[Resolved]  ICICI Bank Ltd — HARRASMENT FROM ICICI BANK OFFICIALS REGARDING ALLEGED DUES OF CREDIT CARD

Address:

Pondicherry, Puducherry

From:

S.Ramesh,
Mobile:[protected]
Email: [protected]@gmail.com

To,

The ICICI Bank
Head Office
BKC
Mumbai


SUBJECT: HARRASMENT FROM ICICI BANK OFFICIALS REGARDING ALLEGED DUES OF CREDIT CARD


Dear Madam / Sir,


I need immediate action and justice from your end. I need to be
answered to the below logical questions which have been raised. I
need to be paid compensation for all my frustrations, mental agony and
loss of work life balance caused by bank’s error.

Based upon your revert and action, It will be decided to take the
matter up with RBI Ombudsman and court of Justice.

This is to bring to your notice and to your immediate action. I am
Ramesh S. Once, I was your credit card customer. I did not use your
credit card services after I had a terrible and miserable experience
with your service and operations.

Please be informed that so far, I have responded to your good bank’s
collection agent’s call regarding the outstanding amount for the card
no [protected] (which I did not swipe) to be paid. So far, I
have been responding so responsively since I have taken Banking as my
bread and butter and also I am a good human being.

Please be informed that I am in great shock and frustrated about your
good bank’s attitude and way of treating the customers and their
confidential data.

Before I explain further, this should be noted that at no point my
credit rating should not affect due to the above dispute. Since I did
not do any credit default and the credit fraud is under investigation.

Could you please explain why this innocent customer should fall prey
to your good bank’s error and irresponsiveness?

Could your good bank provide me the explanations for the below,

Who raised a request to your good bank to give a additional card.

How my confidential data was stolen from your end (Which is supposed
to be confidential). Please be informed that not keeping my data
confidentially is eligible to get your Banking license cancelled.

On what basis add on card (duplicate card) was issued from your good
bank? Who did verify the KYC norms and who did approve the card to be
dispatched?

Who did receive add on card.

Already, one Credit fraud has been acknowledged by your good bank to
rectify the fraud, reversals has been posted. It shows your banks
lack of controls in process. Root cause analysis was not done properly
to rectify the issue.

Could any of your bank representatives, who are so keen to recover
money which was not swiped or used by me, explain why your good bank
not initiated the investigation so far. If initiated, what is the
result? What is the root cause of the problem? Since my data was
stolen, I lost both physically and mentally. Why should I suffer for
your mistakes? On What basis, I have been receiving the call from the
collection agent continuously.

Please find above attached consolidated statements and analyze
yourself. The spending pattern itself shows that the card has been
misused and spent with an intention to cheat. All the transactions
are pertaining to the year 2008. I cannot be a victim for your lack of
control in your operational procedures. So why should I bear and pay
the dues which is not at all pertained to me.

Why should I take responsible for the error happened from your end?
What is the assurance that your bank itself not forged the documents?
Instead of finding the root cause, your good bank wanted the customer
should suffer.

In a nutshell, I was your credit card customer during 2007-08 and the
card number is [protected]. During the same period a new
add-on card was issued in my name without my knowledge. How it
happened (This will be answered by your good bank). The same card was
dispatched to my old address and it was received by some other person
with some other card no: [protected] and the card was used by
some other person.

The same fraudulent activity by someone in my card was accepted by
your bank after I raised a concern to your good bank and all the
fraudulent transactions on that card were reversed on[protected] as a
token of the acceptance and solution for the problem. I believe, your
bank would have done some investigations about that the fraudulent
card otherwise; there is no need of reversing the fraudulent
transactions. It clearly shows your bank’s operational control and in
efficiency towards handling the customer’s confidential data.

I have the proofs for all these reversals happened.

By deeply hurt and after a heavy mental torture I paid the entire
outstanding dues on my Original card for Rs.35760 on 19May2008 further
I paid Rs.4708 on 01July2008, which were the additional charges
(finance charges). After that, I never used the ICICI credit cards as
i am more dissatisfied with the operational efficiency.

After the above mentioned incidence, the same card has been misused
again by somebody else and a lot of transactions have been done
through that card from[protected] to 5-9-2008. Please investigate from
your end since already the same error happened and your good bank
reversed the transactions. It shows me there is huge control lapse in
every aspect of the credit card services.

After a long gap I have received a mail from some collection
department of ICICI Bank and I was told that there was some amount
Rs.77000 is outstanding in my credit card.

I have clearly explained your good bank’s collection agent that I
didn't use the card. It is your good bank’s responsibility to resolve
this dispute and provide me the reasons for all the blunders happened
right from 2008.

Please be informed, I have been working for a reputed and one of your
great competitor Banks for more than 5 Years. I have been using the
credit card services from AXIS as well as HDFC. Your good bank can
have a check and see my credit behavior.

I never showed arrogance towards any of your collection agent’s
telephone calls. I always answered the calls promptly. It is
disheartening that I am suffering for your good banks error. Why
should I?

I need immediate action and justice from your end. I need to be
answered all the above logical questions I have raised. I need to be
paid compensation for all my frustrations caused by bank’s error, loss
of work life balance and personal life.

Based upon your revert and action, It will be decided to take the
matter up with RBI Ombudsman and court of Justice.



Regards,

S.Ramesh,
Mobile:[protected]
Email: [protected]@gmail.com