[Resolved]  ICICI Bank Ltd / Credit Card — Fraud by ICICI Bank

I have applied for an ICICI Credit Card long back (most probably in the year 2005) from Faridabad . But I never received the card. A person called me for delivery of the card, but I was out of station at that time. After almost a year, I again received two calls for verification of credit card application and I told repeatedly that I had applied for a Credit Card, but never received the card. I thought that it might be the same card which I had applied for. After few months I had received two add on cards as mentioned below

1. Credit Card No.[protected] Date May 17,2007

2. Credit Card No.[protected] Date May’10,2007
( These two cards still with me cut in pieces and no transaction has been done in these cards two cards)

After that in the month of August'2007 I received a Credit Card Statement (Statement Date: Jul 28,2007, scan copy attached here) of Card No [protected], which was neither of the above two add on cards nor I had ever received any card of this number. The amount due to this credit car was Rs.1,57,282/-.

Immediately I called ICICI Bank Customer Care and lodge a complaint, Reference Number SR33396340 for not being responsible for the transaction and non receipt of the card. Against this complaint I received a letter Ref No.:080607/133963C

After that I received another statement ( Statement Date August 29,2007,), in which temporary fraud credit was done.
After that I received another letter, Ref No.: 090707/149470C with a new case reference no 37158009.

In the mean time ICICI Bank Representative Mr. Govind Singh (Mob No.[protected]) met me at my office in Faridabad on 25.09.2007 for enquiry. I told him that I had never received the Credit Card [protected] and also I had given him a written complaint in ICICI bank format for 'NEVER RECEIVED CARD'

After that I received another letter from ICICI Customer Care Ref No.: 090707/167820C in which there no mention of 'never received card' investigation.

In the mean time I left Faridabad and relocated to West Bengal as I changed by job.

In the above all written communication to me by ICICI Bank, you never mentioned that you have investigated “NEVER RECEIVED CARD" complaint.

On 18th Feb'2010, I received a call from Mr. Choudhury ( Mob [protected]) as Sub-Inspector informing me that he has an arrest warrant against me to produce me in Delhi Patiala House Court on 19th Feb'2010 and given me the contact of ICICI Bank advocate Mr. V Ramani ( mob[protected]). Mr. Ramani is repeatedly calling me for depositing the money to ICICI Bank pending against Credit Card [protected] and Mr. Choudhury is repeatedly asking me to resolve the matter with Mr. Ramani, otherwise he will arrange to arrest me from Ahmedabad ( I am presently staying in Ahmedabad) and produce me before the court.

After that I complained in writing to ICICI Customer Care through e-mail ( the series of communication is attached here), but they never resolved the matter.

I have given all the evidences from my side for not being the card holder and not being responsible for the transaction and asked for evidences from bank's side. But they did not shared anything. Even they the have not shared the investigation reports of my complaints.

Recently ( in the month of Feb'2012) Mr. Rajesh ( Mob-[protected]) claimed to be ICICI Bank employee, called me and asked for the payment and threatened for legal action against me. I told him the above matter and requested him to find out the e-mail communications between me and ICICI Bank Customer Care. But he has given me an e-mail id (ku.[protected]@icicibank.com) to send all the above communications and evidences. But I have not shared these detail to this mail id as I doubt that this mail id is not of Mr. Rajesh. I have also given him my mail id and requested him to send the evidences and investigation reports and he agreed to send. But till now I have not received anything.

After the first call, Mr. Rajesh called me twice till date, but I could not received his call due to some personal reasons.

Following bullet points from my side.

1. I have never received the credit card.

2. I have complained for non receipt of card, but not received any returm communication for non receipt.

3. I have given evidences for not being present at Faridabad where the transactions happened at the time of transaction.

4. I have never made any cheque payments to towards any credit cards. But the statement showing a payment of Rs.98000/- through cheque.

5. The credit limit showing on the card is Rs.59000/- and transaction happen Rs. 1,57,282/-.