(FOUL PLAY} UNAUTHORIZED/THREATED INTERNET TRANSACTION DISPUTES/REFUNDS.

COPY TO:

Cyber Crime Investigation Cell is located at :

Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
D.N.Road,
Mumbai - 40001

Email: cybercell.mumbai@mahapolice.gov.in

Tel: +91 - 022 - 24691233





--------------------------------------
BY ICICI BANK--
-------------


Dear Mr. Bobade,

We acknowledge receipt of your e-mail of August 19, 2010 addressed to Head

Service Quality regarding your ICICI Bank Credit Card.

We reiterate that the 3 disputed transactions as confirmed from our records,

has been effected on your subject Card. We would like to clarify, that the

above transactions have undergone a 3D Secure Authentication, which is a

second level authentication specifically built in for online transactions

done through Merchant Websites. It may be noted, that apart from the Card

Verification Value (CVV) and Expiry date on your Credit Card, your personal 6

digit 3D Secure PIN was also required for effecting the said transactions.

The 3D Secure PIN is purely personal and privacy to the customer and would

not be known to anybody, unless compromised otherwise. The Card holder is

responsible for the security of his/her Card along with his/her personal 3D

Secure PIN and should therefore take all possible steps towards ensuring the

safe-keeping thereof. The Bank does not incur any financial liability arising

out of the misuse thereof by unauthorized persons.

We confirm, that the transactions were allowed as the system is CVV, Expiry

Date and 3D PIN specific and not person specific. We reiterate, that as the

transactions were qualified by information strictly personal to you, the Bank

is therefore precluded as per industry guidelines to repudiate the

transaction with the Merchant on the basis of your dispute.

We therefore regret to inform you, that the Bank will not be able to accede

to your claims with regard to the disputed transaction.

We request you to take up the issue with the merchant and if no resolution is

given, please take assistance of cyber crime police for further verification

and recovery of the disputed amount.

In view of the reasons cited above, we advise you to meet this explanation

with reason and acceptance.

We affirm that ICICI Bank at all times acts with diligence, in good faith,

and in no manner prejudicial to the interests of its customers.

We have attached the supporting documents for your reference.
The outstanding balance due on your ICICI Bank Credit Card 5176 xxxx xxxx

6003 is Rs. 38,346.46 as on August 20, 2010.

We request you to make the payment of the outstanding balance on your credit

card account to avoid levy of financial charges.

We hope you would meet the above explanation with understanding and

acceptance.

Sincerely,

Arunjyothi E
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER


SUBJECT: (FOUL PLAY} UNAUTHORIZED INTERNET TRANSACTION DISPUTES/REFUNDS. AT

YOUR DOOR FOR HELP,RESOLUTIONS AND REVOCATIONS (MODIFIED).[ LAUNCH OF FIR ].


-----------------

TO,
CBI MUMBAI,CID MUMBAI,RTI(INDIA).
DATE:21/04/2010.

DEAR SIR/MADAM,

SINCE THE ISSUE/DISPUTE IS HOT SUSPICIOUS AND HIGHLY DOUBT/DANGEROUS, IT IS

FORWARDED TO COMPETITIVE AUTHORITY FOR INSTANT INFORMATION,RECORD AND URGENT

DESIRED ACTION IN THIS REGARD FOR FURTHER SOLUTION.

THANKING YOU.
NICE TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.

COPY ATTACHED BELOW .




---------------

NOTE: SET 4,ITEM NO 10 MODIFIED.




-

TO,
ICICI BANK LTD,INDIA.
ICICI CREDIT CARDS,
CUSTOMER CARE.
MUMBAI-INDIA

DATE:
08/07/2010.


SUBJECT: YOUR LETTER DATED 5/07/10, SENT THROUGH BLUE DART COURIER RECEIVED

ON 07/07/10.AWB NO 440********, REF:015060710.

REFERENCE: QUERIED TRANSACTION PERTAINS TO CARD NO: 5176 5337 3057 6003.


DEAR SIR /MADAM, (CUSTOMER CARE OFFICER)




--------
NAME OF MERCHANT: M/S PAYPAL *PEOPLE NTK
DATE: 20/04/10.
AMOUNT: RS 37.26

THE ABOVE TRANSACTION IS DECLARED AS DISPUTE./THE ABOVE TRANSACTION IS

STILL DISPUTED BY ME.


--------

THIS IS FOR YOUR KIND INFORMATION,RECORDS.
THIS IS FORWARDED FOR SOLUTIONS AND REVOCATIONS.

THANKING YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.


----------------------------------------------------------------------
SET:4

TO,
ICICI BANK LTD. MUMBAI,INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE,CUSTOMER RELATION MANAGER,
customer.care@icicibank.com,customercare@icicibank.com,headcustomer.care@icic

ibank.com.
COPY TO:executivedirector@icicibank.com

DATE: 20/04/2010,(TUESDAY) 7.30PM ONWARDS.

SUBJECT: DISPUTE LETTER.

DEAR SIR/MADAM,

(1)CARD HOLDER NAME: RAMESH KASHINATH BOBADE.
(2)ICICI CREDIT CARD NO:5176 5337 3057 6003.(MASTER CARD)(HP LOGO)
ADD ON CARD: 5239 5100 1158 2004.
(3)PLEASE BLOCK MY CARD.(YOU ARE ALREADY BLOCKED MY CR CARD)
(4)PLEASE RESTORE MY EXISTING RELATIONSHIP WITH BILL PAY WITH (i)MTNL GARUDA

AND
(ii)MAHADISCOM ELECTRICITY.
(5)SUSPICIOUS CALL ATTENDED/REPORTED BY 2.52PM 20TH APRIL2010 REGARDING

REGISTER FOR
3DSECURE. THIS FAULTY MOBILE PHONE NO WAS
O********84.
(6)AND SAME WAS REPORTED TO ICICI CUSTOMER CARE BY 2.58PM. AND ASKED THEM TO

CHANGE
TPIN.
(7)CALL WAS RECEIVED AGAIN FROM O********84 BY 3.08PM INQUIRING WHETHER I

RECEIVED SMS.
(7)SMS RECEIVED BY RM-ICICIBNK BY 2.44PM INFORMING ONE TIME PASSWORD.
(8)CALL WAS RECEIVED AGAIN FROM O********84 BY 3.08PM INQUIRING WHETHER I

RECEIVED SMS.
AND ASKED TO CONFIRM FOR FURTHER PROCESS OF REQUEST.
(9)BY 7.36PM I TOLD THE CUSTOMER CARE EXECUTIVE REGARDING NON LOG IN TO 3D

SECURE, SO
THE EXECUTIVE TOLD SOME TRANSACTION WERE REPORTED .ASKED THEM TO BLOCK THE
CARD.EXECUTIVE ASKED TO WRITE DISPUTE LETTER.
(10)LAUNCH POLICE/COMPLIANT-COMPETITIVE AUTHORITY/AGENT COMPLAINT ON BEHALF

OF(i)ME,(ii)ICICI BANK,AND(iii)MERCHANT INVOLVED(iv)MASTERCARD.
(11)CALL REPORTED TO ICICI BANK IS AVAILABLE TO ITS RECORD.
(12)BY 3.18PM RM-ICICIBNK REPORTED SMS IF THIS WAS NOT REQUESTED BY YOU TO

CALL CUSTOMER
CARE FOR ASSISTANCE.
(13)TILL 7.30PM NO TRANSACTION REFLECTED ON INTERNET BANKING USER ID-LINKING

CREDIT
CARD.
(14)STOP PAYMENT,STOP DELIVERY,REPORT MERCHANT,ISSUE ARREST WARRANT FOR MISS

USE OF MY
CARD DADA.
(15) ICICI FAX NO RECEIVED- 022 ********
(16)MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.
(17)MY MOBILE PHONE WAS DISCONNECTED SINCE LOW BATTERY AND COLLECTING INFO TO

REPORT TO
EXECUTIVE.

(NOTE: PERSON TRIED CALL BY MOBILE PHONE NO:O********84 WAS TALKING IN FAST

HINDI-ENGLISH NOT CLEAR VOICE.
SHE TOLD SHE WAS ICICI BANK OFFICER AND CALL WAS SERVICE ISSUE FOR CONFIRMING

CARD

DETAIL,SHE INSISTED LIMIT INCREASED BY AND
ADD ON CARD BLOCKED)

THIS IS FOR YOUR INFORMATION AND FURTHER NECESSARY ACTION AND RECORDS.

NICE TO WRITE YOU/THANKING YOU FOR HAVING ME OPPORTUNITY TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.
(ICICI BANK CUSTOMER)
MOBILE PHONE :000********6493. RESIDENCE: 022 22901332. ALTERNATE MOBILE

PHONE:


------------------------------------------
COPY TO:
STATUS-SENT SEPARATELY.
--

headservicequality@icicibank.com,
---
consumer_inquiries@mastercard.com, ask_brand_manager@mastercard.com,

AdvisorInfo@mastercardadvisors.com, jennifer_stalzer@mastercard.com,

georgette_tan@mastercard.com, venture_liang@mastercard.com,

emilyne_sim@mastercard.com, ingrid_sahu@mastercard.com,

cybercell.mumbai@mahapolice.gov.in, hobacmum@cbi.gov.in, cbiccic@bol.net.in,

bobbanty21@rediffmail.com,director@core.nic.in, webadmin@core.nic.in,

cccdel@del3.vsnl.net.in, content@core.nic.in,
---
feedback@myoxigen.com, helpdesk@travelboutiqueonline.com,

refund@travelboutiqueonline.com


---------------
TO,
(1)CARD CARE,
ICICI BANK LTD.
(2)OXYCASH- MERCHANT.
(3)TRAVEL BOUTIQUE ONLINE- MERCHANT.

DATE:22 AUGUST 2010 (SUNDAY).


DEAR SIR/MADAM,

PLEASE PROCESS REFUNDS AND SETTLEMENT.
I HAD NON RECEIPT OF DELIVERY.
SOMEBODY USED MY CARD ACCOUNT IN FRAUDULENT WAY (FOUL PLAY).
[PLEASE PROCESS RECOVERY OF PAYMENT FROM DEFAULT CLIENT TO WHOM ACTUALLY

SERVICE DELIVERED BY MERCHANT.]

PLEASE HELP.

YOURS SINCERELY,
RAMESH K.B.

---

SET:3

TO,
ICICI BANK LTD. MUMBAI,INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE,CUSTOMER RELATION MANAGER,
customer.care@icicibank.com,customercare@icicibank.com,headcustomer.care@icic

ibank.com,
headservicequality@icicibank.com.
COPY TO:executivedirector@icicibank.com
DATE:24APRIL2010.


DEAR SIR/MADAM,

PLEASE SEE COPY ATTACHED PREVIOUS EMAIL.

(1) BY CREDIT CARD COMPANY FOLLOWING ENTRY REFLECTED,READ ON 24APRIL2010

1.06PM BY

EMAIL:
20/04/2010 5000 OXICASH-BILLDESK,
20/04/2010 8461 TRAVELBOUTIQUE ONLINE-
20/04/2010 16148 TRAVELBOUTIQUE ONLINE
20/04/2010 $1 PAYPAL ,
20/04/2010 1657.51 PAYPAL *PEOPLE NTK

IN DETAIL:
20/04/2010 $1 PAYPAL
20/04/2010 ********1100153******** PAYPAL *PEOPLE NTK 1,657.51
20/04/2010 ********110********0139 OXIGEN INFOVISION PVT 5,000.00
20/04/2010 ********11********00029 TRAVELBOUTIQUE ONLINE- 16,148.00
20/04/2010 ********11********00011 TRAVELBOUTIQUE ONLINE- 8,461.00


(2)PLEASE BILL THE AMOUNT COMPULSORY FOR THE ABOVE ENTRY TO WHOM SERVICE

DELIVERED.
ALL THIS DUES SHOULD BE RECOVERED FROM THEIR ACCOUNT IDENTIFIED FOR DELIVERY,

AVAILABLE
BY MERCHANT,THEY MISS-USED MY CARD DATA
AND PURCHASED ABOVE SERVICES.

(3)ALL MERCHANT INVOLVED SHOULD BE NOTIFIED.

(4)MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.

THIS IS FOR YOUR KIND INFORMATION AND FURTHER NECESSARY/DESIRED ACTION.

NICE TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.

----