[Resolved]  ICICI Bank — ICICI BANK Credit Card Fraud

Address:

East Delhi, Delhi

I would like to inform you that below all transactions have been made in favour of ezeego
Rs. 13502 Recipt no. 593644
Rs. 6169 862375
Rs. 3964 898919
Rs. 9282 723428
R. 4641 843205
on dated-11/10/2011 withouut my information and I did not get any alert for these trasantions only I got a message that-ATM pin (for cash transactions) has been generated but the person who has generated ATM PIN for cash transaction could done due to my cash limit was zero.I inform to bank at 3.55 AM and for flight were after 4 am but could not stopped it just to say that you have to fight your self and you have to pay this amount. I it has been also published on Times of India on dated[protected]
CREDIT CARDS

Petty fees and big fraud

When Kumar Mangalam Birlas credit card was cloned and used by fraudsters in Bangalore in September,it took his bank just a few days to reverse the 2.86 lakh charged to his card.Lesser mortals such as Amir Khan arent so lucky.The Delhi-based BPO worker has written several mails,made numerous calls and visited his bank branch,but his complaint against fraudulent use of his credit card remains unresolved.The bank has slapped a late payment penalty and interest charges on Khan,taking the disputed amount to over 45,000.Grievances related to credit cards are among the most common complaints reaching the consumer forums.These range from credit card fraud to small charges levied on unsuspecting cardholders.But customers such as Khan dont have to take things lying down.The RBI has taken a stern view of the questionable tactics used by banks and credit card companies to resolve these disputes.It says that a customer should not be forced to pay an amount if it is disputed and has also fixed deadlines for resolving these.Your credit card issuer could also be the reason why you get pesky calls from telemarketeers.The RBI has banned card issuers from passing on information to third parties.Unsolicited cards,overcharging and missed statements are some of the other flashpoints in credit card services If you have a complaint,first raise it with the banks customer care department or the grievance cell.If it is not satisfactorily resolved within a month,you can approach the banking ombudsman.If you are still not satisfied with the ruling,the issue can be escalated to the RBI and finally taken to a consumer forum-
Now the my concern is that as per RBI guidelines-
RBI orders banks to provide SMS alert for credit/debit cards transaction.
New Delhi: Customers will get SMS alerts for all transactions done through their debit or credit cards from June 30, 2011. Aimed at checking fraudulent transactions and encouraging usage of cards by customers, the Reserve Bank of India has issued guidelines to all lenders for providing SMS alerts for all card (credit as well as debit card) transactions irrespective of amount latest by June 30.

As per cover story of which has been published on dated[protected] in ecomics times related to me and Times of India on dated[protected]; it says-
A bank cannot issue an unsolicited card.The consent for issuance of a card or other products offered must be explicit.If a bank issues an unsolicited card,the customer can demand a compensation.Also,he will not be responsible if it is misused.The card issuer should not reveal the information related to the customer to any other person or organisation.In case of a default,banks and recovery agents cant resort to intimidation,verbal or physical,and humiliate or intrude the privacy of the cardholders family,referees and friends.If a customer disputes any bill,the bank should provide an explanation and evidence within 60 days with the spirit to amicably redress the customers grievance.
However- I got n numbers of calls to pay this amount which I have not used; and Rs.8000 has been charged as late fee and interest charges- and now- I got an e-mail from ICICI bank-
Dear Customer,

As on month December 12, 2011, the total overdue amount on your ICICI Bank Credit Card 4477xxxxxxxx8004 is 53745.66. The status of the outstanding on your credit card has been submitted to the Credit Bureaus like Credit Information Bureau of India Ltd (CIBIL).

We would like to inform you that:

Reserve Bank of India guidelines mandate all banks to submit their customers credit data to Credit Bureaus. Your month on month payment behavior impacts your credit score that credit bureaus provide to banks.

Non-payment of dues may have an impact on your ability to borrow or carry out financial dealings with any bank or financial institution in the country, in future.

We urge you to expedite the payment of the outstanding amount. Only once the payment is made, will we be able to initiate the process o[censored]pdating the information with credit bureaus. If you have a pending dispute/ query, please call our 24-hour Customer Care for any assistance.

It is very tough situaltions for me whatever ICICI bank has done with me. now I am not able to take loan and credit card however I have not used this amount;here ICICI bank says as per RBI guidelines they have forwarded my details to CIBIL however they have totally ignored whatever RBI has given guidelines for transactions details; anyone can stop the transactions if he/she get alert from bank and if he is not doing that transactions. Here My issue is totally clear; that a card holder has right to get alert from bank I did not get; after whatver ICICI bank is done now I am ill and partially paralised.

URL---http://lite.epaper.timesofindia.com/getpage.aspx?pageid=20&pagesize=&a...⇄

and[protected]

http://lite.epaper.timesofindia.com/getpage.aspx?pageid=30&pagesize=&edi...⇄

ICICI bank says :"Khayal Aapka". Its awesome.