(FOUL PLAY} UNAUTHORIZED/TREATED INTERNET TRANSACTION DISPUTES/REFUNDS.
COPY TO:
Cyber Crime Investigation Cell is located at :
Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
D.N.Road,
Mumbai - 40001
Email: [email protected]
Tel: 91 - 022 - 24691233
&&&&&&&&&&&&--
BY ICICI BANK--
&&&&-
Dear Mr. Bobade,
We acknowledge receipt of your e-mail of August 19 addressed to Head
Service Quality regarding your ICICI Bank Credit Card.
We reiterate that the 3 disputed transactions as confirmed from our records,
has been effected on your subject Card. We would like to clarify, that the
above transactions have undergone a 3D Secure Authentication, which is a
second level authentication specifically built in for online transactions
done through Merchant Websites. It may be noted, that apart from the Card
Verification Value (CVV) and Expiry date on your Credit Card, your personal 6
digit 3D Secure PIN was also required for effecting the said transactions.
The 3D Secure PIN is purely personal and privacy to the customer and would
not be known to anybody, unless compromised otherwise. The Card holder is
responsible for the security of his/her Card along with his/her personal 3D
Secure PIN and should therefore take all possible steps towards ensuring the
safe-keeping thereof. The Bank does not incur any financial liability arising
out of the misuse thereof by unauthorized persons.
We confirm, that the transactions were allowed as the system is CVV, Expiry
Date and 3D PIN specific and not person specific. We reiterate, that as the
transactions were qualified by information strictly personal to you, the Bank
is therefore precluded as per industry guidelines to repudiate the
transaction with the Merchant on the basis of your dispute.
We therefore regret to inform you, that the Bank will not be able to accede
to your claims with regard to the disputed transaction.
We request you to take up the issue with the merchant and if no resolution is
given, please take assistance of cyber crime police for further verification
and recovery of the disputed amount.
In view of the reasons cited above, we advise you to meet this explanation
with reason and acceptance.
We affirm that ICICI Bank at all times acts with diligence, in good faith,
and in no manner prejudicial to the interests of its customers.
We have attached the supporting documents for your reference.
The outstanding balance due on your ICICI Bank Credit Card 5176 xxxx xxxx
6003 is Rs. 38, 346.46 as on August 20.
We request you to make the payment of the outstanding balance on your credit
card account to avoid levy of financial charges.
We hope you would meet the above explanation with understanding and
acceptance.
Sincerely,
Arunjyothi E
Office of Head Service Quality
CONFIDENTIALITY INFORMATION AND DISCLAIMER
&&&&&&&&&&&&&-
TO,
Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
D.N.Road,
Mumbai - 400001 .
DATE:07/08.
SUBJECT: (FOUL PLAY} UNAUTHORIZED INTERNET TRANSACTION DISPUTES/REFUNDS. AT
YOUR DOOR FOR HELP, RESOLUTIONS AND REVOCATIONS (MODIFIED).[ LAUNCH OF FIR ].
&&&&&--
TO,
CBI MUMBAI, CID MUMBAI, RTI (INDIA).
DATE:21/04.
DEAR SIR/MADAM,
SINCE THE ISSUE/DISPUTE IS HOT SUSPICIOUS AND HIGHLY DOUBT/DANGEROUS, IT IS
FORWARDED TO COMPETITIVE AUTHORITY FOR INSTANT INFORMATION, RECORD AND URGENT
DESIRED ACTION IN THIS REGARD FOR FURTHER SOLUTION.
THANKING YOU.
NICE TO WRITE YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE.
COPY ATTACHED BELOW .
&&&&&
NOTE: SET 4, ITEM NO 10 MODIFIED.
&&&&&&&-
SET:1
TO,
ICICI BANK LTD, INDIA.
CUSTOMER CARE,
CARD CARE.
DATE- 28/JULY.
SUBJECT: UNAUTHORIZED/THREATED INTERNET TRANSACTION DISPUTES/REFUNDS.
ENTRY REFLECTED ON 24 JULY 10:
20/04 OXIGEN INFOVISION PVT, MUMBAI 5000.00
>20/04 TRAVELBOUTIQUE ONLINE-, MUMBAI 8461.00
>20/04 TRAVELBOUTIQUE ONLINE-, MUMBAI 16148.00
THIS IS FOR YOUR KIND INFORMATION, RECORDS.
THIS IS FORWARDED FOR SOLUTIONS/RESOLUTIONS AND REVOCATIONS.
YOURS FAITHFULLY,
RAMESH K BOBADE.
&&&&&&&&-
TO,
ICICI BANK INDIA LTD,
ICICI CARD CARE,
MUMBAI.
ALL CONERNED.
DATE: 16/07
20/0710
SUBJECT: AN APPEAL TO ICICI CARD CARE.
DEAR SIR/MADAM,
WITH REFERENCE TO SAID INTERNET TRANSACTION DISPUTES.
(1) ICICI CARD SYSTEM IS EASILY RETRIEVABLE AND MERCHANTS MIGHT USE CAMERA
ENVIRONMENT.
(2) AND HENCE THE DANGER FOR MISS-USE OF DATA IS HIGH.
(3) SO THE BEARER OH SERVICE ISSUER/SERVICE PROVIDER SHOULD ACT AS
BENEFICIARY FOR THE SAID SERVICE SOLD AND PAYMENT RECEIVED FOR.THIRD PART
DEALS AND THREATS SHOULD BE TAKEN ON IF BROUGHT FORWARD AS DISPUTES.
(4) SINCE THE INFORMATION COULD BE EASILY OBTAINED, ICICI CARD CARE SHOULD
PROVIDE BETTER SUPPORT IN CASE DISPUTE RAISED FOR MISS USE OF CARD.
ICICI CARD HOLDS BEST SERVICE CENTER, IT MUST ASSURE BEST SUPPORT IF IT
BRINGS
TO ITS HELP COUNTER DESK AS DISPUTES.
(5) CASE IS TOTALLY UNDER ICICI CARDS JURISDICTION
(6) THREAT ATTEMPTED ON 20 APRIL FOR THE SAID ISSUE IS REPORTED CARD
CARE
ON SAME DAY WITHIN FIVE-SIX HOURS.
(7) AND REFUND SLIPS SHOULD BE ORDERED FOR, INFORMED TO ICICI CARD CARE.
(8) SINCE IT IS CREDIT ISSUE AND SUPPORTS MY SAVINGS, IT IS HUMBLY REQUESTED
TO
RELEASE MY BLOCKED CREDIT LIMIT.
(9) AGAIN I HUMBLY REQUEST ICICI CARD CARE FOR SOLUTIONS AND REVOCATIONS.
(10) I ENSURE MY ALERTNESS IN FUTURE AND LEARNT POLICY ISSUES INCLUDING CARD
PROTECTION.
ALSO I REQUEST CARD CARE TO BRING SUCH ISSUE ON FRONT FOR BETTER
UNDERSTANDING OF ITS CUSTOMERS.
THANKING YOU/ NICE TO WRITE YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE.
&&&&&&&&&
CHECKLIST:
(REPRESENTATION)
(1)
THREAT ATTEMPTED ON 20 APRIL BY MOBILE PHONE, THE DEFAULT SAID NUMBER
REPORTED TO CARE.
(2)
IN THE SAID CASE INVESTIGATION TEAM HAD TO VERIFY THE CONTENT.
THE DATA STOLEN PERSON COULD BE TRACED EASILY.THE NEXT JOB REMAIN FOR
WHOM SERVICE PURCHASED ACTUALLY AND DELIVERED FOR, BY MERCHANT.(SERVICES
DEMANDED FOR)
(3) ALSO I INFORMED/INSTRUCTED TO THE BANK FOR THE ARRANGEMENT OF STOP
PAYMENT OPERATIONS. OR AND IF THE REFUND SLIPS SHOULD BE ORDERED IF PAYMENT
PROCESSED.
(4) YOU REMAIN ONLY HELP AUTHORITY IF THE ENTIRE ISSUE IS DECLARED AS THREAT
ATTEMPT/DISPUTE ISSUES. YOU COULD BE ABLE TO FIX LIABILITY FOR PAYMENT IN THE
BENEFIT OF CARD MEMBER.
&&&
TO,
ICICI BANK LTD, INDIA.
ICICI CREDIT CARDS,
CUSTOMER CARE.
MUMBAI-INDIA
DATE:
08/07.
SUBJECT: YOUR LETTER DATED 5/07/10, SENT THROUGH BLUE DART COURIER RECEIVED
ON 07/07/10.AWB NO 44064540973, REF:015060710.
REFERENCE: QUERIED TRANSACTION PERTAINS TO CARD NO: 5176 5337 3057 6003.
DEAR SIR /MADAM, (CUSTOMER CARE OFFICER)
&&--
NAME OF MERCHANT: M/S PAYPAL *PEOPLE NTK
DATE: 20/04/10.
AMOUNT: RS 37.26
THE ABOVE TRANSACTION IS DECLARED AS DISPUTE./THE ABOVE TRANSACTION IS
STILL DISPUTED BY ME.
&&--
THIS IS FOR YOUR KIND INFORMATION, RECORDS.
THIS IS FORWARDED FOR SOLUTIONS AND REVOCATIONS.
THANKING YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE.
&&&&&&&&&&&&&&
SET:2
&&&&&&&&&&&&&&&&
SUBJECT: THIRD PARTY NOT UNIDENTIFIED, ENTERED INTO MY PRIVACY AND SECURE AREA
OF CREDIT
CARD ACCOUNT, INQUIRED SENSITIVE DATA BEING SERVICE ISSUE CALL TO BE
CONFIRMING, AND
PURCHASED SERVICES ONLINE FOR DELIVERY FOR THEIR USE AT THEIR COUNTER.
&&&&&&&&&&&&&&&&-
DATE:05/07.
MONDAY- (SOMWAR).
DEAR SIR/MADAM,
THIS IS IN REFERENCE TO,
(1) ON 02/07/10, INTERIM CHARGE BACK DEBIT ENTRY RS 1657.51 (DR)
(2) ICICI CREDIT CARD NO:5176 5337 3057 6003 (BLOCKED)
&-
ISSUE IS AGAIN BROUGHT TO "ICICI CREDIT CARDS".
DECLARATION :
(a) SERVICES ARE NOT PURCHASED BY ME NOR THE DELIVERY FOUND TO ME FOR MY
PERSONAL OR FAMILY OR OFFICIAL USE.
(b) SO THE PAYMENT I CANNOT AFFORD FOR UN-NECESSARY USE.
(c) ALL REPORTING DONE TO ICICI BANK CUSTOMER CARE WITHIN 8-9 HOURS.
ON THE SAME DAY 20/04/10 AND CUSTOMER CARE ASKED FOR HELP.
(d) MERCHANT'S COUNTER ARE OUT OF MY REACH AND NON TRACEABLE SINCE LACK OF
ABILITY.
(e) SUSPICIOUS CALL DONE TO MY MOBILE PHONE WAS INSISTING SHE/HE WERE ICICI
OFFICER AND
CALL WAS SERVICE ISSUE CONFIRMING CARD DETAILS.
SHE/HE ASKED ME FOR THE SENSITIVE INFORMATION.
SERVICES PURCHASED BY SHE/HE, DELIVERED AT THEIR PREMISES, AND HENCE THEY ARE
LIABLE FOR
THE ENTIRE/WHOLE PAYMENT FOR THE DISPUTE RAISED.
(f) I AM NO WAY FAMILIAR TO THE PERSON WHO INQUIRED THIS ATTEMPT. AND IN GOOD
FAITH I
TALKED TO THE CALLER BEING SHE/HE WAS ICICI OFFICERS.
(g) THIS IS FOR YOUR KIND INFORMATION AND URGENT NECESSARY ACTION.
&-
(I) I, RAMESH K BOBADE, HUMBLY REQUEST ICICI BANK TAKE NOTE OF REQUEST TO
RELEASE THE
BLOCKED CARD LIMIT.AND HOLD THEM RESPONSIBLE TO COMMIT CRIME SUCH TO ASK
, BEING DARED,
SENSITIVE INFORMATION BY INSISTING COMPETENT AUTHORITY TO DEAL.
THAT'S ALL.
(II) ADVISE ME FOR MY CO-OPERATION WITH OFFICERS, DEALING THIS ENTIRE ISSUE FOR
RESOLUTIONS AND REVOCATIONS ON FAIR-GOOD-USE POLICY NORMS. ALSO ADVISE ME TO
CONTACT HIGH
LEVEL OFFICERS WHO SOLVED SUCH TYPES OF DISPUTE CASES EARLIER.
(III) I WILL PURELY CO-OPERATE WITH YOU SINCE IT SUPPORTS MY SAVINGS AND
CREDIT ISSUE.
&--
THANKING YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE
&&&&&&&&&&&&&&&&&&&&&&&&--
29 APRIL.
DEAR SIR/MADAM,
AS PER YOUR INSTRUCTION SCANNED COPY OF DISPUTE FORM FORWARDED FOR FURTHER
SOLUTION.
YOURS FAITHFULLY,
RAMESH K BOBADE
&&&&&&&&&&&&&&&&&&&&&&&&--
On Tue, 27 Apr 20:40:49 0530 wrote
>
Dear Customer,
>
>We refer toour earlier e-mail of April 21 regarding your ICICI Bank
Credit Card
Account 5176 xxxx xxxx 6003.
We have attached the CardMember Dispute Form (CDF).
Sincerely,
D. Sri Lalitha
Office of Head Service Quality
CONFIDENTIALITY INFORMATION AND DISCLAIMER
"
&&&&&&&&&&&&&&&&
SET:3
TO,
ICICI BANK LTD. MUMBAI, INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE, CUSTOMER RELATION MANAGER,
[email protected], [email protected], headcustomer.care@icic
ibank.com,
[email protected].
COPY TO: [email protected]
DATE:24 APRIL.
DEAR SIR/MADAM,
PLEASE SEE COPY ATTACHED PREVIOUS EMAIL.
(1) BY CREDIT CARD COMPANY FOLLOWING ENTRY REFLECTED, READ ON 24 APRIL
1.06PM BY
EMAIL:
20/04 5000 OXICASH-BILLDESK,
20/04 8461 TRAVELBOUTIQUE ONLINE-
20/04 16148 TRAVELBOUTIQUE ONLINE
20/04 $1 PAYPAL,
20/04 1657.51 PAYPAL *PEOPLE NTK
(2) PLEASE BILL THE AMOUNT COMPULSORY FOR THE ABOVE ENTRY TO WHOM SERVICE
DELIVERED.
ALL THIS DUES SHOULD BE RECOVERED FROM THEIR ACCOUNT IDENTIFIED FOR DELIVERY,
AVAILABLE
BY MERCHANT, THEY MISS-USED MY CARD DATA
AND PURCHASED ABOVE SERVICES.
(3) ALL MERCHANT INVOLVED SHOULD BE NOTIFIED.
(4) MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.
THIS IS FOR YOUR KIND INFORMATION AND FURTHER NECESSARY/DESIRED ACTION.
NICE TO WRITE YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE.
&&&&&&&&&&&&&&&&&&&&&&&-
SET:4
TO,
ICICI BANK LTD. MUMBAI, INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE, CUSTOMER RELATION MANAGER,
[email protected], [email protected], headcustomer.care@icic
ibank.com.
COPY TO: [email protected]
DATE: 20/04, (TUESDAY) 7.30PM ONWARDS.
SUBJECT: DISPUTE LETTER.
DEAR SIR/MADAM,
(1) CARD HOLDER NAME: RAMESH KASHINATH BOBADE.
(2) ICICI CREDIT CARD NO:5176 5337 3057 6003.(MASTER CARD)(HP LOGO)
ADD ON CARD: 5239 5100 1158 2004.
(3) PLEASE BLOCK MY CARD.(YOU ARE ALREADY BLOCKED MY CR CARD)
(4) PLEASE RESTORE MY EXISTING RELATIONSHIP WITH BILL PAY WITH (i) MTNL GARUDA
AND
(ii) MAHADISCOM ELECTRICITY.
(5) SUSPICIOUS CALL ATTENDED/REPORTED BY 2.52PM 20TH APRIL REGARDING
REGISTER FOR
3DSECURE. THIS FAULTY MOBILE PHONE NO WAS
O9579056784.
(6) AND SAME WAS REPORTED TO ICICI CUSTOMER CARE BY 2.58PM. AND ASKED THEM TO
CHANGE
TPIN.
(7) CALL WAS RECEIVED AGAIN FROM O9579056784 BY 3.08PM INQUIRING WHETHER I
RECEIVED SMS.
(7) SMS RECEIVED BY RM-ICICIBNK BY 2.44PM INFORMING ONE TIME PASSWORD.
(8) CALL WAS RECEIVED AGAIN FROM O9579056784 BY 3.08PM INQUIRING WHETHER I
RECEIVED SMS.
AND ASKED TO CONFIRM FOR FURTHER PROCESS OF REQUEST.
(9) BY 7.36PM I TOLD THE CUSTOMER CARE EXECUTIVE REGARDING NON LOG IN TO 3D
SECURE, SO
THE EXECUTIVE TOLD SOME TRANSACTION WERE REPORTED .ASKED THEM TO BLOCK THE
CARD.EXECUTIVE ASKED TO WRITE DISPUTE LETTER.
(10) LAUNCH POLICE/COMPLIANT-COMPETITIVE AUTHORITY/AGENT COMPLAINT ON BEHALF
OF (i) ME, (ii) ICICI BANK, AND (iii) MERCHANT INVOLVED (iv) MASTERCARD.
(11) CALL REPORTED TO ICICI BANK IS AVAILABLE TO ITS RECORD.
(12) BY 3.18PM RM-ICICIBNK REPORTED SMS IF THIS WAS NOT REQUESTED BY YOU TO
CALL CUSTOMER
CARE FOR ASSISTANCE.
(13) TILL 7.30PM NO TRANSACTION REFLECTED ON INTERNET BANKING USER ID-LINKING
CREDIT
CARD.
(14) STOP PAYMENT, STOP DELIVERY, REPORT MERCHANT, ISSUE ARREST WARRANT FOR MISS
USE OF MY
CARD DADA.
(15) ICICI FAX NO RECEIVED- 022 66466683
(16) MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.
(17) MY MOBILE PHONE WAS DISCONNECTED SINCE LOW BATTERY AND COLLECTING INFO TO
REPORT TO
EXECUTIVE.
(NOTE: PERSON TRIED CALL BY MOBILE PHONE NO: O9579056784 WAS TALKING IN FAST
HINDI-ENGLISH NOT CLEAR VOICE.
SHE TOLD SHE WAS ICICI BANK OFFICER AND CALL WAS SERVICE ISSUE FOR CONFIRMING
CARD
DETAIL, SHE INSISTED LIMIT INCREASED BY AND
ADD ON CARD BLOCKED)
THIS IS FOR YOUR INFORMATION AND FURTHER NECESSARY ACTION AND RECORDS.
NICE TO WRITE YOU/THANKING YOU FOR HAVING ME OPPORTUNITY TO WRITE YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE.
(ICICI BANK CUSTOMER)
MOBILE PHONE :000919323356493. RESIDENCE: 022 22901332. ALTERNATE MOBILE
PHONE:
&&&&&&&&&&&&&&
COPY TO:
STATUS-SENT SEPARATELY.
--
[email protected],
&
[email protected], [email protected],
[email protected], [email protected],
[email protected], [email protected],
[email protected], [email protected],
[email protected], [email protected], [email protected],
[email protected], [email protected], [email protected],
[email protected], [email protected],
&
[email protected], [email protected],
[email protected]
&&&&&
TO,
(1) CARD CARE,
ICICI BANK LTD.
(2) OXYCASH- MERCHANT.
(3) TRAVEL BOUTIQUE ONLINE- MERCHANT.
DATE:22 AUGUST (SUNDAY).
DEAR SIR/MADAM,
PLEASE PROCESS REFUNDS AND SETTLEMENT.
I HAD NON RECEIPT OF DELIVERY.
SOMEBODY USED MY CARD ACCOUNT IN FRAUDULENT WAY (FOUL PLAY).
[PLEASE PROCESS RECOVERY OF PAYMENT FROM DEFAULT CLIENT TO WHOM ACTUALLY
SERVICE DELIVERED BY MERCHANT.]
PLEASE HELP.
YOURS SINCERELY,
RAMESH K.B.
&
SET:3
TO,
ICICI BANK LTD. MUMBAI, INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE, CUSTOMER RELATION MANAGER,
[email protected], [email protected], headcustomer.care@icic
ibank.com,
[email protected].
COPY TO: [email protected]
DATE:24 APRIL.
DEAR SIR/MADAM,
PLEASE SEE COPY ATTACHED PREVIOUS EMAIL.
(1) BY CREDIT CARD COMPANY FOLLOWING ENTRY REFLECTED, READ ON 24 APRIL
1.06PM BY
EMAIL:
20/04 5000 OXICASH-BILLDESK,
20/04 8461 TRAVELBOUTIQUE ONLINE-
20/04 16148 TRAVELBOUTIQUE ONLINE
20/04 $1 PAYPAL,
20/04 1657.51 PAYPAL *PEOPLE NTK
IN DETAIL:
20/04 $1 PAYPAL
20/04 85326960110015362834739 PAYPAL *PEOPLE NTK 1, 657.51
20/04 75425310110650107800139 OXIGEN INFOVISION PVT 5, 000.00
20/04 75425310116690140900029 TRAVELBOUTIQUE ONLINE- 16, 148.00
20/04 75425310116690140900011 TRAVELBOUTIQUE ONLINE- 8, 461.00
(2) PLEASE BILL THE AMOUNT COMPULSORY FOR THE ABOVE ENTRY TO WHOM SERVICE
DELIVERED.
ALL THIS DUES SHOULD BE RECOVERED FROM THEIR ACCOUNT IDENTIFIED FOR DELIVERY,
AVAILABLE
BY MERCHANT, THEY MISS-USED MY CARD DATA
AND PURCHASED ABOVE SERVICES.
(3) ALL MERCHANT INVOLVED SHOULD BE NOTIFIED.
(4) MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.
THIS IS FOR YOUR KIND INFORMATION AND FURTHER NECESSARY/DESIRED ACTION.
NICE TO WRITE YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE.
&-
On Fri, 20 Aug 20:49:59 0530 wrote
>
Dear Mr. Bobade,
We acknowledge receipt of your e-mail ofAugust 19 addressed toHead
Service Qualityregardingyour ICICI Bank Credit Card.
We reiterate that the 3 disputed transactions as confirmed from our records,
has been effected on your subject Card. We would like to clarify, that the
above transactions have undergone a 3D Secure Authentication, which is a
second level authentication specifically built in for online transactions
done through Merchant Websites. It may be noted, that apart from the Card
Verification Value (CVV) and Expiry date on your Credit Card, your personal 6
digit 3D Secure PIN was also required for effecting the said transactions.
The 3D Secure PIN is purely personal and privacy to the customer and would
not be known to anybody, unless compromised otherwise. The Card holder is
responsible for the security of his/her Card along with his/her personal 3D
Secure PIN and should therefore take all possible steps towards ensuring the
safe-keeping thereof. The Bank does not incur any financial liability arising
out of the misuse thereof by unauthorized persons.
We confirm, that the transactions were allowed as the system is CVV, Expiry
Date and 3D PIN specific and not person specific. We reiterate, that as the
transactions were qualified by information strictly personal to you, the Bank
is therefore precluded as per industry guidelines to repudiate the
transaction with the Merchant on the basis of your dispute.
We therefore regret to inform you, that the Bank will not be able to accede
to your claims with regard to the disputed transaction.
We request you to takeup the issue with the merchant and if noresolution is
given, pleasetake assistance of cyber crime policefor furtherverification and
recovery of the disputed amount.
In view of the reasons cited above, we advise you to meet this explanation
with reason and acceptance.
We affirm that ICICI Bank at all times acts with diligence, in good faith,
and in no manner prejudicial to the interests of its customers.
We have attached thesupporting documents for your reference.
The outstanding balance due on your ICICI Bank Credit Card5176 xxxx xxxx6003
is Rs. 38, 346.46as onAugust 20.
We request you to make the payment of the outstanding balance on your credit
card accountto avoid levy offinancial charges.
We hope you would meet the above explanation with understanding and
acceptance.
Sincerely,
Arunjyothi E
Office ofHead 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.
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