ICICI Bank Complaints & Reviews

Hi,

I used my ICICI debit card in a hospital (SPRUTHY HOSPITAL) at Bangalore on[protected] to pay doctor consultation & laboratory charges of amount Rs. 541/-.

Next day when I logged in to my online account I found that the amount is deducted twice for the same transaction of Rs. 541/-.

Immediately I called to ICICI customer care and verified, they confirmed that two transitions are happened both are successful transactions only. I surprised and asked to log a complaint for reversal of duplicate transaction’s amount Rs. 541/-. The complaint number is:[protected] dated[protected]. The ICICI Bank’s customer executive suggested me to fax a letter to Mumbai office with transaction details.

I called and verified with Hospital guys and they said, as per their daily statement (according to card swiping machine) it is only one transaction and received payment once.

I could not understand whose mistake is this. Whether ICICI Bank’s or Hospital's? Anyway the mistake was happened and I am in loss of my money.

Thanking you,
Niranjan Babu Revilla
[protected]@gmail.com

Dear sir/madam,

I am worked in ICICI Home Finace Company Ltd from 10-april-2007 to 05-Feb-2009. My last month salary (January 2009) paid by account payee cheque to be sent direct to Bank for credit to my S.B A/c, but it's not credited my Account. Kindly check and replay me ASAP.

Name :- Badari Narayana Kantipudi
Emp.Code :- 462197.
Salary Account No :[protected]
Email:- badari.[protected]@icicihfc.com

Thanks & Regards

Badari
[protected]
[protected]
Email: [protected]@yahoo.com

I have policy with ICICI prulife i am begging for my own money to refund .. i have one policy with them last 5 years. i wan to withdraw . the guy came at my place for with surrender forms . he took my signature and cheque.. after that he given me choice if i will for partial withdraw in tht way i can save money... i said fine if i can same 3% extra taxes.

he said sir u can take half policy now when it will get drawn to u re account.. then he will surrender the remaining amt in my account,.nw 77000 rs icici done fraud,,. they are holding that money and not ready to give me,, i complaint so many time but no answwer.


i wish this website will help me.....

Regards]
neeraj bahl
[protected]

I have taken two wheeler loan from your bank in 2006. I have paid all my installment but your bank had charge one extra installment from my SBI bank account on dated 17/02/2010 amount 2229/- when I enquiry about that issue your collection Department (Bhopal) tell me that collection agency (NSB agent name Achal Singh) has not deposit one installment in my loan account I have paid two installment in cash on dated 18/07/2007 amount 4458/- receipt no. L[protected]LAN no.LTBHP[protected]) but your agent from NSB Achal Singh has only deposit one installment in my loan account amt. 2229/- Due that you bank has charged one extra installment from my SBI bank account (a/c no:[protected]).

Hello Sir,

I was using the ICICI Bank Credit Card. I balance on the card was Rs45000. One of the exectutive from bank (Anil - [protected]) called me and asked me to go for a final settlement of Rs37000. I asked him if this would create any problem in CIBIL, for which he said this won't affect my credit history in anyway and my name would not appear in CIBIL. Now when I go apply for loans, they are getting rejected due to CIBIL and I hear the reason being ICICI credit card which was closed (final settlement).

Please Help....

Thanks,
Umesh
[protected]

I had initiated an e-Transfer transaction on 22-Jul-2010 for USD 2200. I have received an amount of INR 1,01,505.00 on 28-Jul-2010 with a conversion rate of 46.15.

I have verified from some of the standard FOREX web-sites that the conversion rate has not gone below 46.75 from 22-Jul-2010 to 28-Jul-2010.

I had called the customer care and they have told that the exchange rate at the time of the transfer is considered which should be between 22-Jul-2010 to 28-Jul-2010.

First of all, there is no transparency on which day’s exchange rate is being considered. Above this, a low exchange rate has been considered for this transaction which has never occurred between 22-Jul-2010 to 28-Jul-2010.

On[protected] also when I checked the ICICI exchange rate website while doing the transfer, it had shown 46.38 but at last when I got the money on[protected], I got only 46.17.

I have taken a two wheeler loan from ICICI Bank.Now my loan a/c already closed.Still now i have not
receive NOC from Bank.So i am suffering very problem for this.My loan a/c no-LTKHU[protected].
Kindly send my NOC in my coressponding address.My address given below......

RATNAKAR BARIK
AT-NIMABASANTA
PO-HARIRAJPUR
PURI,752050,VIA-JATNI

Plese consider for thih as soon as possible

Thanks
Ratnakar Barik
Bhubaneswar
[protected]

Hi,
This is Mahesh Suresh Marathe.
Fraud is happened with my salary saving account on 21st May 2010.
Below given are my Details.
================================================================================...⇄
Name - Mahesh Suresh Marathe.
Address - 304, Dhanlaxmi Complex, 208 Nana Peth, Pune. 411002
Mob. No - [protected]
Bank Details
Bank - ICICI Bank, Baner branch.
Account Number [protected].
Address - Shop No 2, Atria, Sai Prestige, Baner road, Pune. 411045
Account Type - Salary Saving Account.
================================================================================...⇄
Fraud Person Details – As per bank record
================================================================================...⇄
Account holder name – Anurag Shrivastava.
Account Number –[protected].
Bank Address - ICICI Bank, G3/4, Plot No 86, Dharam Jeeyan CHS, Sector 6, Koperkharane, Navi Mumbai
Mob No – [protected]
Fake Call Number – [protected] <- Using this number he called me on my cell and gave me wrong information about him
================================================================================...⇄
Someone hacked my userid and password and transferred my Rs. 19500 into another account.
One person gave a call on my cell number and told me that he is an employee of ICICI bank, and they are updating their database as a routine process. He told me that in few minutes you will get one message we need to test your details are they correct or not. He told me that he will call me in few minutes again. He called me again and asked about the urn number that I received by SMS.That person logged in with my userid and password and transferred all my money into another account.

The ICICI bank have there separate unit which are monitoring such transaction. That ICICI unit is called RCU unit (Risk Containment Unit) which is present in Mumbai.
Once that person transfer my money Rs 19500 RCU people immediately called me on my cell number and asked about this transaction. They are already monitoring that account in which my money is transferred, because using this account before also fraud has happened.
I said I have not done this transaction. They have immediately sealed that account in which my money is transfered.All my money is present in that account.

I asked to customer care shall I give a police complaint against this. At that time they told me we have separate investigation team which will investigate this. So you do not need to give police complaint.
They are worried about their reputation. But for safer side I made police complaint in police station address - Cyber Crime Cell, Police commissioner office, near pune station. They transfer my complaint to Somwar Peth Police station Pune which is near to my home. They have taken my statement and told me that they will transfer this complaint to Chatushrungi police station pune because my bank (branch – Baner) comes under this police station. I have not received any reply from Chatushrungi police station yet.

After few days ICICI person came to my home and verified my details like Identity proof, residential address proof etc. I have submitted all my proofs required for investigation.
Then he told me that Customer Care people will call you and they will update you the feedback. I wait for a long time for their reply. They have not replied me. After few more days investigation team called on my number and asked about details and at last told me that customer care people will get back to you.
I tried lots of time to contact ICICI Bank customer care but they gave me the silly answer like our server is down, second time I called and asked about status they told me investigation is going on and we will get back to you.
I wait again for few days but as usual no reply. So finally I wrote an e- mail to customer care on 28th Aug 2010 and asked about status of investigation. They called me on my cell on 31st Aug 2010 and told me that we cannot do anything for you. I told them I have not done this transaction and all my money is present in that account. Why you are not reverting back (transfer) my money to my account. Same reply we cannot do anything. They said that in such a case bank is not liable to compensate. Police assistance is required for further investigation. If you want to contact to police you can. Initially they were saying no need to go to police. Now they are saying we cannot do anything for you.

I am really frustrated with this response. I am waiting since last 3 months. I have already spent lot of time and money on this. All my money is present in that account, and then also they are not giving my money back.
Could anybody please help me out to get my money back?
Thanks in advance.
Mahesh Marathe
[protected]

Icici bank has wrongly updated my status for credit card [protected] as this card was not been delivered to be and I have reported the case to Icici bank they agrred to it and informed that card was stolen in mid way when it was couried and said that transaction was made for around Rs4000 on this card as it was stolen so I do not have to pay for it. But they updated the status WRITTEN OFF because of which there been a drop in my cibl score I have called customer care so many time I have the reference number with me stating the status is been taken off and it's been resolved but on 27th july I received my Cibl report and status is still the same and I been rejected loan and credit card from different bank because of bank mistake. I need resolution for same as it has caused so much inconvience and wrong commitmnts been made

SIR, i have invested in icici tax saving bond -022002-tsb-trree on 27.03.2002 . my bond holder no is[protected] ,my certificate no 190593 and the distinctive no is[protected] . till date iam not received any amount from the above bond to me. kindly persue the matter and send the matured amount a sum of rupees 4X 6660=Rs 26,640/- to the address furnished below.
ADDRESS:- C. CHOKKALINGAM
14 A, TEMPLE VIEW...

Dear sir

i had registered many times my mobile no to add payee but till now my mobile no is not registered,
every time their customer care executive tell that it will be activated in one day but from last month i am not getting result

I pawan shah,i am already settled my credit card dt.19 Nov.2008. card no. [protected].
but the icici is not updating system.so icici people is continuous calling me.

Date : May 21, 2010
To
ICICI HOME FINANCE COMPANY LIMITED.,
Raqmchandra Sabha Mandap Building,
Ghole Road, Pune
PUNE.411 004

SUB : Redumption of Fixed Deposit Ref Folio Nos 333HF0078739 & 333HF0078740.

Dear Sir / Madam

We have deposited a amount thru fixed deposit receipts bearing nos 333H0063731 C20 & 333H0063735 C20 on 30th September 2008 for the period of 20 Months.

At that time somebody Mr. Shinde working with ICICI Direct branch in Dahanukar colony has visited to my residence and asked me to deposit, and the same we have done. A point is to be noted is at the time of depositing the money I had given a cheque from my account and deposited in my daughter’s name Ms Ketaki Godbole and I myself stood Joint holder.

Now your company has send the forms of consent for receipt of payment of interest and maturity proceeds through RTGS / NEFT in the name of Ms Ketaki Godbole as she is the first holder.

We have herewith submitted the same forms duly filled and taken the authorized signs of bank manager on the same forms. While submitting the same forms to your above said office it was found that the earlier A/c nos are not matching as I have had given the cheque from my SB A/c.

Please take a note of this point and consider the case as it is. Ms Ketaki Godbole do not have cheque book facility.

If you feel please issue separate forms for receipt of payment of interest and maturity proceeds through RTGS / NEFT in my name and I shall get it sign from bank manager.

This is for your information and necessary action.

Thanks,




RAGHUNATH BHASKAR GODBOLE


Copies of fixed deposit receipts are in PDF format and hence cannot attached.

Dear Team,

Refer the said subject.
Despite of giving all details related to my credit card closure (2nd Feb. 2009) many time to your phone banking personnel I am getting the threatening call on behalf of ICICI Bank.

I have given my cell no to contact for further assistance, but still the calls have been made to my old house at Pune where my parents lives. My mother (age 60) & father (age 68) are being threatened from Bank representatives cliamed as Lawyer from High Court, Supreme Court.

I have attached the closure letter copy for your reference & other necessary formalities.

If still I or my family members receives a call from ICICI Bank or any other of your recovery agency I will file the FIR against your Bank.

Hope you understand the matter & act accordingly.


Regards,
Pravin Patil
[protected]

Note: I have attached SCAN copy of closing letter for reference

Bonder holder no. 600 1950 :: cheque no. 00047 dt. 11.03.2010 for Rs.21187.00 was received by local icici bank for revalidation on 22.03.2010, followed by reminders on 18.05.2010 and 12.07.2010. Nothing has happed so far. Cheque be returned alongwith suitable compensation

cheque was presented in time. there was enough balance in the account. yet the monthly statement shows cheque returned. penalty charges levied.

Unfair and bad customer practice by ICICI Bank

I have a “Gold” banking status with ICICI bank and had been a customer from 1997 onwards. The bank has proactively approached me to issue a Platinum Visa credit card based on my credit worthiness and net worth. I accepted the invitation and became a credit card user. Subsequently, the bank approached me to upgrade the card to Platinum Identity Credit Card (Please note I have not requested the bank to issue the card) and mentioned that I will be entitled to two additional cards “Priority Pass” and “Golf Fee Card” with no additional fees. I was told that “Priority Pass” will allow free access to domestic airport lounges and some international airport lounges.

I used Priority Pass card twice at Colombo Airport and New Delhi Airports. The lounge assistants have told me that there are no charges for using priority pass card and have swiped my card for zero value. However, several months later I received a statement with charges of Rs 1900/- for the lounge use. I contested this and refused to pay. I have also applied for cancellation of Identity Card which customer care team confirmed that card was cancelled.

However, I continued to receive statements with dues month after month such as Late Payment Fees and Interest Charges. Subsequently, collection agents started hounding me with calls and asking me to come for settlement in Delhi. When I explained my case and said that my outstanding amount is on account of wrong commitment, the collections agents refused to listen and said that I need to pay Rs 4500/-. When I said that outstanding was only Rs 1900/- and I am willing to pay Rs 1900/- in good faith, the agents refused to listen.

In absence of a proper resolution, the issue kept on dragging and the amount accumulated to Rs 9131/-. The collection agents told me that if I do not pay, my name will be published in the defaulters list. I also received letters from ICICI Bank that my name may be published to credit bureau as a defaulter. I had issued a cheque for Rs 2000/- to settle this in good faith on 21st Aug. This cheque has been collected by the bank. In addition, on 25th Aug, the bank debited my savings account with Rs 9131/-.

This entire incident shows how sub-optimally the ICICI Bank is organized. It raises following questions

1)When I am a gold customer of bank for the last 6 years, why should they threaten me that my name may be published to the credit bureau as a defaulter that too for an amount of Rs 1900/?
2)Why didn’t bank chose to auto debit the account for Rs 1900/- when it was not paid for 2-3 months? Why did they wait till the amount accumulated to Rs 9131/- and debited my account?
3)Is bank trying to enhance its revenue by false means? They have earned Rs 2000/- plus Rs 9131/- for an amount due of Rs 1900/-.
4)Don’t different ICICI divisions speak to another to protect interest of the customer?
5)In this period, I received caution letters from the bank and at the same time, someone called me twice saying that he is a personal phone banker and has been assigned to me exclusively. Look at the ridiculous customer experience. This shows the left arm doesn’t know what the right arm does.
6)Are accounts in ICICI bank safe when they are debiting the accounts without intimation? Later, they can present several other charges and will reiterate they have the right to debit the account.
7)When bank sent me caution letters, why didn’t it take an initiative to send a letter before debiting the account for Rs 9131/-?

I am also a platinum card user of Citibank and HDFC Bank for several years. I never faced issues with these banks. ICICI Bank can feel free to check my credit status with these banks.

I need an explanation and immediate resolution.

Name : Rajesh Dhuddu
Credit Card Number : [protected]

(FOUL PLAY} UNAUTHORIZED/TREATED INTERNET TRANSACTION DISPUTES/REFUNDS.

COPY TO:

Cyber Crime Investigation Cell is located at :

Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
D.N.Road,
Mumbai - 40001

Email: cybercell.[protected]@mahapolice.gov.in

Tel: +[protected]





[protected][protected]
BY ICICI BANK--
[protected]


Dear Mr. Bobade,

We acknowledge receipt of your e-mail of August 19, 2010 addressed to Head

Service Quality regarding your ICICI Bank Credit Card.

We reiterate that the 3 disputed transactions as confirmed from our records,

has been effected on your subject Card. We would like to clarify, that the

above transactions have undergone a 3D Secure Authentication, which is a

second level authentication specifically built in for online transactions

done through Merchant Websites. It may be noted, that apart from the Card

Verification Value (CVV) and Expiry date on your Credit Card, your personal 6

digit 3D Secure PIN was also required for effecting the said transactions.

The 3D Secure PIN is purely personal and privacy to the customer and would

not be known to anybody, unless compromised otherwise. The Card holder is

responsible for the security of his/her Card along with his/her personal 3D

Secure PIN and should therefore take all possible steps towards ensuring the

safe-keeping thereof. The Bank does not incur any financial liability arising

out of the misuse thereof by unauthorized persons.

We confirm, that the transactions were allowed as the system is CVV, Expiry

Date and 3D PIN specific and not person specific. We reiterate, that as the

transactions were qualified by information strictly personal to you, the Bank

is therefore precluded as per industry guidelines to repudiate the

transaction with the Merchant on the basis of your dispute.

We therefore regret to inform you, that the Bank will not be able to accede

to your claims with regard to the disputed transaction.

We request you to take up the issue with the merchant and if no resolution is

given, please take assistance of cyber crime police for further verification

and recovery of the disputed amount.

In view of the reasons cited above, we advise you to meet this explanation

with reason and acceptance.

We affirm that ICICI Bank at all times acts with diligence, in good faith,

and in no manner prejudicial to the interests of its customers.

We have attached the supporting documents for your reference.
The outstanding balance due on your ICICI Bank Credit Card 5176 xxxx xxxx

6003 is Rs. 38,346.46 as on August 20, 2010.

We request you to make the payment of the outstanding balance on your credit

card account to avoid levy of financial charges.

We hope you would meet the above explanation with understanding and

acceptance.

Sincerely,

Arunjyothi E
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

[protected][protected]

TO,

Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
D.N.Road,
Mumbai - 400001 .
DATE:07/08/2010.

SUBJECT: (FOUL PLAY} UNAUTHORIZED INTERNET TRANSACTION DISPUTES/REFUNDS. AT

YOUR DOOR FOR HELP,RESOLUTIONS AND REVOCATIONS (MODIFIED).[ LAUNCH OF FIR ].


[protected]

TO,
CBI MUMBAI,CID MUMBAI,RTI(INDIA).
DATE:21/04/2010.

DEAR SIR/MADAM,

SINCE THE ISSUE/DISPUTE IS HOT SUSPICIOUS AND HIGHLY DOUBT/DANGEROUS, IT IS

FORWARDED TO COMPETITIVE AUTHORITY FOR INSTANT INFORMATION,RECORD AND URGENT

DESIRED ACTION IN THIS REGARD FOR FURTHER SOLUTION.

THANKING YOU.
NICE TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.

COPY ATTACHED BELOW .




[protected]

NOTE: SET 4,ITEM NO 10 MODIFIED.



[protected]--
SET:1


TO,
ICICI BANK LTD,INDIA.
CUSTOMER CARE,
CARD CARE.
DATE- 28/JULY/2010.

SUBJECT: UNAUTHORIZED/THREATED INTERNET TRANSACTION DISPUTES/REFUNDS.

ENTRY REFLECTED ON 24 JULY 10:
20/04/2010 OXIGEN INFOVISION PVT, MUMBAI 5000.00
>20/04/2010 TRAVELBOUTIQUE ONLINE-, MUMBAI 8461.00
>20/04/2010 TRAVELBOUTIQUE ONLINE-, MUMBAI 16148.00



THIS IS FOR YOUR KIND INFORMATION, RECORDS.
THIS IS FORWARDED FOR SOLUTIONS/RESOLUTIONS AND REVOCATIONS.


YOURS FAITHFULLY,
RAMESH K BOBADE.



[protected]-----

TO,
ICICI BANK INDIA LTD,
ICICI CARD CARE,
MUMBAI.
ALL CONERNED.
DATE: 16/07/2010
20/07/201010
SUBJECT: AN APPEAL TO ICICI CARD CARE.
DEAR SIR/MADAM,
WITH REFERENCE TO SAID INTERNET TRANSACTION DISPUTES.
(1)ICICI CARD SYSTEM IS EASILY RETRIEVABLE AND MERCHANTS MIGHT USE CAMERA
ENVIRONMENT.
(2)AND HENCE THE DANGER FOR MISS-USE OF DATA IS HIGH.
(3)SO THE BEARER OH SERVICE ISSUER/SERVICE PROVIDER SHOULD ACT AS
BENEFICIARY FOR THE SAID SERVICE SOLD AND PAYMENT RECEIVED FOR.THIRD PART
DEALS AND THREATS SHOULD BE TAKEN ON IF BROUGHT FORWARD AS DISPUTES.
(4)SINCE THE INFORMATION COULD BE EASILY OBTAINED, ICICI CARD CARE SHOULD
PROVIDE BETTER SUPPORT IN CASE DISPUTE RAISED FOR MISS USE OF CARD.
ICICI CARD HOLDS BEST SERVICE CENTER, IT MUST ASSURE BEST SUPPORT IF IT

BRINGS
TO ITS HELP COUNTER DESK AS DISPUTES.
(5)CASE IS TOTALLY UNDER ICICI CARDS JURISDICTION
(6) THREAT ATTEMPTED ON 20 APRIL 2010 FOR THE SAID ISSUE IS REPORTED CARD

CARE
ON SAME DAY WITHIN FIVE-SIX HOURS.
(7)AND REFUND SLIPS SHOULD BE ORDERED FOR, INFORMED TO ICICI CARD CARE.
(8)SINCE IT IS CREDIT ISSUE AND SUPPORTS MY SAVINGS, IT IS HUMBLY REQUESTED

TO
RELEASE MY BLOCKED CREDIT LIMIT.
(9)AGAIN I HUMBLY REQUEST ICICI CARD CARE FOR SOLUTIONS AND REVOCATIONS.
(10)I ENSURE MY ALERTNESS IN FUTURE AND LEARNT POLICY ISSUES INCLUDING CARD
PROTECTION.
ALSO I REQUEST CARD CARE TO BRING SUCH ISSUE ON FRONT FOR BETTER
UNDERSTANDING OF ITS CUSTOMERS.
THANKING YOU/ NICE TO WRITE YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE.

[protected]-------
CHECKLIST:
(REPRESENTATION)
(1)
THREAT ATTEMPTED ON 20 APRIL 2010 BY MOBILE PHONE, THE DEFAULT SAID NUMBER
REPORTED TO CARE.
(2)
IN THE SAID CASE INVESTIGATION TEAM HAD TO VERIFY THE CONTENT.
THE DATA STOLEN PERSON COULD BE TRACED EASILY.THE NEXT JOB REMAIN FOR
WHOM SERVICE PURCHASED ACTUALLY AND DELIVERED FOR, BY MERCHANT.(SERVICES
DEMANDED FOR)
(3)ALSO I INFORMED/INSTRUCTED TO THE BANK FOR THE ARRANGEMENT OF STOP
PAYMENT OPERATIONS. OR AND IF THE REFUND SLIPS SHOULD BE ORDERED IF PAYMENT
PROCESSED.
(4)YOU REMAIN ONLY HELP AUTHORITY IF THE ENTIRE ISSUE IS DECLARED AS THREAT
ATTEMPT/DISPUTE ISSUES. YOU COULD BE ABLE TO FIX LIABILITY FOR PAYMENT IN THE
BENEFIT OF CARD MEMBER.


[protected]





TO,
ICICI BANK LTD,INDIA.
ICICI CREDIT CARDS,
CUSTOMER CARE.
MUMBAI-INDIA

DATE:
08/07/2010.


SUBJECT: YOUR LETTER DATED 5/07/10, SENT THROUGH BLUE DART COURIER RECEIVED

ON 07/07/10.AWB NO [protected], REF:[protected].

REFERENCE: QUERIED TRANSACTION PERTAINS TO CARD NO: [protected].


DEAR SIR /MADAM, (CUSTOMER CARE OFFICER)




--------
NAME OF MERCHANT: M/S PAYPAL *PEOPLE NTK
DATE: 20/04/10.
AMOUNT: RS 37.26

THE ABOVE TRANSACTION IS DECLARED AS DISPUTE./THE ABOVE TRANSACTION IS

STILL DISPUTED BY ME.


--------

THIS IS FOR YOUR KIND INFORMATION,RECORDS.
THIS IS FORWARDED FOR SOLUTIONS AND REVOCATIONS.

THANKING YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.


[protected][protected]--







SET:2
[protected][protected]--------
SUBJECT: THIRD PARTY NOT UNIDENTIFIED,ENTERED INTO MY PRIVACY AND SECURE AREA

OF CREDIT

CARD ACCOUNT,INQUIRED SENSITIVE DATA BEING SERVICE ISSUE CALL TO BE

CONFIRMING,AND

PURCHASED SERVICES ONLINE FOR DELIVERY FOR THEIR USE AT THEIR COUNTER.

[protected][protected][protected]

DATE:05/07/2010.
MONDAY- (SOMWAR).


DEAR SIR/MADAM,

THIS IS IN REFERENCE TO,

(1)ON 02/07/10 ,INTERIM CHARGE BACK DEBIT ENTRY RS 1657.51(DR)

(2)ICICI CREDIT CARD NO:[protected](BLOCKED)

----

ISSUE IS AGAIN BROUGHT TO "ICICI CREDIT CARDS" .

DECLARATION :
(a)SERVICES ARE NOT PURCHASED BY ME NOR THE DELIVERY FOUND TO ME FOR MY
PERSONAL OR FAMILY OR OFFICIAL USE.

(b)SO THE PAYMENT I CANNOT AFFORD FOR UN-NECESSARY USE.

(c)ALL REPORTING DONE TO ICICI BANK CUSTOMER CARE WITHIN 8-9 HOURS.
ON THE SAME DAY 20/04/10 AND CUSTOMER CARE ASKED FOR HELP.

(d)MERCHANT'S COUNTER ARE OUT OF MY REACH AND NON TRACEABLE SINCE LACK OF

ABILITY.

(e)SUSPICIOUS CALL DONE TO MY MOBILE PHONE WAS INSISTING SHE/HE WERE ICICI

OFFICER AND
CALL WAS SERVICE ISSUE CONFIRMING CARD DETAILS.
SHE/HE ASKED ME FOR THE SENSITIVE INFORMATION.
SERVICES PURCHASED BY SHE/HE,DELIVERED AT THEIR PREMISES, AND HENCE THEY ARE

LIABLE FOR
THE ENTIRE/WHOLE PAYMENT FOR THE DISPUTE RAISED.

(f)I AM NO WAY FAMILIAR TO THE PERSON WHO INQUIRED THIS ATTEMPT. AND IN GOOD

FAITH I
TALKED TO THE CALLER BEING SHE/HE WAS ICICI OFFICERS.



(g)THIS IS FOR YOUR KIND INFORMATION AND URGENT NECESSARY ACTION.

----

(I)I, RAMESH K BOBADE, HUMBLY REQUEST ICICI BANK TAKE NOTE OF REQUEST TO

RELEASE THE
BLOCKED CARD LIMIT.AND HOLD THEM RESPONSIBLE TO COMMIT CRIME SUCH TO ASK

,BEING DARED,

SENSITIVE INFORMATION BY INSISTING COMPETENT AUTHORITY TO DEAL.
THAT'S ALL.

(II)ADVISE ME FOR MY CO-OPERATION WITH OFFICERS,DEALING THIS ENTIRE ISSUE FOR
RESOLUTIONS AND REVOCATIONS ON FAIR-GOOD-USE POLICY NORMS. ALSO ADVISE ME TO

CONTACT HIGH
LEVEL OFFICERS WHO SOLVED SUCH TYPES OF DISPUTE CASES EARLIER.

(III)I WILL PURELY CO-OPERATE WITH YOU SINCE IT SUPPORTS MY SAVINGS AND

CREDIT ISSUE.
-----

THANKING YOU.


YOURS FAITHFULLY,
RAMESH K BOBADE




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


29APRIL2010.
DEAR SIR/MADAM,

AS PER YOUR INSTRUCTION SCANNED COPY OF DISPUTE FORM FORWARDED FOR FURTHER

SOLUTION.

YOURS FAITHFULLY,
RAMESH K BOBADE

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

On Tue, 27 Apr 2010 20:40:49 +0530 wrote
>
Dear Customer,
>
>We refer toour earlier e-mail of April 21, 2010 regarding your ICICI Bank

Credit Card

Account 5176 xxxx xxxx 6003.

We have attached the CardMember Dispute Form (CDF).

Sincerely,

D. Sri Lalitha
Office of Head Service Quality


CONFIDENTIALITY INFORMATION AND DISCLAIMER



"


[protected][protected]--------
SET:3

TO,
ICICI BANK LTD. MUMBAI,INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE,CUSTOMER RELATION MANAGER,
customer.[protected]@icicibank.com,[protected]@icicibank.com,headcustomer.[prote...⇄

ibank.com,
[protected]@icicibank.com.
COPY TO:[protected]@icicibank.com
DATE:24APRIL2010.


DEAR SIR/MADAM,

PLEASE SEE COPY ATTACHED PREVIOUS EMAIL.

(1) BY CREDIT CARD COMPANY FOLLOWING ENTRY REFLECTED,READ ON 24APRIL2010

1.06PM BY

EMAIL:
20/04/2010 5000 OXICASH-BILLDESK,
20/04/2010 8461 TRAVELBOUTIQUE ONLINE-
20/04/[protected] TRAVELBOUTIQUE ONLINE
20/04/2010 $1 PAYPAL ,
20/04/2010 1657.51 PAYPAL *PEOPLE NTK

(2)PLEASE BILL THE AMOUNT COMPULSORY FOR THE ABOVE ENTRY TO WHOM SERVICE

DELIVERED.
ALL THIS DUES SHOULD BE RECOVERED FROM THEIR ACCOUNT IDENTIFIED FOR DELIVERY,

AVAILABLE
BY MERCHANT,THEY MISS-USED MY CARD DATA
AND PURCHASED ABOVE SERVICES.

(3)ALL MERCHANT INVOLVED SHOULD BE NOTIFIED.

(4)MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.

THIS IS FOR YOUR KIND INFORMATION AND FURTHER NECESSARY/DESIRED ACTION.

NICE TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.






[protected][protected][protected][protected]
SET:4

TO,
ICICI BANK LTD. MUMBAI,INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE,CUSTOMER RELATION MANAGER,
customer.[protected]@icicibank.com,[protected]@icicibank.com,headcustomer.[prote...⇄

ibank.com.
COPY TO:[protected]@icicibank.com

DATE: 20/04/2010,(TUESDAY) 7.30PM ONWARDS.

SUBJECT: DISPUTE LETTER.

DEAR SIR/MADAM,

(1)CARD HOLDER NAME: RAMESH KASHINATH BOBADE.
(2)ICICI CREDIT CARD NO:[protected].(MASTER CARD)(HP LOGO)
ADD ON CARD: [protected].
(3)PLEASE BLOCK MY CARD.(YOU ARE ALREADY BLOCKED MY CR CARD)
(4)PLEASE RESTORE MY EXISTING RELATIONSHIP WITH BILL PAY WITH (i)MTNL GARUDA

AND
(ii)MAHADISCOM ELECTRICITY.
(5)SUSPICIOUS CALL ATTENDED/REPORTED BY 2.52PM 20TH APRIL2010 REGARDING

REGISTER FOR
3DSECURE. THIS FAULTY MOBILE PHONE NO WAS
O[protected].
(6)AND SAME WAS REPORTED TO ICICI CUSTOMER CARE BY 2.58PM. AND ASKED THEM TO

CHANGE
TPIN.
(7)CALL WAS RECEIVED AGAIN FROM O[protected] BY 3.08PM INQUIRING WHETHER I

RECEIVED SMS.
(7)SMS RECEIVED BY RM-ICICIBNK BY 2.44PM INFORMING ONE TIME PASSWORD.
(8)CALL WAS RECEIVED AGAIN FROM O[protected] BY 3.08PM INQUIRING WHETHER I

RECEIVED SMS.
AND ASKED TO CONFIRM FOR FURTHER PROCESS OF REQUEST.
(9)BY 7.36PM I TOLD THE CUSTOMER CARE EXECUTIVE REGARDING NON LOG IN TO 3D

SECURE, SO
THE EXECUTIVE TOLD SOME TRANSACTION WERE REPORTED .ASKED THEM TO BLOCK THE
CARD.EXECUTIVE ASKED TO WRITE DISPUTE LETTER.
(10)LAUNCH POLICE/COMPLIANT-COMPETITIVE AUTHORITY/AGENT COMPLAINT ON BEHALF

OF(i)ME,(ii)ICICI BANK,AND(iii)MERCHANT INVOLVED(iv)MASTERCARD.
(11)CALL REPORTED TO ICICI BANK IS AVAILABLE TO ITS RECORD.
(12)BY 3.18PM RM-ICICIBNK REPORTED SMS IF THIS WAS NOT REQUESTED BY YOU TO

CALL CUSTOMER
CARE FOR ASSISTANCE.
(13)TILL 7.30PM NO TRANSACTION REFLECTED ON INTERNET BANKING USER ID-LINKING

CREDIT
CARD.
(14)STOP PAYMENT,STOP DELIVERY,REPORT MERCHANT,ISSUE ARREST WARRANT FOR MISS

USE OF MY
CARD DADA.
(15) ICICI FAX NO RECEIVED[protected]
(16)MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.
(17)MY MOBILE PHONE WAS DISCONNECTED SINCE LOW BATTERY AND COLLECTING INFO TO

REPORT TO
EXECUTIVE.

(NOTE: PERSON TRIED CALL BY MOBILE PHONE NO:O[protected] WAS TALKING IN FAST

HINDI-ENGLISH NOT CLEAR VOICE.
SHE TOLD SHE WAS ICICI BANK OFFICER AND CALL WAS SERVICE ISSUE FOR CONFIRMING

CARD

DETAIL,SHE INSISTED LIMIT INCREASED BY AND
ADD ON CARD BLOCKED)

THIS IS FOR YOUR INFORMATION AND FURTHER NECESSARY ACTION AND RECORDS.

NICE TO WRITE YOU/THANKING YOU FOR HAVING ME OPPORTUNITY TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.
(ICICI BANK CUSTOMER)
MOBILE PHONE :[protected]. RESIDENCE:[protected]. ALTERNATE MOBILE

PHONE:







[protected][protected]--
COPY TO:
STATUS-SENT SEPARATELY.
--

[protected]@icicibank.com,
---
[protected]@mastercard.com, [protected]@mastercard.com,

[protected]@mastercardadvisors.com, [protected]@mastercard.com,

[protected]@mastercard.com, [protected]@mastercard.com,

[protected]@mastercard.com, [protected]@mastercard.com,

cybercell.[protected]@mahapolice.gov.in, [protected]@cbi.gov.in, [protected]@bol.net.in,

[protected]@rediffmail.com,[protected]@core.nic.in, [protected]@core.nic.in,

[protected]@del3.vsnl.net.in, [protected]@core.nic.in,
---
[protected]@myoxigen.com, [protected]@travelboutiqueonline.com,

[protected]@travelboutiqueonline.com


[protected]
TO,
(1)CARD CARE,
ICICI BANK LTD.
(2)OXYCASH- MERCHANT.
(3)TRAVEL BOUTIQUE ONLINE- MERCHANT.

DATE:22 AUGUST 2010 (SUNDAY).


DEAR SIR/MADAM,

PLEASE PROCESS REFUNDS AND SETTLEMENT.
I HAD NON RECEIPT OF DELIVERY.
SOMEBODY USED MY CARD ACCOUNT IN FRAUDULENT WAY (FOUL PLAY).
[PLEASE PROCESS RECOVERY OF PAYMENT FROM DEFAULT CLIENT TO WHOM ACTUALLY

SERVICE DELIVERED BY MERCHANT.]

PLEASE HELP.

YOURS SINCERELY,
RAMESH K.B.

---

SET:3

TO,
ICICI BANK LTD. MUMBAI,INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE,CUSTOMER RELATION MANAGER,
customer.[protected]@icicibank.com,[protected]@icicibank.com,headcustomer.[prote...⇄

ibank.com,
[protected]@icicibank.com.
COPY TO:[protected]@icicibank.com
DATE:24APRIL2010.


DEAR SIR/MADAM,

PLEASE SEE COPY ATTACHED PREVIOUS EMAIL.

(1) BY CREDIT CARD COMPANY FOLLOWING ENTRY REFLECTED,READ ON 24APRIL2010

1.06PM BY

EMAIL:
20/04/2010 5000 OXICASH-BILLDESK,
20/04/2010 8461 TRAVELBOUTIQUE ONLINE-
20/04/[protected] TRAVELBOUTIQUE ONLINE
20/04/2010 $1 PAYPAL ,
20/04/2010 1657.51 PAYPAL *PEOPLE NTK

IN DETAIL:
20/04/2010 $1 PAYPAL
20/04/2010 85326960110015362834739 PAYPAL *PEOPLE NTK 1,657.51
20/04/2010 75425310110650107800139 OXIGEN INFOVISION PVT 5,000.00
20/04/2010 75425310116690140900029 TRAVELBOUTIQUE ONLINE- 16,148.00
20/04/2010 75425310116690140900011 TRAVELBOUTIQUE ONLINE- 8,461.00


(2)PLEASE BILL THE AMOUNT COMPULSORY FOR THE ABOVE ENTRY TO WHOM SERVICE

DELIVERED.
ALL THIS DUES SHOULD BE RECOVERED FROM THEIR ACCOUNT IDENTIFIED FOR DELIVERY,

AVAILABLE
BY MERCHANT,THEY MISS-USED MY CARD DATA
AND PURCHASED ABOVE SERVICES.

(3)ALL MERCHANT INVOLVED SHOULD BE NOTIFIED.

(4)MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.

THIS IS FOR YOUR KIND INFORMATION AND FURTHER NECESSARY/DESIRED ACTION.

NICE TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.

----

On Fri, 20 Aug 2010 20:49:59 +0530 wrote
>
Dear Mr. Bobade,

We acknowledge receipt of your e-mail ofAugust 19, 2010 addressed toHead

Service Qualityregardingyour ICICI Bank Credit Card.

We reiterate that the 3 disputed transactions as confirmed from our records,

has been effected on your subject Card. We would like to clarify, that the

above transactions have undergone a 3D Secure Authentication, which is a

second level authentication specifically built in for online transactions

done through Merchant Websites. It may be noted, that apart from the Card

Verification Value (CVV)and Expiry date on your Credit Card, your personal 6

digit 3D Secure PIN was also required for effecting the said transactions.




The 3D Secure PIN is purely personal and privacy to the customer and would

not be known to anybody, unless compromised otherwise. The Card holder is

responsible for the security of his/her Card along with his/her personal 3D

Secure PIN and should therefore take all possible steps towards ensuring the

safe-keeping thereof. The Bank does not incur any financial liability arising

out of the misuse thereof by unauthorized persons.

We confirm, that the transactions were allowed as the system is CVV, Expiry

Date and 3D PIN specific and not person specific. We reiterate, that as the

transactions were qualified by information strictly personal to you, the Bank

is therefore precluded as per industry guidelines to repudiate the

transaction with the Merchant on the basis of your dispute.

We therefore regret to inform you, that the Bank will not be able to accede

to your claims with regard to the disputed transaction.

We request you to takeup the issue with the merchant and if noresolution is

given, pleasetake assistance of cyber crime policefor furtherverification and

recovery of the disputed amount.

In view of the reasons cited above, we advise you to meet this explanation

with reason and acceptance.

We affirm that ICICI Bank at all times acts with diligence, in good faith,

and in no manner prejudicial to the interests of its customers.


We have attached thesupporting documents for your reference.
The outstanding balance due on your ICICI Bank Credit Card5176 xxxx xxxx6003

is Rs. 38,346.46as onAugust 20, 2010.




We request you to make the payment of the outstanding balance on your credit

card accountto avoid levy offinancial charges.

We hope you would meet the above explanation with understanding and

acceptance.

Sincerely,

Arunjyothi E
Office ofHead Service Quality


CONFIDENTIALITY INFORMATION AND DISCLAIMER


"This e-mail message may contain confidential, proprietary or legally

privileged information. It should not be accessed by anyone who is not the

original intended recipient.

I was more or less a satisfied customer till date, but since last 10-12 days I am facing issues with ICICI bank, after moving to Singapore, I requested the bank to update my mobile number, but even after so many follow-up my number is not updated, my service request number is SR[protected], I have submitted the hardcopy of request long bank, even after writing to customer care so many time , I am not getting any response... kindly help.

------
some of the follow-up mails

Dear Sir,

I again registered the payee but did not get any SMS.

what I need to Do futher... Whom I need to contact

Kindly help

Regards
Harsh Goel


-----Reply Separator-------Dear Sir,

With regards to Service Reference number SR[protected], we confirm that your international mobile number has been prefixed with "00" i.e[protected] and re-registered for transaction and payee confirmation alerts.

We request you to try once adding a fresh payee and confirm.

Sincerely,

Srinivasan G
Account Manager
ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

"Please do not reply to any e-mail that asks you for your bank-account-related information / details. These are called phishing e-mails and are designed with intent to fraudulently capture your bank account and personal details for misuse etc."



On Mon, 23 Aug 2010 15:01:24 +0530 wrote
>Dear Sir,
>
>
>please find below the another sorry story with ICICI, I have applied for change in my phone number as I have been shifted to Singapore, but more then a week past, no one taking care of my request.
>
>here is mail communication
>
>
____
>

Dear Sir,
>
>Any update on this.
>
>Regards
>Harsh Goel
>
>On Sat, 21 Aug 2010 21:13:10 +0530 wrote
>>Dear Sir,
>>
>>This is for your kind information and necessary action , that my request to update my contact number is taking too long, I have submitted the hardcopy as well raised it through the ICICI bank service requestweeks before, but even after getting confirmation on mail ( ICICI portal) I am not able to confirm the payee as I am not getting any SMS on my phone,
>>
>>I need to transfer some money but I can't as I cannot confirm the payee.
>>
>>Could some one help me to get this done.
>>
>>Regards
>>Harsh Goel

>>
>>
>
>
>
>Dear Sir,

Any update on this, Five days already passed since i made first request. it is very difficult to continue with this type of response from bank.

Regards
>Harsh Goel

-----Reply Separator-------Dear Sir,

We have registered the request vide Service Reference number SR[protected] for your query regarding mobile number registered for alerts.

We will respond you within 2 working days.

Sincerely,

Srinivasan G
>Account Manager
>ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

"Please do not reply to any e-mail that asks you for your bank-account-related information / details. These are called phishing e-mails and are designed with intent to fraudulently capture your bank account and personal details for misuse etc."
>Dear Sir,


>Thanks for the confirmation, yesterday I have added one payee in my account (nick name - PINKI XXX ) , I waited for more than 10 hr but didnot recieve the SMS for confirmation,
>kindly help to check , I am not getting SMS to add Payee in my account.

Regards
>Harsh Goel


-----Reply Separator-------Dear Sir,

We confirm that your international mobile number has been updated for transaction and payee confirmation alerts.

Further, we confirm that your communication address has also been updated on August 17, 2010.

Sincerely,

Srinivasan G
>Account Manager
>ICICI Bank limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

"Please do not reply to any e-mail that asks you for your bank-account-related information / details. These are called phishing e-mails and are designed with intent to fraudulently capture your bank account and personal details for misuse etc."

Subject: Others

Branch Id : 0037 Account Id : XXXXXXXXXX
>Dear Sir/Madam,

Ref Service request : SR[protected]

please make note of the following

1. I need to change only the mobile number as I have been shifted to Singapore

2. I have already submitted ( printed hardcopy ) in the shalimar gargen branch ghaziabad, two days ago,

kindly advice how long it will take to update.

Warm regards
>Harsh Goel

sir,
rs13,000 from my icici bank sb a/c rs13,000 has been transfered to m/s vodophone by net banking without my knowledge on 19th april 2010 on a single day to vodofone.i have no connection with vodofone.kindly let me know on whose name the amount has been paid on 19th april 2010 so that i can complaint to police.icici bank has informed me orally they cannot do anything on this being net transfer.kindly help me
sethuraman