ICICI Bank — Deduction of 17,000 for ECSRTNCHGS by the bank without prior intimation

Address: Old Madras Rd, Bengaluru

Hello Sir,
I’m sending this mail out of dire necessity. Recently, I converted my old dormant ICICI savings account into a salary account. On the 26th of March, 2024, I visited the nearest ICICI bank branch at Embassy Tech Village, Bellandur, Bangalore, for assistance regarding the conversion of the account.

On the 4th of April, I transferred my entire salary of ₹30, 000 from HDFC bank to my ICICI savings account (Account number—[protected]. The wages for April is to be credited next month to the ICICI bank account, so I wanted to check if everything is functional after being inactive for over 18 months.

A few hrs later, when I checked the balance, it was down to ₹13, 121. A total of 30 deductions were done, valuing anywhere between ₹236 and ₹590 per transaction. These were all under the ECSRTNCHGS category.

For a huge deduction of ₹17, 000, is it not mandated to inform the customer? For someone whose entire month is dependent on this salary, should he/she not be aware that there are pending dues that need to be cleared?

For a single penny credited or debited, messages are sent via SMS. Unnecessary marketing and pre-approved loan sms are never-ending. But how come there was not a single automated message about 30+ deductions.

Help me understand: how does someone manage her entire month's expenses when she has to unknowingly pay a fine she wasn’t aware of? There was not a single call or email or message in the past 2 yrs informing her of the dues. But the moment she decides to convert her account and deposit her first pay, she loses the entire fund. There was not a single sms, call, or email about it. So how was she to know that she had to pay an overdue bulk amount?

I would like the banking authority to please asses the situation and help me out. For a loan cleared over 3 yrs ago, these charges were due not mentioned via any communication. ₹17, 000 is not a small amount. Please help me reverse the charges. I have bills and rent to pay.

Bank Name: ICICI Bank
Branch Name: Old Madras Rd
Account holder: Debaleena Chowdhury
Savings/Salary Account number:[protected]