ICICI Bank — icici credit card fraud (complaint no-sr[protected], sr[protected]

Address:

713325

Icici credit card fraud

I got a call on 14/10/2017 from a person (Female) mobile no-[protected], stating they are calling from icici bank and she asked me if i received my credit card statement at present address or not. I said no. She immediately responded that i will be received the statement in a week at my present address. Then she verified my credit card 16 digit number and my address details and asked me to talk his senior. She transferred to call to his senior, he said i have credit limit of rs.60000 and he will increase my limit up to 1 lakh. For the above process he asked my present address details. He also confirmed me for the address updating and increase of my credit limit, rs.1.00 will be deducted from my credit card. I gave the permission and at the same time i got a message on my registered mobile no. From dm-icicb at 02:47pm, you have initiated a purchase transaction of inr 1.00 at paytm on your icici bank card xx5008 that needs an otp. The otp is 785697 and is valid for 15 mins. I told the otp to that person. After that i got a message from dm-icicb at 02:52pm tranx of inr 9, 999.00 using credit card 4xxx5008 is made at udio on 14-oct-2017. I could not realize how this was happened. I gave the otp for transaction of rs.1.00 but they deducted inr. 9, 999.00.

My question is 1) how that kind of fraud people is getting all the information? Another thing is in otp there is mentioned the amount of inr. 1.00, how they deducted inr. 9, 999.00?

After the transaction he transferred the call to that female person again. I asked to her that how they deducted the amount of rs. 9, 999.00. She told to me i can’t help you in this matter, any query you contact my manager ritesh (Mob no.-[protected]). Then i called to ritesh, i told the issue explaining the whole thing. He asked my present address and told one voucher of rs. 9999.00 will be sent to your present address through dtdc courier within 7 to 10 days. I told to him please refund my hard earned money of rs. 9, 999.00 otherwise i will be complained at police station.
Then he told if i complained at police station no courier will be sent to your address. Whatever you may do as your wish then he cut the call.
Then i called to icici bank phone banking customer care for blocking of my credit card. They took the complaint, blocked my credit card and raised the complaint of ticket no-sr[protected]. The phone banking officer informed me that the merchant has not claimed the money till the time of making complaint and they will try to block the money and reverse the transaction. They also assured me that i should not worry about the transaction as they will take care of the same. They said i will be notified about the investigation via a sms and email within 9 days.
Then i went to cyber crime police station, asansol and lodge a complained for the above issue. The complaint no. Is 253.

On 17/10/2017, around 04:06 pm, i got a message from dm-icicib that sr[protected]:dear customer merchant has claimed the transaction of inr 9, 999.00 on your credit card xx5008. Hence a new request sr[protected] has been created. Then i called to icici customer care phone banking executive and informed about the message. He told that he will be look after this matter and he will be informed me as quickly as possible.

On 18/10/2017, around 11:12am, i got a message from bp-icicib that sr[protected]:dear customer, dispute on credit card xx5008 for 1 trxns of inr 9, 999.00 is released in banks favour as trxnx were 2nd level authenticated with 3d secure pin. Then i called to icici customer care phone banking service executive and explained the whole thing. Then customer care executive checked all the past records and email which was communicated by me. After checking he told me inr. 9, 999.00 was deducted from my credit card account due to merchant claimed that money. This is really very shocking and painful to me.

Then i asked to icici customer care executive, how they released that amount of rs. 9, 999.00 after i raised the complaint and gave email on 14/10/2017 and 15/10/2017 respectively. He told that he could not help me in any way and informed me to lodge a complaint against this transaction.
My question is how bank released the inr 9, 999.00, after getting my complaint and email from my side on 14/10/17. (Attached customer dispute form of icici)
Till now i have got no resolution. I have always been a loyal customer to icici bank services as i always liked their ease o[censored]se. Icici is doing nothing to reverse my money.

This sequence of events now raises serious doubts whether the bank is really doing any investigation or not and not at all interested in resolving the issue and just released the amount.

These also concern me on the banking ethics and polices followed by the bank in dealing with the disputed amount.

Hoping to have a resolution on this issue soon.

Regards,
Soumya ranjan biswal
Card type-visa platinum (Hpcl coral card)
16 digit number-4375 xxxx xxxx 5008
Mob-[protected]