Sir/Madam,

This is to lodge a complaint against ICICI Bank Savings Accounts dept and Credit Card Department who has illegally deducted the amount from our joint savings account on lien/Also Debited for a credit card outstanding, which we never knew . There was absolutely no communication (via email, phone call and hard copy of letter).

Due to this I have faced many difficulties like unable to meet my medical emergency as all my money is taken away by bank . When I enquired and asked explanation about this they ( Bank Officials) even denied to give any letter or explanation on this .

I was not at all contacted either by Credit Card Dept or Any bank Dept that they are taking such a action forcibly, wherein I have never taken any such credit card or I do not owe any sum to the bank. The bank even did not gave me chance / time to even respond to their such acts .
I think nobody’s savings / Joint accounts are safe with the banks as they have never informed or taken signatures of us at the time of opening Joint savings account at Mira Road Branch that they can even withdraw our money without our intimation .

I think this is a very serious matter and we consumers are exploited vulnerably in the name of bank’s terms and policies and are left helpless. if there is any medical or any kind of emergencies to us which arise due to bank negligence attitude.

Particularly I have following queries/ complaints from my side:


1. Why wasn't I and we contacted about details regarding the case, as I have joint account with my husband ?

2. Why was I not informed about the one sided decision taken by the bank? And they even didn’t gave us chance to reply also ?

3) Can bank exercise these illegal debiting powers to Joint savings accounts where people keep their money to meet any sudden emergencies ?

4) What is the fault of second account holder if there is any sort of outstanding credit card in the name the other Joint account holder ?

5) How they can forcibly collect credit card outstanding dues even when the account holder had never requested for it . Also credit card can be obtained very easily even if you have just PAN card copy of somebody’s else ?

6) Does Credit card holder signs any such hypothecation agreement with the bank or give any right to collect forcibly dues from other Joint account holder , who is never in the picture at all?


From Natasha S Rami Cell No 9869073142

( Joint savings account holder with Saurabh M rami ICICI bank Mira Road , srushti Branch )

Hi,

We are sorry for the inconvenience that is caused to you.We have made a note of your mobile number and shall get in touch with you at the earliest.

Regards,
ICICI Bank Customer Service Team.

I have a Joint Savings Account with ICICI Bank, Mira Road East Branch since the last 3 years:

On friday, ie., 20/08/10 went to withdraw cash from ATM, and found Rs. 49,310/- have vanished from my account without my knowledge. I called up the Bank Branch Manager and he told me that some kind of LIEN was issued on my account which was in regards to some credit card.

I am in no possession of a credit card from your bank. I was astonished to know that there was a credit card on my name and i was not even aware of it.

Then, suddenly on Monday ie. 23/08/10, I come to know that my account has been debited with the full amount and my balance is Zero.

I talked to the customer care dept a couple of times to get a complete idea of what all is happening and they finally asked me to go to the collection officer, who was more than adamant and arrogant to inform me that there is nothing he can do about it and the only way I can get out of this LIEN was to pay the amount.

Now, my query’s are :

1) Why wasn't I called or mailed (or emailed) before putting a LIEN and then debiting my Joint Savings Account, (As a rule the bank is supposed to give at least 7 days notice before debiting the amount from the bank). Then, why was I not informed about the lien to my account?

2) I also have another address where i do not stay since April 2006, So in case if someone sends a credit card to that address without me even knowing about it, do you expect me to pay for it????

3) It is very easy to apply for a Credit Card by anyone, in someone else’s name as I guess it requires only a PAN Card, which can be found by many people ( I have given to the bank while opening a bank account, and many other departments where photo ID proof is required). Therefore, how was the credit card issued and delivered without my knowledge?

I have had a fantastic relationship with ICICI in the last so many years on all fronts. This has been the first time i have faced such an issue with your bank.

I have at total of 4 Accounts (1 Joint Savings Account, 1 Savings Account in the name of my wife and 2 current accounts) with ICICI Bank, but now I feel my money is not at all safe with your bank.

I request you to please take this matter on high priority and get me a resolution ASAP.

I am extremely dissatisfied with the service ICICI has provided me this time round.

Regards,
Saurabh M Rami
9869073142