Dear Sir,



1. I am using my salary Account from ICICI Bank Ltd whose account no is 015401506877 branch is pitampura. This Account is running smoothly since 4 year, there is no any problem I m facing before8th O ct 2010. On the 8th evening I got a message from ICICI Bank that there is a Debit for 20,114.56 Rupee on behalf of 4477478280138003(credit card no.).

2. I immediately made a call to the customer care of ICICI Bank for the detail of this transaction and to launch a complain regarding this transaction. I asked to the customer care executive why my account is debited without my prior instruction and I also asked on who is the card owner, then he replied me this card belongs to me and it is carrying my pan no., my DOB and my name. I immediately replied him this card not belongs to me I never use this credit card in my life. I asked to him give me the name of credit card, the name was ICICI Bank Big Bazar Card. I told him please take a complain regarding this transaction that this card not belongs to me but he is t not ready to take a complain and he is scolding me for not paying the due on this card, I insisted to take a complain but he is not accepting my any words. He stated me we are having a right to lien your account without any prior information if your credit card amount is due. I accepted his point but the card should belongs to me, when I uses the card then only you can practice your right which is provided from RBI but in this case I never knew and seen this credit card then how you people debit my account which is a very hard earned money of mine, how you can suck my account if I am not the right person whom you have to collect the due amount. At last no one helps me from the customer care department of ICICI Bank in spite of scolding me.

3. I immediately visited ICICI Bank Branch which is located at Nehru Place, I contacted the complain people. I gave him the detail of this transaction which I got from the ICICI Bank side and asked for the same why this happens to my account; he asked me few details of mine. After this he contacted someone from his bank and he insisted to visit Mr. Manoj Rawat from Defense Colony Branch. I asked for the detail of this card how this card belongs to me. He showed me the detail of that card. I found all the detail is not matching with mine, only my Pan Number & DOB is mentioned there. Below I am mentioning the details of that card which is not matching with my details.

MY DETAILS CARD DETAILS
Name: NIRAJ KUMAR NEERAJ KUMAR

MOTHER’S NAME: SUDHA DEVI REETA

EMPLOYER (2007): GEOJIT FINANCIAL SERVICES AVIVA INDIA LIFE INSURANCE CO LTD

ADDRESS: FLAT NO S-2 BUILDING NO F122 9 A MIG FLAT JASOLA VIHAR DELHI
KATWARIA SARAI NEW DELHI 110016

PERMANENT ADDRESS: PATNA 9 A MIG FLAT JASOLA VIHAR DELHI

MOBILE NO: 9717701960 9818837697



These are the details which is never belongs to me. I stated to Mr. Manoj Rawat, this not shows that this card belongs to me. I asked him help me out and guide me what to do how my hard earned money you people will give me which you have been debited without any reason. He told me that he can’t help me out from this menace, at the end of the conversation which I am doing with him, he told you should visit Videocon tower customer care (head office). They will solve your problem

4. On 11th of Oct I went to the Videocon tower customer care. I met to Sweta and gave my issue to her. She gone through all the details and she stated me same thing that this card belongs to me that’s why we debited your money. I asked her give me the details and proof what you had taken when you issued the card, she directly refused that we don’t have right to show you.
I shocked to listen these type of sentence from a customer care guy, the bank is debiting my account without any prior information and she says that bank don’t show me the details of the forged document. I threaten her that we are residing in the country where people is availing a RIGHT TO INFORMATION ACT and I know very well how to use it, you have to show this detail right away. She shouted on me you don’t have a right to talk like this. I said ok I am here for the solving the forged done by your bank , if I never use this card then how come you debited my hard earned money from my salary account. Without informing me how you can issue a credit card on my name, and if issued why I do not know since 3 year, why you never contacted me on my contact number when I am using your salary account since 4 year and my mobile no is regularly updated on your customer contact list. I am loosing my money and you are talking you are not suppose to give me the detail of forged done by your bank on my name.
Some of employee came to me and said that calm down we will solve the issue then he contacted their senior in Mumbai and asked for the document submitted when the card was issued, they taken two days time.
On 13th of Oct I went again to the Videocon tower for the detail. They showed me Pan Card which is ORIGINAL SEEN VERIFIED (OSV) by the employee of ICICI Bank and there is self attached by my sign which is totally forged copied from my pan card, it was not my sign at all. That document was stamped by the ICICI BANK LTD. The document they showed me that was.
1. PAN CARD
2. SALARY SLIP
3. TWO WHEELER LOAN STATEMENT

5. As per my knowledge I never given my loan account number to any one and I never worked with Aviva India life insurance then how can I give salary slip to any one.
I asked to them please help me out this is the fraud which is done by your bank issuing credit card on my name to the culprit who did this in COLLUSION of your bank. I also mentioned that I never applied for any Big Bazaar Card till date and I never shown my pan card to any one for ORIGINAL SEEN VERIFICATION (OSV). Then how the ICICI bank employee verified my pan card without seeing the original one, this is only happen whenever the employees of bank and the culprit having COLLUSION, WITHOUT COLLUSION OF BANK EMPLOYEE THIS WOULD NEVER HAPPEN TO ANY ONE. I strongly feel this is the case which is happened to me because if the bank employee in not involved then how they verified my pan card.



6. And the second point which I want to mentioned that if the card is issued on my name why I am not informed at all since 3 years. The bank is also having the collection team who use to collect the due amount to the defaulter, if the card is default then why the collection team is not contacted me for the due amount or settlement. If the card is not having the settlement then my name is also mentioned with the CIBIL (CREDIT INFORMATION BUREAO INDIA LIMITED) with all the detail like mobile number, address and the employer. My point is only that if all the details are available with respective bank where I am using my account since 4 year and the credit information bureau India limited then why the bank people never contacted me since 3 year. I regularly updated my address as I changed my contact address which is mentioned with the ICICI Bank Ltd and the contact number.

7. According to above mentioned case history I concluded one thing, that this forged only happens when the bank is involved. So I want ICICI Bank Ltd to compensate me for the mental torcher and the mental harassments which I am facing since the case was happened and ICICI Bank is helping me out from this menace , they are not at all entertaining me as a I am loyal customer of the bank since 4 years.

8. So ICICI Bank should compensate me for Rupees 2 Lacks for this mental harrashement since when this case was happened to me.


Thanks
Niraj Kumar

Dear Mr Niraj,

We are sorry to hear about your experience with ICICI Bank. We regret the problem caused to you. We have made a note of your mobile number and shall get in touch with you at the earliest to solve the issue.

Regards,
ICICI Bank Customer Service Team.

Originally Posted by niraj80024

Dear Sir,



1. I am using my salary Account from ICICI Bank Ltd whose account no is 015401506877 branch is pitampura. This Account is running smoothly since 4 year, there is no any problem I m facing before8th O ct 2010. On the 8th evening I got a message from ICICI Bank that there is a Debit for 20,114.56 Rupee on behalf of 4477478280138003(credit card no.).

2. I immediately made a call to the customer care of ICICI Bank for the detail of this transaction and to launch a complain regarding this transaction. I asked to the customer care executive why my account is debited without my prior instruction and I also asked on who is the card owner, then he replied me this card belongs to me and it is carrying my pan no., my DOB and my name. I immediately replied him this card not belongs to me I never use this credit card in my life. I asked to him give me the name of credit card, the name was ICICI Bank Big Bazar Card. I told him please take a complain regarding this transaction that this card not belongs to me but he is t not ready to take a complain and he is scolding me for not paying the due on this card, I insisted to take a complain but he is not accepting my any words. He stated me we are having a right to lien your account without any prior information if your credit card amount is due. I accepted his point but the card should belongs to me, when I uses the card then only you can practice your right which is provided from RBI but in this case I never knew and seen this credit card then how you people debit my account which is a very hard earned money of mine, how you can suck my account if I am not the right person whom you have to collect the due amount. At last no one helps me from the customer care department of ICICI Bank in spite of scolding me.

3. I immediately visited ICICI Bank Branch which is located at Nehru Place, I contacted the complain people. I gave him the detail of this transaction which I got from the ICICI Bank side and asked for the same why this happens to my account; he asked me few details of mine. After this he contacted someone from his bank and he insisted to visit Mr. Manoj Rawat from Defense Colony Branch. I asked for the detail of this card how this card belongs to me. He showed me the detail of that card. I found all the detail is not matching with mine, only my Pan Number & DOB is mentioned there. Below I am mentioning the details of that card which is not matching with my details.

MY DETAILS CARD DETAILS
Name: NIRAJ KUMAR NEERAJ KUMAR

MOTHER’S NAME: SUDHA DEVI REETA

EMPLOYER (2007): GEOJIT FINANCIAL SERVICES AVIVA INDIA LIFE INSURANCE CO LTD

ADDRESS: FLAT NO S-2 BUILDING NO F122 9 A MIG FLAT JASOLA VIHAR DELHI
KATWARIA SARAI NEW DELHI 110016

PERMANENT ADDRESS: PATNA 9 A MIG FLAT JASOLA VIHAR DELHI

MOBILE NO: 9717701960 9818837697



These are the details which is never belongs to me. I stated to Mr. Manoj Rawat, this not shows that this card belongs to me. I asked him help me out and guide me what to do how my hard earned money you people will give me which you have been debited without any reason. He told me that he can’t help me out from this menace, at the end of the conversation which I am doing with him, he told you should visit Videocon tower customer care (head office). They will solve your problem

4. On 11th of Oct I went to the Videocon tower customer care. I met to Sweta and gave my issue to her. She gone through all the details and she stated me same thing that this card belongs to me that’s why we debited your money. I asked her give me the details and proof what you had taken when you issued the card, she directly refused that we don’t have right to show you.
I shocked to listen these type of sentence from a customer care guy, the bank is debiting my account without any prior information and she says that bank don’t show me the details of the forged document. I threaten her that we are residing in the country where people is availing a RIGHT TO INFORMATION ACT and I know very well how to use it, you have to show this detail right away. She shouted on me you don’t have a right to talk like this. I said ok I am here for the solving the forged done by your bank , if I never use this card then how come you debited my hard earned money from my salary account. Without informing me how you can issue a credit card on my name, and if issued why I do not know since 3 year, why you never contacted me on my contact number when I am using your salary account since 4 year and my mobile no is regularly updated on your customer contact list. I am loosing my money and you are talking you are not suppose to give me the detail of forged done by your bank on my name.
Some of employee came to me and said that calm down we will solve the issue then he contacted their senior in Mumbai and asked for the document submitted when the card was issued, they taken two days time.
On 13th of Oct I went again to the Videocon tower for the detail. They showed me Pan Card which is ORIGINAL SEEN VERIFIED (OSV) by the employee of ICICI Bank and there is self attached by my sign which is totally forged copied from my pan card, it was not my sign at all. That document was stamped by the ICICI BANK LTD. The document they showed me that was.
1. PAN CARD
2. SALARY SLIP
3. TWO WHEELER LOAN STATEMENT

5. As per my knowledge I never given my loan account number to any one and I never worked with Aviva India life insurance then how can I give salary slip to any one.
I asked to them please help me out this is the fraud which is done by your bank issuing credit card on my name to the culprit who did this in COLLUSION of your bank. I also mentioned that I never applied for any Big Bazaar Card till date and I never shown my pan card to any one for ORIGINAL SEEN VERIFICATION (OSV). Then how the ICICI bank employee verified my pan card without seeing the original one, this is only happen whenever the employees of bank and the culprit having COLLUSION, WITHOUT COLLUSION OF BANK EMPLOYEE THIS WOULD NEVER HAPPEN TO ANY ONE. I strongly feel this is the case which is happened to me because if the bank employee in not involved then how they verified my pan card.



6. And the second point which I want to mentioned that if the card is issued on my name why I am not informed at all since 3 years. The bank is also having the collection team who use to collect the due amount to the defaulter, if the card is default then why the collection team is not contacted me for the due amount or settlement. If the card is not having the settlement then my name is also mentioned with the CIBIL (CREDIT INFORMATION BUREAO INDIA LIMITED) with all the detail like mobile number, address and the employer. My point is only that if all the details are available with respective bank where I am using my account since 4 year and the credit information bureau India limited then why the bank people never contacted me since 3 year. I regularly updated my address as I changed my contact address which is mentioned with the ICICI Bank Ltd and the contact number.

7. According to above mentioned case history I concluded one thing, that this forged only happens when the bank is involved. So I want ICICI Bank Ltd to compensate me for the mental torcher and the mental harassments which I am facing since the case was happened and ICICI Bank is helping me out from this menace , they are not at all entertaining me as a I am loyal customer of the bank since 4 years.

8. So ICICI Bank should compensate me for Rupees 2 Lacks for this mental harrashement since when this case was happened to me.


Thanks
Niraj Kumar