rejected my complain stating that the transaction has been done after 3D Secure PIN verification. QUOTE “The 3D Secure Pin is a personal information and card holder is responsible for its safety. 3D PIN will not be known to any third party unless compromised/revealed by the Card Holder. The bank shall not be responsible for misuse and debit card/3D secure pin and does not incur any liability for the consequences arising out of any misuse by unauthorised person/s. “ It would be pertinent to note that I had never applied/created a 3D SECURE PIN, moreover the same was created by the fraudster himself, which is evident from the message alert received from the bank. The bank is not taking cognizance of the same and on the contrary putiing the blame on the customer for the lapse/incompetency on their part. On browsing through the net it is observed that maximum frauds take place in ICICI Bank and modus operandi in most cases being the same. CAN SUCH FRAUDS WITHOUT ICICI BANK being in nexus with the FRAUDSTERS? On 3rd February 2015 it was published in Times of India regarding fraud in ICICI Bank and modus operandi was same. IS MONEY IN BANK SAFE? K G JHAJHARIA [protected]@hotmail.com