Online Banking Cyber crime

VBALAAAA453 · 19 May 2025

Sub: ICICI= E027321622 : Loss of Amount Rs.36004/- and unauthorised loan credit amount of Rs.35154/- by Cyber Financial Fraud
Dear Sirs,

The ICICI Bank is torchering me for recovering money. I am forwarding herewith my case with relevant details alongwith possible proofs (screen shots) of emails, SMS

Request your support to get releif from the issue.

Thanks and Regards

V Balakumar

---------- Forwarded message ---------
From: V. BALA KUMAR <balakrvenkat@gmail.com>
Date: Mon, 19 May, 2025, 12:57
Subject: Re: ICICI= E027321622 : Loss of Amount Rs.36004/- by Cyber Financial Fraud
To: <headservicequality@icicibank.com>
Cc: <antiphishing@icicibank.com>, <CUSTOMERSERVICE@icicibank.com>, <customer.care@icicibank.com>, <jagadeesh.u@icicibank.com>, <jahangeer.mj@icicibank.com>, <dcpallikaranai-tnpol@gov.in>, <r.parvathi@icicibank.com>, <leadesk@icicibank.com>

Dear Shyam Kumar,

I am not at all satisfied your mail since you are keen interest to support your all ICICI Bank team by not inderstanding my pain in terms of money loss. First of all you are intentionally not replying as per my mail dt. 17/05/2025 under subject RE: ICICI= E02732162: SR1036238525, since you are not at all ready to read my mail but expecting me to understand your mail.

I am refowarding my reply mail dated 17/05/2025 once again with all the relevant the prooves with the request to please read the contents thoroughly and then reply point to point.

I again admit that due to OTP authorisation, my amount of Rs.36004/- debited but the real fact is I was supposed to send only Rs.10/- based on URL and subsequent screen shot itself proved the fact and more over I informed it on 13/03/2025 itself and simultaneously the amount of Rs.35154/- credited without my consent as loan (I have not all agreed your statement thatvI approved this loan) that also I informed separately on 13/05/2025 itself.

You had not taken this matter seriously on 13/03/2025 itself by delayed investigation and tried to put your ball on my court that I did all the transations and recover your money with high interest rate hiding the your team negligible and foul play by not accepting your faults.

Further, please note without my written confirmation, your team done a criminal activity by unfreezing the debit freezer under request number SR1035619320 not only taking Shadow Credit of Rs.36004/- but also taking EMIs of Apr-25 Rs.1890/- including penality and taxes and May-25 Rs.1278/-, while the matter is not closed means ICICI has stolen my money by your own operating my account without my permission.

So, if you want to respond to me with proper investigation and also I am ready to cooperate on your External investigaion then please reply if not please don't send this type of vague reply and I will not react on this and don't expect me to respond it as this will be my last mail communication in the subject matter.

Balakumar

---------- Forwarded message ---------
From: V. BALA KUMAR <balakrvenkat@gmail.com>
Date: Sat, 17 May, 2025, 20:44
Subject: Re: ICICI= E027321622 : SR1036238525
To: <headservicequality@icicibank.com>
Cc: <r.parvathi@icicibank.com>, <customer.care@icicibank.com>

Dear Shyam Kumar,

Just see your email (17/05/2025) but I lodged my complaint on 13/03/2025 alongwith copy of Cyber Claim Complaint i.e. after 65 days you replied that too without proper investigation. You only checked your records the authentication of OTP, which I was informing you almost all my emails and to your phone banking associates.

I again reiterate the sequence of happenings as under:

On 13/03/2025 I got a call from Mr.Mohit-Shine.com-Mob.no.9068092534 for job.
He shared url link https//jobapply-shine.com/register.php to make the pymt of Rs.10 towards regn fee.
While clicking the link, it leads to pick bank portal and I chose ICICI Bank.
The moment I update my User ID and Password, I notice one amount Rs.35154/- credited without my knowledge. Through your below mail only I come to know it's insta personal loan. (We further wish to inform you that this is an online application received after logging into your online banking credentials of your Saving Account 002901016805. to which you are privy of, and that all the terms and conditions of your aforementioned Insta Personal Loan were informed. Post receiving a confirmation on the terms and conditions and second level authentication, the loan amount was disbursed into your Savings Account 002901016805. The above structure with multiple layers of authentication has been created by ICICI Bank to ensure that the account of the customer is operated in a very secure and safe manner and with usage of confidential details which are solely known to the customer himself/herself only unless compromised knowingly or unknowingly by the customer himself/herself.) This is absolutely done without my knowledge.
After disbursement of your so called above loan on 13/03/2025 none of ICICI Bank called me for authentication and receipt confirmation of credit Rs.35154/- but they claimed to contact me (Mr.Jahangeer from Loan Department in his mail dt. 24/04/2025) instead myself only contacted ICICI Customer Care for clarification both by phone and emails from 13/03/2025 onwards by that time I got OTP 377395.
In the thought of above credit, I was mercelled and accidently I entered above OTP and pymt done for Rs.36004 instead of Rs.10 from my a/c and it was credited to Luxury Online Retail India. (I had given full address of the beneficiary to you and Cyber Cell department also. You have done your investigation internally to targeting me to recovery money despite of acceptance of OTP Authentication from me but informed to you that huge payment gone as Cyber Fraud rather you would have extended your investigation externally on my provided url link from where this Cyber Fraud had been committed.
I immediately made a complaint to Cyber Crime Portal on 13th March, 2025 itself using url cybercrime.gov.in/Webform/Crime_ReportTrack.aspx and I got an ack. No.22903250021862 but no response received.
Interestingly I got another OTP 696342 for Rs.57215 to pay Ajio and I immediately called customer care no.18001080 to stop this. Hence I decided to freeze all debit transactions including auto debit.
Then I called to ICICI Bank Call center at 08033667777, Ms Pallavi, Customer Care Associate, I requested her to freeze my account for all Debit Transaction due to safety purpose till my written confirmation for reactivation and she did the same under request ref.no.SR1035619320 and I confirmed it per mail dt.14/03/25 to customer.care@icicibank.com
On my mail dt.13/03/25 to customer.care@icicibank.com they provided shadow credit of Rs.36004 till the resolution for 12 weeks.
On 14/03/2025 I got call from ICICI +912269315000. I made a request to find out beneficiary bank account but she refused to do so on my utter request.
I check the CIBIL score board, one unauthorised loan amount sanctioned Rs.36004 but credit given was Rs.35154 without my knowledge and the amt of Rs.36004 was transferred to above party with a great scam.
Now, I am getting reminders (both SMSs on daily basis/mail) from ICICI loan recovery department for repayment of EMI Rs.1278/- as they were not able to debit my account due to debit freezer.
On 21/04/25 I got mail from customer.care@icicibank.com to visit nearest ICICI Bank to unfreeze the debit transactions despite of above fact but I did not do the same.
Hence, despite of Debit Freezer active under ref.no.SR1035619320, which is not yet closed, in my account on 9th ICICI Bank reversed/debited shadow credit of Rs.36004/- informing me that dispute is not eligible for reversal as OTP/Grid authenticated ICICI Bank (this I have already admitted in all my mail communications and phone banking assiciates, but you made it as your internal investigation but not examined the above facts), on 10th they debited Rs.1278 for May EMI and on 12th Rs.1890 for overdue EMI incl. penality without my written consent. It's a great Crime you committed by ICICI Loan recovery department for this disputed loan amount, for which I shall be able to claim the damage as per my decision, which may please be noted.
This would have easily been done, if ICICI investigation should have started immediately on 13/03/2025 itself on the receipt of my both mails dated 13/03/2025 itself for both the transactions, the issues might have resolved within a weeks time but ICICI customer care team intentionally delayed the case resulting myself victimized. Hence, I am not satisfied your below 65 days delayed response and I am not responsible for this.

Thanks and Regards

V Balakumar

TeamMember · 24 May 2025

Hello @VBALAAAA453

Don't post the email, post your complaint in detailed manner, so that we can guide you accordingly.

Thanks

VBALAAAA453 · Sunday at 6:45 PM

Can you please advice me how to send my grievance to you..

TeamMember · Monday at 2:05 PM

TeamMember said:
post your complaint in detailed manner

Thanks

VBALAAAA453 · Monday at 8:07 PM

This has a reference to your mail.

I hereby inform the sequence of happenings as under:

I am deliberately searching for job and registered many portals such as Naukri.com, linkedin, Monster.com, Foundit, Shine.com etc.
On 13/03/2025 I got a call from Mr.Mohit-Shine.com-Mob.no.9068092534 for job.
He shared url link https//jobapply-shine.com/register.php to make the pymt of Rs.10 towards regn fee.
While clicking the link, it leads to pick bank portal and I chose ICICI Bank.
The moment I update my User ID and Password, I notice one amount Rs.35154/- credited without my knowledge (later I understand it's insta personal loan by ICICI Bank without my knowledge, which I came to know from ICICI Bank after several mails).
ICICI informed that "We further wish to inform you that this is an online application received after logging into your online banking credentials of your Saving Account 002901016805 to which you are privy of, and that all the terms and conditions of your aforementioned Insta Personal Loan were informed. Post receiving a confirmation on the terms and conditions and second level authentication, the loan amount was disbursed into your Savings Account 002901016805. The above structure with multiple layers of authentication has been created by ICICI Bank to ensure that the account of the customer is operated in a very secure and safe manner and with usage of confidential details which are solely known to the customer himself/herself only unless compromised knowingly or unknowingly by the customer himself/herself". But all of this is absolutely done by ICICI Bank without my knowledge.
After disbursement of your so called above loan on 13/03/2025 none of ICICI Bank called me for authentication and receipt confirmation of credit Rs.35154/- but they claimed to contact me (Mr.Jahangeer from Loan Department in his mail dt. 24/04/2025) instead myself only contacted ICICI Customer Care for clarification both by phone and emails from 13/03/2025 onwards by that time I got OTP 377395.
In the thought of above credit, I was much disturbed and accidently I entered above OTP and payment done for Rs.36004 instead of Rs.10 from my a/c and it was credited to Luxury Online Retail India. (I had given full address of the beneficiary to you and Cyber Cell department also). ICICI bank have done their investigation only internally to targeting me to recovery money for the unapplied/unapproved insta loan.
As far as debit amount of Rs.36004/- to Luxury online instead of Rs.10/- to Shine.com, I accepted that OTP Authenticated by me in my disturbed state but informed to you that huge payment gone as Cyber Fraud rather they would have extended their investigation externally on my provided url link from where this Cyber Fraud had been committed but they closed the case without my agreement.
I also made a complaint to Cyber Crime Portal on 13th March, 2025 immediately within 15 minutes of time using url cybercrime.gov.in/Webform/Crime_ReportTrack.aspx and I got an ack. No.22903250021862 but no response received from Cyber Crime Police, Pallikaranai department also.
Interestingly I got another OTP 696342 for Rs.57215 to pay Ajio and I immediately called customer care no.18001080 to stop this. Hence I decided to freeze all debit transactions including auto debit for safety purpose and I called to ICICI Bank Customer Call center at 08033667777, Ms Pallavi, Customer Care Associate, freezed my account for all Debit Transaction under request reference No.SR1035619320 and issued this will be active till my written confirmation for reactivation and I confirmed it per mail dt.14/03/25 to customer.care@icicibank.com.
On my mail dt.13/03/25 to customer.care@icicibank.com they provided shadow credit of Rs.36004 on 14/03/2025 till the resolution for 12 weeks.
On 14/03/2025 I got call from ICICI +912269315000. I made a request to find out beneficiary bank account but she refused to do so on my utter request.
I check the CIBIL score board, one unauthorised loan amount sanctioned Rs.36004 but credit given was Rs.35154 (as insta personal loan) without my knowledge and the amt of Rs.36004 was transferred to above party with a great scam.
I am getting reminders (both SMSs on daily basis/mail) from ICICI loan recovery department for repayment of EMI Rs.1278/- as they were not able to debit my account due to debit freezer.
On 21/04/25 I got mail from customer.care@icicibank.com to visit nearest ICICI Bank to unfreeze the debit transactions despite of above fact but I did not do the same.
But, despite of Debit Freezer active under ref.no.SR1035619320, which has not been closed yet, without my permission, ICICI Bank had unfreezed debit transaction in my account on 9th ICICI Bank reversed/debited shadow credit of Rs.36004/- informing me that dispute is not eligible for reversal as OTP/Grid authenticated ICICI Bank (this I have already admitted in all my mail communications and phone banking assiciates, but you made it as your internal investigation but not examined the above facts), on 10th they debited Rs.1278 for May EMI and on 12th Rs.1890 for overdue EMI incl. penality without my written consent. Means, ICICI Bank had stolen my fund without knowledge of me and It's a great Crime committed by ICICI Bank Loan recovery department for this disputed loan amount.

This would have easily been done, if ICICI investigation should have started immediately on 13/03/2025 itself on the receipt of my both mails dated 13/03/2025 itself for both the transactions, the issues might have resolved within a weeks time but ICICI customer care team intentionally delayed the case resulting myself victimized. Hence, I am not satisfied their issue closer mail that too after 65 days delayed response despite of my continuous followups with them. Due ICICI Bank's non supporting to customer / not providing quality service despite of my maintain Rs.10000 as AMB as per their requirements, I have lodged my Claim of Rs.2.54 lacks towards their breaking my instructions of Debit Freezer and stealing my fund from my account, degrade my CIBIL score by sanctioning Insta Personal Loan without my consent, which makes me a prestigious issue.

In this connection, I would like to inform you, in Sep-24 also I was facing the same issue from Shine.com but at that time I got alerted immediately after seeing message of abnormal amount was going to be debited and I didn't authenticated the transations and immediately transfer all my funds to my wife account and blocked my Internet User id & debit card. But this time for the short time period, I did due to my disturbance state because of Credit Transaction of Rs.35154.

I, therefore, request your goodself for remedies how to get recover my fund. I am forwarding screen shots of important SMSs, emails including copy of online Cyber Crime Complaint for your reference.

Thanks and Regards

V Bala Kumar

TeamMember · Monday at 11:56 PM

Thank you for reaching out to us.

To ensure we understand your issue clearly and respond as efficiently as possible, we kindly request that you follow a specific format when posting your complaint on the forum.

Start each point with the date when the issue or event occurred.
Describe the event or issue clearly, in a single line or paragraph.
If you’ve already contacted the company, mention every interaction with the date and a short summary of what was discussed or promised.

This helps us understand the timeline of your issue and respond step-by-step to resolve it effectively.

Example – Loan:

02-May-2024 – I took a loan [Loan Name] (Loan Number: XXXXX) of amount Rs. xxxxxx.
I paid the EMI regularly.
11-May-2024 – Received call from bank that EMI is bonused.
15-May-2024 – I emailed to the Bank customer care, but haven’t received any reply yet.

Please avoid vague messages like “my product is not working” or “no one is replying.”
The more clear and date-specific your message is, the faster and more accurately we can assist you.

We appreciate your cooperation in helping us help you better.

Online Banking Cyber crime

VBALAAAA453

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