[Resolved] ICICI Bank — unauthorised debit of account (Account Statement related) | |
Below is the email contents of me as well as that of the bank Branch Id : 6319 Account Id :[protected] Reminder -II I have not heared from u regarding the below mentioned e-mail sent to you two days back, Please apprise me of the satisfactory solution or I shall be bound to take the matter forward to consumer court and RBI Dear Sir Please let me know whether the amount debited to my account without my consent is reversable or not. As I have not been consulted for the below mentioned terms and I have never agreed for the revised terms Please revert the charges at the earliest or I will have no alternate to avail other services for the same regards Subodh -----Reply Separator-------Dear Mr. Kumar, We understand your concern. The amount of Rs.843.00 debited from your savings account on October 20, 2008 towards non-maintenance of Quarterly Average Balance(QAB) for the period July 01, 2008 to September 30, 2008. QAB to be maintained in your savings account in Rs.10, 000. Non-maintenance of quarterly average balance charges: * Flat charges of Rs.750 are levied on your account. * For every new cheque book, Rs.5 a leaf will be charged. * First three cash transactions (withdrawals or deposits) at the branch in a quarter will be free and thereafter Rs.60 for every transaction will be charged. * First five ATM cash (withdrawals or deposits) transactions in a quarter will be free and Rs.50 for every transaction will be charged thereafter. Service Tax of 12.36% on the mentioned charges is also applicable. The QAB is calculated as follows: Sum of the end of the day balances on each day of the quarter divided by the number of days in that quarter. Alternatively, the credit balance should be Rs.10, 000.00 on each day in the quarter in your account. You may obtain the complete service charges list applicable for a general savings account by following the mentioned steps: 1. Visit our website www.icicibank.com 2. Select 'Service charges and fees' 3. Select 'Regular savings accounts' We request you to click on the below link to know the service charges http://www.icicibank.com/pfsuser/webnews/rates&fees.htm On account of revision of Quarterly Average Balance (QAB) requirement from Rs. 5, 000 to Rs. 10, 000/-, letters will be sent to customers informing them to maintain the revised QAB wef 1st July 2008. Letters will be sent along with the Quarterly statements for Jan-Mar 08. As our customer, you have access to the latest range of products and services from ICICI Bank and we intend improving our offerings continually to make your banking experience simpler, safer and smarter. In line with our increased commitments, we are revising the minimum Quarterly Average Balance (QAB) that you need to maintain in your savings account with us from Rs. 5, 000/- to Rs. 10, 000/- Special ICICI Bank Savings Account Privileges: Vast network of conveniently located Branches and ATMs Extended banking hours 8 a.m. to 8 p.m Anywhere Banking 24x7 Electronic Banking on internet, mobile and Call Centre You will now be able to avail services from our more than 4000 ATMs and 1400 branches with extended banking hours. You can also avail of cutting edge services like iMobile, Utility Bill Pay and [protected]@Home to give you the added advantage when you bank with ICICI Bank. Please coordinate with the branch for further assistance. We regret the inconvenience caused to you. Looking forward to your co-operation. Safe Banking Tip: Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords. Sincerely, Mohsid Khan. Account Manager ICICI Bank Limited ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch. Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com -----Original Message----- Subject: RE: Bank Statement Dear Sir Have you taken any consent from the account holder for that as per my knowledge the average quarterly balance was 5000/- (five thousand) while opening the account and I have never consented for the same (10, 000) Regarding the below mentioned terms of cash and ATM transactions, Is there any notification from the RBI or this is exclusively from ICICI bank. For all the details at least you should have informed your account holders and taken prior consent for the same. Are all the instructions from RBI then Its OK and please let me know the notification number issued from RBI or ICICI. As per RBI norms you cannot debit a single penny to any account without the consent of the account holder. In case you dont provide me any satisfactory details I shall be forced to take this case to consumer courts and I shall be happy to close my long customer reltions with ICICI. Looking forward for your kind co-operation in crediting the balance debited to my account unlawfully. regards Subdoh -----Reply Separator-------Dear Mr. Kumar, Kindly note that all the general savings account holders are required to maintain Average Quarterly Balance of Rs.10000 with effect from July 01, 2008. Hence. Average Quarterly Balance requirement for July 2008 - September 2008 will be Rs.10, 000, failing which customers will be charged in the month of October 2008 with non-maintenance charges. Your account status is that of a general savings bank account for which the quarterly average balance to be maintained is Rs.10, 000. In case of non-maintenance of quarterly average balance, flat charges of Rs.750 are levied on your account. In addition these transaction charges are also applicable : * For every new cheque book, Rs.5 a leaf will be charged. * First three cash transactions (withdrawals or deposits) at the branch in a quarter will be free and thereafter Rs.60 for every transaction will be charged. * First six ATM cash (withdrawals or deposits) transactions in a quarter will be free and Rs.50 for every transaction will be charged thereafter. The service Tax of 12.36% is also applicable on the charges. Further, the charges levied towards non-maintenance of quarterly average balance cannot be reversed. Safe Banking Tip: Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords. Sincerely, K Hima Bindu Account Manager ICICI Bank Limited ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch. Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com ----Original Message----- Branch Id : 6319 Account Id :[protected] Dear Sir My account is debited for Rs. 843 on Dated. 20.10.2008, I dont understand why... moreover the average balance and the funds were sufficient too. You can check for the average balance with my account. Please revert the charges at the earliest. regards Subodh Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 41 Comments | |
Comments
You have to be very carefull with ICICI.
I Dont use ICICI Credit card. Thank God.
Once 48K was deducted from my account by ICICI. When I asked for the reason, they told me that, its a computer mistake and they credited back.
I am really scared of ICICI.
Anyway, it is a good practice to go thru the monthly statement line by line and check.
I Dont use ICICI Credit card. Thank God.
Once 48K was deducted from my account by ICICI. When I asked for the reason, they told me that, its a computer mistake and they credited back.
I am really scared of ICICI.
Anyway, it is a good practice to go thru the monthly statement line by line and check.
ICICI Bank Credit Card — USURIOUS BANKING PRCTICES
I have been maintaining this credit card (ICICI BANK BIG BAZAAR CARD) account relationship with ICICI bank for quite some time but this card has not been very actively used for quite sometime. Whenever it has been used, prompt payment has been done.But, there has been one such transaction which happened in year Mar’2007 for which payment was done in April’ 2007 after receiving call from ICICI BANK call centre. The ICICI BANK call centre personnel informed me the outstanding amount of Rs. 1000/- in total (for a transaction for which I never received the Credit Card statement).
The ICICI BANK call centre personnel informed me that I have to make a full and final payment of Rs. 1000/- for a transaction incurred on this Card.
Hence, I checked the details and made the payment of Rs. 1000/- which was debited to my account. The details of the debit are as under:
03/05/2007 ICICI CC [protected]
959271 1, 000.00
There was a surprise in store for me when I contacted ICICI Bank telebanking executives for cancellation of my additional cards which are issued unsolicited by ICICI Bank. They informed me that there is an outstanding against this card. They were not even willing to give the details. They told if I need previous un-received statements, I need to pay for each statement.
I was further shocked to see the latest statement which has been an example of not banking but USURY.
As per the latest statement I am supposed to pay over
Rs. 8, 000/-.
In this connection, I request the BANK to clarify the following:
1. I fail to understand when I have paid in full for the transaction done by me, why there is any outstanding against my Card a/c.
2.Why the bank is not sending the Credit Card statements in time?
3.If the Bank says, I haven’t paid in full, then how and why the ICICI Bank Call centre personnel is giving erroneous information about amount outstanding and the full and final payment supposed to be made by me. Is this a ploy to trap people unaware and then practice USURY instead of banking?
Banking should be practiced not USURY.
Hi,
I am also facing the similar problem with ICICI. My account also has been debited with same amount on the same day and i was never informed about this. At the moment, i am in CANADA and i use this account for fund transfer to INDIA.icici has my email address. they never mailed me. If they can mail me the statement why can't they approch us for written concern.
i would appriciate ICICI if they revert the charges for me also, other wise i will also terminate this service with ICICI.
i have consistantly maintained the average balance of Rs 5000. this is cheating us something like they promised for some terms and when we handed over the money, they did what ever they want to do.
Customer ID:[protected]
Acc:[protected]
Thanks
-Kulwant
I am also facing the similar problem with ICICI. My account also has been debited with same amount on the same day and i was never informed about this. At the moment, i am in CANADA and i use this account for fund transfer to INDIA.icici has my email address. they never mailed me. If they can mail me the statement why can't they approch us for written concern.
i would appriciate ICICI if they revert the charges for me also, other wise i will also terminate this service with ICICI.
i have consistantly maintained the average balance of Rs 5000. this is cheating us something like they promised for some terms and when we handed over the money, they did what ever they want to do.
Customer ID:[protected]
Acc:[protected]
Thanks
-Kulwant
ICICI Bank Ltd — Deduction of Quarterly amount
Hi Team,This is regarding the saving bank account no[protected] in which Rs 1112 got deducted on 20th Oct 2008 without any intimtion of the increase in the quarterly balance from 5000 to 10, 000...
Request of reversal of this amount...Will take care in future...I am also working with ICICI Lombard and handling Delhi - Moti Nagar branch...
Regards
Amit Goyal
[protected]
ICICI — Not recieving statement, Increase in Debit balance and change of address
A.B.ENTERPRISE89, Tambakata,
Ramesh Bhavan.
R.No. 23, Phydonie
Mumbai-400003.
15.09.2008
To,
The Manager,
ICICI BANK CREDIT CARDS
Sub: Regarding Increase in Debit Balance
Sir,
We had used the credit card for the payment of petrol from Amar Automobiles. We had made payment of Rs. 1841.64 but the statement shows the amount 1887.68 which means increase in the debit balance of 46.04 so I request you to credit the amount in the next statement. We are sending you the Xerox copy of the bill so please do the needful as soon as possible. We also require the statement for the previous month i.e. month of July.
We also want to change our address in your records please note the new address and sent the necessary documents to the following address:
D/18, Dharmesh Mansion,
Bhangwadi, 1st Floor,
Kalbadevi Road, Princess Street,
Mumbai-400002.
Thanking You,
Yours Faithfully,
A. B. Enterprise
Proprietor / Manager
A.B.ENTERPRISE
89, Tambakata,
Ramesh Bhavan.
R.No. 23, Phydonie
Mumbai-400003.
19.11.2008
To,
The Manager,
ICICI BANK CREDIT CARDS
Sub: i Complain for Not Receiving Statement,
ii Regarding Increase in Debit Balance,
iii Change of Address.
Sir,
As per the earlier letter dated 15.09.2008 we had not received the statement for the month of July, then as per the telephonic talk with the customer care department we had not paid the intrest charges and other related charges charged for late payment and rest of the payment was made as soon as statement was received. Now days the customer care employers are calling again and again for the same problem, this is not the way of behaving to the customers.
We had also written in the earlier letter for the change of address so please do the needful, note the address and sent the necessary documents on the address given below:
D/18, Dharmesh Mansion,
Bhangwadi, 1st Floor,
Kalbadevi Road, Princess Street,
Mumbai-400002.
If the documents and statement are not delivered to the following address we are not responsible for the any payments and legal formalities.
Thanking you,
Yours Faithfully,
A.B. Enterprise
Proprietor / Manager
ICICI bank SB account — ICICI Bank debited SB account without my approval or knowledge
ICICI bank has debited an amount of Rs. 1000 from by SB account without my knowledge on Nov 14, 2008. On enquiring repeatidly and following-up through emails and personally visiting their branches for more than 45 days, I was finally informed that the amount was debited from account as some discrepancy was found in the cash of Rs. 5.6 L deposited by me personally at the bank's counter on Nov. 8, 2008. On further enquiring about the discripancy, I was told through mail (Trail ail below for reference) that 10 notes of 100 were found mutilated and I may collect the same from my home branch in Ajmer whereas I am based in Delhi.A surprising explanation from the bank which completely took away whatever little trust I was having on ICICI Bank. How can bank raise discripancy issues on cash deposits after 6-7 days of the deposit actually made across the counter where each and every currency note was checked by the bank before giving me the receipt and crediting to my account. Now that the currency note bundles are not stappled/sealed, the same can be very easily tampered with at bank's end for which a good customer like me suffers and gets harressed. This seems to be a case of nefficiencies at ICICI Bank being passed-on to customers like me.
It is so unethical and unprofessional for a Bank like ICICI to adopt such practices.
Request help and advice on how the matter should be taken-up with ICICI so that the amount is credited back to my account and ICICI takes a corrective step and provides an explanation.
Trail mail for reference:
[protected][protected][protected][protected]
Date: Fri, 2 Jan 2009 15:31:14 +0530
From: customer.[protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' Product: Bank / Old Customer / [protected]@hotmail.com
To: [protected]@hotmail.com
Dear Mr. Mathur,
The amount was debited from account for discrepancy found. As checked there had been 10 notes of 100 mutilated notes
.
We request you to collect the mutilated notes from the Branch.
Sincerely,
Swarnalatha S-Emails Dp-Hyd
Customer Service Officer
ICICI Bank Limited
ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.
CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Monday, December 29, 2008 12:52 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Bank / Old Customer / [protected]@hotmail.com
Title: Mr.
First Name: PRIANK
Last Name: MATHUR
An ICICI Bank Customer: Yes
Product: Bank
Account No:[protected]
What would you like to say: An amount of Rs. 1000 was debited from our a/c on[protected] without any intimation to me. Had put in repeated written & telephonic complaints in last more than a month but still no action has been taken and no just reason has been provided by the bank. Have communicated with your NFC Delhi branch (Mr. Janmajay Singh) and then later with your Ajmer Branch (Manager Mr. Anand K) many times but still the amount is yet to be refunded back to my account and any proper reason for the transaction is also awaited. On repeated follow-up with the bank, I was informed that the amount has been deducted due to some discripency in the cash deposit transaction I had made a 5-6 days back. I fail to understand what could be the discripency when the cash was deposited by me across the counter and your executive at the counter had twice verified the deposited cash (thru machine as well as manually) before confirming the transaction and crediting the amount in my a/c. Once the cash has been deposited at the counter, discripency, if any, is due to Bank's or its employee's fault for which the only the Bank is liable. Such debiting of amount without any intimation and just reason is unethical and may lead to breach of trust and further action.
Request you to kindly get the said amount of Rs. 1000 credited back to my account under written intimation and explanation to me in next 2 days.
Await necessary action and response from the Bank.
E-mail address: [protected]@hotmail.com
Telephoneno:+91-11-[protected]
Correspondence address: 27-A, Pocket A-14, HIMGIRI APARTMENTS, KALKAJI EXTENSION, NEW DELHI 110019
City: NEW DELHI
Country: India
Pin Code: 110019
ICICI Bank — unauthorised debit in savings account
i have savings account no.[protected] with icici bank ambala city, haryana.on 30th january 2009 bank has made debit entry of Rs. 13, 054
on enquiry from bank it was informed that debit was made for payment of credit card no. [protected]
i have never applied for issue of credit card
please get the credit o[censored]nauthorised debit in my account
ICICI DEMAT SERVICE — Quarterly charges cut
I have an A/C of ICICI BANK with ICICI DEMAT SEVICE. During opening they said that you will have zero balance facility because of having demat A/C. but this is the third time when i had to pay 900 Rs. as Q. Charges for not maintaining my accont with 2000/- Rs. even my friend also have same A/c as my self. but he has Zero balance facility. when i tolk to demat service they say we can't do anything that is not our fault and same thing said by Icici bank. so kindly instruct me what should i do to get my money returen. I KEEP TRYING TO OPEN A BANK ACCOUNT WELL ACTULLY I DO OPEN A ACCOUNT WITH BANK OF AMERICA AND WITH IN TWO DAYS THEY CLOSE MY ACCOUNT SOMETHING ABOUT 2006 WHEN I HAD A ACCOUNT WITH THEM BUT ACTULLY I PAID THOSE CHECKS THATS HOW I GOT MY APT.
I am an account holder in icicibank Rajahmundry. to my surprise an sms was sent to me to pay credit card dues. I never took any credit card from the said bank. please verify and inform tome vasprao
ICICI Bank — Quarterly Charges
Sir,I am a musician since 2002 and I opened a savings account in ICICI during 2003. At that time the bank said savings account eligibility is to maintain Rs.5000 balance minimum. Later since 2006 I came Mauritius and staying here. The bank has renewed its rules in 2007 july that Rs.10000 minimum balance should be maintained but I was not aware of it as I am in Mauritius. My balance was approximately 6, 500Rs at that time. Now throught internet I checked I noticed they have levied nearly Rs.3, 300/ from my savings account as Quarterly Average Balance charges. This is not justice at all. How can they suddenly change their rules. I am not able to deposit any funds from here till today. My very hard earned money is going like this. I am really hurt by ICICI Bank. They could have atleast block the account in order to make their customers maintain minimum balance. But taking the customer's money in this way that too so much high charges are not acceptable.
Hi,
We're sorry to hear of your experience. If you can write to us at [protected]@icicibank.com with your phone and email contact details along with your account number, we will contact you.
Warm Regards,
ICICI Bank
We're sorry to hear of your experience. If you can write to us at [protected]@icicibank.com with your phone and email contact details along with your account number, we will contact you.
Warm Regards,
ICICI Bank
wah bhai wah
whtAT A BANK
whtAT A BANK
ICICI Bank — regarding notification of minimum balance
sir i was not notified by the icici bank that the min balance for my account is Rs 10,000 . so deducted lot of money fro m my account in the recent month without any notification.i have subscribed to email notification also but no message came to my email id. i want my money back. Sir,
I am having a saving salary bank account (Acct no.[protected] in ICICCI kanpur branch . an
amount of Rs 55( RTN CHG 256) has been deducted from my account. Kindly inform me why it has
been deducted from my account.
Thanks
SS verma
I am having a saving salary bank account (Acct no.[protected] in ICICCI kanpur branch . an
amount of Rs 55( RTN CHG 256) has been deducted from my account. Kindly inform me why it has
been deducted from my account.
Thanks
SS verma
ICICI Bank Credit Card — UN FAIR CHARGES
December 25, 2009The President,
Delhi Consumer Disputes Redressal Commission
Vikas Bhawan, Near C.R Building,
I.P Estate, New Delhi-110002
Sub: Wrong debits by ICICI Bank despite their customer care agreeing to waive off - consequent multiplying o[censored]ndue charges, Credit Card No. 4477 XXXX XXXX 4009;
Dear Sir,
I have used above credit card since May, 2006 paying all dues on time as per card statement received by me. The August 2007 Card statement did not reach me. Thereafter
a series of debits on a usurious pattern have been put on my card statement by Bank.
I have paid all usage charges regularly on time and there are no dues on my card on this account. The amounts being shown as due (above Rs. 50,000.00) have arisen due to wrong charges initially agreed to be waived off by the authorized executives of the Bank but not waived in actual fact.
I therefore pray that these wrong and unjustified charges be cancelled and the Bank be directed to desist from indulging in usurious practices and unjustified threats to me and I be compensated adequately and exemplarily for the mental sufferings and insults heaped on me by the Bank for no fault of mine.
All my efforts to get this matter resolved through various levels of the bank have not succeeded. I am therefore approaching the Banking Ombudsman seeking justice and protection from the usurious and threatening practices of this large Bank as I find myself totally helpless despite the fact that I have done no wrong.
On October 31, 2009 I met a Bank representative based at Nehru Place who invited me to meet him at his office. After understanding and even agreeing that I have been wronged, he expressed his inability to settle this matter as the amount had grown to a level beyond his powers and suggested that I approach Banking Ombudsman for a satisfactory redressal of the issue, only then the Bank would agree for a waiver even though it is justified. Therefore I am approaching you.
Sequence of events are relater under and a comprehensive statement of all charges on my Credit Card, with details of payment and the unjustified additional debits which were agreed to be waived upon my contesting on each occasion, is attached.
Sequence of events
On or about October 9th, 2007 while paying for another card statement I remembered that the card statement of ICICI Bank had not reached me for some time so I called up their Customer Care to find out what are my card dues as I have not received any card statement. Upon finding out the dues from them I paid all dues on Oct 10, 2007.
In the following month Oct 2007 Card Statement I discovered some late payment and interest charges. I called up their customer care objecting to the extra charges. The Customer care executive accepted my plea for late payment being due to non-delivery of card statement and agreed to waive the extra charges advising me to pay all usage charges and not pay the extra charges which he had waived off but would reflect in the following month’s statement. Accordingly I paid all usage charges within due date.
In the next month (Nov 2007) card statement did not reflect any waiving off of the extra charges instead more additional charges as a consequence of the earlier extra charges were debited. I again contacted their Customer Care and they again agreed that there was an error and all extra charges would be waived off which would reflect in the following month’s card statement. Meanwhile they advised me to pay all the usage charges on time which I did within their due date (which is a matter of record).
To my extreme surprise despite confirmation and assurances waived extra charges were never removed and the card statement for Dec 2007 was sent to me with all extra charges in place and to add insult to injury more/additional charges were added. There after the Bank made it a pattern to go on adding/debiting more charges to me.
Written representations - I made several attempts to get this issue settled. I wrote to their Hyderabad office on 2 occasions and to their Mumbai office which is a matter of record but without any response from the Bank. (Copies of letters attached)
Personal Visits - I visited their offices at Rohini on 3 to 4 occasions after due appointment but the executives at that level expressed their inability to settle the issue.
Conciliation Proceedings - On October 07th, 2009 I received a ‘CONCILIATION NOTICE’ from the Bank advising me to attend conciliation proceedings on September 26, 2009 but I also got a call from them on September 25th so I personally visited their offices at their VIDEOCON Tower office at 1.30 PM with full set of documents pertaining to the issue. To my surprise however only a chowkidar was present there who advised me that all the Babus have left for the day at 1.00 PM.
Serious objectionable calls from Bank Executives – Meanwhile, collection executives of the Bank stared calling me almost every day and at odd hours on my mobile phone in the evening or even on holidays. I strongly objected to these calls and explained to the callers that I have written in detail to the Bank and have personally visited their offices to settle the matter while I have paid all charges on account o[censored]sage of the card by me and they should first address the real issues and not bother me on phone specially when I am at important meetings or with my close relatives and friends on holidays.
Threats of dire consequences –if I did not pay what the Bank is showing as due, these executives threatened me of dire consequences and my credit standing would be spoiled damaging my credit rating for all times to come etc and that I am enjoying life with Banks money although my card was blocked by the Bank unilaterally without any notice to me.
An early action will be highly appreciated as it would save me from extreme mental sufferings, loss of face and loss of mental peace due to threats from Banks executives.
Thanking you,
Best regards
Uma Vaid
Enclosures: Comprehensive statement of payments.
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ICICI bank SB account — deducted money from SB account without any instruction from customer and without justification
In the month of February 2008 ICICI Bank has deduscted Rs.59, 000/- from my SB account as I could not pay credit card dues for 3-4 months due to personal problems. ICICI bank representative was in touch with me during those crisis period of mine and finally I resumed paying in the month of November 2007. In between without my knowledge and instruction they had imposed and freezed some heavy amount of Rs.65, 000/- in my account and thats during when I already started paying, after getting harassed in everyway by various officials of the bank and escalating the matter to Mr.K.V.Kamath, so called CEO of that bank who doesn't have the guts to come back to a customer with any justification, they finally deducted the money from my account without my written or verbal or any instruction. I am filing a suit against the bank and taking very strongly with RBI also this case. Want to take ICICI Bank for a task for this.