Dear Concern,
This refers to the transactions against the credit card no. 4477477028642003 put against my name as per ICICI records amounting Rs.2, 01, 000/-. Surprisingly, I've not made such transactions using this card (even cannot recollect receiving or using this card as this is dated way back in Jan) and have neither received any transaction statements for this card. I only came across to know about huge outstandings on this card when I enquired the details of my outstandings from CIBIL on 15th April when I applied for Home Loan. I've also come to know while I cross-checked telephonically with ICICI customer care that there were transactions made using this care on June in Delhi when I'm have already shifted to Chennai in April.
I strongly suspect a fraud here and had made multiple calls to understand the details, but never received any cooperation from ICICI on this, rather only counter-charge against me arrogantly without providing me any concrete details.
I've several queries which are still unanswered by ICICI.
1. Details of all withdrawals made against this card - From which location, Transaction details & date, starting from first date of transaction till date. I've never used this card for any such transactions amounting to the outstandings neither I'm in possession of the card.
2. When I contacted ICICI customer care, I came to know that an amount of Rs.25, 000/- was withdrawn from ICICI ATM on 10 June when the outstanding was already more than Rs.1.5 lakhs. Till date, I have never received any call or statement from ICICI, only I came to know this proactively with CIBIL. If such an amount was outstanding, why further transactions were allowed through this card without the person being contacted, particularly when such irregular transactions were going on.
3. Further, I came to know on Apr 15 that a cheque (No. 229060 dtd. 7- Feb) amounting Rs.8, 000/- for credit card payment was submitted to the bank which got bounced. But there are no records of from which bank the cheque was submitted so that this can be tracked.
4. Has there been any other payment made to ICICI for this card - If yes, the payment details, mode, bank details (if cheque was issued) so that this can be tracked - no answer received till now.
I request your concern to take up this matter strongly with ICICI to get the actual facts so that my name does not reflect as a defaulter. For so many years, there was no single correspondence from ICICI on this, neither are the details provided, no control action taken when such irregular transactions were going on without payment against my name. Now, when I proactively contacted them giving my details, they are resorting to counter-charges & threatenings.
Thanking you.
Best Regards,
(SUJOY KUMAR HORE)
Mob: 9600003725
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