[Resolved]  ICICI Bank — fraudulent transaction in my credit card

Address:Chennai, Tamil Nadu

I have been to europe for my official meeting during june 2019, i landed at france charles de gaulle airport on 14-jun-19, after completing the immigration and near terminal 2e, when i was trying to get tickets for metro to get in to paris, someone pickpocket my handbag, which had my passport, official credit card (Citi commericial), personal credit card (Hdfc / sbi / icici), personal debit card (Icici / indian bank) and currencies in euro and inr.in addition to my driving license / pan card / aadhaar card / voter id.

Did filed a complaint at france airport police authority and receive fir copy of the incident, also, informed embassy of india at france and the netherlands immediately after the incident and did receive emergency passport from the hague to travel back to india.

Did block all my cards, unfortunately, the pick pocket used all my cards except citi commercial. Would like to highlight, citi commercial has 6 digit pin, whereas the other bank cards (Hdfc / icici / sbi / indian bank) has only 4 digit pin. I do not know, how he could use all my cards without atm pin. All my cards are chip card indeed.

All transactions were made at same place called foot lockers sevran fr, when i asked france police to call the shop, where it's being used, they said, it may be hand held device not physical shop.

Made written complaint to individual bank, the banks are not positive to declare that as fraud transaction and asking me to pay my credit card due.

Am in receipt of attached letter "lien marked on my icici saving account”

The letter was dated 21-nov-2019 and i received it only yesterday 02-dec-2019 and it says the cut-off date to effect the payment is 10 days.

I went and submitted all my original documents at chennai icici ambattur collection centre on 30-nov-19, during that time also, i was not aware i have been provided with this notice. Now, rs.9, 530/- has been deducted from my account, without taking my concurrence.

This looks very ridiculous, i sent various request and provided all justification from my end to prove that the transaction made in my credit card is fraudulent, in spite of it am in receipt of continuous phone calls and continuous visit by collection team to my home. Icici is not the only one card i lost. I lost 4 different card including my icici debit card.

Many times, requested icici to put these transaction on hold temporary credit, which icici did not follow and now, ready to take amount from my saving account quoting some t&c. Which is not at all acceptable from my end.

Out of 75, 137.51/- outstanding, there are only two transaction for 30, 559.44/- and 28, 173.65/-, which i already claiming it as fraudulent transaction rest and rest are interest charges for those fraudulent transaction.

I sent mail many times to head service quality, head customer care, head credit card, no one read my mail or understand my case. Keep sending reminder / phone call / person for collection of money.

I request, someone to pay some attention to my case and help me close this one.

Am really tired sending my reply and providing my justification.
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Feb 28, 2020
Complaint marked as Resolved 
ICICI Bank customer support has been notified about the posted complaint.
Verified Support
Jan 27, 2020
ICICI Bank Customer Care's response
Dear Perunthava Selvi,

We regret the inconvenience caused. We request you to email us your concern with your contact details on [protected]@icicibank.com. Please mention the UID (a074n7) in the subject line of your email. Our official will assist you.

Regards,
ICICI Bank Customer Service Team
Complaint comments 

Comments

How it's going to help the individual providing standard T&C of ICICI. An incident has happened, it's not due to carelessness for sure. Banker has to provide feasible option during situation like this. Sending T&C and stating liability lies with Card Holder will not solve any purpose. Surely, there will be some way to help the consumer during eventualities.

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