Dear sir,
As against my last month stmt. of card no.5177194186062003 I put Rs.8650/- for the total amt.due. But the bank has deducted Rs.440/- as the min.amt.due on the due date from my account by making use of auto debit facility.This month let me allow to remit only the balance amt.after deducting the excess charged Rs.440/- ie, Rs.2351[ total due Rs.2791- excess charge Rs.440/-]
Please do the needful...
Earlier also the same mistake commited.

Thanking you,

C.V.Srikumar
Mob.no.9847905332
ICICI Cr.card. no.5177194186062003.

Please cancelle my cred card no. 5176 5370 9896 6003

I lost my credit card on 20th September 2007 and three fraudulent transactions amounting to INR 11421/- took place. I informed the bank that I do not stand liable as the credit card had my photo on it, the transaction slips did not have my signatures, and it is primarily the liability of the merchant, or at best the bank, as they fail to ensure that the photo is validated. I raised the dispute putting forwards these issues and expected a coherent answer from the bank for the same.

I initiated the formalities at my end by lodging a police complaint, faxing across the police complaint, and a dispute letter to ICICI Bank (complaint no. SR38649484). The handling of the procedure right from the start was at best pathetic on the part of the bank as it took me several efforts to get precise information about the logistics of the formalities from the ICICI customer care and to put across the complaint letter across ICICI. Eventually ICICI's investigating officer (Mr. Govind Singh) also collected the copy of the documents from my residence. Later, he also asked me to fill up a form and post it across Mumbai, which I did.

The bank eventually resolved the dispute in the bank's favor and asked me to pay up the fraudulent amount without any regards to the issues I had raised in the dispute, as specified above. My repeated attempts to request ICICI Customer Care (through ICICI netbanking account) to hear my plea, as they did not responded to the issues I raised, turned futile. As advised further by the ICICI Customer Care, I even sent across a hard copy to raise a dispute to get my concerns appropriately addressed. I did not get the response and only after repeated emails, I started receiving insensitive replies that I need to pay up. Moreover each time there was a new official corresponding who never took the pains to go through the
entire communication and just replied that I need to pay up. I repetitively insisted that if they had any queries then they should call me up and I'll be happy to address any issues, but it was of no use. After this they (ICICI Customer Care) emailed across their investigation report. I was outraged and horrified on going through their investigation report. The report comprised of consistent lies that the investigating team tried to contact me on phone and I did not responded well. The only time they called me up was when they asked me about the number and the value of fraudulent transactions made while I
was in a meeting at office. In reply I requested them to please check out the communication and the dispute I'd raised and then get back to me.

Moreover, the team asked questions and answered them themselves. For example, the report raised a question as to why did I delayed registering the complaint although I received the SMS on my mobile around 30 min before. In conclusion, they seem to doubt my intentions without even asking the question to me. (In fact, the real reason was that I was driving towards home (Delhi) from office (Gurgaon) and I saw the SMS on reaching home). They also indicated that my relative may be involved and that the photo was not clear.

It turns out that the ICICI investigation team is involved in a cover- up process by generating a farce report. The report is totally absurd without any proofs and any coherent process being followed. Moreover the whole process at ICICI is insensitive, clueless, and irresponsible in its approach.

I intend to only pay for the amount liable to me and not for the fraudulent transactions. Moreover, I am hassled, stressed, and outraged by ICICI's approach towards their customers. I now intend to take-up this issue to ensure that this does not get repeated with any one else and the bank acts more responsibly to ensure a safety mechanism to prevent misuse of the credit cards.

February 2008

ICICI continues to harass me on the phone and had sent a recovery agent at my home today. I am totally hassled and am seeking a way to put message straight across to ICICI.

I am a credit card holder of ICICI Bank also get the same under life time free offer. But ever month i got some charges of insurance premium which i have never applied. I don't know about Insurance Charges and all. At the time when I apply this card your Sales Executive told me this is life time free credit card he do not told me any other policy which automatic attach this card. So why should i pay to this Insurance Charges why??... Why??... Why???..

I called to your customer care several times to correct the billing amount and all the times they promised me to do that, but again there were no results. So, last time I called again to your customer care with the same request on 12.01.2008 and they took a new request no.13010898 and promised me to correct the billing amount.


So I request you please refund all the balance amount and please close this Insurance Policy as soon as Possible.

Credit Card No. : 5176 5300 8673 (2008)

with kind regards,
MAHABIR SINGH BISHT

-CARD ISSUED IN 2005. BILL NOW IN 2007
- SUDDEN HARSH LANGUAGE.
-THREAT TO SUE AFTER TWO DAYS
-FREE CARD OFFER. NO SPENDING ON CARD . BILL NOW 3000- NO DETAILS PROVIDED.
-TEL FROM TEL NOS 011142294096
01147511232-LEGAL DEPTT-the lady was talking very harsh. It does not behove a bank like icici to behave like a rustic person. I happen to be a hypertensive person and the doctor tells me to avoid tension. After the call my BP shot up and for two days I had to take extra medicine.
why I have to go to bank in 2 days time only is incomprehensible. Please give me the email address of CEO to send a communication to him/her