ICICI Bank Complaints & Reviews

1. 05.10.09 Cheque No:734529 - Rs 9269/
2. 02.11.09 TP AXIS BANK LTD/[protected] - Rs 9269/
The above transactions were approved by Icicibank bank against the Personal loan which I have availed from Axis bank.
But the EMI for the month of Dec'09 was declined by the Icicibank Bank evevnthough enough fund was in my A /C No :[protected]. The available balance on my A/C on 01.12.09 was Rs 5,09,499.07.This has spoiled my relation reputation with Axis bank with out valid reason. Hence I request Icicibank bank to give proper explanation and copensation for the damage caused by them.

I am holder of Credit Card of ICICI Bank.

My billing cycle was 20th to 19th till Sep 09 which was change to 24th to 23rd from Oct 09. Due to which my Oct month statement was for the period from 20th Sep to 24th Oct.

The change for the same was not intimated to me and I did some transaction based on my credit card billing cycle and finance plan on 20 to 21 oct 09 considering that the due date will be after 45 days.

However the same was billed to me for Nov 09 bill. I called the customer care and given them request that the payment will be made in next month as the change in billing cycle was not intimated to me. And based on it, they should not charge the interest.

The customer care department noted the request and assured me that the interest will not be charged and will be reversed if charged. They given me the requisition no[protected] for the same.

On 23 Nov 09, bank has charged interest in my account and on my call to customer care, i was being replied that the interest will not be reversed.

my compliant is against bank for non intimating me the change in billing cycle date and non reversing the interest.

Sir,

I Anand Soni taken 2 policies from ICICI Prulife , policy no bearing 02797553 and 02797554, i have submitted the form for my Partial withdrawel at ICICI Bhiwadi office on dtd. 2/12/09, duly signed and filled enclosed with a crossed cheque , and they assured me that i will get my refund within 7 days, but after 10th day I again called to Bhiwadi ICICI and then they told me to talk to there alwar office no.[protected] and 636, I talked to Mr. Vimal on dtd. 15th , 16th and 17th , so many times and i always get confirmed by him that my amount has been transfered to my bank account , but lastly at this time on 17th evening 6.30 pm i have been told that my amount has been revert back due to some problem of bank transection / transfer and i will get the cheque through post, but they could not able to confirm me why the amount reverted back, and for my second policy they have told that it has been no yet logged for refund due to lack of some document, if the document is not complete than why not i have been told by Bhiwadi ICICI office ( ph. No.[protected] during submission of the same if they didn't seen then why the next staged office not informed me at the time of received at there end, I have never received a single call from any of the ICICI office after submission of my form for refund ( Partial) , after my several calls they informed me like this and the time passes to 15 days, is this the quality of there after sales and services , I want my refund within 3-4 days otherwise i have to go to consumer forum, to take strong action against ICICI Prulife, I have been misguided everytime, never received any calls from them. kindly solve my problem within 3-4 days.

My credit was debited Rs 1295 on 26/11/2009 for CCP Assistance without my knowledge. I called CCP for refund but there is no response till date. In fact, the origin of this issue is, a phone banking executive of ICICI bank who made this unwanted proposal and registered this service on behalf of me. I feel that the ICICI bank phone banking executive cheated me by registering this service. (I called ICICI bank toll free number for getting some information about balance transfer). I don't want this CCP service. Please help me get out this CCP service.

Dear sir,
I was having Aicici bank credit card no [protected] I returned the card somewhere in 2005-and from then I kept receiving the call for the payment when there was nothing to be paid then also I have paid 1600 rs for four five times they said it is for settlement and After that again I use to get the same call and they say ur amount is due so then in aug 2009 I have been deducted of rs 4572 from my[protected] a/c no
Which was with them and then they told me for ur credit card which I was not using for 4-5 years that they have again deducted the money for the credit card
After a month I have gone to rohini-delhi in their office and asked for the statement and told them the complete history they gave me the past two years statement and said we will get u more two years statement from Mumbai office and we don’t find any purchase in it ,there must be something wrong we will check it and will transfer the money.. since past 4 months I have not received any statement any actionand now again I have started receiving the same call for more money .this is the attachment of my account where they have deducted the money without any prier notice and without my using their credit card for past four five years



Account : [protected]
Statement Criteria : Date ranging from 15/08/2009 to 07/09/2009



Status as on : 07/09/2009



Sr No. Value
Date Transaction
Date Description Cheque No. Withdrawals Deposit Available Balance
1 24/08/2009 24/08/2009 [protected] 4,572.58 0.00
2 03/09/2009 03/09/2009 [protected]:Int.Pd:[protected] to[protected] 5.00 5.00



IFEEL COMPLETELY MENTALY HARRASED FOR ALL THIS THING .
I request the IINDIAN GOVT AND GOVERNER OF R.B.I TO LOOK INTO THE MATTER AND PL. SET ME FREE FROM ALLTHIS


Hoping for kind co-operation
And early response on the subject
Thanks & rgds
Sandeep bhasin
[protected]

I am using ICICI credit card since 2005. I have forgotten my password for online transaction for buying Railyways/Air tickets etc.

It is therefore request to reset it so that I can create a new password for future Online transaction through my ICICI credit card. An intimation in this regard may also be forwarded to me for necessary action.


Thanking you,

Uday Kumar Gupta
ICICI Credit Card No.[protected]

I have made a fund transfer of Rs 1400 from my ICICI bank account[protected] to SBI bank account [protected] of my yunger brother on 14/12/2009 .Transfer ID is[protected]but as per my brother amount has not been deposited .Generally transfer takes few hours but this time it is getting delayed and ICICI is showing that transfer is successful.My brother is facing problem as he didn't get the money on time.I tried to contatc ICICI but didnot get proper responce.They should inform such delayed transaction .the amount has allready been deducted from my account and my brother didn't get the money.

ICICI BANK CREDIT CARD NO [protected] STATE MENT FROM 6 TH NOV TO 5 TH DEC NOT YET RECEIVED FOR HARD COPY. PLS SEND TO MY HOME ADDRESS ARE MENTIONED.

BY
C RAVI CHANDRAN [protected]

I am a credit card holder of icici bank bearing # [protected], I had been paying in the card regularly but due to my sudden financial crunches, i have failed to continue the same from the last few months. In the meanwhile i was in touch with one of their executive name Mukesh who used to sit at the upperwood street office and I have also made several payments to him, he used to contact me and send colletor to me for the collection of the payment. Since last few months he had stopped calling me up and I contacted the bank directly to go for a settlement of my credit card account. I never quoted any amount and left the whole thing on the bank to decide. But to my surprise they stopped contacting me suddenly and finaly i came to know that my total outstanding is some 79000/-. I have stopped using the card the very day i failed to make the payment. If bank would remain honest in their part, even they would agree to this. Then how on earth my oustanding reaches to such a pick point i failed to understand. To add more to this, bank never contacted me since the day I had spoken to them about the settlement, moreover since I have my salary account with Icici bank, they have lien the account without even informing me. My salary account balance reflects in negative figure now and the moment i receive my salary the whole amount gets deducted and i do not receive any payment. Bank could have informed me before doing the same. I am not an outsider. I work for the same group (ICICI Prudential LIC ltd) and it is very easy to get my number traced out or the location of the branch am working in. My whole family and my brother's education depends on my salary and bank has taken such a drastic step without my knowledge. I want my money back from the bank and would request them to settle the account or else i would be left with nothing but commiting suicide due to ICICI BANK.

plz note that i can pay rs.60000SPOTANEOUSLY BY A DEMAND DRAFT OR I WILL CONTEST THIS CASE IN THE COURTS OF LAW
>We inform you that your credit card account5176 xxxxxxxx3001 has been permanently deactivated due to the non payment of credit card dues.
>
>
>
>As on date outstanding balance in your credit card account is Rs. 168,571.79.
>
>We will be unable to provide settlement for the requested amount. We request you to contact the collection department for further assistance.
>
>ICICI Bank Ltd., 248, Andheri-Kurla Road, J. B. Nagar, Andheri (East), Mumbai-400 059.
>

>REG;- ICICI BANK CREDIT CARD NO. [protected]
>>SUB:- YOUR INTERVENTION in THE MATTER
>>
>>I HAVE OPTED FOR SETTLEMENT OF ABOVESAID CARD> TO WHICH THEY HAVE OFFERED ME AN ORAL SETTLEMENT AT RS.69000/- Through their representative Mr. Hardeep of thane Branch orally. I had requested the said Sh. Hardeep to settle the said account in Rs.60000/- as i was in poor state of health and my daughter was due for delivery too. The said Sh. Hardeep promised me to revert back soon. But shown his inability to settle the account in less than Rs.69000- I had once again requested him to try again in Rs. Sixty thousand only. To which i did not get any reply.
>>Thereafter all of a sudden I started receiving threatening calls from two nos of TATA who said I need to pay Rs.127000/- plus if I want settlement. They sent two three people at my residence who threatened my pregnant daughter while she was alone at him & frightened her while ignoring her pregnancy & no fault of her in this case if any.
>>Through your good office i beg to reiterate that i am still ready to pay Rs.60000/- as per my words.
>>I have already paid extremely higher of interest @3.25% PM.
>>FURTHER I BEG TO QUOTE THE FOLLOWING WHILE SEEKING YOUR INTERVENTIONS IN THE MATTER as i am ready to Pay Rs.60000/- as of now by Demand Draft
>>
>>in old times when zamindari system was prevalent the poor Indian Public was in their clutches. Once loan is taken the interest used to be charged so harshly that principal+ interest used to carry forward for next two three generations. Even people used to be threatened their property being looted,and they were beaten to death. Now with the inception of foreign and private banks the same system has been reincarnated with with the same modus operandii only change which has taken place is just technological changes. The plight of poor Indian Public is not changed at all as the regulatory bodies are just mute spectators due to technological changes and poor public grievances are not being redressed. These bank continue to overcharge and loot public by window dressing the charges. They are still being threatened they are promised on phone but later on betrayed and people with threatening are visiting the houses of such people. Many a cases have come into light when such frightened people have committed suicides. Many a families have lost their bread winner due to this. IS THERE ANYBODY LISTENING? IS THERE ANYBODY TO ACT ON THE PLIGHT OF SUCH PUBLIC?
>>COPY TO RBI & CIBIL FOR intervention please
>>Kindly save me from becoming poorer to poorest as I have already become poorer from poor by opting ICICI CREDIT CARDS PLEASE HELP ME URGENTLY
>>KANWAR BHARDWAJ
>>06.12.09
>>[protected]
>>[protected]
REG;- ICICI BANK CREDIT CARD NO. [protected]
SUB:- YOUR INTERVENTION in THE MATTER

I HAVE OPTED FOR SETTLEMENT OF ABOVESAID CARD> TO WHICH THEY HAVE OFFERED ME AN ORAL SETTLEMENT AT RS.69000/- Through their representative Mr. Hardeep of thane Branch orally. I had requested the said Sh. Hardeep to settle the said account in Rs.60000/- as i was in poor state of health and my daughter was due for delivery too. The said Sh. Hardeep promised me to revert back soon. But shown his inability to settle the account in less than Rs.69000- I had once again requested him to try again in Rs. Sixty thousand only. To which i did not get any reply.
Thereafter all of a sudden I started receiving threatening calls from two nos of TATA who said I need to pay Rs.127000/- plus if I want settlement. They sent two three people at my residence who threatened my pregnant daughter while she was alone at him & frightened her while ignoring her pregnancy & no fault of her in this case if any.
Through your good office i beg to reiterate that i am still ready to pay Rs.60000/- as per my words.
I have already paid extremely higher of interest @3.25% PM.
FURTHER I BEG TO QUOTE THE FOLLOWING WHILE SEEKING YOUR INTERVENTIONS IN THE MATTER as i am ready to Pay Rs.60000/- as of now by Demand Draft

in old times when zamindari system was prevalent the poor Indian Public was in their clutches. Once loan is taken the interest used to be charged so harshly that principal+ interest used to carry forward for next two three generations. Even people used to be threatened their property being looted,and they were beaten to death. Now with the inception of foreign and private banks the same system has been reincarnated with with the same modus operandii only change which has taken place is just technological changes. The plight of poor Indian Public is not changed at all as the regulatory bodies are just mute spectators due to technological changes and poor public grievances are not being redressed. These bank continue to overcharge and loot public by window dressing the charges. They are still being threatened they are promised on phone but later on betrayed and people with threatening are visiting the houses of such people. Many a cases have come into light when such frightened people have committed suicides. Many a families have lost their bread winner due to this. IS THERE ANYBODY LISTENING? IS THERE ANYBODY TO ACT ON THE PLIGHT OF SUCH PUBLIC?
COPY TO RBI & CIBIL FOR intervention please
Kindly save me from becoming poorer to poorest as i have alraedy become poorer from poor by opting ICICI CREDIT CARDS PLEASE HELP ME URGENTLY
KANWAR BHARDWAJ
06.12.09
[protected]
[protected]

Last Week (9-Dec-09) myself sheetal Kalambe had purchased one Shoppers stop gift voucher worth Rs. 2000/- (from Shoppers Stop, Camp, Pune India) using my ICICI Bank debit card (Debit card no. [protected]). But the card has been debited of Rs. 4000/- at the counter. The card was swiped twice but according to Shoppers stop representative the first swipe was unsuccesfull. We have received only 1 transaction slip (Ref Num.[protected].Please note that that I had signed transaction reipt only once.

The Account statement also shows two entries of Rs. 2000/- each at the same store.

I have called Shoppers stop and they mentioned that its some issue with ICICI Bank machine. I also called ICICI Helpdesk .My complaint number is SR[protected]. Please verify and credit 2000 Rs in my Account

My Complaint Number is SR[protected]

i have taken personal loan from icici bank and i have paid reguler emi's but after losing my job i unable to pay the last three or four emi, icici bank employ's harresd me like anything they come to my home any time at early morrning or night forcing me to pay the dues i convey them that i have no job right now but they insist me to do anything to pay our dues,last month i have pai Rs.3500 as settalement and its been two month nobodys...

I have taken a persoanl loan which I have taken on my ICICI credit card due to some personal emergency in 2007.

Till April 2008 I have made the EMI monthly and then went for a pre-closure of this loan. Which I have closed it with the details below:-

Cheque # 324732 dated 27/04/2008 for Amt 78889 drawn on SBI. During this time the pre-closure I have also made some 2% extra for pre-closing. Now after an year and half I get reminders from ICICI stating that there is a due and I get therating from you people to settle it.

Why should I pay or OPT for settlment when the loan is already pre-closed. And this is not the right way. I would appreciate if some one can help me in getting out of this mess. I mail and call the ICICI customer care number 42088000 so many times but no one seems to be interesed to solve my issue instead they say you have to pay or we have to go for leagal settlement.
Hope this makes more clarity on this.

my cccard was missuse on website of www.ezeego1.com on 13dec2009 of rs 29771
for which i have aready made acomplaint to icici bank compliant no is 10968624
and also to ezeego1.com

i want you to help me and solve this problem as soon as possible
my ctc no is [protected]

Dear Sir/Madam,

I have a icici credit card and saving account. During Diwali vacation ICICI Bank representative Mr. Sandesh visited my my home for icicicredit card payment with outstanding of Rs. 13000/- . i explained him about my credit card closing.Infront of me taked to his senior and asked me pay the cheque of Rs. 8000/- after which he will give me claim settlement letter at Amount of 8000/- and my card will be closed. but to diwali vacation he said he give letter within 8 days. after which i did not received any letter. and now yesterday i had come to know about icici bank blocking the amount of Rs. 6770/- .

When i spoke to the customer care about the same they are refusing to listen me. becoz i dont have any thing in written. I request to check the record of the executive they had send for recovery to my place. They answered they dont have database of the executives going for recovery. I do have the single proof of the executive coming to my place his mobile no. is [protected] Mr. Sandesh.

I dont have any writen proof with me to go for any further action . I requested the ICICI bank to check the executive in whose account the incentive for collection of my cheque is paid to be cheked they refused. but the cheque (262169 ) of Rs. 8000/- dated 19/10/09 is cleared from my saving account.

Hope i get some and my money get refunded: -

My Name: - Sandhya Shelke
ICICI Bank Account : No.[protected]
Credit Card No. [protected]

Thank you in anticipation


Sandhya Shelke
[protected]

There was one credit card issue by ICICI Bank and some overdue amout was setteldown in 2006 with formality and selttelment letter given by bank and in that bank has assured that your settelment is done and amount is ZERO.

But last year i was applied for Home loan to HDFC Bank and they have rejected the loan as because in CIBil report there was overdue amout is 26000 hence bank has cancelled the loan for that i have lost 50000 which i have given to property dealer.

After long followup with ICICI Bank they have confimed that amout is ZERO in cibil report but last month i have taken my CIBIL report from CIBIL and found that still overdue amount is 26000 is reflecting under ICICI bank .

I don't have a any senior offcial of ICICI Bank mail id or contact so that i can highlight this issue to bank offcial and want to close this loop ASAP . Need help on this.

Dear sir,
I am Ravikant Shahapurkar.I am using your icici debit card. Few days ago, when i was trying to take out money from atm, it has been blocked as atm was not accepting pin number. I had also contacted customer care but could not register complaint.
So please register my complaint and tell me that how to get it activated and by when it will be done.

Thanks,
Ravikant Shahapurkar

My name is Hukam Singh, Jaipur, representative from ICICI Bank Limited Jaipur called me for Personal Loan and I filled up an application for Rs. 50,000/- as Personal Loan from ICICI Bank before 2 year, Bank representative collect all documents required for Personal Loan, and told me that a Bankers cheque / DD of Rs. 50,000/- as personal loan will be given to you with in 7 days.

After 15 days representatives of Bank told me on telephone that you came to branch and collect your cheque, you also bring 8 blank check because bank keep 8 cheques as a security and will returned you after completion of your loan.

I reach at Raja Park Branch and give him 8 blank cheque, after two three hours the bank representative said Credit manager went to main branch by a urgent work so you collect your cheque tomorrow. Next day he told me that your cheque of loan will given in next week because approval is pending.

After one week bank representative Mr. Pankaj told me that your approval has cancelled and I will return your documents and cheques after two three days because I am out of station.

But bank representative Mr. Pankaj have not returned my documents and cheque, after 7 month, in the month of August 2008, he called me sir, my friend is credit manager and you apply this time for loan, This time definitely we will give you loan, you give copy of your driving license and pan card and one photo.

On 10th August he came my office and said sir I will collect documents tomorrow from residence, you sign on this application form, I have signed on application form for PL of Rs. 50,000/- and given him copy of driving license, pan card and one photo and next day has not came at my residence and within 7 days without any information Bank credited my SB account by Rs. 4,88,764/-. I was very surprised and told to bank representative Mr. Pankaj that bank direct credit my SB account by Rs. 4,88,764 in place of 50,000/- by mistake.

I asked him for this heavy amount, the bank representative told me that bank released this fund in your account on behalf of your credit and good relations, but I don’t know, without any sanction letter, terms and conditions, without any income proof, bank credited my account by a heavy amount. I told to representative of Bank that I want to return this amount to Bank because I am not capable to pay interest of this heavy amount.

Next day I went to Bank and meet to loan manager and explained this problem, and loan manager have also told that we can’t help you because loan sanctioned and disbursed from Mumbai, so you contact after six months (means in the month of February 2009)

I meet to the branch manager, ICICI Bank, Mansarovar, Jaipur, he also told me that our Personal Loan Officer told you about this, loan office also repeat same language, bank have released the amount in your account, now before six months can not settled, you have to pay atleast six installment of Rs. 16030/- per month, after that we can close your account.

In the month of February 2009 I went in the branch and I said for close my loan account but manager said you have to pay 4,72,000/- + 5% closing fee ( that means around 5 lacs) Bank already withdrawal 96,180/- from my saving bank account with in six months.

I have write many letters from August 2008 to March 2009 to Bank Officers (chairman, PL Manager, Branch Manager, CEO, Collection Manager, Credit Manager at Mumbai, Delhi, Chennai, Jaipur etc.) to close my personal loan, I also went in lok adalat in Jaipur in the month of February 2009 to close this PL account but have not received any response.

I explained to the Manager of ICICI Bank that I am working in an NGO, my salary is 6500 per month, residing in a rental house, how will I pay 16030 per month, please cancel my loan immediately, but bank had not listen my request.

Till dated I have not received any sanctioned letter, any terms and conditions, I don’t know what is the procedure for return the loan.

I planned that why not this amount invest in business and earn more money so that we can pay this amount with interest to bank and I have invest 4 lacs in market and lost this money. This time I am in depression of losses.

Bank representatives alternate day came at my office and residence for recover the money, many time I requested to bank that my income is 6,500 per month I will pay this money from my income but they are doing bad behave with me and my family.

Executive of ICICI Bank doing behave with me:

1.Use ugly language with my wife and gave her mental torture.
2.Used foul and raw languages
3.Gave threats and was very abusive.
4.Taunted and tried to humiliate.
5.He was adamant and said that he will come in the night time to disturb till the time we do not pay him.

Mentioned a few words that they used, have a glance at the following utterances of that person –

1. "Jab tumhari paise wapas karne ki aukaat nahi hai to fir loan kyun lete ho"
2. "Ya to payment kar de, warna bahut tarike hain bank ke paas paise lene ke"
3. "Ek to tu payment nahi kar raha hai, aur upar se pooch rahi hai ki bank ne kis aadhar par lon diya hai".
4. ”Ham paisa dena jante hai to lena bhi jante hai”.
5 ”Tumto Kya Tumhara Bap Bhi paisa dega”



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.

I am filing a case in this Consumer Grievances Redressal Forum Jaipur and had appealed this court to make ICICI Bank and their recovery officer and agents involved compensating me for peace and happiness. I am also filing a case in Banking Ombudsman site www.bankingombudsman.rbi.org

I am attaching a said rules released from RBI so that consumers can get awareness where to go if they are facing same traumatic tensions or experiences due to financial institutes. An appeal is also be made to President of India and PIL should also be filed in Supreme Court about the Financial Institutes or Banks like ICICI bank and collection agency who misuses power of Section 138, 420, 406 on innocent clients. As because loans are taken by peoples to improve self quality of life and not to spoil own career. Circumstances at all time do never remain the same.

However during the course of loans, paying EMI - Business, health, and services can cease or pause, Natural disasters, casualties, diseases, accident, incidents, profit and losses are beyond human controls and bank should understand it. Wise bankers should not consider every client as cheat or slave. During such situation if the client fells, Bank should cooperate and not traumatize and humiliate their customers.

In all fairness, ICICI Bank should have at least checked our credit worthiness before going on this harassment and hounding 'rampage' till we had no option but to carry out our own investigation and point out the problem your Bank.

We hope that you take note of this experience and prevent the same from occurring again.

I am fully in depression, I don’t know what I have to do. I have lost my job presently I am jobless.

A copy of his letter is being sent to following people/email ID's –
[protected]@aajtak.com - for necessary coverage
[protected]@indiatv.com - for necessary coverage
[protected]@zeenews.com - for necessary coverage
[protected]@dnaindia.com
Thanking you,

Yours faithfully,

Hukam Singh
[protected]@gmail.com

Dear Sir,
I have a credit card no. [protected]. I had taken a loan of 2.19 lac which was given under credit card No. [protected]. I am very regular in paying my instalments regularly. I have issued a cheque drwan on syndicate bank, Nandaman Branch, Chennai for an amount of Rs. 7970.00 towards payment for the month of
september. This cheque was returned by the bank. ICICI bank never informed me about return of cheque though I used to get all other information by mobile alert and email. After knowing that the amount has not debited in my account I called up the call centre that is after about 10 days came to know the cheque was returned stating amount insufficient when I had adequate fund in my account. Therefore immediately issued another cheque for the same amount. Subsequently I went to my bank and confirmed about the same. The Bank Manager told me that this had happened due to an oversight by their staff and he called your call centre and spoke to one of the person and he agreed to reverse all amount charged against me for the above cheque bounce. However when I saw my statement for the next month I found that a sum of Rs. 250 towards cheque bounce and Rs. 15.00 as service tax has been charged. I again called the call centre and informed about the same and they told that the reversal applicable to the first cheque bounce only. I informed him this was earlier agreed upon as a special case and will not pay this amount. Therefore I made the payment less the cheque bounce charge. In the current month statemt I find that an amount of Rs.460.42 has been charged as interest and Rs.47.42 as service tax.

I had earlier requested for the cheque return slip and the same has not been given yet. The bank is not entertaining my request without the cheque return slip. You are therefore requested send the cheque return slip immediately.

In view of the above I will not be able to make the payment in respect of the cheque bounce charge. I request you to not to charge interst and accummulate into a huge amount

Hi,

This is regarding ICICI bank branch located in Ramavilas Road Mysore, inspite of submitting Form 60 and nomination list twice within financial year they have lost the documents and have deducted TDS. The Branch Manger too is useless inspite of reqeusting so many times he turns a deaf hear towards this.