[Resolved]  ICICI Bank — ICICI BANK IS FRAUD........

To,
The ICICI Credit Card Manager
Subject: Regarding fraudulent transactions on my card. (Service Request Number: 51671054dt 11-1-08)
Dear Sir/Madam,
I am holding ICICI Amex Card[protected] in 2006. I have not used this card either online or at any swipe machine or in any ATM. The card was safe in a locker. Nobody else has access to the card. I have never used this card for any internet transaction till date. I have never provided card details to anyone on phone or internet. Thus there are no chances of getting the card details such as card number, CVV number, and expiry date etc.
On 8 -1-08 I got SMS alert for following transaction
Transaction 1: of Rs 48048-00 on 8/1/2008
We came to know for more transactions when we reported the matter to Customer care.
Transaction 2: Rs 956.00 on 8-1-08 ………NO SMS
Transaction 3: Rs 449.00 on 8-1-08 ………NO SMS
None of the above transactions were done by me or authorized by me.
I called up the CUSTOMER CARE as soon as I realized about the fraud and requested for blocking of the card.
I called up call center to track that person right away but it was not done by your department. If this would have been, the IP address of the computer where all the transactions were attempted from could have been obtained. And this could have helped in getting the unauthorized user caught.
As we have to report the matter to POLICE & MEDIA, we request you investigate & provide me the establishment from where debit transaction has originated.
I was going thru the ICICI bank eseva – epayment website, I am surprised to know that a similar complaint has been filed by the card holder of xxxx xxxx xxxx 8002, which has a numerical connection to the last four digits of my card .This is not a coincidence .
This clearly shows that the some data from your credit card department has been shared with unauthorized persons. This is a serious lapse on your behalf.
This has resulted an unnecessary trouble & metal stress to me.
I would like you to take necessary steps to investigate the matter & credit my account with immededite effect.
Yours truly,
SUKHJINDER SINGH
[protected]
[protected]@yahoo.com

General Manager Dated:24.10.08
Credit Cards Division
ICICI Bank (India)

Sir,
I like to bring the following to your kind notice for taking appropriate step so that a bonafide customer of your bank like me do not suffer for no fault of his own.
I have been intimated of my payment dispute only on 8th August, 08. Before that neither any documents nor any SMS was sent to me giving me information that I have a pending of Rs.10, 200/- and Rs. 8, 624/- has been deposited to another account (Future Bazar). I have made payment of Rs.8624/- in March, 08 but you have remained silent for the next 4 months (upto july, 08) about the fact that in my card (..6004) there is due of Rs. 10, 200/-. Thereafter I have repeatedly contacted your office at 2A Upper Wood St, Kol but they have unnecessarily delayed about clarifying my queries and suddenly pending of Rs. 10, 2000/- has been shown to be due from August, 08. If you would have informed me about this due in April, 08 I could have easily sent you the dispute form confirming details of transaction within 90 days. So in this regard there is no fault on my part?
It is beyond my comprehention and belies rationality how on the same date payment is made from my card both at Chennai (Sabari Classic) and Mumbai (Future Bazar). That I was in Chennai on that particular day can be authentificate by the ‘Conference Certificate’ and Government permission order in favour of me.
I strongly and honestly believe there is a gross mistake on your part for which you are making one of your genuine customers helpless victims. But don’t forget in this even-increasing trend of high competitiveness in financial sector you will not be able to go far being hostile to customers instead of being customer-friendly. However, today I am paying Rs.2100/- (minimum Amount due till Oct, 08, Cheque No.430126 of Bank of Baroda, Jodhpur Park) and also blocked my Credit Card.
Awaiting you prompt and positive reply.
Thanking you.
Dr S. Chakraborty
Scientist
(Gazetted Officer)
CGCRI, Kolkata
Council Of Scientific & Industrial Research
(Govt. of India)

I don't agree with what ever u people are trying to convey about ICICI Bank because. My father has a account and I operate the account till today we have't over drawn or even bounced even single cheque. They give utmost importance for a customer who takes loan and promptly repays it back. The most important aspect people misjudge about a bank like ICICI is that they are fraudulent banks but they aren't, a bank who follows, its policies strictly unlike other banks.I would give full marks to a bank like ICICI Bank it is always the consumers who are at fault and not the banks, till today I have't heard of ICICI bank being compensated to any customers for wrong activities it is the customers who perceives it wrongly because one should't take loans beyond their loan disposable capacities, so a bank like ICICI lends loan without taking much care on the credit worthiness of the person and considers salary as a prime securitization tool for lending loans which is absolutely a wrong method of running a financial institutions. so care as to be a taken by customers before taking loans