$~23 * IN THE HIGH COURT OF DELHI AT NEW DELHI + W.P.(C) 8395/2026 RAJIV GOIL .....Petitioner Through: Mr Shivang Gupta Mr Naman Agarwal Mr Yash Sharma Mr Aditya Dev Sharma, Advs. versus RESERVE BANK OF INDIA & ANR. .....Respondents Through: Adv Mr Dhaval Mehrotra and Adv Ms Aditi Desai for R1 CORAM: HON'BLE MR. JUSTICE JASMEET SINGH O R D E R % 01.07.2026 CM APPL. 39396/2026 Allowed subject to all just exceptions. The application stands disposed of. W.P.(C) 8395/2026 1. This is a writ petition filed under Article 226 of the Constitution of India seeking the following prayers:- “a) Issue an appropriate writ, order or direction directing Respondent No.2 (ICICI Bank Limited) to reverse the amount of Rs. 12,26,690/- fraudulently debited from the Petitioner's Credit Card bearing No. 4611 3300 6995 3010, along with applicable interest; b) Direct Respondent No. 2 to remove all adverse credit bureau entries and restore the Petitioner's credit score and financial standing; c) Restrict Respondent No.2, its agents, or recovery This is a digitally signed order. The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 08/07/2026 at 12:19:49 personnel from taking any coercive recovery action or harassing the Petitioner in respect of the disputed transactions; d) Direct Respondent No.2 to pay compensation of Rs. 5,00,000/- towards mental agony, harassment, and reputational loss suffered by the Petitioner; . . .” 2. It is the case of the petitioner that on 10.10.2023, the petitioner made a transaction of Rs. 5,126.91/- using his ICICI Bank credit card towards a hotel booking. However, soon after the said transaction, the petitioner received a call from a person impersonating himself as the hotel representative and to his surprise the petitioner received multiple transaction alters thereby his card being misused for making unauthorised transactions of Rs. 12,26,690/- in total. 3. After receiving the alerts, the petitioner immediately blocked his credit card, informed the respondent No. 2 bank and lodged a cyber crime complaint. 4. The petitioner also submitted a card member dispute form disputing the unauthorized transaction of the aforesaid amount. However, the claim of the petitioner was rejected by the respondent No. 2 bank on the ground that the transactions were processed using the 3D secure pin, CVV and other details. 5. Pursuant thereto, the petitioner lodged a complaint with the Banking Ombudsman under the respondent No. 1, which has not been adjudicated yet. 6. For the said reasons, issue notice. 7. Mr. Mehrotra, learned counsel accepts notice on behalf of the This is a digitally signed order. The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 08/07/2026 at 12:19:49 respondent No. 1. 8. There is nobody appearing on behalf of the respondent No. 2, however, the matter is being taken up for hearing. 9. In view of the factual situation of the case, the present petition is disposed of directing the Banking Ombudsman under the respondent No. 1 to adjudicate the complaint of the petitioner in accordance with law, expeditiously and not later than 4 weeks from the communication of this order. 10. The Court has not opined on the merits/demerits of the present case and in case the petitioner is aggrieved, the petitioner shall be at liberty to approach the Court of competent jurisdiction. 11. The issue of CIBIL score will be decided after the complaint of the petitioner is adjudicated in accordance with law. JASMEET SINGH, J JULY 1, 2026 / (MS) This is a digitally signed order. The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 08/07/2026 at 12:19:49