Being cheated by ICICI Bank Credit Card...help needed

[wecaz]

Hi,
I am having bad experience with my ICICI Bank Platinum Credit Card. On April 2nd, a new transaction of 2k has been added in my account. This transaction took place in Big Bazaar on Jan 06th. The amazing thing is that I never performed this transaction. After this transaction 3 billing cycles are gone.

Now I have sent a dispute letter to the bank. They need 60 days to investigate and want me to pay the amount as of now. If finally the dispute favours me, I will get a refund.

I need advice from you friends. What should I do more to save my money? Has anyone experienced the same problem earlier?


wecaz1@gmail.com

[techani]

I will suggest that u pay the money. But before that get it written by the local authority head say the manager of the branch that u will be refunded by bank within say 7 working days if its proved that u didnt perform the transaction.
Next keep the documents ready for a battle in the cosumer forum. U can file an online complaint in www.core.nic.in incase the matter is not solved.
But didnt u recieve any sms to confirm the transaction? I heard that the card holder is always sent an sms by the icici bank to confirm the transaction before processing it?
Anyway Best Of Luck...

[rak007]

AFAIK a confirmation message is sent but it only tells that the transaction has been done. Also if the transaction amount is above a certain limit then only the sms comes else it doesn't.

[wecaz]

Yes, I didn't get any intimation. There is a policy that we need to report within 90 days for a wrong transaction. This transation appeared in my account after 86 days. I checked my account by chance and found it. Otherwise I would have gone !!!!

ICICI bank says transaction appears in the account only when it is billed to the bank. Is this Bag Bazaar's fault? Should I talk to them directly?



AFAIK a confirmation message is sent but it only tells that the transaction has been done. Also if the transaction amount is above a certain limit then only the sms comes else it doesn't.

[ax3]

u didnt get any intimation by SMS ...... :-(

u can sue sue them .... seriously ......

IMO, dont pay .... go 2 consumer court & fight [with all valid docs] ....

kick their ASS out .....

its their [ICICI`s ppls = contract based ppl] mistake, NOT URS .....

FIGHT THE RIGHT WAY ......

i remember some1 wining same FIGHT with the bank & getting compensation ......


so remove ur SWORD & FIGHT ......

[wecaz]

Yes, Thanks a lot...
Actually ICICI sends SMS for transaction of more than 5000 only. And the problem is I am out of India for some time. I can do only those things which can be done through internet...... :(

Can I still be able to drag them to consumer court? If I try to close my account, I need to pay the amount as well.


u didnt get any intimation by SMS ...... :-(

u can sue sue them .... seriously ......

IMO, dont pay .... go 2 consumer court & fight [with all valid docs] ....

kick their ASS out .....

its their [ICICI`s ppls = contract based ppl] mistake, NOT URS .....

FIGHT THE RIGHT WAY ......

i remember some1 wining same FIGHT with the bank & getting compensation ......


so remove ur SWORD & FIGHT ......

[techani]

for online fight try www.core.nic.in or www.whitelibra.com