ICICI Bank
Current Account Debited by the bank without balance & without authority

On a sales tax authority instruction, the bank not only debited the 40k available in the account, but debited the account by 252k taking the account to a negative balance of -212k without any intimation or notice to the customer. The current account was a normal one with no OD facility & hence without any authority to debit the account to negative balance.

Since then, the bank has been sending daily SMS to the customer & harassing him to regularize the account.

Can a bank take such action without informing the customer?

Please suggest.