Sub:- Complaint against possible violations of the Indian Penal Code by the ICICI Officials

Ref: Complaint No with ICICI Bank Customer Care: SR208215305; ICICI Bank Account No: 07801009301 (V Sridharan, Aaditi Shridharan)

I am constrained to write to you for justice since this incident involves possible offence of ‘Criminal breach of trust ‘ Cheating ‘ and forgery under the Indian Penal Code. Under the Law I am entitled to proceed against all the Directors of the Bank and also you as the Compliance Head for the following offence which has deprived me of my hard earned money :


I did last with drew Rs. 5000/- (Rupees five thousand only) on 29th December 2011 at HDFC Bank ATM in Ambi – Varle Road Talegaon Dabhade, Maval (TK), Pune (Dist).

Post which my card has been misused By Rs. 65,000.00 (Rupees sixty five thousand only) and please note below the highlighted transactions which are debited from my account while my ATM card is safe and intact with me. I had already advised ICICI Bank customer care to block my ATM card.

The ICICI Bank Customer Care confirmed that the amounts were withdrawn from different ICICI ATMs and as per details provided by ICICI CC, they were withdrawn from Vashi (Mumbai), Navi Mumbai, and Goa, while I was staying at the above stated Reverdale residence since 26th December 2011 till 1st Jan2012. I met the police official Mr. Shaikh – JAMADHAR of Talegaon Dhabade Police station on 31st Dec 2011 at 23:00 hrs and Mr. Sudhakar the ICICI Bank Customer care officer also spoke to the same police official at 00:10 hrs.

The customer care officer & Manager Mr. Sudhakar and Mr. Narendra respectively advised me that ICICI Bank wants FIR registration number basis which the amount will be reversed to my account.

Talegaon Dabhade Police station received the complaint, acknowledged the same and please refer to the 2nd attachment.

On receipt of the acknowledgement from Police, I again contacted ICICI Bank Customer care and spoke to the manager Ms. Muzammil, who told me that Police will investigate and ICICI Bank will support with video sabotages of ATM centers. But no assurance was given on when the money will be reversed to my account.

· Why the 2 customer care managers from ICICI Bank are providing different versions?
· ICICI Bank is custodian of my cash and ICICI Bank software issue led to some one hacking my account. Why ICICI Bank is not taking any ownership?
· I’m a salaried person and No Other earnings (single earning member of the family), and almost 73% of my salary is siphoned off. Is it not ICICI Bank’s responsibility to protect the interest of the customer who had TRUSTED on the bank?
· How ICICI Bank is valuing their customers given that I’ve 10+ years of association with ICICI Bank?

Further, I was informed that the account was skimmed during my visit to Goa 2011 and later the ATM Pin was also tracked. I was assured by the customer care officer on 2nd Jan`12 that concerned ICICI Official will be keeping in touch in 48 hours, but no response so far. I had sent a complaint to customer.care@icicibank.com and I did not receive any response so far.

The ATM Card is still with me and now it is ICICI Bank’s responsibility to transfer the fund immediately to my account and lodge complaint with police to investigate further and strengthen their soft-ware to track skimming of their customer accounts and Debit / Credit Cards etc.

Please help me to recover my money from the bank.

Yours truly,
V Sridharan.