ICICI Bank / current account debited by the bank without balance & without authority

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On a sales tax authority instruction, the bank not only debited the 40k available in the account, but debited the account by 252k taking the account to a negative balance of -212k without any intimation or notice to the customer. The current account was a normal one with no OD facility & hence without any authority to debit the account to negative balance.

Since then, the bank has been sending daily SMS to the customer & harassing him to regularize the account.

Can a bank take such action without informing the customer?

Please suggest.

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  • Ic
      9th of Apr, 2012


    Please send us your contact details at [protected] and our official will get back to you soon. Kindly refer '2862202' in the subject line.

    ICICI Bank Customer Service Team

    0 Votes
  • Sh
      4th of Jun, 2014


    Even I have experience the same action by ICICI Bank, where they have penalised 2500 Rs without an intimation. Its not correct to charge this amount.

    Is there any way to know, the legal and the correct procedures.

    Thanks & Regards,
    Shilpa Babu

    0 Votes

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