Subject: Complaint against ICICI Bank for recovery demand despite reporting fraudulent transaction and ongoing police investigation

I

Ipsita

New member
Bank Name
ICICI Bank
Customer Care Number
1800 1080
Loss Amount
245606
Ratings
1.00 star(s)
Opposite Party Address
Building- 996, First Block Koramangala, 560034
I, the complainant, wish to bring to your attention an incident of online credit card fraud amounting to ₹2.3 lakh, which occurred on 18th February 2025 through a phishing website falsely resembling ICICI Bank’s official portal. Unaware of which, this fraudulent site prompted me to enter my card details, which were later misused to conduct unauthorized transactions on Flipkart.
I took immediate action:
1) Reported the transaction to ICICI Bank within a few hours.
2) Registered a formal FIR at Koramangala Police Station and registered cybercrime compliant
3) Obtained confirmation from police authorities that this was a case of fraud and they are actively investigating the case
4) Filed a formal complaint with the RBI Ombudsman on 4th June 2025, compliant no.: N202526002005576
Despite all this, ICICI Bank has:
1) Continued to demand full repayment of ₹2.3 lakh by 20th June 2025, transferring all blames on stating customer negligence
2) Ignored RBI’s directions regarding customer liability in fraudulent electronic banking transactions (Reference: RBI Circular - DBR.No.Leg.BC.78/09.07.005/2017-18)
3) Failed to provide any interim relief or investigation outcome
4) Not paused or written off the disputed amount, even as the police have confirmed fraud and are pursuing the case
Relief Sought:
1)Declaration that the transaction was unauthorized and fraudulent.
2) Direction to ICICI Bank to write off or reverse the disputed amount.
3) Direction to ICICI Bank to halt all recovery calls, notices, and penalties during the ongoing RBI and police investigations.
 
Hello @Ipsita

We have carefully reviewed all the details you have submitted regarding your complaint with ICICI Bank Credit Card Fraud. As you have already contacted the RBI, ICICI, based on our thorough evaluation, we regret to inform you that the only viable option left is to file a case before the nearest District Consumer Disputes Redressal Forum.
You can file the case against the ICICI Credit Card through the online e-Jagriti portal: e-jagriti Platform: Ministry of Consumer Affairs, Food, and Public Distribution, Government of India
To initiate your complaint, the following documents need to be submitted:
  1. Index – A list of all enclosures/documents attached.
  2. Memo of Parties – Details of the complainant(s) and respondent(s).
  3. Affidavit – A sworn statement verifying the contents of the complaint.
  4. List of Events / Chronology – A timeline of key events related to the issue.
  5. Supporting Documents – Invoices, receipts, communication proofs, warranty cards, etc.
Pray: You need to mention the details in the EVENT file.
Affidavit: Should be notarized.
All Documents should be signed by the Complainant.

We can assist you by:
  • Drafting all the necessary documents (Index, Complaint, Affidavit, List of Events, etc.)
  • Uploading and filing the complaint on the Consumer Forum website on your behalf
  • Guiding you through the hearing process and next steps
If you would like to proceed, kindly confirm, and we will begin preparing your case files right away.

Thanks
 
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