[Resolved]  ICICI Bank Personal Loan — Money transferred into my account without my consent

Dear Sir,
I producing the letter which i have written to the Bank Chairman, whrere i have explained the whole problem.
================Letter Sent to the Bank==============================
Pamu Kumar Swamy,
501, Blacksmith Park-II,
Plot No.14, Sector 16,
New Panvel-410206.


Dated: 3rd August, 2008

To

The Chairman,
ICICI Bank,
Mumbai.

Dear Sir,

Sub: CRIMINAL NEGLIGENCE OF YOUR STAFF – MISUSE OF MY A/C.
CRIMINILISATION OF BANKING.
Ref: My A/c. No.[protected] with Dadar Branch &
Credit Card No. ___[protected]____________________________________.

With reference to the above, I wish to bring the following information to your kind attention and solicit your immediate action.

I have the above a/c with your Dadar Branch and the said a/c which I have not operated for a period of Feb & Mar somewhere around 40 days. In February 2008.

As usual along with my credit card statement I have received an enquiry for availing personal loan & on receipt of it I have made some enquiries with the bank and told them I will come back if I need and as I never required I didn’t ask for any loan to my surprise I’ve checked my ICICI bank a/c statement/ balance in first week of March I have noticed Rs.50000/- has been credited in my a/c. since I have not deposited any amount in my a/c I have immediately brought the issue to the notice of Dadar Branch.

Then I was given to understand that the money has been transferred from ICICI Bank’s Personal Loan Division which I have never asked. As customer of the bank I have immediately informed the bank and asked S.R.58527453, dated 7th March, 2008 and in spite of repeated following with your officers as usual there was no reply from your end. All the commitments by your officers to solve the issue within 24 hours with no effect and whenever I call them for senior persons I got a constant reply that they are not authorized to reveal any senior’s name & their contact numbers.

But adding to my surprise all of a sudden a collection agent has come to my home for asking EMI of the loan which I have never asked for. The collection agent has taken the S.R. no and promised to take prompt action with authorities and close the issue.

Again the same episode repeated with no replies from bank, when I checked with the back officers about the status of the S.R.s they asked me to raise one more S.R. bearing the nos. 62613813, dated 11.04.08 and again the back officer has promised to come back within 24 hours and resolve but nothing has happened till now.

I am a professional and getting paid only for doing my assignment I had no time to follow up the case but your bank personnel even they are paid for it never bothered to give a prompt response. This utter negligence in the part of your bank is very very irresponsible and resulting me lot of inconveniences. Now I got a notice from your bank’s legal department to pay the loan or to face legal action. Immediately I have contacted the person responsible and he has promised me to reinvestigate (I fail to understand the meaning of re-investigation) the case and come back to me within 5 days but he never replied.

Again, today i.e. 3rd August, 2008 I have called back your back office people regarding the issue and according to them, I have given verbal consent for loan on 25th of April 2008 against which they have credited amount well before on 7th February, 2008. THIS IS STRONG PROOF OF NEGLIGENCE OF YOUR STAFF AND HARASSING THE CUSTOMERS.

It is too much and I have no time to waste with you AND finally advise you to take prompt action and to solve the issue once and for all failing which I will be left with no option but to initiate legal action against the negligence on the part of your useless, irresponsible staff.

A line of compliance from your end will be highly appreciated.

Regards,

Pamu Kumar Swamy


=============END of the letter===================

now the curent scenerio is they have taken this Rs 50000/- from my ICICI account on 18th Aug, 2008 with out my consent. I thought the problem is over but now also i am getting the loan bill with the intersest.
when i am asking back office they say talk to their recover agent, ahen i spoke to their agents they say talk to the bank officer.

i would appreciate if you could extend your help to resolve this case.

thanks and regds

pamu kumar swamy