So what happens when your ICICI debit card is stolen or you leave it somewhere unattended. Someone gets access to it and uses it. Now if you are dumb enough to write the Pin on your Card, well hard luck. Your money is gone. Now what if you have not written the Pin on card? The thief uses the card for shopping and you still lose the money? Not really.
Here is what needs to be done when someone uses your card fraudulently. Sharing my amazing experience with ICICI bank and theit robust processes. I have always been a fan of ICICI bank and this just acted as a confidence booster.
1. Make sure that you have the mobile phone handy which is registered with ICICI bank for your account. This is the mobile which gets all the SMS & alerts.
2. When a thief buys first item using your card, you will get an SMS for the transaction. Go ahead & block your card by calling the customer care. Those guys are reachable here. Now no more money will be debited. You are safe.
3. Without wasting any time, login to your ICICI account or use the SMS you have just received to find out the shop where transaction was done.
4. Go to shop/ call them and ask them if they have CCTV camera footage. If yes, ask them to save it giving details of fraudulent transaction.
5. Go to police station and register an FIR. Now this FIR must say that card was lost or stolen & the thief has done fraudulent transaction.
6. The FIR MUST mention Time of Card Loss, Time of Fraud Transaction(s), Exact Amount of Fraud Transaction(s), Name of the shop(s). This FIR must be registered within 24 hours of you getting SMS. Else, say good bye to your money. The FIR copy which you will have MUST have stamp of officer on duty and his sign.
7. If you have FIR also, you have won 75% battle. Now get a copy of this FIR, Printout of your bank statement showing all the fraud transactions and write a letter stating the sequence of events & request for refund.
8. Courier all these documents (2 FIR copies, 2 Bank statement copies and 2 copies of refund request letter) to below mentioned address -
DEBIT RECON TEAM,
A WING 6th FLOOR,
AUTOMN ESTATE,
CHANDIVALI FARM,
ANDHERI,
MUMBAI-400072.
9. Now wait for 7 days (not working. Just 7 days)
10. Walk into any ICICI bank branch. Go to any executive and ask them about the status. If the status is refund in pregress, smile & leave. If not, ask him/her to create an internal service request for refund. And do not leave till its done and you get that request number.
11. Now closely keep a follow-up of that request by walking into ICICI bank & checking with online customer care. You HAVE to get that status converted to "refund in progress"
12. Once you get that, chill!!!! You will get your money back in your account in 15 working days. Enjoy the party.
This is I did and got the money back.You can too!!!!!
If you need specific details, drop in the comments.
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