ICICI Bank — wrongful/fraudulent credit card issued affecting cibil report

Address:

Ground Floor, Zenith House, Keshavrao Khadye Marg, Mahalaxmi, Mumbai., Mumbai City, Maharashtra, 400034

In June 2019. I applied for a loan and found out that my CIBIL Score was very low. When I checked the report, this was due to a Rs. 2900/- outstanding credit card amoun t allegedly issued by ICICI Bank.

I approached the ICICI Bank customer service via phone and informed them that till date :

- No credit card had been issued to me by ICICI Bank
- I have till not date received any communication from ICICI bank regarding any outstanding credit card bills on my registered mobile number or email -id
- There is an urgency as my educational loan is pending due to a wrongful outstanding amount appearing in the CIBIL report

ICIC Bank asked me to send them CIBIL report, my account details on email which I promptly did on the same day.

For three days I received no response to my email. I called ICICI by phone again when the consumer representative was extremely rude and tried to convince me that I had actually taken a credit card as all my details were matching. When I said this could be fraud and that the bank had to prove that I had applied for one, the agent told me I could be lying. I told him that I have no communication regarding this card - no biils, no statements and infact, no card, the agent refused to understand this.

I wrote an email mentioning the above to the ICICI Bank customer care email id. Three days later they have once again asked for my CIBIL report which has already been sent to them. When I tried to escalate this matter to senior management, via ICICI's internet portal, it would not accept my application/reference number saying the same is not related to my account.

I am suffering due to this extremely unprofessional behaviour on part of ICICI Bank. I have time and again informed them that my education loan application is an urgent matter which is pending due to no fault of mine. There has been a grave deficiency on part of ICICI bank in handling this matter, despite several follow ups on my part.

It appears that ICICI bank is either completely careless with personal information of its consumers so that others can obtain fraudulent credit cards with such consumers' information or that they wish to harass people for petty amounts of INR 2900 so that tired of the shoddy consumer service, one would pay up.