[Resolved]  ICICI Bank — complaint against the icici collection agent harassment

Address:

46/3 CHINAR HEIGHT CHINAR PARK, Kolkata, West Bengal, 700157

Dear sir/maam,
I have been a credit card holder of icici banks, since 2007. Card no-: [protected]. I have not been able to settle the credit card bill for last three months.
As a result of which i am getting regular ad recurrent phone calls from the bank asking me to settle the dues. I have already made so many request every time to the esteemed bank to waiver the excess charges that had been imposed against my card but to no avail. After this i had cancelled my and my family's icici lombard, health insurance both cards; and even icici potential life insurance's one term policy has been cancelled by me, which money i have been waiting to receive at the credit card account. Without my permission, from my icici bank account number :[protected], the bank has taken approximate : 8, 500 rupees.
For some days i am getting a call from someone from this number: [protected], in the truecaller its showing, name:mithun sharkar; who claims himself to be the representative of bank. After talking to him for some settlements, he demanded for : 1, 70, 000 rupees. But when i am asking him for the information of my principle amount, he is not giving me the information. So am requesting the bank to give me the information about my loan's principle amount.
Yesterday, 04/03/2018; someone from bank visited my house. Today, 05/03/2019; mithun sharkar (Ph. Number: [protected]) bringing 5-6 recovery agents with him, they visited my house my aged parents were present in that moment. Mithun sharkar and those recovery agents, had gone against the rbi recovery agent law.


My mother had ruined her mental and physical health both because of terror of icici bank recovery agents. Today she is suffering from much health related tensions because of icici bank threats for the agony caused to her.
1. Shouted at my mother and father, that gave them mental torture.
2. Used foul and raw languages
3. Gave threats and was very abusive.
4. Taunted and tried to humiliate.
5. Done some indecent act
7. Was very rude and harsh and kept on shouting - even though she (My mother) said him that she is a heart patient.
These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behaviour and language, which is legally and ethically against the human rights and indian penal code.
Identity: you can ask the recover agents to show their identity cards issued by the bank or under the authority of the bank. But they don't show the identity card.
Privacy: you have a right to privacy. The recovery agent cannot discuss the debt to another person. So don’t panic if he threatens to tell neighbours or co-workers about your debt. If he does so, you can file a complaint against him with the bank. But they
Don't follow the rules.
Calls: you can choose the place and time for receiving recovery calls. You can also request them to not call you at a particular place or time. For instance, if you don’t want to receive calls at work, specify the same to the agent or the bank. Keep in mind, they will respect your request only till they feel you are not avoiding them.
But am getting regular ad recurrent phone calls

Decency: the recovery agent has to talk to you in a decent and civilized manner. No abusive language should be used. Also, the written communication sent by the banks should be easy to understand. But gave threats and was very abusive. Used foul and raw languages.
My father is going to case a file against the recovery agents and mithun sharkar to the police. If i see this happening again, i am going to strongly protest it.