ICICI Bank Ignoring Fraud

[Preranafox531]

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Preranafox531
PARTICIPANT
January 31, 2025 at 5:11 am

I’m frustrated right now and need some advice. Two months ago, I fell for a fraud of telegram one for ₹3,000 and another for ₹7,000. I immediately raised a dispute with the bank, explaining that a scammer had accessed my device and somehow fetched my card details and OTP.

Instead of looking into it, ICICI just dismissed my complaint, saying the transactions were OTP/PIN authenticated—blaming me for it. But that’s the whole point of my complaint! The scammer got my OTP through fraud, and now I’m being told that nothing can be done.

From what I understand, RBI has guidelines for cases like this, and banks are supposed to investigate properly. But ICICI seems to be completely ignoring that. I’m planning to escalate this to RBI, but has anyone here gone through something similar? Any idea how to get them to take this seriously?

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[Urbanparidhi4346]

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Urbanparidhi4346
PARTICIPANT
January 31, 2025 at 5:27 am

complain to RBI obuasndam. you can file it after 30 days of fraud providing details of ICICI bank not taking any action.

included copy of your compliant to cyber police regarding hacking of your phone too.

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[Indianbear9687]

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Indianbear9687
PARTICIPANT
January 31, 2025 at 6:12 am

Are you sure that you did not share the OTP?

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[Cleverdevansh8143]

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Cleverdevansh8143
PARTICIPANT
January 31, 2025 at 6:39 am

Say you withdraw money from ATM and later a thief steals it. Does it become the banks fault?

Basically, you are claiming someone hacked your mobile device accessed card details & OTP. ow is this banks fault?

File a police complaint against the person who scammed you.

RBI and ICICI can only help you if information was compromised from their end.

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[Lavanyapanda662]

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Lavanyapanda662
PARTICIPANT
January 31, 2025 at 1:08 pm

RBI guidelines dated 6.7.17- banks are liable for unauthorised transactions.

File a consumer complaint for deficiency of service and unfair trade practice u/s 35 of consumer protection act.

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