Dear Sir/Madam,

I have Salary Saving Account with ICICI Bank, Colaba Branch. I have withdrawn Rs. 900/- from Kotak Mahindra Bank ATM (address- 13/14, Ashoka Shopping Centre, G.T Hospital Complex, L.T.Marg, Crawford Market, Mumbai - 400 001) on 22.10.2011 at 6.20pm. But there is an another transaction for withdrawal of the same amount and from the same ATM on 23.10.2011 at 5.00 am as per ICICI records. The same is not withdrawn by me on 23.10.2011. I have requested ICICI to investigate this matter. Also lodged complaint theu ICICI Customer Care and The complaint number is SR194735679. But they are not co-operating properly.

They are not giving any investigation report. They have not checked CCTV footage of the disputed ATM Machine. And saying that the withdrawal is done by Non-ICICI bank ATM Machine and we are not responsible for the same. The amount is small but they have damaged my faith in this matter. I have attached all the correspondence underneath mail for your reference.

Kindly help & register my complaint with you. Awaiting your reply.

Jitendra Yevle

---------- Forwarded message ----------
From: Head Branch Banking <headbranchbanking@icicibank.com>
Date: Mon, Nov 21, 2011 at 7:22 PM
Subject: RE:'ICICICARE=043-133-045'
To: Jitendra Yevle <jitendrayevle@nitco.in>


Dear Mr. Yevle,


We acknowledge receipt of your e-mail of November 16, 2011 and November 17, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743.

We submit that based upon your complaint, bank has done the necessary investigation in this case. As per our findings, we state that the cash transactions are done from Non ICICI Bank ATM machine. However, we will not be able to provide our internal investigation report.

With reference to your query regarding the camera clippings, we are unable to retrieve the clippings as the transaction was done from Non ICICI Bank.

We would like to inform you that the camera clippings only captures images of the person withdrawing the cash, it doesn't capture the image of cash dispensed for security reasons.

In absence of the video clippings, the other documents like Electronic Journal.(EJ) will be taken into consideration.

We request you to meet this explanation with understanding and acceptance.

We assure you of our best of services at all times.


Sincerely,

Ashok Kumar Reddy
Office of Head Service Quality















-----Original Message-----
From: Jitendra Yevle (jitendrayevle@nitco.in)
Date: Friday, November 18, 2011 01:14 PM
To: Head Branch Banking (headbranchbanking@icicibank.com)
Subject: Re:

Dear Mr. Ashok, Please dont repeat the words again. You have not yet replied my below queries. * What kind of investigation done by your vigilance team? * Have they checked the CCTV footage of KOTAK MAHINDRA's ATM? * If it is NON-ICICI ATM transaction, which means you have no responsibility to invistigate the matter? * Your system does not make any mistakes. I already told you that Police officer (Mr. Shinde - API) clearly advised that it is wrong debit entry & FIR is not required then why you are insisting for the same. I want to meet you personally then we will visit AZAD MAIDAN police station together. I will bear the cost of your pick up & drop from Bank. No issues on that. And still you do not want to understand. Then I have to make big issue thru media also for smaller amount. I will give entire correspondence details to media. Let them investigate the matter and till the time I will process the complaint thru Consumer Court. Jitendra On Fri, Nov 18, 2011 at 12:48 PM, Head Branch Banking <headbranchbanking@icicibank.com> wrote: Dear Mr. Yevle, We acknowledge receipt of your e-mail of November 16, 2011 and November 17, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743. We submit that based upon your complaint, bank has done the necessary investigation in this case. As per our findings, we state that the cash transactions are done from Non ICICI Bank ATM machine. While we understand from you that the account related classified information was not shared by you, we trust you will appreciate that an ATM withdrawal transaction is possible only with the combination of Debit card and Pin. As all this information was in your possession when the disputed transaction occurred and it is the responsibility of the account holder to safeguard this information, the Bank is not liable to refund the amount of the disputed transactions. In view of the same, we regret our inability to refund the disputed transaction in this case. We request you to lodge an FIR with the local police authorities against these disputed transactions. We request you to take up the matter with Police authorities for necessary investigation and we assure that full co-operation will be extended from our end in concluding the police investigation. We assure you of our best of services at all times. Sincerely, Ashok Kumar Reddy Office of Head Service Quality -----Original Message----- From: Jitendra Yevle (jitendrayevle@nitco.in) Date: Thursday, November 17, 2011 09:56 AM To: headbranchbanking@icicibank.com (headbranchbanking@icicibank.com) Subject: Re: Dear Mr. Ashok, I want your positive reply & credit the disputed amount to my account. I need it positively within next 3 days. Otherwise I will file a suit in Consumer Court against ICICI bank for this matter on Monday. I will wait for next 3 days & then I will take necessary action. Jitendra On Wed, Nov 16, 2011 at 7:18 PM, Jitendra Yevle <jitendrayevle@nitco.in> wrote: Dear Mr Ashok On what basis you are saying that it is done by me. I know it is non ICICI Bank ATM machine transaction. It means not that I have withdrawn the amount. What kind of investigation done by your vigilance team? Have they checked the CCTV footage of KOTAK MAHINDRA's ATM? I know that ATM withdrawal transaction is possible only with the combination of Debit card and Pin. And all this information was in my possession when the disputed transaction occurred which means not that your system does not make any mistakes. I already told you that Police officer clearly advised that it is wrong debit entry & FIR is not required. I need your location details to meet you personally. I want to see your investigation report. Jitendra From: Head Branch Banking [mailto:headbranchbanking@ICICIBANK.COM] Sent: Wednesday, November 16, 2011 06:50 PM To: Jitendra Yevle <jitendrayevle@nitco.in> Subject: RE:'ICICICARE=043-133-045' Dear Mr. Yevle, We acknowledge receipt of your e-mail of November 15, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743. Based upon your complaint, the Bank has done the necessary investigation in this case. As per our findings, the cash transactions are done from Non ICICI Bank ATM machines. While we understand from you that the account related classified information was not shared by you, we trust you will appreciate that an ATM withdrawal transaction is possible only with the combination of Debit card and Pin. As all this information was in your possession when the disputed transaction occurred and it is the responsibility of the account holder to safeguard this information, the Bank is not liable to refund the amount of the disputed transactions. In view of the same, we regret our inability to refund the disputed transaction in this case. We request you to lodge an FIR with the local police authorities against these disputed transactions. We request you to take up the matter with Police authorities for necessary investigation and we assure that full co-operation will be extended from our end in concluding the police investigation. We assure you of our best of services at all times. Sincerely, Ashok Kumar Reddy Office of Head Service Quality CONFIDENTIALITY INFORMATION AND DISCLAIMER This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank. -----Original Message----- From: Jitendra Yevle (jitendrayevle@nitco.in) Date: Tuesday, November 15, 2011 06:28 PM To: Head Branch Banking (headbranchbanking@icicibank.com) Subject: Re: Dear Mr. Ashok, You mean to say on or before November 17, 2011 instead of October. I will file FIR immediately.. Jitendra On Tue, Nov 15, 2011 at 6:16 PM, Head Branch Banking <headbranchbanking@icicibank.com> wrote: Dear Mr. Yevle, We acknowledge receipt of your e-mail of November 144, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743. We request you to lodge an FIR with police authorities against this disputed transactions. We assure that Bank will extend all the co-operation to the law enforcement authorities in investigation. However, we are looking into your complaint and update you the status on or before October 17, 2011. We appreciate your cooperation in the interim. Sincerely, Ashok Kumar Reddy Office of Head Service Quality AND DISCLAIMER This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank. -----Original Message----- From: Jitendra Yevle (jitendrayevle@nitco.in) Date: Monday, November 14, 2011 05:13 PM To: headbranchbanking@icicibank.com (headbranchbanking@icicibank.com) Subject: Re: Dear Mr. Ashok, Kindly revert on below to take action. Jitendra From: Jitendra Yevle [mailto:jitendrayevle@nitco.in] Sent: Monday, November 14, 2011 10:52 AM To: Head Branch Banking <headbranchbanking@icicibank.com> Subject: Re: 'ICICICARE=043-133-045' Dear Mr. Ashok, I have received a call from Customer Service to pur FIR with the police Station for this matter. Please advice if this is necessary for your investigation. If yes then I will file FIR with LT Marg Police Station, Kalbadevi. Awaiting your reply. Jitendra On Tue, Nov 8, 2011 at 5:58 PM, Head Branch Banking <headbranchbanking@icicibank.com> wrote: Dear Mr. Yevle, We acknowledge receipt of your e-mail of November 4, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743. Your complaint has been registered vide Service Reference Number SR196351089. We understand that you have the following complaint: a. Dispute on the amount debited from your account We are looking into the complaint and will revert to you on or before November 16, 2011. Sincerely, Ashok Kumar Reddy Office of Head Service Quality CONFIDENTIALITY INFORMATION AND DISCLAIMER This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank. -----Original Message----- From: Jitendra Yevle (jitendrayevle@nitco.in) Date: Friday, November 04, 2011 02:59 PM To: headbranchbanking@icicibank.com (headbranchbanking@icicibank.com) Subject: Fraud Complaint - No Reply Branch Id : 1043 Dear Mr. A. Palta, I have a Salary Saving account with you and I have registered a complaint through customer service for fraud transaction done on my saving account on 23.10.2011. The complaint number is SR194735679. Matter is as below :- " I have withdrawn Rs. 900/- from Kotak Mahindra Bank ATM (address- 13/14, Ashoka Shopping Centre, G.T Hospital Complex, L.T.Marg, Crawford Market, Mumbai - 400 001) on 22.10.2011 at 6.20pm. But there is an another transaction for withdrawal of the same amount and from the same ATM on 23.10.2011 at 5.00 am as per your records. The same is not withdrawn by me on 23.10.2011. I have requested to investigate this matter & credit the Rs. 900 back to my account " I tried to contact the customer service but they are saying that it is still under process. And they do not have any idea when it will finish. Kindly help & credit the Rs. 900 back to my account. Jitendra

---------- Forwarded message ----------
From: Head Branch Banking <headbranchbanking@icicibank.com>
Date: Mon, Nov 21, 2011 at 7:22 PM
Subject: RE:'ICICICARE=043-133-045'
To: Jitendra Yevle <jitendrayevle@nitco.in>


Dear Mr. Yevle,


We acknowledge receipt of your e-mail of November 16, 2011 and November 17, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743.

We submit that based upon your complaint, bank has done the necessary investigation in this case. As per our findings, we state that the cash transactions are done from Non ICICI Bank ATM machine. However, we will not be able to provide our internal investigation report.

With reference to your query regarding the camera clippings, we are unable to retrieve the clippings as the transaction was done from Non ICICI Bank.

We would like to inform you that the camera clippings only captures images of the person withdrawing the cash, it doesn't capture the image of cash dispensed for security reasons.

In absence of the video clippings, the other documents like Electronic Journal.(EJ) will be taken into consideration.

We request you to meet this explanation with understanding and acceptance.

We assure you of our best of services at all times.


Sincerely,

Ashok Kumar Reddy
Office of Head Service Quality


CONFIDENTIALITY INFORMATION AND DISCLAIMER
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank.




















-----Original Message-----
From: Jitendra Yevle (jitendrayevle@nitco.in)
Date: Friday, November 18, 2011 01:14 PM
To: Head Branch Banking (headbranchbanking@icicibank.com)
Subject: Re:

Dear Mr. Ashok, Please dont repeat the words again. You have not yet replied my below queries. * What kind of investigation done by your vigilance team? * Have they checked the CCTV footage of KOTAK MAHINDRA's ATM? * If it is NON-ICICI ATM transaction, which means you have no responsibility to invistigate the matter? * Your system does not make any mistakes. I already told you that Police officer (Mr. Shinde - API) clearly advised that it is wrong debit entry & FIR is not required then why you are insisting for the same. I want to meet you personally then we will visit AZAD MAIDAN police station together. I will bear the cost of your pick up & drop from Bank. No issues on that. And still you do not want to understand. Then I have to make big issue thru media also for smaller amount. I will give entire correspondence details to media. Let them investigate the matter and till the time I will process the complaint thru Consumer Court. Jitendra On Fri, Nov 18, 2011 at 12:48 PM, Head Branch Banking <headbranchbanking@icicibank.com> wrote: Dear Mr. Yevle, We acknowledge receipt of your e-mail of November 16, 2011 and November 17, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743. We submit that based upon your complaint, bank has done the necessary investigation in this case. As per our findings, we state that the cash transactions are done from Non ICICI Bank ATM machine. While we understand from you that the account related classified information was not shared by you, we trust you will appreciate that an ATM withdrawal transaction is possible only with the combination of Debit card and Pin. As all this information was in your possession when the disputed transaction occurred and it is the responsibility of the account holder to safeguard this information, the Bank is not liable to refund the amount of the disputed transactions. In view of the same, we regret our inability to refund the disputed transaction in this case. We request you to lodge an FIR with the local police authorities against these disputed transactions. We request you to take up the matter with Police authorities for necessary investigation and we assure that full co-operation will be extended from our end in concluding the police investigation. We assure you of our best of services at all times. Sincerely, Ashok Kumar Reddy Office of Head Service Quality CONFIDENTIALITY INFORMATION AND DISCLAIMER This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank. -----Original Message----- From: Jitendra Yevle (jitendrayevle@nitco.in) Date: Thursday, November 17, 2011 09:56 AM To: headbranchbanking@icicibank.com (headbranchbanking@icicibank.com) Subject: Re: Dear Mr. Ashok, I want your positive reply & credit the disputed amount to my account. I need it positively within next 3 days. Otherwise I will file a suit in Consumer Court against ICICI bank for this matter on Monday. I will wait for next 3 days & then I will take necessary action. Jitendra On Wed, Nov 16, 2011 at 7:18 PM, Jitendra Yevle <jitendrayevle@nitco.in> wrote: Dear Mr Ashok On what basis you are saying that it is done by me. I know it is non ICICI Bank ATM machine transaction. It means not that I have withdrawn the amount. What kind of investigation done by your vigilance team? Have they checked the CCTV footage of KOTAK MAHINDRA's ATM? I know that ATM withdrawal transaction is possible only with the combination of Debit card and Pin. And all this information was in my possession when the disputed transaction occurred which means not that your system does not make any mistakes. I already told you that Police officer clearly advised that it is wrong debit entry & FIR is not required. I need your location details to meet you personally. I want to see your investigation report. Jitendra From: Head Branch Banking [mailto:headbranchbanking@ICICIBANK.COM] Sent: Wednesday, November 16, 2011 06:50 PM To: Jitendra Yevle <jitendrayevle@nitco.in> Subject: RE:'ICICICARE=043-133-045' Dear Mr. Yevle, We acknowledge receipt of your e-mail of November 15, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743. Based upon your complaint, the Bank has done the necessary investigation in this case. As per our findings, the cash transactions are done from Non ICICI Bank ATM machines. While we understand from you that the account related classified information was not shared by you, we trust you will appreciate that an ATM withdrawal transaction is possible only with the combination of Debit card and Pin. As all this information was in your possession when the disputed transaction occurred and it is the responsibility of the account holder to safeguard this information, the Bank is not liable to refund the amount of the disputed transactions. In view of the same, we regret our inability to refund the disputed transaction in this case. We request you to lodge an FIR with the local police authorities against these disputed transactions. We request you to take up the matter with Police authorities for necessary investigation and we assure that full co-operation will be extended from our end in concluding the police investigation. We assure you of our best of services at all times. Sincerely, Ashok Kumar Reddy Office of Head Service Quality CONFIDENTIALITY INFORMATION AND DISCLAIMER This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank. -----Original Message----- From: Jitendra Yevle (jitendrayevle@nitco.in) Date: Tuesday, November 15, 2011 06:28 PM To: Head Branch Banking (headbranchbanking@icicibank.com) Subject: Re: Dear Mr. Ashok, You mean to say on or before November 17, 2011 instead of October. I will file FIR immediately.. Jitendra On Tue, Nov 15, 2011 at 6:16 PM, Head Branch Banking <headbranchbanking@icicibank.com> wrote: Dear Mr. Yevle, We acknowledge receipt of your e-mail of November 144, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743. We request you to lodge an FIR with police authorities against this disputed transactions. We assure that Bank will extend all the co-operation to the law enforcement authorities in investigation. However, we are looking into your complaint and update you the status on or before October 17, 2011. We appreciate your cooperation in the interim. Sincerely, Ashok Kumar Reddy Office of Head Service Quality CONFIDENTIALITY INFORMATION AND DISCLAIMER This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank. -----Original Message----- From: Jitendra Yevle (jitendrayevle@nitco.in) Date: Monday, November 14, 2011 05:13 PM To: headbranchbanking@icicibank.com (headbranchbanking@icicibank.com) Subject: Re: Dear Mr. Ashok, Kindly revert on below to take action. Jitendra From: Jitendra Yevle [mailto:jitendrayevle@nitco.in] Sent: Monday, November 14, 2011 10:52 AM To: Head Branch Banking <headbranchbanking@icicibank.com> Subject: Re: 'ICICICARE=043-133-045' Dear Mr. Ashok, I have received a call from Customer Service to pur FIR with the police Station for this matter. Please advice if this is necessary for your investigation. If yes then I will file FIR with LT Marg Police Station, Kalbadevi. Awaiting your reply. Jitendra On Tue, Nov 8, 2011 at 5:58 PM, Head Branch Banking <headbranchbanking@icicibank.com> wrote: Dear Mr. Yevle, We acknowledge receipt of your e-mail of November 4, 2011 addressed to Mr. A. Palta regarding your Savings Bank Account XXXXXXXX3743. Your complaint has been registered vide Service Reference Number SR196351089. We understand that you have the following complaint: a. Dispute on the amount debited from your account We are looking into the complaint and will revert to you on or before November 16, 2011. Sincerely, Ashok Kumar Reddy Office of Head Service Quality CONFIDENTIALITY INFORMATION AND DISCLAIMER This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank. -----Original Message----- From: Jitendra Yevle (jitendrayevle@nitco.in) Date: Friday, November 04, 2011 02:59 PM To: headbranchbanking@icicibank.com (headbranchbanking@icicibank.com) Subject: Fraud Complaint - No Reply Branch Id : 1043 Account Id : 104301503743 Dear Mr. A. Palta, I have a Salary Saving account with you and I have registered a complaint through customer service for fraud transaction done on my saving account on 23.10.2011. The complaint number is SR194735679. Matter is as below :- " I have withdrawn Rs. 900/- from Kotak Mahindra Bank ATM (address- 13/14, Ashoka Shopping Centre, G.T Hospital Complex, L.T.Marg, Crawford Market, Mumbai - 400 001) on 22.10.2011 at 6.20pm. But there is an another transaction for withdrawal of the same amount and from the same ATM on 23.10.2011 at 5.00 am as per your records. The same is not withdrawn by me on 23.10.2011. I have requested to investigate this matter & credit the Rs. 900 back to my account " I tried to contact the customer service but they are saying that it is still under process. And they do not have any idea when it will finish. Kindly help & credit the Rs. 900 back to my account. Jitendra