I lost my card a few months back and it was used by someone to make a transaction of about 18k (For details, read my last post). I raised a dispute with ICICI Bank which was settled against me. After spending a month trying to get a copy of the investigation report from ICICI Bank customer care and their hallowed and inaccessible Chargeback Department – I have finally received it, and guess what, it’s an utter pack of LIES!!
I am not kidding – some of it is plain unbelievable.
Here are some snippets from the report. CM=customer, ME=merchant
“ME told us that CM came to his outlet and taken original chargeslip & bill, no clue found, however the identity of card user was not ascertained,on asking CM of show charge slip and bill copy he refused to show. “
Wow! I was never asked for a charge slip by the investigator, nor did I have one. I accompanied the police to Big Bazaar (the merchant), where the police collected the IMEI codes (the card was used to buy a couple of phones), but not the charge slips. I went again recently, and I was told that I could not get the charge slip from the merchant now, without the consent of the bank.
So the investigator not only turned me into someone who “refused” to show charge slip (when he has a disputed transaction of 18k!), he has turned the merchant into a liar as well! So they don’t just screw their retail customers, but even their merchants!
CM had not informed field team that he himself had visited to ME ‘BIG BAZAAR’ for investigation, When asked for charge slips CM refused to show chargeslip and bill copy.
CM was not responding well during Investigation.
The point is reiterated, and evidently “I had not informed the field team I had visited the merchant”. This when I myself,gave the field team the contact number of the concerned employee at Big Bazaar. Oh! by the way that amounts to “not responding well during investigation”
CM is not working anywhere and staying in a hostel in Gurgaon.
This one takes the cake. It literally threw me over the edge. Here I am, a director of a pvt. ltd. company, staying with my parents in Gurgaon – he turns me into an unemployed hosteler! Phew! Unbelievable. And this is when the investigator visited me at my residence!
So, you see what a fraud ICICI Bank credit card division is. Until now, my concerns were around long wait times, long turnaround times – but this takes it to a whole new level.