[Resolved]  ICICI Bank — Deduction of SMAB charges without informing about the charge

Address:

Darjeeling, West Bengal

Hello, I am having a salary bank account in ICICI Siliguri branch since last three and half years and my account number is[protected]. My contact number is [protected]. I was just checking my mini statement and got the shock of my life. My account has been debited by SMAB charges for more than 11 times since last 1 year or so!!! From my bank statement, I can see that the charges were deducted on dates respectively 26/12/2013, 15/01/2014, 16/01/2014, 22/02/2014, 13/03/2014, 26/04/2014, 02/06/2014, 30/06/2014, 06/08/2014, 04/09/2014 & 27/09/2014. Each time the deduction was for 393.26 rupees which adds up to an astounding 4328.86 rupees. I tried calling the Siliguri branch but there was no response. I don't have any mail informing about this SMAB charges. I have no prior information from ICICI. No call, mail or text. I used to get notification if I did shopping using my debit card for even 10 rupees but no notification message in these cases where the sum amount was far more. Obviously the reason must have been to cheat me without notifying me so that you could steal my hard earned money slowly without my notice. Now that I understand that ICICI bank has not informed me about charge of balance system, hence any deduction from my account for the same is totally wrong and if charges deducted are not credited back to my account then I will be left with no other option but to take this matter to higher authorities & Banking Ombudsman as this is a CLEAR VIOLATION of Rule 8(1)(k) i.e. "levying of charges without adequate prior notice to the customer" of The Banking Ombudsman Scheme 2006.