“How I Got ₹3,000 Compensation for a Tap & Pay Glitch”

[G0KU]

I received a ₹3,000 compensation from ICICI Bank for a tokenization issue related to Tap & Pay.


I had added my card details to the Samsung Pay app for seamless Tap & Pay. I made a transaction, and after that I turned off Tap & Pay from the ICICI card settings. Recently, I randomly selected the same card for another Tap & Pay transaction, and the transaction still went through smoothly even though Tap & Pay was turned off. I use Samsung Pay because I like the features it offers, and I usually turn Tap & Pay off after every use.


This issue happens only with ICICI cards, not with Axis, HDFC, or SBI cards.


I emailed ICICI customer service, but they sent a robotic reply and closed the complaint. Then I raised the issue with the RBI Ombudsman; that complaint was closed within two days without any resolution, although I did receive a call asking what happened. I raised another RBI Ombudsman complaint and explained my concern: even after turning off Tap & Pay, the transaction still happened. If my card was misplaced, someone could misuse it or commit fraud — this is a customer security issue.


After 1–2 months, I finally received a resolution along with ₹3,000 compensation. I wasn’t in the mood to negotiate when the banker called — I was half asleep — so I simply said, 3,000 chalega , please process it. I received the amount on my card as well.

 

[kuchbhikuchbhi is verified member.]

its more of a bounty haha

 

[ontherocks]

In your second RBI complaint, did you give reference to the first complaint?

 

[Odyssey]

3L bolna tha bro, it's a major security lapse in ICICI.

 

[G0KU]

In your second RBI complaint, did you give reference to the first complaint?

yes, i mentioned complained number.

 

[ontherocks]

yes, i mentioned complained number.

Good to know that one can refile a complaint after RBI has closed the complaint.
RBI closes a complaint under Clause 14(9)(a) of the Reserve Bank - Integrated Ombudsman Scheme, 2021 (RB-IOS) which are non-appealable under the provisions of the RB-IOS.

 

[vine]

Good to know that one can refile a complaint after RBI has closed the complaint.
RBI closes a complaint under Clause 14(9)(a) of the Reserve Bank - Integrated Ombudsman Scheme, 2021 (RB-IOS) which are non-appealable under the provisions of the RB-IOS.

@G0KU was your first complaint closed in this clause?

Also, your ID is hard to tag.

 

[G0KU]

@G0KU was your first complaint closed in this clause?

Also, your ID is hard to tag.

Nope, different clause

 

[HumorSimpson]

@pinki what's your take here?

 

[pinki]

@pinki what's your take here?

Icici's tech is full of security issues and privacy failure. Even we have noticed cards of other people's being shown to some another guy.
Its good that OP has highlighted and is leveraging. I support him.
Its good that customers like him atleast exist, otherwise in india we have full of people with mentality " are yar chalta hai itna to ".

Appreciated.

 

[percolate]

Is the tap and pay bug fixed by ICICI now?