ICICI Bank
CHEATING BY ICICI BANK

SIR,

PLEASE FIND BELOW THE DETAIL MAIL SENT TO NODAL OFFICER OF ICICI BANK. PLEASE HELP ME.

This is to bring to your notice that I have my savings bank account no. 000601514187 for about last six years.

Yesterday i.e. 25.2.2012 when I took a mini statement I found that my ledger balance is showing one amount and available balance is showing another amount. Immidiatly I had a word with customer care where in I am informed that my Rs. 22850 is blocked due to non payment of my ICICI Bank credit card.

But to tell you that I have been regularly paying my installments of credit card no. 5176 3787 0122 7008 and the whole installment is completed last December'2011 itself. Moreover I would also like to tell you that as per the collection agents that every month I have paid more amount than my installment amount as they have said that there is a excess payment due in the account. After completion of the installment I have again been called by the collection agent that minimum amount Rs1300 I need to pay and asper the guideline I have made the same payment.

But instead of paying the required amount regularly how can the bank block my money and bank says that it will debit the same amount shortly.

Moreover I asked the customer service officer that why have you blocked my money without at least informing me. In reply he said that we will block the amount and then inform you with a letter which you will receive shortly. I requested him to unblock the amount and if anything is due then to discuss and convert it to installments as I do not keep any dues with the bank. But instead it was refused and have been told that do anything the amount will not be unblocked.

For your information and reference I would also like to tell you that I had two personal loans from your bank the loan account numbers are as follows LPCAL00012028615 - L & LIJDV00011293247 - L of which I have repaid in full without any problem so there is no question of non payment and have no intension to run away with the bank money.

I am surprised about the whole thing and find it risky to keep a personal bank account with your bank as there is no security with you bank. Bank may do anything anytime. After some days it may also say that more amount is due and deduct or block some more amount without information. It seems that bank can touch personal account without information and take away money of the customers as there own will, moreover when my dues are regularly paid how can bank touch my personal account without standing instructions.

What could have bank done If I did not have a personal account with the same. I always thought this is a friendly bank but have no idea that bank can touch customers personal account without information or permission from the customer.

I think that it is not safe to keep account with your bank anymore and withdrew high transaction accounts and personal accounts of myself and my friends and family members if this problem is not solved Immidiatly.

RBI does not have any such rule to touch customers personal account without informing the customer and deduct money.

Therefore I will request you to look into the matter and solve my problem Immidiatly otherwise I will have to knock the doors of consumer forum for justice.

Looking forward to the justice from your end.

Thanks

Biswadeep Roy Chowdhury

9836667707

Company: ICICI Bank
Country: India
State: West Bengal

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