Go Back   Team-BHP > Around the Corner > Shifting gears


Reply
 
Thread Tools Search this Thread
Old 7th February 2010, 15:10   #1
Senior - BHPian
 
sushrutha's Avatar
 
Join Date: Mar 2006
Location: Chikmagalur/Ban
Posts: 1,702
Thanked: 322 Times
Default Fraud/Hoax call received under the preText of ICICI Credit Card

Need an urgent info.
My brother doesn't hold any Credit.
Today afternoon (Sun 7th Feb), my brother got a call from ICICI personnel.
She says my brother hasn't paid his credit card amount.
The pending amount is around 97,000Rs. She even said he has paid the first 2 installments properly.
All the details furnished (address/name/mobile number) was correct.

My bother said he doesn't hold any credit card from ICICI.
She says he has to pay the amount ASAP.

After this we called back the same number to check the authenticity of the number/call.
It's in the name ICICI Bank, Bommanahalli Bangalore.
Now my brother is going to lodge a police complaint against ICICI for this menace.

How do we go ahead with this ?
sushrutha is offline   Reply With Quote
Old 7th February 2010, 15:17   #2
BHPian
 
praJEEP's Avatar
 
Join Date: Aug 2007
Location: Bengaluru
Posts: 537
Thanked: 3 Times
Default

Ask the icici persons to get the photocopy of chargeslips, see if the sign matches with his id (pan or passport) if it doesnt ask them to push off, keep some copies of the chargeslip with you and get a letter confirming the same from the ICICI.
praJEEP is offline   Reply With Quote
Old 7th February 2010, 15:23   #3
Senior - BHPian
 
sushrutha's Avatar
 
Join Date: Mar 2006
Location: Chikmagalur/Ban
Posts: 1,702
Thanked: 322 Times
Default

Quote:
Originally Posted by praJEEP View Post
Ask the icici persons to get the photocopy of chargeslips, see if the sign matches with his id (pan or passport) if it doesnt ask them to push off, keep some copies of the chargeslip with you and get a letter confirming the same from the ICICI.
Thanks praJEEP for the suggestion,
as today being sunday, the said branch is closed from 2pm onwards.
What exactly do you mean by chargeslips ??
sushrutha is offline   Reply With Quote
Old 7th February 2010, 15:25   #4
Senior - BHPian
 
aargee's Avatar
 
Join Date: Jan 2010
Location: KATN
Posts: 4,647
Thanked: 1,956 Times
Default

The bank will have the record of all the transactions being done. Ask them to send you the summary of all the transaction details so as to state, at which date, which merchanise for what amount each transaction have been done.
aargee is offline   Reply With Quote
Old 7th February 2010, 15:30   #5
Senior - BHPian
 
sushrutha's Avatar
 
Join Date: Mar 2006
Location: Chikmagalur/Ban
Posts: 1,702
Thanked: 322 Times
Default

Quote:
Originally Posted by aargee View Post
The bank will have the record of all the transactions being done. Ask them to send you the summary of all the transaction details so as to state, at which date, which merchanise for what amount each transaction have been done.
Thanks aargee,
As of now we will be visiting the Police station to lodge a complaint against this.
sushrutha is offline   Reply With Quote
Old 7th February 2010, 15:37   #6
BHPian
 
praJEEP's Avatar
 
Join Date: Aug 2007
Location: Bengaluru
Posts: 537
Thanked: 3 Times
Default

Quote:
Originally Posted by sushrutha View Post
Thanks praJEEP for the suggestion,
as today being sunday, the said branch is closed from 2pm onwards.
What exactly do you mean by chargeslips ??
After every transaction on your credit card you actually sign a slip thats called "chargeslip" two copies of chargeslip comes for every transaction one is the merchant copy and the other is customer copy, the merchant copy is sent to the concerned bank credit card, the bank verifies and credits the transaction amount to the merchants current a/c number which would be given to the merchant along with the EDC machine.
praJEEP is offline   Reply With Quote
Old 7th February 2010, 15:38   #7
Distinguished - BHPian
 
condor's Avatar
 
Join Date: Jun 2006
Location: Speed-brkr City
Posts: 10,319
Thanked: 3,660 Times
Default

@Shushrutha, what do intend to achieve by filing a complaint at this stage ? And based on what - a phone call ? For what will you file a complaint at this stage ?

Let the bank come back to you with something on paper.
condor is offline   Reply With Quote
Old 7th February 2010, 15:45   #8
Senior - BHPian
 
sushrutha's Avatar
 
Join Date: Mar 2006
Location: Chikmagalur/Ban
Posts: 1,702
Thanked: 322 Times
Default

Quote:
Originally Posted by condor View Post
@Shushrutha, what do intend to achieve by filing a complaint at this stage ? And based on what - a phone call ? For what will you file a complaint at this stage ?

Let the bank come back to you with something on paper.
To a certain extent, say some relief, by lodging a complaint.
Atleast a FIR, saying that we have received a harassing call from so and so number, threatning us to pay the amount ASAP.
sushrutha is offline   Reply With Quote
Old 7th February 2010, 15:57   #9
Senior - BHPian
 
aargee's Avatar
 
Join Date: Jan 2010
Location: KATN
Posts: 4,647
Thanked: 1,956 Times
Default

Quote:
Originally Posted by condor View Post
@Shushrutha, what do intend to achieve by filing a complaint at this stage ? And based on what - a phone call ? For what will you file a complaint at this stage ?
Let the bank come back to you with something on paper.
+1 to that

I'm not sure if police will accept your case. You need to write to ICICI asking for clarification within 10 days. From there on, you need to move it to consumer forum accordingly. Alternatively you can sort this through banking ombudsman who usually does a compromising work. Check out these links that could help you

1. ICICI Bank.com | Cards | RBI Mandate

2. Grievance Redressal - ICICI Bank - Customer Care India

Last edited by aargee : 7th February 2010 at 15:59. Reason: Add more contents
aargee is offline   Reply With Quote
Old 7th February 2010, 16:12   #10
Senior - BHPian
 
sushrutha's Avatar
 
Join Date: Mar 2006
Location: Chikmagalur/Ban
Posts: 1,702
Thanked: 322 Times
Default

Quote:
Originally Posted by aargee View Post
+1 to that

I'm not sure if police will accept your case. You need to write to ICICI asking for clarification within 10 days. From there on, you need to move it to consumer forum accordingly. Alternatively you can sort this through banking ombudsman who usually does a compromising work. Check out these links that could help you

1. ICICI Bank.com | Cards | RBI Mandate

2. Grievance Redressal - ICICI Bank - Customer Care India
Thanks for the links aargee,
I have checked those links.l
I will tell my brother to write/call ICICI customer care and speak to them immediately.


The amount mentioned as default is pretty huge and that's the biggest headache
sushrutha is offline   Reply With Quote
Old 7th February 2010, 16:20   #11
Senior - BHPian
 
aargee's Avatar
 
Join Date: Jan 2010
Location: KATN
Posts: 4,647
Thanked: 1,956 Times
Default

Quote:
Originally Posted by sushrutha View Post
Thanks for the links aargee,
I have checked those links.l
I will tell my brother to write/call ICICI customer care and speak to them immediately.


The amount mentioned as default is pretty huge and that's the biggest headache
Also, when writing to them, mention clearly to block the card & unless the clarification are provided from the to your satisfaction, you will not acknowledge this payment.
aargee is offline   Reply With Quote
Old 7th February 2010, 16:40   #12
Senior - BHPian
 
sushrutha's Avatar
 
Join Date: Mar 2006
Location: Chikmagalur/Ban
Posts: 1,702
Thanked: 322 Times
Default

Quote:
Originally Posted by aargee View Post
you will not acknowledge this payment.
When he doesn't hold the Card itself, the question "Acknowledge the payment" doesn't arise at all.
Anyways will speak with CCE and get back on this
sushrutha is offline   Reply With Quote
Old 7th February 2010, 16:54   #13
Senior - BHPian
 
aargee's Avatar
 
Join Date: Jan 2010
Location: KATN
Posts: 4,647
Thanked: 1,956 Times
Default

Quote:
Originally Posted by sushrutha View Post
When he doesn't hold the Card itself, the question "Acknowledge the payment" doesn't arise at all.
Anyways will speak with CCE and get back on this
Well, what it means here is, "I will not take any actions from my side unless I get a satisfactory response from ICICI". Mark the word, I only said acknowledge & not the real "pay". Both are two different things.
aargee is offline   Reply With Quote
Old 7th February 2010, 17:34   #14
Distinguished - BHPian
 
Sankar's Avatar
 
Join Date: May 2005
Location: Kerala
Posts: 4,556
Thanked: 2,758 Times
Default

Wait a sec! ICICI bank asked sushrutha's brother to pay up Rs.97000/- for a credit card which has not been issued in the first place! He does not have a ICICI bank credit card.
In that case why can't he go to the police or file a lawsuit against ICICI bank at this stage?
Sankar is offline   Reply With Quote
Old 7th February 2010, 17:39   #15
Senior - BHPian
 
NetfreakBombay's Avatar
 
Join Date: Jan 2008
Location: Bombay
Posts: 1,375
Thanked: 315 Times
Default

Quote:
Originally Posted by sushrutha View Post
To a certain extent, say some relief, by lodging a complaint.
Atleast a FIR, saying that we have received a harassing call from so and so number, threatning us to pay the amount ASAP.

+1 DO raise an FIR if possible. if you do not have contacts, they would not register the FIR. FIR would be against "Unknown Persons".

But DO give a compalint to police in writing and get an acknowledgment.

Both ICICI and your brother are victims. They are victims of identity theft.

He would have applied to some other thing (E.g. Post paid SIM / EMI for some electronics / different credit card). Someone misiused his papers and applied for a card on his name. He already had a copy of his PAN card / ID Proof etc etc. With these papers and a dummy photo he got a card in your brother's name.

Last edited by NetfreakBombay : 7th February 2010 at 17:44.
NetfreakBombay is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search


Similar Threads
Thread Thread Starter Forum Replies Last Post
ICICI bank launches Ferrari range of credit cards Tushar Shifting gears 28 21st June 2016 10:17
Another credit card fraud Sam Kapasi Shifting gears 54 28th June 2014 21:10
Credit Card Purchase Surcharge 1.5% (and a discussion on TIPS) sam003 Shifting gears 114 6th February 2013 12:28
ICICI Bank phishing site received today in mail emkay456 Shifting gears 28 5th October 2009 22:10
Credit card menace kutlee Shifting gears 39 17th August 2007 18:59


All times are GMT +5.5. The time now is 06:12.

Copyright 2000 - 2017, Team-BHP.com
Proudly powered by E2E Networks