[Resolved]  ICICI Bank — Fraud committed by changing name and amount on across icici bank cheque

Address:

Thrissur, Kerala, 680733

Head service quality
Oct 5

To me
Dear sir,

We refer to our earlier e-mail of september 27, 2016 regarding your savings bank account xxxxxxxx9196.

At the outset, we sincerely regret the inconvenience caused to you.

We are in process of investigation and co-ordinating with karnataka bank.

We would require some more time to address your concerns.

Please be assured that your concern is being attended to on priority and will write to you with the status at the earliest.

You may also contact the undersigned at[protected] for any clarification/assistance.

We look forward to your co-operation in the interim.

Sincerely,

Vamsi priya
Office of head service quality

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

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. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the emails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank."

— original message —
From: joseph stephen ([protected]@gmail.com)
Date: thursday, september 22, 2016 09:13 pm
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: re: 'icicicare=[protected]'


Your comments noted. I can wait till 27th sept, it will two months since the incident. I have not seen the copy of scanned cheque. Please can you arrange to send the same.

Rgds

Joseph stephen parapillil

On thu, sep 22, 2016 at 4:55 pm, head service quality wrote:
Dear sir,

We refer to our earlier e-mail of september 19, 2016 regarding your savings bank account xxxxxxxx9196.

At the outset, we sincerely regret the inconvenience caused to you.

We would like to assure you that your e-mail has accorded the seriousness that it deserves and we are working on your complaint. We will revert to you with the details by 21:00 hrs on september 27, 2016.

You may also contact the undersigned at[protected] for any clarification/assistance.

We look forward to your co-operation in the interim.

Sincerely,

Vamsi priya
Office of head service quality

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

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. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the emails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank."

From: joseph stephen [mailto:[protected]@gmail.com]
Sent: 06 september 2016 22:09
To: [protected]@rbi.org.in; [protected]@rbi.org.in
Cc: [protected]@specialoilfield.com; joseph stephen; head private banking /pcg/ibank/l-parel; ramanathan iyer /rclg/ibank/kochi; vikas sharma /wealth/isec/muscat; ajay cp /rclg/ibank/thsr; rachana chandran /rclg/ibank/thsr
Subject: fwd: cheque fraud

For the kind attn of smt. Uma sankar,

This is to bring to your attention that my complain with icici bank as per the emails below has not been resolved nor have been give a feedback. I have lost a large amount of money rs95, 000/ details of the fraud are breifly enumerated below-:

1) cheque details - crossed cheque809445 dated 20/6/2016 was in favor of charity organization st antony's shrine chetikad, kunjithai p. O north parur ernakulam for inr 25, 000. This was send by ordinay post from oman
2) the cheque has been cashed by one santosh survana shetty and amount withdrawn is inr 95000 on 27/7. I had send a message immediatly as soon i received the message of withdrawal on my gsm. I have been following up with the bank eversince but with no result. Please see the trailing emails.

I would appreciate if you could help me to get back my money rs 95000/ also investigate how a crossed cheque can be encashed in another name. This has shaken my faith in this bank. Till date i have not received any explation or feedback other than "we will get back to you"

I request you to kindly investigate to bring the culprit to justice and see if in anyway such fraud can be eliminated and request the bank to reimburse my lost money at the earliest

Thanking you

Joseph stephen parapillil


— forwarded message —
From: rachana
Date: fri, aug 26, 2016 at 5:12 pm
Subject: re: cheque fraud
To: joseph stephen
Cc: [protected]@icicibank.com, ram, vikas sharma /wealth/isec/muscat, ajay cp /rclg/ibank/tirur

Dear stephen sir,

As discussed

We will update you status soon

Regards
Rachana

On 8/26/2016 2:13 pm, joseph stephen wrote:
Dear rahul vohra (Head of private banking)/ram (Manager)/ rachna

Please note we are still waiting for a feedbackon your findings and action being taken. Also when can i get my money back??

You still have not arranged for a scanned copy of the cheque. On 27th aug we will complete one month from the date of the incident.

Rgds

Joseph stephen

On wed, aug 24, 2016 at 10:39 am, rachana wrote:
Dear stephen sir,

As discussed over phone

Regards
Rachana

On 8/24/2016 1:00 am, joseph stephen wrote:
Dear all,

I had a call on monday the from someone icici trichur office informing me that a cheque in favor of snehalayam had been presented for rs 16800. I informed the person that i had received a sms message already confirming that the cheque 809448 for rs 25000 in favor of snehallayam had been cashed on 20th aug.
This cheque presented for rs16800 is a fraud, i have relooked at all the cheques and find we have not issued any such cheque. Please ensure this cheque is not cashed.

I am disappointed that such important matter was comunicated to me by phone and not by email or sms. Please look into the matter and advise me. I am very concerned at the rate of progress and lack of information flow.

When will the bank reimburse the money i have lost.. I have not yet received a scanned copy of the cheque 809445 with the forged ammount and name.

Rgds

Joseph stephen

On wed, aug 10, 2016 at 10:03 pm, joseph stephen wrote:
Dear all,

Till date i have not received any acknowlegement of my complain by email. No response in writing, i am quite surprised by the lack of response
Rachana called me today and asked me to send the followeing information

1) cheque details - crossed cheque809445 dated 20/6/2016 was in favor of charity organization st antony's shrine chetikad, kunjithai p. O north parur ernakulam for inr 25, 000. This was send by ordianry post from oman
2) the cheque has been cashed by one santosh survana shetty and amount withdrawn is inr 95000 on 27/7.

3) i find another cheque 809448 for inr 25, 000 in favor snehalayam, snehagiri missionary sisiters, karoor, palai, kottayam dist, pin 686590 kerala posted on the same day (20/06/2016) by ordinary post has not yet been cashed. I am trying to find out if this cheque reached the address. Please keep a close watch on this cheque in case in has been taken and they try to encash by fraud.
4) please send me scanned copy of the cheque. Rachana indicated that your investigation team has found no signs of tampering. This is just impossible the only way they could have earsed the original payee would have to be by earasing or removing the ink by using some solvent.in both cases there would be tell tale marks.

Please acknowledge in next two days otherwise i have no other alternative but escallate it within icici and other redress channels.

Rgds

Stephen

On thu, aug 4, 2016 at 3:49 pm, joseph stephen wrote:
Please note i was told by rachana that i would be contacted by icici fraud investigation team on tuesday2nd aug. Till date no one has contacted me. Can you please revert with an update and your initial report on how this happened and action being taken to recovery the funds.

Your early action would be appreciated

Rgds

Stephen

On thu, jul 28, 2016 at 3:28 pm, joseph stephen wrote:
Dear rahul vohra,


Please see the trailing email in which i had send yesterday to ms rachna a complain of fraud. I yet have not received update of action being taken by icici. Could you please intervene and look into the matter.

Rgds

Joseph stephen fid 1240

— forwarded message —
From: joseph stephen
Date: thu, jul 28, 2016 at 12:10 pm
Subject: re: cheque fraud
To: rachana, ram, vikas sharma /wealth/isec/muscat
Cc: "[protected]@specialoilfield.com"

Attached statement

On thu, jul 28, 2016 at 12:08 pm, joseph stephen wrote:
Dear rachna/,

As per sms and then telecon yesterday. Please find my statement fort my account[protected]. My crossed cheque809445 was in favor of charity organization st antony's shrine chetikad for inr 25, 000. The cheque has been cashed by one santosh survana shetty and amount withdrawn is inr 95000 on 27/7. I am waiting for your reply.

Vikas-please follw up on by behalf.

Rgds

Tephen