ICICI BANK IS THE BIGGEST FRAUD BANK WHO ENCOURAGES FRADAULENT TRANSACTIONS FIRST, THEN ASKING FOR PAYMENT FOR THOSE TRANSACTION.
On 20th Sept. while checking my online Salary account with ICICI Bank, I found that my Salary account has been blocked & due to this reason I could not withdraw any amount from my account. Then I immediately went to nearest branch of ICICI Bank in ICICI Bank for finding out the reason for such action.
Upon enquiring, it was informed to me that this blocking was done due to outstanding amount against Credit Card purchase done for Rs. 179166/-. They refused to part with any other information & advised me to visit Credit Card Division at Jaipur for finding out details of such transactions.
In ICICI Bank Credit Card Division, Jaipur, I was informed me that a Credit Card No. 4076590513891003 was delivered to me in Aug. 2006 at Malviya Nagar Address & delivery of the same was taken by Ankit, who had identified himself as my Son. On my further enquiry that Credit Card delivery is made only after taking the Identity proof of the person who is taking the delivery, ICICI bank refused to share any of the details with me like identity of person who had taken the delivery i.e. Copy of his Identity Document which shows his name along with Father’s name also.
Once this anomaly was brought to the notice of the bank thru email i.e. [email protected], on 12th Oct. I received a apology mail from Mr. Sanjay Bhave, Office of Head Customer Service, ICICI Bank Ltd., that the lien marked on my Bank account have been removed & he apologized for the inconvenience caused.
At that time I thought that the matter is closed & brought to its logical conclusion.
But I was surprised to receive a letter again from ICICI Bank on 10th Feb. that as per their RCU investigation of the facts as stated by me, it is confirmed that Credit Card No. 4076590513891003 was delivered to my address thru Express IT Courier vide AWB No. 831890673 on 2nd Aug. 2006 & credit card was received by my Son, Mr. Ankit Sekhon, by providing his Driving License 26683319-P03062005458329. Letter further states that our investigation of the facts has confirmed that the transactions took place on my Credit Card. Hence, I’m liable to pay this outstanding amount at the earliest.
Further, despite many requests ICICI bank is not providing any documentary proof of investigation along with Copy of Driving License which was provided by receiver of Card as Identity proof.
Here I want to clarify further that at the time of delivery of Credit Card i.e. 2nd Aug. the actual age of my son was only 1 yr., they how could he provide his driving license as proof even when he was minor at that time.
Bank is maintaining a deafening silence on such question & refusing to move from their position. Yesterday, I got a call from some lawyer in Delhi that unless I paid up the outstanding amount, Bank will move forward for legal proceeding against me.
One thing is very clear that either ICICI Bank doesn’t want to own up the mistake committed on their part of some officials of ICICI Bank are party to this fraud & benefitting from this fraud. This can be further cemented by fact that till date they have not provided any documentary proof that Mr. Ankit Sekhon is my Son & his driving License also carries my name as his father.
As far as my Credit history is concerned, till date i have never ever defaulted on any of my Loans. Currently, I have a Car Loan of Rs. 300000/- going on at ICICI Bank but there have not been any single instance of any default. Why would I default on smaller amount which is half of my current load.
Never in my life i have seen a worst bank than ICICI Bank & vowed that after solving this problem, I will never ever deal with Bank & also asked my employer to change Salary Account to some other bank but not any other Bank. My employer had also confirmed that they have already started to negotiate with other Banks for benefits & previlages to be offered to all employees.
Now I have no other option left but to approach consumer court & ask for the compensation for mental agony & cost of legal proceeding.
Pritpal Sekhon
[email protected]
0 comments