[Resolved]  ICICIcredit Card — Complaint against ICICI

Dear Sir;

I would like to have your kind attention regarding a transaction with ICICI against my dispute requests SR42939976 dt 21.10.07, SR45367882 dt 30/10/2007, SR48915735 &[protected] dt 26/02/08.

I'm writting the entire matter for your knowledge.

This is regarding a Transaction from ICICI Bank credit card. ICICI Bank Claims that Approximately Rs 38000.00 has been with drawn from my ’Add on’ card on 30/09/07, 01/10/07 & 17/10/07(Card Number : 5177 XXXX XXXX 5102-RAJENDRISH DEVI ) . While I have not with drawn this amount.Then, I put a dispute request SR42939976 dt 21.10.07, SR45367882 dt 30/10/2007, SR48915735,[protected] dt 26/02/08 as I wanted to have all relevant proofs (any video film or Photographs from ATMs, Address of ATMs etc) by the bank, if any transaction has been made by me, Bank must provide it to me. This is my right of information.

I have written regarding this ‘n‘ numbers of time to the bank, made ‘n’ numbers of phone call to ICICI Customer Care but every time I got a new date, a new fake commitment & till date I haven’t received any proves from bank.

When ICICI asked me to collect the transaction CD from my ICICI Preet Vihar- Delhi Branch on 20/01/2008, I visited there, one of the ICICI Official says, “Transaction CD has been lost.”
Again ICICI writes they have issued one duplicate CD, Again I can collect it from Preet Vihar Branch on 04.02.08, but when I visited there, no Transaction CD was there.

On 12feb 2008, i visited ICICI Preet Vihar Branch, had an interaction with an ICICI official. He has shown me the CD of the Transaction made only on 17.10.07 which was a minor transaction of Rs 1000.
As per customer care, my card has been used from 04.00.39 PM to 04.01.43 PM for the transaction on 17.10.07.
(Transaction detail on 17.10.07, collected from ICICI Customer Care is given as;

S.No Transaction Time Status Amount
1 04.00.39 PM Successful Rs 500.00
2 04.01.26 PM Fail ---
3 04.01.35 PM Fail ---
4 04.01.43 PM Successful Rs 500.00

But i was surprised & disappointed, no pics/ photograph was available in that Transaction CD from 04.00.27 PM to 04.11.33PM. I am shocked How can a Bank like ICICI do such a big mistake.

Then I put a mail to Mr Kamath ( MD ICICI) & your Head Service Quality regarding this & ICICI got back to me with a mail that “this dispute will be resolved with in 45 days” & Dispute request no[protected] but Yesterday, ICICI blocked my saving bank account also with out providing any proofs & with out intimation.

I talked to customer care, they told me, Bank has taken the decision in his favor.
But it was not the question of the favor . while It was the question of Non-Responsiveness of ICICI & its neglieance, it was the question of trust which a old customer have for ICICI, It was the question of liability of ICICI for his customer to provide all neccessary information.It was the question of mental haarasment done by ICICI for last 07 months & still i'm fighting with ICICI for my right of information.

If you will go through my mails exchanges with ICICI Customer Care, you will be surprised that ”I am fighting for my right of information for last 07 months.” Because of Bank negligence & delay, how much I’m suffering? But Bank is unable to provide me any of the relevant information, but not to fail send its monthly statement with increased charges.

Really I am very disappointed, mentally harassed with such a worst experience with ICICI. I am passing through a mental harassment made by ICICI for last 07 months, which i never expected from ICICI because I used to think that ICICI is the best bank of india but unfortunately ICICI changed my perception. I am a genuine customer of ICICI for last 05 years, done a lot of banking with ICICI.

I always preferred ICICI for banking & also recommended to others.Of course always i had an intention to close this issue as earliest as possible but every time ICICI gave me fake commitment, because of this experience of mine, i am loosing my faith over ICICI.

I am really very upset & feeling mental harassed & but writting this mail to you because i want to make clear myself for ICICI's Policy/Process/Way of working through you.

I request ICICI to let me know the few answers through you,

1.If customer ask for the relevent proffs for any transaction, is it not the liabilty of ICICI Bank to provide the required proof ?
2.Getting Information is not the Right of Information of a customer?
3.Does ICICI unable to provide any required proof for the any transaction or is ICICI is unable to provide all required proofs for the said transaction?
4.How much time ICICI should take to resolve this matter, as ICICI already taken approximatly 7 months ?
5.How ICICI can block my ICICI account with out providing any proofs / with out any intimation to me? is it fair?

I request to ICICI to give me their comments for the above.

I hope you will do needful definitely.

Looking forward for your Co operation.

Thanks & Regards

Vinit Sharma
[protected]
New Delhi