[Resolved]  ICICI — Credit card fraud / bank charged more than the fraud amount

Address:

Mumbai City, Maharashtra

I am writing this mail to seek your help/advice on the fraudulent transaction happened on my ICICI Bank credit card.
In Dec’14, Some stranger lady stated that she is from ICICI bank server dept and she has to update my details on the system as per new RBI guidelines and they will be sending me a new card and henceforth my old credit card will not work. The lady had already possess my credit card no and was so convincing that ididnt realised that I am becoming a victim of fraud and gave her my credentials. After 2 hours I got an sms that a transaction of Rs.5020/- has happened on my card against a Airtel mobile bill payment. I immediately called up ICICI customer care and blocked my card and reported this incident in police station. Also, submitted the FIR copy and the SRS No to ICICI Bank.
I followed up about this case with the policeman and he told me the there is an enquiry going on and till that time, I need not pay the money and he has already spoken to the bank about my case.
After 3-4 months of followup, the policeman finally stated that he could not trace the fraudster and I have to pay the amount. Since this was going to affect me in future, I agreed to pay the money.
One of ICICI Bank Executive name visited my house stating that he is from ICICI MIDC branch, I explained him the matter and told him that I agree to make the payment provided he give me a settlement letter. He informed me that I will get a call from ICICI bank Hyderabad branch and they can only provide me settlement letter. Few days later, I got a call from a lady Executive from ICICI bank, Hyderabad branch asking me to make a payment of Rs. 5020/-, I told her I will make the payment in the bank provide she sent me a settlement letter, the lady officer informed me that she will get back to me on the same but there were no return call.
Please note that -
- At first, my personal information has been compromised as the fraudster already had my credit card no.

- If I would have got the settlement letter on time and some waiver, I would have immediately made the payment to the bank branch. But from what I have realised, there were just one or two calls in a month and no immediate response. All this have delayed the matter .

- Some person from banks associated agency had visited my house asking me to make the payment, but when I asked for settlement letter, he had no answer. Please understand, once I have already become a victim of credit card fraud, how could you expect me to make the payment to any stranger coming to my house with no settlement letter.

- Banks Executive always asked me to make the payment of original amount of Rs.5600/- only and not with any interest amount. In the month of Aug’15, Mr Nilesh Narvekar from Bank Agency informed me that he will try to settle in Rs. 4800/- and I agreed to make the payment also. But suddenly after a week, I got a call from him and collection manager Mr Alok Sharma asking me to pay Rs.12, 500/-.

- I was really shocked with sudden change in amount and visited banks JB Nagar branch and MIDC branch, asking for a waiver of interest charges and I will make the payment of Rs.5600/- but I was informed by the ladies sitting in banks credit card dept, JB Nagar branch that I cannot get a waiver of interest charges since I have a salary account with ICICI bank. This is a again a shock for me as I felt having a salary account and maintain a good balance with the bank is become a crime now. This means that I wud have got waiver if I didn’t had any salary or savings account with the bank.


- The banks agency person has been harassing me by day in and day out . The agency guys conversation is also more of threatening and all this has disturbed me and affected my work. Just for mere, Rs.5000, they have threathen to spoil my CIBIL record as well as VISA if I have to travel abroad.

Finally, I called up ICICI customer care and narrated the whole incident to them. They agree to provide waiver of Rs.1500 only and asked me to pay Rs10, 500. Infact, they have already blocked Rs.8147 from my account. Even if I will not pay, they will spoil my CIBIL record.

- I am one of ICICI very old customer and also a privilege member of the bank. I have never gone against the banks rules and always made all my payments on time. Prior to the Dec’14, I was maintaining a good balance account, but when this incident happen, I had to transfer the funds to other bank. Even after this incident, I am still getting calls from fraudsters.

- I am very much disturbed with this entire issue as inspite of my repeated request and discussion, the bank officials are asking me to pay more than double amount. This has made me take a decision not to have any relation with the bank, because they didn’t even care that I am their old customer.

- Its my humble request you to please help me get back my money that they have charged extra.