[Resolved]  ICICI Bank — Online fraud transaction using my credit card

Address:

New Delhi, Delhi

Dear Sir, I want to bring to your notice that I receive a call from this no. +91-[protected] . They told me that he is working with ICICI bank credit card department working at 2nd Floor; Block-a/75; Sec-65; Noida. His name is Rahul Mehta /Neeta Singh having employee code 242849/246289 and inform me that some refund have come on my x- credit card xxxx-xxxx-xxxx-9004 which need to refund to my existing credit card & need verification on my existing card. I share credit card details understand that they are ICICI bank executive after getting the following information of that person (for e.g. Name, address of bank & employee code). I was shocked to see sms on my mobile no-[protected] on 05th Jan. 2015 that multiple transaction of INR 40, 868.00 on card no-4477xxxx1011 is made at online shopping & bill payment. Following transaction details in Credit card statement Card Number :447747******1011 - SANTOSH KUMAR Date Ref. Number Transaction Details Transaction Amount 05/01/2015 74568225005270582801276 AIRTEL PAYMENT 5, 070.00 Dr. 05/01/2015 74332745006500537823293 AMAZONS SVCS 17, 899.00 Dr. 05/01/2015 74332745006500535356569 AMAZONS SVCS 17, 899.00 Dr. I requested ICICI bank credit card dept. Through SR[protected] not to make any payment to this transaction, because the transaction was carried out without my authorization/consent. It is clearly fraud on my credit card. I never use this merchant to make any payment. Next day, they replied me saying that the card holder is responsible for the security of his/her card along with his / her personal 3 D secure pin and should therefore take all the possible steps ensuring its safe keeping. The bank does not incur any financial liability arising out of misuse of 3 D secure pin. As the transaction was qualified by information known only to you, the bank is not in a position to repudiate the transaction with the merchant on the basis of your dispute. We, therefore, regret to inform you that the bank will not be able to accede to your claims with regard to the disputed transaction. Now what to do? I am worried because bank also doesn't help me in this matter. I have also register an FIR to Local police station but I understand they will take own time for investigation. Hence I request for a through re-investigation of charge dispute form for all the transactions. I also want the Bank to provide me some Sensible & authentic Proof of the transaction being done from my Computer { IP Address } before accounting me liable for the Debit. I regard such accusations highly unprofessional & unethical from ICICI BANK. Hence I request you to find the real Culprit and not blame me for the Online Fraud, which I am a target of. My number is 91 [protected] waiting for your immediate action as I wish you of not having transaction with any fraud. Thanking You,