Two years ago in July, an agent or an ICICI Bank employee called me to open a Demat Account. I said that I don't want a Demat Account as I do not trade. He consistently tried to convince me and also told that If I open the Demat Account I will also get a 0 Balance Account. This option of having a zero balance account forced me to open the Demat Account for which I also got a Savings Account in ICICI Bank for which I do not have to maintain any balance. He told to me to give Rs. 500 as an opening charge of the Demat Account which can be refunded if I do a trade in the Demat Account that is Buy and then Sell. Accordingly I gave him Rs. 500 and after few days he helped me to do the trade and I got around Rs. 450 credited to my Savings Account. As a result as told by the Agent/ICICI Bank employee, I withdrew the amount and then my balance in the saving bank account got zero or so, I don't remember that now actually.
Now after two years in September, I thought of using the ICICI Bank Savings account and in fact I thought of converting the account into my Salary Account.
But from Customer Care I came to know, that my account has become INACTIVE. He advised me to deposit some amount by which the account will be automatically become ACTIVE. As told by the Customer Care, I deposited Rs. 100 but again the balance become zero. When I called Customer Care, he told me that the Rs. 100 was deducted as Debit Card annual charges, so the account was still INACTIVE.
When I went to the branch, where my account was opened, I had to wait for 2 hrs after which they attended me. I was told to contact the person who works for Demat Accounts.
So, I went to the person looking after Demat Accounts. After explaining all my situation, he told me that I have Rs. 460 as the DP Charge pending in my account.
I WAS SHOCKED WHEN I HEARD ABOUT THE CHARGES because the person who opened the account did not tell me anything about this thing. Anyway when
I requested him if anything can be done to waive the charges, the person at the Demat Account counter simply denied and told me that I was saved from levying more charges because the savings account is a zero balance account, I would have to give more charges if it was not zero balance. So, in this way at the Branch, the person favored the Agent/ICICI Bank employee who did FRAUD with me.
Anyway, I accepted the charges and was ready to pay the Demat Charges, in fact I have already paid Rs. 500 in my Demat Account and also submitted a request for the Closure of the Demat Account. But this was not done in a single day.
When I first entered the branch, I was told to sit for few min but I waited for 2 hrs and in just 2-5 min the person at the Demat Counter told me all of the above but did not accepted the request for closure of the account. Instead I had to go to the branch again the next day. He should have told me first day only that nothing can be done today please come the next day but he just harassed me waiting for 2 hrs and asking me to come next day.
SO THIS IS HOW THE ICICI BANK EMPLOYEES ARE...
My intention was to convert or open a Salary Account in ICICI Bank when I first entered the Branch, but after the misbehavior of the employee or person at the Demat Account I decided not only to close the Demat Account but also the close the savings account and never open any type of account in ICICI BANK.
PLEASE BE AWARE OF THE ICICI BANK EMPLOYEES AND THE OFFERS THEY PROVIDE...
My ICICI Savings Bank Account No. is 0370101004549.
My Cell no. is 9433067357.
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