[Resolved]  ICICI Bank — CAR LOAN ACCOUNT OPENED INSTEAD OF SAVINGS ACCOUNT

Address:

Mumbai City, Maharashtra

Respected Sir,
ICICI Bank opened a CAR LOAN account instead of Savings Bank and they have sanctioned an Overdraft limit of 172000 on the account without my knowledge in the year 2004. I have signed an agreement to open a SAVINGS BANK ACCOUNT. Even after opening the OD account, they haven’t communicated to me about the OD account and neither sent me the DEBIT CARD or the Cheque Book for the account. Till the year 2009, there was no correspondence from the Bank and immediately after that, they have started sending me statements for the said account. I wasn’t even aware that an account exists in my name with the Bank. In the year 2005 they have debited the account with Rs. 1750 as annual charges for the sanctioned limit and since then they being debiting the account on monthly basis with Rs.500 as late fees and Rs. 250 as interest. I've not utilised the said limit and they said account is never operated by me even once.

Because of the above mentioned account, the bank has put up my name in CIBIL. I have a clear report in cibil, but just for the error committed by ICICI bank, I have a poor credit report


I have visited them on several occasions but it doesn’t have any positive outcome and I'm being just harassed by ICICI Bank officials. Even their branch manager is not coordinating and I feel that I’m just wasting my time running behind them. I've even written mails to the bank, but there is no positive response from the bank.

I request if you can please look into the matter and have the problem sorted..

Following are my details.

Name : Ravi Datt Kant

ICICI BANK ACCOUNT NO.[protected]

Pan No. ABTPK4037B

Mobile No. [protected]