[Resolved]  ICICI Bank Credit Card — UNAUTHORISED TRANSACTION by ICICI BANK

This is KIngshuk Majumder and I have an Account with ICICI Bank for the past 3 years .and its a svings account[protected] with - balance will be Rs.2609.24/-, but now Rs.10423.07/-(NEGATIVE) balance and I have received the shock when see negative balance. For that reason a chq. No.172793 dishonored amounting Rs.500/-.

Your bank has debited all the money from my account without any intimation and I would like to bring to your notice that I had called up your customer Care department to ask them and they said that its against your credit card([protected]) bill.


Well Did I authorize you to access my account???? Why was it done without my authorization??... Does your Bank know what discrepancies I am having with the Credit Card department?? I had gone down to the bank to discuss the credit bills I was receiving and they told me to complain to the Phone Banking department as they are a different ENTITY..!! So, how could ICICI give the credit card department the authority to access my account?? I am hereby serving this as a notice that I would not like to be a part of such unprofessional Bank or have anything to do with them.

I will further make no payments at all and assure you that I will take legal actions against ICICI under Human rights.

My Uncle is the Editor of Statesman and I assure you that it wouldn't take very long to mark a copy to him so that he can put it up in the Grievance column for all other ICICI customer's and the public to know how ICICI is duping the very same people who think that ICICI is there for them and their money as u say "Hum Hai Na"!!

I have already paid Rs.27827.32/- against my principal amount Rs.27237.04/-. In that case I think I am not defaulter customer? I am giving you the details. Please see the DETAILS. >>>>>>

date perticulers EXPENCE PAYMENT REMARKS
3.05.08 su swagatam 435 0
5.5.08 chq payment 0 1000
6.5.08 vodafone 441 0
12.5.08 irctc 182.22 0 NOT UNDERSTAND
13.5.08 irctc 182.22 0 NOT UNDERSTAND
11.9.08 chq payment 0 1000
3.1.08 cash payment 0 500
7.1.08 vodafone 532 0
11.1.08 su swagatam 120 0
12.1.08 cash payment 0 1000
13.1.08 su swagatam 953 0
19.12.08 chq payment 0 1000
26.12.08 chq payment 0 500
10.1.09 vodafone 736.48 0
16.2.08 su swagatam 825 0
3.3.08 cash payment 0 1000
8.3.08 vodafone 520 0
16.2.09 su swagatam 965 0
6.3.09 chq payment 0 1000
23.1.08 su swagatam 909 0
1.2.08 vodafone 482 0
2.2.08 su swagatam 1376 0
9.2.08 su swagatam 545 0
10.2.08 su swagatam 845 0
12.2.08 cash payment 0 1000
29.1.09 chq payment 0 736
2.8.08 chq payment 0 1000
11.8.08 vodafone 1515 0
28.7.09 cash payment 0 960
20.6.08 irctc 261.63 0
22.6.08 irctc 84.49 0 NOT UNDERSTAND
27.6.08 chq payment 0 500
3.7.08 trinkas 450 0
5.7.08 trinkas 1500 0
8.7.08 vodafone 285 0
8.4.08 chq payment 0 2000
8.4.08 vodafone 627 0
14.5.08 irctc 0 131.32
30.5.08 chq payment 0 1000
6.6.08 vodafone 571 0
1.12.08 chq payment 0 500
14.10.07 lether club 1180 0
19.10.07 big boss 2000 0
24.10.07 chq payment 0 5000
30.10.07 rupasi bangla 410 0
5.11.07 cash payment 0 2000
6.11.07 vodafone 558 0
21.9.07 rainbow impex 2690 0
21.9.07 megamart 3000 0
9.10.07 palki 287 0
3.11.08 chq payment 0 6000
17.11.07 rupasi bangla 220 0
21.11.07 silver screen 514 0
24.11.07 big boss 1035 0
4.12.07 cash payment 0 1000
6.12.07 vodafone 614 0
TOTAL 27237.04 27827.32


I also have loan going on with your bank why don't you go and check if there ever has been a delay in the EMI? Code of the Loan is NCCAL[protected] (Consumer loan).

You only found Four (4) no. Chq. Dishonored bcz. Of insufficient fund. But I have made the payment in Cash. Bcz I m in verry serious problem.

In that case your bank will not get anything not even the CONSUMER LOAN which I have from ICICI BANK itself or else i will file a lawsuit against ICICI BANK in the CONSUMER FORUM under RBI GUIDELINES for messing up with my CREDIT, UNAUTHORISED TRANSACTION IN MY SALARY A/C, SPOILING MY REPUTATION, PUTTING MY LIFE IN DANGER and for MENTAL and FINANCIAL HARRASHMENT.

Please take this as a Notice from my side that I do not wish to be a part of this Bank anymore. & close the account and DO NOT EXPECT any payments towards any of your loans as well credit card.

Though I would like to NEGOTIATE on the CREDIT CARD PRINCIPAL AMOUNT DUE ? IF, the matter is resolved at the EARLIEST.

I need my money back.
Please reply ASAP