Hi,

I have the following savings-salary account with ICICI Bank since the last 4 years: **************

On friday, i checked my account using internet banking to find that approx Rs. 28,000/- have vanished from my account without any details on the statement. I called up the customer care department and they told me that some kind of LIEN was issued on my account which was in regards to some credit card.

I am in no possession of a credit card from your bank(as a matter of fact i do not posses a credit card from any bank). I was astonished to know that there was a credit card on my name and i was not even aware of it. Further the rep told me that the amount that was held from my salary account was for some Lombard insurance policy which was issued on this credit card. They provided me the following details:

Credit card number: *************
Address on which this card was sent: *************

This address was my father's permanent address when i took the following ICICI Home loan from you,way back in 2006.
The homeloan account number is : ******************

I talked to the customer care dept a couple of times to get a complete idea of what all is happening and they finally asked me to go to the collections office in Pune. I visited this office and met Mr.Paramjeet Saini, who was more than adamant and arrogant to inform me that there is nothing he can do about it and the only way i can get out of this LIEN is to pay the amount. Finally after a lot of discussion with him to prove that i am not in possession of this credit card, he asked me to send an email on this id.

I would want the following doubts clarified along with a resolution:

1. Why was a credit card on my name; sent to my co-applicant's correspondence address .
(this is more important because i have never in the last 4 years had this one as the correspondence address. I have got bank statements & other documents from ICICI delivered to a different address - I have got sufficient ICICI bank communications since 2006 to show you the correspondence address)

2. Why was this credit card handed over to someone staying at that address? (I or none of my family members have ever stayed at that address. This property was rented out in 2006 and later sold out)

3. Why was an insurance policy issued on this credit card without my consent. In the first place i never received this card and secondly not even the policy.

4. Why wasn't i called or mailed(or emailed) before putting a LIEN on my savings-salary account in an attempt to inform me that such a kind of CC & policy has been issued on my name.

5. I also have another address where i do not stay currently, but that address is registered with your bank. So in case if someone sends a credit card to that address and issues a policy on it, without me even knowing about it, do you expect me to pay for it????

I have had a fantastic relationship with ICICI in the last 4 years on all fronts. This has been the first time i have faced such an issue with your bank. I have 3 different loans with your bank and have never missed a single EMI. I have ensured that my credit history with CIBIL remains excellent. But due to this fraudulent behavior on your part, my history is about to be ruined.

I would need to escalate this matter to higher management in Amdocs if a resolution is not provided. There is also a survey going on in Amdocs these days, for getting details about the way CORPORATE customers are entertained in ICICI.

I request you to please take this matter on high priority and get me a resolution ASAP.

I am extremely dissatisfied with the service ICICI has provided me this time round.

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Regards,
Vaibhav.

Hi Vaibhav,

We are sorry for the inconvenience caused. Please write in to us with your contact details on care@icicibank.com and refer "553141" in the subject line. We will get back to you at the earliest to resolve the issue.

Regards,
ICICI Bank Customer Service Team.

ICICI bank team,

Please let all people know when this issue is resolved. Sending Credit Cards on some different address without any proof is happening commonplace with your bank.

Vaibhav @ please keep updating with your interaction with ICICI bank.

Thanks,
Vikram.

Originally Posted by ICICIBankCare

Hi Vaibhav,

We are sorry for the inconvenience caused. Please write in to us with your contact details on care@icicibank.com and refer "553141" in the subject line. We will get back to you at the earliest to resolve the issue.

Regards,
ICICI Bank Customer Service Team.