[Resolved]  ICICIcredit Card — Disputed Transactions

ICICI CREIT CARD — transaction dispute

my self pooja, i have a credit card with icici bank,
my card no[protected], credit card dept paid my lic pemium Rs.4889/- without my permission, my lic premiun due date was in aug, i have already paid my dues to lic, thats way double preimun was submitted in lic dept, icici credit card dept send me statement of dues Rs 4889 against payment, i called to custmer care & ask why u have pay my due, they tel me madam apne kaha tha, i told why shoukd i pay this amount, u have to take that amount from lic, i will sign any document regarding that, they dont have takn any action, right know icici bank make a case against me,

pls take it serious our problems

ICCI CREDIT CARD — Dispute for transaction

Sir
An unauthorised transaction is happened from my credit card for an amount of Rs.24375 on 14 Nov 08.I make a call to customer care as soon as I knew about this.Bank requires 60 days time for the investigation and advice me to make payment before 5 Dec.Please give me your valuable advice about the steps to be taken

SIR,
I HAV BEEN USING UR CARD FOR QUITE SOME TIME, EVERY THING WAS FINE UNTILL YESTERDAY, I HAV BEEN TRYIN TO BOOK TICKETS ON LINE FTOM IRCTC.COM. BUT IN VAIN
EACH EVRY TIME I TRIED AN ERROR MESSAGE WAS DISPLAYED
" UNAUTHORISED USAGE"
I REQUEST U TO PLZ SOLVE THE PROBLEM & ALLOW ME FOR FUTRHER USAGE.
MY CONTACT NO IS [protected].
THANKING YOU
ANAND.
PLZ DO SEND ME MY BILL TO MY MAIL ID.

To : ICICI BANK

Reg : Incorrect Statement for My Credit Card No. [protected]

Dear Sir,

I have been using your card no. [protected] from 2007.
In the month of Nov 2008, the bank credited amount Rs 2481 from my account against the payment for Vodafone essar mobile. I checked with the Vodafone and found nothing has been received to them from my account. I complaint the same to ICICI. The bank corrected the same against my complaint no. SR90537727 in my next December Statement.

Now in my next and current statement for the month of Jan 2009, the bank again added the above amount in my statement which I didn’t used.

These is taking a long time kindly look into the matter and resolve this matter on priority basis otherwise I will stop the minimum payment for my usage.

Hope for your quick and corrective action.

Thanks
Rgds
Ramit Choudhary
Mobile : [protected]

Dear Sir
Pls note we have also Fax this letter to ICICI Bank Bombay office on these no.[protected] & [protected] but we don't have receive any message bank received a letter or not.Pls confirmon my mobile -[protected].

Regds
Ramit

Here is update on this. After adding the complain I got a response from head service quality people through mail. And they had sent me the documents (credit card receipts and invoice (bill from merchant)) few days back 20/04/2009.
1. Signature present the receipts those are sent by bank to me, are not matching with my signatures.
2. Invoice sent by the Bank is totally FAKE without my address and my name on the bills.

I am interacting with Sheetal Thakur of HEAD SERVICE Qualit. I repeatedly asking the same questions to her and she is repeatedly sending the same mail to me again and again.
Here is snipptes of my mail as well as her mail
Hi Sheetal Thakur,



Could you please let me know where I can access the process in details.

Still I did not get the clear answer of my queries which I had before as well.

On what basis these two transactions are reported in favour of bank.
Sigh on the receipt are not matching with my signatures.
Bill which you had sent to me is not in the name of my.

I had reported these two transaction as disputed one’s before you had paid amount to merchant. Ideally you should have not paid to the merchant as once you got the receipts from mercent you should have matched the sigh which is not matching in this case. So ideally there should not be any payment from your side to merchant.

Please clearly suggest on what basis these two transactions are reported in favour of bank.



regards
Kamal Kumar
+91-[protected]




[protected][protected][protected][protected]

From: Head Service Quality [mailto:[protected]@ICICIBANK.COM]
Sent: Tuesday, April 21, 2009 4:04 PM
To: Kamal Kumar
Subject: RE:'ICICICARE=[protected]' ICICI Bank Credit Card



Dear Mr. Kumar,

We refer to your e-mail of April 17, 2009 addressed to Head Service Quality.

We inform that the dispute on a credit card transaction, we follow the process laid down by VISA / MASTERCARD universally.
As per the clarification received by the merchant / merchant's bank the dispute has been resolved in bank's favor.
Further, as per the terms and conditions under which the card was issued to and accepted by you, you are bound to make payment for the transaction.
The Card Member is responsible for the security of the Card and shall take all steps towards ensuring that the Card is not misused. In the event that ICICI Bank determines that the aforementioned steps are questionable, financial liability on the lost, stolen or damaged card would rest with the Card Member.
We have a specialized team which will make all verifications before judging the release of the dispute. We get in touch with the merchant to verify the details of the transactions.

To avoid any such misuse we request you not to provide any details regarding credit card account to unauthorized personal or organization.

The Bank cannot be held responsible for the act(s) of the merchant when the transaction has been approved while the card was in your possession.

Further, credit card is a personal possession and the cardholder needs to take proper care of its safety to prevent its misuse.

Your outstanding balance on your ICICI Bank Credit Card Account Number 4629 XXXX XXXX 6028 as on April 21, 2009 is Rs.105890.80.

Sincerely,

Sheetal Thakur
Office Of Head Service Quality

I dropped a cheque nr lalbunglow circle at icici bank atm, but the cheque got in clearing after one month, I called up the call centre but no response, I wrote a mail to icici care but only they reversed 50% charges, they promised me to send me the xerox of my cheque but havent sent. I was waiting for that cheque copy. but today I received another statement where I was charge 517 late payment charges over the amount 250/- which was the previous month late payment charges. I told ICICI care that I will pay after receiving my cheque xerox but yet no response I received. Totaly dissatisfied with their service

My card number :- [protected]