[Resolved]  ICICI Bank — Mab charges deduction without information

Address:

516150

Dear sir/madam,
My name is m. Santhosh kumar and i am having saving bank account no.[protected]Zero balance account) last 6year with icici bank, nadalur branch. My complaint is related to the minimum account balance charges, that bank has debited from my account without any communication in this regard. The bank is charging exorbitant charges and that too on monthly instead of quarterly basis done so far. I have never been informed of such policy changes. Also the charges for 3-4 months have been debited together but after a gap of 4 months from first month so that the customer does not get alert about the charges and could take corrective action. I think icici bank is not even following the guidelines mentioned by rbi.
Please find the below details for all the transactions made by bank.
Date transaction remarks amount

24/02/2015 dcardfee3462dec12-nov13st 90.62
02/03/2015 mabchgs-dec14+st 3.77
02/03/2015 mabchgs-dec14+st 268.87
12/03/2015 mabchgs-feb15+stax 43.26 393.26
16/03/2015 smschgsjan15-mar15+stax1.65 15.00
22/06/2015 atmdec chg/19-05-15/0556/25st3 28.50
22/06/2015 atmdec chg/19-05-15/0556/25st3 28.50
07/08/2015 smschgsjul15-sep15+stax1.84 15.00
09/10/2015 mabchgs-aug15+stax28.12 228.97
10/11/2015 mabchgs-oct15+stax4.79 39.00
23/11/2015 smschgsnov15-dec15+stax1.45 11.45
5/12/2015 mabchgs-nov15+stax 58 458.00
13/01/2016 mabchgs-dec15+stax5 39.51
16/02/2016 mabchgs-jan16+stax4.94 39.00
17/02/2016 mabchgs-jan16+st 419.00
29/02/2016 smschgsjan16-mar16+stax2.18 17.18
15/03/2016 mabchgs-feb16+stax25.68 202.82
6/03/2016 mabchgs-aug15+stax28.1228.12 227.03
16/03/2016 mabchgs-sep15+st 88.61
02/04/2016 mabchgs-oct15+st 417.00
02/04/2016 mabchgs-dec15+st 417.00
02/04/2016 mabchgs-sep15+st 369.39
02/04/2016 mabchgs-feb15+st 91.01
27/09/2016 mabchgs-apr16+stax00 460
27/09/2016 mabchgs-aug16+stax00 402.5
27/09/2016 mabchgs-jul16+stax00 402.50
2709/2016 mabchgs-may16+stax00 460.0
27/09/2016 mabchgs-feb16+st 49.67
27/09/2016 mabchgs-jun16+stax00 402.50

Total amount : 6085.66

I don't have any mail informing about this smab charges. I have no information from icici. No call, no mail and no msg. Now that i understand that icici bank has not informed me about change of balance system and if charges deducted are not credited back to my account then i will be left with no other option but to take this matter to higher authorities and banking ombudsman as this is clear violation of rule 8 (1) (K) i. E. "levying of charges without adequate prior notice to the customer" of the banking ombudsman scheme 2006.

Name: m. Santhosh kumar
Account no :[protected]
Branch name:nadalur
Cell no: [protected].
At a time when other banks have done away with mab charges, icici bank is fleecing customers. Please take suitable action in the matter.
Regards,
M. Santhosh kumar