Amount debited from my savings account ICICI BANK.

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BURUSU VINODKUMAR

New member
Bank Name
ICICI BANK
Customer Care Number
18001080
Loss Amount
76080
Ratings
4.00 star(s)
Opposite Party Address
ICICI Bank Ltd., Mps Towers , No.515 , Cmh Road Indiranagar, 1St Stage, Bangalore Karnataka. - 560038, Bangalore, Karnataka, 560038
Dear Sir/Ma'am,

This is to be informing you that, there was a huge amount deducted from my savings account and the details are given below.
Regarding this amount deduction I visited to three ICICI Branches (Kolar, Indiranagar- Bangalore & Head office Bangalore) and they are saying that amount deducted for cheque bounce, ECS and NACH charges.

Actually, earlier I have taken three personal loans from HDFC, ICICI and Other loan app. At the time of covid (2020-2021) some delay payments had happened and after that all these three loans cleared and got NOC also.

Now bank team saying because of these this much amount was deducted.

My question to bank is
1) At the time of loan close/NOC release why they are not informed about this pending charges?
2) Why there is no pre-intimation about this deduction?

My savings account number: 016901629308
Bank: ICICI - Indiranagar- Bangalore.

Amount deduction details:
07.03.2025 -Rs. 4130
08.04.2025 - Rs. 106.32
06.05.2025 - Rs- 41702
10.05.2025 - Rs-30142.26

Total Amount: Rs. 76080.58

I have given e-mail complaint to ICICI Bank and waiting for their reply.

Kindly help me and as a middle-class common man how I have to surview.

Bank statement attached for your reference.
 
Hello @BURUSU VINODKUMAR

I'm sorry to hear about the unexpected deductions from your ICICI Bank savings account. Based on the information you've provided, it appears that charges totaling ₹76,080.58 were debited without prior intimation, despite having settled previous loans and obtaining No Objection Certificates (NOCs). Let's address your concerns systematically and outline the steps to seek redressal.

📝 Summary of Your Complaint​

  • Complainant: Burusu Vinodkumar
  • Bank: ICICI Bank Ltd.
  • Branch: Indiranagar, Bangalore
  • Account Number: 016901629308
  • Total Amount Debited: ₹76,080.58

Transaction Details​

  • 07.03.2025: ₹4,130
  • 08.04.2025: ₹106.32
  • 06.05.2025: ₹41,702
  • 10.05.2025: ₹30,142.26

Bank's Justification​

The bank cites these deductions as charges related to cheque bounce, ECS, and NACH, linked to previous loans from HDFC, ICICI, and another loan app.

Your Concerns​

  1. Why were these charges not communicated at the time of loan closure or NOC issuance?
  2. Why was there no prior intimation before debiting such significant amounts?

⚖️ Legal Perspective​

Under the Consumer Protection Act, 2019, and guidelines from the Reserve Bank of India (RBI), banks are obligated to:
  • Provide clear communication regarding any charges or deductions.
  • Obtain explicit consent before debiting amounts, especially significant ones.
  • Ensure transparency in their dealings with customers.
The unilateral deduction of funds without prior notice or consent can be construed as a deficiency in service and a violation of banking norms.

✅ Recommended Actions​

  1. Document All Evidence:
    • Retain all receipts, booking confirmations, and any communication with the Banks.
    • Keep the NOC and any other evidence related to the Loan.
  2. Send a Formal Legal Notice:
    • Draft a legal notice detailing the issue, ICICI Bank inadequate response, and your demand for refund of the debited amount of 76,080.58/-.
    • This can be done through a lawyer or by contacting our team that offer legal notice services.
    • Note: Always send notice via Registered Post only.
  3. File a Complaint with the Consumer Forum:

📜 Legal Precedents​


In the case of ICICI Bank Ltd. vs. Shri Raminder Pal Singh Kahlon, the bank was directed to refund ₹1,23,998 along with interest and pay compensation for mental agony and litigation costs due to unauthorized deductions.

For more judgment ICICI Bank:

ICICI Bank Customer Care Complaints | Consumer Court.

ICICI Bank Customer Care | ICICI Bank Complaints in Consumer Court | ICICI Bank Toll Free No. to File Complaint.
www.consumercourt.in www.consumercourt.in

📌 Important Considerations​

  • Documentation: Maintain a comprehensive record of all communications, including emails, letters, and call logs.
  • Timeliness: Act promptly to avoid any statutory limitations that might bar your claim.
  • Legal Assistance: Consider consulting with a legal professional to assist with drafting complaints and representing you in legal proceedings.

Important Tip:
Before taking legal action, it is advisable to first send a legal notice to the Opposite Party.
Click to expand...


Note:
We can assist in:
  • Drafting professional legal notices.
  • Filing consumer complaints for deficiency in service.
Feel free to contact us if you wish to proceed with a legal notice draft or complaint preparation.

Regards,
Support Team
 
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