[Resolved]  Manoj Kumar Gupta — Fraud in icici debit card

Address: New Delhi, Delhi, 110059

Dear sir/madam,

Myself manoj kumar gupta have been cheated through my icici debit card and when i made complained to the concerning department they refused to refund the amount and they only confirm that this was card holder mistake.

Please find here below my complete correspondence with bank for your record and necessary action:

From:
"milan yadav" | add to address book |this is spam

To: "[protected]@rediffmail.Com"
Subject: re: 'icicicare=[protected]' icici bank ltd.
Date: wed, 10 aug 2016 19:32:15 ist
Dear mr. Gupta,

This is with reference to you e-mail dated august 4, 2016, and our telephonic conversation dated august 10, 2016.

Based on your complaint, we have investigated the matter. We note that the 3 transaction of amount rs. 2, 500.00 dated july 25, 2015 had undergone 2nd level authentication with 3d secure pin, specifically built in for online transactions done through merchant websites. It may be noted that apart from the card verification value (Cvv) & expiry date on your credit card, your personal 06 digit 3d secure pin was also required for effecting the said transaction.

We would like to inform you, that the 3d secure pin is purely personal and privy 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 said transaction was 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.

Further, we would like to inform you that the internet based transaction is settled online and therefore, the transaction cannot be cancelled at our end. We, therefore regret to inform you that the bank will not be able to accede to your claim with regard to the disputed transaction. Below are the ip details of the transactions for your perusal.

Cardholder ip address amount merchant name
106.219.28.174 2500 mpesa
106.219.28.174 2500 mpesa
106.219.28.174 2500 mpesa

We request you to take up the matter with the law enforcement authorities for redressal. We assure you that we shall extend our support to the law investigation authorities.

Thank you for writing to us.

Sincerely,

Milan yadav
Senior management desk

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorized access to your account.
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From: manoj gupta [mailto:[protected]@gmail.Com]
Sent: 4 august 2016 12:59
To: chanda kochhar /corp/ibank/bkc
Cc: manoj gupta
Subject: icici debit card misuse

Dear sir,

I am writing to draw your attention on the misuse of my icici debit card on 23 july 2016. Though i have already lodged complaint on phone banking as well as gone to the branch where i hold my savings account and filed up the ‘card dispute form’, but unfortunately it has not been resolved.

For your reference i am giving the detailed account of the incident as it happened. I received a call on my mobile from the mobile no [protected] at 15.18 pm and caller identified himself as nagender sharma from icici bank. He told me that he is calling with regard to the debit of rs.5000/- on my card around 3-4 years ago wherein i was trying to withdraw the same from the icici atm at uttam nagar. At that time the amount was debited from my account but i didn’t get the money from the atm due to some technical error. And this incident too was never resolved despite my repeated visit to the branch.

Now this person contacted me with all my personal details available with the bank i. E. My full name, home address, my date of birth, my old debit card number which convinced that he indeed is calling from the bank is right person and has contacted me to solve a long overdue issue for which i had lost any hope. He said that earlier debit was done due to some portal error at icici bank and he would need my new debit card details with cvv number. Though i was convinced that he is the employee of icici bank who not only has my information available with him but also is aware of my complaint and i am finally getting help from the bank to solve the same, i still was hesitant to give him my card information. To which he said that i am required to give him only the card cvv no and not the pin so that he can check and work on resolving my complaint. When i gave him details, he informed me that i should share the confirmation number received on my mobile to proceed further. After sharing the confirmation number, i got the message that there is a debit of rs.2500/- from my account. When i asked him how this has happened, he said that as he is working on the system, i am getting confirmation of some old transactions again. But when there were further 2 more debits of rs.2500/- each, i confronted him that he is cheating me. Now he told me that again there is some technical problem with the icici portal and i will get the credit back in to my account on monday, 25th july 2016. But i was suspicious and to save myself from any further loss, i transferred the entire balance of my account to my daughter’s account.

I then called customer care and shared the incident with them, got my card blocked. My sr no for the same is[protected]. I was informed that icici bank vigilance team would look into this and take action. On monday 25th july i went to the bhikaji cama place branch and filled up the card dispute form as advised by the vigilance team on phone banking. On 30th july 2016 i received a message that the dispute of rs.7500/- has been declined as the transaction has been authenticated with a 3d secure pin.

This is totally unacceptable as it is absolutely not possible that any one but a bank’s employee would have the details which this person had and there was no way any outsider would know the details of my earlier disputed transaction with the bank unless bank choses to share the same. Had that person just called up with my personal information and asked for the information, i would have never shared anything with him and above all i never shared my atm pin.

I would appreciate if you could intervene and have both these incidents resolved at the earliest.

Thanking you


Manoj kumar gupta
Mob:[protected]