[Resolved]  ICICI Bank Credit Card — ICICI is asking me to make a payment for a card that I never received, the transactions were made on it before I received it.

Hi, I'm an employee of HCL Technologies Ltd. I blocked one of my ICICI cards XXXX 6008 non 8th March and ICICI executive told me that a new card will be dispatched to me.
1. On 10 th March I received the message that a new card has been dispatched to me on 10th March 12:54 pm and I'll receive it within 7 working days. . But on the same evening I received 7 messages about a few transactions made on a card no. XXXX6061.
On talking to ICICI customer care executive, I was informed that this card 6061 is the new card sent to me by ICICI. I blocked the card then only and raised a Service request to ICICI on their dispute department.
2. After few days, aninvestigating officer came to my home from ICICI with the courier boy. As per the courier boy, he delivered the card on 10th March 12:00 pm (as per entry register of my building) only i.e. card got delivered before the card got dispatched at 12:54 pm.
3. The PAN no. mentioned on the courier boys receiving report was different from mine. Even the receiving report was doubtful as all the names were printed except mine. My details were written manually by using pen in the receiving report. I gave the photo copies of my PAN as well as Passport to the Investigation officer.
4. The signature on the receiving report does not match to the one on my PAN or PASSPORT, photo copy already submitted to Investigation officer.
5. Two of the transactions were made at PUSA service station were of 20, 800.00 and 20, 800.00. As it is a rule that for any transaction above 10, 00.00, the ID proof has to be displayed, so that’s again a point that how could the transactions be made without my Id proof.
6. The Investigation officer accepted that all these proofs clearly say that there is some fraud done and also mentioned that many other disputes have also been raised against this Courier service and vendor.
7. Also, as two of the cash withdrawals were from ICICI Bank ATM only, the web-cameras can be used to track the person.

ICICI department asked me for 45 days to complete their investigation.

Since all these points clearly mention that I have not even received the card from which the transactions have been made, so I’m not liable to make these payments.

But on 27th April, I received a mail from ICICI mentioning that the investigation is in their favour and I have to make the complete payment now.

On talking to ICICI Investigation officer again, they said they can't disclose the investigation proofs and we have to make the payment.

Below is the list of messages I received...

1. I received the message “We have sent your ICICI BigBazaarGold Card through EXPRESS-IT Awb No. [protected]. You will get it in 7 working days”.
From TA-ICICIBNK
Date 10/03/2009
Time 12:54 pm
2. I received another message “You have made a transaction of INR 20, 800.00 on 10-Mar-09 on Card xxxx6016 at PUSA ROAD SERVI. Available Credit limit is 7, 365.47”.
From AM-ICICIBNK
Date 10/03/2009
Time 8:10 pm
3. I received another message “You have made a transaction of INR 20, 800.00 on 10-Mar-09 on Card xxxx6016 at PUSA ROAD SERVI. Available Credit limit is 28, 165.47”.
From AM-ICICIBNK
Date 10/03/2009
Time 8:15 pm
4. I received another message “You withdrew INR 5, 000.00 on 10-Mar-09 on Card xxxx6016 at ICICI ATM Merc. Available Credit limit is 1, 365.47”.
From AM-ICICIBNK
Date 10/03/2009
Time 8:30 pm
5. I received another message “You withdrew INR 1, 000.00 on 10-Mar-09 on Card xxxx6016 at ICICI ATM Merc. Available Credit limit is 6, 365.47”.
From AM-ICICIBNK
Date 10/03/2009
Time 8:33 pm
6. I received another message “Your transaction of INR 10, 000.00 on Credit Card xxxx6016 is withheld due to security reasons.Please call our customer care.”.
From AM-ICICIBNK
Date 10/03/2009
Time 9:22 pm
7. I received another message “Your transaction of INR 40, 000.00 on Credit Card xxxx6016 is withheld due to security reasons.Please call our customer care.”.
From AM-ICICIBNK
Date 10/03/2009
Time 9:44 pm

I request you to please get this issue investigated and resolved as ICICI is asking me to make a payment for a card that I never received.