| Address: Thane, Maharashtra |
Subject: Fraud & Theft of Rs. 47,000=00 from my bank account
Dear Sir,
I, Mr. Vinayak Chandrakant Kulkarni, a resident of 101, Stanford, Hiranandani Estate, Ghodbunder Road, Thane (W), would like to bring to your notice that, my Savings Bank Account with no:[protected], with ICICI Bank, Mahalaxmi Branch, Mumbai, has been fraudulently debited without my knowledge for
Rs. 47,000=00 (Rupees Forty Seven Thousand only) on the night of 29.12.2011 & early morning of 30.12.2011, as per the attached statement.
The sequences of events are described as follows:
1. I withdrew Rs. 3000=00 by ICICI bank debit card no.-------- from the above mentioned account of mine from ICICI Bank ATM located at Hiranandani Estate at around 8.10pm.
2. On the early morning of 30.12.2011 I received a SMS on my mobile for a debit of Rs. 47,000=00 (Rupees forty seven thousand only) from the same account number, which I never withdrew from any of the ATMs.
3. On receipt of this SMS, I immediately checked for my debit card if it was stolen. However I found the debit card in my safe custody.
4. I immediately called ICICI Bank call center and spoke with Mr. Pradeep & Mr. Harish, informing about this incidence and lodged a complaint with them (complaint no:[protected]. They also confirmed that the amount is debited from my account, and they also informed me that this amount was withdrawn from an ATM located at Vashi Sector -10 between 11.54pm & 12.06am as per the Bank records. I instructed them to immediately block my debit card with immediate effect.
5. I approached the ICICI Bank Branch at Vashi, where I met with Ms. Shikha Priya & Ms. Prachi Mathur. Both of them informed me that they shall inform their vigilance team to check with the matter by scrutinizing the CC cameras. They also informed that the entire process shall take about 5 weeks to do the investigation and inform me accordingly.
Looking at the modus operandi of the above mentioned incident and the fact that the ATM card was in my possession during the time of fraudulent withdrawal of my hard earned money as mentioned above, I strongly suspect that my ATM card may be cloned by someone with the help of ICICI bank. Further I would like to bring to your notice that the said ATM card PIN number could have been covertly obtained at your ATM center at Thane during my withdrawal of money on 29/12/2011 at 2010 hrs. The above incident has happened due to your unsafe and deficient procedures which prevalent at the ICICI ATM centers. I have already lodged police complaint regarding the above fraudulent transaction of money from my bank account with Vashi police station, Kasarvadavali police station, Cyber Cell Navi Mumbai and Cyber Cell, Thane.
In view of the above, I request you to inquire into my above complaint and refund my hard earned money without any further delay.
Thanking you
With Regards
Vinayak Chandrakant Kulkarni
Mobile No: [protected] / [protected]
Encl:
C.c: To, DCP Crime – Cyber Cell, CBD Belapur, Navi Mumbai,
To, ICICI Bank, Vigilance Department, BKC, Mumbai
Aug 13, 2020
Complaint marked as Resolved 
Credit card payment — Payment Settlement
Dear Consumer Complaints,This is to inform you that the HDFC credit card payment due on me is 160000 INR as on today for card number [protected]. As bank have made the settlement their own and they asked me to pay back all the outstanding amount in 10 installments while taking the cheqe numbers over phone. And the bank collected the 1st installment 10,700 INR cash and one cheque of 12000 INR with receipt from bank which comes after 15 days of 1st installment, out of the total dues of 170735 INR without any agreed signature on the settlement letter. I requested HDFC to just convert all the outstanding in the 36 equal installments instead of 10 installments as it's very difficult for me to pay in 10 installments. They asked me to stop the payment for the cheque and they agreed to do something best. Same have been communicated to HDFC bank head office through several e-mail. But I was surprise to see the reply received from bank stating that settlement offers are time bound. Hence it becomes essential to avail/comply to the terms of the settlement offer by effecting a payment towards the agreed amount within the stipulated period. In the absence of the payment within the stipulated time, the settlement offered would be considered void.
And there is an outstanding of Rs. 192,020.20 due and payable as on date We request you to effect immediate payment towards atleast the minimum amount due of Rs. 20,315.88.
And bank started calling and harassing me for payment.
Requesting herewith please help me out with a effective solution.
With reagrds,
Sailendra Singh