[Resolved]  ICICI Bank — Complaint against the ICICI Collection agent harassment- Mr.Prakash jena(pan india agency)

Address:

Khordha, Odisha, 751002

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