[Resolved]  ICICI Bank — Unethical charges

7th of every month 709 rs gets debited from my account for LIC. But this month the primium was due on 6th, which i was not informed about either by the bank of LIC. I had no sufficient balance on 6th June. But on 7th June i had deposited money for the Due. ICICI bank has deducted 590 rs from my account without notifying me. Firstly I was not informed that the due date will be on 6th of June and after that 590 was deducted. My primium is 709 only, but the charges is 590. When I called ICICI help line they say it's not their responsibility to inform or notify me about that due date is on 6th where I had signed the e mandate to debit the money on 7th of every month. And they say 590 is a genuine change. It's 83% of the primium. How is it genuine? And how do you expect me to pay this much when it's not my mistake
It is the banks responsibility to inform the customer about the due dates if the dates have changed without customers knowledge.
When I asked for refund, the response was very bad. They told that refund will not be done at any cost.

If I had informed about the early due date and then if I had no balance then the bank can deduct the amount, not when I was not informed about the early due date.
This is not fair ant not right.
I do have ICICI credit card, i received ton of reminders regarding the bill payment. Why is this? If they give us the reminders regarding the credit card payment, They have to give intimation of every due date of ECS as well.

It is very clear that it is the banks mistake where they allowed the merchant to debit my money a day prior of the due date which i Agreed to. And not giving me the intimation about the same.
I want the refund of MY 590 rs.
If I'm not getting the refund. Let me remind you that the organisation where I'm working, about 80% of the employees have account in ICICI Bank. I will be forced to reach out to our accounts team and inform the employees to close the accounts in ICICI and open their account elsewhere.