[Resolved]  ICICI Bank — Fraud

Icici bank is on the verge of killing my parents.

My father is 77 and mother is 72, and both are suffering. My father was to have a critical operation this month, and as fast as possible.

But, now i fear the operation will be cancelled and i am helpless to do anything about it.
You know, why?

The answer is icici bank.

For the sake of the operation i had been saving money. On 3rd may, i found out that my balance was zero. I was shocked. Icici bank had arbitarily deducted rs 36, 419/- ie my total salary for the month without any notice, bill, statement to me or my employer tata interactive systems. Earlier also they had taken 9, 217 from my salary account in the same manner ie a total of almost 46, 000/- for a credit card due of the yr. 2003, with credit limit of 20, 000. And, that's why when i have asked for settlement they have refused.

You can understand my helplessness as a son. I know icici bank is ruthless. Why will they care about all this? Their only aim in life is to exploit and harass their customers. Maybe, they'll think of this as an achievement.
My only request to icici is "please, don't kill my father." let him live.
That's all i have to say. If the bank understands my situation, they'll reverse the debit amount. But, maybe i'm hoping for just too much after all it's icici bank, which holds the dubious record of being "india's most complained against bank".
A helpless son
_
To,
Customer care,
Icici bank
5th may, 2011
Re: unethical practices & customer harassment

This time, again the disgraceful and unethical behaviour of your bank has crossed all limits, and your bank has stooped to a new low of simplystealing the full amount of my salary (Rs.36, 419/-), behind both my back and my employer’s (Tata group) back.

This is in reference with my tata interactive systems, salary account no. 1**********1 with icici bank. I am truly amazed that your bank had the audacity to literally “steal” my entire salary amount of rs.36, 419/- this month without any intimation whatsoever from my corporate salary account. This is appalling. The only details available were a credit card number and amount debited of 36, 419, and nothing else is mentioned in the details.

Here are some important facts which your bank may have purposely overlooked in their hurry to empty the customer’s pocket:
1. Firstly, the credit card payment you have mentioned has no link at all with my salary account. My salary account with tis is in operation from the month of september, 2010 while the card is more than 7 years old and has not been in use for 6 years. There is noauto-debit with my salary account. So, under no circumstances can the bank adjust these amounts against each other. Absolutely, no one has the authority to transact on my tis salary account without my knowledge. This is not the first instance. Earlier too, you had deducted an amount of rs.10 000 approx. Again without any intimation. Obviously, when you steal, you do it in a stealthy manner and undercover like a clandestine operation. You have become truly professional in the art of “how to rob a customer”.
2. There was no intimation, no statements, nothing. Earlier when i had mentioned settlement, you had not paid heed and had promptly deducted about rs.10, 000 from my salary account. This month, you have done the same thing, but with a bigger amount. Till now you have illegally and fraudulently stolen funds worth rs. 46, 000 approx. Without any intimation, explanation, absolutely nothing.
3. My bank account reads zero: 30th may, salary credited rs36, 419; 3rd may, salary stolen by icici rs36, 419.
4. My parents are both over 75 years old, and need costly medicines. I have to pay a huge amount of home loan emi and i am the only earning member in the family. The bank must be feeling elated by imposing greater sufferings on two senior citizens. They are already in a state of mental trauma thinking about how they will survive this month. My father’s health has already been affected by this action of the bank. It has also disturbed me both mentally and economically.
5. Both my parents hold savings accounts with your bank for a long time. Needless to say, if this issue is not resolved, we’ll close both the accounts.

That’s not all! There’s more!

Today i had gone to your technopolis branch to check my account, and there i was told that they had no idea, why this has happened and had no answer. There was a lady named nadeem, who was clueless.
All i could do, in frustration was to call them a bunch of thieves at the top of my voice, and they avoided looking at me, leave alone trying to stop me. For 5 minutes i was there, ranting at the top of my voice and not one employee of your bank protested, because.
By this time, a sympathetic crowd had gathered in my support, which was expected, because there are many customers, who have faced the same thing with icici bank, and they joined me in my tirade against your bank, while all the time your employees could only cower in fear. But seriously, i think your employees don’t have a sense of shame as they have become thick-skinned after getting the same dose from various customers time and again. They have become immune.

By all means i want my money back. I’m dead serious. The card is a separate issue altogether and needs to be discussed separately, but before anything, i first want my bank account credited back with rs.36419. If your bank still has the slightest sense of decency and shame left in them, then you will know that this is the right thing to do.

I expect quick and just action from your side, failing which i will have to think of taking recourse to other measures.

Shayan chatterjee,
Tis - frontline manager