| Address: New Delhi, Delhi, 110076 |
Respected sir/ma'am,
I am deepak kumar currently residing at sarita vihar new delhi. I have icici bank account in l-12, kalkaji, new delhi-110019.
On saturday morning 22/july/2017 i received a mail from icici bank stating that,
A purchased of inr 14, 200/- has been made using my debit card details linked to icici bank account on 24thjuly 2017. Info: vn/m/s qwikcil/[protected]/1. This unauthorized transaction happened to my icici debit card no. At night 2:37 am.
After that, i instantly called the icici bank customer care and they have blocked my debit card and net-banking as well and suggest me to visit my icici bank branch in 24/july/2017 as 22nd n 23rd (Sunday) is bank holiday and i also asked why transaction showing 24th july 2017 on alert purchase e-mail they said today is holiday that why it's showing next bank working day i. E. 24th july 2017.
Immediately after knowing all these details i launched a complaint with phone banking on same day i. E. 22/july/2017 and i had received a transaction dispute complaint (Ref no - sr[protected] and also send all the required documents to their mail id [protected]@icicibank.com after that icici bank dispute department acknowledge the receipt of my email and assure to resolve my problem asap within 7 working days.
After that, i physically submitted all required documents to my icici l12 kalkaji -110019 branch with all the required documents (Fir, dispute form, id proof) and fir also had launched to sarita vihar police station (Dd no. 26b).
On 28th july 2017, i get a message from icici bank stated that your dispute has been declined as the transaction was authenticated with a 3d secure pin. So they can't do anything about this.
Sir, /ma'am my concern is they even don't tell me how the transaction happened, who did this transaction, who's the merchant, details related transaction etc. And they just closed my complaint through the message. Tell me what i will do if this fraud again happens to me tomorrow, icici bank will again say that we can't do anything the transaction happens through 3- d secure and even i don't know what my 3-d secure pin is. So, how is possible someone other used it? And my account statement clearly stated that the fraud happen thriugh net banking even i was not able login my net bank at that time so how is possible that i shared my debit car details.
I also requested to icici bank tell me the detail of merchant or retailer (Name, address, phone no.) so i will request him personally to the merchant that this fraud happens to me, please revert back my money and provide details of the fraud person who done this unauthorized transaction but the phone banking officer said we don’t have more information so e-mail to customer. [protected]@icicibank.com. They will provide you all the details and then i emailed him they replied through a mail contact cyber cell of delhi police.
Icici bank is not giving me any details. I request you investigate more into this matter and provide details of merchant it's my right to know how the transaction happened to my account, who’s the merchant and what is the fraud person purchase n all.
I am not agreeing with the icici bank investigation and also icici bank didn’t disclose the identity of merchant and its detail.
I assure you i didn’t make any transaction at that time and even didn’t share any my debit card details to anyone. The debit card was me all the times. The transaction was happened at night 2:37 am and in the morning i just received an e-mail to e-mail id. I haven’t received any otp and transaction alert to my registered phone no. With the bank while the transaction has happened.
I am using this icici debit card from last more than 6 years. So, i requested you, sir/ma'am, please investigate the fraud and unauthorized transaction by icici bank. I shall be obliged if you kindly take action and i really need that amount and i had just left inr 48.38/- after that fraud deduction from my account. Please help me to refund my deducted amount from my icici bank and i also want to know the details of the transaction that who done this fraud to my account. I have full faith in you and heartily request you please help me regarding this matter. I have emailed all the icici bank officials but no response from their side. You are the only hope that i left.
Please resolve my issue asap or else i don't have any option left to go to banking ombudsman and consumers court and file complaint against icici bank and also want to close my account from icici bank and never ever again want to open any account with your icici bank.
I hereby attached all the copy of documents that required as a proof and also e - mail conversation copy that i had icici bank care and officials.
Hoping for an early redress to my complaint.
Thank you.
Thanks & regards, city: new delhi
Deepak kumar
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