Complaint Details

Status	:	Closed
Complaint No	:	0043167/2015
Category	:	Credit Card
Date	:	03-03-2015
Subject Line	:	ICICI BANK CREDIT CARD UN-AUTHORIZED PAYMENT REF : SR355399135/SR356527213
Complainant	:	Deepak Kadam
Address	:	3 Panchratna Apts, 206 Ghorpade Peth
Complainee	:	ICICI Bank
Address	:	Race Course Circle, Alkapuri

Complaint Details
On 22/01/15 I have received a mobile call stating calling from ICICI Bank for up-gradation of my credit card and asked me the information related to the card. Immediately after some time I have received email as well as sms for a transaction of Rs.4870/-to AIRTEL was done (11.35 am) from my ICICI Bank Credit Card. With- in couple of seconds (11.44 am) I have informed the ICICI Bank Customer Care for this un-authorized transaction and instructed to HOLD the transaction (verify the recording of my conversation for about 20 minutes). But ICICI Bank without holding the payment asked me to contact AIRTEL to reject the payment. I have contacted AIRTEL but they denied the same instead asked me to ask ICICI Bank to charge back or reverse. Mean time, the payment was processed and ICICI Bank is now demanding me the payment.

An amount of Rs.4870/- is unnecessarily debited to my ICICI Bank Credit Card in spite of my instructions to hold the same. I have already followed up the matter with ICICI Bank Senior Management (Deepak Kacha, Senior Management Desk/ email add-senior.management@icicibank.com) through e-mails and the matter is still pending. Instead of hearing my HOLD the Payment instructions the bank is stating this is not possible as per Banking Rules. I am surprised, the Banking Rules are for Customer's safe or for the Fraud Makers convenience. As due date for the payment is approaching I request the fast action in this regard from your honour.

The cell No +919599373457 and +919211709951 are used for this transaction and these are from Delhi.
And the IP Address used is 27.60.72.78 is of AIRTEL Delhi. I have informed to ICICI Bank for proper surveillance for the same, but no response from them. ICICI Bank is showing a time consuming attitude by prolonging the matter every time.

As I am a Handicapped Person, Age 58 years and cannot move around, please help me to have justice in this matter. If, required I will submit Copies of my all e-mails follow-up with ICICI Bank as well as AIRTEL.

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