Dear Sir/ Madame;
Kindly note my complaint is against icici bank for unlawfuly action on my account no: 001101575345.
Kindly note this particular account has been marked with a negative balance of Rs 19, 600/- as on July with the reason that my Icici micro loan of loan no: LIMUM 00010437501, amount of Rs 19, 000 is duw on it.
Kindly note my Icici micro laon of the number as above had been taken on another Icic account not at all linked to this account & that particular loan stands settled with Full and final settlement of Rs 27, 000/- in Feb of the settlement referancce no: DSMG/ MBL/ 0209/ 2179, settlement letter issued by icici bank dated 27th Feb with cash payment of the agreed settlement of Rs 27, 000/- by Icici receipt no: L 0109 7094330, wherein Rs 27, 000/- was paid in cash in Feb as agreed in the settlement.
Now Icici bank has frozen my account with a negative balance of Rs 19, 600, which I am hereby disputing and presenting to you to investigate and compensate me from the bank for the inconvenience casued to me on the following grounds:
1stly I have not authorised Icici bank to link my salary account and laon account, and they stand as seperate entities in my operations so on whose authority has this action been done, clearly I have not authorised such action.
2ndly my micro loan stands settled as on Feb which can be cross verified by the bank as per the documenst in my custody and payment receipts, so what is the facts behind such untoward incident which has caused me great inconvenience as clearly as per the Indian judicial law, despite settling a laon account, without prior checking and intimating it customer Icici bank, who happens to be a leading banking authority is India, indulges in unlwfuly and unjudicial actions such as above.
3rdly shouldn't the customers be intimated on any such action, as per the RBI diercetives?
4thly can a bank such as Icici be trusted with our hard earned money, as the fact reamins Icici bank has indulged in unlwaful practices that it is notorious for.
I rely on the fair assesment and evaluation of this matter in the hands of Indian judicial system and I wish to bring this matter to consumers attention so that no banking authority indulges in such unlawful actions as Icici bank has indulged in.
Kindly request your involvment in attnding to this complaint of mine.
I have full trust on the indian consumer board to take my complaint further.
Thanks & regards
Jigar Panchal
Victim of Icici bank's unlawful practice
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