ICICI Bank — deduction of rs 1899 from my savings accounts by the bank.

Address:

chennai

ICICI bank savings account number[protected]
Name Sathyamurthi

Today i found ICICI bank deducted Rs 1899 from my savings account. Upon asking customer care they said the bank had deducted from my account due to my consent to join for some scheme. Further they said that few days ago somebody would have talked to me about this scheme. i asked her to show any evidence of my consent to join any scheme in any written form . Obviously i am had not consented for any scheme by paying some money.

Let me explain how they manage to take your money under some pretext.

Few days back some one called me and said they are calling from ICICI ( At that stage i even had a doubt whether they are really from ICICI or some fraud, so i wanted to get away as soon as possible) He was speaking at super fast speed talking about some scheme. In between he kept asking me whether it is clear to me. I am so bored and only way i could get away from him is to say " it is clear' At no stage he said that i have to pay Rs 1899, nor i said at any stage that i am willing to join in any scheme,
Then few minutes later some one called me and asked whether i had understood . So i said it is clear. That is all .

after few days i found today that money is deducted, and citing the above incident as my consent.
It is beyond my comprehension where i consented to join any scheme.

The customer care agreed to withdraw my name from scheme and they will intimate me in 6 working days. i wonder what would have happened if i had not seen email or saw it after a few days.

My complaint is
1) ICICI intentionally spoke in such a manner to make the victim to say something .
2 they never said explicitely that rs 1899 is the fee for the scheme.

3 ) Though i had not agreed to join any scheme, i could have agreed also if the scheme is just a benefit, without any payment from me. And same scheme i could have refused to join if the details of payment is made clear.
So the way they treat as my consent is nothing short of cheating the customer. If they are so honest they could have sent an email about the scheme and attach a agreement paper or ask me to transfer the money.

4) how any bank can deduct money from anyone's account without the real consent either through system or through some paper.
I wonder whether it is allowed in the Indian banking law.!

5) If the bank is sure that i made the consent then let them show any of the voice recording of their chat with me.
regards
sathyamurthi