[Resolved]  ICICI Personal Loan — Fraud Loan taken on my credit card

Hi,

There was a Fraud loan of Rs. 2,30,000/- taken on my credit card in the month of April-2008.
I raised a dispute against the bank on this regard.
Sent a complaint letter to Mumbai (for ICICI Head office) through FAX.
I got a letter saying it will be resolved.
Finally In the Month of October-2008, I got a letter from ICICI Bank that it is resolved in my favour.
And as the case was resolved in my favour, I was able to Close that Credit card.
I have all those hard copies from ICICI Bank, which says my service request is resolved.


Now, from past four months these ICICI bank people are troubling me again, that
there is a payment on my Credit card pending. (As the loan was taken against Credit card).
I tell them all the details then after 10 days a different person will call me.
Now They start saying me i'm doing fraud.

My First Query is:
1. For a credit card limit of around 70K, How did the Bank give a loan of Rs. 2,30,000/- through
their great concept called Loan on Phone.
2. If they give a loan on a credit card, why can't they credit that money to that credit card itself.
They dispatched a DD to a wrong person.
A person with same name as me or any fraud bank account with my name can benefit from that DD. if they would have credited to my credit card account then i would have been responsible for that transaction as i didn't report any loss of card complaint.

3. Why is there no communication between the Collection Department and the inside database.
the Database shows the case is resolved. Whenever i call customer care they say that i need not pay any money and they will update all the records appropriately.

I lost my peace because of these ICICI people calling me continuously after 8 months of resolving the case.

Please let me know how to proceed about this.


Thanks &Regards,
Srivardhan.