Dear Mr Singh,

We regret the problem caused to you.We have made a note of your mobile number and shall surely get in touch with you at the earliest to solve the matter.

Regards,
ICICI Bank Customer Service Team.

Hi,

I believe ICICI bank has taken note of my mobile and email ID and expect to here something soon. In the meantime see the below:

I've sent emails to ICICI bank customer care and the bank is not acknowledging of the
- deficiency in service and doing a criminal act of sharing extremely personal identity information to un-authorized and unknown persons by delivering Physical statements to them without checking their identities.
- no email statements sent
- no Mobile alerts received

Still Bank is asking to pay the amount as per the bill generated. I would be unable to pay any amount given the facts above that I wasn't aware of the fraudulent transactions and bank also failed to stop it and also failed to inform me of charges on Credit Card.

Please suggest how do I proceed, shall I take some legal recourse for:
- deficiency in service (banking ombudsman)
- incorrect information provided by customer care (banking ombudsman)
- Sharing of personal information to un-authorized person without my knowledge (a Criminal Act and criminal complaint)


See below banks Ignorance to answer questions asked when they provide incorrect information (bank's claim of delivering email statements, and delivering physical statement to me).

BR,
Gyanendra



-----Reply Separator-------
Dear Mr. Singh,

We understand your concern.

We inform you that your credit card is permanently deactivated due to the non payment of the credit card dues as per the credit card statement .

As it is permanently deactivated we, are unable to reverse any charges levied on this credit card account .

The credit card is permanently deactivated so, it is handled by the collection team .

I request you to make payment as per the statement and avoid levy of further financial charge, which will only add to the dues outstanding. Timely payment of dues also helps maintain good track record with CIBIL.

Looking forward for your co-operation

Sincerely,

CH Chandra Sekhar
Account Manager
ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section
of []Personal Banking | NRI Banking | Corporate and Business Banking | Rural Banking | ICICI Bank[].

We value your feedback on your experience with our response to this query. Please click the "Feedback" tab and give us your views.



-----Original Message-----
From: 507933448@infinity.icicibank.co.in (507933448@infinity.icicibank.co.in)
Date: Tuesday, November 16, 2010 01:46 AM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: RE: Credit Card

Dear Account Manager,

Thank you for elaborate reply on various aspects of the card and fraudulent transactions(including your inability to initiate a reject on the dispute transactions and possibility of entering into a Creditcard settlement).

Before we further talk into this matter. I would like to bring your attention into some facts that you might have not checked before you sent your reply and stated incorrect, these are:

1. I have never received any email alerts or statements on my email ID (s.gyanendra@gmail.com) until last week when I registered for email statements. Check with your departments if there were really any email statement before 12th Nov 2010 regarding this credit card.

2. Also check, though phone alerts are not considered a credible mode of communication, the alerts bank might have sent regarding this credit card has never been received on my mobile after fraudulent transactions has happened on my card. Check with the operator you have been using to send the Mobile alerts.

3. The most important mode of communication and which is considered a must to be delivered to credit card customer (delivery on sign by card holder), to enable him pay credit card bill, is Physical credit card statements. Which I never received.
I'm not contesting here that bank did not dispatch the physical statement, instead that those were never delivered to me (Gyanendra Singh) instead has been kept delivering to some unknown, un-autorized person, without checking his/her identity. In turn exposing my important personal information (which indeed is a crime I suppose).

So, before we discuss any further on this matter, please come back checking the above three details. I attribute this whole matter has happened because Bank failed to apprise me of my statements and transactions happening on my card. Since I was not delivered statements/informed of the transaction I find it difficult to enter into a settlement with bank before clarifying the above facts.

Also, I would like you to claim that before this incidence happened in June-July,2010, you'll find me a timely due paying customer.

I hope bank will not disappoint me and will live upto its credibility of serving the customers in best possible way.

BR,
Gyanendra Singh

-----Reply Separator-------Dear Mr. Singh,

1. We inform you that dispute can be initiated for any transactions only within 75 days from the transaction date.Already 75 days has been crossed , hence we regret our inability to initiate a request on the dispute transactions .

2.Every month we are sending the hard copy statements and soft copy statements to your e-mail id s.gyanendra@gmail.com.

You are already registered for ICICI Bank's e-mail alerts. You will receive the e-mail alerts at your e-mail ID s.gyanendra@gmail.com and SMS alerts at your mobile number 9910017367 .

You will receive the following alerts pertaining to your credit card:

1. Due Date Alert: Five days before the payment due date
2. Available Credit Limit: When 90% of your credit limit is utilized or when only Rs. 2,000 is available for spending
3. Receipt Alert: On receipt of payment
4. E-mail statement.

If you want to register an alternative e-mail ID or mobile number for alerts or if you want to unsubscribe from this service, please write to us.

4.We inform you that no manual intervention can be made to stop the charges if the payment is not credited as per the statement due date.

Late payment fees are charged if the minimum amount due is received after the due date. It is charged at the rate of 30% on minimum amount due, subject to a minimum of Rs. 400.00 and maximum of Rs. 600.00

Late Payment Charges will be levied in the following cases:
* When we do not receive payment of minimum amount outstanding before due date.
* When the payment made is less than the minimum amount outstanding.
* When the payment of minimum amount outstanding is credited after due date.

Interest charges: As per card holder manual, interest charges are accrued in any of these cases:
1. You make a payment for minimum amount outstanding
2. You make a payment less than total amount outstanding
3. If no payment is made.

Interest is charged:
* On the transactions in previous statement from the respective transaction date till the statement date
* On the total amount outstanding from the statement date till the part payment date
* On the remaining amount outstanding balance till the next statement date
* On the fresh purchases done thereafter, till the next statement date.

Rate of interest @ 3.40% is applicable on your ICICI Bank Credit Card whenever a part payment is made and for any cash withdrawal. There are two kinds of charges that accrue in case of cash withdrawals. They are: Transaction Fee: This is levied @ 2.5% of the amount withdrawn, subject to a minimum of Rs. 300 at ATM and ICICI Bank Branch. Interest Charge: This is levied @ 3.40% from the date of cash withdrawal till the date of payment based on the system apportionment.

Over limit: If you exceed the credit limit assigned on your credit card, an over limit fee is levied at the rate of 2.5% on the over limit amount, subject to a minimum of Rs. 500.00

4.Your credit card account 5239 XXXX XXXX 3002 is permanently deactivated due to the non payment of the credit card dues. We regret our inability to process the request for the reversal of the financial charges as it is permanently deactivated.

As on November 13, 2010 the total outstanding amount is Rs 55,941.82 . We request you to pay the total outstanding amount as soon as possible to avoid the charges or confirm us whether you want to go for the settlement of the credit card dues.

We look forward to more opportunities to be of service to you.

Sincerely,

CH Chandra Sekhar
Account Manager
ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

"Now get your credit card statements whenever you feel like, simply visit the cards section on Personal Banking | NRI Banking | Corporate and Business Banking | Rural Banking | ICICI Bank and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders."

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of Personal Banking | NRI Banking | Corporate and Business Banking | Rural Banking | ICICI Bank

We value your feedback on your experience with our response to this query. Please click the "Feedback" tab and give us your views.


-----Original Message-----
From: 507933448@infinity.icicibank.co.in (507933448@infinity.icicibank.co.in)
Date: Wednesday, November 10, 2010 09:33 PM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: Credit Card

Branch Id : VP Account Id : 5239xxxxxxxx3002
Dear Account Manager,

I've been using this credit card since quite sometime. In last June and July, 2010 there were some fraudulent online transactions on my credit card. Since I was not receiving the physical statement as I moved out from my old residence, the statements were being delivered to some unknown/unauthorized person (without my signature on reciept of statements) compromising private details.

Now when I check online credit card details, I see I have been due to pay ~53,500 INR. This all is accumulation of fraudulent transactions and then late fees and tax on those which I was not informed by statements or other means.

These are the fraud transactions that are unauthorized and without my consent:

26/06/2010 15425950180001066345332 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,083.39(DR)
22/06/2010 15425950175001041495928 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,035.79(DR)
19/06/2010 15425950173001052014628 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,024.50(DR)
03/07/2010 15425950187000108338209 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,277.66(DR)
05/07/2010 15425950188000089645779 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,318.30(DR)
08/07/2010 15425950191000084717784 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,316.77(DR)


I want you to investigate the fraud and clear the outstanding from me as I was never informed by bank, statements not received by me instead delivered to unknown/unauthorized persons living at my old temporary address. Also, these transaction were not authorized by 3-D secure password by me.

Best Regards,
Gyanendra

Dear Gynendra,
You are victim of cyber crime which is now quite comman in INDIA. It can be done by anybody within the system and also an outsider.
To prove authenticity you can contact : cyber crime cell practisioner: dr.soans at
09245201687





I believe ICICI bank has taken note of my mobile and email ID and expect to here something soon. In the meantime see the below:

I've sent emails to ICICI bank customer care and the bank is not acknowledging of the
- deficiency in service and doing a criminal act of sharing extremely personal identity information to un-authorized and unknown persons by delivering Physical statements to them without checking their identities.
- no email statements sent
- no Mobile alerts received

Still Bank is asking to pay the amount as per the bill generated. I would be unable to pay any amount given the facts above that I wasn't aware of the fraudulent transactions and bank also failed to stop it and also failed to inform me of charges on Credit Card.

Please suggest how do I proceed, shall I take some legal recourse for:
- deficiency in service (banking ombudsman)
- incorrect information provided by customer care (banking ombudsman)
- Sharing of personal information to un-authorized person without my knowledge (a Criminal Act and criminal complaint)


See below banks Ignorance to answer questions asked when they provide incorrect information (bank's claim of delivering email statements, and delivering physical statement to me).

BR,
Gyanendra



-----Reply Separator-------
Dear Mr. Singh,

We understand your concern.

We inform you that your credit card is permanently deactivated due to the non payment of the credit card dues as per the credit card statement .

As it is permanently deactivated we, are unable to reverse any charges levied on this credit card account .

The credit card is permanently deactivated so, it is handled by the collection team .

I request you to make payment as per the statement and avoid levy of further financial charge, which will only add to the dues outstanding. Timely payment of dues also helps maintain good track record with CIBIL.

Looking forward for your co-operation

Sincerely,

CH Chandra Sekhar
Account Manager
ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section
of []Personal Banking | NRI Banking | Corporate and Business Banking | Rural Banking | ICICI Bank[].

We value your feedback on your experience with our response to this query. Please click the "Feedback" tab and give us your views.



-----Original Message-----
From: 507933448@infinity.icicibank.co.in (507933448@infinity.icicibank.co.in)
Date: Tuesday, November 16, 2010 01:46 AM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: RE: Credit Card

Dear Account Manager,

Thank you for elaborate reply on various aspects of the card and fraudulent transactions(including your inability to initiate a reject on the dispute transactions and possibility of entering into a Creditcard settlement).

Before we further talk into this matter. I would like to bring your attention into some facts that you might have not checked before you sent your reply and stated incorrect, these are:

1. I have never received any email alerts or statements on my email ID (s.gyanendra@gmail.com) until last week when I registered for email statements. Check with your departments if there were really any email statement before 12th Nov 2010 regarding this credit card.

2. Also check, though phone alerts are not considered a credible mode of communication, the alerts bank might have sent regarding this credit card has never been received on my mobile after fraudulent transactions has happened on my card. Check with the operator you have been using to send the Mobile alerts.

3. The most important mode of communication and which is considered a must to be delivered to credit card customer (delivery on sign by card holder), to enable him pay credit card bill, is Physical credit card statements. Which I never received.
I'm not contesting here that bank did not dispatch the physical statement, instead that those were never delivered to me (Gyanendra Singh) instead has been kept delivering to some unknown, un-autorized person, without checking his/her identity. In turn exposing my important personal information (which indeed is a crime I suppose).

So, before we discuss any further on this matter, please come back checking the above three details. I attribute this whole matter has happened because Bank failed to apprise me of my statements and transactions happening on my card. Since I was not delivered statements/informed of the transaction I find it difficult to enter into a settlement with bank before clarifying the above facts.

Also, I would like you to claim that before this incidence happened in June-July,2010, you'll find me a timely due paying customer.

I hope bank will not disappoint me and will live upto its credibility of serving the customers in best possible way.

BR,
Gyanendra Singh

-----Reply Separator-------Dear Mr. Singh,

1. We inform you that dispute can be initiated for any transactions only within 75 days from the transaction date.Already 75 days has been crossed , hence we regret our inability to initiate a request on the dispute transactions .

2.Every month we are sending the hard copy statements and soft copy statements to your e-mail id s.gyanendra@gmail.com.

You are already registered for ICICI Bank's e-mail alerts. You will receive the e-mail alerts at your e-mail ID s.gyanendra@gmail.com and SMS alerts at your mobile number 9910017367 .

You will receive the following alerts pertaining to your credit card:

1. Due Date Alert: Five days before the payment due date
2. Available Credit Limit: When 90% of your credit limit is utilized or when only Rs. 2,000 is available for spending
3. Receipt Alert: On receipt of payment
4. E-mail statement.

If you want to register an alternative e-mail ID or mobile number for alerts or if you want to unsubscribe from this service, please write to us.

4.We inform you that no manual intervention can be made to stop the charges if the payment is not credited as per the statement due date.

Late payment fees are charged if the minimum amount due is received after the due date. It is charged at the rate of 30% on minimum amount due, subject to a minimum of Rs. 400.00 and maximum of Rs. 600.00

Late Payment Charges will be levied in the following cases:
* When we do not receive payment of minimum amount outstanding before due date.
* When the payment made is less than the minimum amount outstanding.
* When the payment of minimum amount outstanding is credited after due date.

Interest charges: As per card holder manual, interest charges are accrued in any of these cases:
1. You make a payment for minimum amount outstanding
2. You make a payment less than total amount outstanding
3. If no payment is made.

Interest is charged:
* On the transactions in previous statement from the respective transaction date till the statement date
* On the total amount outstanding from the statement date till the part payment date
* On the remaining amount outstanding balance till the next statement date
* On the fresh purchases done thereafter, till the next statement date.

Rate of interest @ 3.40% is applicable on your ICICI Bank Credit Card whenever a part payment is made and for any cash withdrawal. There are two kinds of charges that accrue in case of cash withdrawals. They are: Transaction Fee: This is levied @ 2.5% of the amount withdrawn, subject to a minimum of Rs. 300 at ATM and ICICI Bank Branch. Interest Charge: This is levied @ 3.40% from the date of cash withdrawal till the date of payment based on the system apportionment.

Over limit: If you exceed the credit limit assigned on your credit card, an over limit fee is levied at the rate of 2.5% on the over limit amount, subject to a minimum of Rs. 500.00

4.Your credit card account 5239 XXXX XXXX 3002 is permanently deactivated due to the non payment of the credit card dues. We regret our inability to process the request for the reversal of the financial charges as it is permanently deactivated.

As on November 13, 2010 the total outstanding amount is Rs 55,941.82 . We request you to pay the total outstanding amount as soon as possible to avoid the charges or confirm us whether you want to go for the settlement of the credit card dues.

We look forward to more opportunities to be of service to you.

Sincerely,

CH Chandra Sekhar
Account Manager
ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

"Now get your credit card statements whenever you feel like, simply visit the cards section on Personal Banking | NRI Banking | Corporate and Business Banking | Rural Banking | ICICI Bank and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders."

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of Personal Banking | NRI Banking | Corporate and Business Banking | Rural Banking | ICICI Bank

We value your feedback on your experience with our response to this query. Please click the "Feedback" tab and give us your views.


-----Original Message-----
From: 507933448@infinity.icicibank.co.in (507933448@infinity.icicibank.co.in)
Date: Wednesday, November 10, 2010 09:33 PM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: Credit Card

Branch Id : VP Account Id : 5239xxxxxxxx3002
Dear Account Manager,

I've been using this credit card since quite sometime. In last June and July, 2010 there were some fraudulent online transactions on my credit card. Since I was not receiving the physical statement as I moved out from my old residence, the statements were being delivered to some unknown/unauthorized person (without my signature on reciept of statements) compromising private details.

Now when I check online credit card details, I see I have been due to pay ~53,500 INR. This all is accumulation of fraudulent transactions and then late fees and tax on those which I was not informed by statements or other means.

These are the fraud transactions that are unauthorized and without my consent:

26/06/2010 15425950180001066345332 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,083.39(DR)
22/06/2010 15425950175001041495928 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,035.79(DR)
19/06/2010 15425950173001052014628 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,024.50(DR)
03/07/2010 15425950187000108338209 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,277.66(DR)
05/07/2010 15425950188000089645779 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,318.30(DR)
08/07/2010 15425950191000084717784 BETAMAX VOIP CREDITCOLOGNEDEU Sales
Draft Rs. 7,316.77(DR)


I want you to investigate the fraud and clear the outstanding from me as I was never informed by bank, statements not received by me instead delivered to unknown/unauthorized persons living at my old temporary address. Also, these transaction were not authorized by 3-D secure password by me.

Best Regards,
Gyanendra[/QUOTE]