ICICI Bank — Icici credit card fraudulent

Address:

Ahmedabad, Gujarat

Hello bank,

I have received my icici credit card on 7th june 2017. But along with card i haven't received any pin number. When i read the welcome kit, it was mention that i will receive it on my register mobile number or email address. So i waited for few days, into the delima thinking that i will receive an email from icici or sms with the pin number.

Now today morning (14 june 2017), i got a call from this below given number mentioning that they are calling from icici credit card department mumbai, and this call is regarding your credit card verification, so they can issue me the pin number.

Number : [protected]
Name : riya khanna
Name : prem singh

A lady name riya khanna called me from this number saying that this is a verification call from icici credit card department mumbai, so they can activate my card and pin number can be issued on your register email address and mobile number. I was having some doubt and so i refuse to share any further information with her, but then they mention me my credit card first 8 digits, claiming that i have this information since i am calling from bank, if i would have been a fraud, i won't have this details.

With her statement, i thought she must be genuine caller and start discussing with her further. Then she said that i am initiating one zero amount transaction, for which you will have to share with me the otp. Once i have insert that number into our system, your card will get activated. But again i had a doubt and i didn't shared any otp. After that she transfer the call to her senior who further communicated with me.

Now on call with mr. Prem singh, and he said that i am icici verification department head, and we have called you to verify your credit card. He explain me that, my card is yet not activated, and to activate the same, we will need few information from you, using which we can generate pin number for you.

After that i received one sms, and he said that i have initiated one zero transaction, i will need otp details to activate your card. I shared with him the otp and then he said that your pin is generated and it will be sent on your register email id and mobile number. Then he said that 4, 785 points are added into your account which you can further redeem for any future transaction.

Thenafter i again receive few messages with otp and he requested for details from me, but this time i had a doubt and i mention that i am not comfortable sharing this information over a call. If you need this details, send me an email, and i will be happy to provide that information. But the guy keep on insisting and claiming that he is calling from icici bank and this is the regular verification call. But then i ask him, i don't want to share any further information, if required, i will go to bank first and confirm about this procedure. If they say, i can share this information, i will give you a call and will share with you a all the details. After this, we ended up the call.

Then, i went to icici bank and share with them all these details and they said that it was a fraud call and ask me to register a complain on toll free number. I called on toll free number and register a complain about fraudalent and my complain id is as below. They also mention me that one transaction of "inr 4, 785.00 at vodafone-billdesk (June 14, 2017; 11:17:51 hrs.)" has already been initiated and processed successfully. They registered my complaint and have blocked my card immediately to prevent further missue. Dispute id is as below

Dispute request : sr[protected]

Today on 15 june, i received feedback from icici bank claiming that we are not liable for the fraudulent that has happen, since i shared this information with them.

I completely understand icici bank point and yes some mistakes where done from my end. But the only reason i shared this information, because they made me believe that they are actually calling from icici head office.

I know, i am responsible for some few mistakes, but at the same time, i believe bank is also liable for this fraudulent. I need bank justification on below points, after which i can accept your given verdict.

1. How do they came to know that i have received a new credit card?
2. How do they find my register mobile number? Coz this information i have only shared with icici bank and no other.
3. The lady on the call shared with me my card first 8 digits and told that since i am calling from icici bank, i have these information will me available in my system. So from where do they got my card first 8 digits? Cozz it was issued by icici bank.
4. Also when they called me, they said that this is a credit card verification call to activate your card and generate a pin. My point is, how do they came to know that i have received a card 1 week back and i haven't yet activated that card and have not yet generated any pin for it?

My concerns are, these all informations are very much confidentials, and are between just icici bank and me. So how do the third party have so precise information about all my personal information.in this case, i hold icici bank responsible, for not preventing this all information of mine.

Provide me with your justification on these above points, if i am satified with your answers, i would be happy to accept your verdict. Else i don't mind reaching out to the head authorities to fighting against the trap which i believe is weaven by icici bank and credit card fraudster.


Kindly looks into this matter immediately and help me in recovering this false transaction.

Regards,
Jay