[Resolved]  ICICI Bank — Service overcharges

Address:

Delhi

Dear Sir,

Sub : Overcharging of QAB charges.

Dear sir,


1. From Oct 2008 to March 2009 (6 months) the average quarterly Balance in my account was Rs. 261012 (Two Lakh Sixty One Thousand twelve) and the interest paid for the duration is Rs 3279 which is like peanuts.

six months interest of Rs. 261012 is Rs 3279 which is 0.02% per annum.

I know during this period[protected] ICICI Bank was about to bankrupt and intentionally disabled the online A/C accesss on Sept 04, 2008 so that I can not withdraw the money from my account.

I was in Saudi arabia and spent more than Rs. 5000 to call your customer care for the password request and it took more than four months to you to deliever at my address on 27th Jan 2009.

And the reason for dealy is you have intentionally disabled my login Access, as i was outside the country and have no other mode of transaction.

Moreover

You levied Password Reissue Charges Rs.56 on my account (Debited on[protected].

Now another interesting thing :

I have one more saving account with ICICI Bank ( linked to the same customer ID ) and was unable to maintain QAB Rs. 5000 in that account from Sept - Dec 2008 because of my account access disabled.

Do you think i am fool who will keep more than Rs 250000 (two Lakh fifty thousand) in one account and wont maintain Rs 5000 in another account.

This is your mistake and i have been punished for it by the mean of QAB charges.

I didn't recieved any offical official communiction till date about the revised Service / QAB charges.

I am wondering how careless you are about your valued customers

You never forget to send promotional messages / Calls for Loans / Insurance even the customer is not interested, and you never bothered to inform formally such an important instruction by SMS/email/post to customer.

If you think you care your customers than you have to inform the customer 15 days prior to Quarter ending if his account is running below QAB, and request him to maintain the amount to avoid penalty / service charges.

I would request you please reverse the below charges from my account :

A/C No :[protected]
[protected]--

===========================================================================
SN. Date Particulars Withdrawls
===========================================================================

1. [protected] CHARGES FOR LOOSE CHQ LEAF 28.00
2. [protected] VAT/Bal.Inq.Chg/[protected] 28.00
3. [protected] VAT on CASH WDL/[protected]/0 67.00
4. [protected] SR93407803Infty P/WReissueChgs 56.00
5. [protected] For Cash :50000 ANW-Chrgs :250 S-Tax :26 276.00
6. [protected] QABChgs,oct-dec09+ST77 827.00
7. [protected] QAB Chgs Jan-Mar10+ST77 827.00

===========================================================================

A/C No :[protected]
[protected]--

===========================================================================
SN. Date Particulars Withdrawls
===========================================================================
1. [protected] QABChgs,OCt-Dec08+ST93 843.00
2. [protected] QAB/CHQRTN,July-Sep09+ST113 1213.00
3. [protected] QAB/CHQRTNJan-Mar10+ST149 1599.00
===========================================================================


I want to know why the penalty clause is one sided only, if customer unable to meet some hidden terms & conditions there is hefty penalty on him, while if you made a mistake you enforce Sorry on customer and do the reversal without paying anything to customer for your mistake.


Please call me @ [protected] for any clarification.

Thanks

Manoj Goel