ICICI Bank — illegal penalty charges levied against the repayment of loan account

Address:

Kottayam, Kerala

I have found cash debit amounting to Rs.2805 from my SBI account no. [protected] in terms of illegal and invalid penalty.The loan installment set through ECS repayment mode from my SBI account no.mentioned above started in the month of january 2017 and the repayment was made successfully through ECS in this first installment in jan2017. Then from February the ECS process failed and I made timely repayments through RTGS from my Kottayam District Co-operative bank account as I was asked to do so by the ICICI bank executives.I continued making the timely repayment through RTGS from KDCB till October2017 .Fortunately, I came to know recently that ICICI bank has been charging a fine of Rs.295 from July, August and October and debited Rs.1920 in September from SBI account illegally without my knowledge. Since I have'nt failed to make the installment in time and had maintained sufficient balance in my account when ECS was in effect, there exists no valid reason to penalize my SBI sccount.
I request immediate follow up from the bank executives on this issue to refund the amount of Rs. 2805 into my SBI account asap.