ICICI Bank Complaints & Reviews

Guys, what the hell is happening.

Just in this 2 months there is a deduction of 1847.9 in the name of mab+s. Tax charges.

How could this happen? Currently rd is running in my account then how could you people deduct such large amount.

If you people are deleting so much then how could we have balance in our accounts?

I need a proper justification on your act.

My contact number [protected].

Ramya t n[protected] is my account number details

Head service quality
Oct 5

To me
Dear sir,

We refer to our earlier e-mail of september 27, 2016 regarding your savings bank account xxxxxxxx9196.

At the outset, we sincerely regret the inconvenience caused to you.

We are in process of investigation and co-ordinating with karnataka bank.

We would require some more time to address your concerns.

Please be assured that your concern is being attended to on priority and will write to you with the status at the earliest.

You may also contact the undersigned at[protected] for any clarification/assistance.

We look forward to your co-operation in the interim.

Sincerely,

Vamsi priya
Office of head service quality

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

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 emails 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: joseph stephen ([protected]@gmail.com)
Date: thursday, september 22, 2016 09:13 pm
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: re: 'icicicare=[protected]'


Your comments noted. I can wait till 27th sept, it will two months since the incident. I have not seen the copy of scanned cheque. Please can you arrange to send the same.

Rgds

Joseph stephen parapillil

On thu, sep 22, 2016 at 4:55 pm, head service quality wrote:
Dear sir,

We refer to our earlier e-mail of september 19, 2016 regarding your savings bank account xxxxxxxx9196.

At the outset, we sincerely regret the inconvenience caused to you.

We would like to assure you that your e-mail has accorded the seriousness that it deserves and we are working on your complaint. We will revert to you with the details by 21:00 hrs on september 27, 2016.

You may also contact the undersigned at[protected] for any clarification/assistance.

We look forward to your co-operation in the interim.

Sincerely,

Vamsi priya
Office of head service quality

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

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 emails 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."

From: joseph stephen [mailto:[protected]@gmail.com]
Sent: 06 september 2016 22:09
To: [protected]@rbi.org.in; [protected]@rbi.org.in
Cc: [protected]@specialoilfield.com; joseph stephen; head private banking /pcg/ibank/l-parel; ramanathan iyer /rclg/ibank/kochi; vikas sharma /wealth/isec/muscat; ajay cp /rclg/ibank/thsr; rachana chandran /rclg/ibank/thsr
Subject: fwd: cheque fraud

For the kind attn of smt. Uma sankar,

This is to bring to your attention that my complain with icici bank as per the emails below has not been resolved nor have been give a feedback. I have lost a large amount of money rs95, 000/ details of the fraud are breifly enumerated below-:

1) cheque details - crossed cheque809445 dated 20/6/2016 was in favor of charity organization st antony's shrine chetikad, kunjithai p. O north parur ernakulam for inr 25, 000. This was send by ordinay post from oman
2) the cheque has been cashed by one santosh survana shetty and amount withdrawn is inr 95000 on 27/7. I had send a message immediatly as soon i received the message of withdrawal on my gsm. I have been following up with the bank eversince but with no result. Please see the trailing emails.

I would appreciate if you could help me to get back my money rs 95000/ also investigate how a crossed cheque can be encashed in another name. This has shaken my faith in this bank. Till date i have not received any explation or feedback other than "we will get back to you"

I request you to kindly investigate to bring the culprit to justice and see if in anyway such fraud can be eliminated and request the bank to reimburse my lost money at the earliest

Thanking you

Joseph stephen parapillil


— forwarded message —
From: rachana
Date: fri, aug 26, 2016 at 5:12 pm
Subject: re: cheque fraud
To: joseph stephen
Cc: [protected]@icicibank.com, ram, vikas sharma /wealth/isec/muscat, ajay cp /rclg/ibank/tirur

Dear stephen sir,

As discussed

We will update you status soon

Regards
Rachana

On 8/26/2016 2:13 pm, joseph stephen wrote:
Dear rahul vohra (Head of private banking)/ram (Manager)/ rachna

Please note we are still waiting for a feedbackon your findings and action being taken. Also when can i get my money back??

You still have not arranged for a scanned copy of the cheque. On 27th aug we will complete one month from the date of the incident.

Rgds

Joseph stephen

On wed, aug 24, 2016 at 10:39 am, rachana wrote:
Dear stephen sir,

As discussed over phone

Regards
Rachana

On 8/24/2016 1:00 am, joseph stephen wrote:
Dear all,

I had a call on monday the from someone icici trichur office informing me that a cheque in favor of snehalayam had been presented for rs 16800. I informed the person that i had received a sms message already confirming that the cheque 809448 for rs 25000 in favor of snehallayam had been cashed on 20th aug.
This cheque presented for rs16800 is a fraud, i have relooked at all the cheques and find we have not issued any such cheque. Please ensure this cheque is not cashed.

I am disappointed that such important matter was comunicated to me by phone and not by email or sms. Please look into the matter and advise me. I am very concerned at the rate of progress and lack of information flow.

When will the bank reimburse the money i have lost.. I have not yet received a scanned copy of the cheque 809445 with the forged ammount and name.

Rgds

Joseph stephen

On wed, aug 10, 2016 at 10:03 pm, joseph stephen wrote:
Dear all,

Till date i have not received any acknowlegement of my complain by email. No response in writing, i am quite surprised by the lack of response
Rachana called me today and asked me to send the followeing information

1) cheque details - crossed cheque809445 dated 20/6/2016 was in favor of charity organization st antony's shrine chetikad, kunjithai p. O north parur ernakulam for inr 25, 000. This was send by ordianry post from oman
2) the cheque has been cashed by one santosh survana shetty and amount withdrawn is inr 95000 on 27/7.

3) i find another cheque 809448 for inr 25, 000 in favor snehalayam, snehagiri missionary sisiters, karoor, palai, kottayam dist, pin 686590 kerala posted on the same day (20/06/2016) by ordinary post has not yet been cashed. I am trying to find out if this cheque reached the address. Please keep a close watch on this cheque in case in has been taken and they try to encash by fraud.
4) please send me scanned copy of the cheque. Rachana indicated that your investigation team has found no signs of tampering. This is just impossible the only way they could have earsed the original payee would have to be by earasing or removing the ink by using some solvent.in both cases there would be tell tale marks.

Please acknowledge in next two days otherwise i have no other alternative but escallate it within icici and other redress channels.

Rgds

Stephen

On thu, aug 4, 2016 at 3:49 pm, joseph stephen wrote:
Please note i was told by rachana that i would be contacted by icici fraud investigation team on tuesday2nd aug. Till date no one has contacted me. Can you please revert with an update and your initial report on how this happened and action being taken to recovery the funds.

Your early action would be appreciated

Rgds

Stephen

On thu, jul 28, 2016 at 3:28 pm, joseph stephen wrote:
Dear rahul vohra,


Please see the trailing email in which i had send yesterday to ms rachna a complain of fraud. I yet have not received update of action being taken by icici. Could you please intervene and look into the matter.

Rgds

Joseph stephen fid 1240

— forwarded message —
From: joseph stephen
Date: thu, jul 28, 2016 at 12:10 pm
Subject: re: cheque fraud
To: rachana, ram, vikas sharma /wealth/isec/muscat
Cc: "[protected]@specialoilfield.com"

Attached statement

On thu, jul 28, 2016 at 12:08 pm, joseph stephen wrote:
Dear rachna/,

As per sms and then telecon yesterday. Please find my statement fort my account[protected]. My crossed cheque809445 was in favor of charity organization st antony's shrine chetikad for inr 25, 000. The cheque has been cashed by one santosh survana shetty and amount withdrawn is inr 95000 on 27/7. I am waiting for your reply.

Vikas-please follw up on by behalf.

Rgds

Tephen

Transaction of rs 15198 made at van heusen, oberoi mall, goregaon, mumbai on 31.08.2016. Icici bank has displayed put up of 10% cashback on purchases made through icici debit / credit card.

The cashback has not been processed till date. Whenever the same is raised with customer care neither do they provide a solution nor do they raise ticket citing technical issues.

Dear Sir/Mam,
As per my conversation with you I need to bring to your attention my experience as an ICICI Bank customer.My name is Mr Prasanta kumar dash.residing at plot no-LB 188, Bhima tangi, Bhubaneswar, orissa-751002 had availed of an ICICI Bank credit card just 1 year ago. I decided to close the credit card thats why i am calling to concerned agency from my side and i was also give all details like my office address and mobile number also.Then Mr Prakash jena and his executive came to my office introduce himself as a deputy manager of ICICI bank.I am telling him all the problem why I am diffulter in ICICI bank. after getting icici credit card i have loss my job for 1 year and also suffering family financial problem till now. i am only the income source of my family and after sell all gold ornaments of my wife i have collect 30k for settelment but they force me and threaten me to give final settlement 45k.

1 Shouted at my family member and gave mental torture.
2.Used foul and raw languages
3.Gave threats and was very abusive.
4.Taunted and tried to humiliate.
5.Done some indecent act.
6.He was adamant and said that he will come in the night time to disturb till the time we do not pay him.
7.He was very rude and harsh and kept on shouting.
My mother gave him a date to come and collect the payment but he was shouting and saying that he would sit at my place all day till the time we don't pay him all amount.
And to mention a few words that he used, have a glance at the following utterances of that person –

1. "Jab tumhari paise wapas karne ki aukaat nahi hai to fir credit card kyun lete ho"
2. "Ya to payment kar de, warna bahut tarike hain bank ke paas paise lene ke"
3. "Ek o tu payment nahi kar raha hai, aur upar se pooch rahi hai.

As per my knowledge these rule must be followed by agency while collect money from customer.

Identity: You can ask the recover agents to show their identity cards issued by the bank or under the authority of the bank.

Privacy: You have a right to privacy. The recovery agent cannot discuss the debt to another person. So don’t panic if he threatens to tell neighbours or co-workers about your debt. If he does so, you can file a complaint against him with the bank.

Time: The recovery agent should contact you between 7am and 7pm. However, if your working hours or work shift does not permit this, you may be contacted beyond this time limit.

Calls: You can choose the place and time for receiving recovery calls. You can also request them to not call you at a particular place or time. For instance, if you don’t want to receive calls at work, specify the same to the agent or the bank. Keep in mind, they will respect your request only till they feel you are not avoiding them.

Decency: The recovery agent has to talk to you in a decent and civilized manner. No abusive language should be used. Also, the written communication sent by the banks should be easy to understand.
Investigation: If you file a complaint against a recovery agent, the bank needs to investigate the matter. This makes recovery agents accountable for their collection practice.

Inappropriate occasions: If there is a death in your family or any such event, you can tell the agent not to call you or make visits for a few days.

Records: Banks document the content of conversations between customers and agents along with the time and number of calls. Banks also need to keep all copies of communications sent to customers.

But the concerned agency dont follow these rules and regulation.i kow after giving this complain he also take action against me and with my family if anything happens the concerned agency and bank also responsible for this.

Kindly do the needful...

Prasanta kumar dash
mob no-[protected]

permanet adress-at/po-nagapur
via-gop, dist -puri.
present adress

plot no LB 188

PHASE 2 KAPIL PRASAD

BHUBANESWR.
PIN-751002

MAIL ID -PRASANTA.[protected]@GMAIL.COM

Transaction date 10/10/2016
ShopMantraa_EPayKerela 8, 320.00 Dr.
Ref No. of bank "74678446285516019180142"
This is a transaction about which I am not aware of. It is a transaction of a credit card. I categorically state that I have not made this transaction.

Upon going through the internet, I find a number of fraud entries and complaints in the name of "ShopMantraa_EPayKerela" .
_____
12/10/16
PayTMMobil [protected]- 9, 999 Dr. Time 19:41
and
PayTMMobil [protected]- 9, 999 Dr. Time 19:44
This are debit card transactions about which I am not aware of. The authentication is of 3D Secure Pin.Hence bank has rejected my claim.
I categorically state that I have not made this transaction.

I have already lodged a complaint with the Local Police station.

I'm (Supratim chattopadhyay) holding a sb account (No - xxxxxxxx7090) in your bank and one fraud atm transaction of rs 2499 happened on my account on 13/09/16 evening and i immediately reported the same on 13/09/16 evening to your customer care number (To mr dinesh) and requested to take action and as per him the beneficiary account was of mr. Dharmendra kumar (Later came to know with ac no[protected] of gomati nagar up -226010 branch) and due to having some previous complain/issues with it his account is marked "debit freeze" and advised me to be rest assured that he can't withdraw the money and someone will call me back on that from concerned fraud cell to talk with me.
Next day i approached vikhroli laxmi apartment branch and complained at the branch (To mrs apporva & deputy branch manager mrs dolly pinto), they again asked me to talk to customer care to register my complain there first, so i spoken to mr sushant yadav on 14.09.16 and he gave me the sr no[protected] and told same thing that customer account is debit freeze and he can't withdraw the money and icici will investigate and call me back.
Since then i repeatedly spoke to icici cutomer care supervisor mrs priti shahu on 19/09/16, 26/09/16 and also other dates in between 19/09 to 26/09 to get update and every time i heard mrs. Priti has sent e-mail to the vikhroli laxmi apt branch dbm mrs. Dolly pinto, mrs apporva on that issue and spoken to beneficiary accounts home branch i. E gomati nagar branch manager to take resolve this issue and waiting for their response. But everytime she assured me to wait till the investigation completes and some person from icici will call me on the same.in between i even lodged a police complaint at vikhroli parrk side police station on the same. Even last week 04/10/16 i visited the icici vikhroli branch and discussed the matter and the branch manager told still the beneficiary account is debit freeze but no further action recorded on my complain on your system, so they will call the gomati nagar branch manager to discuss the matter.
So i called back your customer on 04/10/16 and wanted to get the update why no further action taken on the matter from mrs priti but since she was not available the customer care lady arranged an call back from her but she not called me back till today. I got some information from supervisor mr. Kranti that amount rs 2499 has been blocked and icici bank itself has made some dd to safeguard that money but investigation still not finished. Even i received a call 12/10/16 from supervisor (Mrs priti shahu) team about the dd and they enquired about at which address i would like to get it delivered and i confirmed about my communication address. Now all of a sudden on 18/10/16 i received a call from icici team ([protected]) that icici currently unable to refund the money back and i need to proceed legal path. My point, it is my money transferred incorrectly and they confirmed about the transaction and beneficiary is suspicious & absconding and not genuine (With forge kyc details at bank) one. Beneficiary already had some pre-registered issues with bank and that's why its account was marked debit freeze. However to complete internal formalities icici tried but failed to track/contact the beneficiary after several effort and finally they made the draft to protect my money. So it is clear case of fraud account holder with your bank with fraud kyc which i highlighted after the issue. Although it is clinically proven and icici did all back office investigation and safeguarded my money looking at the merit of the investigation & complaint but not refunding it to me (A genuine customer with valid kyc, who gave proofs to catch those frauds). Then what is the outcome of your investigation & my complaint? You must have some provision to do the same.
It surprise instead of helping a genuine customer of your own bank you are trying to bypass the main issue and putting it to someone else shoulder. Although police complaint already registered from our side and they will do their job but what action your organization will take to protect such mischiefs. As it is primarily banks responsibility to safeguard genuine account holder and take immediate actions & approach to police on such reported issues.
Regards,
Supratim chattopadhyay
[protected]

Hi I am pran Krishna. I haven't subscribed My Money service but still annual fee for- oct16-sept17 345.00 rupees deducted from my account without any prior notice or any calls from Customer Care. Most annoyingly I can't even find 'unsubscribe' in the my money console.I really got pissed off.
Please unsubscribe me from My Money service and pay back my money.

Trans id BIL/[protected]/MM annual fees oct16-sept17/176495

ICICI bank is a very fraud bank. It has all the facility to give on paper but the ground reality is that it takes almost a month to know the status.

I applied for the Credit Card of the aforesaid bank (application no W[protected] on 03/09/2016 from the ICICI, Vasco Branch, Goa. The call which come earlier after applying online told me that the executive will come to your home and handover the card and all the necessary documents by hand, but instead I got a call and representative asked me to come to the office for formalities. I was shocked about what the executive says to me and what actually happened. I was told to have everything in my hand including card but only application was filled up.

The application took about 2 weeks to go to headquater as reported by the VAsco branch representative. There has been a lot of conversation between me and the representative of the ICCICI bank Credit Card, Vasco da Gama. however, what I only got is "I will check the status and will inform You as soon as possible".

Its almost one and half month and still I did not receive any credit card.

It was once reported that my application is put down due to address... I wanna ask the Bank Officials that what is more important Me or my address???? They can come to me and I can lead you to my home.

It is very irrelevant that despite several effort, credit card application is being reject for a silly cause.

A simple question comes to my mind, Is it too difficult to get credit card in ur esteemed bank??? If soo, tell me frankly..

Unncessary correspondence and telephonic call is a question mark on ICICI Bank Credential.

Overall I had a bad experience of banking in this reputed bank

My FD which was due for maturing on 5th June was not returned by the bank.
After continuous followup with the bank, after three months they come back with a lame excuse of "System Error".

I am quite surprised and shocked how can such a big bank have so many glitches especially being a bank and handling crores of customer money.

God knows what other errors would such a big bank have internally.

I want to report the theft of Rs 1 lac from my bank account on 14.10.2016 between 10:45pm to 10:55 pm
There were 5 separate ATM cash withdrawals from my account of Rs. 20, 000 each i.e. (Rs. 20, 000*5) = Rs. 1 lac
During the time of the transaction the ATM debit card was with me, only I am aware of my PIN number, and I did not withdraw the money.
At this time, I was Bangalore and I received 5 sms from the bank informing me of the transaction.

I went to the nearest ATM and changed my ATM PIN and reported the matter at the Police Station on 14.10.2016 night but they asked me to visit the police station again the next day to lodge a complaint. This is a proof of the location I was at along with the debit card at the time of the incidence.
I also called up the ICICI Bank call centre immediately and informed them of the incidence. The immediately blocked my debit card and gave me a service request number SR[protected] and asked me to visit the bank branch to take the request further. I was informed by the call center that the 5 fraudulent withdrawals have happened in an ATM in Thane Mumbai.
The bank was closed due to holiday on 15.10.2016 and 16.10.2016.

I visited the ICICI branch on 17.10.2016 morning and met with the branch manager - and shared the details mentioned above, who requested me to get the Police FIR to take the request further.
I visited the Police Station and obtained the FIR copy

I again visited the ICICI branch and handed over the below documents to the Branch Manager:
1. FIR copy
2. Letter addressed to the branch manager stating the theft details
3. Debit card xerox copy
4. Photo Id proof xerox copy
5. Card member dispute form.

My Expectations:
1. I expect the bank to immediately deposit my money (1lac) which has been fraudulently withdrawn from my bank account.
2. Pay me the interest for the duration the money is missing in my account
3. Give me a detailed justification on how can there be such a security breach of sensitive data at the bank
4. Compensate me for the security breach
5. Compensate me for the mental harassment I endured due to this incidence
6. Replace my Platinum Debit card free of cost

Hi,

I have a Salary Account with ICICI Bank. Today I noticed that I have been changed a sum of 28 Rs twice on the same date, I don't know for what.
After searching on Internet I figured out that they are ATM decline charges. I never made any transactions on the date (17th Oct 16) these charges were deducted. In the transaction remarks it is mentioned that the transaction was made on (01 Sep 16). So the transactions were made on 01 Sep and the deductions were made on 17th Oct. This is absurd to deduct such charges from the customers.

The charges were deducted twice on the same date. Details below.
ICIC bank a/c[protected]
17/10/2016 - ATMDEC CHG/01-09-16/7215/+ST
17/10/2016 - ATMDEC CHG/01-09-16/7215/+ST

Regards
Vijay Singh

Dear sir, I received your mail but I am not satisfied with. My question is, , when I deposited the EMI for Sep16 on 05.10.2016 in the loan account prior to 5 days of the due date and at the same time I mailed to customer care with a scanned copy of amount deposit slip through ICICI bank, Berhampur being advised by the Asst. Manager, why did you send a cheque to HDFC bank again. That means knowingly you were willing for double collection for single EMI. If you want to verify I can send you the mails I had sent.
Again I had also cleared that from this month onwards the EMI will be deducted through my ICICI bank savings bank account which is under process.
Again as a pension holder I had also requested to decrease the EMI and increase the tenure many times, but which was not yet responded.This illegal penalty should be waived out. as I am not a defaulter.

My gift card was expired on 07/16 what to do for activate please inform me my mobile no [protected]

I am Bhalchandra Dinkar Gahiwad.
452.00 rupees has been deducted from my account as[protected] DP CHGS TILL AUG-16) charges on 14/10/2016. I have never activated and used my demat account till now. There was no prior notice. I haven't received any deduction message to my mobile. I need justice and my money back immediately. My account number is[protected].

Dear sir,
We have use our icici atm card through indusand bank atm ashok vihar phase 3 gurgaon on 14th may 2016 for withdrawal the cast but we have not receive the cast through atm & amount rs.10000/- has been debit in my account.

We have raise complaints at icici customer care department but not resolve after that we have raise the complaints to icici branch (Gurgaon sector 14) & asking the cctv footage but no +ve response & still we have not received the cctv footage,

We have already visit the indusand branch gurgaon sec-14 but he was not ready to raise the complaint against this.

So request to you pls help.

I nagini. ch gave my cr card to my husband on sep8th 2016 he did two transactions from sr nagar hyd icici branch atm. first transaction was successful i got rs500/-, but the second transaction failed for the amount of rs5000/- after i swiped my card and entered the pin no the transaction was cancelled and machine did not disperse the money.
Immediately i got messages to my mobile stating that 2 transactions were successful then immediately i called customer service and told her that i didnt get rs5000/-.
Initially cust care executive told me that statement is simply showing like that and you will get your money back within 24 hours which did not happen till date.
I got statement including the rs5000/-
I launched complaint regarding this issue. they were telling that transaction is successful and i have to pay the amount. i was telling them very clearly that i did not get the amount from the atm machine and to check the cc camera footage and in that particular atm machine balance at the end of the day.
I was not at all happy with your investigation team. if they would have done investigation correctly, then they would have not created all this problem for me.
As i already got fed up with this issue from the past one month emailing is my final try and i am not going to pay that rs5000 at any cost.
Hope you guys will resolve this soon. i never expected this kind of service from your bank.
Complaint no: sr[protected] which they closed it with out even intimating me.

I am Rameshbabu, my credit card no.[protected].
My bill dated 12/8/2016- owing amount was Rs.19953.07 with last due date 30/8/16.
I paid the owing amount Rs.19954 on 13/8/16 ( 17 days before last due date).
Therefore this Rs19953.07 should not appear in the bill dated 12/9/2016.
But I got shocked seeing the Rs.19953.07 as previous balance.

Kindly recheck my due balance again for the paid amount and give me clarification.

Hi,

My icici credit card no is : [protected]
i had paid all my bills on time, but still in statement generated on 15th mar you have applied a late fee and interest charges along with service tax.

I had requested you to waive off those late fees as i have made payment on time ie 4th mar as per due date mentioned but due to weekend and holidays you have received the payment late ie 8th mar.
But instead of waiving off those charges, each month you keep applying new late fee and interest even though i am not longer using your credit card nor there is any transaction balance payment from my end.

Please check my records waive off all late fee and interest you are applying for no reason.

Account Number[protected]
IFSC 0000047
A bangalore based real estate company issued and contine to issue 100s of cheques, and all cheques in 100 are bouncing with INSUFFICIENT FUND'
ANd the bank allow the account holder to further issue .When there is no fund for the 2nd time or 3rd time when the cheque is presented why don't the bank blacklist and stop the nuisance.
Means as a receiver how to trust the banking system.Please verify in this account there are 100s of bouncing of cheques.

Dear concern
my last bill ganarated to 28 sepetember 2016 in this bill mantion 575₹ over limt charges .
i request you to plz waver off this charges because of i am very old customer of your bank . and 575rs charges againest 11₹ over limit use not gastify .today is the last day far bill payment so kindly revert back ASAP
Ajay Bhartiya
[protected]